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Financial statement Text extracted BBRI

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Page 1
Nomor Surat                       B. 3744-DIR/FMA/10/24
Nama Emiten                       PT Bank Rakyat Indonesia (Persero) Tbk
Kode Emiten                       BBRI
Perihal                           Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit



Perseroan dengan ini menyampaikan laporan keuangan untuk periode 9 Bulan yang berakhir pada 30/09/2024 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               Perusahaan        Jakarta         1999           Aktif              54.505.869     JUTAAN         IDR        99.99
    Permodalan       Pembiayaan
    Nasional
    Madani (PNM)
  2 PT. Asuransi     Asuransi          Jakarta         1987            Aktif             25.636.002     JUTAAN         IDR           51.0
    BRI Life (BRI
    Life)
  3 PT BRI         Perusahaan          Jakarta         1983            Aktif               9.057.071    JUTAAN         IDR           98.88
    Multifinance   Pembiayaan
    Indonesia
    (BRI Finance)
  4 PT BRI         Perusahaan          Jakarta         2018            Aktif               2.429.539    JUTAAN         IDR           99.97
    Ventura       Modal Ventura
    Investama
    (BRI
    Ventures)
  5 PT BRI         Perusahaan          Jakarta         2018            Aktif               1.174.930    JUTAAN         IDR           67.0
    Danareksa       Sekuritas
    Sekuritas
    (BRIDS)
  6 PT BRI           Asuransi          Jakarta         2019            Aktif               6.465.609    JUTAAN         IDR           90.0
    Asuransi
    Indonesia
    (BRI
    Insurance)
  7 PT Pegadaian Perusahaan            Jakarta         1991            Aktif             99.846.402     JUTAAN         IDR           99.99
                   Pembiayaan
  8 PT BRI         Pengelolaan         Jakarta         1992            Aktif                300.914     JUTAAN         IDR           65.0
    Manajemen       Portofolio
    Investasi       Investasi
    (BRI-MI)
  9 PT Bank Raya Perbankan             Jakarta         1990            Aktif             12.859.811     JUTAAN         IDR           86.85
    Indonesia Tbk
 10 BRI Global        Jasa           Hongkong          2005            Aktif                  35.363    JUTAAN         IDR           100.0
    Financial       Keuangan
    Services
    Co.Ltd (BRI
    Remittance)




Dokumen ini merupakan dokumen resmi PT Bank Rakyat Indonesia (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara

           elektronik. PT Bank Rakyat Indonesia (Persero) Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
Page 2
[1000000] General information


Informasi umum                                                               General information
                                             30 September 2024
Informasi umum                                                                          General information
   Nama entitas                   PT Bank Rakyat Indonesia (Persero) Tbk                      Entity name
   Penjelasan perubahan nama                                                    Explanation of change in
   dari akhir periode laporan                                                  name from the end of the
   sebelumnya                                                                 preceding reporting period
   Kode entitas                                  BBRI                                          Entity code
   Nomor identifikasi entitas                   AA426                        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      Saham dan Obligasi / Stock and 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 grup / Group entity                Whether the financial
  keuangan satu entitas atau                                                        statements are of an
  suatu kelompok entitas                                                   individual entity or a group of
                                                                                                    entities
  Periode penyampaian                    Kuartal III / Third Quarter                   Period of financial
  laporan keuangan                                                              statements submissions
  Tanggal Surat Pernyataan                                                   Date Of Board Of Directors'
  Direksi                                                                               Statement Letter
  Tanggal awal periode                       January 01, 2024                   Current period start date
  berjalan
  Tanggal akhir periode                    September 30, 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                    September 30, 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                                               Conversion rate at reporting
  pelaporan jika mata uang                                                 date if presentation currency
  penyajian selain rupiah                                                             is other than rupiah
  Pembulatan yang digunakan                  Jutaan / In Million              Level of rounding used in
  dalam penyajian jumlah                                                             financial statements
  dalam laporan keuangan
  Jenis laporan atas laporan              Tidak Diaudit / Unaudit             Type of report on financial
  keuangan                                                                                   statements
  Jenis opini auditor                                                          Type of auditor's opinion
Page 3
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                            Any Key Audit Matters
                                                                Opinion
Jumlah Hal Audit Utama                         Total Key Audit Matters
Paragraf Hal Audit Utama                  Key Audit Matters Paragraph
Tanggal laporan audit atau                  Date of auditor's opinion or
hasil laporan review                             result of review report
Auditor tahun berjalan                             Current year auditor
Nama partner audit tahun                    Name of current year audit
berjalan                                                 signing partner
Lama tahun penugasan                       Number of years served as
partner yang                                       audit signing partner
menandatangani
Auditor tahun sebelumnya                               Prior year auditor
Nama partner audit tahun                       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.
Page 4
[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry


Laporan posisi keuangan                                          Statement of financial position
                                   30 September 2024    31 December 2023
Laporan posisi keuangan                                                        Statement of financial position
  Aset                                                                                               Assets
     Kas                                 22,762,982           31,603,784                           Cash
     Dana yang dibatasi                                                                 Restricted funds
     penggunaannya
     Giro pada Bank Indonesia            68,475,029          101,909,121      Current accounts with Bank
                                                                                                  Indonesia
     Giro pada bank lain                                                          Current accounts with
                                                                                              other banks
        Giro pada bank lain              51,671,682           21,883,660         Current accounts with
        pihak ketiga                                                          other banks third parties
        Giro pada bank lain                  766,774             448,259         Current accounts with
        pihak berelasi                                                              other banks related
                                                                                                 parties
          Cadangan kerugian                ( 32,955 )            ( 9,984 )   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                54,324,027           62,297,819         Placements with Bank
          Bank Indonesia dan                                                       Indonesia and other
          bank lain pihak ketiga                                                     banks third parties
          Penempatan pada                  1,953,064           2,927,441         Placements with Bank
          Bank Indonesia dan                                                       Indonesia and other
          bank lain pihak                                                         banks related parties
          berelasi
          Cadangan kerugian                 ( 1,239 )            ( 1,860 ) Allowance for impairment
          penurunan nilai pada                                                 losses for placements
          penempatan pada                                                           with other banks
          bank lain
     Piutang asuransi                                                              Insurance receivables
          Piutang asuransi pihak                                                 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                   60,557,471           74,551,024         Marketable securities
        diperdagangkan pihak                                                             third parties
        ketiga
        Efek-efek yang                  234,453,649          256,540,280         Marketable securities
        diperdagangkan pihak                                                           related parties
        berelasi
        Cadangan kerugian                  ( 50,476 )           ( 81,510 ) Allowance for impairment
        penurunan nilai pada                                                   losses for marketable
Page 5
     efek-efek yang                                                                securities
     diperdagangkan
Investasi pemegang polis                                      Investments of policyholder
pada kontrak unit-linked                                            in unit-linked contracts
Efek yang dibeli dengan          10,112,129       33,595,231 Securities purchased under
janji dijual kembali                                                   agreement to resale
Wesel ekspor dan                                             Bills and other receivables
tagihan lainnya
     Wesel ekspor dan            36,013,719       35,144,761               Bills and other
     tagihan lainnya pihak                                        receivables third parties
     ketiga
     Wesel ekspor dan              3,446,363      18,750,643               Bills and other
     tagihan lainnya pihak                                           receivables related
     berelasi                                                                       parties
     Cadangan kerugian          ( 1,208,241 )    ( 2,323,916 ) Allowance for impairment
     penurunan nilai pada                                       losses for bills and other
     wesel ekspor dan                                                          receivables
     tagihan lainnya
Tagihan akseptasi                                                    Acceptance receivables
     Tagihan akseptasi             8,505,810       9,003,846      Acceptance receivables
     pihak ketiga                                                               third parties
     Tagihan akseptasi             1,806,836       1,213,562      Acceptance receivables
     pihak berelasi                                                          related parties
     Cadangan kerugian            ( 294,792 )      ( 249,698 )   Allowance for impairment
     penurunan nilai pada                                            losses for acceptance
     tagihan akseptasi                                                           receivables
Tagihan derivatif                                                      Derivative receivables
     Tagihan derivatif pihak       4,945,804         911,683         Derivative receivables
     ketiga                                                                     third parties
     Tagihan derivatif pihak                                         Derivative receivables
     berelasi                                                                related parties
Pinjaman yang                                                                            Loans
diberikan
     Pinjaman yang             1,191,681,127    1,136,675,227           Loans third parties
     diberikan pihak ketiga
     Pinjaman yang               89,992,976       61,077,479         Loans related parties
     diberikan pihak
     berelasi
     Cadangan kerugian         ( 78,739,155 )   ( 79,924,211 ) 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
Page 6
   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 par
   berelasi                                       ties
   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
Page 7
   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    71,637,784       68,646,190     Other receivables third
    ketiga                                                                   parties
    Piutang lainnya pihak        44,581           30,351 Other receivables related
    berelasi                                                                 parties
    Cadangan kerugian       ( 5,764,964 )   ( 5,577,677 ) Allowance for impairment
    penurunan nilai pada                                            losses for other
    piutang lainnya                                                     receivables
Aset keuangan lainnya                                            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         14,450,151      15,605,462            Deferred tax assets
Investasi yang dicatat                                      Investments accounted for
dengan menggunakan                                                using equity method
Page 8
   metode ekuitas
   Investasi pada ventura                                           Investments in joint
   bersama dan entitas                                          ventures and associates
   asosiasi
      Investasi pada entitas      1,531,251       1,746,426         Investments in joint
      ventura bersama                                                            ventures
      Investasi pada entitas      6,184,131       5,559,065               Investments in
      asosiasi                                                                 associates
   Aset reasuransi                                                      Reinsurance assets
   Aset imbalan pasca kerja                                       Post-employment benefit
                                                                                       assets
   Goodwill                                                                          Goodwill
   Aset takberwujud selain                                     Intangible assets other than
   goodwill                                                                          goodwill
   Properti investasi                                                Investment properties
   Aset ijarah                                                                  Ijarah assets
   Aset tetap                    60,353,092      59,678,119             Property, plant, and
                                                                                   equipment
   Aset hak guna                                                         Right of use assets
   Aset pengampunan pajak                                               Tax amnesty assets
   Agunan yang diambil alih                                               Foreclosed assets
   Aset lainnya                   52,337,805      53,376,453                    Other assets
   Jumlah aset                 1,961,916,415   1,965,007,030                    Total assets
Liabilitas, dana syirkah                                       Liabilities, temporary syirkah
temporer dan ekuitas                                                          funds and equity
   Liabilitas                                                                      Liabilities
       Liabilitas segera         17,852,418      30,651,807              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         195,935,835     171,229,528    Current accounts
             ketiga                                                  third parties
             Giro pihak         153,553,965     174,894,844    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            524,122,489     527,499,123        Savings third
            pihak ketiga                                                   parties
            Tabungan                618,966         446,427     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
Page 9
    Deposito                                                 Time deposits
    berjangka
         Deposito          344,825,014   327,960,580       Time deposits
         berjangka pihak                                     third parties
         ketiga
         Deposito          143,362,547   156,298,259      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             671,396       462,943    Other banks deposits
    bank lain pihak                                           related parties
    berelasi
    Simpanan dari            6,343,541    11,495,376   Other banks deposits
    bank lain pihak                                             third parties
    ketiga
Efek yang dijual            18,768,783    19,079,458        Securities sold with
dengan janji untuk                                       repurchase agreement
dibeli kembali
Liabilitas derivatif                                       Derivative payables
    Liabilitas derivatif     1,120,707      925,210     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    10,312,646    10,217,408   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           80,833,833    72,778,467        Borrowings third
    diterima pihak                                                   parties
    ketiga
    Pinjaman yang           33,652,484    26,072,346     Borrowings related
    diterima pihak                                                  parties
    berelasi
    Pinjaman yang                                      Borrowings payables
    diterima utang                                            to clearing and
    pada lembaga                                       settlement guarantee
    kliring dan                                                     institution
    penjaminan
Page 10
  Efek yang diterbitkan                                          Securities issued
      Utang obligasi          38,343,216      49,637,581         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            3,159,256       6,117,768        Estimated losses on
  komitmen dan                                                    commitments and
  kontinjensi                                                         contingencies
  Beban akrual                                                   Accrued expenses
  Utang pajak                  3,579,816       2,546,839             Taxes payable
  Liabilitas pajak                                             Deferred tax liabilities
  tangguhan
  Liabilitas                                                  Tax amnesty liabilities
  pengampunan pajak
  Liabilitas lainnya          34,723,511      36,664,617          Other liabilities
  Kewajiban imbalan           20,171,550      23,059,624 Post-employment benefit
  pasca kerja                                                        obligations
  Pinjaman                                                  Subordinated loans
  subordinasi
      Pinjaman                   491,511         496,683      Subordinated loans
      subordinasi pihak                                              third parties
      ketiga
      Pinjaman                                                Subordinated loans
      subordinasi pihak                                           related parties
      berelasi
  Jumlah liabilitas         1,632,443,484   1,648,534,888             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
Page 11
     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              7,577,950       7,577,950          Common stocks
      Saham preferen                                             Preferred stocks
      Tambahan modal          75,880,223      75,853,127        Additional paid-in
      disetor                                                               capital
      Saham treasuri         ( 4,349,007 )   ( 3,614,321 )        Treasury stocks
      Uang muka                                               Advances in capital
      setoran modal                                                           stock
      Opsi saham                 618,499         342,251             Stock options
      Penjabaran                                                       Translation
      laporan keuangan                                                 adjustment
      Cadangan                20,213,042      20,216,505     Revaluation reserves
      revaluasi
      Cadangan selisih            68,864      ( 253,744 )    Reserve of exchange
      kurs penjabaran                                                differences on
                                                                          translation
      Cadangan                    63,956         128,230     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
Page 12
      pada instrumen                                                  instruments
      ekuitas
      Cadangan                                                         Reserve of
      pembayaran                                                     share-based
      berbasis saham                                                    payments
      Cadangan lindung                                       Reserve of cash flow
      nilai arus kas                                                      hedges
      Cadangan             ( 1,046,062 )    ( 2,134,699 )              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       1,011,623        ( 463,165 )   Other components of
      lainnya                                                            equity
      Saldo laba                                             Retained earnings
      (akumulasi                                                       (deficit)
      kerugian)
          Saldo laba                                            Appropriated
          yang telah                                                retained
          ditentukan                                               earnings
          penggunaanya
              Cadangan       3,022,685        3,022,685        General and
              umum dan                                       legal reserves
              wajib
              Cadangan                                              Specific
              khusus                                               reserves
          Saldo laba       220,317,639      210,688,737        Unappropriated
          yang belum                                         retained earnings
          ditentukan
          penggunaannya
      Jumlah ekuitas       323,379,412      311,363,556              Total equity
      yang                                                        attributable to
      diatribusikan                                             equity owners of
      kepada pemilik                                                parent entity
      entitas induk
   Proforma ekuitas                                                 Proforma equity
   Kepentingan               6,093,519        5,108,586      Non-controlling interests
   non-pengendali
   Jumlah ekuitas           329,472,931      316,472,142                 Total equity
Jumlah liabilitas, dana   1,961,916,415    1,965,007,030    Total liabilities, temporary
syirkah temporer dan                                         syirkah funds and equity
ekuitas
Page 13
[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
                                  30 September 2024     30 September 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                   148,791,961           131,893,100              Interest income
     Beban bunga                      ( 43,035,775 )        ( 30,696,401 )          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                    6,174,346            6,734,168           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                                                          Other insurance
       lainnya                                                                                 income
     Beban asuransi                                                              Insurance expenses
       Beban klaim                      ( 4,179,536 )         ( 4,915,460 )         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
       liabilitas asuransi yang                                                 insurance liabilities
Page 14
   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                1,607,138    1,465,569         Realised gains
   (kerugian) dari                                   (losses) on trading of
   transaksi                                        marketable securities
   perdagangan efek
   yang telah direalisasi
   Keuntungan                 192,862      221,982        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      17,157,711   15,559,991          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
    Keuntungan                                               Realised gains
Page 15
    (kerugian) yang telah                                                (losses) from
    direalisasi atas                                            derivative instruments
    instrumen derivatif
    Penerimaan kembali          17,828,107       10,911,824             Revenue from
    aset yang telah                                             recovery of written-off
    dihapusbukukan                                                              assets
    Keuntungan                     826,025          291,965         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                    3,720,536        3,386,096         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              ( 97 )           3,799               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          2,990,393         254,296 Recovery of estimated
    estimasi kerugian atas                                   loss of commitments
    komitmen dan                                                 and contingency
    kontinjensi
Pembentukan kerugian                                                    Allowances for
penurunan nilai                                                     impairment losses
    Pembentukan               ( 32,454,603 )   ( 23,236,979 )         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
Beban operasional                                                      Other operating
Page 16
   lainnya                                                                        expenses
       Beban umum dan            ( 21,829,601 )   ( 20,423,100 )             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        ( 39,744,109 )   ( 35,249,651 )       Other operating
        lainnya                                                               expenses
Jumlah laba operasional            58,045,358       56,201,199     Total profit from operation
Pendapatan dan beban                                               Non-operating income and
bukan operasional                                                                     expense
    Pendapatan bukan                                                 Non-operating income
    operasional
    Beban bukan operasional          ( 57,010 )      ( 482,668 )    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         57,988,348       55,718,531        Total profit (loss) before
pajak penghasilan                                                                               tax
Pendapatan (beban) pajak         ( 12,625,973 )   ( 11,504,962 )         Tax benefit (expenses)
Jumlah laba (rugi) dari             45,362,375       44,213,569         Total profit (loss) from
operasi yang dilanjutkan                                                continuing operations
Laba (rugi) dari operasi yang                                                   Profit (loss) from
dihentikan                                                              discontinued operations
Jumlah laba (rugi)                 45,362,375       44,213,569               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                                                   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                                                  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                                       income that will not be
                                                                    reclassified to profit or
                                                                              loss, after tax
Page 17
   yang tidak akan
   direklasifikasi ke laba
   rugi, setelah pajak
   Jumlah pendapatan                     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              2,853,940   ( 803,671 )               Total other
   komprehensif lainnya,                                 comprehensive income,
   setelah pajak                                                           after tax
Jumlah laba rugi                 48,216,315   43,409,898        Total comprehensive
komprehensif                                                                   income
Laba (rugi) yang dapat                                    Profit (loss) attributable to
diatribusikan
   Laba (rugi) yang dapat        45,064,753   43,992,607 Profit (loss) attributable to
   diatribusikan ke entitas                                             parent entity
   induk
   Laba (rugi) yang dapat          297,622       220,962 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        47,883,049   43,252,933     Comprehensive income
   yang dapat diatribusikan                                     attributable to parent
   ke entitas induk                                                              entity
   Laba rugi komprehensif          333,266       156,965     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            299           292    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
                                                                                                    Additional                                                                      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 with   Other components
                                                                            Common     Preferred                  Treasury    Advances in      Stock    Translation   Revaluation                                                                                                                                                                              Other                                   Other equity                                                                                           Appropriated retained                Appropriated retained         Unappropriated retained   Equity attributable to   Proforma Non-controlling
                                                                                                     paid-in                                                                           differences on       through other comprehensive income financial            investments in equity          share-based       cash flow        remeasurements of                           Equity in                           transactions with non-controlling      non-controlling             of equity                                                                                                                                                               Equity
                                                                             stocks     stocks                     stocks     capital stock   options   adjustment     reserves                                                                                                                                                                              reserves                                   interests                                                                                       earnings-general and legal reserves      earnings-specific reserves            earnings               parent entity          equity    interests
                                                                                                      capital                                                                            translation                              assets                                instruments                  payments         hedges         defined benefit plans                  Subsidiary/Associates                                 interests                       interests            transactions
                                                                                                    Tambahan                  Uang muka                 Penjabaran                                          Cadangan perubahan nilai wajar aset keuangan                                             Cadangan        Cadangan       Cadangan pengukuran                                                Kepentingan                                                                      Komponen          Saldo laba yang telah ditentukan    Saldo laba yang telah ditentukan   Saldo laba yang belum      Ekuitas yang dapat
                                                                            Saham       Saham                      Saham                        Opsi                   Cadangan     Cadangan selisih kurs                                                      Cadangan keuntungan (kerugian)                                                                Cadangan Selisih Transaksi Perubahan                     Selisih transaksi ekuitas dengan    Transaksi dengan pihak                                                                                                                                                    Proforma Kepentingan
                                                                                                      modal                    setoran                    laporan                                            nilai wajar melalui pendapatan komprehensif                                           pembayaran      lindung nilai   kembali program imbalan                                               ekuitas                                                                    transaksi ekuitas   penggunaannya-cadangan umum dan          penggunaannya-cadangan                ditentukan          diatribusikan kepada                                  Ekuitas
                                                                             biasa     preferen                   treasuri                     saham                   revaluasi        penjabaran                                                             investasi pada instrumen ekuitas                                                               lainnya Ekuitas Entitas Anak/Asosiasi                         pihak non-pengendali          non-pengendali lainnya                                                                                                                                                     ekuitas non-pengendali
                                                                                                     disetor                    modal                    keuangan                                                                lainnya                                                          berbasis saham      arus kas               pasti                                                       lainnya                                                                          lainnya                      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                               7,577,950               75,853,127            (                    342,251                 20,216,505             ( 253,744 )                                            128,230                                                                                  ( 2,134,699 )                                                                                                                                ( 463,165 )                           3,022,685                                                 210,688,737               311,363,556                  5,108,586 316,472,142        Balance before restatement at beginning of
                                                                                                                 3,614,321                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         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                                               7,577,950               75,853,127            (                    342,251                 20,216,505             ( 253,744 )                                            128,230                                                                                  ( 2,134,699 )                                                                                                                                ( 463,165 )                           3,022,685                                                 210,688,737               311,363,556                  5,108,586 316,472,142          Equity position, beginning of the period
                                                                                                                 3,614,321
                                                                                                                          )
Laba (rugi)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                45,064,753                 45,064,753                   297,622     45,362,375                                      Profit (loss)
Pendapatan komprehensif lainnya                                                                                                                                         ( 3,463 )               322,608                                           ( 64,274 )                                                                                    1,088,637                                                                                                                                  1,474,788                                                                                                                   2,818,296                    35,644      2,853,940                   Other comprehensive income
Penjabaran laporan keuangan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        Translation adjustment
Pembentukan cadangan umum                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Allocation for general reserves
Pembentukan cadangan khusus                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Allocation for specific reserves
Distribusi dividen kas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  ( 35,435,851 )            ( 35,435,851 )                                        (                  Distributions of cash dividends
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               35,435,851
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         )
Distribusi dividen saham                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  Distributions of stock dividends
Penerbitan saham biasa                                                                                 27,096 ( 734,686                       245,740                                                                                                                                                                                                                                                                                                                                                                                                                                                                 ( 461,850 )                              ( 461,850 )                   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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                ( 118,333 ) ( 118,333 )    Changes in non-controlling interests due to
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  disposal of subsidiaries
Perubahan kepentingan non-pengendali atas pelepasan operasi yang                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           Changes in non-controlling interests due to
dihentikan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             partial disposal of interests in subsidiaries
pengendalian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Changes in non-controlling interests due to
kepentingan non-pengendali                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       other transactions with non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  interests
Eliminasi defisit dalam rangka kuasi reorganisasi                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               Elimination of deficit in connection with
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     quasi-reorganisation
Pelaksanaan opsi saham                                                                                                                         30,508                                                                                                                                                                                                                                                                                                                                                                                                                                                                      30,508                               30,508                            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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          770,000     770,000                          Other equity transactions
Posisi ekuitas, akhir periode                                              7,577,950               75,880,223            (                    618,499                 20,213,042                  68,864                                             63,956                                                                                  ( 1,046,062 )                                                                                                                                 1,011,623                            3,022,685                                                 220,317,639               323,379,412                  6,093,519 329,472,931                  Equity position, end of the period
                                                                                                                 4,349,007
                                                                                                                          )
Page 21
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year


Laporan perubahan ekuitas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       Statement of changes in equity
                                                                                                    Additional                                                                       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 with   Other components
                                                                            Common     Preferred                  Treasury    Advances in      Stock     Translation   Revaluation                                                                                                                                                                              Other                                   Other equity                                                                                           Appropriated retained                Appropriated retained         Unappropriated retained   Equity attributable to     Proforma Non-controlling
                                                                                                     paid-in                                                                            differences on       through other comprehensive income financial            investments in equity          share-based       cash flow        remeasurements of                           Equity in                           transactions with non-controlling      non-controlling             of equity                                                                                                                                                                 Equity
                                                                             stocks     stocks                     stocks     capital stock   options    adjustment     reserves                                                                                                                                                                              reserves                                   interests                                                                                       earnings-general and legal reserves      earnings-specific reserves            earnings               parent entity            equity    interests
                                                                                                      capital                                                                             translation                              assets                                instruments                  payments         hedges         defined benefit plans                  Subsidiary/Associates                                 interests                       interests            transactions
                                                                                                    Tambahan                  Uang muka                  Penjabaran                                          Cadangan perubahan nilai wajar aset keuangan                                             Cadangan        Cadangan       Cadangan pengukuran                                                Kepentingan                                                                      Komponen          Saldo laba yang telah ditentukan    Saldo laba yang telah ditentukan   Saldo laba yang belum      Ekuitas yang dapat
                                                                            Saham       Saham                      Saham                        Opsi                    Cadangan     Cadangan selisih kurs                                                      Cadangan keuntungan (kerugian)                                                                Cadangan Selisih Transaksi Perubahan                     Selisih transaksi ekuitas dengan    Transaksi dengan pihak                                                                                                                                                      Proforma Kepentingan
                                                                                                      modal                    setoran                     laporan                                            nilai wajar melalui pendapatan komprehensif                                           pembayaran      lindung nilai   kembali program imbalan                                               ekuitas                                                                    transaksi ekuitas   penggunaannya-cadangan umum dan          penggunaannya-cadangan                ditentukan          diatribusikan kepada                                    Ekuitas
                                                                             biasa     preferen                   treasuri                     saham                    revaluasi        penjabaran                                                             investasi pada instrumen ekuitas                                                               lainnya Ekuitas Entitas Anak/Asosiasi                         pihak non-pengendali          non-pengendali lainnya                                                                                                                                                       ekuitas non-pengendali
                                                                                                     disetor                    modal                     keuangan                                                                lainnya                                                          berbasis saham      arus kas               pasti                                                       lainnya                                                                          lainnya                      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                               7,577,950               75,637,083            (                    226,622                  20,267,952             ( 127,954 )                                            139,978                                                                                                                                                                                                                             ( 3,395,376 )                           3,022,685                                                 198,147,249               299,294,011                    4,101,306 303,395,317         Balance before restatement at beginning of
                                                                                                                 2,202,178                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             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                                               7,577,950               75,637,083            (                    226,622                  20,267,952             ( 127,954 )                                            139,978                                                                                                                                                                                                                             ( 3,395,376 )                           3,022,685                                                 198,147,249               299,294,011                    4,101,306 303,395,317          Equity position, beginning of the period
                                                                                                                 2,202,178
                                                                                                                          )
Laba (rugi)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 43,992,607                 43,992,607                     220,962     44,213,569                                        Profit (loss)
Pendapatan komprehensif lainnya                                                                                                                                         ( 51,447 )             ( 92,455 )                                             12,658                                                                                                                                                                                                                               ( 608,430 )                                                                                                                 ( 739,674 )                  ( 63,997 )    ( 803,671 )                    Other comprehensive income
Penjabaran laporan keuangan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             Translation adjustment
Pembentukan cadangan umum                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       Allocation for general reserves
Pembentukan cadangan khusus                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     Allocation for specific reserves
Distribusi dividen kas                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   ( 34,891,943 )            ( 34,891,943 )                   ( 25,862 )             (                    Distributions of cash dividends
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  34,917,805
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            )
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                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         Stock subscription from non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         interests
Perubahan kepentingan non-pengendali atas akuisisi entitas anak                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       146,229        146,229      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 due to
dihentikan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 disposal of a discontinued operation
Perubahan kepentingan non-pengendali atas pelepasan sebagian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Changes in non-controlling interests due to
kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    partial disposal of interests in subsidiaries
pengendalian                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                               without loss of control
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                Changes in non-controlling interests due to
kepentingan non-pengendali                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                              other transactions with non-controlling
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         interests
Eliminasi defisit dalam rangka kuasi reorganisasi                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      Elimination of deficit in connection with
                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            quasi-reorganisation
Pelaksanaan opsi saham                                                                                                                          ( 59 )                                                                                                                                                                                                                                                                                                                                                                                                                                                                        ( 59 )                      (9)           ( 68 )                           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                                                                             216,044         (                             (                                                                                                                                                                                                                                                                                                                                                                                                                                                                ( 1,053,718 )                    553,971     ( 499,747 )                           Other equity transactions
                                                                                                              1,081,087                       188,675
                                                                                                                       )                             )
Posisi ekuitas, akhir periode                                              7,577,950               75,853,127         (                        37,888                  20,216,505             ( 220,409 )                                            152,636                                                                                                                                                                                                                             ( 4,003,806 )                           3,022,685                                                 207,247,913               306,601,224                    4,932,600 311,533,824                    Equity position, end of the period
                                                                                                              3,283,265
                                                                                                                       )
Page 22
[4510000] Statement of cash flows, direct method - Financial and Sharia
Industry


Laporan arus kas                                                              Statement of cash flows
                                    30 September 2024     30 September 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,                 137,470,500           125,014,627     Interest, investment
        hasil investasi, provisi,                                                  income, fees and
        dan komisi                                                           commissions received
        Pembayaran bunga                ( 43,070,341 )        ( 29,861,348 ) 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                         10,807,356             9,330,008 Revenue receipts from
        pendapatan                                                            fund management as
        pengelolaan dana                                                                    mudharib
        sebagai mudharib
        Pembayaran bagi                     ( 568,024 )         ( 1,397,434 )          Payments of
        hasil dana syirkah                                                        temporary syirkah
        temporer                                                                               funds
        Penerimaan premi                     2,362,676            2,018,378           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                    34,474,559            27,007,695      Income from other
        transaksi operasional                                               operating transactions
        lainnya
        Penerimaan kembali                 17,828,107            10,911,824      Recoveries of written
        aset yang telah                                                                    off assets
        dihapusbukukan
        Pembayaran biaya                                                        Payments for deferred
        akuisisi ditangguhkan                                                        acquisition costs
        Pembayaran atas                                                           Payments of finance
        beban keuangan dan                                                             costs and bank
        beban administrasi                                                      administration charges
Page 23
   bank
   Pembayaran gaji dan                                            Payments for salaries
   tunjangan                                                           and allowances
   Pembayaran pajak                                                       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                  ( 11,169,112 )    ( 11,221,570 )    Refunds (payments)
   pengembalian                                                          of income tax
   (pembayaran) pajak
   penghasilan
   Pembayaran beban            ( 71,778,870 )    ( 63,430,486 )     Payments for other
   operasional lainnya                                              operating expenses
   Penerimaan                     ( 114,718 )       ( 611,062 )          Receipts from
   pendapatan                                                     non-operating income
   non-operasional
   Pengembalian                                                               Repayment
   (penempatan) uang                                                       (placement) of
   jaminan                                                           refundable deposits
   Penerimaan                                                         Other cash inflows
   (pengeluaran) kas                                                      (outflows) from
   lainnya dari aktivitas                                             operating activities
   operasi
Penurunan (kenaikan)                                             Decrease (increase) in
aset operasi                                                           operating assets
   Penurunan (kenaikan)              348,705           601,941 Decrease (increase) in
   penempatan pada                                              placements with other
   bank lain dan Bank                                                banks and Bank
   Indonesia                                                                Indonesia
   Penurunan (kenaikan)         ( 2,002,037 )       ( 655,975 ) Decrease (increase) in
   efek yang                                                     marketable securities
   diperdagangkan
   Penurunan (kenaikan)          23,483,102          24,295,377 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)          14,435,322       ( 19,136,486 ) Decrease (increase) in
   wesel ekspor dan                                                        bills and other
   tagihan lainnya                                                             receivables
   Penurunan (kenaikan)                                          Decrease (increase) in
   tagihan akseptasi                                                           acceptance
                                                                               receivables
   Penurunan (kenaikan)       ( 114,519,217 )   ( 130,438,057 ) Decrease (increase) in
   pinjaman yang                                                                     loans
   diberikan
   Penurunan (kenaikan)           ( 741,160 )     ( 3,592,611 ) 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)      ( 2,446,461 )    ( 2,751,377 ) 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)       13,019,650          2,316,341 Decrease (increase) in
    aset lainnya                                                          other assets
Kenaikan (penurunan)                                             Increase (decrease) in
liabilitas operasi                                                   operating liabilities
    Kenaikan (penurunan)     ( 12,799,389 )     ( 8,351,499 ) Increase (decrease) in
    liabilitas segera                                                  obligations due
                                                                          immediately
   Kenaikan (penurunan)           161,333     ( 51,268,251 ) Increase (decrease) in
   giro dan tabungan                                            current accounts and
   simpanan nasabah                                                customers savings
   Kenaikan (penurunan)          3,928,722        33,670,652 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)       ( 4,943,382 )        1,754,195 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)      ( 310,675 )        5,214,055 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)    ( 3,510,991 )       6,258,320 Increase (decrease) in
       liabilitas lainnya                                              other liabilities
   Jumlah arus kas bersih      ( 9,654,345 )   ( 74,322,743 )     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                    1,867           55,059        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         133,370            65,913    Dividends received from
   aktivitas investasi                                                investing activities
   Penerimaan dari                  57,708           128,394    Proceeds from disposal
   penjualan (perolehan)                                                  (acquisition) of
   properti investasi                                             investment properties
   Penerimaan dari             ( 5,600,126 )    ( 6,794,585 )   Proceeds from disposal
   penjualan (perolehan)                                        (acquisition) of property
   aset tetap                                                             and equipment
   Penerimaan dari                                              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)        41,522,639       26,304,871      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        36,115,458       19,759,652        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           34,026,385        20,603,779              Proceeds from
   yang diterima                                                              borrowings
   Pembayaran pinjaman         ( 18,515,220 )   ( 14,765,369 ) Payments for borrowings
   yang diterima
   Penerimaan pinjaman                                500,000              Proceeds from
   subordinasi                                                        subordinated loans
   Pembayaran pinjaman                             ( 500,000 )                Payments of
   subordinasi                                                        subordinated loans
   Pembayaran bunga                                                 Payments of interests
   pinjaman                                                              from borrowings
   Penerimaan dari                 9,507,360        8,079,000       Proceeds from bonds
   penerbitan obligasi                                                           issuance
   Pembayaran utang            ( 21,284,935 )   ( 26,877,850 )        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                                                 Proceeds from issuance
   penerbitan saham baru                                                      of new stocks
   Pembayaran biaya emisi                                               Payments of stock
   saham                                                                    issuance costs
   Penerimaan setoran                                                Proceeds from capital
   modal                                                                       contributions
   Penerimaan dari                                                Proceed from increase of
   penambahan kepemilikan                                           non-controlling interest
   dari non-pengendali
   Penjualan (pembelian)          ( 874,445 )     ( 1,081,087 )         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     ( 48,102,283 )    ( 43,494,766 )         Dividends paid from
   aktivitas pendanaan                                                    financing activities
   Penerimaan                                                             Other cash inflows
   (pengeluaran) kas lainnya                                       (outflows) from financing
   dari aktivitas pendanaan                                                         activities
   Jumlah arus kas bersih      ( 45,243,138 )    ( 57,536,293 )       Total net cash flows
   yang diperoleh dari                                             received from (used in)
   (digunakan untuk)                                                    financing activities
   aktivitas pendanaan
Jumlah kenaikan                ( 18,782,025 )   ( 112,099,384 )            Total net increase
(penurunan) bersih kas                                               (decrease) in cash and
dan setara kas                                                              cash equivalents
Kas dan setara kas arus kas,    218,677,734       268,192,168      Cash and cash equivalents
awal periode                                                      cash flows, beginning of the
                                                                                        period
Efek perubahan nilai kurs          ( 19,545 )           39,685        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         199,876,164       156,132,469 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
                                                                         30 September 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]
                                                                             Penambahan aset   Pengurangan aset     Reklasifikasi aset   Penjabaran laporan keuangan aset   Entitas anak baru aset   Revaluasi aset   Penurunan (pemulihan) nilai aset
                                                                Aset tetap                                                                                                                                                                                Aset tetap
                                                                                  tetap             tetap                 tetap                        tetap                         tetap               tetap                    tetap
Nilai perolehan,   Tanah, dimiliki langsung                     33,317,427            48,777           ( 54,179 )             24,497                                                                                                                     33,336,522                                     Land, directly owned            Carrying amount, gross
kotor              Bangunan dan fasilitasnya, dimiliki langsung 15,127,852           716,505         ( 508,169 )             659,092                                                                                                                     15,995,280     Building and leasehold improvement, directly owned
                   Mesin dan peralatan, dimiliki langsung       16,863,879           971,443         ( 548,525 )           1,895,257                                                                                                                     19,182,054               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        3,978,351           300,486         ( 115,731 )             ( 1,389 )                                                                                                                    4,161,717           Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung         5,221,398           799,585         ( 552,679 )                    67                                                                                                                    5,468,371                          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                    3,289,062                10                (0)                                                                                                                                           3,289,072                                   Others, directly owned
                   Dimiliki langsung                            77,797,969         2,836,806       ( 1,779,283 )           2,577,524                                                                                                                     81,433,016                                             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                  3,665,808         2,763,320          ( 28,261 )        ( 2,577,524 )                                                                                                                     3,823,343                      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                    3,665,808            2,763,320           ( 28,261 )       ( 2,577,524 )                                                                                                                     3,823,343                                Assets under construction
                   Aset tetap                                81,463,777            5,600,126       ( 1,807,544 )                   0                                                                                                                     85,256,359                          Property, plant, and equipment
Akumulasi          Tanah, dimiliki langsung                                                                                                                                                                                                                                                             Land, directly owned      Carrying amount, accumulated
Page 31
depresiasi         Bangunan dan fasilitasnya, dimiliki langsung 5,225,792                  1,169,947            ( 275,879 )             ( 3,786 )                                                                                                                    6,116,074    Building and leasehold improvement, directly owned        depreciation
                   Mesin dan peralatan, dimiliki langsung       10,594,732                 1,705,643            ( 125,300 )                4,959                                                                                                                    12,180,034              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        2,607,940                   351,072              ( 52,994 )            ( 1,197 )                                                                                                                    2,904,821          Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung         1,928,834                   498,704            ( 319,227 )                    24                                                                                                                    2,108,335                         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                    1,428,360                   165,643                                                                                                                                                                 1,594,003                                  Others, directly owned
                   Dimiliki langsung                            21,785,658                 3,891,009            ( 773,400 )                                                                                                                                         24,903,267                                            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                                21,785,658                    3,891,009            ( 773,400 )                                                                                                                                         24,903,267                         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 59,678,119                                                                                                                                                                                                           60,353,092 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]
                                                                             Penambahan aset   Pengurangan aset     Reklasifikasi aset   Penjabaran laporan keuangan aset   Entitas anak baru aset   Revaluasi aset   Penurunan (pemulihan) nilai aset
                                                                Aset tetap                                                                                                                                                                                Aset tetap
                                                                                  tetap             tetap                 tetap                        tetap                         tetap               tetap                    tetap
Nilai perolehan,   Tanah, dimiliki langsung                     33,406,372         1,086,300       ( 1,134,834 )           ( 40,411 )                                                                                                                    33,317,427                                     Land, directly owned            Carrying amount, gross
kotor              Bangunan dan fasilitasnya, dimiliki langsung 12,219,677         1,522,462         ( 699,119 )           2,084,832                                                                                                                     15,127,852     Building and leasehold improvement, directly owned
                   Mesin dan peralatan, dimiliki langsung       12,175,552         2,588,752         ( 435,387 )           2,534,962                                                                                                                     16,863,879               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        3,357,863           677,264         ( 102,384 )               45,608                                                                                                                     3,978,351           Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung         3,900,285         2,015,071         ( 706,759 )               12,801                                                                                                                     5,221,398                          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                    3,284,852                25                (0)                4,185                                                                                                                      3,289,062                                   Others, directly owned
                   Dimiliki langsung                            68,344,601         7,889,874       ( 3,078,483 )           4,641,977                                                                                                                     77,797,969                                             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                  5,606,600         2,719,584          ( 18,399 )        ( 4,641,977 )                                                                                                                     3,665,808                      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                    5,606,600            2,719,584           ( 18,399 )       ( 4,641,977 )                                                                                                                     3,665,808                                Assets under construction
                   Aset tetap                                73,951,201           10,609,458       ( 3,096,882 )                   0                                                                                                                     81,463,777                          Property, plant, and equipment
Akumulasi          Tanah, dimiliki langsung                                                                                                                                                                                                                                                             Land, directly owned      Carrying amount, accumulated
Page 33
depresiasi         Bangunan dan fasilitasnya, dimiliki langsung 4,158,159                  1,302,878            ( 224,927 )            ( 10,318 )                                                                                                                    5,225,792    Building and leasehold improvement, directly owned        depreciation
                   Mesin dan peralatan, dimiliki langsung        9,276,125                 1,514,294            ( 194,805 )               ( 882 )                                                                                                                   10,594,732              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        2,247,030                   444,481              ( 94,342 )              10,771                                                                                                                     2,607,940          Furniture and office equipment, directly owned
                   langsung
                   Kendaraan bermotor, dimiliki langsung         1,846,266                   243,852            ( 161,713 )                   429                                                                                                                    1,928,834                         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                    1,207,574                   220,786                                                                                                                                                                 1,428,360                                  Others, directly owned
                   Dimiliki langsung                            18,735,154                 3,726,291            ( 675,787 )                     0                                                                                                                   21,785,658                                            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                                18,735,154                    3,726,291            ( 675,787 )                     0                                                                                                                   21,785,658                         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 55,216,047                                                                                                                                                                                                           59,678,119 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
                                                                          30 September 2024
Pengungkapan                                                                                                                                       Disclosure
  Pengungkapan catatan atas aset tetap                                                                       Notes 16 Disclosure of notes for property, plant
                                                                                                                                             and equipment

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