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Lampiran 4. Bukti Publikasi Website (25 April 2025)
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LAPORAN KEUANGAN
PT Bank BTPN Syariah Tbk.
31 Maret 2025
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 31 Maret 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah) Untuk periode-periode yang berakhir pada tanggal 31 Maret 2025 dan 2024 Tanggal 31 Maret 2025 dan 2024 (Dalam Jutaan Rupiah)
(Dalam jutaan Rupiah, kecuali laba bersih per saham)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 31 Maret 2025 31 Maret 2024
No KOMPONEN MODAL
No POS-POS 31 Maret 2025 31 Des 2024 31 Maret 2025 31 Des 2024 No POS-POS 31 Maret 2025 31 Maret 2024 31 Maret 2025 31 Maret 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 458.030 592.911 458.030 592.911 A. Pendapatan dan Beban Operasional dari Penyaluran Dana
1.1 Modal Disetor (setelah dikurangi saham treasury) 770.370 770.370 770.345 770.345
1 Pendapatan dari Penyaluran Dana 1.294.054 1.369.660 1.296.888 1.372.604 1.2 Cadangan Tambahan Modal
2 Penempatan pada Bank Indonesia 1.463.121 1.669.329 1.463.121 1.669.329
3 Penempatan pada bank lain 7.808 2.195 259.918 251.956 a. Pendapatan dari piutang
1.2.1 Faktor Penambah
4 Tagihan spot dan forward - - - - i. Murabahah 1.136.776 1.238.641 1.136.776 1.238.641
1.2.1.1 Penghasilan Komprehensif Lain
5 Surat berharga dimiliki 9.040.458 8.849.141 9.094.745 8.901.904 ii. Istishna' - - - - 1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
iii. Multijasa - - - - 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui 245 245 - -
6 Tagihan atas surat berharga yang dibeli dengan janji - - - -
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 1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
b. Pendapatan dari bagi hasil
a. Piutang murabahah 9.667.381 9.641.128 9.667.381 9.641.128 1.2.1.2.1 Agio saham biasa 880.995 880.995 880.356 880.356
i. Mudharabah - - - -
b. Piutang istishna’ - - - - 1.2.1.2.2 Cadangan umum 145.000 145.000 145.000 145.000
ii. Musyarakah 7.994 408 7.994 408
1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 7.432.819 7.441.114 6.360.097 6.379.838
c. Piutang multijasa - - - - iii. Lainnya - - - -
1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 309.797 310.790 260.133 263.987
d. Piutang qardh 48 64 48 64 c. Pendapatan sewa - - - -
1.2.1.2.5 Dana setoran modal - - - -
e. Piutang sewa - - - - d. Lainnya 149.284 130.611 152.118 133.555
1.2.1.2.6 Modal sumbangan - - - -
9 Pembiayaan bagi hasil 2 Bagi Hasil untuk Pemilik Dana Investasi -/- (122.564) (125.737) (122.562) (125.734)
1.2.1.2.7 Waran yang diterbitkan - - - -
a. Mudharabah - - - - a. Non profit sharing (122.564) (125.737) (122.562) (125.734)
1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
b. Musyarakah 583.252 530.567 583.252 530.567 b. Profit sharing - - - -
1.2.2 Faktor Pengurang
c. Lainnya - - - - 3 Pendapatan Setelah Distribusi Bagi Hasil 1.171.490 1.243.923 1.174.326 1.246.870
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 - - (223) (223)
aset keuangan
12 Aset keuangan lainnya 231.503 249.534 231.503 249.534 penghasilan komprehensif lain
Keuntungan/kerugian dari penurunan/peningkatan nilai wajar - - - -
13 Cadangan kerugian penurunan nilai aset keuangan -/- (893.839) (924.274) (896.554) (924.274) 2 1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
liabilitas keuangan
14 Salam - - - - 1.2.2.2.1 Disagio saham biasa - - - -
3 Keuntungan/kerugian penjualan aset keuangan - - - -
15 Aset istishna’ dalam penyelesaian - - - - 1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
4 Keuntungan/kerugian transaksi spot dan forward (realised) - - - -
1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
Termin istishna’ -/- - - - - 5 Keuntungan/kerugian dari penyertaan dengan equity method - - - -
1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai - - - -
16 Persediaan - - - - 6 Keuntungan/kerugian penjabaran transaksi valuta asing - - 1.538 2.395 (CKPN) atas aset produktif
17 Aset tidak berwujud 208.391 212.953 208.391 212.953 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 316.441 335.042 316.453 335.055 8 Dividen - - - - 1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
19 Aset nonproduktif 9 Komisi/provisi/fee dan administrasi 422 351 422 351 1.3 Kepentingan nonpengendali yang dapat diperhitungkan
a. Properti terbengkalai - - - - 10 Pendapatan lainnya 12.838 18.276 12.838 18.276 1.4 Faktor pengurang Modal Inti Utama
b. Agunan yang diambil alih - - - - 11 Beban bonus wadiah -/- (11) (181) (11) (181) 1.4.1 Perhitungan pajak tangguhan (193.144) (198.783) (245.369) (244.308)
c. Rekening tunda - - - - Beban (pemulihan) kerugian penurunan nilai aset keuangan (215.360) (383.880) (218.075) (384.293) 1.4.2 Goodwill - - - -
12
(impairment) -/-
d. Aset antar kantor - - - - 1.4.3 Seluruh Aset tidak berwujud lainnya (208.391) (208.391) (214.579) (214.579)
13 Kerugian terkait risiko operasional -/- (1.241) (2.194) (1.241) (2.194)
20 Aset Lainnya 321.790 281.066 327.474 286.453 1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
14 Kerugian penurunan nilai aset lainnya (nonkeuangan) -/- - - - -
TOTAL ASET 21.701.384 21.736.656 21.713.762 21.747.580 1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
15 Beban tenaga kerja -/- (372.584) (355.017) (373.054) (355.568)
LIABILITAS DAN EKUITAS 1.4.6 Eksposur sekuritisasi - - - -
16 Beban promosi -/- (2.008) (2.465) (2.008) (2.465)
LIABILITAS 1.4.7 Faktor Pengurang modal inti lainnya
17 Beban lainnya -/- (197.947) (188.509) (198.389) (188.555)
1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
1 Dana simpanan wadiah
Pendapatan/ Beban Operasional Lainnya Bersih (775.891) (913.619) (777.980) (912.234)
2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
a. Giro 13.010 6.792 13.010 6.792
LABA/ RUGI OPERASIONAL 395.599 330.304 396.346 334.636
2.1 Instrumen yang memenuhi persyaratan AT-1 - - - -
b. Tabungan 2.077.775 2.118.289 2.077.775 2.118.289
PENDAPATAN DAN BEBAN NON OPERASIONAL
2.2 Agio / disagio (+/-) - - - -
2 Dana investasi non profit sharing
1 Keuntungan/ kerugian penjualan aset tetap dan inventaris 15 1.630 15 1.630 2.3 Faktor Pengurang Modal Inti Tambahan
a. Giro - - - -
2 Pendapatan/ beban non operasional lainnya (584) 203 (587) 200 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
b. Tabungan 852.805 977.118 852.680 976.622
LABA/ RUGI NON OPERASIONAL (569) 1.833 (572) 1.830 II. Modal Pelengkap (Tier 2)
c. Deposito 8.699.754 8.622.730 8.699.754 8.622.730
LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 395.030 332.137 395.774 336.466 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 -/- (57.022) (43.053) (57.022) (43.053) 3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 98.617 99.893 100.845 102.478
5 Liabilitas kepada bank lain - - - -
b. Pendapatan (beban) pajak tangguhan (28.211) (28.951) (27.952) (29.387) 4 Cadangan tujuan - - - -
6 Liabilitas spot dan forward - - - -
LABA/ RUGI BERSIH TAHUN BERJALAN 309.797 260.133 310.800 264.026 5 Faktor Pengurang Modal Pelengkap
7 Surat berharga diterbitkan - 200.000 - 200.000 - - - -
LABA/ RUGI KEPENTINGAN MINORITAS 10 39 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 8.952.361 9.254.286 7.764.844 8.088.133
1 Pos-pos yang tidak akan direklasifikasi ke laba rugi
10 Setoran jaminan - - - -
a. Keuntungan yang berasal dari revaluasi aset tetap - - - - 31 Maret 2025 31 Maret 2024 31 Maret 2025 31 Maret 2024
11 Liabilitas antar kantor - - - -
b. Keuntungan/kerugian yang berasal dari pengukuran kembali atas KETERANGAN INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI KETERANGAN INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
- - - -
12 Liabilitas lainnya 442.383 506.441 442.575 506.553 program pensiun manfaat pasti
13 Dana investasi profit sharing - - - - c. Lainnya - - - - ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
14 Kepentingan minoritas (minority interest) 3.023 3.013 2 Pos-pos yang akan direklasifikasi ke laba rugi ATMR RISIKO KREDIT 7.593.654 7.694.267 7.660.485 7.792.328 Rasio CET 1 (%) 51,51% 52,96% 45,49% 47,01%
TOTAL LIABILITAS 12.085.727 12.431.370 12.088.817 12.433.999 a. Keuntungan/kerugian yang berasal dari penyesuaian akibat ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 51,51% 52,96% 45,49% 47,01%
- - - -
penjabaran laporan keuangan dalam mata uang asing
EKUITAS ATMR RISIKO OPERASIONAL 9.593.236 9.590.539 9.185.583 9.194.553 Rasio Tier 2 (%) 0,57% 0,58% 0,60% 0,60%
b. Keuntungan/kerugian yang berasal dari peningkatan nilai wajar
15 Modal disetor (MTM) aset keuangan instrumen ekuitas yang diukur pada nilai (90) (366) (90) (366) TOTAL ATMR 17.186.890 17.284.806 16.846.068 16.986.881 Rasio KPMM (%) 52,09% 53,54% 46,09% 47,61%
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 (%) 42,88% 44,33% 36,91% 38,43%
b. Modal yang belum disetor -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) c. Lainnya - - - -
ALOKASI PEMENUHAN KPMM SESUAI PERSENTASE BUFFER YANG WAJIB DIPENUHI
PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN PROFIL RISIKO OLEH BANK (%)
c. Saham yang dibeli kembali (treasury stock) -/- - (24) - (24) (90) (366) (90) (366)
SETELAH PAJAK
Dari CET 1 (%) 8,64% 8,63% 8,58% 8,58% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
16 Tambahan modal disetor
TOTAL LABA (RUGI) KOMPREHENSIF TAHUN BERJALAN 309.707 259.767 310.710 263.660 Dari 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
Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada : Dari Tier 2 (%) 0,57% 0,58% 0,60% 0,60% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - -
Pemilik 309.797 260.133 310.790 263.987
c. Modal sumbangan - - - -
Kepentingan Nonpengendali - - 10 39
d. Dana setoran modal - - - -
TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 309.797 260.133 310.800 264.026 CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
e. Lainnya 20.916 20.916 20.916 20.916
Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada :
Tanggal 31 Maret 2025 dan 2024 (Dalam Jutaan Rupiah)
17 Penghasilan komprehensif lain
Pemilik 309.707 259.767 310.700 263.621 INDIVIDUAL
a. Keuntungan 55.760 55.849 55.760 55.849
Kepentingan Nonpengendali - - 10 39 No POS-POS 31 Maret 2025 31 Maret 2024
b. Kerugian - - - -
TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 309.707 259.767 310.710 263.660 CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
18 Cadangan
DIVIDEN - 540.397 - 540.397 Individual Kolektif Umum Khusus Individual Kolektif Umum Khusus
a. Cadangan umum 145.000 145.000 145.000 145.000 LABA BERSIH PER SAHAM 40 34 40 34
1 Penempatan pada bank lain - - 78 - - - 45 -
b. Cadangan tujuan - - - -
2 Tagihan spot dan forward - - - - - - - -
19 Laba/ rugi
LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN 3 Surat berharga dimiliki - - 16.077 - - - 5.569 -
a. Tahun-tahun lalu 7.471.030 6.938.705 7.479.325 6.958.446 Tanggal 31 Maret 2025 dan 31 Desember 2024 (Dalam Jutaan Rupiah)
4 Tagihan akseptasi - - - - - - - -
b. Tahun berjalan 309.797 1.072.722 310.790 1.061.276
INDIVIDUAL KONSOLIDASI 5 Piutang murabahah - 893.718 91.172 108.147 - 1.091.524 101.453 81.896
c. Dividen yang dibayarkan -/- - (540.397) - (540.397) No POS-POS 31 Maret 2025 31 Des 2024 31 Maret 2025 31 Des 2024
6 Piutang istishna’ - - - - - - - -
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 9.615.657 9.305.286 9.624.945 9.313.581 Tidak Diaudit Diaudit Tidak Diaudit Diaudit
7 Piutang multijasa - - - - - - - -
TOTAL EKUITAS 9.615.657 9.305.286 9.624.945 9.313.581 I. TAGIHAN KOMITMEN
8 Piutang qardh - - - - - 72 2 71
1. Fasilitas pembiayaan yang belum ditarik - - - -
TOTAL LIABILITAS DAN EKUITAS 21.701.384 21.736.656 21.713.762 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 31 Maret 2025 dan 2024 11 Pembiayaan musyarakah - 121 5.833 - - 109 109 -
(Dalam Jutaan Rupiah) II. KEWAJIBAN KOMITMEN
12 Pembiayaan lainnya - - - - - - - -
1. Fasilitas pembiayaan yang belum ditarik
31 Maret 2025 31 Maret 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 116.844 - 116.844 -
2. Irrevocable L/C yang masih berjalan - - - -
Penerimaan pendapatan dari pengelolaan dana 1.314.918 1.366.793
Pembayaran bagi hasil dana syirkah temporer (120.895) (127.497)
3. Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
4. Lainnya - - - -
Tanggal 31 Maret 2025 Tidak Diaudit (Dalam Jutaan Rupiah)
Penerimaan pendapatan administrasi 981 2.435
III. TAGIHAN KONTINJENSI INDIVIDUAL
Penerimaan dari piutang murabahah yang dihapusbukukan 14.561 18.288
1. Garansi yang diterima - - - - No TRANSAKSI Tujuan Tagihan dan Liabilitas
Pembayaran beban tenaga kerja (498.577) (514.818) Nominal
2. Pendapatan dalam penyelesaian Bukan Hedging Hedging Tagihan Liabilitas
Pembayaran beban usaha lainnya (447.498) (676.938)
a. Murabahah 49.029 44.738 49.029 44.738 A Terkait dengan Nilai Tukar
Pembayaran terkait pendapatan (beban) non-operasional - bersih (573) 171
b. Istishna' - - - - 1 Spot - - - - -
Pembayaran pajak penghasilan badan (48.217) (64.566) c. Sewa - - - - 2 Forward - - - - -
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 214.700 3.868 d. Bagi hasil - - - - 3 Lainnya - - - - -
Perubahan dalam aset operasi, liabilitas operasi dan dana syirkah temporer: e. Lainnya - 1 - 1 B Lainnya - - - - -
Penurunan (kenaikan) aset operasi : 3. Lainnya - - - - JUMLAH - - - - -
Piutang murabahah (26.253) 502.584 IV. KEWAJIBAN KONTINJENSI
1. Garansi yang diberikan - - - -
LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Pembiayaan musyarakah (52.685) 8.720
Tanggal 31 Maret 2024 Tidak Diaudit (Dalam Jutaan Rupiah)
Pinjaman qardh 16 199 2. Lainnya - - - -
Net Revenue Sharing
Aset lain-lain (21.888) (20.082)
Kenaikan (penurunan) liabilitas operasi: LAPORAN RASIO KEUANGAN TRIWULANAN Porsi Pemilik Dana
Tanggal 31 Maret 2025 dan 2024 Jenis Penghimpunan Dana Saldo Pendapatan yang
Liabilitas segera 9.404 15.763
Rata-rata akan dibagihasilkan
Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
Simpanan nasabah (34.296) (66.368) No POS-POS 31 Maret 2025 31 Maret 2024 of Return (%)
Liabilitas lain-lain 30.509 40.128 A B C D E
Rasio Kinerja
(Penurunan) kenaikan: - - 1 Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
1 Kewajiban Penyediaan Modal Minimun (KPMM) 52,09% 46,09%
Dana syirkah temporer (46.918) (337.099) 2 Giro Mudharabah
2 Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,68% 1,63%
Arus kas bersih diperoleh dari aktivitas operasi 72.589 147.713 a. Bank - - 0,00% - 0,00%
3 Aset produktif bermasalah terhadap total aset produktif 1,68% 1,63%
ARUS KAS DARI AKTIVITAS INVESTASI b. Non Bank - - 0,00% - 0,00%
4 Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,36% 5,51%
3 Tabungan Mudharabah
Hasil penjualan aset tetap 70 1.673 5 Non Performing Financing (NPF) gross 3,36% 2,97%
a. Bank - - 0,00% - 0,00%
Pembelian aset tetap (3.690) (12.049) 6 Non Performing Financing (NPF) net 0,03% 0,02%
b. Non Bank 782.528 35.926 2,00% 719 1,12%
Pembelian aset tak berwujud (10.664) (19.635) 7 Return On Assets (ROA) 7,36% 6,22%
4 Deposito Mudharabah
Pembelian surat berharga (1.375.612) (2.812.350) 8 Return On Equity (ROE) 14,19% 13,17%
a. Bank
Penjualan surat berharga 1.088.991 744.943 9 Net Imbalan (NI) 23,08% 24,72%
- 1 Bulan - - 0,00% - 0,00%
Arus kas bersih digunakan untuk aktivitas investasi (300.905) (2.097.418) 10 Net Operating Margin (NOM) 7,53% 6,19%
- 3 Bulan - - 0,00% - 0,00%
ARUS KAS DARI AKTIVITAS PENDANAAN 11 Beban Operasional terhadap Pendapatan Operasional (BOPO) 69,74% 76,21%
- 6 Bulan - - 0,00% - 0,00%
12 Cost to Income Ratio (CIR) 48,43% 43,43%
Pembayaran surat berharga yang diterbitkan (200.000) - - 12 Bulan - - 0,00% - 0,00%
13 Pembiayaan bagi hasil terhadap total pembiayaan 5,69% 0,10%
Pembayaran dari pinjaman yang diterima - - b. Non Bank
14 Financing to Deposit Ratio (FDR) 88,04% 92,65%
Pembayaran dividen - - - 1 Bulan 5.129.711 235.506 8,87% 31.572 7,49%
Kepatuhan (Compliance)
Pembayaran pajak dividen - - - 3 Bulan 1.393.695 63.985 8,88% 7.272 6,35%
1 a. Persentase Pelanggaran BMPD
Arus kas bersih digunakan untuk aktivitas pendanaan (200.000) - - 6 Bulan 206.505 9.481 8,16% 993 5,85%
i. Pihak Terkait 0,00% 0,00%
(PENURUNAN) KENAIKAN BERSIH KAS DAN SETARA KAS (428.316) (1.949.705) 12 Bulan 1.746.383 80.177 8,67% 56 0,04%
ii. Pihak Tidak Terkait 0,00% 0,00%
KAS DAN SETARA KAS AWAL TAHUN 3.644.385 4.260.714 5 Pembiayaan yang Diterima - - 0,00% - 0,00%
b. Persentase Pelampauan BMPD
Jumlah 9.258.822 425.075 40.612
KAS DAN SETARA KAS AKHIR TAHUN 3.216.069 2.311.009 i. Pihak Terkait 0,00% 0,00%
Kas dan setara kas akhir tahun terdiri dari: ii. Pihak Tidak Terkait 0,00% 0,00% Saldo Rata-rata Pendapatan yang Diterima
Jenis Penyaluran Dana
2 Giro Wajib Minimum (GWM)
Kas 458.030 589.487 A B
a. GWM rupiah 5,12% 5,51% 1 Penempatan pada Bank Lain 9.669.489 48.507
Giro pada Bank Indonesia 563.121 654.285
i. Harian 0,00% 0,00% 2 Piutang Murabahah
Giro pada bank-bank lain 8.918 5.826
ii. Rata-rata 5,12% 5,51% a. Bank - -
Penempatan pada Bank Indonesia 900.000 0
b. GWM valuta asing (Harian) 0,00% 0,00% b. Non Bank 9.630.354 382.749
Penempatan pada bank-bank lain 251.000 241.500
3 Piutang Istishna
Investasi pada surat berharga 1.035.000 819.911 3 Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00%
a. Bank - -
b. Non Bank - -
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA 4 Piutang Multijasa
Tanggal 31 Maret 2025 dan 2024 (Dalam Jutaan Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Pembiayaan Gadai
No POS-POS 31 Maret 2025 31 Maret 2024
a. Bank - -
L DPK KL D M JUMLAH L DPK KL D M JUMLAH b. Non Bank - -
I. PIHAK TERKAIT 6 Pembiayaan Mudharabah
1 Penempatan pada bank lain a. Bank - -
a. Rupiah 6.895 - - - - 6.895 3.468 - - - - 3.468 b. Non Bank - -
7 Pembiayaan Musyarakah
b. Valuta asing - - - - - - - - - - - -
a. Bank - -
2 Tagihan spot dan forward
b. Non Bank 507.705 2.390
a. Rupiah - - - - - - - - - - - -
8 Pembiayaan Sewa
b. Valuta asing - - - - - - - - - - - - a. Bank - -
3 Surat berharga dimiliki b. Non Bank - -
a. Rupiah - - - - - - - - - - - - 9 Pembiayaan Lainnya
a. Bank - -
b. Valuta asing - - - - - - - - - - - -
b. Non Bank 53 -
4 Tagihan akseptasi - - - - - - - - - - - -
Jumlah 19.807.601 433.646
5 Pembiayaan berbasis piutang dan sewa
a Nasabah UMKM - - - - - - - - - - - - Profit Sharing
i. Rupiah - - - - - - - - - - - - Porsi Pemilik Dana
Jenis Penghimpunan Dana Saldo Pendapatan yang akan
ii. Valuta asing - - - - - - - - - - - - Rata-rata dibagihasilkan Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
of Return (%)
b. Bukan nasabah UMKM - - - - - - - - - - - -
A B C D E
i. Rupiah - - - - - - - - - - - - 1 Liabilitas Kepada Bank Lain
ii. Valuta asing - - - - - - - - - - - - 2 Giro Mudharabah
c. Pembiayaan yang direstrukturisasi a. Bank - - 0,00% - 0,00%
b. Non Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
3 Tabungan Mudharabah
ii. Valuta asing - - - - - - - - - - - -
a. Bank - - 0,00% - 0,00%
6 Pembiayaan bagi hasil
b. Non Bank - - 0,00% - 0,00%
a. Nasabah UMKM - - - - - - - - - - - - 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%
- 6 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
- 12 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - -
b. Non Bank
c. Pembiayaan yang direstrukturisasi
- 1 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 3 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 6 Bulan - - 0,00% - 0,00%
7 Penyertaan modal 297.000 - - - - 297.000 297.000 - - - - 297.000 12 Bulan - - 0,00% - 0,00%
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
8 Komitmen dan kontinjensi
Jumlah - - -
a. Rupiah - - - - - - - - - - - -
b. Valuta asing - - - - - - - - - - - - Saldo Rata-rata Pendapatan yang Diterima
Jenis Penyaluran Dana
II. PIHAK TIDAK TERKAIT A B
1 Penempatan pada Bank Lain - -
1 Penempatan pada bank lain
2 Piutang Murabahah
a. Rupiah 913 - - - - 913 998 - - - - 998
a. Bank - -
b. Valuta asing - - - - - - - - - - - -
b. Non Bank - -
2 Tagihan spot dan forward 3 Piutang Istishna
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Valuta asing - - - - - - - - - - - - b. Non Bank - -
4 Piutang Multijasa
3 Surat berharga dimiliki
a. Bank - -
a. Rupiah 9.040.458 - - - - 9.040.458 8.623.029 - - - - 8.623.029
b. Non Bank - -
b. Valuta asing - - - - - - - - - - - -
5 Pembiayaan Gadai
4 Tagihan akseptasi - - - - - - - - - - - -
a. Bank - -
5 Pembiayaan berbasis piutang dan sewa b. Non Bank - -
a Nasabah UMKM 6 Pembiayaan Mudharabah
i. Rupiah 9.105.289 205.918 214.953 127.291 1.984 9.655.435 10.116.263 396.904 303.361 3.376 16.326 10.836.230 a. Bank - -
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
7 Pembiayaan Musyarakah
b. Bukan nasabah UMKM
a. Bank - -
i. Rupiah 11.994 - - - - 11.994 29.176 2 1 - - 29.179
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
8 Pembiayaan Sewa
c. Pembiayaan yang direstrukturisasi a. Bank - -
i. Rupiah 52.935 4.088 5.553 4.286 217 67.079 508.043 7.973 12.973 356 15.910 545.255 b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - - 9 Pembiayaan Lainnya
a. Bank - -
d. Pembiayaan properti - - - - - - - - - - - -
b. Non Bank - -
6 Pembiayaan bagi hasil
Jumlah - -
a. Nasabah UMKM
i. Rupiah - - - - - - - - - - - -
DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM
ii. Valuta asing - - - - - - - - - - - -
Direksi : I. Pemegang Saham Pengendali (PSP) :
b. Bukan nasabah UMKM • Direktur Utama : Hadi Wibowo PT. Bank SMBC Indonesia Tbk. 70,00%
i. Rupiah 583.252 - - - - 583.252 10.949 - - - - 10.949 • Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
• Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation
ii. Valuta asing - - - - - - - - - - - -
• Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00%
c. Pembiayaan yang direstrukturisasi • Direktur : Dewi Nuzulianti
Dewan Komisaris :
i. Rupiah - - - - - - - - - - - -
• Komisaris Utama/Independen : Kemal Azis Stamboel
ii. Valuta asing - - - - - - - - - - - - • Komisaris Independen : Mulya Effendi Siregar
7 Penyertaan modal - - - - - - - - - - - - • Komisaris Independen : Dewie Pelitawati
• Komisaris : Ongki Wanadjati Dana
8 Komitmen dan kontinjensi
Dewan Pengawas Syariah :
a. Rupiah - - - - - - - - - - - - • Ketua : H. Ikhwan Abidin, MA
b. Valuta asing - - - - - - - - - - - -
• Anggota : H. Muhamad Faiz, MA
III. INFORMASI LAIN
1 Total aset bank yang dijaminkan: Jakarta, 25 April 2025
S.E. & O
a. Pada Bank Indonesia - -
Direksi,
b. Pada pihak lain - -
2 Agunan yang diambil alih - -
Catatan:
1. Penyajian laporan keuangan publikasi ini diterbitkan guna memenuhi Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tanggal 20 Desember 2019 tentang “Transparansi dan Publikasi Laporan Bank” dan Surat Edaran Otoritas Jasa keuangan No.
10/SEOJK.03/2020 tentang “Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah”. Serta guna memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/
BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik. Hadi Wibowo Fachmy Ahmad
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 Direktur Utama Direktur
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 2024.
Page 3
STATEMENT OF FINANCIAL
PT Bank BTPN Syariah Tbk.
31 March 2025
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 31 March 2025 and 31 December 2024 (in Millions of Rupiah) For The Periodes Ended 31 March 2025 and 2024 As of 31 March 2025 and 2024 (in Millions of Rupiah)
(in Millions of Rupiah, except net income per share)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 31 March 2025 31 March 2024
No COMPONENTS OF CAPITAL
No DESCRIPTION 31 March 2025 31 Dec 2024 31 March 2025 31 Dec 2024 No DESCRIPTION 31 March 2025 31 March 2024 31 March 2025 31 March 2024 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 458.030 592.911 458.030 592.911 1.1 Paid-in capital (net of treasury stock) 770.370 770.370 770.345 770.345
1 Income from Fund Management as Mudharib 1.294.054 1.369.660 1.296.888 1.372.604 1.2 Reserve additional capital
2 Placements with Bank Indonesia 1.463.121 1.669.329 1.463.121 1.669.329
a. Income from receivables
3 Placements with other Banks 7.808 2.195 259.918 251.956 1.2.1 Additional factor
i. Murabahah 1.136.776 1.238.641 1.136.776 1.238.641
4 Spot and forward receivables - - - - 1.2.1.1 Other comprehensive income
ii. Istishna' - - - - 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
5 Investments in marketable securities 9.040.458 8.849.141 9.094.745 8.901.904
iii. Multiservices ijarah - - - - 1.2.1.1.2 Potential gain due to increases of fair value of financial assets classified as fair value through other 245 245 - -
6 Securities purchased under resale agreements (reverse repo) - - - -
comprehensive income
iv. Ujrah - - - -
7 Acceptance receivables - - - -
1.2.1.1.3 Surplus of fixed assets revaluation 13.053 13.053 5.239 5.239
v. Others - - - -
8 Receivables 1.2.1.2 Other disclosed reserves
b. Income from Financing
a. Murabahah receivables 9.667.381 9.641.128 9.667.381 9.641.128 1.2.1.2.1 Agio 880.995 880.995 880.356 880.356
i. Mudharabah - - - -
b. Istishna’ receivables - - - - 1.2.1.2.2 General reserves 145.000 145.000 145.000 145.000
ii. Musyarakah 7.994 408 7.994 408
c. Multiservices ijarah receivables - - - - 1.2.1.2.3 Previous years profit after tax 7.432.819 7.441.114 6.360.097 6.379.838
iii. Others - - - -
d. Funds of qardh 48 64 48 64 1.2.1.2.4 Current year profit after tax 309.797 310.790 260.133 263.987
c. Income from ijarah - - - -
e. Ijarah receivables - - - - 1.2.1.2.5 Funds for paid-up capital - - - -
d. Others 149.284 130.611 152.118 133.555
9 Profit sharing financing 1.2.1.2.6 Capital contribution - - - -
2 Profit Sharing for Investors -/- (122.564) (125.737) (122.562) (125.734)
a. Mudharabah - - - - 1.2.1.2.7 Warrants issued - - - -
a. Non profit sharing (122.564) (125.737) (122.562) (125.734) 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
b. Musyarakah 583.252 530.567 583.252 530.567
b. Profit sharing - - - - 1.2.2 Deduction factor
c. Others - - - -
3 Net Income from Fund Management as Mudharib 1.171.490 1.243.923 1.174.326 1.246.870
1.2.2.1 Other comprehensive expense
10 Asset acquired for Ijarah - - - -
B. Operating Income and Expenses other than as Mudharib 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
11 Investment in share 297.000 297.000 - -
Gain/Loss from increase/decrease in fair value of financial assets - - - - 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other - - (223) (223)
1
12 Other financial assets 231.503 249.534 231.503 249.534 comprehensive income
13 Allowance for impairment on financial assets -/- (893.839) (924.274) (896.554) (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 - - 1.538 2.395 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
17 Intangible assets 208.391 212.953 208.391 212.953
7 Bank income as mudharib in mudharabah muqayyadah - - - - 1.2.2.2.6 Regulatory provision on non earning assets - - - -
18 Fixed assets and equipments 316.441 335.042 316.453 335.055
8 Dividend Income - - - - 1.3 Minority interest that can be counted
19 Non earning assets
9 Commission/provision/fees and administration income 422 351 422 351 1.4 Deduction factors of CET 1
a. Abandoned property - - - -
10 Other income 12.838 18.276 12.838 18.276 1.4.1 Deferred tax calculation (193.144) (198.783) (245.369) (244.308)
b. Foreclosed collaterals - - - -
11 Wadiah bonus expenses -/- (11) (181) (11) (181) 1.4.2 Goodwill - - - -
c. Suspense Accounts - - - -
12 Impairment for financial asset -/- (215.360) (383.880) (218.075) (384.293) 1.4.3 Investments in share calculated as deduction (208.391) (208.391) (214.579) (214.579)
d. Interoffice assets - - - -
(1.241) (2.194) (1.241) (2.194) 1.4.4 Shortfall on the capital of insurance subsidiaries (297.000) - (297.000) -
13 Losses related to operational risks -/-
20 Other assets 321.790 281.066 327.474 286.453
1.4.5 Securitisation exposure - - - -
14 Impairment for non financial assets -/- - - - -
TOTAL ASSETS 21.701.384 21.736.656 21.713.762 21.747.580
1.4.6 Eksposur sekuritisasi - - - -
15 Salaries and employee benefits -/- (372.584) (355.017) (373.054) (355.568)
LIABILITIES AND EQUITIES 1.4.7 Other deduction factor of CET 1
16 Promotion Expenses -/- (2.008) (2.465) (2.008) (2.465)
LIABILITIES 1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
17 Other Expenses -/- (197.947) (188.509) (198.389) (188.555)
1 Wadiah Deposits 2 Additional Tier 1 (AT 1)
Net Operating Income/Expenses (775.891) (913.619) (777.980) (912.234)
a. Demand Deposits 13.010 6.792 13.010 6.792 2.1 Instruments which comply with AT 1 regulations - - - -
OPERATING INCOME/EXPENSES 395.599 330.304 396.346 334.636
b. Savings Deposits 2.077.775 2.118.289 2.077.775 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 15 1.630 15 1.630
a. Demand Deposits - - - - 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
2 Other non-operating income/expenses (584) 203 (587) 200
II. Supplemental Capital (Tier 2)
b. Savings Deposits 852.805 977.118 852.680 976.622
NON-OPERATING INCOME/EXPENSES (569) 1.833 (572) 1.830
1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
c. Time Deposits 8.699.754 8.622.730 8.699.754 8.622.730
CURRENT YEAR PROFIT/LOSS BEFORE TAX 395.030 332.137 395.774 336.466
2 Agio/Disagio (+/-) - - - -
3 Electronic Money - - - -
Income taxes 3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 98.617 99.893 100.845 102.478
4 Liabilities to Bank Indonesia - - - -
a. Estimated current year tax -/- (57.022) (43.053) (57.022) (43.053) 4 Appropriated reserves - - - -
5 Liabilities to Other Banks - - - -
b. Deferred tax income/expenses (28.211) (28.951) (27.952) (29.387) 5 Deduction supplemental capital
6 Spot and forward payables - - - -
CURRENT YEAR NET PROFIT/LOSS 309.797 260.133 310.800 264.026 5.1 Sinking Fund - - - -
7 Marketable securities issued - 200.000 - 200.000
MINORITY INTEREST PROFIT/LOSS 10 39 5.2 Investment on Tier 2 instrument to other bank - - - -
8 Acceptance liabilities - - - - TOTAL CAPITAL 8.952.361 9.254.286 7.764.844 8.088.133
OTHER COMPREHENSIVE INCOME
9 Fund Borrowings - - - -
1 Items that will not be reclassified to profit or loss
10 Guarantee deposit - - - -
a. Gain/Loss from revaluation of properties - - - - 31 March 2025 31 March 2024 31 March 2025 31 March 2024
11 Interoffice liabilities - - - - DESCRIPTION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION DESCRIPTION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
b. Gain/Loss from remeasurement on defined benefit plan - - - -
12 Other liabilities 442.383 506.441 442.575 506.553
c. Others - - - - RISK WEIGHTED ASSETS RASIO KPMM
13 Profit sharing investment funds - - - -
2 Items that will be reclassified to profit or loss
CREDIT RISK - WEIGHTED ASSETS 7.593.654 7.694.267 7.660.485 7.792.328 Rasio CET 1 (%) 51,51% 52,96% 45,49% 47,01%
14 Minority interest 3.023 3.013
a. Gain/Loss from exchange difference on translation of foreign
- - - - MARKET RISK - WEIGHTED ASSETS - - - - Rasio Tier 1 (%) 51,51% 52,96% 45,49% 47,01%
TOTAL LIABILITIES 12.085.727 12.431.370 12.088.817 12.433.999 currency financial statement
EQUITIES OPERATIONAL RISK - WEIGHTED ASSETS 9.593.236 9.590.539 9.185.583 9.194.553 Rasio Tier 2 (%) 0,57% 0,58% 0,60% 0,60%
b. Gain/Loss from changes of financial assets on measured at fair
(90) (366) (90) (366) TOTAL RISK WEIGHTED ASSETS Rasio KPMM (%)
15 Share capital value through other comprehensive income 17.186.890 17.284.806 16.846.068 16.986.881 52,09% 53,54% 46,09% 47,61%
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 CAR BASED ON RISK PROFILE (%) 9,21% 9,21% 9,18% 9,18% CET 1 FOR BUFFER (%) 42,88% 44,33% 36,91% 38,43%
c. Others - - - -
b. Unpaid-in capital -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (90) (366) (90) (366) CAPITAL ALLOCATION FOR CAR BASED ON PERCENTAGE OF BUFFER MANDATORY
RISK PROFILE FULFILLED BY BANK (%)
c. Treasury stock -/- - (24) - (24) TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 309.707 259.767 310.710 263.660
From CET 1 (%) 8,64% 8,63% 8,58% 8,58% 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 309.797 260.133 310.790 263.987
From Tier 2 (%) 0,57% 0,58% 0,60% 0,60% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Non controlling interest - - 10 39
c. Capital contribution - - - - TOTAL CURRENT YEAR NET PROFIT/LOSS 309.797 260.133 310.800 264.026
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 309.707 259.767 310.700 263.621 As of 31 March 2025 and 2024 (in Millions of Rupiah)
17 Other comprehensive income Non controlling interest - - 10 39
INDIVIDUAL
a. Gain 55.760 55.849 55.760 55.849 Total Comprehensive Profit/Loss For The Year 309.707 259.767 310.710 263.660
No DESCRIPTION 31 March 2025 31 March 2024
b. Loss -/- - - - - DIVIDEND - 540.397 - 540.397
Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
18 Reserve EARNINGS PER SHARE (in Rupiah) 40 34 40 34
Individual Collective General Specific Individual Collective General Specific
a. General reserve 145.000 145.000 145.000 145.000
STATEMENT OF COMMITMENTS AND CONTINGENCIES 1 Placements with other banks - - 78 - - - 45 -
b. Appropriated reserve - - - - As of 31 March 2025 and 31 December 2024 (in Millions of Rupiah) 2 Spot and forward receivables - - - - - - - -
19 Profit / Loss
INDIVIDUAL CONSOLIDATION 3 Securities - - 16.077 - - - 5.569 -
a. Previous years 7.471.030 6.938.705 7.479.325 6.958.446 No DESCRIPTION 31 March 2025 31 Dec 2024 31 March 2025 31 Dec 2024 4 Acceptance receivables - - - - - - - -
b. Current year 309.797 1.072.722 310.790 1.061.276 UnAudited Audited UnAudited Audited
5 Murabahah receivables - 893.718 91.172 108.147 - 1.091.524 101.453 81.896
c. Dividens paid -/- - (540.397) - (540.397) I. COMMITMENT RECEIVABLES
6 Istishna' receivables - - - - - - - -
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 9.615.657 9.305.286 9.624.945 9.313.581 1. Unused financing facilities - - - -
7 Multi-services ijarah receivables - - - - - - - -
TOTAL EQUITIES 9.615.657 9.305.286 9.624.945 9.313.581 2. Foreign currency positions to be received from spot and forward
- - - - 8 Funds of qardh - - - - - 72 2 71
transactions
TOTAL LIABILITIES AND EQUITIES 21.701.384 21.736.656 21.713.762 21.747.580 9 Ijarah receivables - - - - - - - -
3. Others - - - -
10 Mudharabah financing - - - - - - - -
II. COMMITMENT PAYABLES
CONSOLIDATED STATEMENTS OF CASH FLOWS 11 Musyarakah financing - 121 5.833 - - 109 109 -
1. Unused financing facilities
Years Ended 31 March 2025 and 2024 (in Millions of Rupiah) 12 Other financing - - - - - - - -
a. Committed - - - -
31 March 2025 31 March 2024 13 Investments in shares - - 2.970 - - - 2.970 -
DESCRIPTION b. Uncommitted 116.844 - 116.844 -
UnAudited UnAudited 14 Commitments and contingencies - - - - - - - -
2. Outstanding irrevocable L/C - - - -
CASH FLOWS FROM OPERATING ACTIVITIES
3. Foreign currency positions to be submitted for spot and forward
- - - -
transactions
Receipts of income from fund management 1.314.918 1.366.793
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
Payments of profit sharing for temporary syirkah funds (120.895) (127.497) 4. Others - - - - As of 31 March 2024 UnAudited (in Millions of Rupiah)
Receipts of administrative income 981 2.435 III. CONTINGENT RECEIVABLES
INDIVIDUAL
Receipts from recovery of written-off murabahah receivables 14.561 18.288 1. Guarantees received - - - -
No TRANSACTION Type Derivative Receivables & Payable
Payments of personnel expenses (498.577) (514.818) 2. Income from non performing financing Nominal
Non Hedging Hedging Receivables Payables
a. Murabahah 49.029 44.738 49.029 44.738
Payments of other operating expenses (447.498) (676.938) A Exchange Rate Related
b. Istishna' - - - -
Payments related with non-operating income (expenses) - net (573) 171 1 Spot - - - - -
c. Ijarah - - - -
Payments of corporate income tax (48.217) (64.566) 2 Forward - - - - -
d. Profit Sharing - - - -
Cash flows before changes in operating assets and liabilities 214.700 3.868 3 Other - - - - -
e. Others - 1 - 1
B Other - - - - -
Changes in operating assets, operating liabilities and temporary syirkah funds:
3. Others - - - - TOTAL - - - - -
Decrease (increase) in operating assets:
IV. CONTINGENT LIABILITIES
Murabahah receivables (26.253) 502.584
1. Guarantees issued - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
Musyarakah financing (52.685) 8.720 As of 31 March 2024 UnAudited (in Millions of Rupiah)
2. Others - - - -
Funds of qardh 16 199
Net Revenue Sharing
Other assets (21.888) (20.082) STATEMENT OF FINANCIAL RATIOS
Increase (decrease) in operating liabilities: - - As of 31 March 2025 and 2024 Fund Owners Portion
Types of Funds Average Income to be
Liabilities due immediately 9.404 15.763 31 March 2025 31 March 2024 Balance Distributed
Rate of Return
No RATIOS Ratio (%) Total of Profit Sharing
Deposits from customers (34.296) (66.368)
Indication (%)
PERFORMANCE RATIOS A B C D E
Other liabilities 30.509 40.128
1 Capital Adequacy Ratio (CAR) 52,09% 46,09% 1 Liabilities to other banks - - 0,00% - 0,00%
(Decrease) increase in :
2 Non performing earning assets and non earning assets to total earning assets and non earning assets 1,68% 1,63% 2 Mudharabah demand deposits
Temporary syirkah funds (46.918) (337.099)
3 Non performing earning assets to total earning assets 1,68% 1,63% a. Bank - - 0,00% - 0,00%
Net cash flows provided from operating activities 72.589 147.713
4 Allowance for impairment on financial assets to earning assets 4,36% 5,51% b. Non Bank - - 0,00% - 0,00%
CASH FLOWS FROM INVESTING ACTIVITIES
5 Non Performing Financing (NPF) gross 3,36% 2,97% 3 Mudharabah savings deposits
Proceeds from sale of fixed assets 70 1.673 a. Bank - - 0,00% - 0,00%
6 Non Performing Financing (NPF) net 0,03% 0,02%
Purchase of fixed assets (3.690) (12.049) 7 Return On Assets (ROA) 7,36% 6,22% b. Non Bank 782.528 35.926 2,00% 719 1,12%
Purchase of intangible assets (10.664) (19.635) 8 Return On Equity (ROE) 14,19% 13,17% 4 Mudharabah time deposits
Purchase of marketable securities (1.375.612) (2.812.350) 9 Net Interest (NI) 23,08% 24,72% a. Bank
10 Net Operating Margin (NOM) 7,53% 6,19% - 1 Month - - 0,00% - 0,00%
Sale of marketable securities 1.088.991 744.943
Net cash flows used in investing activities (300.905) (2.097.418) 11 Operating Expenses to Operating Income (BOPO) 69,74% 76,21% - 3 Month - - 0,00% - 0,00%
CASH FLOWS FROM FINANCING ACTIVITIES 12 Cost to Income Ratio (CIR) 48,43% 43,43% - 6 Month - - 0,00% - 0,00%
13 Profit sharing financing to total financing 5,69% 0,10% - 12 Month - - 0,00% - 0,00%
Payment of securities issued (200.000) -
b. Non Bank
Payments from borrowings - - 14 Financing to Deposit Ratio (FDR) 88,04% 92,65%
- 1 Month 5.129.711 235.506 8,87% 31.572 7,49%
Compliance
Payments of dividend - -
- 3 Month 1.393.695 63.985 8,88% 7.272 6,35%
1 a. Percentage violation of Legal Lending Limit (LLL)
Payments of tax on dividend - -
- 6 Month 206.505 9.481 8,16% 993 5,85%
i. Related parties 0,00% 0,00%
Net cash flows used in financing activities (200.000) - - 12 Month 1.746.383 80.177 8,67% 56 0,04%
ii. Non related parties 0,00% 0,00%
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (428.316) (1.949.705)
5 Marketable securities issued - - 0,00% - 0,00%
b. Percentage of financing in excess of Legal Lending Limit (LLL)
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 3.644.385 4.260.714
TOTAL 9.258.822 425.075 40.612
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 3.216.069 2.311.009 i. Related parties 0,00% 0,00%
Cash and cash equivalents consist of: ii. Non related parties 0,00% 0,00% Average Balance Retained Earnings
Type of Fund Distribution
2 Statutory reserve requirement A B
Cash 458.030 589.487
a. GWM rupiah 5,12% 5,51% 1 Placements with other banks 9.669.489 48.507
Current accounts with Bank Indonesia 563.121 654.285
i. Daily 0,00% 0,00% 2 Murabahah receivables
Current accounts with other banks 8.918 5.826
ii. Average 5,12% 5,51% a. Bank - -
Placements with Bank Indonesia 900.000 0
b. GWM foreign currencies (Daily) 0,00% 0,00% b. Non Bank 9.630.354 382.749
Placements with other banks 251.000 241.500
3 Istishna’ receivables
Investments in marketable securities 1.035.000 819.911 3 Overall Net Open Position (NOP) 0,00% 0,00%
a. Bank - -
b. Non Bank - -
STATEMENT OF ASSETS QUALITY AND OTHER INFORMATION 4 Multiservices ijarah receivables
As of 31 March 2025 and 2024 (in Millions of Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Funds of qardh
No DESCRIPTION 31 March 2025 31 March 2024
a. Bank - -
Current "Special "Sub Doubtful Loss Total Current "Special "Sub Doubtful Loss Total
b. Non Bank - -
Mention" Standard" Mention" Standard"
6 Mudharabah financing
I. RELATED PARTIES
a. Bank - -
1 Placements with other banks
b. Non Bank - -
a. Rupiah 6.895 - - - - 6.895 3.468 - - - - 3.468 7 Musyarakah financing
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
2 Spot and forward receivables b. Non Bank 507.705 2.390
8 Ijarah receivables
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Foreign currencies - - - - - - - - - - - -
b. Non Bank - -
3 Securities
9 Other financing
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank 53 -
4 Acceptance receivables - - - - - - - - - - - - TOTAL 19.807.601 433.646
5 Receivables and ijarah Profit Sharing
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - Fund Owners Portion
Average Income to be
i. Rupiah - - - - - - - - - - - - Types of Funds
Balance Distributed
Rate of Return
Ratio (%) Total of Profit Sharing
ii. Foreign currencies - - - - - - - - - - - - Indication (%)
b. Non Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - A B C D E
1 Liabilities to other banks
i. Rupiah - - - - - - - - - - - -
2 Mudharabah demand deposits
ii. Foreign currencies - - - - - - - - - - - -
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
a. Bank
i. Rupiah - - - - - - - - - - - -
- 1 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - -
- 3 Month - - 0,00% - 0,00%
b. Non Micro, small and medium enterprises (UMKM)
- 6 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 12 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank
c. Restructured loans - 1 Month - - 0,00% - 0,00%
- 3 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
- 6 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - -
- 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 - - - - - - - - - - - -
Average Balance Retained Earnings
b. Foreign currencies - - - - - - - - - - - - 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 913 - - - - 913 998 - - - - 998
a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
2 Spot and forward receivables 3 Istishna’ receivables
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - -
4 Multiservices ijarah receivables
3 Securities
a. Bank - -
a. Rupiah 9.040.458 - - - - 9.040.458 8.623.029 - - - - 8.623.029
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
a. Bank - -
i. Rupiah 9.105.289 205.918 214.953 127.291 1.984 9.655.435 10.116.263 396.904 303.361 3.376 16.326 10.836.230
b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - -
7 Musyarakah financing
b. Non Micro, small and medium enterprises (UMKM)
a. Bank - -
i. Rupiah 11.994 - - - - 11.994 29.176 2 1 - - 29.179 - -
b. Non Bank
ii. Foreign currencies - - - - - - - - - - - - 8 Ijarah receivables
c. Restructured loans a. Bank - -
b. Non Bank - -
i. Rupiah 52.935 4.088 5.553 4.286 217 67.079 508.043 7.973 12.973 356 15.910 545.255
9 Other financing
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - -
d. Property financing - - - - - - - - - - - -
b. Non Bank - -
6 Profit sharing financing - -
TOTAL
a Micro, small and medium enterprises (UMKM)
i. Rupiah - - - - - - - - - - - - MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER
ii. Foreign currencies - - - - - - - - - - - -
BOARD OF DIRECTORS : I. Ultimate shareholder :
b. Non Micro, small and medium enterprises (UMKM) • President Director : Hadi Wibowo PT. Bank SMBC Indonesia Tbk. 70,00%
i. Rupiah 583.252 - - - - 583.252 10.949 - - - - 10.949
• Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group
• Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation
ii. Foreign currencies - - - - - - - - - - - - • Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00%
c. Restructured loans • Director : Dewi Nuzulianti
BOARD OF COMMISSIONERS :
i. Rupiah - - - - - - - - - - - -
• President Commissioner/Independent : Kemal Azis Stamboel
ii. Foreign currencies - - - - - - - - - - - - • Independent Commissioner : Mulya Effendi Siregar
7 Investment in share - - - - - - - - - - - - • Independent Commissioner : Dewie Pelitawati
• Commissioner : Ongki Wanadjati Dana
8 Commitments and contingencies
SHARIA SUPERVISORY BOARD :
a. Rupiah - - - - - - - - - - - - • Chairman : H. Ikhwan Abidin, MA
• Member : H. Muhamad Faiz, MA
b. Foreign currencies - - - - - - - - - - - -
III. OTHER INFORMATIONS
1 Bank assets pledge as collateral: Jakarta, 25 April 2025
a. To Bank Indonesia - -
S.E. & O
Board of Directors,
b. To others parties - -
2 Foreclosed collateral - -
Notes:
1. The presentation of this published financial report is published in order to comply with Regulation no. 37/POJK.03/2019 of the Financial Services Authority dated 20 December 2019 on “Transparency and Publication of Bank Reports” and Circular no. 10/
SEOJK.03/2020 of the Financial Services Authority on “Transparency and Publication of Reports of Sharia Commercial Banks and Sharia Business Units”. And in order to comply with Regulation no. VIII.G.7, copy of the Decree of the Chairman of the Capital
Market and Financial Institutions Supervisory Agency No. Kep-347/BL/2012 dated 25 June 2012 concerning the presentation and disclosure of financial reports of issuers or public companies.
Hadi Wibowo Fachmy Ahmad
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 President Director Director
Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unmodified opinion in their report dated 14 February 2024.
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.2 ×10
unresolved
org
Bank Sistemik
p.2 ×2
unresolved
—
PSP
· Pemegang Saham Pengendali
p.2
unresolved
org
Sumitomo Mitsui Banking Corporation
p.2
unresolved
—
Komitmen dan kontinjensi
p.2
unresolved
person
H. Muhamad Faiz
p.2 ×2
unresolved
org
Bank Umum Syariah
p.2
unresolved
org
Pengawas Pasar Modal & Lembaga Keuangan
p.2
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja & Rekan
p.2
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja
p.2
unresolved
person
Novie
p.2
unresolved
org
Via Sumitomo Mitsui Banking Corporation
p.3
unresolved
org
Financial Services Authority
p.3 ×2
unresolved
org
Siddharta Widjaja & Partners
p.3
unresolved
person
Charge Novie
p.3
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