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LAPORAN KEUANGAN
PT Bank BTPN Syariah Tbk.
31 Desember 2024
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah) Untuk periode-periode yang berakhir pada tanggal 31 Desember 2024 dan 2023 Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah)
(Dalam jutaan Rupiah, kecuali laba bersih per saham)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 31 Desember 2024 31 Desember 2023
No POS-POS No POS-POS No KOMPONEN MODAL
31 Des 2024 31 Des 2023 31 Des 2024 31 Des 2023 31 Des 2024 31 Des 2023 31 Des 2024 31 Des 2023 INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
Diaudit Diaudit Diaudit Diaudit Diaudit Diaudit Diaudit Diaudit
I. Modal Inti (Tier 1)
ASET PENDAPATAN DAN BEBAN OPERASIONAL
1 Modal Inti Utama (CET 1)
1 Kas 592.911 497.153 592.911 497.153 A. Pendapatan dan Beban Operasional dari Penyaluran Dana
1.1 Modal Disetor (setelah dikurangi saham treasury) 770.346 770.346 770.308 770.308
1 Pendapatan dari Penyaluran Dana 5.386.038 5.735.391 5.398.377 5.746.182
2 Penempatan pada Bank Indonesia 1.669.329 763.443 1.669.329 763.443 1.2 Cadangan Tambahan Modal
3 Penempatan pada bank lain 2.195 4.715 251.956 245.119 a. Pendapatan dari piutang
1.2.1 Faktor Penambah
4 Tagihan spot dan forward - - - - i. Murabahah 4.816.480 5.299.422 4.816.480 5.299.422
1.2.1.1 Penghasilan Komprehensif Lain
5 Surat berharga dimiliki 8.849.141 8.491.180 8.901.904 8.571.244 ii. Istishna' - - - -
1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
iii. Multijasa - - - -
6 Tagihan atas surat berharga yang dibeli dengan janji - - - - 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui 335 335 143 143
dijual kembali (reverse repo) iv. Ujrah - 182 - 182 penghasilan komprehensif lain
7 Tagihan akseptasi - - - - v. Lainnya - - - - 1.2.1.1.3 Saldo surplus revaluasi aset tetap 13.053 13.053 5.239 5.239
8 Piutang b. Pendapatan dari bagi hasil 1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
a. Piutang murabahah 9.641.128 11.367.662 9.641.128 11.367.662 i. Mudharabah - - - - 1.2.1.2.1 Agio saham biasa 880.356 880.356 879.174 879.174
b. Piutang istishna’ - - - - ii. Musyarakah 13.330 4.727 13.330 4.727 1.2.1.2.2 Cadangan umum 145.000 145.000 125.000 125.000
c. Piutang multijasa - - - - iii. Lainnya - - - - 1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 6.360.097 6.379.838 5.848.772 5.859.737
d. Piutang qardh 64 530 64 530 1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 1.072.722 1.061.276 1.071.723 1.080.499
c. Pendapatan sewa - - - -
e. Piutang sewa - - - - 1.2.1.2.5 Dana setoran modal - - - -
d. Lainnya 556.228 431.060 568.567 441.851
2 Bagi Hasil untuk Pemilik Dana Investasi -/- (504.115) (486.444) (504.104) (486.433) 1.2.1.2.6 Modal sumbangan - - - -
9 Pembiayaan bagi hasil
1.2.1.2.7 Waran yang diterbitkan - - - -
a. Mudharabah - - - - a. Non profit sharing (504.115) (486.444) (504.104) (486.433)
1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
b. Musyarakah 530.567 19.669 530.567 19.669 b. Profit sharing - - - -
1.2.2 Faktor Pengurang
c. Lainnya - - - - 3 Pendapatan Setelah Distribusi Bagi Hasil 4.881.923 5.248.947 4.894.273 5.259.749
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 - - (30.931) -
1 1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui - - - -
aset keuangan
12 Aset keuangan lainnya 249.534 240.402 249.534 240.402 penghasilan komprehensif lain
Keuntungan/kerugian dari penurunan/peningkatan nilai wajar - - - -
13 Cadangan kerugian penurunan nilai aset keuangan -/- (924.274) (1.213.916) (924.274) (1.213.916) 2 1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
liabilitas keuangan
14 Salam - - - - 3 Keuntungan/kerugian penjualan aset keuangan - - - - 1.2.2.2.1 Disagio saham biasa - - - -
15 Aset istishna’ dalam penyelesaian - - - - 4 Keuntungan/kerugian transaksi spot dan forward (realised) - - - - 1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
Termin istishna’ -/- - - - - 5 Keuntungan/kerugian dari penyertaan dengan equity method - - - - 1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
16 Persediaan - - - - 1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai - - - -
6 Keuntungan/kerugian penjabaran transaksi valuta asing - - 3.650 (892)
(CKPN) atas aset produktif
17 Aset tidak berwujud 212.953 210.744 212.953 210.744 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 335.042 376.224 335.055 376.242 8 Dividen - - - -
1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
19 Aset nonproduktif 9 Komisi/provisi/fee dan administrasi 1.470 1.339 1.470 1.339 1.3 Kepentingan nonpengendali yang dapat diperhitungkan
a. Properti terbengkalai - - - - 10 Pendapatan lainnya 69.536 59.610 69.536 59.610 1.4 Faktor pengurang Modal Inti Utama
b. Agunan yang diambil alih - - - - 11 Beban bonus wadiah -/- (316) (761) (316) (761)
1.4.1 Perhitungan pajak tangguhan (221.330) (226.709) (274.217) (273.592)
c. Rekening tunda - - - - Beban (pemulihan) kerugian penurunan nilai aset keuangan (1.359.766) (1.898.117) (1.359.766) (1.898.117) 1.4.2 Goodwill - - - -
12
(impairment) -/-
d. Aset antar kantor - - - - 1.4.3 Seluruh Aset tidak berwujud lainnya (212.953) (212.953) (210.744) (210.744)
13 Kerugian terkait risiko operasional -/- (7.357) (7.421) (7.357) (7.421)
20 Aset Lainnya 281.066 357.699 286.453 357.074 1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
14 Kerugian penurunan nilai aset lainnya (nonkeuangan) -/- - - - -
TOTAL ASET 21.736.656 21.412.505 21.747.580 21.435.366
1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
15 Beban tenaga kerja -/- (1.417.015) (1.319.862) (1.418.952) (1.320.707)
LIABILITAS DAN EKUITAS 1.4.6 Eksposur sekuritisasi - - - -
16 Beban promosi -/- (9.980) (9.731) (9.983) (9.732)
LIABILITAS 1.4.7 Faktor Pengurang modal inti lainnya
17 Beban lainnya -/- (790.297) (703.248) (790.969) (703.999)
1 Dana simpanan wadiah 1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
Pendapatan/ Beban Operasional Lainnya Bersih (3.513.725) (3.878.191) (3.543.618) (3.880.680)
a. Giro 6.792 24.009 6.792 24.009 2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
LABA/ RUGI OPERASIONAL 1.368.198 1.370.756 1.350.655 1.379.069
b. Tabungan 2.118.289 2.197.988 2.118.289 2.197.988 2.1 Instrumen yang memenuhi persyaratan AT-1 - - - -
PENDAPATAN DAN BEBAN NON OPERASIONAL
2 Dana investasi non profit sharing 2.2 Agio / disagio (+/-) - - - -
1 Keuntungan/ kerugian penjualan aset tetap dan inventaris 4.157 1.593 4.157 1.593
a. Giro - - - - 2.3 Faktor Pengurang Modal Inti Tambahan
2 Pendapatan/ beban non operasional lainnya (1.593) (1.188) (1.616) (768)
b. Tabungan 977.118 890.066 976.622 889.954 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
LABA/ RUGI NON OPERASIONAL 2.564 405 2.541 825
II. Modal Pelengkap (Tier 2)
c. Deposito 8.622.730 9.030.866 8.622.730 9.030.866
LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 1.370.762 1.371.161 1.353.196 1.379.894
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 -/- (247.880) (411.468) (247.880) (411.468) 3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 96.653 97.937 105.441 107.043
5 Liabilitas kepada bank lain - - - -
b. Pendapatan (beban) pajak tangguhan (50.160) 112.030 (44.156) 112.162 4 Cadangan tujuan - - - -
6 Liabilitas spot dan forward - - - -
LABA/ RUGI BERSIH TAHUN BERJALAN 1.072.722 1.071.723 1.061.160 1.080.588 5 Faktor Pengurang Modal Pelengkap
7 Surat berharga diterbitkan 200.000 - 200.000 -
LABA/ RUGI KEPENTINGAN MINORITAS (116) 89 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 8.607.279 8.908.479 8.023.839 8.342.807
1 Pos-pos yang tidak akan direklasifikasi ke laba rugi
10 Setoran jaminan - - - -
a. Keuntungan yang berasal dari revaluasi aset tetap 7.814 - 7.814 - 31 Desember 2024 31 Desember 2023 31 Desember 2024 31 Desember 2023
11 Liabilitas antar kantor - - - -
b. Keuntungan/kerugian yang berasal dari pengukuran kembali atas KETERANGAN
12 Liabilitas lainnya 506.441 515.313 506.553 515.416 9.474 (630) 9.474 (630) INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
program pensiun manfaat pasti
13 Dana investasi profit sharing - - - -
c. Lainnya - - - -
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
14 Kepentingan minoritas (minority interest) 3.013 3.129 2 Pos-pos yang akan direklasifikasi ke laba rugi
TOTAL LIABILITAS 12.431.370 12.658.242 12.433.999 12.661.362 ATMR RISIKO KREDIT 7.458.828 7.562.848 7.942.536 8.072.300 Rasio CET 1 (%) 51,13% 52,58% 49,38% 50,94%
a. Keuntungan/kerugian yang berasal dari penyesuaian akibat
- - - - ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 51,13% 52,58% 49,38% 50,94%
EKUITAS penjabaran laporan keuangan dalam mata uang asing
b. Keuntungan/kerugian yang berasal dari peningkatan nilai wajar ATMR RISIKO OPERASIONAL 9.185.583 9.194.553 8.092.909 8.095.128 Rasio Tier 2 (%) 0,58% 0,58% 0,66% 0,66%
15 Modal disetor
(MTM) aset keuangan instrumen ekuitas yang diukur pada nilai 192 80 192 80
TOTAL ATMR 16.644.411 16.757.401 16.035.445 16.167.428 Rasio KPMM (%) 51,71% 53,16% 50,04% 51,60%
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 (%) 42,50% 43,95% 40,86% 42,42%
b. Modal yang belum disetor -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) c. Lainnya - - - -
ALOKASI PEMENUHAN KPMM SESUAI PROSENTASE BUFFER YANG WAJIB DIPENUHI
c. Saham yang dibeli kembali (treasury stock) -/- (24) (62) (24) (62) PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN
17.480 (550) 17.480 (550) PROFIL RISIKO OLEH BANK (%)
SETELAH PAJAK
16 Tambahan modal disetor
Dari CET 1 (%) 8,63% 8,63% 8,52% 8,52% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
TOTAL LABA (RUGI) KOMPREHENSIF TAHUN BERJALAN 1.090.202 1.071.173 1.078.640 1.080.038
a. Agio 842.145 840.964 842.145 840.964
Dari AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada :
Dari Tier 2 (%) 0,58% 0,58% 0,66% 0,66% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
c. Modal sumbangan - - - - Pemilik 1.072.722 1.071.723 1.061.276 1.080.499
d. Dana setoran modal - - - - Kepentingan Nonpengendali - - (116) 89
TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 1.072.722 1.071.723 1.061.160 1.080.588
CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
e. Lainnya 20.916 20.916 20.916 20.916 Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah)
Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada :
17 Penghasilan komprehensif lain
Pemilik 1.090.202 1.071.173 1.078.756 1.079.949 INDIVIDUAL
a. Keuntungan 55.849 38.370 55.849 38.370
Kepentingan Nonpengendali - - (116) 89 No POS-POS 31 Desember 2024 31 Desember 2023
b. Kerugian - - - -
TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 1.090.202 1.071.173 1.078.640 1.080.038
18 Cadangan CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
DIVIDEN (540.397) (712.535) (540.397) (712.535)
a. Cadangan umum 145.000 125.000 145.000 125.000 Individual Kolektif Umum Khusus Individual Kolektif Umum Khusus
LABA BERSIH PER SAHAM 139 139 138 140
b. Cadangan tujuan - - - - 1 Penempatan pada bank lain - - 22 - - - 47 -
19 Laba/ rugi
LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN 2 Tagihan spot dan forward - - - - - - - -
a. Tahun-tahun lalu 6.938.705 6.599.517 6.958.446 6.610.482 Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah) 3 Surat berharga dimiliki - - 14.725 - - - 10.333 -
b. Tahun berjalan 1.072.722 1.071.723 1.061.276 1.080.499 4 Tagihan akseptasi - - - - - - - -
INDIVIDUAL KONSOLIDASI
c. Dividen yang dibayarkan -/- (540.397) (712.535) (540.397) (712.535) No POS-POS 31 Des 2024 31 Des 2023 31 Des 2024 31 Des 2023 5 Piutang murabahah - 924.220 90.274 108.443 - 1.213.542 105.738 110.112
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 9.305.286 8.754.263 9.313.581 8.774.004 Diaudit Diaudit Diaudit Diaudit 6 Piutang istishna’ - - - - - - - -
TOTAL EKUITAS 9.305.286 8.754.263 9.313.581 8.774.004 I. TAGIHAN KOMITMEN 7 Piutang multijasa - - - - - - - -
1. Fasilitas pembiayaan yang belum ditarik - - - - 8 Piutang qardh - 2 1 2 - 177 2 177
TOTAL LIABILITAS DAN EKUITAS 21.736.656 21.412.505 21.747.580 21.435.366
2. Posisi valas yang akan diterima dari transaksi spot dan forward - - - - 9 Piutang Sewa - - - - - - - -
LAPORAN ARUS KAS KONSOLIDASIAN 3. Lainnya - - - - 10 Pembiayaan mudharabah - - - - - - - -
Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah) II. KEWAJIBAN KOMITMEN 11 Pembiayaan musyarakah - 52 5.305 - - 197 197 -
1. Fasilitas pembiayaan yang belum ditarik 12 Pembiayaan lainnya - - - - - - - -
31 Des 2024 31 Des 2023
POS-POS
Diaudit Diaudit a. Committed - - - - 13 Penyertaan modal - - 2.970 - - - 2.970 -
ARUS KAS DARI AKTIVITAS OPERASI b. Uncommitted 170.028 - 170.028 - 14 Komitmen dan Kontinjensi - - - - - - - -
2. Irrevocable L/C yang masih berjalan - - - -
Penerimaan pendapatan dari pengelolaan dana 5.389.246 5.709.497
Pembayaran bagi hasil dana syirkah temporer (507.229) (483.478)
3. Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
4. Lainnya - - - -
Tanggal 31 Desember 2024 Diaudit (Dalam Jutaan Rupiah)
Penerimaan pendapatan administrasi 8.073 4.990
III. TAGIHAN KONTINJENSI INDIVIDUAL
Penerimaan dari piutang murabahah yang dihapusbukukan 87.903 104.244
1. Garansi yang diterima - - - - No TRANSAKSI Tujuan Tagihan dan Liabilitas
Pembayaran beban tenaga kerja (1.424.259) (1.318.775) Nominal
2. Pendapatan dalam penyelesaian Bukan Hedging Hedging Tagihan Liabilitas
Pembayaran beban usaha lainnya (2.162.915) (2.001.983)
a. Murabahah 54.744 44.738 54.744 44.738 A Terkait dengan Nilai Tukar
Pembayaran terkait pendapatan (beban) non-operasional - bersih (1.596) (2.018)
b. Istishna' - - - - 1 Spot - - - - -
Pembayaran pajak penghasilan badan (265.322) (420.516) c. Sewa - - - - 2 Forward - - - - -
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 1.123.901 1.591.961 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 1.726.534 96.010 IV. KEWAJIBAN KONTINJENSI
Pembiayaan musyarakah (510.898) 40.606 1. Garansi yang diberikan - - - - LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Tanggal 31 Desember 2024 Diaudit (Dalam Jutaan Rupiah)
Pinjaman qardh 466 2.986 2. Lainnya - - - -
Net Revenue Sharing
Aset lain-lain (22.099) (25.560)
Kenaikan (penurunan) liabilitas operasi: LAPORAN RASIO KEUANGAN TRIWULANAN Porsi Pemilik Dana
Tanggal 31 Desember 2024 dan 2023 Jenis Penghimpunan Dana Saldo Pendapatan yang
Liabilitas segera (6.382) (9.083)
Rata-rata akan dibagihasilkan
Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
Simpanan nasabah (96.916) 16.729 No POS-POS 31 Desember 2024 31 Desember 2023 of Return (%)
Liabilitas lain-lain (47.598) (12.098) A B C D E
Rasio Kinerja
(Penurunan) kenaikan: 1 Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
1 Kewajiban Penyediaan Modal Minimun (KPMM) 51,71% 50,04%
Dana syirkah temporer (321.468) 77.559 2 Giro Mudharabah
2 Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,88% 1,65%
Arus kas bersih diperoleh dari aktivitas operasi 1.845.540 1.779.110 a. Bank - - 0,00% - 0,00%
3 Aset produktif bermasalah terhadap total aset produktif 1,88% 1,65%
ARUS KAS DARI AKTIVITAS INVESTASI b. Non Bank - - 0,00% - 0,00%
4 Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,55% 5,99%
3 Tabungan Mudharabah
Hasil penjualan aset tetap 4.360 2.394 5 Non Performing Financing (NPF) gross 3,75% 2,94%
a. Bank - - 0,00% - 0,00%
Pembelian aset tetap (81.062) (110.068) 6 Non Performing Financing (NPF) net 0,03% 0,29%
b. Non Bank 905.400 41.567 1,00% 416 0,56%
Pembelian aset tak berwujud (62.244) (100.053) 7 Return On Assets (ROA) 6,42% 6,30%
4 Deposito Mudharabah
8 Return On Equity (ROE) 13,28% 13,63%
Pembelian surat berharga (7.595.904) (10.616.855)
a. Bank
9 Net Imbalan (NI) 24,30% 26,00%
Penjualan surat berharga 5.613.377 9.974.731 - 1 Bulan - - 0,00% - 0,00%
10 Net Operating Margin (NOM) 6,46% 6,49%
Arus kas bersih digunakan untuk aktivitas investasi (2.121.473) (849.851)
- 3 Bulan - - 0,00% - 0,00%
11 Beban Operasional terhadap Pendapatan Operasional (BOPO) 74,93% 76,35%
ARUS KAS DARI AKTIVITAS PENDANAAN - 6 Bulan - - 0,00% - 0,00%
12 Cost to Income Ratio (CIR) 44,92% 38,43%
Penerbitan Surat Berharga yang Diterbitkan 200.000 - - 12 Bulan - - 0,00% - 0,00%
13 Pembiayaan bagi hasil terhadap total pembiayaan 5,22% 0,17%
Pembayaran dari pinjaman yang diterima - (100.000) b. Non Bank
14 Financing to Deposit Ratio (FDR) 86,75% 93,78%
Pembayaran dividen (525.231) (681.151) - 1 Bulan 6.179.754 283.714 8,87% 31.572 6,22%
Kepatuhan (Compliance)
Pembayaran pajak dividen (15.166) (31.384) - 3 Bulan 1.384.368 63.557 8,88% 7.272 6,39%
1 a. Persentase Pelanggaran BMPD
Arus kas bersih digunakan untuk aktivitas pendanaan (340.397) (812.535) - 6 Bulan 223.311 10.252 8,16% 993 5,41%
i. Pihak Terkait 0,00% 0,00%
(PENURUNAN) KENAIKAN BERSIH KAS DAN SETARA KAS (616.330) 116.724 12 Bulan 44.231 2.031 8,67% 56 1,54%
ii. Pihak Tidak Terkait 0,00% 0,00%
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
KAS DAN SETARA KAS AWAL TAHUN 4.260.715 4.143.991 b. Persentase Pelampauan BMPD
Jumlah 8.737.064 401.121 40.309
KAS DAN SETARA KAS AKHIR TAHUN 3.644.385 4.260.715 i. Pihak Terkait 0,00% 0,00%
ii. Pihak Tidak Terkait 0,00% 0,00% Saldo Rata-rata Pendapatan yang Diterima
Kas dan setara kas akhir tahun terdiri dari: Jenis Penyaluran Dana
2 Giro Wajib Minimum (GWM)
Kas 592.911 497.153 A B
a. GWM rupiah 5,86% 5,54% 1 Penempatan pada Bank Lain 8.894.637 27.125
Giro pada Bank Indonesia 669.329 663.443
i. Harian 0,00% 0,00% 2 Piutang Murabahah
Giro pada bank-bank lain 4.956 7.119
ii. Rata-rata 5,86% 5,54% a. Bank - -
Penempatan pada Bank Indonesia 1.000.000 100.000
b. GWM valuta asing (Harian) 0,00% 0,00% b. Non Bank 9.765.498 408.198
Penempatan pada bank-bank lain 247.000 238.000
3 Piutang Istishna
3 Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00%
Investasi pada surat berharga 1.130.189 2.755.000
a. Bank - -
b. Non Bank - -
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA 4 Piutang Multijasa
Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Pembiayaan Gadai
No POS-POS 31 Desember 2024 31 Desember 2023
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 1.281 - - - - 1.281 3.464 - - - - 3.464 b. Non Bank - -
7 Pembiayaan Musyarakah
b. Valuta asing - - - - - - - - - - - -
a. Bank - -
2 Tagihan spot dan forward
b. Non Bank 465.173 3.320
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 86 -
4 Tagihan akseptasi - - - - - - - - - - - -
Jumlah 19.125.394 438.643
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 914 - - - - 914 1.251 - - - - 1.251
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 8.849.141 - - - - 8.849.141 8.491.180 - - - - 8.491.180
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 9.001.439 232.283 270.591 108.865 1.981 9.615.159 10.553.750 459.669 272.632 17.558 44.321 11.347.930 a. Bank - -
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
7 Pembiayaan Musyarakah
b. Bukan nasabah UMKM
a. Bank - -
i. Rupiah 26.032 - 1 - - 26.033 20.249 7 6 - - 20.262
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
8 Pembiayaan Sewa
c. Pembiayaan yang direstrukturisasi a. Bank - -
i. Rupiah 62.145 5.999 7.301 1.035 473 76.953 610.501 39.794 15.809 5.674 18.005 689.783 b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - - 9 Pembiayaan Lainnya
a. Bank - -
6 Pembiayaan bagi hasil - - - - - - - - - - - -
b. Non Bank - -
a. Nasabah UMKM
Jumlah - -
i. Rupiah - - - - - - - - - - - -
ii. Valuta asing - - - - - - - - - - - -
LAPORAN SUMBER DAN PENYALURAN DANA ZAKAT DAN WAKAF
b. Bukan nasabah UMKM Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah)
i. Rupiah 530.567 - - - - 530.567 19.669 - - - - 19.669 31 Desember 2024 31 Desember 2023
No URAIAN Diaudit Diaudit
ii. Valuta asing - - - - - - - - - - - -
A Sumber dan Penyaluran Dana Zakat
c. Pembiayaan yang direstrukturisasi
1 Penerimaan dana zakat yang berasal dari:
i. Rupiah - - - - - - - - - - - -
a. Intern BUS - -
ii. Valuta asing - - - - - - - - - - - - b. Ekstern BUS - -
7 Penyertaan modal - - - - - - - - - - - - Total penerimaan - -
8 Komitmen dan kontinjensi 2 Penyaluran dana zakat kepada entitas pengelola zakat
a. Lembaga amil zakat - -
a. Rupiah - - - - - - - - - - - -
b. Badan amil zakat - -
b. Valuta asing - - - - - - - - - - - -
Total penyaluran - -
III. INFORMASI LAIN
1 Total aset bank yang dijaminkan: B Sumber dan Penyaluran Dana Wakaf
a. Pada Bank Indonesia - - 1 Penerimaan dana wakaf yang berasal dari:
b. Pada pihak lain - - a. Intern BUS - -
2 Agunan yang diambil alih - - b. Ekstern BUS - -
Total penerimaan - -
Catatan: 2 Penyaluran dana wakaf kepada entitas pengelola wakaf
1. Penyajian laporan keuangan publikasi ini diterbitkan guna memenuhi Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tanggal 20 Desember 2019 tentang “Transparansi dan Publikasi Laporan Bank” dan Surat Edaran Otoritas Jasa keuangan No. a. Badan Wakaf Indonesia - -
10/SEOJK.03/2020 tentang “Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah”. Serta guna memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/ b. Nadzir Lain - -
c. … - -
BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik.
d. Lain-lain - -
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
Total penyaluran - -
diaudit oleh Kantor Akuntan Publik Siddharta Widjaja & Rekan dengan rekan penanggung jawab Novie, S.E., CPA dengan opini tanpa modifikasian dalam laporannya tertanggal 14 Februari 2025.
3. Untuk komparatif dengan angka Desember 2024 maka pada Laporan Posisi Keuangan Desember 2023 pos Dividen yang Dibayarkan disajikan tersendiri sebagai bagian dari Ekuitas. LAPORAN SUMBER DAN PENGGUNAAN DANA KEBAJIKAN
Tanggal 31 Desember 2024 dan 2023 (Dalam Jutaan Rupiah)
DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM 31 Desember 2024 31 Desember 2023
No URAIAN Diaudit Diaudit
Direksi : I. Pemegang Saham Pengendali (PSP) : 1. Saldo awal dana kebajikan 3.409 2.404
• Direktur Utama : Hadi Wibowo PT. Bank SMBC Indonesia Tbk. 70,00%
2. Penerimaan dana kebajikan
• Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
• Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation a. Infak dan sedekah 150 -
• Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00% b. Pengembalian dana kebajikan produktif - -
• Direktur : Dewi Nuzulianti c. Denda 167 52
Dewan Komisaris :
d. Penerimaan non halal 166 1.323
• Komisaris Utama/Independen : Kemal Azis Stamboel
e. Lainnya - -
• Komisaris Independen : Mulya Effendi Siregar
• Komisaris Independen : Dewie Pelitawati Total penerimaan 483 1.375
• Komisaris : Ongki Wanadjati Dana 3. Penggunaan dana kebajikan
Dewan Pengawas Syariah : a. Dana kebajikan produktif - -
• Ketua : H. Ikhwan Abidin, MA
b. Sumbangan - -
• Anggota : H. Muhamad Faiz, MA
c. Penggunaan lainnya untuk kepentingan umum 1.096 370
Total penggunaan 1.096 370
Jakarta, 17 Februari 2025 4. Kenaikan/ penurunan sumber dana kebajikan (613) 1.005
S.E. & O 5. Saldo akhir dana kebajikan 2.796 3.409
Direksi,
Hadi Wibowo Fachmy Ahmad
Direktur Utama Direktur
Page 3
STATEMENT OF FINANCIAL
PT Bank BTPN Syariah Tbk.
31 December 2024
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 31 December 2024 and 2023 (in Millions of Rupiah) For The Periodes Ended 31 December 2024 and 2023 As of 31 December 2024 and 2023 (in Millions of Rupiah)
(in Millions of Rupiah, except net income per share)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 31 December 2024 31 December 2023
No DESCRIPTION No COMPONENTS OF CAPITAL
No DESCRIPTION 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023 INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
Audited Audited Audited Audited Audited Audited Audited Audited
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 592.911 497.153 592.911 497.153 1.1 Paid-in capital (net of treasury stock) 770.346 770.346 770.308 770.308
1 Income from Fund Management as Mudharib 5.386.038 5.735.391 5.398.377 5.746.182
2 Placements with Bank Indonesia 1.669.329 763.443 1.669.329 763.443 1.2 Reserve additional capital
a. Income from receivables
3 Placements with other Banks 2.195 4.715 251.956 245.119 1.2.1 Additional factor
i. Murabahah 4.816.480 5.299.422 4.816.480 5.299.422
4 Spot and forward receivables - - - - 1.2.1.1 Other comprehensive income
ii. Istishna' - - - -
5 Investments in marketable securities 8.849.141 8.491.180 8.901.904 8.571.244 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
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 335 335 143 143
6 Securities purchased under resale agreements (reverse repo) - - - -
iv. Ujrah - 182 - 182 comprehensive income
7 Acceptance receivables - - - -
v. Others - - - - 1.2.1.1.3 Surplus of fixed assets revaluation 13.053 13.053 5.239 5.239
8 Receivables
1.2.1.2 Other disclosed reserves
b. Income from Financing
a. Murabahah receivables 9.641.128 11.367.662 9.641.128 11.367.662
1.2.1.2.1 Agio 880.356 880.356 879.174 879.174
i. Mudharabah - - - -
b. Istishna’ receivables - - - - 1.2.1.2.2 General reserves 145.000 145.000 125.000 125.000
ii. Musyarakah 13.330 4.727 13.330 4.727
c. Multiservices ijarah receivables - - - - 1.2.1.2.3 Previous years profit after tax 6.360.097 6.379.838 5.848.772 5.859.737
iii. Others - - - -
d. Funds of qardh 64 530 64 530 1.2.1.2.4 Current year profit after tax 1.072.722 1.061.276 1.071.723 1.080.499
c. Income from ijarah - - - -
e. Ijarah receivables - - - - 1.2.1.2.5 Funds for paid-up capital - - - -
d. Others 556.228 431.060 568.567 441.851
9 Profit sharing financing 1.2.1.2.6 Capital contribution - - - -
2 Profit Sharing for Investors -/- (504.115) (486.444) (504.104) (486.433)
a. Mudharabah - - - - 1.2.1.2.7 Warrants issued - - - -
a. Non profit sharing (504.115) (486.444) (504.104) (486.433)
b. Musyarakah 530.567 19.669 530.567 19.669 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
b. Profit sharing - - - - 1.2.2 Deduction factor
c. Others - - - -
3 Net Income from Fund Management as Mudharib 4.881.923 5.248.947 4.894.273 5.259.749
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 - - (30.931) - 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other - - - -
1
12 Other financial assets 249.534 240.402 249.534 240.402 comprehensive income
13 Allowance for impairment on financial assets -/- (924.274) (1.213.916) (924.274) (1.213.916) 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 - - 3.650 (892) 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
17 Intangible assets 212.953 210.744 212.953 210.744
7 Bank income as mudharib in mudharabah muqayyadah - - - - 1.2.2.2.6 Regulatory provision on non earning assets - - - -
18 Fixed assets and equipments 335.042 376.224 335.055 376.242
8 Dividend Income - - - - 1.3 Minority interest that can be counted
19 Non earning assets
9 Commission/provision/fees and administration income 1.470 1.339 1.470 1.339 1.4 Deduction factors of CET 1
a. Abandoned property - - - -
10 Other income 69.536 59.610 69.536 59.610 1.4.1 Deferred tax calculation (221.330) (226.709) (274.217) (273.592)
b. Foreclosed collaterals - - - -
11 Wadiah bonus expenses -/- (316) (761) (316) (761) 1.4.2 Goodwill - - - -
c. Suspense Accounts - - - -
12 Impairment for financial asset -/- (1.359.766) (1.898.117) (1.359.766) (1.898.117) 1.4.3 Other intangible assets (212.953) (212.953) (210.744) (210.744)
d. Interoffice assets - - - -
13 Losses related to operational risks -/- (7.357) (7.421) (7.357) (7.421) 1.4.4 Shortfall on the capital of insurance subsidiaries (297.000) - (297.000) -
20 Other assets 281.066 357.699 286.453 357.074
14 Impairment for non financial assets -/- - - - - 1.4.5 Securitisation exposure - - - -
TOTAL ASSETS 21.736.656 21.412.505 21.747.580 21.435.366
1.4.6 Eksposur sekuritisasi - - - -
15 Salaries and employee benefits -/- (1.417.015) (1.319.862) (1.418.952) (1.320.707)
LIABILITIES AND EQUITIES
1.4.7 Other deduction factor of CET 1
16 Promotion Expenses -/- (9.980) (9.731) (9.983) (9.732)
LIABILITIES 1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
17 Other Expenses -/- (790.297) (703.248) (790.969) (703.999)
1 Wadiah Deposits 2 Additional Tier 1 (AT 1) - - - -
Net Operating Income/Expenses (3.513.725) (3.878.191) (3.543.618) (3.880.680)
a. Demand Deposits 6.792 24.009 6.792 24.009 2.1 Instruments which comply with AT 1 regulations - - - -
OPERATING INCOME/EXPENSES 1.368.198 1.370.756 1.350.655 1.379.069
b. Savings Deposits 2.118.289 2.197.988 2.118.289 2.197.988 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 4.157 1.593 4.157 1.593
a. Demand Deposits - - - - 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
2 Other non-operating income/expenses (1.593) (1.188) (1.616) (768)
b. Savings Deposits 977.118 890.066 976.622 889.954 II. Supplemental Capital (Tier 2)
NON-OPERATING INCOME/EXPENSES 2.564 405 2.541 825
c. Time Deposits 8.622.730 9.030.866 8.622.730 9.030.866 1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
CURRENT YEAR PROFIT/LOSS BEFORE TAX 1.370.762 1.371.161 1.353.196 1.379.894
2 Agio/Disagio (+/-) - - - -
3 Electronic Money - - - -
Income taxes
3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 96.653 97.937 105.441 107.043
4 Liabilities to Bank Indonesia - - - -
a. Estimated current year tax -/- (247.880) (411.468) (247.880) (411.468) 4 Appropriated reserves - - - -
5 Liabilities to Other Banks - - - -
b. Deferred tax income/expenses (50.160) 112.030 (44.156) 112.162 5 Deduction supplemental capital
6 Spot and forward payables - - - -
CURRENT YEAR NET PROFIT/LOSS 1.072.722 1.071.723 1.061.160 1.080.588 5.1 Sinking Fund - - - -
7 Marketable securities issued 200.000 - 200.000 -
MINORITY INTEREST PROFIT/LOSS (116) 89 5.2 Investment on Tier 2 instrument to other bank - - - -
8 Acceptance liabilities - - - -
OTHER COMPREHENSIVE INCOME TOTAL CAPITAL 8.607.279 8.908.479 8.023.839 8.342.807
9 Fund Borrowings - - - -
1 Items that will not be reclassified to profit or loss
10 Guarantee deposit - - - -
a. Gain/Loss from revaluation of properties 7.814 - 7.814 - 31 December 2024 31 December 2023 31 December 2024 31 December 2023
11 Interoffice liabilities - - - - DESCRIPTION DESCRIPTION
b. Gain/Loss from remeasurement on defined benefit plan 9.474 (630) 9.474 (630) INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
12 Other liabilities 506.441 515.313 506.553 515.416
c. Others - - - -
13 Profit sharing investment funds - - - - RISK WEIGHTED ASSETS RASIO KPMM
2 Items that will be reclassified to profit or loss
14 Minority interest 3.013 3.129 CREDIT RISK - WEIGHTED ASSETS 7.458.828 7.562.848 7.942.536 8.072.300 Rasio CET 1 (%) 51,13% 52,58% 49,38% 50,94%
a. Gain/Loss from exchange difference on translation of foreign
- - - -
TOTAL LIABILITIES 12.431.370 12.658.242 12.433.999 12.661.362 currency financial statement
MARKET RISK - WEIGHTED ASSETS - - - - Rasio Tier 1 (%) 51,13% 52,58% 49,38% 50,94%
EQUITIES
b. Gain/Loss from changes of financial assets on measured at fair OPERATIONAL RISK - WEIGHTED ASSETS 9.185.583 9.194.553 8.092.909 8.095.128 Rasio Tier 2 (%) 0,58% 0,58% 0,66% 0,66%
192 80 192 80
15 Share capital value through other comprehensive income
TOTAL RISK WEIGHTED ASSETS 16.644.411 16.757.401 16.035.445 16.167.428 Rasio KPMM (%) 51,71% 53,16% 50,04% 51,60%
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 c. Others - - - - CAR BASED ON RISK PROFILE (%) 9,21% 9,21% 9,18% 9,18% 42,50% 43,95% 40,86% 42,42%
b. Unpaid-in capital -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 17.480 (550) 17.480 (550)
CAPITAL ALLOCATION FOR CAR BASED ON
c. Treasury stock -/- (24) (62) (24) (62) TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 1.090.202 1.071.173 1.078.640 1.080.038 RISK PROFILE
16 Additional paid-in capital Current Year Net Profit/Loss Attributable to : From CET 1 (%) 8,63% 8,63% 8,52% 8,52% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
a. Agio 842.145 840.964 842.145 840.964 Owner 1.072.722 1.071.723 1.061.276 1.080.499 From AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Non controlling interest - - (116) 89 From Tier 2 (%) 0,58% 0,58% 0,66% 0,66% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
c. Capital contribution - - - - TOTAL CURRENT YEAR NET PROFIT/LOSS 1.072.722 1.071.723 1.061.160 1.080.588
d. Fund for paid up capital - - - - Total Comprehensive Profit/Loss For The Year Attributable To : STATEMENT OF ALLOWANCE FOR IMPAIRMENT LOSSES
e. Others 20.916 20.916 20.916 20.916 Owner 1.090.202 1.071.173 1.078.756 1.079.949 As of 31 December 2024 and 2023 (in Millions of Rupiah)
17 Other comprehensive income Non controlling interest - - (116) 89
INDIVIDUAL
a. Gain 55.849 38.370 55.849 38.370 Total Comprehensive Profit/Loss For The Year 1.090.202 1.071.173 1.078.640 1.080.038
No DESCRIPTION 31 December 2024 31 December 2023
b. Loss -/- - - - - DIVIDEND (540.397) (712.535) (540.397) (712.535)
EARNINGS PER SHARE (in Rupiah) 139 139 138 140 Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
18 Reserve
Individual Collective General Specific Individual Collective General Specific
a. General reserve 145.000 125.000 145.000 125.000
STATEMENT OF COMMITMENTS AND CONTINGENCIES 1 Placements with other banks - - 22 - - - 47 -
b. Appropriated reserve - - - - As of 31 December 2024 and 2023 (in Millions of Rupiah)
2 Spot and forward receivables - - - - - - - -
19 Profit / Loss
INDIVIDUAL CONSOLIDATION 3 Securities - - 14.725 - - - 10.333 -
a. Previous years 6.938.705 6.599.517 6.958.446 6.610.482 No DESCRIPTION 31 Dec 2024 31 Dec 2023 31 Dec 2024 31 Dec 2023
4 Acceptance receivables - - - - - - - -
b. Current year 1.072.722 1.071.723 1.061.276 1.080.499 Audited Audited Audited Audited
I. COMMITMENT RECEIVABLES 5 Murabahah receivables - 924.220 90.274 108.443 - 1.213.542 105.738 110.112
c. Dividens paid -/- (540.397) (712.535) (540.397) (712.535)
6 Istishna' receivables - - - - - - - -
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 9.305.286 8.754.263 9.313.581 8.774.004 1. Unused financing facilities - - - -
7 Multi-services ijarah receivables - - - - - - - -
TOTAL EQUITIES 9.305.286 8.754.263 9.313.581 8.774.004 2. Foreign currency positions to be received from spot and forward
- - - -
transactions 8 Funds of qardh - 2 1 2 - 177 2 177
TOTAL LIABILITIES AND EQUITIES 21.736.656 21.412.505 21.747.580 21.435.366
3. Others - - - - 9 Ijarah receivables - - - - - - - -
II. COMMITMENT PAYABLES 10 Mudharabah financing - - - - - - - -
CONSOLIDATED STATEMENTS OF CASH FLOWS 11 Musyarakah financing - 52 5.305 - - 197 197 -
1. Unused financing facilities
Years Ended 31 December 2024 and 2023 (in Millions of Rupiah)
a. Committed - - - - 12 Other financing - - - - - - - -
31 Dec 2024 31 Dec 2023 13 Investments in shares - - 2.970 - - - 2.970 -
DESCRIPTION b. Uncommitted 170.028 - 170.028 -
Audited Audited
2. Outstanding irrevocable L/C - - - - 14 Commitments and contingencies - - - - - - - -
CASH FLOWS FROM OPERATING ACTIVITIES
3. Foreign currency positions to be submitted for spot and forward
- - - -
transactions
Receipts of income from fund management 5.389.246 5.709.497
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
Payments of profit sharing for temporary syirkah funds (507.229) (483.478) 4. Others - - - - As of 31 December 2024 Audited (in Millions of Rupiah)
Receipts of administrative income 8.073 4.990 III. CONTINGENT RECEIVABLES
INDIVIDUAL
Receipts from recovery of written-off murabahah receivables 87.903 104.244 1. Guarantees received - - - -
No TRANSACTION Type Derivative Receivables & Payable
Payments of personnel expenses (1.424.259) (1.318.775) 2. Income from non performing financing Nominal
Non Hedging Hedging Receivables Payables
a. Murabahah 54.744 44.738 54.744 44.738
Payments of other operating expenses (2.162.915) (2.001.983) A Exchange Rate Related
b. Istishna' - - - -
Payments related with non-operating income (expenses) - net (1.596) (2.018) 1 Spot - - - - -
c. Ijarah - - - -
Payments of corporate income tax (265.322) (420.516) 2 Forward - - - - -
d. Profit Sharing - - - -
Cash flows before changes in operating assets and liabilities 1.123.901 1.591.961 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 1.726.534 96.010
1. Guarantees issued - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
Musyarakah financing (510.898) 40.606 As of 31 December 2024 Audited (in Millions of Rupiah)
2. Others - - - -
Funds of qardh 466 2.986
Net Revenue Sharing
Other assets (22.099) (25.560) STATEMENT OF FINANCIAL RATIOS
Increase (decrease) in operating liabilities: - - As of 31 December 2024 and 2023 Fund Owners Portion
Types of Funds Average Income to be
Liabilities due immediately (6.382) (9.083) 31 December 31 December Balance Distributed
Rate of Return
No RATIOS Ratio (%) Total of Profit Sharing
Deposits from customers (96.916) 16.729 2024 2023 Indication (%)
PERFORMANCE RATIOS A B C D E
Other liabilities (47.598) (12.098)
1 Capital Adequacy Ratio (CAR) 51,71% 50,04% 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 1,88% 1,65% 2 Mudharabah demand deposits
Temporary syirkah funds (321.468) 77.559
3 Non performing earning assets to total earning assets 1,88% 1,65% a. Bank - - 0,00% - 0,00%
Net cash flows provided from operating activities 1.845.540 1.779.110
4 Allowance for impairment on financial assets to earning assets 4,55% 5,99% b. Non Bank - - 0,00% - 0,00%
CASH FLOWS FROM INVESTING ACTIVITIES
5 Non Performing Financing (NPF) gross 3,75% 2,94% 3 Mudharabah savings deposits
Proceeds from sale of fixed assets 4.360 2.394 6 Non Performing Financing (NPF) net 0,03% 0,29% a. Bank - - 0,00% - 0,00%
Purchase of fixed assets (81.062) (110.068) 7 Return On Assets (ROA) 6,42% 6,30% b. Non Bank 905.400 41.567 1,00% 416 0,56%
Purchase of intangible assets (62.244) (100.053) 8 Return On Equity (ROE) 13,28% 13,63% 4 Mudharabah time deposits
Purchase of marketable securities (7.595.904) (10.616.855) 9 Net Interest (NI) 24,30% 26,00% a. Bank
10 Net Operating Margin (NOM) 6,46% 6,49% - 1 Month - - 0,00% - 0,00%
Sale of marketable securities 5.613.377 9.974.731
Net cash flows used in investing activities (2.121.473) (849.851) 11 Operating Expenses to Operating Income (BOPO) 74,93% 76,35% - 3 Month - - 0,00% - 0,00%
CASH FLOWS FROM FINANCING ACTIVITIES 12 Cost to Income Ratio (CIR) 44,92% 38,43% - 6 Month - - 0,00% - 0,00%
13 Profit sharing financing to total financing 5,22% 0,17% - 12 Month - - 0,00% - 0,00%
Issuance of securities issued 200.000 -
b. Non Bank
14 Financing to Deposit Ratio (FDR) 86,75% 93,78%
Payments from borrowings - (100.000)
- 1 Month 6.179.754 283.714 8,87% 31.572 6,22%
Compliance
Payments of dividend (525.231) (681.151)
- 3 Month 1.384.368 63.557 8,88% 7.272 6,39%
1 a. Percentage violation of Legal Lending Limit (LLL)
Payments of tax on dividend (15.166) (31.384)
- 6 Month 223.311 10.252 8,16% 993 5,41%
i. Related parties 0,00% 0,00%
Net cash flows used in financing activities (340.397) (812.535)
- 12 Month 44.231 2.031 8,67% 56 1,54%
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (616.330) 116.724 ii. Non related parties 0,00% 0,00%
5 Marketable securities issued - - 0,00% - 0,00%
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 4.260.715 4.143.991 b. Percentage of financing in excess of Legal Lending Limit (LLL)
TOTAL 8.737.064 401.121 40.309
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 3.644.385 4.260.715 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 592.911 497.153
a. GWM rupiah 5,86% 5,54% 1 Placements with other banks 8.894.637 27.125
Current accounts with Bank Indonesia 669.329 663.443
i. Daily 0,00% 0,00% 2 Murabahah receivables
Current accounts with other banks 4.956 7.119
ii. Average 5,86% 5,54% a. Bank - -
Placements with Bank Indonesia 1.000.000 100.000
b. GWM foreign currencies (Daily) 0,00% 0,00% b. Non Bank 9.765.498 408.198
Placements with other banks 247.000 238.000
3 Istishna’ receivables
Investments in marketable securities 1.130.189 2.755.000 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 December 2024 and 2023 (in Millions of Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Funds of qardh
No DESCRIPTION 31 December 2024 31 December 2023
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 1.281 - - - - 1.281 3.464 - - - - 3.464 7 Musyarakah financing
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
2 b. Non Bank 465.173 3.320
Spot and forward receivables
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 86 -
TOTAL 19.125.394 438.643
4 Acceptance receivables - - - - - - - - - - - -
5 Receivables and ijarah
Profit Sharing
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - Fund Owners Portion
Average Income to be
Types of Funds
i. Rupiah - - - - - - - - - - - - Balance Distributed
Rate of Return
Ratio (%) Total of Profit Sharing
ii. Foreign currencies - - - - - - - - - - - - Indication (%)
A B C D E
b. Non Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
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%
b. Non Bank - - 0,00% - 0,00%
6 Profit sharing financing
4 Mudharabah time deposits
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
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
- 1 Month - - 0,00% - 0,00%
c. Restructured loans
- 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
A B
II. NON-RELATED PARTIES
1 Placements with other banks - -
1 Placements with other banks
2 Murabahah receivables
a. Rupiah 914 - - - - 914 1.251 - - - - 1.251 a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
2 Spot and forward receivables 3 Istishna’ receivables
a. Bank - -
a. Rupiah - - - - - - - - - - - -
b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - -
4 Multiservices ijarah receivables
3 Securities
a. Bank - -
a. Rupiah 8.849.141 - - - - 8.849.141 8.491.180 - - - - 8.491.180 - -
b. Non Bank
b. Foreign currencies - - - - - - - - - - - - 5 Funds of qardh
4 Acceptance receivables - - - - - - - - - - - - a. Bank - -
5 Receivables and ijarah b. Non Bank - -
6 Mudharabah financing
a Micro, small and medium enterprises (UMKM)
a. Bank - -
i. Rupiah 9.001.439 232.283 270.591 108.865 1.981 9.615.159 10.553.750 459.669 272.632 17.558 44.321 11.347.930
b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - -
7 Musyarakah financing
b. Non Micro, small and medium enterprises (UMKM) - -
a. Bank
i. Rupiah 26.032 - 1 - - 26.033 20.249 7 6 - - 20.262 b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - - 8 Ijarah receivables
a. Bank - -
c. Restructured loans
b. Non Bank - -
i. Rupiah 62.145 5.999 7.301 1.035 473 76.953 610.501 39.794 15.809 5.674 18.005 689.783
9 Other financing
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - -
6 Profit sharing financing - - - - - - - - - - - -
b. Non Bank - -
a Micro, small and medium enterprises (UMKM) TOTAL - -
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - -
STATEMENT OF SOURCES AND DISTRIBUTION OF ZAKAT FUNDS
As of 31 December 2024 and 2023 (In Millions of Rupiah)
b. Non Micro, small and medium enterprises (UMKM)
31 Dec 2024 31 Dec 2023
i. Rupiah 530.567 - - - - 530.567 19.669 - - - - 19.669
No URAIAN Audited Audited
ii. Foreign currencies - - - - - - - - - - - - A Sources and distribution of zakat funds
c. Restructured loans 1 Sources of zakat funds :
a. Internal bank - -
i. Rupiah - - - - - - - - - - - -
b.External bank - -
ii. Foreign currencies - - - - - - - - - - - -
Total receipt - -
7 Investment in share - - - - - - - - - - - -
2 Distribution of zakat funds distributed to other institutions
8 Commitments and contingencies a. Lembaga amil zakat - -
a. Rupiah - - - - - - - - - - - - b. Badan amil zakat - -
b. Foreign currencies - - - - - - - - - - - - Total distribution - -
III. OTHER INFORMATIONS
B Sources and distribution of waqf funds
1 Bank assets pledge as collateral:
1 Sources of waqf funds:
a. To Bank Indonesia - -
a. Internal bank - -
b. To others parties - -
b.External bank - -
2 Foreclosed collateral - - Total receipt - -
2 Distribution of waqf funds distributed to other institutions
Notes:
a. Badan Wakaf Indonesia - -
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/
b. Other Institutions - -
SEOJK.03/2020 of the Financial Services Authority on “Transparency and Publication of Reports of Sharia Commercial Banks and Sharia Business Units”. And in order to comply with Regulation no. VIII.G.7, copy of the Decree of the Chairman of the Capital c. … - -
Market and Financial Institutions Supervisory Agency No. Kep-347/BL/2012 dated 25 June 2012 concerning the presentation and disclosure of financial reports of issuers or public companies. Others - -
2. The above published financial report information for the year ended 31 December 2024 has been prepared based on the financial report of PT Bank BTPN Syariah Tbk. for the year ended 31 December 2024 which has been audited by the auditing firm Total distribution - -
Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unmodified opinion in their report dated 14 February 2025.
3. For comparative purposes with the December 2024 figures the December 2023 Statement of Financial Position presents the Dividends Paid item separately as part of Equity. STATEMENT OF SOURCES AND DISTRIBUTION OF QARDHUL HASAN FUNDS
As of 31 December 2024 and 2023 (In Millions of Rupiah)
31 Dec 2024 31 Dec 2023
MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER No URAIAN Audited Audited
BOARD OF DIRECTORS : I. Ultimate shareholder : 1. Beginning balance of qardhul hasan funds 3.409 2.404
• President Director : Hadi Wibowo PT. Bank SMBC Indonesia Tbk. 70,00% 2. Sources of qardhul hasan funds
• Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group a. Infaq and shadaqah 150 -
• Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation
b. Qardhul hasan refund - -
• Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00%
c. Penalty 167 52
• Director : Dewi Nuzulianti
BOARD OF COMMISSIONERS : d. Non-halal income 166 1.323
• President Commissioner/Independent : Kemal Azis Stamboel e. Others - -
• Independent Commissioner : Mulya Effendi Siregar Total receipt 483 1.375
• Independent Commissioner : Dewie Pelitawati
3. Uses of qardhul hasan funds - -
• Commissioner : Ongki Wanadjati Dana
a. Productive distribution - -
SHARIA SUPERVISORY BOARD :
• Chairman : H. Ikhwan Abidin, MA b. Donation - -
• Member : H. Muhamad Faiz, MA c. Others 1.096 370
Total distribution 1.096 370
4. Increase/(decrease) qardhul hasan funds (613) 1.005
Jakarta, 17 February 2025 5. Ending balance of qardhul hasan funds 2.796 3.409
S.E. & O
Board of Directors,
Hadi Wibowo Fachmy Ahmad
President Director Director
Names mentioned 30 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
org
Wakaf Indonesia
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
—
PSP
· Pemegang Saham Pengendali
p.2
unresolved
org
Sumitomo Mitsui Banking Corporation
p.2
unresolved
—
a. Dana kebajikan produktif
p.2
unresolved
person
H. Muhamad Faiz
p.2 ×2
unresolved
org
Financial Services Authority
p.3 ×2
unresolved
org
Siddharta Widjaja & Partners
p.3
unresolved
person
Charge Novie
p.3
unresolved
org
Via Sumitomo Mitsui Banking Corporation
p.3
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