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Page 1
STATEMENTS OF FINANCIAL POSITION
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2025 and December 31, 2024
(In Millions of Rupiah)
March 31, 2025 December 31, 2024
No. DESCRIPTION
(Unaudited) (Audited)
ASSETS
1 Cash 2.773.038 2.105.620
2 Placements with Bank Indonesia 23.162.222 27.400.963
3 Placements with other banks 2.281.152 5.951.807
4 Spot and derivative receivables/forward - 102.843
5 Securities 55.729.533 57.339.639
6 Securities sold under repurchase agreements (Repo) 3.014.892 3.499.300
7 Securities purchased under resale agreements (Reverse Repo) 277.848 175.625
8 Acceptances receivables 636.935 941.898
9 Loans 316.849.340 314.080.105
10 Sharia financing 46.262.228 43.892.827
11 Investment in share - -
12 Others financials assets 12.543.210 11.712.851
13 Allowance for impairment on financial assets -/-
a Securities (15) (787)
b Loans and Sharia financing (12.488.626) (13.057.187)
c Others (1.944) (4.558)
14 Intangible assets 224.139 137.531
Accumulated amortisation for intangible assets -/- (22.342) (15.523)
15 Premises and equipment 14.304.834 14.059.957
Accumulated depreciation on premises and equipment -/- (5.024.685) (4.883.826)
16 Non earning assets
a Abandoned properties 1.410 1.410
b Repossessed assets 77.591 77.591
c Suspense account - -
d Inter office assets - -
17 Other assets 7.929.946 6.096.416
TOTAL ASSETS 468.530.706 469.614.502
LIABILITIES AND EQUITY
LIABILITIES
1 Demand deposits 151.670.947 160.847.953
2 Savings deposits 45.008.452 45.509.861
3 Time deposits 188.023.734 175.309.187
4 Electronic money - -
5 Fund from Bank Indonesia - -
6 Fund from other banks 111.498 104.745
7 Spot and derivative liabilities/forward - -
8 Securities sold under repurchase agreements (Repo) 2.956.629 3.409.426
9 Acceptances liabilities 636.935 941.898
10 Securities issued 5.405.109 5.444.524
11 Fund borrowings 34.754.380 39.813.189
12 Margin deposits received 9.694 9.604
13 Inter office liabilities - -
14 Other liabilities 6.415.904 5.652.226
15 Minority interest - -
TOTAL LIABILITIES 434.993.282 437.042.613
EQUITY
16 Share capital
a Authorised capital 10.239.216 10.239.216
b Unpaid-in capital -/- (3.221.994) (3.221.994)
c Treasury stock -/- - -
17 Additional Paid-in Capital
a Agio 4.418.900 4.418.900
b Disagio -/- - -
c Funds for paid-up capital - -
d Others - -
18 Other comprehensive income
a Gain 3.565.773 3.565.773
b Losses -/- (1.514.254) (1.576.079)
19 Reserve
a General reserve 4.621.242 4.621.242
b Appropriated reserve 840.476 840.476
20 Retained Earning
a Previous years 13.684.355 11.377.225
b Current year 903.710 3.007.328
c Paid Dividend -/- - (700.198)
33.537.424 32.571.889
TOTAL EQUITY ATTRIBUTABLE TO OWNER
33.537.424 32.571.889
TOTAL EQUITY
TOTAL LIABILITIES AND EQUITY 468.530.706 469.614.502
Page 2
STATEMENTS OF INCOME AND OTHER COMPREHENSIVE
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(In Millions of Rupiah)
March 31, 2025 March 31, 2024
No DESCRIPTION
(Unaudited) (Unaudited)
OPERATING INCOME AND EXPENSES
A. Interest Income and Expenses
1 Interest income 8.210.155 7.672.045
2 Interest expenses 4.432.195 4.444.916
Net interest income (Expenses) 3.777.960 3.227.129
B. Operating Income and Expenses Other than Interest
1 Gain (loss) from increase (decrease) in fair value of financial assets 164.470 110.203
2 Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
3 Gain (loss) from sale of financial assets 182.273 122.273
4 Gain (Loss) from spot and derivative transaction/forward (realised) (20.848) 22.838
5 Gain (Loss) from investment in shares under equity method - -
6 Gain (Losses) from foreign currencies translation 94.083 2.431
7 Dividend Income - -
8 Comissions/provisions/fees and administrative 359.925 366.359
9 Other income 229.913 337.358
10 Impairment for financial assets 970.536 616.125
11 Losses related to operational risk - -
12 Salaries and employee benefits 1.027.106 1.049.703
13 Promotion expenses 152.589 143.104
14 Other expenses 1.491.414 1.225.057
Other Operating Income (Expenses) (2.631.829) (2.072.527)
PROFIT (LOSS) FROM OPERATIONS 1.146.131 1.154.602
NON OPERATING INCOME AND EXPENSES
1 Gain (loss) from sale of premises and equipment 903 -
2 Other non operating income (expenses) (14.849) (23.512)
PROFIT (LOSS) FROM NON OPERATING (13.946) (23.512)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1.132.185 1.131.090
Income tax expenses
a Estimated current tax -/- - (452.616)
b Deferred tax income (expenses) (228.475) 181.720
PROFIT (LOSS) CURRENT PERIOD 903.710 860.194
PROFIT (LOSS) MINORITY INTEREST - -
OTHER COMPREHENSIVE INCOME
1 Unreclassified to profit (loss)
a Gain (loss) from revaluation of premises and equipment - -
b Gain (loss) from remeasurement on defined benefit plans 53.019 90.345
c Others (13.255) (22.586)
2 Reclassified to profit (loss)
a Gain (losses) from adjustments arising from translation of financial statement - -
b Gain (losses) from changes of financial assets on available for sale (41.527) (167.620)
c Others 63.588 28.575
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 61.825 (71.286)
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 965.535 788.908
Current Year Net Profit (Loss) Attributable to :
- Owner of Company 903.710 860.194
- Non Controlling Interest - -
TOTAL CURRENT YEAR NET PROFIT (LOSS) 903.710 860.194
Total Comprehensive Profit (Loss) For The Year Attributable to:
- Owner of Company 965.535 788.908
- Non Controlling Interest - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 965.535 788.908
TRANSFER PROFIT (LOSS) TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in rupiah) 64 61
Page 3
STATEMENTS OF COMMITMENTS AND CONTINGENCIES
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2025 and December 31, 2024
(In Millions of Rupiah)
March 31, 2025 December 31, 2024
No. DESCRIPTION
(Unaudited) (Audited)
I. COMMITMENT RECEIVABLES
1 Unused fund borrowings/financing facilities - -
2 Outstanding purchase position on spot and derivative/forward - 1.963.590
3 Others - -
II. COMMITMENT PAYABLES
1 Unused loan facilities granted to customer
a Committed 63.256 86.184
b Uncommitted 15.941.969 15.528.711
2 Outstanding irrevocable letters of credit 111.509 249.694
3 Outstanding sales position on spot and derivative/forward - 1.806.505
4 Others 14.516 14.353
III. CONTINGENT RECEIVABLES
1 Guarantees received 2.556.919 2.350.910
2 Others 13.318.800 9.209.022
IV. CONTINGENT PAYABLES
1 Guarantees issued 3.485.502 3.124.003
2 Others - -
Page 4
Statements of Assets’ Quality and Other Information
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(In Millions of Rupiah)
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
No DESCRIPTION March 31, 2025 (Unaudited) March 31, 2024 (Unaudited)
Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
I. RELATED PARTIES
1. Placements with other banks
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables - - - - - - - - - - - -
7. Loans and financing provided
a. Micro, Small and Medium loans (UMKM)
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
b. Non UMKM
i Rupiah 74.221 - - - - 74.221 80.961 90 - - - 81.051
ii Foreign currencies - - - - - - - - - - - -
c. Restructured loans
i Rupiah - - - - - - - - - - - -
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
Page 5
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
No DESCRIPTION March 31, 2025 (Unaudited) March 31, 2024 (Unaudited)
Current Special Mention Sub Standard Doubtful Loss Total Current Special Mention Sub Standard Doubtful Loss Total
II. NON RELATED PARTIES
1.
Placements with other banks
a. Rupiah 46.204 - - - - 46.204 188.276 - - - - 188.276
b. Foreign currencies 2.233.087 - - - 1.861 2.234.948 3.206.287 - - - 1.787 3.208.074
2. Spot and derivative receivables/ forward
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - 70.105 - - - - 70.105
3. Securities
a. Rupiah 43.966.040 39.925 4.194 6.409 54.811 44.071.379 42.787.026 55.552 4.391 6.623 49.260 42.902.852
b. Foreign currencies 11.658.154 - - - - 11.658.154 9.293.114 - - - - 9.293.114
4. Securities sold with agreement to repurchase (Repo)
a. Rupiah 3.014.892 - - - - 3.014.892 1.927.009 - - - - 1.927.009
b. Foreign currencies - - - - - - - - - - - -
5. Securities purchased with agreement to resell (Reverse Repo)
a. Rupiah 277.848 - - - - 277.848 - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 636.935 - - - - 636.935 1.332.520 - - - - 1.332.520
7. Loans and financing provided
a. Micro, Small and Medium loans (UMKM)
i Rupiah 7.167.006 138.327 33.224 48.678 696.504 8.083.739 6.890.398 124.580 17.828 46.129 883.519 7.962.454
ii Foreign currencies - - - - - - - - - - - -
b. Non UMKM
i Rupiah 303.870.177 37.728.087 1.052.851 1.956.968 8.150.197 352.758.280 293.009.417 31.242.686 740.654 947.684 7.694.856 333.635.297
ii Foreign currencies 2.195.328 - - - - 2.195.328 2.565.235 - - - - 2.565.235
c. Restructured loans
i Rupiah 23.935.669 24.948.836 625.508 1.197.174 5.615.764 56.322.951 32.574.262 18.178.898 457.593 566.737 5.659.150 57.436.640
ii Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - -
9 Other receivable - - - - - - - - - - - -
10 Commitments and contingencies
a. Rupiah 17.660.692 441.978 11.883 9.699 163.082 18.287.334 21.192.267 544.246 11.388 1.129 193.465 21.942.495
b. Foreign currencies 1.329.418 - - - - 1.329.418 1.289.178 - - - - 1.289.178
III. OTHER INFORMATION
1. Value of bank’s assets pledge as collateral:
a. To Bank Indonesia - -
b. To others - -
2. Repossessed assets 77.591 77.591
Page 6
Losses and Allowance for Asset Quality Assessment
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(In Millions of Rupiah)
March 31, 2025 (Unaudited) March 31, 2024 (Unaudited)
NO DESCRIPTION Required allowance for Required allowance for
Allowance for Impairment Allowance for Impairment
losses on earning assets losses on earning assets
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
1. Placements with other banks 10 - 1.862 22.793 1.861 41 - 1.787 30.775 1.787 1.991.154
2. Spot and derivative receivables/forward - - - - - - - - 701 -
3. Securities 15 - - 355.985 60.640 698 - - 268.370 56.008
4. Securities sold with agreement to repurchase (Repo) - - - 2.000 - - - - 11.000 -
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - -
6. Acceptances receivables 72 - - 6.369 - 6.829 - - 13.325 -
7. Loans and financing provided 2.218.026 3.409.345 6.861.255 3.100.429 10.746.420 2.507.193 3.346.682 9.933.171 3.238.769 8.710.758
8. Investments in shares - - - - - - - - - - -
9. Other receivable - - - - - - - - - -
10. Commitments and contingencies 32.813 - - 47.359 170.696 3.037 - - 42.202 196.001 66.468
Page 7
STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(in Millions of Rupiah)
March 31, 2025 March 31, 2024
CAPITAL COMPONENTS
(Unaudited) (Unaudited)
I CORE CAPITAL (TIER 1) 29.074.591 26.983.968
1 Common Equity Tier 1 (CET 1) 29.074.591 26.983.968
1.1 Paid-in Capital (net of Treasury Stock) 7.017.222 7.017.222
1.2 Disclosed Reserves 24.179.063 23.170.946
1.2.1 Additional Factor 27.193.980 24.143.136
1.2.1.1 Other comprehensive income 3.565.773 3.565.773
1.2.1.1.1 Excess differences arising from translation of financial statement - -
1.2.1.1.2 Potential gain due to increases of fair value of financial asset through other comprehensive income - -
1.2.1.1.3 Surplus of fixed assets revaluation 3.565.773 3.565.773
1.2.1.2 Other disclosed reserves 23.628.207 20.577.363
1.2.1.2.1 Agio 4.418.900 4.418.900
1.2.1.2.2 General reserves 4.621.242 4.621.242
1.2.1.2.3 Previous year profit 13.684.355 10.677.027
1.2.1.2.4 Current year profit 903.710 860.194
1.2.1.2.5 Funds for paid-in capital - -
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (3.014.917) (972.190)
1.2.2.1 Other comprehensive income (1.130.004) (893.189)
1.2.2.1.1 Negative differences arising from translation of financial statement - -
1.2.2.1.2 Potential losses due to decreases of fair value of financial asset through other comprehensive income (1.130.004) (893.189)
1.2.2.2 Other disclosed reserves (1.884.913) (79.001)
1.2.2.2.1 Disagio - -
1.2.2.2.2 Previous year loss - -
1.2.2.2.3 Current year loss - -
1.2.2.2.4 Negative difference in allowance for possible losses and allowance for impairment on earning assets (1.805.912) -
1.2.2.2.5 Negative difference in adjusment amounts from fair value of financial assets in trading book - -
1.2.2.2.6 Required allowance for non earning assets (79.001) (79.001)
1.2.2.2.7 Others - -
1.3 Non Controlling Interest - -
1.4 Deduction Factor of CET 1 (2.121.694) (3.204.200)
1.4.1 Deferred tax calculation (2.121.694) (3.204.200)
1.4.2 Goodwill - -
1.4.3 Other intangible assets - -
1.4.4 Investments in share - -
1.4.5 Shortfall of capital on insurance subsidiaries - -
1.4.6 Securitisation exposure - -
1.4.7 Other deduction of CET 1 - -
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2 to other bank - -
1.4.7.2 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - -
1.4.7.3 Exposure that give rise to credit risk due the settlement (settlement risk) - Non Delivery Versus Payment - -
1.4.7.4 Exposures in subsidiaries that to business activity based on sharia principle - -
2 Additional Tier 1 (AT 1) - -
2.1 Instrument which comply with AT 1 requirements - -
2.2 Agio / Disagio - -
2.3 Deduction Factor of AT 1 - -
2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - -
2.3.2 Cross ownership in another entity acquired by the transition due to law, grants or grants will - -
II SUPPLEMENTAL CAPITAL (TIER 2) 2.397.900 3.647.542
1 Capital instrument in the form of stock or other which comply with Tier 2 requirements 475.000 1.933.512
2 Agio/Disagio - -
3 General provision on earning assets (max. 1.25% credit risk - weighted assets) 1.922.900 1.714.030
4 Deduction supplemental capital - -
4.1 Sinking Fund - -
4.2 Placement of funds in instrumen Tier 2 to other bank - -
4.3 Cross-ownership in another entity acquired by the transition due to law, grants, or grants will - -
TOTAL CORE AND SUPPLEMENTAL CAPITAL 31.472.491 30.631.510
March 31, 2025 March 31, 2024 March 31, 2025 March 31, 2024
DESCRIPTIONS DESCRIPTIONS
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
RISK WEIGHTED ASSETS CAR RATIO
CREDIT RISK -WEIGHTED ASSETS 152.267.341 135.273.476 CET 1 Ratio (%) 16,40% 16,74%
MARKET RISK -WEIGHTED ASSETS 4.668.641 6.887.023 Tier 1 Ratio (%) 16,40% 16,74%
OPERATIONAL RISK - WEIGHTED ASSETS 20.388.527 19.055.594 Tier 2 Ratio (%) 1,35% 2,26%
TOTAL RISK WEIGHTED ASSETS 177.324.509 161.216.093 Capital Adequacy Ratio (%) 17,75% 19,00%
CAR BASED ON RISK PROFILE (%) 9,25% 9,18% CET 1 for Buffer (%) 8,50% 9,82%
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
From CET1 (%) 7,90% 6,92% Capital Conservation Buffer (%) 2,500% 2,500%
From AT1 (%) 0,00% 0,00% Countercyclical Buffer (%) 0,000% 0,000%
From Tier 2 (%) 1,35% 2,26% Capital Surcharge for Systemic Bank (%) 1,000% 1,000%
Page 8
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(in Millions of Rupiah)
March 31, 2025 March 31, 2024
DESCRIPTION
(Unaudited) (Unaudited)
CASH FLOWS FROM OPERATING ACTIVITIES
Interest, profit sharing, and margin 8.436.186 7.323.000
Recoveries from loan debts written-off 205.115 140.135
Interest and bonus, fees and commissions paid (4.558.155) (4.550.269)
Corporate income tax paid (215.115) (279.128)
Other operating expenses - net (2.440.659) (1.899.856)
Other non-operating expense - net 227.063 (20.305)
Cash receipts before changes in operating assets and liabilities 1.654.435 713.577
Changes in operating assets and liabilities:
Decrease (increase) in operating assets:
Fair value through profit or loss
securities 533.786 (10.866.722)
Fair value through profit or loss
government bonds 2.194.330 (2.351.593)
Acceptance Receivable 304.963 (787.953)
Derivative Receivable - (37.929)
Loans and sharia financing/receivables (6.676.215) (11.029.148)
Other assets (2.305.810) (1.979.270)
Increase (decrease) in operating liabilities:
Current liabilities 1.276.647 1.679.141
Deposits from customer
Demand deposits (11.262.564) (8.093.027)
Wadiah demand deposits 1.889.578 185.933
Savings deposits (1.088.297) (1.869.047)
Savings deposits Wadiah 51.611 51.918
Time deposits 13.303.235 16.468.623
Deposits from other banks (10.932) 4.043.501
Acceptance liabilities (304.963) 787.953
Other liabilities (207.961) (759.063)
Temporary syirkah funds (169.040) 821.471
Net Cash provided (used in) by Operating Activities (817.197) (13.021.635)
CASH FLOWS FROM INVESTING ACTIVITIES
Receipt (purchase) of amortized cost securities 332.527 71.293
Acquisitions of premises and equipment (193.474) (299.343)
Receipt (purchase) of amortized cost government bonds 400.194 (8.933)
Receipt (purchase) in fair value through other comprehensive income securities (2.198) (16.655)
(Purchase) receipt in fair value through other comprehensive income government bonds (1.228.073) 197.457
Placement of securities purchased under agreement to resell (102.223) -
Net Cash used in Investing Activities (793.247) (56.181)
CASH FLOWS FROM FINANCING ACTIVITIES
Payment of matured securities issued (39.745) (25.569)
Payments of dividends - (700.198)
Payment from fund borrowings (280.087) (223.064)
Proceeds from securities sold under repurchase agreements 28.427.367 1.869.536
Payments of matured securities sold under repurchase agreements (28.883.021) -
Payment of lease liabilities (27.548) (28.036)
Payment of subordinated borrowings (4.828.500) -
Net Cash Provided by (used in) Financing Activities (5.631.534) 892.669
Page 9
STATEMENT OF CASH FLOWS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(in Millions of Rupiah)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (7.241.978) (12.185.147)
CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 35.458.390 53.037.770
CASH AND CASH EQUIVALENTS AT END OF PERIOD 28.216.412 40.852.623
The details of cash and cash equivalents at end of period are as follows:
Cash 2.773.038 3.334.989
Current accounts with Bank Indonesia 9.548.771 17.941.737
Current accounts with other banks 2.281.091 2.920.639
Placements with Bank Indonesia and other banks - maturing within
three months or less since the acquisition date 13.613.512 16.655.258
Total of cash and cash equivalents 28.216.412 40.852.623
Page 10
CALCULATION OF FINANCIAL RATIOS
PT Bank Tabungan Negara (Persero) Tbk
For the Period Ended March 31, 2025 and 2024
(in %)
March 31, 2025 March 31, 2024
RATIOS (Unaudited) (Unaudited)
PERFORMANCE RATIOS
1. Capital Adequacy Ratio (CAR) 17,75% 19,00%
2. Non performing earning assets and non earning assets to total
2,76% 2,50%
earning assets and non earning assets
3. Non performing earning assets to total earning assets 2,74% 2,49%
4. Allowance for impairment on financial assets to earning 2,94% 3,92%
5. NPL gross 3,29% 3,00%
6. NPL net 1,95% 1,38%
7. Return on Asset (ROA) 0,98% 1,02%
8. Return on Equity (ROE) 12,49% 12,67%
9. Net Interest Margin (NIM) 3,61% 3,26%
10. Operating Expenses to Operating Income 87,60% 86,63%
11. Cost to Income Ratio (CIR) 53,62% 54,56%
12. Loan to Deposit Ratio (LDR) 94,39% 96,23%
COMPLIANCE
1. a. Percentage violation of Legal Lending Limit
i. Related parties 0,00% 0,00%
ii. Non - Related parties 0,00% 0,00%
b. Percentage of excess of the Legal Lending Limit
i. Related parties 0,00% 0,00%
ii. Non - Related parties 0,00% 0,00%
2. Reserve requirement
a. Primary reserve requirement Rupiah
1.) Conventional
- Daily 0,11% 0,05%
- Average 5,00% 5,45%
2.) Syariah 4,23% 6,20%
b. Reserve requirement Foreign currencies (Daily) 6,16% 6,34%
3. Net Open Position - Overall 3,02% 4,67%
Page 11
STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2025
(Unaudited)
(In Millions of Rupiah)
NOTIONAL Type Derivative Receivables & Payables
NO TRANSACTION
AMOUNT
Trading Hedging Receivables Payables
A. Exchange Rate Related
1. Spot - - - - -
2. Forward - - - - -
3. Option - - - - -
a. Written - - - - -
b. Purchased
4. Future - - - - -
5. Swap - - - - -
6. Others - - - - -
B. Interest Rate Related
1. Forward - - - - -
2. Option
a. Written - - - - -
b. Purchased - - - - -
3. Future - - - - -
4. Swap - - - - -
5. Others - - - - -
C. Others
TOTAL - - - - -
Page 12
PRIME LENDING RATE
PT Bank Tabungan Negara (Persero) Tbk
As of March 31, 2025
(% per annum)
Prime Lending Rate
Business Segment
Description
Non MSME Loan MSME Loan
Mortgage Non Mortgage
Corporate Retail Medium Small Micro
Prime Lending Rate 8,76% 8,90% 9,90% 10,48% 13,50% 8,04% 10,80%
Page 13
Notes :
1) Interim financial information as of March 31, 2025 and March 31, 2024 is unaudited. The financial information is taken from
the Financial Statements of PT Bank Tabungan Negara (Persero) Tbk as of December 31, 2024 and for the year then
ended, which were prepared by the Bank’s management in accordance with Indonesian Financial Accounting Standards.
These financial statements have been audited by the Public Accounting Firm Purwantono, Sungkoro & Surja ("PSS") (a
member firm of Ernst & Young Global Limited), with Christophorus Alvin Kossim as the engagement partner, an independent
auditor, in accordance with the Audit Standards established by the Indonesian Institute of Public Accountants, and received
an unmodified audit opinion, as stated in its report dated February 12, 2025 which is not included in this publication. Since
the financial information above is derived from the financial statements, it does not constitute a complete presentation of the
financial statements.
2) The above published Financial Statements are presented to comply with:
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019 regarding
“Transparency and Published Financial Statements of The Banks”
b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30, 2020 regarding
“Transparency and Published Financial Statements of The Commercial Banks”.
c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26, 2022 on Second
Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks” and
Financial Services Authority Regulation (POJK) Number 34/POJK.03/2016 Dated September 22, 2016 on Amendments
of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy Ratio for The Commercial Banks”.
d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022 regarding
“Submission of Periodic Financial Statements for Issuers or Public Companies”
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number VIII.G.7, Decision of
Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012 regarding “Presentation and Disclosure of
Periodic Financial Statements for Issuers or Public Companies”.
f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020 regarding Changes to
Published Financial Statements
3) Related Parties in the Statements of Assets' Quality and Other Information are presented in accordance with Bank
Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment of Financial Services
Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding the Amendment of Financial Services
Authority Regulation Number 32/POJK.03/2018 regarding The Legal Lending Limit and Provisions of Large Fund for
Commercial Banks.
4) Exchange rate of 1 US Dollar as at March 31, 2025 , December 31, 2024 and March, 31, 2024 were Rp. 16.560,00 , Rp.
16.095,00 dan Rp. 15.855,00 respectively.
5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary shares (residual
income) by the weighted average number of ordinary shares outstanding during the current year.
Page 14
Management of The Bank
Board of Commissioner
President Commissioner : Suryo Utomo *
Vice President Commissioner : Dwi Ary Purnomo *
Commissioner : Fahri Hamzah *
Independent Commissioner : Ida Nuryanti *
Independent Commissioner : Pietra Machreza Paloh *
Independent Commissioner : Panangian Simanungkalit *
Board of Directors
President Director : Nixon L.P. Napitupulu
Vice President Director : Oni Febriarto Rahardjo
Director of Risk Management : Setiyo Wibowo
Director of Consumer Banking : Hirwandi Gafar
Director of Finance & Strategy : Nofry Rony Poetra
Director of Human Capital & Compliance : Eko Waluyo
Director of Operations : I Nyoman Sugiri Yasa **
Director of Treasury & International Banking : Venda Yuniarti **
Director of Network & Retail Funding : Rully Setiawan **
Director of Corporate Banking : Helmy Afrisa Nugroho **
Director of Commercial Banking : Hermita **
Director of Information Technology : Tan Jacky Chen **
Sharia Supervisory Board
Chairman : M. Quraish Shihab
Member : Mohammad Bagus Teguh Perwira
Member : Muhammad Faiz
Shareholder
Ultimate Shareholder
- Republic of Indonesia : 60,00%
Non Ultimate Shareholder through Capital Market (≥ 5%) : Nil
Non Ultimate Shareholder through non Capital Market (≥ 5%) : Nil
* Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General
Meeting of Shareholders dated March 26, 2025 and is effective after receiving approval from the Financial Services Authority (OJK)
for the Fit & Proper Test and fulfilling statutory regulations.
** Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the Annual General Meeting of
Shareholders dated March 26, 2025 and is effective after receiving approval from the Financial Services Authority (OJK) for the Fit &
Proper Test and fulfilling statutory regulations.
Jakarta, April 24, 2025
S.E. & O
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
Board of Director
Nixon L.P. Napitupulu Nofry Rony Poetra
President Director Director of Finance & Strategy
Page 15
STATEMENT OF FINANCIAL POSITION
Sharia Business Unit PT Bank Tabungan Negara Tbk
As of March 31, 2025 and December 31, 2024
(In Millions of Rupiah)
March 31, 2025 December 31, 2024
NO DESCRIPTION
(Unaudited) (Audited)
ASET
1 Cash 114,448 117,279
2 Placement with Bank Indonesia 3,909,543 4,530,152
3 Placement with Other Bank 201 201
4 Investments in Marketable Securities 10,931,646 10,436,953
5 Receivable Financing 40,068,094 37,852,489
6 Revenue Sharing Financing 6,176,618 6,030,813
7 Ijarah Receivable 17,516 9,525
8 Other Productive Assets - -
9 Allowance for Impairment on Finansial Assets (1,309,981) (1,329,256)
10 Premisses and Equipment 55,155 40,574
11 Non Productive Assets - -
12 Other Assets 1,232,426 2,872,227
TOTAL ASET 61,195,666 60,560,957
LIABILITAS
1 Wadiah Deposits
a. Current Accounts 20,772,343 18,882,766
b. Saving Accounts 1,573,543 1,521,932
2 Temporary Syirkah Fund
a. Current Accounts 1,137,906 941,925
b. Saving Accounts 6,823,057 6,287,780
c. Time Deposits 21,089,870 21,987,804
3 Liabilities to Bank Indonesia - -
4 Liabilities to Other Bank 29,164 31,244
5 Securities Issued 369,676 377,269
6 Other Liabilities 4,734,416 5,193,194
7 Profit Sharing Deposits - -
8 Business Fund 4,467,224 4,468,824
9 Retained Earning
a. Other Comprehensive Income (5,051) (8,978)
b. Previous Year 4,794 4,794
c. Current Year 198,724 872,403
TOTAL LIABILITAS 61,195,666 60,560,957
Page 16
STATEMENT OF INCOME AND OTHER COMPREHENSIVE
Sharia Business Unit PT Bank Tabungan Negara Tbk
For the Period Ended March 31, 2025 and 2024
(In Millions of Rupiah)
March 31, 2025 March 31, 2024
NO DESCRIPTION
(Unaudited) (Unaudited)
OPERATING INCOME AND EXPENSES
A. Operating Income and Expenses
1. Revenue from Fund Management as Mudharib
a. Income from Receipable Financing 758,091 685,827
b. Income from Revenue Sharing Financing 124,888 92,352
c. Income from Revenue from Ijarah 221 40
d. Other Main Operating Income 178,747 211,489
2. Third Parties Share on Returns of Temporary Syirkah Funds (443,279) (439,942)
a. Non Profit Sharing (443,279) (439,942)
b. Profit Sharing - -
3. Revenue after Sharing Distribustion 618,668 549,766
B. Other Operating Income and Expenses
1 Gain (Loss) from foreign Currencies Transaction -
-
2 Income Bank as Mudharib from Revenue Sharing -
-
3 Comissions / Provisions / Fees and Administrative 32,648 24,253
4 Other Income -
-
5 Bonus on Wadiah Demand Deposite (66,417) (25,327)
6 Impairment for Financial Assets (145,135) (85,093)
7 Losses Related to Financial Assets -
-
8 Impairment for Other Financial Assets - (15,800)
9 Salaries and Employee Benefits (96,592) (81,920)
10 Other Expense (144,416) (201,777)
Other Operating Income (Expenses) (419,912) (385,664)
PROFIT AND LOSS FROM OPERATIONS 198,756 164,102
NON OPERATING INCOME AND EXPENSES
1. Gain (Loss) for Sales of Premises and Equipment - -
2. Other Non Operating Income (Expenses) (32) 30
PROFIT AND LOSS FROM NON OPERATIONS (32) 30
PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 198,724 164,132
Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 198,724 164,132
OTHER COMPREHENSIVE INCOME
1 Unreclasiffied to Profit (Loss) - -
2 Reclasiffied to Profit (Loss) 3,927 7,075
OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 3,927 7,075
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 202,651 171,207
Page 17
STATEMENT OF COMMITMENTS AND CONTIGENCIES
Sharia Business Unit PT Bank Tabungan Negara Tbk
As of March 31, 2025 and December 31, 2024
(In Millions of Rupiah)
March 31, 2025 December 31, 2024
NO DESCRIPTION
(Unaudited) (Audited)
1. COMMITMENT RECEIVABLES
1. Unused Fund Borrowing/Financing Fasilities - -
2. Outstanding Purchase Position on Spot and Derivative/forward - -
3. Others - -
2. COMMITMENT PAYABLES
1. Unused Loan Fasilities Granted to Customer 1,343,161 1,404,788
2. Outstanding Sales Position on Spot and Derivative/forward
3. Others
3. CONTIGENT RECEIVABLE
1. Guarantees Received - -
2. Income in Progress - -
3. Others 3,661,328 3,449,747
4. CONTIGENT PAYABLES
1. Guarantees Issued 166 166
2. Others - -
Page 18
REVENUE SHARING DISTRIBUTION
Sharia Business Unit PT Bank Tabungan Negara (Persero) Tbk
PERIOD March 31, 2025
in million Rp
Net Revenue Sharing
SHARE OF SHAHIBUL MAAL
COLLECTIVE TYPE AVERAGE INCOME THAT BONUS AND
NO.
BALANCE MUST BE DIVIDED RASIO REVENUE INDIKASI EQV.
SHARING
I Liabilities to Other Bank - - - - -
II Mudharabah Current Deposits
a. Bank - - - - -
b. Non Bank 1,008,404 7,423 10.85% 805 0.96%
III Mudharabah Saving Deposits
a. Bank 18,638 137 33.13% 46 2.93%
b. Non Bank 6,272,792 46,176 29.75% 13,739 2.63%
IV Mudharabah Time Deposits
a. Bank
1 Month - - - - -
3 Month - - - - -
6 Month 19 - 29.50% - 2.61%
12 Month - - - - -
b. Non Bank
1 Month 3,023,311 22,256 24.92% 5,546 2.20%
3 Month 8,238,068 60,643 29.50% 17,890 2.61%
6 Month 2,677,442 19,709 29.50% 5,814 2.61%
12 Month 85,100 626 29.50% 185 2.61%
V Fund Borrowings 4,160,936 35,874 43.01% 15,430 4.45%
TOTAL 25,484,710 192,844 59,455
NO. TYPE OF DISBURSEMENT AVERAGE BALANCE INCOME RECEIVED
I Placement with Other Bank - -
II Murabahah Receivable
a. Bank - -
b. Non Bank 9,051,972 151,455
III Istishna Receivable
a. Bank - -
b. Non Bank 407,213 37,938
IV Multi-Service Receivable
a. Bank - -
b. Non Bank 20,891 150
V Rahn Financing
a. Bank - -
b. Non Bank - -
VI Mudharabah Financing
a. Bank - -
b. Non Bank 58,081 -
VII Musyarakah Financing
a. Bank - -
b. Non Bank 5,851,886 40,904
VIII Ijarah Receivable
a. Bank - -
b. Non Bank - 323
IX Other Financing
a. Bank - -
b. Non Bank - 26
TOTAL 15,390,043 230,796
Page 19
Financial Ratios
Sharia Business Unit PT Bank Tabungan Negara Tbk
For the Period Ended March 31, 2025 and 2024
March 31, 2025 March 31, 2024
NO ratio
(Unaudited) (Unaudited)
1 Total Assets Sharia Unit to Total Assets Consolidation 13.06% 12.08%
2. Non Performing Productive Assets to Total Productive Assets 2.27% 2.24%
3. Allowance for Impairment on Productive Assets to Total Productive Assets 2.29% 2.91%
4. Gross NPF 2.81% 2.84%
5. Nett NPF 0.56% 0.50%
6. Return On Assets (ROA) 1.31% 1.20%
7. Financing Revenue Sharing to Total Financing 13.35% 11.77%
8 Financing to Deposit Ratio (FDR) 90.01% 91.32%
Page 20
Catatan :
Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
“Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
Jakarta, April 24, 2025
PT Bank Tabungan Negara (Persero) Tbk
Sharia Business Unit
M. Quraish Shihab Hirwandi Gafar
Sharia Supervisory Board Director of Consumer
Names mentioned 23 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
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Young Global Limited
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Financial Services Authority
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Bapepam-LK
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Bank Indonesia Regulation
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