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CONSOLIDATED FINANCIAL STATEMENTS
PT Bank SMBC Indonesia Tbk and Subsidiaries
31 MARCH 2025, 2024 AND 31 DECEMBER 2024
(In Million Rupiah)
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF PROFIT LOSS AND OTHER COMPREHENSIVE INCOME EARNING ASSETS QUALITY AND OTHER INFORMATION
As of 31 March 2025 and 31 December 2024 For the periods ended on 31 March 2025 and 2024 As of 31 March 2025 and 2024
( In m illion R u p iah ) ( In m illion Ru p iah , u n less earn in g p er sh are) ( In m illion Ru p iah )
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL
No. ACCOUNTS No. ACCOUNTS 31 Mar 2025 31 Mar 2024 31 Mar 2025 31 Mar 2024 31 Mar 2025 31 Mar 2024
31 Mar 2025 31 Dec 2024 31 Mar 2025 31 Dec 2024 No. ACCOUNTS
Unaudited Unaudited Unaudited Unaudited Unaudited Unaudited
Unaudited Audited Unaudited Audited
Special Special
AS S E T O P E RAT ING INCO M E AND E X P E NS E S Current Substandard Doubtful Loss Total Current Substandard Doubtful Loss Total
Mention Mention
1. Cash 849,277 777,352 1,316,228 1,379,647 A. In terest In com e an d E xp en ses I. RE L AT E D P ART IE S
2. Placements with Bank Indonesia 11,648,582 17,961,837 13,111,702 19,631,166 1. Interest Income 3,525,247 3,466,867 6,187,681 4,839,471 1. Placements with other banks 850,061 - - - - 850,061 452,549 - - - - 452,549
3. Placements with other banks 1,086,743 2,973,145 2,307,852 3,542,001 2. Interest Expenses (1,728,958) (1,693,976) (2,116,395) (1,819,891) a. Rupiah - - - - - - - - - - - -
4. Spot and derivative / forward receivables 1,392,589 1,417,452 1,964,170 1,748,125 Net In terest In com e 1,796,289 1,772,891 4,071,286 3,019,580 b. Foreign currencies 850,061 - - - - 850,061 452,549 - - - - 452,549
5. Securities 15,539,373 19,332,166 24,579,831 27,981,308 2. Spot and derivative receivables 334,674 - - - - 334,674 546,999 - - - - 546,999
B. O th er O p eratin g In com e an d E xp en ses
6. Securities sold under repurchase agreements (repo) 5,000 - 5,000 - a. Rupiah - - - - - - - - - - - -
1. Gain (Loss) from increase (decrease) in fair value of financial 12,597 37,740 12,597 37,740
7. Claims from securities purchased under resale assets b. Foreign currencies 334,674 - - - - 334,674 546,999 - - - - 546,999
190,666 468,188 190,666 468,188
agreements (reverse repo) 2. Gain (Loss) from increase (decrease) in fair value of financial - - - - 3. Securities - - - - - - - - - - - -
8. Acceptance receivables 3,783,991 3,334,619 3,783,991 3,334,619 liabilities a. Rupiah - - - - - - - - - - - -
9. Loans 154,665,264 145,938,051 177,839,234 169,232,858 3. Gain (Loss) from sale of financial assets 18,469 7,751 18,469 7,751 b. Foreign currencies - - - - - - - - - - - -
10. Sharia financing/receivables - - 10,250,681 10,171,759 4. Gain (Loss) from spot and derivative / forward transactions 86,908 (73,559) 86,908 (73,559) 4. Securities sold under repurchase - - - - - - - - - - - -
11. Equity Investments 7,859,227 7,859,227 74,095 75,285 (realised) agreements (Repo)
12. Other financial asset 1,083,302 1,046,024 1,234,958 1,218,012 5. Gain (Loss) from investment under equity method - - - - a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
13. Impairment on financial assets -/- (2,816,149) (3,016,696) (5,759,715) (5,911,900) 6. Gain (Loss) from foreign exchange translation (16,450) 139,608 (31,736) 142,003
5. Claims on securities purchased - - - - - - - - - - - -
a. Securities (153) (593) (153) (593) 7. Dividend revenue - 378,290 - -
under resale agreements (Reverse
b. Loans and Sharia financing (2,813,725) (2,998,406) (5,757,291) (5,893,610) 8. Commissions/provisions/fees and administration 231,963 246,990 332,442 247,341 Repo)
a. Rupiah - - - - - - - - - - - -
c. Others (2,271) (17,697) (2,271) (17,697)
9. Other income 65,222 74,572 240,180 92,849 b. Foreign currencies - - - - - - - - - - - -
14. Intangible assets 3,267,094 3,204,551 6,307,267 6,195,729
10. Impairment losses on financial assets (523,960) (246,367) (1,272,358) (630,660) 6. Acceptance receivables - - - - - - - - - - - -
Accumulated amortization of intangible assets -/- (2,506,284) (2,445,641) (3,505,109) (3,386,613)
7. Loans
15. Fixed assets and equipment 3,901,399 3,893,607 6,050,057 6,058,147 11. Losses related to operational risks (503) (925) (1,744) (3,118)
a. Micro, Small and Medium - - - - - - - - - - - -
Accumulated depreciation on fixed assets and 12. Personnel expenses (693,519) (636,193) (1,399,392) (998,233) Enterprises (UMKM)
(2,328,214) (2,300,746) (3,826,282) (3,773,725)
equipment -/- 13. Promotion expenses (28,732) (47,218) (44,309) (49,683) i. Rupiah - - - - - - - - - - - -
16. Non-productive assets 67,208 54,523 176,616 161,400 14. Other expenses (683,192) (818,961) (1,114,469) (1,001,046) ii. Foreign currencies - - - - - - - - - - - -
a. Abandoned properties - - - - b. Non-Micro, Small and Medium 6,783,372 - - - - 6,783,372 4,354,343 2 - - - 4,354,345
b. Foreclosed assets 67,206 54,523 176,614 161,400 Net O th er O p eratin g ( E xp en ses) In com e ( 1,531,197) ( 938,272) ( 3,173,412) ( 2,228,615) Enterprises
i. Rupiah (Non-UMKM) 1,104,098 - - - - 1,104,098 82,885 2 - - - 82,887
c. Suspense accounts 2 - 2 - NE T O P E RAT ING INCO M E ( E X P E NS E S ) 265,092 834,619 897,874 790,965 ii. Foreign currencies 5,679,274 - - - - 5,679,274 4,271,458 - - - - 4,271,458
d. Interbranch assets - - - - c. Restructured loans - - - - - - - - - - - -
17. Other assets 2,871,193 2,045,782 4,015,624 2,970,421 NO N- O P E RAT ING INCO M E AND E X P E NS E S
i. Rupiah - - - - - - - - - - - -
T O T AL AS S E T 200,560,261 202,543,441 240,116,866 241,096,427 1. Gain (Loss) from sale of fixed assets and equipments 130 15 447 1,644 ii. Foreign currencies - - - - - - - - - - - -
L IA B IL IT IE S A N D E Q U IT Y 2. Other non-operating income (expenses) 1,038 4,042 (86,220) 4,243 8. Equity Investment 7,859,205 - - - - 7,859,205 7,859,205 - - - - 7,859,205
L IA B IL IT IE S 9. Other receivables - - - - - - 5,030 - - - - 5,030
NE T NO N O P E RAT ING INCO M E ( E X P E NS E S ) 1,168 4,057 ( 85,773) 5,887
10. Commitment and contingencies 9,711,699 - - - - 9,711,699 8,131,651 117 - - - 8,131,768
1. Demand deposits 19,528,354 25,586,525 19,527,521 25,585,492 P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D BE F O RE
266,260 838,676 812,101 796,852 a. Rupiah 88,437 - - - - 88,437 103,817 117 - - - 103,934
2. Saving deposits 19,478,274 16,909,498 22,408,729 20,004,408 T AX
Income T ax: (58,709) (101,365) (178,322) (173,805) b. Foreign currencies 9,623,262 - - - - 9,623,262 8,027,834 - - - - 8,027,834
3. T ime deposits 67,165,864 67,926,531 75,441,418 75,727,911
a. Estimated current period tax (19,286) (8,273) (107,595) (51,326) II. NO N- RE L AT E D P ART IE S
4. Electronic money - - - -
b. Deferred tax income (expenses) (39,423) (93,092) (70,727) (122,479) 1. Placements with other banks 236,682 - - - - 236,682 1,170,365 - - - - 1,170,365
5. Liabilities to Bank Indonesia - - - -
a. Rupiah 21,639 - - - - 21,639 995,529 - - - - 995,529
6. Liabilities to other banks 9,484,751 760,624 9,477,103 757,714 NE T P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 207,551 737,311 633,779 623,047
b. Foreign currencies 215,043 - - - - 215,043 174,836 - - - - 174,836
7. Spot and derivative / forward liabilities 1,279,950 1,320,897 1,188,841 1,558,841
M INO RIT Y INT E RE S T P RO F IT ( L O S S ) 124,197 79,196 2. Spot and derivative receivables 1,057,814 101 - - - 1,057,915 936,347 254 - - - 936,601
8. Securities sold under repurchase agreements (repo) 4,991 - 4,991 -
a. Rupiah 1,042,528 98 - - - 1,042,626 921,582 216 - - - 921,798
9. Acceptance liabilities 3,176,825 3,162,381 3,176,825 3,162,381 O T HE R CO M P RE HE NS IV E INCO M E
b. Foreign currencies 15,286 3 - - - 15,289 14,765 38 - - - 14,803
10. Securities issued 1,743,370 1,742,884 3,738,976 2,939,924
1. Item s th at are n ot b ein g reclassif ied to P rof it L oss - - - - 3. Securities 15,539,373 - - - - 15,539,373 10,195,849 - - - - 10,195,849
11. Borrowings 33,746,103 40,516,139 45,586,946 52,632,885
a. Gain from fixed assets revaluation - - - - a. Rupiah 14,548,444 - - - - 14,548,444 9,258,482 - - - - 9,258,482
12. Margin deposits - - - -
b. Gain (Loss) from remeasurement benefecial pension program - - - - b. Foreign currencies 990,929 - - - - 990,929 937,367 - - - - 937,367
13. Interbranch liabilities - - - -
4. Securities sold under repurchase 5,000 - - - - 5,000 - - - - - -
14. Other liabilities 2,509,938 2,403,078 4,219,433 3,980,832 c. Others - - - -
agreements (Repo)
15. Minority Interest 7,088,094 6,978,665 2. Item s th at are b ein g reclassif ied to P rof it L oss 19,406 22,209 ( 34,399) 21,843 a. Rupiah 5,000 - - - - 5,000 - - - - - -
T O T A L L IA B IL IT Y 158,118,420 160,328,557 191,858,877 193,329,053 a. Gain (Loss) from adjustment in foreign exchange translation - - - - b. Foreign currencies - - - - - - - - - - - -
E Q U IT Y b. Gain (Loss) from changes in the fair value of financial asset on 19,406 22,209 19,315 21,843 5. Claims on securities purchased 190,666 - - - - 190,666 - - - - - -
16. Issued and fully paid-in capital 212,919 212,919 212,919 212,919 liability instrument which measured by fair value from other under resale agreements (Reverse
comprehensive income Repo)
a. Rupiah 190,666 - - - - 190,666 - - - - - -
a. Authorized capital 300,000 300,000 300,000 300,000
c. Others - - (53,714) - b. Foreign currencies - - - - - - - - - - - -
b. Unpaid capital -/- (87,081) (87,081) (87,081) (87,081)
6. Acceptance receivables 3,783,991 - - - - 3,783,991 3,701,078 - - - - 3,701,078
c. T reasury stock -/- - - - - O T HE R CO M P RE HE NS IV E INCO M E F O R T HE
19,406 22,209 ( 34,399) 21,843 7. Loans
17. Additional paid-in capital 17,826,728 17,826,728 17,798,805 17,798,165 CURRE NT P E RIO D - AF T E R O F T AX
a. Micro, Small and Medium 9,519,686 528,335 52,637 71,335 528,019 10,700,012 7,431,261 291,010 21,837 30,433 343,385 8,117,926
a. Agio 17,565,927 17,565,927 17,562,271 17,561,631
T O T AL CURRE NT CO M P RE HE NS IV E P RO F IT Enterprises (UMKM)
b. Disagio -/- - - - - 226,957 759,520 599,380 644,890
i. Rupiah 9,519,686 528,335 52,637 71,335 528,019 10,700,012 7,431,261 291,010 21,837 30,433 343,385 8,117,926
(LOS S )
c. Fund for paid up capital - - - - ii. Foreign currencies - - - - - - - - - - - -
d. Others 260,801 260,801 236,534 236,534 Net in com e of th e cu rren t p eriod attrib u tab le to: b. Non-Micro, Small and Medium 129,183,076 6,614,823 232,015 208,806 943,160 137,181,880 131,437,803 6,430,554 149,584 107,669 1,101,086 139,226,696
18. Other comprehensive income 883,131 863,725 1,039,603 1,059,210 - Owners of T he Parent 207,551 737,311 509,582 543,851 Enterprises
i. Rupiah (Non-UMKM) 87,238,358 5,394,631 140,935 208,806 943,160 93,925,890 85,372,571 5,334,245 62,382 107,669 1,101,086 91,977,953
a. Profit 963,194 943,788 1,121,506 1,139,273 ii. Foreign currencies 41,944,718 1,220,192 91,080 - - 43,255,990 46,065,232 1,096,309 87,202 - - 47,248,743
- Non Controlling Interest 124,197 79,196
b. Loss -/- (80,063) (80,063) (81,903) (80,063) c. Restructured loans 645,173 3,928,807 25,219 9,723 717,962 5,326,884 822,571 3,831,452 293 2,713 1,078,177 5,735,206
19. Reserves 42,953 42,953 42,953 42,953 NET PROFIT (LOSS) FOR T HE CURRENT PERIOD 207,551 737,311 633,779 623,047
i. Rupiah 645,173 3,928,807 25,219 9,723 717,962 5,326,884 822,571 3,831,452 293 2,713 1,078,177 5,735,206
a. General reserves 42,953 42,953 42,953 42,953 T otal cu rren t com p reh en sive P rof it ( L oss) attrib u tab le
ii. Foreign currencies - - - - - - - - - - - -
to :
b. Appropriate reserves - - - - 8. Equity Investment 22 - - - - 22 22 - - - - 22
- Owners of T he Parent 226,957 759,520 489,975 565,804
20. Profit/loss 23,476,110 23,268,559 29,163,709 28,654,127 9. Other receivables 260,943 - - - - 260,943 - - - - - -
- Non Controlling Interest 109,405 79,086
a. Previous years 23,268,559 21,509,956 28,654,127 26,312,808 10. Commitment and contingencies 134,030,852 1,814,668 - - - 135,845,520 116,806,017 1,102,866 - - - 117,908,883
b. Current year 207,551 2,230,270 509,582 2,812,986 T OT AL CURRENT COMPREHENSIVE PROFIT (LOSS) 226,957 759,520 599,380 644,890 a. Rupiah 64,491,098 1,012,249 - - - 65,503,347 57,450,876 659,840 - - - 58,110,716
c. Payable dividend -/- - (471,667) - (471,667) b. Foreign currencies 69,539,754 802,419 - - - 70,342,173 59,355,141 443,026 - - - 59,798,167
P RO F IT ( L O S S ) T RANS F E RRE D T O HE AD O F F ICE - - - -
III. O T HE R INF O RM AT IO N
T O T A L E Q U IT Y A T T R IB U T A B L E T O T H E DIV IDE N D - 471,667 - 471,667
42,441,841 42,214,884 48,257,989 47,767,374 1. Value of Bank's assets pledged as
O W NE RS O F P ARE NT S E ARNING P E R S HARE ( F u ll am ou n t) collateral:
a. T o Bank Indonesia - -
T O T A L E Q U IT Y 42,441,841 42,214,884 48,257,989 47,767,374 - Basic 19 88 48 65
b. T o other parties - -
T O T A L L IA B IL IT Y A N D E Q U IT Y 200,560,261 202,543,441 240,116,866 241,096,427 - Diluted 19 88 48 65 2. Foreclosed assets 67,206 54,190
ALLOWANCE FOR IMPAIRMENT LOSSES CAPITAL ADEQUACY RATIO
As of 31 March 2025 and 2024
As of 31 March 2025 and 2024 ( I n m i l l i on R u p i ah )
( I n m i l l i on R u p i a h ) 31 Mar 2025 31 Mar 2024
INDIVIDUAL ACCOUNTS Unaudited Unaudited
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
31 March 2025 31 March 2024
I. C ore C ap i tal ( T i er 1) 32, 690, 786 44, 750, 201 31, 170, 201 41, 451, 022
Unaudited Unaudited 1. C om m on E q u i ty T i er 1 ( C E T 1) 32, 690, 786 44, 750, 201 31, 170, 201 41, 451, 022
No. ACCOUNTS
1. 1 P ai d i n cap i tal ( l ess T reasu ry stock) 212, 919 212, 919 212, 919 212, 919
Allowance for Impairment Required Provision Allowance for Impairment Required Provision 1. 2 D i scl osed reserves 41, 159, 521 47, 736, 341 39, 946, 905 45, 087, 259
1.2.1 Additional Factor 42,048,184 47,741,436 40,344,010 45,088,952
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1.2.1.1 Other comprehensive income 963,194 972,503 956,390 959,903
1. Placemen ts with oth er b an ks 47 - - 10,867 - 412 - - 16,229 - 1.2.1.1.1 Excess dif f erences arising f rom translation of f inancial statement - - - -
2. Sp ot an d d erivative receivab les - - - 13,650 5 - - - 14,833 13 1.2.1.1.2 Potential gain of the increase in the f air value of f inancial assets available f or sale 31,817 31,988 25,014 24,858
1.2.1.1.3 Fixed asset revaluation 931,377 940,515 931,376 935,045
3. Secu rities 153 - - 12,614 - 542 87 - 10,748 - 1.2.1.2 Other disclosed reserves 41,084,990 46,768,933 39,387,620 44,129,049
4. Secu rities sold u n d er rep u rch ase ag reemen ts - - - - - - - - - - 1.2.1.2.1 Agio 17,565,927 17,562,271 17,569,067 17,564,771
(Rep o) 1.2.1.2.2 General reserves 42,953 42,953 42,953 42,953
5. Claims on secu rities p u rch ased u n d er resale - - - 1,907 - - - - - - 1.2.1.2.3 Previous years prof it 23,268,559 28,654,127 21,038,289 25,977,475
ag reemen ts (Reverse Rep o) 1.2.1.2.4 Current year prof it 207,551 509,582 737,311 543,850
1.2.1.2.5 Capital paid in advance - - - -
6. Accep tan ce receivab les 676 1,530 - 24,121 - 2,337 22,642 - 23,702 -
1.2.1.2.6 Others - - - -
7. L oan s an d f in an cin g 679,212 283,502 1,851,011 1,449,652 1,998,530 664,363 204,732 2,191,867 1,428,667 1,866,352 1.2.2 Deduction Factor (888,663) (5,095) (397,105) (1,693)
8. Eq u ity In vestmen ts - - - 78,592 - - - - 78,592 - 1.2.2.1 Other comprehensive income - - - -
1.2.2.1.1 Excess dif f erences less f rom translation of f inancial statement - - - -
9. Oth er receivab les 18 - - 2,609 - 11 - - 528 -
1.2.2.1.2 Potential losses f rom the decrease in the f air value of f inancial assets available f or sale - - - -
10. Commitmen t an d con tin g en cies 26,339 12,111 - 54,979 90,641 35,853 28,293 - 51,940 54,947 1.2.2.2 Other disclosed reserve (888,663) (5,095) (397,105) (1,693)
1.2.2.2.1 Disagio - - - -
FINANCIAL RATIOS STATEMENTS OF CONSOLIDATED CASH FLOWS 1.2.2.2.2 Previous years loss
1.2.2.2.3 Current year loss
-
-
-
-
-
-
-
-
As of 31 March 2025 dan 2024
For the periods ended on 31 March 2025 and 2024 1.2.2.2.4 Dif f erences between required provision and allowance f or impairment losses of earning assets (883,568) - (395,412) -
31 Mar 2025 31 Mar 2024
RATIOS (%)
Unaudited Unaudited
( In m illion Ru p iah ) 1.2.2.2.5 Negative dif f erences on adjustment of f air value on f inancial instrument in the T rading Book - - - -
1.2.2.2.6 Required provision on non-productive assets (5,095) (5,095) (1,693) (1,693)
P e rf orm a n c e R a ti os 31 Mar 2025 31 Mar 2024 1.2.2.2.7 Others - - - -
1. Cap ital Ad eq u acy Ratio (CAR) 26.50% 26.25% ACCOUNTS
Unaudited Unaudited 1. 3 N on - C on trol l i n g I n terests th at can b e cal cu l ated - - - -
2. Non -p erf ormin g earn in g assets an d n on -earn in g assets to total 0.62% 0.57% 1. 4 D ed u cti on f actor to com m on eq u i ty ti er 1 ( C E T 1) - - - -
earn in g assets an d n on -earn in g assets CAS H F L O W S F RO M O P E RAT ING ACT IV IT IE S 1.4.1 Def erred tax calculation ( 8, 681, 654) ( 3, 199, 059) ( 8, 989, 623) ( 3, 849, 156)
3. Non -p erf ormin g earn in g assets to total earn in g assets 0.61% 0.57% Receipt from interest 4,837,507 3,633,936 1.4.2 Goodwill (84,139) (345,329) (342,204) (707,027)
4. Allowan ce f or imp airmen t losses on f in an cial assets to earn in g 1.49% 1.69% 1.4.3 Other intangible assets - (1,098,208) - (1,217,527)
assets Receipt from sharia income 1,317,219 1,421,820
1.4.4 Investment that can be calculated as deduction f actor (760,810) (1,703,949) (810,714) (1,842,156)
5. NPL g ross 1.33% 1.17% Payments of interest expense (664,483) (988,040) 1.4.5 Shortage of capital on insurance subsidiary company (7,836,705) (51,573) (7,836,705) (82,446)
6. NPL n et 0.53% 0.39% 1.4.6 Securitization exposures - - - -
7. Retu rn on Asset (ROA) 0.53% 1.78%
Payments of sharia expenses (120,895) (127,497)
1.4.7 Other deduction f actor to common equity tier 1 - - - -
8. Retu rn on Eq u ity (ROE) 2.54% 9.49% Receipt from other operating income 692,626 481,855 1.4.7.1 Placement of f unds in instruments AT 1 and / or T ier 2 other banks - - - -
9. Net In terest Marg in (NIM) 3.93% 4.11% Recovery from written-off loans 63,019 46,426 1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
10. Op eratin g Exp en ses to Op eratin g Reven u es 93.27% 80.82% 1.4.7.3 Exposure that causing Credit Risk due to settlement risk - Non Delivery Versus Payment - - - -
Payments of personnel expenses (1,647,942) (1,340,708)
11. Cost to In come Ratio (CIR) 64.32% 59.33% 1.4.7.4 Exposure in child company which held sharia principle - - - -
12. L oan to Dep osit Ratio (L DR) 144.70% 137.25% Payments of other operating expenses (1,853,393) (209,086) 2 A d d i ti on al T i er 1 ( A T 1) - - - -
2. 1 T h e i n stru m en t m eets th e req u i rem en ts of A T 1 - - - -
C om p l i a n c e R a ti os Other receipts (payments) 516 (19,859)
2. 2 A g i o / D i sag i o - - - -
1. a. Percen tag e Violation of L eg al L en d in g L imit
Payments of corporate income tax (183,243) (76,147) 2. 3 D ed u cti on F actors : I n vestm en t i n A T 1 an d /or T i er 2 i n stru m en ts wi th oth er B an k - - - -
i. Related p arties 0.00% 0.00%
ii. Non -related p arties 0.00% 0.00% Cash f lows b ef ore ch an g es in op eratin g assets, op eratin g 2.3.1 Placement of f unds in instruments AT 1 and/or T ier 2 other banks - - - -
2,440,931 2,822,700 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
b . Percen tag e L en d in g in Excess of th e L eg al L en d in g L imit liab ilities an d tem p orary syirkah f u n d s
II. S u p p l em en tary C ap i tal ( T i er 2) 4, 918, 941 5, 175, 887 4, 440, 771 4, 751, 821
i. Related p arties 0.00% 0.00% Ch an g es in op eratin g assets, op eratin g liab ilities, an d 1 Capital instrument in f orm of shares or others which are qualif ied T ier 2 requirements 3,312,000 3,312,000 2,906,750 2,906,750
ii. Non -related p arties 0.00% 0.00%
tem p orary syirkah f u n d s: 1.1 Pref erred Stock (perpetual cumulative, non perpetual), af ter buy back deduction - - - -
2. Statu tory Reserves Req u iremen ts 1.2 Subordinated bonds (perpetual cumulative, non perpetual), af ter buy back deduction - - - -
a. Ru p iah 5.36% 7.77% ( In crease) d ecrease in op eratin g assets:
1.3 Subordinated loan (perpetual cumulative, non perpetual), af ter buy back deduction 3,312,000 3,312,000 3,171,000 3,171,000
- Daily 0.00% 0.00% Derivative receivables (277,970) (274,716) 1.4 Mandatory convertible bond - - - -
- Averag e 5.36% 7.77%
1.5 T ier 2 published by bank and non bank which acquired by other party (consolidated) - - - -
b . Foreig n Cu rren cies 4.02% 4.02% Acceptance receivables (449,372) (411,321)
1.6 Amortization based on remaining maturity - - 264,250 264,250
3. Net Op en Posisition 0.62% 0.44% Loans (9,141,341) (3,283,900) 2 Agio/Disagio - - - -
Sharia financing/receivables (326,998) 3,315 3 General required provision of earning assets (maximum 1.25% of RW A) 1,606,941 1,863,887 1,534,021 1,845,071
SPOT AND DERIVATIVE / FORWARD TRANSACTIONS 4 Deduction f actor to supplementary capital - - - -
Financing receivables (564,405) -
As of 31 March 2025 4.1 Sinking Fund - - - -
( In m illion R u p iah ) In crease ( d ecrease) in op eratin g liab ilities: 4.2 Placement of f unds in instruments AT 1 and / or T ier 2 other banks - - - -
4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
INDIVIDUAL Obligations due immediately 12,429 45,203
T O T AL CAP IT AL 37, 609, 727 49, 926, 088 35, 610, 972 46, 202, 843
Derivative Receivables Deposits from customers (3,893,225) 12,409,756 31 Mar 2025 31 Mar 2024 31 Mar 2025 31 Mar 2024
No. TRANSACTION Notional Objective
and Payables Deposits from other banks 8,719,389 (9,580,669) Unaudited Unaudited DESCRIPTION Unaudited Unaudited
Amount INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
Trading Hedging Receivables Payables Derivative payables (370,000) 234,394
RIS K W E IG HT E D AS S E T ( RW A) CAR RAT IO
A.
R elated to
32,735,229 3,253,463 29,481,766 209,292 177,930
Acceptance payables 14,444 754,803 RW A CRE DIT RIS K 128, 513, 219 159, 239, 019 122, 630, 441 152, 663, 974 C E T 1 R ati o ( % ) 23. 03% 25. 80% 22. 98% 24. 98%
E xch an g e R ate RW A M ARKE T RIS K 2, 949, 816 2, 949, 816 2, 538, 098 2, 538, 098 T i er 1 R ati o ( % ) 23. 03% 25. 80% 22. 98% 24. 98%
Decrease in tem p orary syirkah f u n d s (46,918) (337,099)
1 Spot 3,385,170 3,253,463 131,707 2,415 3,237 RW A O P E RAT IO NAL RIS K 10, 494, 328 11, 254, 251 10, 491, 515 10, 729, 480 T i er 2 R ati o( % ) 3. 47% 2. 98% 3. 27% 2. 86%
2 Forward 7,107,617 - 7,107,617 33,053 49,230 Net cash f lows ( u sed in ) p rovid ed f rom op eratin g activities ( 3,883,036) 2,382,466 T O T AL RW A 141, 957, 363 173, 443, 086 135, 660, 054 165, 931, 552 C A R R ati o ( % ) 26.50% 28. 78% 26. 25% 27. 84%
CAR RAT IO BAS E D O N RIS K P RO F IL E ( %) 9. 20% 9. 18% 9. 21% 9. 19% C E T 1 f or B U F F E R (%) 17. 03% 19. 60% 16. 98% 18. 65%
3 Option - - - - - CAS H F L O W S F RO M INV E S T ING ACT IV IT IE S CAR AL L O CAT IO N BAS E D O N RIS K P RO F IL E BUF F E R P E RCE NT AG E S HO UL D BE F UL F IL L E D BY BANK ( %)
a. Put - - - - -
Purchase of securities (5,015,456) (8,813,116) F rom C E T 1 ( % ) 6. 00% 6. 20% 6. 00% 6. 33% C ap i tal C on servati on B u f f er ( % ) 2. 50% 2. 50% 2. 50% 2. 50%
b. Call - - - - - F rom A T 1 ( % ) 0. 00% 0. 00% 0. 00% 0. 00% C ou n tercycl i cal B u f f er ( % ) 0. 00% 0. 00% 0. 00% 0. 00%
4 Future - - - - - Proceeds from sale of securities 8,550,551 5,139,868
F rom T i er 2 (%) 3. 20% 2. 98% 3. 21% 2. 86% C ap i tal S u rch arg e F or S ystem i c 1. 00% 1. 00% 1. 00% 1. 00%
5 Swap 22,242,442 - 22,242,442 173,824 125,463 Purchases of fixed assets (47,234) (33,623) B an k ( % )
6 Others - - - - - Acquisition of right-of-use asset - (3,063)
R elated to Acquisition of intangible assets (112,971) (75,855)
B.
1
In terest R ate
Forward
11,168,904
-
-
-
11,168,904
-
346,946
-
324,335
-
Proceeds from sale of fixed assets 600 29,314 MANAGEMENT SHAREHOLDERS
2 Option - - - - - Acquisition of subsidiaries, net of cash acquired - (5,519,887)
As of 31 March 2025 As of 3 1 Ma rc h 2 0 2 5
a. Put - - - - - Net cash f lows p rovid ed f rom ( u sed in ) in vestin g activities 3,375,490 ( 9,276,362)
b. Call - - - - -
CAS H F L O W S F RO M F INANCING ACT IV IT IE S
3 Future - - - - -
Ultima te Sha re holde r:
4
5
Swap
Others
2,756,551
8,412,353
-
-
2,756,551
8,412,353
14,489
332,457
2,696
321,639
Settlement of securities issued
Proceeds from securities issued
-
800,000
-
-
BOARD OF COMMISSIONERS
C. O th ers 27,521,338 - 27,521,338 836,351 777,685 Securities issued emission fee (1,744) - Ultimate Shareholder : Sumitomo Mitsui Financial Group
T O T AL 71,425,471 3,253,463 68,172,008 1,392,589 1,279,950
Proceeds from borrowings
Installment payments and settlement of borrowings
2,854,535
(11,389,960)
2,628,567
(170,787)
- President Commissioner : Chow Ying Hoong through Sumitomo Mitsui Banking Corporation : 91.05%
STATEMENTS OF COMMITMENT AND CONTIGENCIES Proceed from Right Issues
Rights Issues emission fee
-
-
6,705,984
-
- Commissioner : Takeshi Kimoto
As of 31 March 2025 and 2024 Non- c ontrolling sha re holde r through c a pita l ma rke t ( ≥ 5 %) :
( In million Rupiah)
INDIVIDUAL CONSOLIDATED
Sales of treasury shares to public
Payments of dividend
664
-
1,218
- - Independent Commissioner : Ninik Herlani Masli Ridhwan None
Payment of lease liabilities principals (21,716) (26,971)
No. ACCOUNTS 31 Mar 2025 31 Dec 2024 31 Mar 2025 31 Dec 2024
Net cash f lows ( u sed in ) p rovid ed f rom f in an cin g activities ( 7,758,221) 9,138,011
- Independent Commissioner : Onny Widjanarko Non- c ontrolling sha re holde r not through c a pita l ma rke t ( ≥ 5 %) :
Unaudited Audited Unaudited Audited
I. CO M M IT M E NT RE CE IV ABLE S 85,127,291 82,050,321 126,452,586 120,035,122 NE T ( DE CRE AS E ) INCRE AS E IN CAS H AND CAS H
( 8,265,767) 2,244,115 - Independent Commissioner : Edmund Tondobala
1. Unused borrowing facilities 42,310,800 35,891,850 69,119,864 57,059,508 E Q UIV AL E NT S None
2. Outstanding spot and derivative /
forward purchased
42,816,491 46,158,471 57,332,722 62,975,614 E F F E CT O F E X CHANG E RAT E CHANG E S O N CAS H AND
19,217 24,581
- Commissioner : Ongki Wanadjati Dana
CAS H E Q UIV AL E NT S
3. Others
II. CO M M IT M E NT LIABILIT IE S 178,646,303
-
186,173,009
-
178,763,148
-
186,343,038
-
CAS H AND CAS H E Q UIV AL E NT S AT T HE BE G INNING O F
26,168,004 23,472,990
- Independent Commissioner : Marita Alisjahbana
Y E AR
1. Unused loans facilities 136,339,555 137,760,499 136,456,400 137,930,528
CAS H AND CAS H E Q UIV AL E NT S AT T HE E ND O F
a. Committed 13,085,955 11,762,750 13,085,955 11,762,750 17,921,454 25,741,686
b. Uncommitted 123,253,600 125,997,749 123,370,445 126,167,778
P E RIO D Jakarta, 25 April 2025
2. Outstanding irrevocable L/C
3. Outstanding spot and derivative /
1,286,087
41,020,661
1,582,162
46,830,348
1,286,087
41,020,661
1,582,162
46,830,348
Cash an d cash eq u ivalen ts con sist of :
Cash 1,316,228 1,596,005
BOARD OF DIRECTORS PT Bank SMBC Indonesia Tbk
forward sold Current accounts with Bank Indonesia 8,071,377 9,517,195
4. Others - - - - Current accounts with other banks 1,532,851 1,200,557 - President Director : Henoch Munandar
III. CO NT ING E NT RE CE IV ABLE S 34,175,432 31,051,406 34,224,461 31,106,150 Placement with Bank Indonesia and other banks 5,815,326 11,861,725
1. Guarantees received 34,175,432 31,051,406 34,175,432 31,051,406 Securities 1,185,672 1,566,204 - Deputy President Director : Kaoru Furuya
2. Others - - 49,029 54,744 17,921,454 25,741,686
IV . CO NT ING E NT LIABILIT IE S 7,931,577 7,715,450 7,931,577 7,715,450 S UP P L E M E NT AL CAS H F L O W INF O RM AT IO N: - Deputy President Director : Darmadi Sutanto
1. Guarantees issued 7,931,577 7,715,450 7,931,577 7,715,450 ACT IV IT IE S NO T AF F E CT ING CAS H F L O W
2. Others - - - - Purchases of fixed assets which are still payable (31) (1,506) - Compliance Director : Dini Herdini
Catatan :
- Director : Atsushi Hino
1 The above consolidated financial information are prepared based on the Consolidated Financial Statements of PT Bank SMBC Indonesia Tbk and Subsidiaries at the date and for the three
months period ended on 31 March 2025 and 2024 which were unaudited and for the year ended 31 December 2024 which were audited. - Director : Keishi Kobata
2 The consolidated financial information above is presented in order to meet:
a) Financial Services Authority Regulation No. 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Financial Statements for Banks; - Director : Merisa Darwis
b) Circular Letter of Financial Services Authority No. 9/SEOJK.03/2020 dated 30 June 2020 regarding Transparency and Publication of Financial Statements for Conventional Commercial Banks;
c) FSA Regulation No. 14/POJK.04/2022 dated 18 August 2022 regarding Submission of Periodic Reports Issuer or Public Company; - Director : Hanna Tantani Henoch Munandar Hanna Tantani
d) FSA Regulation No. 75 /POJK.04/2017 dated 21 December 2017 regarding the Responsibility of the Board of Directors of the Financial Statements.
President Director Director
3 Main foreign exchange rates: 31 March 2025: 1 USD = Rp 16,560.00; 31 March 2024: 1 USD = Rp 15,855.00; 31 December 2024: 1 USD = Rp 16,095.00.
4 Effective as of 2 October 2024 the name of PT BANK BTPN Tbk has changed to PT Bank SMBC Indonesia Tbk.
PT Bank SMBC Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK), Bank Indonesia (BI) and member of Deposit Insurance Corporation (LPS) www.smbci.com
Names mentioned 22 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×6
unresolved
org
Sumitomo Mitsui Banking Corporation
p.1
unresolved
org
Financial Services Authority
p.1 ×3
unresolved
org
Deposit Insurance Corporation
p.1
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