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Nomor Surat 032/A/PKU/DIR/I/2025
Nama Emiten PT Bank Pembangunan Daerah SulawesiUtara Gorontalo
Kode Emiten BSLT
Perihal Penyampaian Laporan Keuangan Tahunan
Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2024 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT Bank Bank Manado 2023 Bank 19.667.380.903.58 PENUH IDR 100.0
Pembangunan Pembangunan 5
Daerah Daerah
Sulawesi
Utara
Gorontalo
Dokumen ini merupakan dokumen resmi PT Bank Pembangunan Daerah SulawesiUtara Gorontalo yang tidak memerlukan tanda tangan karena
dihasilkan secara elektronik. PT Bank Pembangunan Daerah SulawesiUtara Gorontalo bertanggung jawab penuh atas informasi tertera di dalam
dokumen ini.
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[1000000] General information
Informasi umum General information
31 December 2024
Informasi umum General information
Nama entitas PT Bank Pembangunan Daerah Entity name
SulawesiUtara Gorontalo
Penjelasan perubahan nama Explanation of change in
dari akhir periode laporan name from the end of the
sebelumnya preceding reporting period
Kode entitas BSLT Entity code
Nomor identifikasi entitas AA549 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Entity main industry
Sharia
Standar akutansi yang dipilih PSAK Selected accounting
standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham Indonesian Government Controlling shareholder
pengendali information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Obligasi / Bond Type of listed securities
Jenis papan perdagangan Utama / Main Type of board on which the
tempat entitas tercatat entity is listed
Apakah merupakan laporan Entitas tunggal / Single entity Whether the financial
keuangan satu entitas atau statements are of an
suatu kelompok entitas individual entity or a group of
entities
Periode penyampaian Tahunan / Annual Period of financial
laporan keuangan statements submissions
Tanggal Surat Pernyataan July 24, 2024 Date Of Board Of Directors'
Direksi Statement Letter
Tanggal awal periode January 01, 2024 Current period start date
berjalan
Tanggal akhir periode December 31, 2024 Current period end date
berjalan
Tanggal akhir tahun December 31, 2023 Prior year end date
sebelumnya
Tanggal awal periode January 01, 2023 Prior period start date
sebelumnya
Tanggal akhir periode December 31, 2023 Prior period end date
sebelumnya
Tanggal akhir 2 tahun December 31, 2022 Prior 2 year end date
sebelumnya
Mata uang pelaporan Rupiah / IDR Description of presentation
currency
Kurs konversi pada tanggal 16,240.00000 Conversion rate at reporting
pelaporan jika mata uang date if presentation currency
penyajian selain rupiah is other than rupiah
Pembulatan yang digunakan Satuan Penuh / Full Amount Level of rounding used in
dalam penyajian jumlah financial statements
dalam laporan keuangan
Jenis laporan atas laporan Diaudit / Audited Type of report on financial
keuangan statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
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Hal yang diungkapkan dalam Matters disclosed in
paragraf pendapat untuk emphasis-of-matter or
penekanan atas suatu other-matter paragraph, if
masalah atau paragraf any
penjelasan lainnya, jika ada
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Tidak / No Any Key Audit Matters
Opinion
Jumlah Hal Audit Utama 3 Total Key Audit Matters
Paragraf Hal Audit Utama 1 Key Audit Matters Paragraph
Tanggal laporan audit atau 2025-01-31 Date of auditor's opinion or
hasil laporan review result of review report
Auditor tahun berjalan Hananta Budianto Rekan Current year auditor
Nama partner audit tahun Hananta Budianto Rekan Name of current year audit
berjalan signing partner
Lama tahun penugasan 1 Tahun Number of years served as
partner yang audit signing partner
menandatangani
Auditor tahun sebelumnya KAP Hananta Budianto dan Rekan Prior year auditor
Nama partner audit tahun Hananta Budianto Rekan Name of prior year audit
sebelumnya signing partner
Kepatuhan terhadap Ya / Yes Whether in compliance with
pemenuhan peraturan OJK OJK rules No.
Nomor: 75/POJK.04/2017 75/POJK.04/2017 concerning
tentang Tanggung Jawab responsibilities of board of
Direksi Atas Laporan directors on financial
Keuangan statements
Kepatuhan terhadap Ya / Yes Compliance to the
pemenuhan independensi independency of Accountant
akuntan yang memberikan that provide services in
jasa audit di pasar modal Capital Market as regulated
sesuai dengan POJK Nomor in OJK rules No.
13/POJK.03/2017 tentang 13/POJK.03/2017 concerning
Penggunaan Jasa Akuntan The Use of Public
Publik dalam Kegiatan Jasa Accountant and Auditing
Keuangan Firm in Financial Services
Activities.
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[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
31 December 2024 31 December 2023
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 282,626,904,900 222,862,510,900 Cash
Dana yang dibatasi 1,400,554,714,626 1,488,629,038,128 Restricted funds
penggunaannya
Giro pada Bank Indonesia Current accounts with Bank
Indonesia
Giro pada bank lain Current accounts with
other banks
Giro pada bank lain 8,914,849,369 15,471,140,716 Current accounts with
pihak ketiga other banks third parties
Giro pada bank lain Current accounts with
pihak berelasi other banks related
parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for current
giro pada bank lain accounts with other bank
Penempatan pada Bank Placements with Bank
Indonesia dan bank lain Indonesia and other banks
Penempatan pada 150,000,000,000 650,000,000,000 Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak ketiga banks third parties
Penempatan pada Placements with Bank
Bank Indonesia dan Indonesia and other
bank lain pihak banks related parties
berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for placements
penempatan pada with other banks
bank lain
Piutang asuransi Insurance receivables
Piutang asuransi pihak 1,853,276,645,776 964,933,185,402 Insurance receivables
ketiga third parties
Piutang asuransi pihak Insurance receivables
berelasi related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for insurance
piutang asuransi receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga Deposits to clearing and
kliring dan penjaminan settlement guarantee
institution
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang Marketable securities
diperdagangkan pihak third parties
ketiga
Efek-efek yang Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for marketable
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efek-efek yang securities
diperdagangkan
Investasi pemegang polis Investments of policyholder
pada kontrak unit-linked in unit-linked contracts
Efek yang dibeli dengan 740,568,411,750 2,143,751,682,000 Securities purchased under
janji dijual kembali agreement to resale
Wesel ekspor dan Bills and other receivables
tagihan lainnya
Wesel ekspor dan Bills and other
tagihan lainnya pihak receivables third parties
ketiga
Wesel ekspor dan Bills and other
tagihan lainnya pihak receivables related
berelasi parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for bills and other
wesel ekspor dan receivables
tagihan lainnya
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi Acceptance receivables
pihak ketiga third parties
Tagihan akseptasi Acceptance receivables
pihak berelasi related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak Derivative receivables
ketiga third parties
Tagihan derivatif pihak Derivative receivables
berelasi related parties
Pinjaman yang Loans
diberikan
Pinjaman yang 15,921,802,906,407 14,451,050,352,925 Loans third parties
diberikan pihak ketiga
Pinjaman yang 0 158,222,252,853 Loans related parties
diberikan pihak
berelasi
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang
diberikan
Piutang dari lembaga Receivables from clearing
kliring dan penjaminan and settlement guarantee
institution
Piutang nasabah Receivables from
customers
Piutang nasabah Receivables from
pihak ketiga customers third parties
Piutang nasabah Receivables from
pihak berelasi customers related parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for receivables
piutang nasabah from customers
Piutang murabahah Murabahah receivables
Piutang murabahah Murabahah receivables
pihak ketiga third parties
Piutang murabahah Murabahah receivables
pihak berelasi related parties
Cadangan kerugian Allowance for impairment
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penurunan nilai pada losses for murabahah piutang murabahah receivables Piutang istishna Istishna receivables Piutang istishna pihak Istishna receivables third ketiga parties Piutang istishna pihak Istishna receivables berelasi related parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for istishna piutang istishna receivables Piutang ijarah Ijarah receivables Piutang ijarah pihak Ijarah receivables third ketiga parties Piutang ijarah pihak Ijarah receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for ijarah piutang ijarah receivables Piutang pembiayaan Consumer financing konsumen receivables Piutang pembiayaan Consumer financing konsumen pihak receivables third parties ketiga Piutang pembiayaan Consumer financing konsumen pihak receivables related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for consumer piutang pembiayaan financing receivables konsumen Pinjaman qardh Qardh funds Pinjaman qardh pihak Qardh funds third parties ketiga Pinjaman qardh pihak Qardh funds related berelasi parties Cadangan kerugian Allowance for impairment penurunan nilai pada losses for qardh funds pinjaman qardh Pembiayaan Mudharabah financing mudharabah Pembiayaan Mudharabah financing mudharabah pihak third parties ketiga Pembiayaan Mudharabah financing mudharabah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for mudharabah pembiayaan financing mudharabah Pembiayaan Musyarakah financing musyarakah Pembiayaan Musyarakah financing musyarakah pihak third parties ketiga Pembiayaan Musyarakah financing musyarakah pihak related parties berelasi Cadangan kerugian Allowance for impairment penurunan nilai pada losses for musyarakah
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pembiayaan financing
musyarakah
Investasi sewa Lease investments
Investasi sewa pihak Lease investments third
ketiga parties
Investasi sewa pihak Lease investments
berelasi related parties
Investasi sewa nilai Lease investments
residu yang terjamin guaranteed residual
value
Investasi sewa Lease investments
pendapatan deferred financing
pembiayaan income
tangguhan
Investasi sewa Lease investments
simpanan jaminan guarantee deposits
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for lease
investasi sewa investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang Factoring receivables
pihak ketiga third parties
Tagihan anjak piutang Factoring receivables
pihak berelasi related parties
Tagihan anjak piutang Factoring receivables on
pada pendapatan deferred factoring
anjak piutang income
tangguhan
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for factoring
tagihan anjak piutang receivables
Piutang lainnya Other receivables
Piutang lainnya pihak Other receivables third
ketiga parties
Piutang lainnya pihak Other receivables related
berelasi parties
Cadangan kerugian Allowance for impairment
penurunan nilai pada losses for other
piutang lainnya receivables
Aset keuangan lainnya 968,252,850 968,252,850 Other financial assets
Obligasi pemerintah Government bonds
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-sale
dimiliki untuk dijual
Aset tidak lancar atau Non-current assets or
kelompok lepasan disposal groups classified as
diklasifikasikan sebagai held-for-distribution to
dimiliki untuk owners
didistribusikan kepada
pemilik
Uang muka Advances
Biaya dibayar dimuka Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian Claims for tax refund
pajak
Aset pajak tangguhan Deferred tax assets
Investasi yang dicatat Investments accounted for
dengan menggunakan using equity method
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metode ekuitas
Investasi pada ventura Investments in joint
bersama dan entitas ventures and associates
asosiasi
Investasi pada entitas Investments in joint
ventura bersama ventures
Investasi pada entitas Investments in
asosiasi associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit
assets
Goodwill Goodwill
Aset takberwujud selain 2,123,229,384 2,581,278,634 Intangible assets other than
goodwill goodwill
Properti investasi 601,724,105,392 551,676,745,422 Investment properties
Aset ijarah Ijarah assets
Aset tetap Property, plant, and
equipment
Aset hak guna Right of use assets
Aset pengampunan pajak 33,290,247,760 30,880,167,780 Tax amnesty assets
Agunan yang diambil alih Foreclosed assets
Aset lainnya 123,294,358,798 178,553,455,835 Other assets
Jumlah aset 21,119,144,627,012 20,859,580,063,445 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 188,416,644,620 205,868,503,815 Obligations due
immediately
Bagi hasil yang belum Undistributed profit
dibagikan sharing
Dana simpanan Sharia deposits
syariah
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak 1,122,173,039,142 702,156,650,238 Current accounts
ketiga third parties
Giro pihak 1,163,025,612,327 Current accounts
berelasi related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah Wadiah demand
pihak ketiga deposits third
parties
Giro wadiah Wadiah demand
pihak berelasi deposits related
parties
Tabungan Savings
Tabungan 2,732,065,780,017 2,735,752,936,431 Savings third
pihak ketiga parties
Tabungan 43,607,802,133 Savings related
pihak berelasi parties
Tabungan wadiah Wadiah savings
Tabungan Wadiah savings
wadiah pihak third parties
ketiga
Tabungan Wadiah savings
wadiah pihak related parties
berelasi
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Deposito Time deposits
berjangka
Deposito 11,184,773,091,284 10,863,539,013,873 Time deposits
berjangka pihak third parties
ketiga
Deposito 7,700,000,000 Time deposits
berjangka pihak related parties
berelasi
Deposito wakalah Wakalah deposits
Deposito Wakalah deposits
wakalah pihak third parties
ketiga
Deposito Wakalah deposits
wakalah pihak related parties
berelasi
Simpanan dari bank Other banks deposits
lain
Simpanan dari 725,438,678,117 490,209,089,513 Other banks deposits
bank lain pihak related parties
berelasi
Simpanan dari Other banks deposits
bank lain pihak third parties
ketiga
Efek yang dijual 292,412,090,000 283,091,146,000 Securities sold with
dengan janji untuk repurchase agreement
dibeli kembali
Liabilitas derivatif Derivative payables
Liabilitas derivatif Derivative payables
pihak ketiga third parties
Liabilitas derivatif Derivative payables
pihak berelasi related parties
Utang asuransi Insurance payables
Utang koasuransi Coinsurance liabilities
Liabilitas kepada Liabilities to policyholder
pemegang polis in unit-linked contracts
unit-linked
Utang bunga Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi Acceptance liabilities
pihak berelasi related parties
Liabilitas akseptasi Acceptance liabilities
pihak ketiga third parties
Utang usaha Accounts payable
Uang muka dan Advances and
angsuran installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang Borrowings
diterima
Pinjaman yang Borrowings third
diterima pihak parties
ketiga
Pinjaman yang Borrowings related
diterima pihak parties
berelasi
Pinjaman yang Borrowings payables
diterima utang to clearing and
pada lembaga settlement guarantee
kliring dan institution
penjaminan
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Efek yang diterbitkan Securities issued
Utang obligasi 748,479,627,123 747,567,403,383 Bonds payable
Sukuk Sukuk
Obligasi Subordinated bonds
subordinasi
Surat utang jangka Medium term notes
menengah
Efek yang Others securities
diterbitkan lainnya issued
Liabilitas kontrak Insurance contract
asuransi liabilities
Utang perusahaan Securities company
efek payables
Provisi Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan Deferred income
ditangguhkan
Liabilitas sewa Finance lease liabilities
pembiayaan
Estimasi kerugian Estimated losses on
komitmen dan commitments and
kontinjensi contingencies
Beban akrual Accrued expenses
Utang pajak 15,303,781,023 19,533,476,679 Taxes payable
Liabilitas pajak Deferred tax liabilities
tangguhan
Liabilitas Tax amnesty liabilities
pengampunan pajak
Liabilitas lainnya 68,197,971,882 130,961,358,764 Other liabilities
Kewajiban imbalan 151,319,308,000 140,364,399,000 Post-employment benefit
pasca kerja obligations
Pinjaman Subordinated loans
subordinasi
Pinjaman 1,850,000,000,000 1,350,000,000,000 Subordinated loans
subordinasi pihak third parties
ketiga
Pinjaman Subordinated loans
subordinasi pihak related parties
berelasi
Jumlah liabilitas 19,078,580,011,208 18,883,377,392,156 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro Mudharabah
mudharabah current account
pihak ketiga third parties
Giro berjangka Mudharabah
mudharabah current account
pihak berelasi related parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan Mudharabah
mudharabah saving deposits
pihak ketiga third parties
Tabungan Mudharabah
mudharabah saving deposits
pihak berelasi related parties
Deposito Mudharabah time
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berjangka deposits
mudharabah
Deposito Mudharabah time
berjangka deposits third
mudharabah parties
pihak ketiga
Deposito Mudharabah time
berjangka deposits related
mudharabah parties
pihak berelasi
Bank Bank
Giro mudharabah Mudharabah current
account
Tabungan Mudharabah saving
mudharabah deposits (ummat)
(ummat)
Deposito berjangka Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Investasi Interbank
mudharabah antar mudharabah
bank investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah Subordinated
subordinasi mudharabah sukuk
Jumlah dana syirkah Total temporary
temporer syirkah funds
Jumlah akumulasi dana Total accumulated tabarru's
tabarru funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of
pemilik entitas induk parent entity
Saham biasa 1,327,117,600,000 1,261,022,200,000 Common stocks
Saham preferen Preferred stocks
Tambahan modal 11,965,836,253 11,965,836,253 Additional paid-in
disetor capital
Saham treasuri Treasury stocks
Uang muka Advances in capital
setoran modal stock
Opsi saham Stock options
Penjabaran Translation
laporan keuangan adjustment
Cadangan 189,192,362,563 189,192,362,563 Revaluation reserves
revaluasi
Cadangan selisih Reserve of exchange
kurs penjabaran differences on
translation
Cadangan Reserve for changes
perubahan nilai in fair value of fair
wajar aset value through other
keuangan nilai comprehensive
wajar melalui income financial
pendapatan assets
komprehensif
lainnya
Cadangan Reserve of gains
keuntungan (losses) from
(kerugian) investasi investments in equity
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pada instrumen instruments
ekuitas
Cadangan Reserve of
pembayaran share-based
berbasis saham payments
Cadangan lindung Reserve of cash flow
nilai arus kas hedges
Cadangan ( 111,259,755,582 ) ( 109,455,096,102 ) Reserve of
pengukuran remeasurements of
kembali program defined benefit plans
imbalan pasti
Cadangan lainnya Other reserves
Selisih Transaksi Difference Due to
Perubahan Ekuitas Changes of Equity in
Entitas Subsidiary/Associates
Anak/Asosiasi
Komponen ekuitas 14,951,321,007 30,024,321,007 Other components of
lainnya equity
Saldo laba Retained earnings
(akumulasi (deficit)
kerugian)
Saldo laba Appropriated
yang telah retained
ditentukan earnings
penggunaanya
Cadangan 384,477,151,993 343,445,095,557 General and
umum dan legal reserves
wajib
Cadangan Specific
khusus reserves
Saldo laba 224,120,099,570 250,007,952,011 Unappropriated
yang belum retained earnings
ditentukan
penggunaannya
Jumlah ekuitas 2,040,564,615,804 1,976,202,671,289 Total equity
yang attributable to
diatribusikan equity owners of
kepada pemilik parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan Non-controlling interests
non-pengendali
Jumlah ekuitas 2,040,564,615,804 1,976,202,671,289 Total equity
Jumlah liabilitas, dana 21,119,144,627,012 20,859,580,063,445 Total liabilities, temporary
syirkah temporer dan syirkah funds and equity
ekuitas
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[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan Statement of profit or loss and other
komprehensif lain comprehensive income
31 December 2024 31 December 2023
Laporan laba rugi dan Statement of profit or loss
penghasilan komprehensif and other comprehensive
lain income
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 2,412,362,747,419 2,178,029,432,842 Interest income
Beban bunga ( 1,038,945,293,687 ( 830,176,207,323 ) Interest expenses
)
Pendapatan pengelolaan Revenue from fund
dana oleh bank sebagai management as
mudharib mudharib
Hak pihak ketiga atas Third parties share on
bagi hasil dana syirkah return of temporary
temporer syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari Revenue from
premi asuransi insurance premiums
Premi reasuransi Reinsurance
premiums
Premi retrosesi Retrocession
premiums
Penurunan (kenaikan) Decrease (increase) in
premi yang belum unearned premiums
merupakan
pendapatan
Penurunan (kenaikan) Decrease (increase) in
pendapatan premi premium income
disesikan kepada ceded to reinsurancer
reasuradur
Pendapatan komisi Insurance commission
asuransi income
Pendapatan bersih Net investment
investasi income
Penerimaan ujrah Ujrah received
Pendapatan asuransi ( 33,916,167,013 ) ( 31,698,451,980 ) Other insurance
lainnya income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) Increase (decrease) in
estimasi liabilitas estimated claims
klaim liability
Kenaikan (penurunan) Increase (decrease) in
liabilitas manfaat polis liability for future
masa depan policy benefit
Kenaikan (penurunan) Increase (decrease) in
provisi yang timbul provision for losses
dari tes kecukupan arising from liability
liabilitas adequacy test
Kenaikan (penurunan) Increase (decrease) in
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liabilitas asuransi yang insurance liabilities
disesikan kepada ceded to reinsurers
reasuradur
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder in
unit-linked unit-linked contracts
Beban komisi asuransi Insurance commission
expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari Acquisition costs of
kontrak asuransi insurance contracts
Beban asuransi Other insurance
lainnya expenses
Pendapatan dari Financing income
pembiayaan
Pendapatan dari Revenue from
pembiayaan consumer financing
konsumen
Pendapatan dari sewa Revenue from finance
pembiayaan lease
Pendapatan dari sewa Revenue from
operasi operating lease
Pendapatan dari anjak Revenue from
piutang factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan Revenue from
penjamin emisi dan underwriting activities
penjualan efek and selling fees
Pendapatan Revenue from
pembiayaan transaksi financing transactions
nasabah
Pendapatan jasa biro Revenue from
administrasi efek securities
administration service
Pendapatan kegiatan Revenue from
jasa manajer investasi investment
management services
Pendapatan kegiatan Revenue from
jasa penasehat financial advisory
keuangan services
Keuntungan Realised gains
(kerugian) dari (losses) on trading of
transaksi marketable securities
perdagangan efek
yang telah direalisasi
Keuntungan Gains (losses) on
(kerugian) perubahan changes in fair value
nilai wajar efek of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi Investments income
Pendapatan provisi Provisions and
dan komisi dari commissions income
transaksi lainnya from transactions
selain kredit other than loan
Pendapatan transaksi Revenue from trading
perdagangan transactions
Pendapatan dividen Dividends income
Page 15
Keuntungan Realised gains
(kerugian) yang telah (losses) from
direalisasi atas derivative instruments
instrumen derivatif
Penerimaan kembali Revenue from
aset yang telah recovery of written-off
dihapusbukukan assets
Keuntungan Gains (losses) on
(kerugian) selisih kurs changes in foreign
mata uang asing exchange rates
Keuntungan Gains (losses) on
(kerugian) pelepasan disposal of property
aset tetap and equipment
Keuntungan Gains (losses) on
(kerugian) pelepasan disposal of foreclosed
agunan yang diambil assets
alih
Pendapatan 112,667,237,385 141,334,342,171 Other operating
operasional lainnya income
Pemulihan penyisihan Recovery of impairment
kerugian penurunan loss
nilai
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan financial assets
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan - financial assets
sewa pembiayaan finance lease
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset keuangan - financial assets
piutang pembiayaan consumer financing
konsumen receivables
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan
Pemulihan penyisihan Recovery of
kerugian penurunan impairment loss of
nilai aset non-financial assets
non-keuangan - repossessed
agunan yang diambil collaterals
alih
Pemulihan penyisihan Recovery of estimated
estimasi kerugian atas loss of commitments
komitmen dan and contingency
kontinjensi
Pembentukan kerugian Allowances for
penurunan nilai impairment losses
Pembentukan 29,754,699,705 21,197,371,222 Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset earnings assets
produktif
Pembentukan Allowances for
penyisihan kerugian impairment losses on
penurunan nilai aset non-earnings assets
non-produktif
Pembalikan (beban) Reversal (expense) of
estimasi kerugian estimated losses on
komitmen dan kontijensi commitments and
contingencies
Page 16
Beban operasional lai Other operating
nnya expenses
Beban umum dan ( 380,031,964,341 ) ( 394,919,703,688 ) General and
administrasi administrative
expenses
Beban penjualan Selling expenses
Beban sewa, Rent, maintenance
pemeliharaan, dan and improvement
perbaikan expenses
Beban provisi dan Other fees and
komisi commissions
expenses
Beban operasional ( 726,856,473,480 ) ( 675,864,176,630 ) Other operating
lainnya expenses
Jumlah laba operasional 375,034,785,988 407,902,606,614 Total profit from operation
Pendapatan dan beban Non-operating income and
bukan operasional expense
Pendapatan bukan 830,978,964 2,334,050,742 Non-operating income
operasional
Beban bukan operasional ( 75,238,054,862 ) ( 76,715,525,045 ) Non-operating expenses
Bagian atas laba (rugi) Share of profit (loss) of
entitas asosiasi yang associates accounted for
dicatat dengan using equity method
menggunakan metode
ekuitas
Bagian atas laba (rugi) Share of profit (loss) of
entitas ventura bersama joint ventures accounted
yang dicatat for using equity method
menggunakan metode
ekuitas
Jumlah laba (rugi) sebelum 300,627,710,090 333,521,132,311 Total profit (loss) before
pajak penghasilan tax
Pendapatan (beban) pajak ( 76,507,610,520 ) ( 83,513,180,300 ) Tax benefit (expenses)
Jumlah laba (rugi) dari 224,120,099,570 250,007,952,011 Total profit (loss) from
operasi yang dilanjutkan continuing operations
Laba (rugi) dari operasi yang Profit (loss) from
dihentikan discontinued operations
Jumlah laba (rugi) 224,120,099,570 250,007,952,011 Total profit (loss)
Pendapatan komprehensif Other comprehensive
lainnya, setelah pajak income, after tax
Pendapatan Other comprehensive
komprehensif lainnya income that will not be
yang tidak akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Pendapatan ( 2,313,666,000 ) ( 23,358,392,000 ) Other comprehensive
komprehensif lainnya income for gains
atas keuntungan (losses) on revaluation
(kerugian) hasil of property and
revaluasi aset tetap, equipment, after tax
setelah pajak
Pendapatan 509,006,520 5,138,846,240 Other comprehensive
komprehensif lainnya income for
atas pengukuran remeasurement of
kembali kewajiban defined benefit
manfaat pasti, setelah obligation, after tax
pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya
yang tidak akan
Page 17
direklasifikasi ke laba income that will not be
rugi, setelah pajak reclassified to profit or
loss, after tax
Jumlah pendapatan ( 1,804,659,480 ) ( 18,219,545,760 ) Total other
komprehensif comprehensive
lainnya yang tidak income that will not
akan direklasifikasi be reclassified to
ke laba rugi, setelah profit or loss, after
pajak tax
Pendapatan Other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Keuntungan Gains (losses) on
(kerugian) selisih kurs exchange differences
penjabaran, setelah on translation, after
pajak tax
Penyesuaian Reclassification
reklasifikasi selisih adjustments on
kurs penjabaran, exchange differences
setelah pajak on translation, after
tax
Keuntungan Unrealised gains
(kerugian) yang belum (losses) on changes in
direalisasi atas fair value through
perubahan nilai wajar other comprehensive
aset keuangan melalui income financial
penghasilan assets, after tax
komprehensif lain,
setelah pajak
Penyesuaian Reclassification
reklasifikasi atas aset adjustments on fair
keuangan nilai wajar value through other
melalui pendapatan comprehensive
komprehensif lainnya, income financial
setelah pajak assets, after tax
Keuntungan Gains (losses) on
(kerugian) lindung nilai cash flow hedges,
arus kas, setelah after tax
pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on cash
lindung nilai arus kas, flow hedges, after tax
setelah pajak
Nilai tercatat dari aset Carrying amount of
(liabilitas) non-financial asset
non-keuangan yang (liability) whose
perolehan atau acquisition or
keterjadiannya incurrence was
merupakan suatu hedged on highly
prakiraan transaksi probable forecast
yang kemungkinan transaction, adjusted
besar terjadi yang from equity, after tax
dilindung nilai, setelah
pajak
Keuntungan Gains (losses) on
(kerugian) lindung nilai hedges of net
investasi bersih investments in foreign
kegiatan usaha luar operations, after tax
negeri, setelah pajak
Penyesuaian Reclassification
reklasifikasi atas adjustments on
Page 18
lindung nilai investasi hedges of net
bersih kegiatan usaha investments in foreign
luar negeri, setelah operations, after tax
pajak
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas asosiasi income of associates
yang dicatat dengan accounted for using
menggunakan metode equity method, after
ekuitas, setelah pajak tax
Bagian pendapatan Share of other
komprehensif lainnya comprehensive
dari entitas ventura income of joint
bersama yang dicatat ventures accounted
dengan menggunakan for using equity
metode ekuitas, method, after tax
setelah pajak
Penyesuaian lainnya Other adjustments to
atas pendapatan other comprehensive
komprehensif lainnya income that may be
yang akan reclassified to profit or
direklasifikasi ke laba loss, after tax
rugi, setelah pajak
Jumlah pendapatan Total other
komprehensif comprehensive
lainnya yang akan income that may be
direklasifikasi ke reclassified to profit
laba rugi, setelah or loss, after tax
pajak
Jumlah pendapatan ( 1,804,659,480 ) ( 18,219,545,760 ) Total other
komprehensif lainnya, comprehensive income,
setelah pajak after tax
Jumlah laba rugi 222,315,440,090 231,788,406,251 Total comprehensive
komprehensif income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat 224,120,099,570 250,007,952,011 Profit (loss) attributable to
diatribusikan ke entitas parent entity
induk
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan ke non-controlling interests
kepentingan
non-pengendali
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
Laba rugi komprehensif 222,315,440,090 231,788,406,251 Comprehensive income
yang dapat diatribusikan attributable to parent
ke entitas induk entity
Laba rugi komprehensif Comprehensive income
yang dapat diatribusikan attributable to
ke kepentingan non-controlling interests
non-pengendali
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per
diatribusikan kepada share attributable to
pemilik entitas induk equity owners of the
parent entity
Laba (rugi) per saham 16,859 19,826 Basic earnings (loss)
dasar dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Basic earnings (loss)
dasar dari operasi per share from
Page 19
yang dihentikan discontinued
operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian per share
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dilanjutkan continuing operations
Laba (rugi) per saham Diluted earnings (loss)
dilusian dari operasi per share from
yang dihentikan discontinued
operations
Page 20
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas Statement of changes in equity
Advances in Reserve of exchange Reserve for changes in fair value of fair value Reserve of gains (losses) from Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions Other components
Preferred Additional paid-in Treasury Stock Translation Revaluation Other Other equity Appropriated retained Appropriated retained Unappropriated Equity attributable to Proforma Non-controlling
Common stocks capital differences on through other comprehensive income financial investments in equity share-based cash flow remeasurements of Equity in transactions with non-controlling with non-controlling of equity Equity
stocks capital stocks options adjustment reserves reserves interests earnings-general and legal reserves earnings-specific reserves retained earnings parent entity equity interests
stock translation assets instruments payments hedges defined benefit plans Subsidiary/Associates interests interests transactions
Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan keuntungan Cadangan Cadangan Cadangan pengukuran Selisih Transaksi Perubahan Kepentingan Transaksi dengan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Tambahan modal Saham Opsi Cadangan Cadangan selisih kurs Cadangan Selisih transaksi ekuitas dengan Proforma Kepentingan
Saham biasa setoran laporan nilai wajar melalui pendapatan komprehensif (kerugian) investasi pada pembayaran lindung nilai kembali program imbalan Ekuitas Entitas ekuitas pihak non-pengendali transaksi ekuitas penggunaannya-cadangan umum penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
preferen disetor treasuri saham revaluasi penjabaran lainnya pihak non-pengendali ekuitas non-pengendali
modal keuangan lainnya instrumen ekuitas berbasis saham arus kas pasti Anak/Asosiasi lainnya lainnya lainnya dan wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line
items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,261,022,200,000 11,965,836,253 189,192,362,563 ( 109,455,096,102 ) 30,024,321,007 343,445,095,557 250,007,952,011 1,976,202,671,289 1,976,202,671,289 Balance before restatement at
beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised
accounting standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting
policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 1,261,022,200,000 11,965,836,253 189,192,362,563 ( 109,455,096,102 ) 30,024,321,007 343,445,095,557 250,007,952,011 1,976,202,671,289 1,976,202,671,289 Equity position, beginning of the period
Laba (rugi) 224,120,099,570 224,120,099,570 224,120,099,570 Profit (loss)
Pendapatan komprehensif lainnya ( 1,804,659,480 ) ( 1,804,659,480 ) ( 1,804,659,480 ) Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum 41,032,056,436 ( 41,032,056,436 ) 0 Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas ( 200,975,895,575 ) ( 200,975,895,575 ) ( 200,975,895,575 Distributions of cash dividends
)
Distribusi dividen saham Distributions of stock dividends
Penerbitan saham biasa Issuance of common stocks
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through
treasury stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali 66,095,400,000 ( 51,022,400,000 51,022,400,000 Stock subscription from non-controlling
15,073,000,000 interests
)
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests
due to acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests
due to establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests
due to disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests
dihentikan due to disposal of a discontinued
operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya due to partial disposal of interests in
pengendalian subsidiaries without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests
kepentingan non-pengendali due to other transactions with
non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax
amnesty assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya ( 8,000,000,000 ) ( 8,000,000,000 ) ( 8,000,000,000 ) Other equity transactions
Posisi ekuitas, akhir periode 1,327,117,600,000 11,965,836,253 189,192,362,563 ( 111,259,755,582 ) 14,951,321,007 384,477,151,993 224,120,099,570 2,040,564,615,804 2,040,564,615,804 Equity position, end of the period
Page 21
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas Statement of changes in equity
Advances in Reserve of exchange Reserve for changes in fair value of fair value Reserve of gains (losses) from Reserve of Reserve of Reserve of Difference Due to Changes of Difference in value of equity Other transactions Other components
Preferred Additional paid-in Treasury Stock Translation Revaluation Other Other equity Appropriated retained Appropriated retained Unappropriated Equity attributable to Proforma Non-controlling
Common stocks capital differences on through other comprehensive income financial investments in equity share-based cash flow remeasurements of Equity in transactions with non-controlling with non-controlling of equity Equity
stocks capital stocks options adjustment reserves reserves interests earnings-general and legal reserves earnings-specific reserves retained earnings parent entity equity interests
stock translation assets instruments payments hedges defined benefit plans Subsidiary/Associates interests interests transactions
Uang muka Penjabaran Cadangan perubahan nilai wajar aset keuangan Cadangan keuntungan Cadangan Cadangan Cadangan pengukuran Selisih Transaksi Perubahan Kepentingan Transaksi dengan Komponen Saldo laba yang telah ditentukan Saldo laba yang telah ditentukan Saldo laba yang belum Ekuitas yang dapat
Saham Tambahan modal Saham Opsi Cadangan Cadangan selisih kurs Cadangan Selisih transaksi ekuitas dengan Proforma Kepentingan
Saham biasa setoran laporan nilai wajar melalui pendapatan komprehensif (kerugian) investasi pada pembayaran lindung nilai kembali program imbalan Ekuitas Entitas ekuitas pihak non-pengendali transaksi ekuitas penggunaannya-cadangan umum penggunaannya-cadangan ditentukan diatribusikan kepada Ekuitas
preferen disetor treasuri saham revaluasi penjabaran lainnya pihak non-pengendali ekuitas non-pengendali
modal keuangan lainnya instrumen ekuitas berbasis saham arus kas pasti Anak/Asosiasi lainnya lainnya lainnya dan wajib khusus penggunaannya entitas induk
Laporan perubahan ekuitas [baris komponen] Statement of changes in equity [line
items]
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian kembali 1,097,523,100,000 11,965,836,253 189,192,362,563 ( 91,235,550,342 ) 76,091,021,007 304,558,383,971 241,402,070,647 1,829,497,224,100 1,829,497,224,100 Balance before restatement at
beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi baru dan revisi Initial adoption of new and revised
accounting standards
Perubahan kebijakan akuntansi secara sukarela Voluntary changes in accounting
policies
Koreksi kesalahan periode lalu Correction of prior period errors
Penyesuaian lainnya Other adjustments
Posisi ekuitas, awal periode 1,097,523,100,000 11,965,836,253 189,192,362,563 ( 91,235,550,342 ) 76,091,021,007 304,558,383,971 241,402,070,647 1,829,497,224,100 1,829,497,224,100 Equity position, beginning of the period
Laba (rugi) 250,007,952,011 250,007,952,011 250,007,952,011 Profit (loss)
Pendapatan komprehensif lainnya ( 18,219,545,760 ) ( 18,219,545,760 ) ( 18,219,545,760 ) Other comprehensive income
Penjabaran laporan keuangan Translation adjustment
Pembentukan cadangan umum 38,886,711,586 ( 38,886,711,586 ) Allocation for general reserves
Pembentukan cadangan khusus Allocation for specific reserves
Distribusi dividen kas Distributions of cash dividends
Distribusi dividen saham ( 194,515,359,061 ) ( 194,515,359,061 ) ( 194,515,359,061 Distributions of stock dividends
)
Penerbitan saham biasa 163,499,100,000 ( 82,982,899,999 82,982,899,999 Issuance of common stocks
80,516,200,001
)
Penerbitan saham preferen Issuance of preferred stocks
Biaya emisi efek Stock issuance costs
Penerbitan instrumen yang dapat dikonversi Issuance of convertible instruments
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri Increase (decrease) in equity through
treasury stock transactions
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham Increase (decrease) in equity through
share-based payment transactions
Pelaksanaan instrumen yang dapat dikonversi Exercise of convertible instruments
Pelaksanaan waran 34,449,500,000 34,449,500,000 34,449,500,000 Exercise of warrants
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas Increase (decrease) in equity through
transactions with owner's equity
Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling
interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak Changes in non-controlling interests
due to acquisition of subsidiaries
Perubahan kepentingan non-pengendali atas pendirian entitas anak Changes in non-controlling interests
due to establishment of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan entitas anak Changes in non-controlling interests
due to disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang Changes in non-controlling interests
dihentikan due to disposal of a discontinued
operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian Changes in non-controlling interests
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya due to partial disposal of interests in
pengendalian subsidiaries without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan Changes in non-controlling interests
kepentingan non-pengendali due to other transactions with
non-controlling interests
Eliminasi defisit dalam rangka kuasi reorganisasi Elimination of deficit in connection with
quasi-reorganisation
Pelaksanaan opsi saham Stock options exercised
Dampak penerapan psak no. 70 atas aset pengampunan pajak Impact of psak no. 70 adoption on tax
amnesty assets
Saldo penyesuaian dampak penerapan retrospektif atas PSAK Retrospective adjustment of PSAK
implementation
Transaksi ekuitas lainnya ( 8,000,000,000 ) ( 8,000,000,000 ) ( 8,000,000,000 ) Other equity transactions
Posisi ekuitas, akhir periode 1,261,022,200,000 11,965,836,253 189,192,362,563 ( 109,455,096,102 ) 30,024,321,007 343,445,095,557 250,007,952,011 1,976,202,671,289 1,976,202,671,289 Equity position, end of the period
Page 22
[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry
Laporan arus kas Statement of cash flows
31 December 2024 31 December 2023
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas Cash flows from operating
operasi activities
Arus kas sebelum Cash flows before
perubahan dalam aset changes in operating
dan liabilitas operasi assets and liabilities
Penerimaan bunga, 2,412,362,747,419 2,178,029,432,842 Interest, investment
hasil investasi, provisi, income, fees and
dan komisi commissions received
Pembayaran bunga ( 1,038,945,293,687 ( 830,176,207,323 ) Payments Of Interest
dan bonus, provisi dan ) And Bonus Fees And
komisi Commissions
Bunga bank dan Interest from banks
deposito berjangka and time deposits
Penerimaan Revenue receipts from
pendapatan fund management as
pengelolaan dana mudharib
sebagai mudharib
Pembayaran bagi Payments of
hasil dana syirkah temporary syirkah
temporer funds
Penerimaan premi Receipts from
asuransi insurance premiums
Penerimaan klaim Receipts from
reasuransi reinsurance claims
Penerimaan Receipts (payments)
(pembayaran) komisi of commission
Penerimaan klaim Receipts from
retrosesi retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari Receipts from
(pembayaran kepada) (payments to) clearing
lembaga kliring dan and guarantee
penjaminan institution
Penerimaan dari Receipts from
(pembayaran kepada) (payments to)
nasabah customers
Pencairan Withdrawal
(penempatan) (placement) of
deposito pada deposits to clearing
lembaga kliring dan and guarantee
penjaminan institution
Pendapatan dari Income from other
transaksi operasional operating transactions
lainnya
Penerimaan kembali Recoveries of written
aset yang telah off assets
dihapusbukukan
Pembayaran biaya Payments for deferred
akuisisi ditangguhkan acquisition costs
Pembayaran atas ( 359,607,316,069 ) ( 380,194,687,431 ) Payments of finance
beban keuangan dan costs and bank
beban administrasi administration charges
Page 23
bank
Pembayaran gaji dan ( 611,009,543,305 ) ( 597,826,386,978 ) Payments for salaries
tunjangan and allowances
Pembayaran pajak ( 187,266,867,069 ) ( 161,316,308,391 ) Payments for
penghasilan badan corporate income tax
Pembayaran beban Payments for general
umum dan and administrative
administrasi expense
Laba (rugi) selisih kurs Foreign currency
gains (losses)
Penerimaan Refunds (payments)
pengembalian of income tax
(pembayaran) pajak
penghasilan
Pembayaran beban ( 43,238,054,862 ) ( 53,715,525,046 ) Payments for other
operasional lainnya operating expenses
Penerimaan Receipts from
pendapatan non-operating income
non-operasional
Pengembalian Repayment
(penempatan) uang (placement) of
jaminan refundable deposits
Penerimaan 143,252,916,054 164,865,764,134 Other cash inflows
(pengeluaran) kas (outflows) from
lainnya dari aktivitas operating activities
operasi
Penurunan (kenaikan) Decrease (increase) in
aset operasi operating assets
Penurunan (kenaikan) Decrease (increase) in
penempatan pada placements with other
bank lain dan Bank banks and Bank
Indonesia Indonesia
Penurunan (kenaikan) 525,958,964,626 ( 578,556,907,993 ) Decrease (increase) in
efek yang marketable securities
diperdagangkan
Penurunan (kenaikan) ( 11,119,154,750 ) ( 281,844,340,000 ) Decrease (increase) in
efek yang dibeli securities purchased
dengan janji dijual under resale
kembali agreements
Penurunan (kenaikan) Decrease (increase) in
investasi pemegang investment of
polis pada kontrak policyholder in
unit-linked unit-linked contracts
Penurunan (kenaikan) Decrease (increase) in
wesel ekspor dan bills and other
tagihan lainnya receivables
Penurunan (kenaikan) Decrease (increase) in
tagihan akseptasi acceptance
receivables
Penurunan (kenaikan) ( 1,312,530,300,629 ( 1,374,085,633,163 Decrease (increase) in
pinjaman yang ) ) loans
diberikan
Penurunan (kenaikan) Decrease (increase) in
piutang pembiayaan consumer financing
konsumen receivables
Penurunan (kenaikan) Decrease (increase) in
investasi sewa lease investments
Penurunan (kenaikan) Decrease (increase) in
tagihan anjak piutang factoring
Penurunan Decrease (increase)
(kenaikan) piutang in sharia financing
Page 24
dan pembiayaan and receivables
syariah
Penurunan Decrease
(kenaikan) piutang (increase) in
murabahah murabahah
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in
istishna istishna
receivables
Penurunan Decrease
(kenaikan) piutang (increase) in ijarah
ijarah receivables
Penurunan Decrease
(kenaikan) (increase) in qardh
pinjaman qardh funds
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan mudharabah
mudharabah financing
Penurunan Decrease
(kenaikan) (increase) in
pembiayaan musyarakah
musyarakah financing
Penurunan Decrease
(kenaikan) aset (increase) in ijarah
ijarah assets
Penurunan (kenaikan) Decrease (increase) in
piutang lainnya other receivables
Penurunan (kenaikan) Decrease (increase) in
agunan yang diambil foreclosed assets
alih
Penurunan (kenaikan) Decrease (increase) in
tagihan derivatif derivative receivables
Penurunan (kenaikan) Decrease (increase) in
aset reasuransi reinsurance assets
Penurunan (kenaikan) 55,259,097,035 ( 68,229,384,677 ) Decrease (increase) in
aset lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) ( 17,451,859,195 ) ( 12,847,065,832 ) Increase (decrease) in
liabilitas segera obligations due
immediately
Kenaikan (penurunan) ( 476,770,104,560 ) ( 672,510,942,038 ) Increase (decrease) in
giro dan tabungan current accounts and
simpanan nasabah customers savings
Kenaikan (penurunan) Increase (decrease) in
deposito berjangka customers time
nasabah deposits
Kenaikan (penurunan) Increase (decrease) in
giro wadiah simpanan customers wadiah
nasabah demand deposits
Kenaikan (penurunan) Increase (decrease) in
tabungan wadiah customers wadiah
simpanan nasabah saving deposits
Kenaikan (penurunan) Increase (decrease) in
deposito wakalah customers wakalah
simpanan nasabah deposits
Kenaikan (penurunan) 235,229,588,604 16,616,679,242 Increase (decrease) in
simpanan dari bank other banks saving
lain deposits
Page 25
Kenaikan (penurunan) Increase (decrease) in
giro mudharabah mudharabah current
account
Kenaikan (penurunan) Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 9,320,944,000 283,091,146,000 Increase (decrease) in
efek yang dijual securities sold under
dengan janji dibeli repurchase agreement
kembali
Kenaikan (penurunan) Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) Increase (decrease) in
liabilitas pemegang liabilities to
polis pada kontrak policyholder on
unit-linked unit-linked contracts
Kenaikan (penurunan) Increase (decrease) in
liabilitas derivatif derivative payables
Kenaikan (penurunan) Increase (decrease) in
dana syirkah temporer temporary syirkah
funds
Kenaikan (penurunan) 437,236,613,118 912,951,931,525 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih ( 239,317,623,270 ) ( 1,455,748,435,129 Total net cash flows
yang diperoleh dari ) received from (used in)
(digunakan untuk) operating activities
aktivitas operasi
Arus kas dari aktivitas Cash flows from investing
investasi activities
Penerimaan dari Proceeds from equity
penyertaan saham dalam investments classified as
klasifikasi biaya amortized cost and fair
perolehan diamortisasi value through other
dan nilai wajar melalui comprehensive income
pendapatan komprehensif
lainnya
Pencairan (penempatan) Withdrawal (placement)
obligasi dan (atau) sukuk of bonds and (or) sukuk
Penerimaan dividen dari Dividends received from
aktivitas investasi investing activities
Penerimaan dari Proceeds from disposal
penjualan (perolehan) (acquisition) of
properti investasi investment properties
Penerimaan dari ( 105,423,410,744 ) ( 160,140,817,600 ) Proceeds from disposal
penjualan (perolehan) (acquisition) of property
aset tetap and equipment
Penerimaan dari ( 1,083,915,000 ) ( 4,176,230,195 ) Proceeds from disposal
penjualan (perolehan) (acquisition) of intangible
aset takberwujud selain assets other than goodwill
goodwill
Pencairan (penempatan) Withdrawal (placement)
aset keuangan nilai wajar of financial assets fair
melalui pendapatan value through other
komprehensif lainnya comprehensive income
Penempatan aset Placement of financial
keuangan biaya assets amotized cost
perolehan diamortisasi investments
Pencairan aset keuangan Withdrawal of financial
biaya perolehan assets amortized cost
diamortisasi investments
Penerimaan dari Receipts from (payments
Page 26
(pembayaran kepada) for) policy loans pinjaman polis Pembayaran untuk Payments for acquisition perolehan entitas anak of subsidiaries Penerimaan dari Proceeds from sales of pelepasan entitas anak subsidiaries Pembayaran untuk Payments for acquisition perolehan tambahan of additional interests in kepemilikan pada entitas subsidiaries anak Pencairan (penempatan) Withdrawal (placement) efek-efek yang of marketable securities diperdagangkan Penerimaan dari Proceeds from sales of pelepasan kepentingan di interests in subsidiaries entitas anak tanpa without loss of control hilangnya pengendalian from investing activities dari kegiatan investasi Pembayaran untuk Payments for acquisition perolehan kepemilikan of interests in associates pada entitas asosiasi Penerimaan dari Proceeds from sales of pelepasan kepemilikan interests in associates pada entitas asosiasi Penerimaan Other cash inflows (pengeluaran) kas lainnya (outflows) from investing dari aktivitas investasi activities Jumlah arus kas bersih ( 106,507,325,744 ) ( 164,317,047,795 ) Total net cash flows yang diperoleh dari received from (used in) (digunakan untuk) investing activities aktivitas investasi Arus kas dari aktivitas Cash flows from financing pendanaan activities Kenaikan (penurunan) Increase (decrease) in efek yang diterbitkan securities issued Penerbitan sukuk Issuance of mudharabah mudharabah sukuk Penempatan sertifikat Placement of certificate of investasi mudharabah mudharabah investments Biaya emisi sukuk Issuance cost of mudharabah mudharabah sukuk Penerimaan pinjaman Proceeds from yang diterima borrowings Pembayaran pinjaman Payments for borrowings yang diterima Penerimaan pinjaman Proceeds from subordinasi subordinated loans Pembayaran pinjaman Payments of subordinasi subordinated loans Pembayaran bunga Payments of interests pinjaman from borrowings Penerimaan dari Proceeds from bonds penerbitan obligasi issuance Pembayaran utang Payments of bonds obligasi payable Pembayaran biaya emisi Payments of bonds penerbitan obligasi issuance costs Obligasi subordinasi yang Subordinated bonds diterbitkan issued Pembayaran obligasi Payments of
Page 27
subordinasi subordinated bonds
Biaya emisi obligasi Subordinated bonds
subordinasi yang issuance costs
diterbitkan
Penerimaan dari surat Proceeds from medium
utang jangka menengah term notes
Pembayaran dari surat Payments of medium
utang jangka menengah term notes
Penerimaan dari 912,223,740 912,223,740 Proceeds from issuance
penerbitan saham baru of new stocks
Pembayaran biaya emisi Payments of stock
saham issuance costs
Penerimaan setoran 51,022,400,000 117,432,400,000 Proceeds from capital
modal contributions
Penerimaan dari Proceed from increase of
penambahan kepemilikan non-controlling interest
dari non-pengendali
Penjualan (pembelian) Sales (purchase) of
dari saham tresuri treasury stocks
Penerimaan dari program Proceeds from employee
opsi saham karyawan stock options program
Penyelesaian Settlement (placement) of
(penempatan) transaksi derivative transactions
derivatif
Pembayaran dividen dari ( 200,975,895,575 ) ( 194,515,359,061 ) Dividends paid from
aktivitas pendanaan financing activities
Penerimaan ( 40,000,000,000 ) ( 31,000,000,000 ) Other cash inflows
(pengeluaran) kas lainnya (outflows) from financing
dari aktivitas pendanaan activities
Jumlah arus kas bersih ( 189,041,271,835 ) ( 107,170,735,321 ) Total net cash flows
yang diperoleh dari received from (used in)
(digunakan untuk) financing activities
aktivitas pendanaan
Jumlah kenaikan ( 534,866,220,849 ) ( 1,727,236,218,245 Total net increase
(penurunan) bersih kas ) (decrease) in cash and
dan setara kas cash equivalents
Kas dan setara kas arus kas, 2,376,962,689,744 4,104,198,907,989 Cash and cash equivalents
awal periode cash flows, beginning of the
period
Efek perubahan nilai kurs Effect of exchange rate
pada kas dan setara kas changes on cash and cash
equivalents
Kas dan setara kas dari Cash and cash equivalent of
entitas anak yang deconsolidated subsidiaries
didekonsolidasikan
Kenaikan (penurunan) kas Other increase (decrease) in
dan setara kas lainnya cash and cash equivalents
Kas dan setara kas arus 1,842,096,468,895 2,376,962,689,744 Cash and cash equivalents
kas, akhir periode cash flows, end of the
period
Page 28
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
31 December 2024
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Basis of preparation of consolidated
financial statements
Prinsip-prinsip konsolidasi Principles of consolidation
Kas dan setara kas Cash and cash equivalents
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Foreign currency translation
Transaksi dengan pihak berelasi Transactions with related parties
Pajak penghasilan Income taxes
Pinjaman Borrowings
Provisi Provisions
Imbalan kerja karyawan Employee benefits
Laba per saham Earnings per share
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru The implementation of new
statements of accounting standards
Kombinasi bisnis Business combination
Penentuan nilai wajar Determination of fair value
Transaksi dan saldo dalam mata uang asing Foreign currency transactions and
balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank
Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and
other banks
Efek-efek Securities
Investasi jangka pendek Short-term investment
Aset hak guna Right of use assets
Properti investasi Investment properties
Goodwill Goodwill
Page 29
Investasi pada entitas asosiasi Investment in associates
Aset takberwujud Intangible assets
Beban dibayar dimuka Prepaid expenses
Piutang dan utang asuransi Insurance receivables and payables
Piutang pembiayaan konsumen Consumer financing receivables
Liabilitas atas kontrak Contract liabilities
Simpanan nasabah dan simpanan dari bank lain Deposits from customers and
deposits from other banks
Obligasi subordinasi Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell
agreements
Saham treasuri Treasury stock
Modal saham Share capital
Pengaturan pembayaran berbasis saham Share-based payment arrangement
Biaya emisi efek ekuitas Stock issuance cost
Instrumen keuangan Financial instruments
Aset tidak lancar yang diklasifikasikan sebagai dimiliki Non-current assets classified as held
untuk dijual for sale
Peristiwa setelah tanggal periode pelaporan Events after reporting period
Penerapan standar akuntansi baru Adoption of new accounting
standards
Standar akuntansi yang telah disahkan namun belum Accounting standards issued but not
berlaku efektif yet effective
Utang pembiayaan konsumen Consumer financing liabilities
Page 30
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset Aset
tetap tetap tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 31
depresiasi Bangunan dan fasilitasnya, dimiliki langsung Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap Property, plant, and equipment Carrying amount
Page 32
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry - Prior Year
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset Penambahan aset Pengurangan aset Reklasifikasi aset Penjabaran laporan keuangan aset Entitas anak baru aset Revaluasi aset Penurunan (pemulihan) nilai aset Aset
tetap tetap tetap tetap tetap tetap tetap tetap tetap
Nilai perolehan, Tanah, dimiliki langsung Land, directly owned Carrying amount, gross
kotor Bangunan dan fasilitasnya, dimiliki langsung Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap Property, plant, and equipment
Akumulasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated
Page 33
depresiasi Bangunan dan fasilitasnya, dimiliki langsung Building and leasehold improvement, directly owned depreciation
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki Furniture and office equipment, directly owned
langsung
Kendaraan bermotor, dimiliki langsung Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki Telecommunication Infrastructure, directly owned
langsung
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna Others, right of use assets
Aset hak guna Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under
construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam Telecommunication Infrastructure, assets under
penyelesaian construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap Property, plant, and equipment Carrying amount
Page 34
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
31 December 2024
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant
and equipment
Page 35
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia
Industry
31 December 2024
Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans
Jumlah Pinjam
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Rupiah Perindustrian
Perdagangan,
restoran dan
hotel
Pertanian
Jasa dunia
usaha
Konstruksi
Pengangkutan,
pergudangan
dan
komunikasi
Listrik, gas dan
air
Jasa sosial
Pertambangan
Properti
Lain-lain
Subjumlah
Pinjaman
berdasarkan
sektor
ekonomi
Mata Perindustrian
uang Perdagangan,
asing restoran dan
hotel
Page 36
Pertanian
Jasa dunia
usaha
Konstruksi
Pengangkutan,
pergudangan
dan
komunikasi
Listrik, gas dan
air
Jasa sosial
Pertambangan
Properti
Lain-lain
Subjumlah
Pinjaman
berdasarkan
sektor
ekonomi
31 December 2024
Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loan
Jumlah Pinj
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
Subjumlah Subjumlah
Seluruh Pinjaman
Mata berdasarkan
Uang sektor
ekonomi
31 December 2024
Pinjaman berdasarkan sektor ekonomi Loans by e
Page 37
Current Special mention Substandard Doubtful Loss Total Loans by collectibil
Jumlah Pinjaman berdasar
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Jumlah
pinjaman
berdasarkan
sektor
ekonomi
Jumlah
pinjaman,
kotor
Cadangan
kerugian
penurunan
nilai pada
pinjaman
yang
diberikan
Jumlah
pinjaman,
bersih
Page 38
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
31 December 2024 31 December 2023
Informasi penting lainnya Loans other
information
Tingkat suku bunga rata-rata (yield) dan kisaran Annual average
bagi hasil per tahun yield rate and
indicative profit
sharing
Tingkat suku bunga rata-rata per tahun Annual yield
rate
Tingkat suku bunga rata-rata per tahun rupiah Annual
yield rate of
rupiah loans
Tingkat suku bunga rata-rata per tahun mata Annual
uang asing yield rate of
foreign
currencies
loans
Kisaran bagi hasil per tahun Annual
indicative
profit sharing
Kisaran bagi hasil per tahun piutang Indicative
murabahan dan istishna profit
sharing of
murabahah
and istishna
receivables
Kisaran bagi hasil per tahun pembiayaan Indicative
musyarakah profit
sharing of
musyarakah
financing
Kisaran bagi hasil per tahun pembiayaan Indicative
syariah lainnya profit
sharing of
other sharia
financing
Cadangan kerugian penurunan nilai Movement of
allowance for
impairment
Page 39
losses on loans
Cadangan kerugian penurunan nilai, awal periode Allowance for
impairment of
losses,
beginning
period
Pembentukan selama tahun berjalan Provision
during the year
of allowance
for impairment
losses on loans
Penghapusbukuan Writing off of
allowance for
impairment
losses on loans
Pemulihan pinjaman yang telah dihapusbukukan Recoveries of
written-off of
allowance for
impairment
losses on loans
Cadangan lain-lain Others
allowance for
impairment
losses on loans
Dampak selisih akibat perbedaan kurs terhadap Foreign
cadangan kerugian penurunan nilai pinjaman exchange
diberikan translation
impact on
allowance for
impairment
losses on loans
Cadangan kerugian penurunan nilai, akhir Allowance for
periode impairment of
losses, ending
period
Rasio pinjaman Loan ratios
Non-performing financing - gross Non-performing
financing -
gross
Non-performing financing - net Non-performing
financing - net
Page 40
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
31 December 2024 31 December 2023
Giro dan giro wadiah Current accounts and wadiah demand Giro dan giro wadiah Current accounts and wadiah demand
deposits deposits
Giro Pihak Rupiah Rupiah Related Current accounts Giro Pihak Rupiah Rupiah Related Current accounts
berelasi Mata uang asing Foreign currencies parties berelasi Mata uang asing Foreign currencies parties
Subjumlah Seluruh Mata Subtotal on all Subjumlah Seluruh Mata Subtotal on all
Uang Currencies Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign currencies parties ketiga Mata uang asing Foreign currencies parties
Subjumlah Seluruh Mata Subtotal on all Subjumlah Seluruh Mata Subtotal on all
Uang Currencies Uang Currencies
Giro Pihak Rupiah Rupiah Related Wadiah demand Giro Pihak Rupiah Rupiah Related Wadiah demand
wadiah berelasi Mata uang asing Foreign currencies parties deposits wadiah berelasi Mata uang asing Foreign currencies parties deposits
Subjumlah Seluruh Mata Subtotal on all Subjumlah Seluruh Mata Subtotal on all
Uang Currencies Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign currencies parties ketiga Mata uang asing Foreign currencies parties
Subjumlah Seluruh Mata Subtotal on all Subjumlah Seluruh Mata Subtotal on all
Uang Currencies Uang Currencies
31 December 2024 31 December 2023
Giro dan giro wadiah Current accounts and wadiah Giro dan giro wadiah Current accounts and wadiah
demand deposits demand deposits
Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on all Current accounts Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on all Current accounts
Seluruh Pihak Mata Uang Currencies Parties Seluruh Pihak Mata Uang Currencies Parties
Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on all Wadiah demand Giro Subjumlah Subjumlah Seluruh Subtotal on all Subtotal on all Wadiah demand
wadiah Seluruh Pihak Mata Uang Currencies Parties deposits wadiah Seluruh Pihak Mata Uang Currencies Parties deposits
Page 41
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
31 December 2024 31 December 2023
Tabungan dan tabungan wadiah Savings deposits and wadiah Tabungan dan tabungan wadiah Savings deposits and wadiah
savings deposits savings deposits
Tabungan Pihak Rupiah Rupiah Related Savings Tabungan Pihak Rupiah Rupiah Related Savings
berelasi Mata uang asing Foreign parties deposits berelasi Mata uang asing Foreign parties deposits
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tabungan Pihak Rupiah Rupiah Related Wadiah Tabungan Pihak Rupiah Rupiah Related Wadiah
wadiah berelasi Mata uang asing Foreign parties savings wadiah berelasi Mata uang asing Foreign parties savings
currencies deposits currencies deposits
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign parties ketiga Mata uang asing Foreign parties
currencies currencies
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
31 December 2024 31 December 2023
Tabungan dan tabungan wadiah Savings deposits and wadiah Tabungan dan tabungan wadiah Savings deposits and wadiah
savings deposits savings deposits
Tabungan Subjumlah Subjumlah Subtotal on all Subtotal on Savings Tabungan Subjumlah Subjumlah Subtotal on all Subtotal on Savings
Seluruh Pihak Seluruh Mata Currencies all Parties deposits Seluruh Pihak Seluruh Mata Currencies all Parties deposits
Page 42
Uang Uang
Tabungan Subjumlah Subjumlah Subtotal on all Subtotal on Wadiah Tabungan Subjumlah Subjumlah Subtotal on all Subtotal on Wadiah
wadiah Seluruh Pihak Seluruh Mata Currencies all Parties savings wadiah Seluruh Pihak Seluruh Mata Currencies all Parties savings
Uang deposits Uang deposits
Page 43
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
31 December 2024 31 December 2023
Deposito berjangka dan deposito Time deposits and wakalah Deposito berjangka dan deposito Time deposits and wakalah
wakalah deposits wakalah deposits
Deposito Pihak Rupiah Rupiah Related Time Deposito Pihak Rupiah Rupiah Related Time
berjangka berelasi Mata uang asing Foreign currencies parties deposits berjangka berelasi Mata uang asing Foreign currencies parties deposits
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign currencies parties ketiga Mata uang asing Foreign currencies parties
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Deposito Pihak Rupiah Rupiah Related Wakalah Deposito Pihak Rupiah Rupiah Related Wakalah
wakalah berelasi Mata uang asing Foreign currencies parties deposits wakalah berelasi Mata uang asing Foreign currencies parties deposits
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Pihak Rupiah Rupiah Third Pihak Rupiah Rupiah Third
ketiga Mata uang asing Foreign currencies parties ketiga Mata uang asing Foreign currencies parties
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
31 December 2024 31 December 2023
Deposito berjangka dan deposito Time deposits and wakalah Deposito berjangka dan deposito Time deposits and wakalah
wakalah deposits wakalah deposits
Deposito Subjumlah Subjumlah Subtotal on all Subtotal on Time Deposito Subjumlah Subjumlah Subtotal on all Subtotal on Time
berjangka Seluruh Pihak Seluruh Mata Currencies all Parties deposits berjangka Seluruh Pihak Seluruh Mata Currencies all Parties deposits
Uang Uang
Deposito Subjumlah Subjumlah Subtotal on all Subtotal on Wakalah Deposito Subjumlah Subjumlah Subtotal on all Subtotal on Wakalah
wakalah Seluruh Pihak Seluruh Mata Currencies all Parties deposits wakalah Seluruh Pihak Seluruh Mata Currencies all Parties deposits
Uang Uang
Page 44
Page 45
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
31 December 2024 31 December 2023
Tingkat bunga rata-rata per tahun Annual average interest rate Tingkat bunga rata-rata per tahun Annual average interest rate
dana pihak ketiga third party funds dana pihak ketiga third party funds
Tingkat bunga giro Rupiah Rupiah Current accounts Tingkat bunga giro Rupiah Rupiah Current accounts
Mata uang asing Foreign currencies interest rate Mata uang asing Foreign currencies interest rate
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand
Mata uang asing Foreign currencies deposits return Mata uang asing Foreign currencies deposits return
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga tabungan Rupiah Rupiah Savings deposits Tingkat bunga tabungan Rupiah Rupiah Savings deposits
Mata uang asing Foreign currencies interest rate Mata uang asing Foreign currencies interest rate
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil tabungan Rupiah Rupiah Wadiah savings Imbal hasil tabungan Rupiah Rupiah Wadiah savings
wadiah Mata uang asing Foreign currencies deposits return wadiah Mata uang asing Foreign currencies deposits return
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Tingkat bunga deposito Rupiah Rupiah Time deposits Tingkat bunga deposito Rupiah Rupiah Time deposits
berjangka Mata uang asing Foreign currencies interest rate berjangka Mata uang asing Foreign currencies interest rate
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Imbal hasil deposito Rupiah Rupiah Wakalah deposits Imbal hasil deposito Rupiah Rupiah Wakalah deposits
wakalah Mata uang asing Foreign currencies return wakalah Mata uang asing Foreign currencies return
Subjumlah Seluruh Subtotal on all Subjumlah Seluruh Subtotal on all
Mata Uang Currencies Mata Uang Currencies
Page 46
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
31 December 2024 31 December 2023
Pendapatan bunga dan syariah Interest and
sharia income
Pendapatan bunga Interest
income
Kredit yang diberikan Loans
interest
income
Obligasi pemerintah Government
bonds
interest
income
Pendapatan pembiayaan konsumen Consumer
financing
receivables
- net interest
income
Efek-efek Marketable
securities
income
Penempatan pada Bank Indonesia dan bank lain Placements
with Bank
Indonesia
and other
banks
income
Lain-lain Other
interest
income
Subjumlah pendapatan bunga Subtotal
interest
income
Pendapatan syariah dan pendapatan pengelolaan Sharia income
dana oleh bank sebagai mudharib
Pendapatan keuntungan murabahah dan Murabahah
pendapatan bersih istishna and istishna
income
Pendapatan bagi hasil musyarakah Musyrakah
Page 47
profit
sharing
Pendapatan bagi hasil mudharabah Mudharabah
profit
sharing
Pendapatan ujrah dari pinjaman qardh Ujrah
income from
qardh
financing
Pendapatan bersih ijarah Ijarah
income
Lain-lain Other sharia
income
Subjumlah pendapatan syariah dan Subtotal
pendapatan pengelolaan dana oleh bank sharia
sebagai mudharib income
Jumlah pendapatan bunga dan syariah Total interest
and sharia
income
Page 48
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
31 December 2024 31 December 2023
Beban bunga dan syariah Interest and
sharia expense
Beban bunga Interest
expense
Deposito berjangka Time
deposits
interest
expense
Tabungan Saving
deposits
interest
expense
Pinjaman yang diterima Borrowings
interest
expense
Premi penjaminan dana pihak ketiga Premium on
third party
fund
guarantees
Giro Current
accounts
interest
expense
Efek-efek yang diterbitkan Securities
issued
interest
expense
Pinjaman dan efek-efek subordinasi Subordinated
securities
interest
expense
Lain-lain Others
interest
expense
interest
expense
Subjumlah beban bunga Subtotal
interest
Page 49
expense
Beban syariah dan hak pihak ketiga atas bagi Sharia expense
hasil dana syirkah temporer
Beban deposito mudharabah Mudharabah
deposits
expense
Beban tabungan mudharabah Mudharabah
savings
expense
Beban giro mudharabah Mudharabah
demand
deposits
expense
Beban pinjamam mudharabah Mudharabah
financing
expense
Beban investasi terikat Related
investment
expense
Musytarakah - mudharabah musytarakah Musytarakah
-
mudharabah
musytarakah
expense
Sertifikat investasi mudharabah antarbank Mudharabah
investment
certificate
expense
Sukuk Sukuk
expense
Piutang murabahah Murabahah
receivables
expense
Pinjaman qardh Qardh fund
expense
Lain-lain Other sharia
expense
Subjumlah beban syariah dan hak pihak Subtotal
ketiga atas bagi hasil dana syirkah temporer sharia
expense
Jumlah beban bunga dan syariah Total interest
and sharia
expense
Names mentioned 6 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Hananta Budianto dan Rekan
p.3
unresolved
org
Hananta Budianto
p.3
unresolved
org
Bank Indonesia
p.4 ×12
unresolved
org
Bank Indonesia Giro
p.4
unresolved
org
Bank Giro
p.11
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FinancialStatement-2024-Tahunan-BSLT.xlsx
done
inlineXBRL.zip
done
instance.zip
done
LAI BSG 2024.pdf
done