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Publikasi Lap Keu Triwulanan Des 2024 (EN).pdf
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CONSOLIDATED FINANCIAL STATEMENTS
PT Bank SMBC Indonesia Tbk and Subsidiaries
31 DECEMBER 2024 AND 2023
(In Million Rupiah)
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF PROFIT LOSS AND OTHER COMPREHENSIVE INCOME EARNING ASSETS QUALITY AND OTHER INFORMATION
As of 31 December 2024 and 2023 For the periods ended on 31 December 2024 and 2023 As of 31 December 2024 and 2023
( 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 31 Dec 2024 31 Dec 2023
No. ACCOUNTS 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023
No. ACCOUNTS Audited Audited
Audited Audited Audited Audited Audited Audited Audited Audited
Special Special
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
AS S E T Mention Mention
1. Cash 777,352 931,530 1,379,647 1,428,683 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 17,961,837 17,236,809 19,631,166 18,000,252 1. Interest Income 14,280,399 13,075,311 23,620,625 18,821,492 1. Placements with other banks 525,792 - - - - 525,792 462,061 - - - - 462,061
3. Placements with other banks 2,973,145 958,732 3,542,001 1,200,387 2. Interest Expenses (7,042,645) (6,285,177) (8,380,368) (6,772,370) a. Rupiah - - - - - - - - - - - -
4. Spot and derivative / forward receivables 1,417,452 1,133,149 1,748,125 1,133,149 Net In terest In com e 7,237,754 6,790,134 15,240,257 12,049,122 b. Foreign currencies 525,792 - - - - 525,792 462,061 - - - - 462,061
5. Securities 19,332,166 8,547,321 27,981,308 17,038,501 2. Spot and derivative receivables 397,185 - - - - 397,185 496,225 - - - - 496,225
B. O th er O p eratin g In com e an d E xp en ses
6. Securities sold under repurchase agreements (repo) - - - - a. Rupiah - - - - - - - - - - - -
1. Gain (Loss) from increase (decrease) in fair value of financial 29,673 (228,961) (1,259) (228,961)
7. Claims from securities purchased under resale 468,188 - 468,188 - assets b. Foreign currencies 397,185 - - - - 397,185 496,225 - - - - 496,225
agreements (reverse repo) 2. Gain (Loss) from increase (decrease) in fair value of financial - - - - 3. Securities 200,000 - - - - 200,000 - - - - - -
8. Acceptance receivables 3,334,619 3,289,757 3,334,619 3,289,757 liabilities a. Rupiah 200,000 - - - - 200,000 - - - - - -
9. Loans 145,938,051 145,173,436 169,232,858 145,173,436 3. Gain (Loss) from sale of financial assets 38,423 58,512 38,423 58,512 b. Foreign currencies - - - - - - - - - - - -
10. Sharia financing/receivables - - 10,171,759 11,387,861 4. Gain (Loss) from spot and derivative / forward transactions 351,302 1,032,561 351,302 1,032,561 4. Securities sold under repurchase - - - - - - - - - - - -
(realised) agreements (Repo)
11. Equity Investments 7,859,227 1,308,484 75,285 102,586
5. Gain (Loss) from investment under equity method - - - - a. Rupiah - - - - - - - - - - - -
12. Other financial asset 1,046,024 1,121,451 1,218,012 1,361,853
b. Foreign currencies - - - - - - - - - - - -
13. Impairment on financial assets -/- (3,016,696) (3,413,725) (5,911,900) (4,627,641) 6. Gain (Loss) from foreign exchange translation 167,415 (152,333) 159,830 (152,333)
5. Claims on securities purchased under - - - - - - - - - - - -
a. Securities (593) (799) (593) (799) 7. Dividend revenue 422,706 498,815 3 1 resale agreements (Reverse Repo)
b. Loans and Sharia financing (2,998,406) (3,404,131) (5,893,610) (4,618,047) 8. Commissions/provisions/fees and administration 1,033,352 822,113 1,328,668 823,453 a. Rupiah - - - - - - - - - - - -
c. Others (17,697) (8,795) (17,697) (8,795) 9. Other income 400,109 473,302 978,700 532,912 b. Foreign currencies - - - - - - - - - - - -
14. Intangible assets 3,204,551 3,096,432 6,195,729 3,541,155 6. Acceptance receivables - - - - - - - - - - - -
10. Impairment losses on financial assets (1,120,670) (1,118,558) (3,897,140) (3,016,675)
Accumulated amortization of intangible assets -/- (2,445,641) (2,278,908) (3,386,613) (2,451,771) 7. Loans
11. Losses related to operational risks (11,829) (11,771) (19,185) (19,193)
15. Fixed assets and equipment 3,893,607 3,958,107 6,058,147 5,040,250 a. Micro, Small and Medium - - - - - - - - - - - -
Accumulated depreciation on fixed assets and (2,300,746) (2,286,537) (3,773,725) (2,992,438) 12. Personnel expenses (2,498,807) (2,395,212) (4,851,481) (3,757,617) Enterprises (UMKM)
equipment -/- 13. Promotion expenses (240,939) (268,287) (297,447) (278,020) i. Rupiah - - - - - - - - - - - -
16. Non-productive assets 54,523 79,120 161,400 79,120 14. Other expenses (3,074,955) (2,919,534) (4,583,986) (3,581,835) ii. Foreign currencies - - - - - - - - - - - -
a. Abandoned properties - 21,099 - 21,099 b. Non-Micro, Small and Medium 6,575,590 - - - - 6,575,590 3,773,364 - - - - 3,773,364
Net O th er O p eratin g ( E xp en ses) In com e ( 4,504,220) ( 4,209,353) ( 10,793,572) ( 8,587,195) Enterprises (Non-UMKM)
b. Foreclosed assets 54,523 58,021 161,400 58,021
i. Rupiah 219,043 - - - - 219,043 79,043 - - - - 79,043
c. Suspense accounts - - - - NE T O P E RAT ING INCO M E ( E X P E NS E S ) 2,733,534 2,580,781 4,446,685 3,461,927
ii. Foreign currencies 6,356,547 - - - - 6,356,547 3,694,321 - - - - 3,694,321
d. Interbranch assets - - - -
NO N- O P E RAT ING INCO M E AND E X P E NS E S c. Restructured loans - - - - - - - - - - - -
17. Other assets 2,045,782 2,386,178 2,970,421 2,743,252
1. Gain (Loss) from sale of fixed assets and equipments 640 (6,963) 11,739 (5,370) i. Rupiah - - - - - - - - - - - -
T O T AL AS S E T 202,543,441 181,241,336 241,096,427 201,448,392 ii. Foreign currencies - - - - - - - - - - - -
2. Other non-operating income (expenses) 6,607 2,785 (337,951) 1,125
L IA B IL IT IE S A N D E Q U IT Y 8. Equity Investment 7,859,205 - - - - 7,859,205 1,308,462 - - - - 1,308,462
L IA B IL IT IE S NE T NO N O P E RAT ING INCO M E ( E X P E NS E S ) 7,247 ( 4,178) ( 326,212) ( 4,245) 9. Other receivables 1,727 - - - - 1,727 4,978 - - - - 4,978
1. Demand deposits 25,586,525 26,604,674 25,585,492 26,628,683 P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 10. Commitment and contingencies 4,858,736 - - - - 4,858,736 4,331,821 - - - - 4,331,821
2,740,781 2,576,603 4,120,473 3,457,682
2. Saving deposits 16,909,498 14,470,875 20,004,408 17,558,817 BE F O RE T AX a. Rupiah 390,545 - - - - 390,545 102,698 - - - - 102,698
Income T ax: (510,511) (475,892) (904,233) (775,198) b. Foreign currencies 4,468,191 - - - - 4,468,191 4,229,123 - - - - 4,229,123
3. T ime deposits 67,926,531 54,980,210 75,727,911 64,011,076
4. Electronic money - - - - a. Estimated current period tax (204,366) (515,875) (496,210) (927,343) II. NO N- RE L AT E D P ART IE S
5. Liabilities to Bank Indonesia - - - - b. Deferred tax income (expenses) (306,145) 39,983 (408,023) 152,145 1. Placements with other banks 2,447,353 - - - - 2,447,353 496,671 - - - - 496,671
6. Liabilities to other banks 760,624 10,818,444 757,714 10,814,638 a. Rupiah 2,277,194 - - - - 2,277,194 114,534 - - - - 114,534
NE T P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 2,230,270 2,100,711 3,216,240 2,682,484
7. Spot and derivative / forward liabilities 1,320,897 1,072,104 1,558,841 1,072,104 b. Foreign currencies 170,159 - - - - 170,159 382,137 - - - - 382,137
M INO RIT Y INT E RE S T P RO F IT ( L O S S ) 403,254 324,150 2. Spot and derivative receivables 1,019,266 1,001 - - - 1,020,267 634,476 2,448 - - - 636,924
8. Securities sold under repurchase agreements (repo) - - - -
a. Rupiah 934,429 125 - - - 934,554 488,501 - - - - 488,501
9. Acceptance liabilities 3,162,381 2,323,633 3,162,381 2,323,633 O T HE R CO M P RE HE NS IV E INCO M E
b. Foreign currencies 84,837 876 - - - 85,713 145,975 2,448 - - - 148,423
10. Securities issued 1,742,884 200,569 2,939,924 200,569
1. Item s th at are n ot b ein g reclassif ied to P rof it L oss 13,011 8,344 49,440 7,714 3. Securities 19,132,166 - - - - 19,132,166 8,547,321 - - - - 8,547,321
11. Borrowings 40,516,139 34,283,897 52,632,885 34,283,897
a. Gain from fixed assets revaluation - 79,772 7,814 79,772 a. Rupiah 18,177,458 - - - - 18,177,458 7,588,389 - - - - 7,588,389
12. Margin deposits - - - -
b. Gain (Loss) from remeasurement benefecial pension 13,011 (71,428) 41,626 (72,058) b. Foreign currencies 954,708 - - - - 954,708 958,932 - - - - 958,932
13. Interbranch liabilities - - - -
program 4. Securities sold under repurchase - - - - - - - - - - - -
14. Other liabilities 2,403,078 2,756,110 3,980,832 3,271,871 c. Others - - - -
agreements (Repo)
15. Minority Interest 6,978,665 2,616,678 2. Item s th at are b ein g reclassif ied to P rof it L oss 9,606 10,554 25,316 10,634 a. Rupiah - - - - - - - - - - - -
T O T A L L IA B IL IT Y 160,328,557 147,510,516 193,329,053 162,781,966 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 9,606 10,554 9,798 10,634 5. Claims on securities purchased under 468,188 - - - - 468,188 - - - - - -
on liability instrument which measured by fair value from resale agreements (Reverse Repo)
16. Issued and fully paid-in capital 212,919 161,136 212,919 161,136
other comprehensive income a. Rupiah 468,188 - - - - 468,188 - - - - - -
a. Authorized capital 300,000 300,000 300,000 300,000
c. Others - - 15,518 - b. Foreign currencies - - - - - - - - - - - -
b. Unpaid capital -/- (87,081) (137,018) (87,081) (137,018)
6. Acceptance receivables 3,334,619 - - - - 3,334,619 3,289,757 - - - - 3,289,757
c. T reasury stock -/- - (1,846) - (1,846) O T HE R CO M P RE HE NS IV E INCO M E F O R T HE
7. Loans
22,617 18,898 74,756 18,348
17. Additional paid-in capital 17,826,728 11,175,667 17,798,165 11,145,923 CURRE NT P E RIO D - AF T E R O F T AX
a. Micro, Small and Medium 9,627,213 385,843 45,787 43,603 510,055 10,612,501 5,580,706 108,602 30,499 25,545 346,463 6,091,815
a. Agio 17,565,927 10,914,866 17,561,631 10,909,389 T O T AL CURRE NT CO M P RE HE NS IV E P RO F IT Enterprises (UMKM)
2,252,887 2,119,609 3,290,996 2,700,832
b. Disagio -/- - - - - (LOS S ) i. Rupiah 9,626,911 385,843 45,787 43,603 510,055 10,612,199 5,580,706 108,602 30,499 25,545 346,463 6,091,815
c. Fund for paid up capital - - - - ii. Foreign currencies 302 - - - - 302 - - - - - -
Net in com e of th e cu rren t p eriod attrib u tab le to: b. Non-Micro, Small and Medium 120,831,453 6,512,067 183,729 167,451 1,055,260 128,749,960 127,666,500 6,282,212 174,542 75,065 1,109,938 135,308,257
d. Others 260,801 260,801 236,534 236,534
18. Other comprehensive income 863,725 860,288 1,059,210 886,452 - Owners of T he Parent 2,230,270 2,100,711 2,812,986 2,358,334 Enterprises (Non-UMKM)
i. Rupiah 79,974,558 5,601,459 95,206 167,451 1,055,260 86,893,934 85,602,181 5,399,786 66,763 75,065 1,109,938 92,253,733
a. Profit 943,788 953,361 1,139,273 979,525 - Non Controlling Interest 403,254 324,150
ii. Foreign currencies 40,856,895 910,608 88,523 - - 41,856,026 42,064,319 882,426 107,779 - - 43,054,524
b. Loss -/- (80,063) (93,073) (80,063) (93,073) NET PROFIT (LOSS) FOR T HE CURRENT PERIOD 2,230,270 2,100,711 3,216,240 2,682,484 c. Restructured loans 602,421 3,593,768 6,731 8,745 959,746 5,171,411 1,121,611 2,591,611 16,861 13,524 1,119,941 4,863,548
19. Reserves 42,953 32,596 42,953 32,596
T otal cu rren t com p reh en sive P rof it ( L oss) attrib u tab le i. Rupiah 602,421 3,593,768 6,731 8,745 959,746 5,171,411 1,121,611 2,591,611 16,861 13,524 1,119,941 4,863,548
a. General reserves 42,953 32,596 42,953 32,596 to : ii. Foreign currencies - - - - - - - - - - - -
b. Appropriate reserves - - - - - Owners of T he Parent 2,252,887 2,119,609 2,868,590 2,376,847 8. Equity Investment 22 - - - - 22 22 - - - - 22
20. Profit/loss 23,268,559 21,501,133 28,654,127 26,440,319
- Non Controlling Interest 422,406 323,985 9. Other receivables 259,419 - - - - 259,419 30,545 - - - - 30,545
a. Previous years 21,509,956 20,019,562 26,312,808 24,701,125
10. Commitment and contingencies 140,152,043 2,047,332 - - - 142,199,375 116,245,727 1,378,716 - - - 117,624,443
b. Current year 2,230,270 2,100,711 2,812,986 2,358,334 T OT AL CURRENT COMPREHENSIVE PROFIT (LOSS) 2,252,887 2,119,609 3,290,996 2,700,832 a. Rupiah 63,281,807 1,035,500 - - - 64,317,307 55,817,198 790,094 - - - 56,607,292
c. Payable dividend -/- (471,667) (619,140) (471,667) (619,140) b. Foreign currencies 76,870,236 1,011,832 - - - 77,882,068 60,428,529 588,622 - - - 61,017,151
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 471,667 619,140 683,983 619,140
42,214,884 33,730,820 47,767,374 38,666,426 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 42,214,884 33,730,820 47,767,374 38,666,426 - Basic 221 261 279 293
b. T o other parties - -
T O T A L L IA B IL IT Y A N D E Q U IT Y 202,543,441 181,241,336 241,096,427 201,448,392 - Diluted 221 261 279 293 2. Foreclosed assets 54,523 58,021
ALLOWANCE FOR IMPAIRMENT LOSSES CAPITAL ADEQUACY RATIO
As of 31 December 2024 and 2023
As of 31 December 2024 and 2023 ( 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 Dec 2024 31 Dec 2023
INDIVIDUAL ACCOUNTS Audited Audited
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
31 Dec 2024 31 Dec 2023
I. C ore C ap i tal ( T i er 1) 32, 641, 997 44, 187, 414 31, 015, 970 36, 613, 893
Audited Audited 1. C om m on E q u i ty T i er 1 ( C E T 1) 32, 641, 997 44, 187, 414 31, 015, 970 36, 613, 893
No. ACCOUNTS
1. 1 P ai d i n cap i tal ( l ess T reasu ry stock) 212, 919 212, 919 161, 136 161, 136
Allowance for Impairment Required Provision Allowance for Impairment Required Provision 1. 2 D i scl osed reserves 41, 153, 729 47, 206, 777 33, 399, 879 38, 337, 357
1.2.1 Additional Factor 41,821,227 47,211,872 33,401,956 38,339,434
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1.2.1.1 Other comprehensive income 943,788 953,161 953,361 957,130
1. Placemen ts with oth er b an ks 619 - - 29,731 - 158 - - 9,587 - 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 - - - 14,042 50 - - - 11,307 122 1.2.1.1.2 Potential gain of the increase in the f air value of f inancial assets available f or sale 12,410 12,646 2,804 2,906
1.2.1.1.3 Fixed asset revaluation 931,378 940,515 950,557 954,224
3. Secu rities 593 - - 13,928 - 703 96 - 10,858 -
1.2.1.2 Other disclosed reserves 40,877,439 46,258,711 32,448,595 37,382,304
4. Secu rities sold u n d er rep u rch ase ag reemen ts - - - - - - - - - - 1.2.1.2.1 Agio 17,565,927 17,561,631 10,914,866 10,909,389
(Rep o) 1.2.1.2.2 General reserves 42,953 42,953 32,596 32,596
5. Claims on secu rities p u rch ased u n d er resale - - - 4,682 - - - - - - 1.2.1.2.3 Previous years prof it 21,038,289 25,841,141 19,400,422 24,081,985
ag reemen ts (Reverse Rep o) 1.2.1.2.4 Current year prof it 2,230,270 2,812,986 2,100,711 2,358,334
1.2.1.2.5 Capital paid in advance - - - -
6. Accep tan ce receivab les 2,204 14,774 - 15,975 - 2,072 6,565 - 32,897 -
1.2.1.2.6 Others - - - -
7. L oan s an d f in an cin g 666,981 281,217 2,050,208 1,366,361 2,037,864 631,482 168,947 2,603,702 1,366,741 1,852,552 1.2.2 Deduction Factor (667,498) (5,095) (2,077) (2,077)
8. Eq u ity In vestmen ts - - - 78,592 - - - - 13,085 - 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 100 - - 2,597 - - - - 355 -
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 28,681 14,585 - 56,238 102,305 29,446 23,544 - 61,263 68,844 1.2.2.2 Other disclosed reserve (667,498) (5,095) (2,077) (2,077)
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 December 2024 dan 2023
For the periods ended on 31 December 2024 and 2023 1.2.2.2.4 Dif f erences between required provision and allowance f or impairment losses of earning assets (662,403) - - -
31 Dec 2024 31 Dec 2023
RATIOS (%)
Audited Audited
( In m illion R u 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) (2,077) (2,077)
P erf orm an ce R ati os 31 Dec 2024 31 Dec 2023 1.2.2.2.7 Others - - - -
1. Capital Adequacy Ratio (CAR) 27.99% 27.52% ACCOUNTS
Audited Audited 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-perf orming earning assets and non-earning assets to total 0.60% 0.61% 1. 4 D ed u cti on f actor to com m on eq u i ty ti er 1 ( C E T 1) - - - -
earning assets and non-earning assets C A S H F L O W S F R O M O P E R A T IN G A C T IV IT IE S 1.4.1 Def erred tax calculation ( 8, 724, 651) ( 3, 232, 282) ( 2, 545, 045) ( 1, 884, 600)
3. Non-perf orming earning assets to total earning assets 0.59% 0.61% Receipt from interest 18,490,546 12,876,098 1.4.2 Goodwill (129,036) (370,403) (441,560) (715,152)
4. Allowance f or impairment losses on f inancial assets to earning 1.58% 2.02% 1.4.3 Other intangible assets - (1,098,208) - (61,116)
assets Receipt from sharia income 5,466,791 5,709,497
1.4.4 Investment that can be calculated as deduction f actor (758,910) (1,710,908) (817,524) (1,028,268)
5. NPL gross 1.38% 1.23% Payments of interest expense (8,199,894) (7,016,441) 1.4.5 Shortage of capital on insurance subsidiary company (7,836,705) (52,763) (1,285,961) (80,064)
6. NPL net 0.45% 0.41% 1.4.6 Securitization exposures - - - -
7. Return on Asset (ROA) 1.41% 1.44%
Payments of sharia expenses (507,230) (483,478)
1.4.7 Other deduction f actor to common equity tier 1 - - - -
8. Return on Equity (ROE) 7.02% 6.95% Receipt from other operating income 2,815,370 1,713,128 1.4.7.1 Placement of f unds in instruments AT 1 and / or T ier 2 other banks - - - -
9. Net Interest Margin (NIM) 4.09% 4.07% Recovery from written-off loans 293,357 429,855 1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
10. Operating Expenses to Operating Revenues 83.65% 83.83% 1.4.7.3 Exposure that causing Credit Risk due to settlement risk - Non Delivery Versus Payment - - - -
Payments of personnel expenses (4,857,185) (3,675,151)
11. Cost to Income Ratio (CIR) 60.19% 58.30% 1.4.7.4 Exposure in child company which held sharia principle - - - -
12. Loan to Deposit Ratio (LDR) 131.24% 148.86% Payments of other operating expenses (6,598,078) (2,541,605) 2 A d d i ti on al T i er 1 ( A T 1) - - - -
C om p l i an ce R ati os Other payments 36,433 6,649 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 - - - -
2. 2 A g i o / D i sag i o - - - -
1. a. Percentage Violation of Legal Lending Limit
Payments of corporate income tax (890,297) (889,965) 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 parties 0.00% 0.00%
ii. Non-related parties 0.00% 0.00% C ash 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 - - - -
6,049,813 6,128,587 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
b. Percentage Lending in Excess of the Legal Lending Limit 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, 734, 951 4, 995, 432 4, 436, 444 4, 543, 487
i. Related parties 0.00% 0.00% C h 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 3,219,000 3,219,000 2,976,753 2,976,753
ii. Non-related parties 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. Statutory Reserves Requirements 1.2 Subordinated bonds (perpetual cumulative, non perpetual), af ter buy back deduction - - - -
a. Rupiah 6.91% 8.30%
( In crease) d ecrease in op eratin g assets:
1.3 Subordinated loan (perpetual cumulative, non perpetual), af ter buy back deduction 3,219,000 3,219,000 3,079,400 3,079,400
- Daily 0.00% 0.00% Derivative receivables (259,166) 613,675 1.4 Mandatory convertible bond - - - -
- Average 6.91% 8.30%
b. Foreign Currencies 4.02% 4.02%
Acceptance receivables (44,862) (219,903) 1.5 T ier 2 published by bank and non bank which acquired by other party (consolidated) - - - -
1.6 Amortization based on remaining maturity - - 102,647 102,647
3. Net Open Posisition 1.35% 0.52% Loans 3,859,784 (11,142,017) 2 Agio/Disagio - - - -
Sharia financing/receivables (458,285) (1,361,808) 3 General required provision of earning assets (maximum 1.25% of RW A) 1,515,951 1,776,432 1,459,691 1,566,734
SPOT AND DERIVATIVE / FORWARD TRANSACTIONS Financing receivables (2,436,082) - 4 Deduction f actor to supplementary capital - - - -
As of 31 December 2024 4.1 Sinking Fund - - - -
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 - - - -
( In m illion R u p iah )
Obligations due immediately (22,708) 12,561 4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
INDIVIDUAL T O T AL CAP IT AL 37, 376, 948 49, 182, 846 35, 452, 414 41, 157, 380
Deposits from customers 13,440,703 (6,745,531)
Derivative Receivables 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023
No. TRANSACTION Notional Objective Deposits from other banks (10,056,924) 10,648,507
and Payables Audited Audited DESCRIPTION Audited Audited
Amount Derivative payables 240,216 (375,632) INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
Trading Hedging Receivables Payables
RIS K W E IG HT E D AS S E T ( RW A) CAR RAT IO
R elated to Acceptance payables 838,748 (33,195)
A. 40,894,054 1,898,747 38,995,307 265,218 250,866 RW A CRE DIT RIS K 121, 209, 907 151, 246, 559 116, 728, 894 125, 294, 554 C E T 1 R ati o ( % ) 24. 44% 26. 97% 24. 08% 26. 60%
E xch an g e R ate In crease in tem p orary syirkah f u n d s (321,468) 77,559 RW A M ARKE T RIS K 1, 850, 461 1, 850, 461 1, 856, 501 1, 856, 501 T i er 1 R ati o ( % ) 24. 44% 26. 97% 24. 08% 26. 60%
1 Spot 2,272,478 1,898,747 373,731 4,493 5,379 N et cash f lows ( u sed in ) p rovid ed f rom op eratin g RW A O P E RAT IO NAL RIS K 10, 491, 515 10, 729, 480 10, 225, 433 10, 500, 842 T i er 2 R ati o( % ) 3. 55% 3. 05% 3. 44% 3. 30%
2 Forward 5,870,993 - 5,870,993 39,534 44,870 10,829,769 ( 2,397,197) T O T AL RW A 133, 551, 883 163, 826, 500 128, 810, 828 137, 651, 897 C A R R ati o ( % ) 27. 99% 30. 02% 27. 52% 29. 90%
activities
CAR RAT IO BAS E D O N RIS K P RO F IL E ( %) 9. 20% 9. 18% 9. 21% 9. 21% C E T 1 f or B U F F E R (%) 18. 44% 20. 84% 18. 08% 20. 60%
3 Option - - - - -
C A S H F L O W S F R O M IN V E S T IN G A C T 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 - - - - -
F rom C E T 1 ( % ) 6. 00% 6. 13% 6. 00% 6. 00% C ap i tal C on servati on B u f f er ( % ) 2. 50% 2. 50% 2. 50% 2. 50%
b. Call - - - - - Purchase of securities (28,008,140) (10,501,020)
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 17,302,756 11,544,675 F rom T i er 2 (%) 3. 20% 3. 05% 3. 21% 3. 21% 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 32,750,583 - 32,750,583 221,191 200,617 Purchases of fixed assets (228,206) (215,390) B an k ( % )
6 Others - - - - -
Acquisition of right-of-use asset (18,040) (3,542)
R elated to
B.
In terest R ate
9,477,700 - 9,477,700 369,246 347,458 Acquisition of intangible assets (334,594) (436,590) MANAGEMENT SHAREHOLDERS
1 Forward - - - - - Proceeds from sale of fixed assets 41,720 5,877
2 Option - - - - - Acquisition of subsidiaries, net of cash acquired (5,519,887) - As of 31 December 2024 As of 3 1 De c e mbe r 2 0 2 4
a. Put - - - - -
b. Call - - - - - N et cash f lows p rovid ed f rom ( u sed in ) in vestin g activities (16,764,391) 394,010
3
4
Future
Swap
-
9,477,700
-
-
-
9,477,700
-
369,246
-
347,458
C A S H F L O W S F R O M F IN A N C IN G A C T IV IT IE S BOARD OF COMMISSIONERS Ultima te Sha re holde r:
5 Others - - - - - Settlement of securities issued (681,000) -
C. O th ers 31,358,428 - 31,358,428 782,988 722,573
Proceeds from securities issued
Securities issued emission fee
2,451,475
(10,797) -
-
- President Commissioner : Chow Ying Hoong Ultimate Shareholder : Sumitomo Mitsui Financial Group
T O T AL 81,730,182 1,898,747 79,831,435 1,417,452 1,320,897
Proceeds from borrowings 14,020,604 27,232,047 - Commissioner : Takeshi Kimoto through Sumitomo Mitsui Banking Corporation : 91.05%
STATEMENTS OF COMMITMENT AND CONTIGENCIES Installment payments and settlement of borrowings (13,100,624) (40,171,851)
As of 31 December 2024 and 2023
Proceed from Right Issues 6,731,742 - - Independent Commissioner : Ninik Herlani Masli Ridhwan Non- c ontrolling sha re holde r through c a pita l ma rke t ( ≥ 5 %) :
( In million Rupiah) Rights Issues emission fee (28,898) -
INDIVIDUAL CONSOLIDATED
Sales of treasury shares to public 1,218 2,108 - Independent Commissioner : Onny Widjanarko None
Payments of dividend (683,958) (832,860)
No. ACCOUNTS 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023
Payment of lease liabilities principals (74,885) (116,558) - Independent Commissioner : Edmund Tondobala Non- c ontrolling sha re holde r not through c a pita l ma rke t ( ≥ 5 %) :
Audited Audited Audited Audited
I. CO M M IT M E NT RE CE IV ABLE S 82,050,321 80,982,245 120,035,122 80,982,245
N et cash f lows p rovid ed f rom f in an cin g activities 8,624,877 ( 13,887,114)
- Commissioner : Ongki Wanadjati Dana
1. Unused borrowing facilities 35,891,850 40,326,914 57,059,508 40,326,914 N E T IN C R E A S E IN C A S H A N D C A S H E Q U IV A L E N T S 2,690,255 ( 15,890,301)
*)
None
2. Outstanding spot and derivative/ 46,158,471 40,655,331 62,975,614 40,655,331 E FFE CT O F E X CHANG E RAT E CHANG E S O N CAS H AND
4,759 ( 14,462)
- Independent Commissioner : Marita Alisjahbana
forward purchased C A S H E Q U IV A L E N T S
3. Others - - - -
C A S H A N D C A S H E Q U IV A L E N T S A T T H E B E G IN N IN G O F
II. CO M M IT M E NT LIABILIT IE S 186,173,009 156,823,356 186,343,038 156,823,356 23,472,990 39,377,753
Y E AR
1. Unused loans facilities
a. Committed
137,760,499
11,762,750
115,779,514
10,870,217
137,930,528
11,762,750
115,779,514
10,870,217
C A S H A N D C A S H E Q U IV A L E N T S A T T H E E N D O F BOARD OF DIRECTORS
b. Uncommitted 125,997,749 104,909,297 126,167,778 104,909,297
P E R IO D
26,168,004 23,472,990
Jakarta, 28 February 2025
2. Outstanding irrevocable L/C 1,582,162 721,016 1,582,162 721,016 C ash an d cash eq u ivalen ts con sist of : - President Director : Henoch Munandar PT Bank SMBC Indonesia Tbk
Cash 1,379,647 1,428,683
3. Outstanding spot and derivative/
forward sold
46,830,348 40,322,826 46,830,348 40,322,826
Current accounts with Bank Indonesia 9,443,461 9,276,598 - Deputy President Director : Kaoru Furuya
4. Others - - - -
III. CO NT ING E NT RE CE IV ABLE S 31,051,406 30,270,312 31,106,150 30,315,051
Current accounts with other banks
Placement with Bank Indonesia and other banks
1,035,001
12,694,705
962,387
8,961,654
- Deputy President Director : Darmadi Sutanto
1. Guarantees received
2. Others
31,051,406
-
30,270,312
-
31,051,406
54,744
30,270,312
44,739
Securities 1,615,190 2,843,668 - Compliance Director : Dini Herdini
26,168,004 23,472,990
IV . CO NT ING E NT LIABILIT IE S 7,715,450 5,455,734 7,715,450 5,455,734 S U P P L E M E N T A L C A S H F L O W IN F O R M A T IO N : - Director : Atsushi Hino
1. Guarantees issued 7,715,450 5,455,734 7,715,450 5,455,734 A C T IV IT IE S N O T A F F E C T IN G C A S H F L O W
2. Others - - - - Purchases of fixed assets which are still payable (371) (1,248) - Director : Keishi Kobata
Notes: - Director : Merisa Darwis
1. The above consolidated financial information are prepared based on the Consolidated Financial Statements of PT Bank SMBC Indonesia Tbk and Subsidiary as of and for the years ended
on 31 December 2024 and 2023 which were audited by Kantor Akuntan Publik Siddharta Widjaja & Rekan, a member of KPMG International, with 2024 partner in charge : Novie, S.E, CPA, - Director : Hanna Tantani
with unmodified opinion respectively in their reports dated 28 February 2025 and 22 February 2024.
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;
*) Marita Alisjahbana was appointed as Independent Commissioner at
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;
Extraodinary GMS on 29 August 2024 and has been effectively 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. assume the office on 2 September 2024. President Director Director
3. Main foreign exchange rates: 31 December 2024: 1 USD = Rp 16,095.00 and 31 December 2023: 1 USD = Rp 15,397.00.
4. Effective from 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 25 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
Kantor Akuntan Publik Siddharta Widjaja & Rekan
p.1
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja
p.1
unresolved
person
Novie
p.1
unresolved
org
Financial Services Authority
p.1 ×3
unresolved
org
Deposit Insurance Corporation
p.1
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