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Publikasi Lap Keu Triwulanan Sep 2024 (EN).pdf
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CONSOLIDATED FINANCIAL STATEMENTS
PT Bank SMBC Indonesia Tbk (Formerly PT BANK BTPN Tbk) and Subsidiaries
30 SEPTEMBER 2024, 2023 AND 31 DECEMBER 2023
(In Million Rupiah)
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF PROFIT LOSS AND OTHER COMPREHENSIVE INCOME EARNING ASSETS QUALITY AND OTHER INFORMATION
As of 30 September 2024 and 31 December 2023 For the periods ended on 30 September 2024 and 2022 As of 30 September 2024 and 2023
( In m illion R u p iah ) ( In m illion Ru p iah , u n less earn in g p er sh are) ( In m illion R u p iah )
INDIVIDUAL
INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
30 Sep 2024 30 Sep 2023
No. ACCOUNTS 30 Sep 2024 31 Dec 2023 30 Sep 2024 31 Dec 2023 No. ACCOUNTS 30 Sep 2024 30 Sep 2023 30 Sep 2024 30 Sep 2023 No. ACCOUNTS Unaudited Audited
Unaudited Audited Unaudited Audited Unaudited Audited Unaudited Audited
Special Special
O P E RAT ING INCO M E AND E X P E NS E S Current Substandard Doubtful Loss Total Current Substandard Doubtful Loss Total
AS S E T Mention Mention
A. In terest In com e an d E xp en ses I. R E L A T E D P A R T IE S
1. Cash 691,959 931,530 1,134,337 1,428,683
2. Placements with Bank Indonesia 10,757,174 17,236,809 11,916,421 18,000,252 1. Interest Income 10,714,372 9,744,790 17,234,373 14,053,208 1. Placements with other banks 809,679 - - - - 809,679 462,361 - - - - 462,361
3. Placements with other banks 1,458,404 958,732 2,308,953 1,200,387 2. Interest Expenses (5,278,233) (4,690,182) (6,236,968) (5,052,959) a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 809,679 - - - - 809,679 462,361 - - - - 462,361
4. Spot and derivative / forward receivables 1,657,952 1,133,149 1,409,148 1,133,149 Net In terest In com e 5,436,139 5,054,608 10,997,405 9,000,249
2. Spot and derivative receivables 627,743 - - - - 627,743 727,909 - - - - 727,909
5. Securities 20,211,397 8,547,321 29,169,696 17,038,501 B. O th er O p eratin g In com e an d E xp en ses a. Rupiah - - - - - - - - - - - -
6. Securities sold under repurchase agreements (repo) - - - - 1. Gain (Loss) from increase (decrease) in fair value of financial
130,296 (77,126) 130,296 (77,126) b. Foreign currencies 627,743 - - - - 627,743 727,909 - - - - 727,909
7. Claims from securities purchased under resale assets
- - - - 3. Securities - - - - - - - - - - - -
agreements (reverse repo) 2. Gain (Loss) from increase (decrease) in fair value of financial
- - - - a. Rupiah - - - - - - - - - - - -
8. Acceptance receivables 3,574,274 3,289,757 3,574,274 3,289,757 liabilities
b. Foreign currencies - - - - - - - - - - - -
9. Loans 142,062,309 145,173,436 164,769,887 145,173,436 3. Gain (Loss) from sale of financial assets 35,228 46,791 35,228 46,791
4. Securities sold under repurchase
4. Gain (Loss) from spot and derivative / forward transactions - - - - - - - - - - - -
10. Sharia financing/receivables - - 10,330,784 11,387,861 201,190 605,854 201,190 605,854 agreements (Repo)
(realised)
11. Equity Investments 7,859,227 1,308,484 100,857 102,586 a. Rupiah - - - - - - - - - - - -
12. Other financial asset 1,138,073 1,121,451 1,271,897 1,361,853 5. Gain (Loss) from investment under equity method - - - - b. Foreign currencies - - - - - - - - - - - -
13. Impairment on financial assets -/- (3,293,457) (3,413,725) (6,123,632) (4,627,641) 6. Gain (Loss) from foreign exchange translation 31,165 18,627 47,135 18,627 5. Claims on securities purchased
under resale agreements - - - - - - - - - - - -
a. Securities (740) (799) (740) (799) 7. Dividend revenue 422,706 498,815 3 1
(Reverse Repo)
b. Loans and Sharia financing (3,288,787) (3,404,131) (6,118,962) (4,618,047) 8. Commissions/provisions/fees and administration 748,496 588,995 944,243 589,964 a. Rupiah - - - - - - - - - - - -
c. Others (3,930) (8,795) (3,930) (8,795) 9. Other income 214,810 254,620 611,801 306,293 b. Foreign currencies - - - - - - - - - - - -
14. Intangible assets 3,245,862 3,096,432 6,349,803 3,541,155 6. Acceptance receivables - - - - - - - - - - - -
10. Impairment losses on financial assets (775,953) (704,561) (2,756,914) (1,902,450)
Accumulated amortization of intangible assets -/- (2,447,105) (2,278,908) (3,331,552) (2,451,771) 7. Loans
11. Losses related to operational risks (9,418) (5,216) (15,351) (10,483)
15. Fixed assets and equipment 3,921,441 3,958,107 6,130,758 5,040,250 a. Micro, Small and Medium
12. Personnel expenses (1,877,194) (1,774,362) (3,570,615) (2,791,236) - - - - - - - - - - - -
Accumulated depreciation on fixed assets and (2,314,408) (2,286,537) (3,778,162) (2,992,438) Enterprises (UMKM)
16. equipment -/- assets
Non-productive 60,392 79,120 204,217 79,120 13. Promotion expenses (130,483) (156,322) (161,768) (162,561) i. Rupiah - - - - - - - - - - - -
a. Abandoned properties - 21,099 - 21,099 14. Other expenses (2,302,264) (2,063,228) (3,320,959) (2,550,639) ii. Foreign currencies - - - - - - - - - - - -
b. Non-Micro, Small and Medium
b. Foreclosed assets 60,392 58,021 204,217 58,021 Net O th er O p eratin g ( E xp en ses) In com e ( 3,311,421) ( 2,767,113) ( 7,855,711) ( 5,926,965) 6,926,940 - - - - 6,926,940 3,055,035 - - - - 3,055,035
Enterprises (Non-UMKM)
c. Suspense accounts - - - - i. Rupiah 515,705 - - - - 515,705 386,928 - - - - 386,928
d. Interbranch assets - - - - NE T O P E RAT ING INCO M E ( E X P E NS E S ) 2,124,718 2,287,495 3,141,694 3,073,284
ii. Foreign currencies 6,411,235 - - - - 6,411,235 2,668,107 - - - - 2,668,107
17. Other assets 2,030,788 2,386,178 3,146,691 2,743,252 NO N- O P E RAT ING INCO M E AND E X P E NS E S c. Restructured loans - - - - - - - - - - - -
T O T AL AS S E T 190,614,282 181,241,336 228,584,377 201,448,392 i. Rupiah - - - - - - - - - - - -
1. Gain (Loss) from sale of fixed assets and equipments 570 (8,482) 4,867 (6,903)
L IA B IL IT IE S A N D E Q U IT Y ii. Foreign currencies - - - - - - - - - - - -
2. Other non-operating income (expenses) 5,605 2,700 (215,341) 850 8. Equity Investment 7,859,205 - - - - 7,859,205 1,308,462 - - - - 1,308,462
L IA B IL IT IE S
NE T NO N O P E RAT ING INCO M E ( E X P E NS E S ) 6,175 ( 5,782) ( 210,474) ( 6,053) 9. Other receivables 1,727 - - - - 1,727 21,849 - - - - 21,849
1. Demand deposits 19,985,241 26,604,674 19,979,661 26,628,683 10. Commitment and contingencies 4,050,046 - - - - 4,050,046 5,476,931 - - - - 5,476,931
P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D BE F O RE
2. Saving deposits 15,042,287 14,470,875 18,066,889 17,558,817 2,130,893 2,281,713 2,931,220 3,067,231
T AX a. Rupiah 103,232 - - - - 103,232 102,912 - - - - 102,912
3. T ime deposits 67,056,846 54,980,210 75,348,877 64,011,076 Income T ax: (376,115) (392,792) (636,288) (671,967) b. Foreign currencies 3,946,814 - - - - 3,946,814 5,374,019 - - - - 5,374,019
4. Electronic money - - - - a. Estimated current period tax (320,940) (407,230) (567,195) (722,923) II. N O N - R E L A T E D P A R T IE S
5. Liabilities to Bank Indonesia - - - - b. Deferred tax income (expenses) (55,175) 14,438 (69,093) 50,956 1. Placements with other banks 648,725 - - - - 648,725 432,223 - - - - 432,223
6. Liabilities to other banks 802,291 10,818,444 797,624 10,814,638 a. Rupiah 428,266 - - - - 428,266 90,005 - - - - 90,005
NE T P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 1,754,778 1,888,921 2,294,932 2,395,264
7. Spot and derivative / forward liabilities 1,478,310 1,072,104 1,811,959 1,072,104 b. Foreign currencies 220,459 - - - - 220,459 342,218 - - - - 342,218
8. Securities sold under repurchase agreements (repo) - - - - M INO RIT Y INT E RE S T P RO F IT ( L O S S ) 300,755 301,527 2. Spot and derivative receivables 1,023,094 7,115 - - - 1,030,209 833,173 253 - - - 833,426
9. Acceptance liabilities 3,081,169 2,323,633 3,081,169 2,323,633 a. Rupiah 167,494 - - - - 167,494 771,666 186 - - - 771,852
O T HE R CO M P RE HE NS IV E INCO M E
10. Securities issued 551,855 200,569 1,748,467 200,569 b. Foreign currencies 855,600 7,115 - - - 862,715 61,507 67 - - - 61,574
11. Borrowings 38,745,201 34,283,897 50,281,654 34,283,897 1. Item s th at are n ot b ein g reclassif ied to P rof it L oss - 35,069 - 36,284 3. Securities 20,211,397 - - - - 20,211,397 9,936,605 - - - - 9,936,605
a. Rupiah 19,437,431 - - - - 19,437,431 9,009,251 - - - - 9,009,251
12. Margin deposits - - - - a. Gain from fixed assets revaluation - 79,722 - 79,722
b. Foreign currencies 773,966 - - - - 773,966 927,354 - - - - 927,354
13. Interbranch liabilities - - - - b. Gain (Loss) from remeasurement benefecial pension program - (44,653) - (43,438)
4. Securities sold under repurchase
14. Other liabilities 2,126,821 2,756,110 3,760,580 3,271,871 c. Others - - - - agreements (Repo)
- - - - - - - - - - - -
15. Minority Interest 6,828,992 2,616,678 a. Rupiah - - - - - - - - - - - -
2. Item s th at are b ein g reclassif ied to P rof it L oss 28,055 10,730 ( 41,910) 10,800
T O T A L L IA B IL IT Y 148,870,021 147,510,516 181,705,872 162,781,966 b. Foreign currencies - - - - - - - - - - - -
a. Gain (Loss) from adjustment in foreign exchange translation - - - -
E Q U IT Y 5. Claims on securities purchased
b. Gain (Loss) from changes in the fair value of financial asset on under resale agreements - - - - - - - - - - - -
16. Issued and fully paid-in capital 212,919 161,136 212,919 161,136 liability instrument which measured by fair value from other 28,055 10,730 27,992 10,800 (Reverse Repo)
a. Authorized capital 300,000 300,000 300,000 300,000 comprehensive income
a. Rupiah - - - - - - - - - - - -
b. Unpaid capital -/- (87,081) (137,018) (87,081) (137,018) c. Others - - (69,902) - b. Foreign currencies - - - - - - - - - - - -
c. T reasury stock -/- - (1,846) - (1,846) 6. Acceptance receivables 3,574,274 - - - - 3,574,274 3,514,380 - - - - 3,514,380
O T HE R CO M P RE HE NS IV E INCO M E F O R T HE
17. Additional paid-in capital 17,826,159 11,175,667 17,797,597 11,145,923 28,055 45,799 ( 41,910) 47,084 7. Loans
CURRE NT P E RIO D - AF T E R O F T AX
a. Agio 17,565,358 10,914,866 17,561,063 10,909,389 a. Micro, Small and Medium
T O T AL CURRE NT CO M P RE HE NS IV E P RO F IT Enterprises (UMKM) 8,999,849 320,910 72,521 82,990 446,505 9,922,775 6,087,629 129,671 9,342 47,647 367,253 6,641,542
b. Disagio -/- - - - - 1,782,833 1,934,720 2,253,022 2,442,348
(LOSS)
c. Fund for paid up capital - - - - i. Rupiah 8,997,578 320,910 72,521 82,990 446,505 9,920,504 6,087,629 129,671 9,342 47,647 367,253 6,641,542
ii. Foreign currencies 2,271 - - - - 2,271 - - - - - -
d. Others 260,801 260,801 236,534 236,534 Net in com e of th e cu rren t p eriod attrib u tab le to:
b. Non-Micro, Small and Medium 117,764,071 6,005,291 289,864 190,502 962,866 125,212,594 121,099,092 6,699,498 199,721 100,424 1,111,166 129,209,901
18. Other comprehensive income 869,163 860,288 989,718 886,452 Enterprises (Non-UMKM)
- Owners of T he Parent 1,754,778 1,888,921 1,994,177 2,093,737 i. Rupiah 78,157,999 5,153,323 206,594 190,502 962,866 84,671,284 80,580,800 5,641,787 91,537 100,424 1,111,166 87,525,714
a. Profit 962,237 953,361 1,110,406 979,525
- Non Controlling Interest 300,755 301,527 ii. Foreign currencies 39,606,072 851,968 83,270 - - 40,541,310 40,518,292 1,057,711 108,184 - - 41,684,187
b. Loss -/- (93,074) (93,073) (120,688) (93,073) c. Restructured loans 590,687 3,844,099 106,269 33,876 904,840 5,479,771 1,360,442 2,646,799 19,065 36,385 1,033,448 5,096,139
19. Reserves 42,953 32,596 42,953 32,596 NET PROFIT (LOSS) FOR T HE CURRENT PERIOD 1,754,778 1,888,921 2,294,932 2,395,264
i. Rupiah 590,687 3,844,099 106,269 33,876 904,840 5,479,771 1,360,442 2,646,799 19,065 36,385 1,033,448 5,096,139
a. General reserves 42,953 32,596 42,953 32,596 T otal cu rren t com p reh en sive P rof it ( L oss) attrib u tab le ii. Foreign currencies - - - - - - - - - - - -
b. Appropriate reserves - - - - to :
8. Equity Investment 22 - - - - 22 22 - - - - 22
20. Profit/loss 22,793,067 21,501,133 27,835,318 26,440,319 - Owners of T he Parent 1,782,833 1,934,720 1,980,289 2,140,847 9. Other receivables 117,589 - - - - 117,589 - - - - - -
a. Previous years 21,509,956 20,019,562 26,312,808 24,701,125 - Non Controlling Interest 272,733 301,501 10. Commitment and contingencies 136,683,979 1,562,212 - - - 138,246,191 118,676,645 1,360,055 - - - 120,036,700
b. Current year 1,754,778 2,100,711 1,994,177 2,358,334 a. Rupiah 72,886,062 1,059,632 - - - 73,945,694 57,368,885 716,680 - - - 58,085,565
T OT AL CURRENT COMPREHENSIVE PROFIT (LOSS) 1,782,833 1,934,720 2,253,022 2,442,348
c. Payable dividend -/- (471,667) (619,140) (471,667) (619,140) b. Foreign currencies 63,797,917 502,580 - - - 64,300,497 61,307,760 643,375 - - - 61,951,135
P RO F IT ( L O S S ) T RANS F E RRE D T O HE AD O F F ICE - - - - III. O T H E R IN F O R M A T IO N
T O T A L E Q U IT Y A T T R IB U T A B L E T O T H E Value of Bank's assets pledged
DIV IDE N D 471,667 - 683,983 - 1.
O W NE RS O F P ARE NT S 41,744,261 33,730,820 46,878,505 38,666,426 as collateral:
E ARNING P E R S HARE ( F u ll am ou n t)
a. T o Bank Indonesia - -
T O T A L E Q U IT Y 41,744,261 33,730,820 46,878,505 38,666,426 - Basic 177 234 201 260 b. T o other parties - -
T O T A L L IA B IL IT Y A N D E Q U IT Y 190,614,282 181,241,336 228,584,377 201,448,392 - Diluted 177 234 201 260 2. Foreclosed assets 60,392 77,020
ALLOWANCE FOR IMPAIRMENT LOSSES CAPITAL ADEQUACY RATIO
As of 30 September 2024 and 2023
As of 30 September 2024 and 2023
( In m illion R u p iah )
( I n m i l l i on R u p i a h )
30 Sep 2024 30 Sep 2023
INDIVIDUAL ACCOUNTS Unaudited Audited
30 Sep 2024 30 Sep 2023 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
Unaudited Audited I. C ore C ap ital ( T ier 1) 32,395,092 42,752,113 30,582,124 36,474,300
No. ACCOUNTS
1. C om m on E q u ity T ier 1 ( C E T 1) 32,395,092 42,752,113 30,582,124 36,474,300
Allowance for Impairment Required Provision Allowance for Impairment Required Provision 1.1 P aid in cap ital ( less T reasu ry stock) 212,919 212,919 161,136 161,136
1.2 D isclosed reserves 41,196,108 46,399,945 32,923,871 38,074,249
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1.2.1 Additional Factor 41,363,617 46,405,295 33,190,230 38,074,894
1. Placemen ts with oth er b an ks 197 - - 12,961 - 148 - - 8,946 - 1.2.1.1 Other comprehensive income 962,239 965,961 953,488 957,249
1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
2. Sp ot an d d erivative receivab les - - - 16,508 356 - - - 15,611 12
1.2.1.1.2 Potential gain of the increase in the fair value of financial assets available for sale 30,862 30,914 2,981 3,075
3. Secu rities 609 131 - 10,261 - 693 27 - 24,927 - 1.2.1.1.3 Fixed asset revaluation 931,377 935,047 950,507 954,174
4. Secu rities sold u n d er rep u rch ase - - - - - - - - - - 1.2.1.2 Other disclosed reserves 40,401,378 45,439,334 32,236,742 37,117,645
ag reemen ts (Rep o) 1.2.1.2.1 Agio 17,565,358 17,561,063 10,914,804 10,909,327
1.2.1.2.2 General reserves 42,953 42,953 32,596 32,596
5. Claims on secu rities p u rch ased u n d er
- - - - - - - - - - 1.2.1.2.3 Previous years profit 21,038,289 25,841,141 19,400,421 24,081,985
resale ag reemen ts (Reverse Rep o) 1.2.1.2.4 Current year profit 1,754,778 1,994,177 1,888,921 2,093,737
6. Accep tan ce receivab les 2,013 1,682 - 21,747 - 2,121 242 - 35,144 - 1.2.1.2.5 Capital paid in advance - - - -
1.2.1.2.6 Others - - - -
7. L oan s an d f in an cin g 694,688 227,795 2,366,304 1,332,910 1,907,882 591,264 151,431 2,378,963 1,298,475 1,920,822
1.2.2 Deduction Factor (167,509) (5,350) (266,359) (645)
8. Eq u ity In vestmen ts - - - 78,592 - - - - 13,085 - 1.2.2.1 Other comprehensive income - - - -
9. Oth er receivab les 38 - - 1,193 - - - - 218 - 1.2.2.1.1 Excess differences less from translation of financial statement - - - -
1.2.2.1.2 Potential losses from the decrease in the fair value of financial assets available for sale - - - -
10. Commitmen t an d con tin g en cies 35,439 22,045 - 52,641 78,049 27,564 28,922 - 61,939 67,910 1.2.2.2 Other disclosed reserve (167,509) (5,350) (266,359) (645)
1.2.2.2.1 Disagio - - - -
FINANCIAL RATIOS STATEMENTS OF CONSOLIDATED CASH FLOWS 1.2.2.2.2 Previous years loss - - - -
As of 30 September 2024 dan 2023 1.2.2.2.3 Current year loss - - - -
For the periods ended on 30 September 2024 and 2023 1.2.2.2.4 Differences between required provision and allowance for impairment losses of earning assets (162,159) - (265,714) -
30 Sep 2024 30 Sep 2023
RATIOS (%) ( In m illion Ru p iah ) 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the T rading Book - - - -
Unaudited Audited 1.2.2.2.6 Required provision on non-productive assets (5,350) (5,350) (645) (645)
P e rf orm a n c e R a ti os 30 Sep 2024 30 Sep 2023 1.2.2.2.7 Others - - - -
1. Cap ital Ad eq u acy Ratio (CAR) 28.61% 27.27%
ACCOUNTS
Unaudited Audited 1.3 N on - C on trollin g In terests th at can b e calcu lated - - - -
2. Non -p erf ormin g earn in g assets an d n on -earn in g assets to total 1.4 D ed u ction f actor to com m on eq u ity tier 1 ( C E T 1) - - - -
0.64% 0.64%
earn in g assets an d n on -earn in g assets CAS H F L O W S F RO M O P E RAT ING ACT IV IT IE S 1.4.1 Deferred tax calculation ( 9,013,935) ( 3,860,751) ( 2,502,883) ( 1,761,085)
3. Non -p erf ormin g earn in g assets to total earn in g assets 0.63% 0.64% 1.4.2 Goodwill (378,473) (764,166) (408,413) (605,843)
4. Allowan ce f or imp airmen t losses on f in an cial assets to earn in g
Receipt from interest 13,220,572 9,788,123
1.4.3 Other intangible assets - (1,217,527) - (61,116)
1.83% 1.92%
assets Receipt from sharia income 4,173,750 4,299,400 1.4.4 Investment that can be calculated as deduction factor (798,757) (1,800,724) (808,509) (1,013,760)
5. NPL g ross 1.45% 1.33% Payments of interest expense (8,727,380) (5,399,565) 1.4.5 Shortage of capital on insurance subsidiary company (7,836,705) (78,334) (1,285,961) (80,366)
6. NPL n et 0.50% 0.48% 1.4.6 Securitization exposures - - - -
7. Retu rn on Asset (ROA) 1.47% 1.70%
Payments of sharia expenses (385,211) (360,604) 1.4.7 Other deduction factor to common equity tier 1 - - - -
8. Retu rn on Eq u ity (ROE) 7.41% 8.41% Receipt from other operating income 1,811,114 1,281,375 1.4.7.1 Placement of funds in instruments AT 1 and / or T ier 2 other banks - - - -
9. Net In terest Marg in (NIM) 4.12% 4.04% Recovery from written-off loans 193,855 221,983 1.4.7.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
10. Op eratin g Exp en ses to Op eratin g Reven u es 83.00% 80.55% 1.4.7.3 Exposure that causing Credit Risk due to settlement risk - Non Delivery Versus Payment - - - -
11. Cost to In come Ratio (CIR) 59.82% 52.59%
Payments of personnel expenses (3,685,547) (2,849,572) 1.4.7.4 Exposure in child company which held sharia principle - - - -
12. L oan to Dep osit Ratio (L DR) 137.93% 143.81% Payments of other operating expenses (3,962,925) (2,084,270) 2 A d d ition al T ier 1 ( A T 1) - - - -
C om p l i a n c e R a ti os Other payments (223,944) 23,173 2.1 T h e in stru m en t m eets th e req u irem en ts of A T 1 - - - -
2.2 A g io / D isag io - - - -
1. a. Percen tag e Violation of L eg al L en d in g L imit
Payments of corporate income tax (572,377) (691,250) 2.3 D ed u ction F actors : In vestm en t in A T 1 an d /or T ier 2 in stru m en ts with oth er B an k - - - -
i. Related p arties 0.00% 0.00%
2.3.1 Placement of funds in instruments AT 1 and/or T ier 2 other banks - - - -
ii. Non -related p arties 0.00% 0.00% Cash f lows b ef ore ch an g es in op eratin g assets, op eratin g
1,841,907 4,228,793 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
b . Percen tag e L en d in g in Excess of th e L eg al L en d in g L imit liab ilities an d tem p orary syirkah f u n d s II. S u p p lem en tary C ap ital ( T ier 2) 4,484,356 4,755,994 4,544,999 4,653,638
i. Related p arties 0.00% 0.00%
Ch an g es in op eratin g assets, op eratin g liab ilities, an d 1 Capital instrument in form of shares or others which are qualified T ier 2 requirements 3,028,000 3,028,000 3,091,000 3,091,000
ii. Non -related p arties 0.00% 0.00% 1.1 Preferred Stock (perpetual cumulative, non perpetual), after buy back deduction - - - -
2. Statu tory Reserves Req u iremen ts tem p orary syirkah f u n d s: 1.2 Subordinated bonds (perpetual cumulative, non perpetual), after buy back deduction - - - -
a. Ru p iah 6.07% 7.89% ( In crease) d ecrease in op eratin g assets: 1.3 Subordinated loan (perpetual cumulative, non perpetual), after buy back deduction 3,028,000 3,028,000 3,091,000 3,091,000
- Daily 0.00% 0.00% 1.4 Mandatory convertible bond - - - -
- Averag e 6.07% 7.89% Derivative receivables (22,027) 185,489 1.5 T ier 2 published by bank and non bank which acquired by other party (consolidated) - - - -
b . Foreig n Cu rren cies 4.02% 4.02% Acceptance receivables (284,517) (444,526) 1.6 Amortization based on remaining maturity - - - -
3. Net Op en Posisition 1.20% 0.87% 2 Agio/Disagio - - - -
Loans 8,754,457 (4,725,506)
3 General required provision of earning assets (maximum 1.25% of RW A) 1,456,356 1,727,994 1,453,999 1,562,638
Sharia financing/receivables (310,981) (1,454,704) 4 Deduction factor to supplementary capital - - - -
Financing receivables (2,167,612) - 4.1 Sinking Fund - - - -
4.2 Placement of funds in instruments AT 1 and / or T ier 2 other banks - - - -
In crease ( d ecrease) in op eratin g liab ilities:
4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
Obligations due immediately (9,516) (53) T O T A L C A P IT A L 36,879,448 47,508,107 35,127,123 41,127,938
Deposits from customers 5,369,521 (6,947,769) 30 Sep 2024 30 Sep 2023 30 Sep 2024 30 Sep 2023
Deposits from other banks (10,017,014) 7,240,232 Unaudited Audited DESCRIPTION Unaudited Audited
Derivative payables 493,334 (101,201) INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
R IS K W E IG H T E D A S S E T ( R W A ) C A R R A T IO
Acceptance payables 757,536 212,798 R W A C R E D IT R IS K 116,438,048 146,862,370 116,315,550 125,321,046 C E T 1 R atio ( % ) 25.13% 26.79% 23.74% 26.41%
In crease in tem p orary syirkah f u n d s (172,670) 665,005 R W A M A R K E T R IS K 1,977,101 1,977,101 2,267,324 2,267,324 T ier 1 R atio ( % ) 25.13% 26.79% 23.74% 26.41%
R W A O P E R A T IO N A L R IS K 10,491,515 10,729,480 10,225,433 10,500,842 T ier 2 R atio( % ) 3.48% 2.98% 3.53% 3.37%
Net cash f lows ( u sed in ) p rovid ed f rom op eratin g activities 4,232,418 ( 1,141,442) T O T AL RW A 128,906,664 159,568,951 128,808,307 138,089,212 C A R R atio ( % ) 28.61% 29.77% 27.27% 29.78%
CAS H F L O W S F RO M INV E S T ING ACT IV IT IE S C A R R A T IO B A S E D O N R IS K P R O F IL E ( % ) 9.20% 9.18% 9.20% 9.20% C E T 1 f or B U F F E R ( % ) 19.13% 20.59% 17.74% 20.41%
C A R A L L O C A T IO N B A S E D O N R IS K P R O F IL E B U F F E R P E R C E N T A G E S H O U L D B E F U L F IL L E D B Y B A N K ( % )
Purchase of securities (22,994,049) (8,093,600) F rom C E T 1 ( % ) 6.00% 6.20% 6.00% 6.00% C ap ital C on servation B u f f er ( % ) 2.50% 2.50% 2.50% 2.50%
Proceeds from sale of securities 11,451,712 10,293,351 F rom A T 1 ( % ) 0.00% 0.00% 0.00% 0.00% C ou n tercyclical B u f f er ( % ) 0.00% 0.00% 0.00% 0.00%
Purchases of fixed assets (146,372) (165,367) F rom T ier 2 ( % ) 3.20% 2.98% 3.20% 3.20% C ap ital S u rch arg e F or S ystem ic B an k 1.00% 1.00% 1.00% 1.00%
(%)
Acquisition of right-of-use asset (14,038) (2,655)
Acquisition of intangible assets (287,695) (331,937)
Proceeds from sale of fixed assets 34,065 3,506 MANAGEMENT SHAREHOLDERS
Acquisition of subsidiaries, net of cash acquired (5,519,887) -
Net cash f lows p rovid ed f rom ( u sed in ) in vestin g activities ( 17,476,264) 1,703,298
As of 30 September 2024 As of 3 0 Se pte mbe r 2 0 2 4
CAS H F L O W S F RO M F INANCING ACT IV IT IE S
Settlement of securities issued (480,000) -
BOARD OF COMMISSIONERS Ultima te Sha re holde r:
Proceeds from borrowings 1,053,343 50,000
Proceeds from borrowings 8,430,993 6,998,809 - President Commissioner : Chow Ying Hoong Ultimate Shareholder : Sumitomo Mitsui Financial Group
Installment payments and settlement of borrowings (7,245,134) (22,438,613)
- Commissioner : Takeshi Kimoto through Sumitomo Mitsui Banking Corporation : 91.05%
Proceed from Right Issue 6,702,275 -
STATEMENTS OF COMMITMENT AND CONTIGENCIES Sales of treasury shares to public 1,219 2,046
As of 30 September 2024 and 2023 Payments of dividend (683,958) (832,860) - Independent Commissioner : Ninik Herlani Masli Ridhwan Non- c ontrolling sha re holde r through c a pita l ma rke t (≥ 5 %) :
( In million Ru p iah )
INDIVIDUAL CONSOLIDATED
Payment of lease liabilities principals (59,437) (103,242) - Independent Commissioner : Onny Widjanarko None
Net cash f lows p rovid ed f rom f in an cin g activities 7,719,301 ( 16,323,860)
No. ACCOUNTS 30 Sep 2024 31 Dec 2023 30 Sep 2024 31 Dec 2023
Unaudited Audited Unaudited Audited
- Independent Commissioner : Edmund Tondobala Non- c ontrolling sha re holde r not through c a pita l ma rke t (≥ 5 %) :
NE T INCRE AS E IN CAS H AND CAS H E Q UIV AL E NT S ( 5,524,545) ( 15,762,004)
I. CO M M IT M E NT RE CE IV ABL E S 76,214,724 80,982,245 114,322,697 80,982,245 - Commissioner : Ongki Wanadjati Dana
1. Unused borrowing facilities 33,762,200 40,326,914 54,528,754 40,326,914
E F F E CT O F E X CHANG E RAT E CHANG E S O N CAS H AND
( 34,332) 17,335 None
2. Outstanding spot and derivative /
42,452,524 40,655,331 59,793,943 40,655,331
CAS H E Q UIV AL E NT S
- Independent Commissioner : Marita Alisjahbana *)
forward purchased
CAS H AND CAS H E Q UIV AL E NT S AT T HE BE G INNING O F
3. Others - - - - 23,472,990 39,377,753
Y E AR
II. CO M M IT M E NT L IABIL IT IE S 177,124,498 156,823,356 177,245,273 156,823,356 Jakarta, 30 October 2024
CAS H AND CAS H E Q UIV AL E NT S AT T HE E ND O F
1. Unused loans facilities
a. Committed
133,336,676
12,384,914
115,779,514
10,870,217
133,457,451
12,384,914
115,779,514
10,870,217
P E RIO D
17,914,113 23,633,084 BOARD OF DIRECTORS PT Bank SMBC Indonesia Tbk
b. Uncommitted 120,951,762 104,909,297 121,072,537 104,909,297 Cash an d cash eq u ivalen ts con sist of :
- President Director : Henoch Munandar (Formerly PT BANK BTPN Tbk)
2. Outstanding irrevocable L/C 1,181,371 721,016 1,181,371 721,016
Cash 1,134,337 1,432,764
3. Outstanding spot and derivative /
forward sold
42,606,451 40,322,826 42,606,451 40,322,826 Current accounts with Bank Indonesia 7,870,182 9,762,159 - Deputy President Director : Kaoru Furuya
4. Others - - - - Current accounts with other banks 1,664,452 897,474
III. CO NT ING E NT RE CE IV ABL E S 30,244,482 30,270,312 30,297,672 30,315,051 Placement with Bank Indonesia and other banks 4,690,740 6,799,355 - Deputy President Director : Darmadi Sutanto
1. Guarantees received 30,244,482 30,270,312 30,244,482 30,270,312 Securities 2,554,402
17,914,113
4,741,332
23,633,084
- Compliance Director : Dini Herdini
2. Others - - 53,190 44,739
IV . CO NT ING E NT L IABIL IT IE S 7,778,190 5,455,734 7,778,190 5,455,734 S UP P L E M E NT AL CAS H F L O W INF O RM AT IO N: - Director : Atsushi Hino
1. Guarantees issued 7,778,190 5,455,734 7,778,190 5,455,734 ACT IV IT IE S NO T AF F E CT ING CAS H F L O W
2. Others - - - - Purchases of fixed assets which are still payable (592) (498) - Director : Keishi Kobata
Catatan : - Director : Merisa Darwis
1. The above consolidated financial information are prepared based on the Consolidated Financial Statements of PT Bank SMBC Indonesia Tbk (Formerly PT BANK BTPN Tbk) and Subsidiary for the nine months - Director : Hanna Tantani
period ended on 30 September 2024 which were unaudited and on 30 September 2023 and for the year ended on 31 December 2023 which were audited.
2. The consolidated financial information above is presented in order to meet:
a) Financial Services Authority Regulation No. 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Financial Statements for Banks;
*) Marita Alisjahbana was appointed as Independent Commissioner at
b) Circular Letter of Financial Services Authority No. 9/SEOJK.03/2020 dated 30 June 2020 regarding Transparency and Publication of Financial Statements for Conventional Commercial Banks; Extraodinary GMS on 29 August 2024 and has been effectively Henoch Munandar Hanna Tantani
c) Financial Services Authority Regulation No. 14/POJK.04/2022 dated 18 August 2022 regarding Submission of Periodic Reports Issuer or Public Company;
d) Financial Services Authority Regulation No. 75 /POJK.04/2017 dated 21 December 2017 regarding the Responsibility of the Board of Directors of the Financial Statements. assume the office on 2 September 2024. President Director Director
3. Main foreign exchange rates: 30 September 2024: 1 USD = Rp 15,140; 30 September 2023: 1 USD = Rp 15,455; 31 December 2023: 1 USD = Rp 15,397.00.
PT Bank SMBC Indonesia Tbk (Formerly PT BANK BTPN Tbk) is licensed and supervised by The Financial Services Authority (OJK), Bank Indonesia (BI) and member of The Indonesian Deposit Insurance Corporation (LPS) www.btpn.com
Names mentioned 22 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×6
unresolved
org
Sumitomo Mitsui Banking Corporation
p.1
unresolved
org
Financial Services Authority
p.1 ×5
unresolved
org
Indonesian Deposit Insurance Corporation
p.1
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