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Lampiran 3. Surat S.386/DIR/CSGC/X/2024 Bukti Publikasi Website (25 Oktober 2024)
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STATEMENT OF FINANCIAL
PT Bank BTPN Syariah Tbk.
30 September 2024
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 30 September 2024 and 31 December 2023 (in Millions of Rupiah) For The Periodes Ended 30 September 2024 and 2023 As of 30 September 2024 and 2023 (in Millions of Rupiah)
(in Millions of Rupiah, except net income per share)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 30 September 2024 30 September 2023
No DESCRIPTION 30 Sept 2024 31 Dec 2023 30 Sept 2024 31 Dec 2023 No DESCRIPTION 30 Sept 2024 30 Sept 2023 30 Sept 2024 30 Sept 2023 No COMPONENTS OF CAPITAL Unaudited Unaudited
Unaudited Audited Unaudited Audited Unaudited Unaudited Unaudited Unaudited INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
ASSETS OPERATING INCOME AND EXPENSES I. Core Capital (Tier 1)
A. Income & Expenses from Fund Management as Mudharib 1 Common Equity Tier 1 (CET 1)
1 Cash 437.391 497.153 437.391 497.153
1 Income from Fund Management as Mudharib 4.057.944 4.300.529 4.067.172 4.308.418 1.1 Paid-in capital (net of treasury stock) 770.346 770.346 770.308 770.308
2 Placements with Bank Indonesia 1.159.247 763.443 1.159.247 763.443
a. Income from receivables 1.2 Reserve additional capital
3 Placements with other Banks 3.852 4.715 251.475 245.119
i. Murabahah 3.641.521 3.977.921 3.641.521 3.977.921 1.2.1 Additional factor
4 Spot and forward receivables - - - -
ii. Istishna' - - - - 1.2.1.1 Other comprehensive income
5 Investments in marketable securities 8.958.298 8.491.180 9.037.026 8.571.244
iii. Multiservices ijarah - - - - 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
6 Securities purchased under resale agreements (reverse repo) - - - -
iv. Ujrah - 182 - 182 1.2.1.1.2 Potential gain due to increases of fair value of financial assets classified as fair value through other 81 81 132 132
7 Acceptance receivables - - - - comprehensive income
v. Others - - - -
8 Receivables 1.2.1.1.3 Surplus of fixed assets revaluation 5.239 5.239 5.239 5.239
b. Income from Financing
a. Murabahah receivables 9.949.369 11.367.662 9.949.369 11.367.662 1.2.1.2 Other disclosed reserves
i. Mudharabah - - - -
b. Istishna’ receivables - - - - 1.2.1.2.1 Agio 880.356 880.356 879.174 879.174
ii. Musyarakah 5.559 4.031 5.559 4.031 1.2.1.2.2 General reserves 145.000 145.000 125.000 125.000
c. Multiservices ijarah receivables - - - -
iii. Others - - - - 1.2.1.2.3 Previous years profit after tax 6.360.097 6.379.838 5.848.772 5.859.737
d. Funds of qardh 116 530 116 530
c. Income from ijarah - - - - 1.2.1.2.4 Current year profit after tax 764.470 770.562 997.110 1.003.665
e. Ijarah receivables - - - -
d. Others 410.864 318.395 420.092 326.284 1.2.1.2.5 Funds for paid-up capital - - - -
9 Profit sharing financing
2 Profit Sharing for Investors -/- (382.534) (362.240) (382.525) (362.231) 1.2.1.2.6 Capital contribution - - - -
a. Mudharabah - - - -
a. Non profit sharing (382.534) (362.240) (382.525) (362.231) 1.2.1.2.7 Warrants issued - - - -
b. Musyarakah 381.299 19.669 381.299 19.669
b. Profit sharing - - - - 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
c. Others - - - -
3 Net Income from Fund Management as Mudharib 3.675.410 3.938.289 3.684.647 3.946.187 1.2.2 Deduction factor
10 Asset acquired for Ijarah - - - -
B. Operating Income and Expenses other than as Mudharib 1.2.2.1 Other comprehensive expense
11 Investment in share 297.000 297.000 - - 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
Gain/Loss from increase/decrease in fair value of financial assets - - - -
1
12 Other financial assets 235.465 240.402 235.465 240.402 1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other - - - -
13 Allowance for impairment on financial assets -/- (972.178) (1.213.916) (972.572) (1.213.916) comprehensive income
Gain/Loss from decrease/increase in fair value of financial liabilities - - - -
2
1.2.2.2 Other disclosed reserves
14 Salam - - - -
3 Gain/Loss on sale of financial assets - - - - 1.2.2.2.1 Disagio - - - -
15 Istishna' assets in progress - - - -
4 Gain/Loss on spot and forward transactions (realised) - - - - 1.2.2.2.2 Previous years loss after tax that can be counted - - - -
Istishna' term -/- - - - -
5 Gain/Loss on investment under equity method - - - - 1.2.2.2.3 Current year loss after tax - - - -
16 Inventory - - - -
6 Gain/Loss on foreign exchange translation - - (1.344) (589) 1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning asset - - - -
17 Intangible assets 211.249 210.744 211.249 210.744
7 Bank income as mudharib in mudharabah muqayyadah - - - - 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
18 Fixed assets and equipments 367.582 376.224 367.597 376.242
1.2.2.2.6 Regulatory provision on non earning assets - - - -
8 Dividend Income - - - -
19 Non earning assets 1.3 Minority interest that can be counted
9 Commission/provision/fees and administration income 1.094 969 1.094 968
a. Abandoned property - - - - 1.4 Deduction factors of CET 1
10 Other income 55.127 51.673 55.127 51.673
b. Foreclosed collaterals - - - - 1.4.1 Deferred tax calculation (220.784) (220.520) (195.410) (194.697)
11 Wadiah bonus expenses -/- (308) (546) (308) (546)
c. Suspense Accounts - - - - 1.4.2 Goodwill - - - -
12 Impairment for financial asset -/- (1.108.028) (1.197.888) (1.108.421) (1.197.888)
d. Interoffice assets - - - - 1.4.3 Investments in share calculated as deduction (211.249) (211.249) (205.251) (205.251)
13 Losses related to operational risks -/- (5.933) (5.267) (5.933) (5.267)
20 Other assets 301.981 357.699 301.717 357.074 1.4.4 Shortfall on the capital of insurance subsidiaries (297.000) - (297.000) -
14 Impairment for non financial assets -/- - - - -
TOTAL ASSETS 21.330.671 21.412.505 21.359.379 21.435.366 1.4.5 Securitisation exposure - - - -
15 Salaries and employee benefits -/- (1.068.698) (989.719) (1.070.204) (990.136)
LIABILITIES AND EQUITIES 1.4.6 Eksposur sekuritisasi - - - -
16 Promotion Expenses -/- (6.643) (6.239) (6.644) (6.239)
LIABILITIES 1.4.7 Other deduction factor of CET 1
17 Other Expenses -/- (568.429) (515.687) (568.606) (515.978) 1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
1 Wadiah Deposits
Net Operating Income/Expenses (2.701.818) (2.662.704) (2.705.239) (2.664.002) 2 Additional Tier 1 (AT 1)
a. Demand Deposits 4.478 24.009 4.478 24.009
OPERATING INCOME/EXPENSES 973.592 1.275.585 979.408 1.282.185 - - - -
2.1 Instruments which comply with AT 1 regulations
b. Savings Deposits 2.085.683 2.197.988 2.085.683 2.197.988
NON-OPERATING INCOME/ EXPENSES 2.2 Agio / disagio (+/-) - - - -
2 Non-profit sharing investments
1 Gain/Loss from sale of fixed assets and equipment 4.092 1.581 4.092 1.581 2.3 Deduction factor of AT 1
a. Demand Deposits - - - -
2 Other non-operating income/expenses (1.137) (1.239) (1.160) (1.262) 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
b. Savings Deposits 939.271 890.066 938.919 889.954
NON-OPERATING INCOME/EXPENSES 2.955 342 2.932 319 II. Supplemental Capital (Tier 2)
c. Time Deposits 8.809.231 9.030.866 8.809.231 9.030.866
CURRENT YEAR PROFIT/LOSS BEFORE TAX 976.547 1.275.927 982.340 1.282.504 1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
3 Electronic Money - - - -
Income taxes 2 Agio/Disagio (+/-) - - - -
4 Liabilities to Bank Indonesia - - - -
a. Estimated current year tax -/- (158.627) (309.434) (158.627) (309.434) 3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 95.183 96.782 110.915 112.514
5 Liabilities to Other Banks - - - - 4 Appropriated reserves - - - -
b. Deferred tax income/expenses (53.450) 30.617 (53.089) 30.661
6 Spot and forward payables - - - - 5 Deduction supplemental capital
CURRENT YEAR NET PROFIT/LOSS 764.470 997.110 770.624 1.003.731
7 Marketable securities issued - - - - 5.1 Sinking Fund - - - -
MINORITY INTEREST PROFIT/LOSS 62 66
8 Acceptance liabilities - - - - 5.2 Investment on Tier 2 instrument to other bank - - - -
OTHER COMPREHENSIVE INCOME
9 Fund Borrowings - - - - TOTAL CAPITAL 8.291.739 8.616.435 8.038.989 8.355.821
1 Items that will not be reclassified to profit or loss
10 Guarantee deposit - - - -
a. Gain/Loss from revaluation of properties - - - - 30 September 2024 30 September 2023 30 September 2024 30 September 2023
11 Interoffice liabilities - - - - Unaudited Unaudited Unaudited Unaudited
b. Gain/Loss from remeasurement on defined benefit plan - (9.859) - (9.859) DESCRIPTION DESCRIPTION
12 Other liabilities 512.516 515.313 512.552 515.416 INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
c. Others - - - -
13 Profit sharing investment funds - - - -
2 Items that will be reclassified to profit or loss RISK WEIGHTED ASSETS RASIO KPMM
14 Minority interest 3.191 3.129
a. Gain/Loss from exchange difference on translation of foreign CREDIT RISK - WEIGHTED ASSETS 7.339.256 7.468.334 8.596.500 8.726.077 Rasio CET 1 (%) 49,60% 51,13% 47,50% 49,01%
- - - -
TOTAL LIABILITIES 12.351.179 12.658.242 12.354.054 12.661.362 currency financial statement
MARKET RISK - WEIGHTED ASSETS - - - - Rasio Tier 1 (%) 49,60% 51,13% 47,50% 49,01%
EQUITIES
b. Gain/Loss from changes of financial assets on measured at fair OPERATIONAL RISK - WEIGHTED ASSETS 9.185.583 9.194.553 8.092.909 8.095.128 Rasio Tier 2 (%) 0,58% 0,58% 0,66% 0,67%
(62) 69 (62) 69
15 Share capital value through other comprehensive income
TOTAL RISK WEIGHTED ASSETS 16.524.839 16.662.887 16.689.409 16.821.205 Rasio KPMM (%) 50,18% 51,71% 48,17% 49,67%
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 c. Others - - - - CAR BASED ON RISK PROFILE (%) 9,21% 9,21% 9,18% 9,18% 40,97% 42,50% 38,99% 40,49%
b. Unpaid-in capital -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (62) (9.790) (62) (9.790) CAPITAL ALLOCATION FOR CAR BASED ON
c. Treasury stock -/- (24) (62) (24) (62) TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 764.408 987.320 770.562 993.941 RISK PROFILE
16 Additional paid-in capital Current Year Net Profit/Loss Attributable to : From CET 1 (%) 8,63% 8,63% 8,52% 8,51% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
a. Agio 842.145 840.964 842.145 840.964 Owner 764.470 997.110 770.562 1.003.665 From AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - - Non controlling interest - - 62 66 From Tier 2 (%) 0,58% 0,58% 0,66% 0,67% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
c. Capital contribution - - - - TOTAL CURRENT YEAR NET PROFIT/LOSS 764.470 997.110 770.624 1.003.731
d. Fund for paid up capital - - - - Total Comprehensive Profit/Loss For The Year Attributable To : STATEMENT OF ALLOWANCE OF IMPAIRMENT OF LOSSES
e. Others 20.916 20.916 20.916 20.916 Owner 764.408 987.320 770.500 993.875 As of 30 September 2024 and 2023 (in Millions of Rupiah)
17 Other comprehensive income Non controlling interest - - 62 66
INDIVIDUAL
a. Gain 38.307 38.370 38.307 38.370 Total Comprehensive Profit/Loss For The Year 764.408 987.320 770.562 993.941
No DESCRIPTION 30 September 2024 30 September 2023
b. Loss -/- - - - - DIVIDEND (540.397) (712.535) (540.397) (712.535) Unaudited Unaudited
18 Reserve EARNINGS PER SHARE (in Rupiah) 99 129 100 130 Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
a. General reserve 145.000 125.000 145.000 125.000 Individual Collective General Specific Individual Collective General Specific
STATEMENT OF COMMITMENTS AND CONTINGENCIES
b. Appropriated reserve - - - - As of 30 September 2024 and 31 December 2023 1 Placements with other banks - - 39 - - - 32 -
(in Millions of Rupiah)
19 Profit / Loss 2 Spot and forward receivables - - - - - - - -
INDIVIDUAL CONSOLIDATION
a. Previous years 6.938.705 6.599.517 6.958.446 6.610.482 No DESCRIPTION 3 Securities - - 8.521 - - - 6.427 -
30 Sept 2024 31 Dec 2023 30 Sept 2024 31 Dec 2023
b. Current year 764.470 1.071.723 770.562 1.080.499 Unaudited Audited Unaudited Audited 4 Acceptance receivables - - - - - - - -
c. Dividens paid -/- (540.397) (712.535) (540.397) (712.535) I. COMMITMENT RECEIVABLES 5 Murabahah receivables - 972.015 92.727 112.172 - 947.832 110.501 107.549
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 8.979.492 8.754.263 9.005.325 8.774.004 1. Unused financing facilities - - - - 6 Istishna' receivables - - - - - - - -
TOTAL EQUITIES 8.979.492 8.754.263 9.005.325 8.774.004 2. Foreign currency positions to be received from spot and forward 7 Multi-services ijarah receivables - - - - - - - -
- - - -
transactions
TOTAL LIABILITIES AND EQUITIES 21.330.671 21.412.505 21.359.379 21.435.366 8 Funds of qardh - 27 1 26 - 125 2 124
3. Others - - - -
9 Ijarah receivables - - - - - - - -
II. COMMITMENT PAYABLES
CONSOLIDATED STATEMENTS OF CASH FLOWS 10 Mudharabah financing - - - - - - - -
1. Unused financing facilities
For The Priodes Ended 30 September 2024 and 2023 (in Millions of Rupiah) 11 Musyarakah financing - 136 3.813 - - 327 327 -
a. Committed - - - -
12 Other financing - - - - - - - -
30 Sept 2024 30 Sept 2023
DESCRIPTION b. Uncommitted 120.775 - 120.775 -
13 Investments in shares - - 2.970 - - - 2.970 -
Unaudited Unaudited
2. Outstanding irrevocable L/C - - - -
CASH FLOWS FROM OPERATING ACTIVITIES 14 Commitments and contingencies - - - - - - - -
3. Foreign currency positions to be submitted for spot and forward
- - - -
Receipts of income from fund management 4.072.110 4.299.400 transactions
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
Payments of profit sharing for temporary syirkah funds (385.211) (360.213) 4. Others - - - - As of 30 September 2024 UnAudited (in Millions of Rupiah)
Receipts of administrative income 6.506 3.301 III. CONTINGENT RECEIVABLES
INDIVIDUAL
Receipts from recovery of written-off murabahah receivables 67.998 76.829 1. Guarantees received - - - -
No TRANSACTION Type Derivative Receivables & Payable
Payments of personnel expenses (1.106.058) (1.058.102) 2. Income from non performing financing Nominal
Non Hedging Hedging Receivables Payables
Payments of other operating expenses (1.813.468) (1.366.622) a. Murabahah 53.190 44.738 53.190 44.738
A Exchange Rate Related
Payments related with non-operating income (expenses) - net (1.370) (1.651) b. Istishna' - - - -
1 Spot - - - - -
c. Ijarah - - - -
Payments of corporate income tax (168.093) (309.536) 2 Forward - - - - -
Cash flows before changes in operating assets and liabilities 672.414 1.283.406 d. Profit Sharing - - - -
3 Other - - - - -
e. Others - 1 - 1
Changes in operating assets, operating liabilities and temporary syirkah funds: B Other - - - - -
Decrease (increase) in operating assets: 3. Others - - - - TOTAL - - - - -
Placements with Bank Indonesia and other banks - - IV. CONTINGENT LIABILITIES
Murabahah receivables 1.418.293 (439.147) 1. Guarantees issued - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
As of 30 September 2024 UnAudited (in Millions of Rupiah)
2. Others - - - -
Musyarakah financing (361.630) 27.576
Net Revenue Sharing
Funds of qardh 414 2.885
STATEMENT OF FINANCIAL RATIOS
Other assets 2.039 (67.043) As of 30 September 2024 and 2023 Fund Owners Portion
Types of Funds Average Income to be
Increase (decrease) in operating liabilities:
30 Sept 2024 30 Sept 2023 Balance Distributed
Rate of Return
Liabilities due immediately (1.345) (8.545) No RATIOS Ratio (%) Total of Profit Sharing
Unaudited Unaudited Indication (%)
Deposits from customers (131.836) 40.439 PERFORMANCE RATIOS A B C D E
Other liabilities 32.257 13.923 1 Capital Adequacy Ratio (CAR) 50,18% 48,17% 1 Liabilities to other banks - - 0,00% - 0,00%
Minority rights - - 2 Non performing earning assets and non earning assets to total earning assets and non earning assets 1,85% 1,77% 2 Mudharabah demand deposits
Increase in temporary syirkah funds (172.670) 665.005 3 Non performing earning assets to total earning assets 1,85% 1,76% a. Bank - - 0,00% - 0,00%
Net cash flows provided from operating activities 1.457.936 1.518.499 4 Allowance for impairment on financial assets to earning assets 4,82% 4,65% b. Non Bank - - 0,00% - 0,00%
CASH FLOWS FROM INVESTING ACTIVITIES 5 Non Performing Financing (NPF) gross 3,61% 3,02% 3 Mudharabah savings deposits
6 Non Performing Financing (NPF) net 0,02% 0,70% a. Bank - - 0,00% - 0,00%
Proceeds from sale of fixed assets 4.294 1.966
7 Return On Assets (ROA) 6,12% 7,78% b. Non Bank 823.073 36.568 4,00% 1.463 2,16%
Purchase of fixed assets (64.794) (84.700)
8 Return On Equity (ROE) 12,78% 16,96% 4 Mudharabah time deposits
Purchase of intangible assets (47.442) (82.918)
9 Net Interest (NI) 24,49% 25,99% a. Bank
Purchase of marketable securities (5.628.770) (4.826.166)
10 Net Operating Margin (NOM) 6,11% 8,07% - 1 Month - - 0,00% - 0,00%
Sale of marketable securities 4.251.572 5.098.093
11 Operating Expenses to Operating Income (BOPO) 76,34% 70,70% - 3 Month - - 0,00% - 0,00%
Net cash flows used in investing activities (1.485.140) 106.275
12 Cost to Income Ratio (CIR) 44,21% 38,01% - 6 Month - - 0,00% - 0,00%
CASH FLOWS FROM FINANCING ACTIVITIES
13 Profit sharing financing to total financing 3,69% 0,27% - 12 Month - - 0,00% - 0,00%
Payments from borrowings - 50.000
b. Non Bank
14 Financing to Deposit Ratio (FDR) 87,26% 93,58%
Payments from borrowings - (100.000) - 1 Month 6.569.980 291.900 9,16% 31.572 5,85%
Compliance
Payments of dividend (525.231) (681.151) - 3 Month 1.625.451 72.218 9,17% 7.272 5,44%
1 a. Percentage violation of Legal Lending Limit (LLL)
Payments of tax on dividend (15.166) (31.384) - 6 Month 261.659 11.625 8,43% 993 4,62%
i. Related parties 0,00% 0,00%
Net cash flows used in financing activities (540.397) (762.535) - 12 Month 35.879 1.594 8,96% 56 1,90%
ii. Non related parties 0,00% 0,00%
NET INCREASE IN CASH AND CASH EQUIVALENTS (567.601) 862.239 5 Marketable securities issued - - 0,00% - 0,00%
b. Percentage of financing in excess of Legal Lending Limit (LLL)
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 4.260.714 4.143.991 TOTAL 9.316.042 413.905 41.356
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 3.693.113 5.006.230 i. Related parties 0,00% 0,00%
Cash and cash equivalents consist of: ii. Non related parties 0,00% 0,00% Average Balance Retained Earnings
Type of Fund Distribution
2 Statutory reserve requirement A B
Cash 437.391 595.667
a. GWM rupiah 4,95% 6,45% 1 Placements with other banks 9.090.572 58.455
Current accounts with Bank Indonesia 559.247 819.986
i. Daily 0,00% 0,00% 2 Murabahah receivables
Current accounts with other banks 6.975 5.161
ii. Average 4,95% 6,45% a. Bank - -
Placements with Bank Indonesia 600.000 57.000
b. GWM foreign currencies (Daily) 0,00% 0,00% b. Non Bank 10.194.482 380.841
Placements with other banks 244.500 236.000
3 Istishna’ receivables
Investments in marketable securities 1.845.000 3.292.416 3 Overall Net Open Position (NOP) 0,00% 0,00%
a. Bank - -
b. Non Bank - -
STATEMENT OF ASSETS QUALITY AND OTHER INFORMATION 4 Multiservices ijarah receivables
As of 30 September 2024 and 2023 (in Millions of Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
30 September 2024 30 September 2023 5 Funds of qardh
No DESCRIPTION Unaudited Unaudited a. Bank - -
Current "Special "Sub Doubtful Loss Total Current "Special "Sub Doubtful Loss Total b. Non Bank - -
Mention" Standard" Mention" Standard"
6 Mudharabah financing
I. RELATED PARTIES
a. Bank - -
1 Placements with other banks b. Non Bank - -
a. Rupiah 2.938 - - - - 2.938 2.271 - - - - 2.271 7 Musyarakah financing
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
2 b. Non Bank 340.846 1.687
Spot and forward receivables
8 Ijarah receivables
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Foreign currencies - - - - - - - - - - - -
b. Non Bank - -
3 Securities 9 Other financing
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank 152 -
TOTAL 19.626.052 440.983
4 Acceptance receivables - - - - - - - - - - - -
5 Receivables and ijarah
Profit Sharing
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - Fund Owners Portion
Average Income to be
Types of Funds
i. Rupiah - - - - - - - - - - - - Balance Distributed
Rate of Return
Ratio (%) Total of Profit Sharing
ii. Foreign currencies - - - - - - - - - - - - Indication (%)
A B C D E
b. Non Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
1 Liabilities to other banks
i. Rupiah - - - - - - - - - - - -
2 Mudharabah demand deposits
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - - 0,00% - 0,00%
c. Restructured loans b. Non Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - 3 Mudharabah savings deposits
ii. Foreign currencies - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
b. Non Bank - - 0,00% - 0,00%
6 Profit sharing financing
4 Mudharabah time deposits
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
a. Bank
i. Rupiah - - - - - - - - - - - -
- 1 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - -
- 3 Month - - 0,00% - 0,00%
b. Non Micro, small and medium enterprises (UMKM) - 6 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 12 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank
- 1 Month - - 0,00% - 0,00%
c. Restructured loans
- 3 Month - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
- 6 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - -
- 12 Month - - 0,00% - 0,00%
7 Investment in share 297.000 - - - - 297.000 297.000 - - - - 297.000 5 Marketable securities issued - - 0,00% - 0,00%
8 Commitments and contingencies TOTAL - - -
a. Rupiah - - - - - - - - - - - -
Average Balance Retained Earnings
b. Foreign currencies - - - - - - - - - - - - Type of Fund Distribution
A B
II. NON-RELATED PARTIES
1 Placements with other banks - -
1 Placements with other banks
2 Murabahah receivables
a. Rupiah 914 - - - - 914 887 - - - - 887 a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
2 Spot and forward receivables 3 Istishna’ receivables
a. Bank - -
a. Rupiah - - - - - - - - - - - -
b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - -
4 Multiservices ijarah receivables
3 Securities
a. Bank - -
a. Rupiah 8.958.298 - - - - 8.958.298 8.114.531 - - - - 8.114.531 - -
b. Non Bank
b. Foreign currencies - - - - - - - - - - - - 5 Funds of qardh
4 Acceptance receivables - - - - - - - - - - - - a. Bank - -
5 Receivables and ijarah b. Non Bank - -
6 Mudharabah financing
a Micro, small and medium enterprises (UMKM)
a. Bank - -
i. Rupiah 9.244.280 303.889 255.245 116.851 691 9.920.956 11.025.105 492.990 304.798 16.496 38.805 11.878.194
b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - -
7 Musyarakah financing
b. Non Micro, small and medium enterprises (UMKM) a. Bank - -
i. Rupiah 28.527 - 1 1 - 28.529 25.219 23 14 - - 25.256 b. Non Bank - -
ii. Foreign currencies - - - - - - - - - - - - 8 Ijarah receivables
a. Bank - -
c. Restructured loans
b. Non Bank - -
i. Rupiah 126.259 9.097 2.482 779 22 138.639 694.466 70.774 21.286 4.988 35.228 826.742
9 Other financing
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - -
6 Profit sharing financing - - - - - - - - - - - -
b. Non Bank - -
a Micro, small and medium enterprises (UMKM) TOTAL - -
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER
b. Non Micro, small and medium enterprises (UMKM) BOARD OF DIRECTORS : I. Ultimate shareholder :
i. Rupiah 381.299 - - - - 381.299 32.699 - - - - 32.699 • President Director : Hadi Wibowo PT Bank BTPN Tbk.* 70,00%
• Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group
ii. Foreign currencies - - - - - - - - - - - -
• Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation
c. Restructured loans • Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00%
i. Rupiah - - - - - - - - - - - -
• Director : Dewi Nuzulianti
BOARD OF COMMISSIONERS :
ii. Foreign currencies - - - - - - - - - - - - • President Commissioner/Independent : Kemal Azis Stamboel
7 Investment in share - - - - - - - - - - - - • Independent Commissioner : Mulya Effendi Siregar
• Independent Commissioner : Dewie Pelitawati
8 Commitments and contingencies
• Commissioner : Ongki Wanadjati Dana
a. Rupiah - - - - - - - - - - - - SHARIA SUPERVISORY BOARD :
b. Foreign currencies - - - - - - - - - - - - • Chairman : H. Ikhwan Abidin, MA
• Member : H. Muhamad Faiz, MA
III. OTHER INFORMATIONS
1 Bank assets pledge as collateral:
a. To Bank Indonesia - - Jakarta, 25 October 2024
S.E. & O
b. To others parties - -
Board of Directors,
2 Foreclosed collateral - -
Notes:
1. The presentation of this published financial report is published in order to comply with Regulation no. 37/POJK.03/2019 of the Financial Services Authority dated 20 December 2019 on “Transparency and Publication of Bank Reports” and Circular no. 10/
SEOJK.03/2020 of the Financial Services Authority on “Transparency and Publication of Reports of Sharia Commercial Banks and Sharia Business Units”. And in order to comply with Regulation no. VIII.G.7, copy of the Decree of the Chairman of the Capital
Market and Financial Institutions Supervisory Agency No. Kep-347/BL/2012 dated 25 June 2012 concerning the presentation and disclosure of financial reports of issuers or public companies.
2. The above published financial report information for the year ended 31 December 2023 has been prepared based on the financial report of PT Bank BTPN Syariah Tbk. for the year ended 31 December 2023 which has been audited by the auditing firm
Hadi Wibowo Fachmy Ahmad
Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unqualified opinion in their report dated 07 February 2024.
President Director Director
3. For comparative purposes with the September 2024 figures the December 2023 Statement of Financial Position presents the Dividends Paid item separately as part of Equity.
4. *Has changed the name into PT Bank SMBC Indonesia Tbk (SMBCI) based on Financial Services Authorithy Letter No S-236/PB.02.2024 dated 24 September 2024 and the changes is effective from the date of 2 October 2024 based on the Disclosure of
Information of SMBCI in Kompas and The Jakarta Post.
Page 3
LAPORAN KEUANGAN
PT Bank BTPN Syariah Tbk.
30 September 2024
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 30 September 2024 dan 31 Desember 2023 (Dalam Jutaan Rupiah) Pada tanggal 30 September 2024 dan 2023 Tanggal 30 September 2024 dan 2023 (Dalam Jutaan Rupiah)
(Dalam jutaan Rupiah, kecuali laba bersih per saham)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 30 September 2024 30 September 2023
No POS-POS 30 Sept 2024 31 Des 2023 30 Sept 2024 31 Des 2023 No POS-POS 30 Sept 2024 30 Sept 2023 30 Sept 2024 30 Sept 2023 No KOMPONEN MODAL Tidak Diaudit Tidak Diaudit
Tidak Diaudit Diaudit Tidak Diaudit Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
ASET PENDAPATAN DAN BEBAN OPERASIONAL I. Modal Inti (Tier 1)
1 Kas 437.391 497.153 437.391 497.153 A. Pendapatan dan Beban Operasional dari Penyaluran Dana 1 Modal Inti Utama (CET 1)
1 Pendapatan dari Penyaluran Dana 4.057.944 4.300.529 4.067.172 4.308.418 1.1 Modal Disetor (setelah dikurangi saham treasury) 770.346 770.346 770.308 770.308
2 Penempatan pada Bank Indonesia 1.159.247 763.443 1.159.247 763.443
a. Pendapatan dari piutang 1.2 Cadangan Tambahan Modal
3 Penempatan pada bank lain 3.852 4.715 251.475 245.119
i. Murabahah 3.641.521 3.977.921 3.641.521 3.977.921 1.2.1 Faktor Penambah
4 Tagihan spot dan forward - - - -
ii. Istishna' - - - - 1.2.1.1 Penghasilan Komprehensif Lain
5 Surat berharga dimiliki 8.958.298 8.491.180 9.037.026 8.571.244
iii. Multijasa - - - - 1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
6 Tagihan atas surat berharga yang dibeli dengan janji - - - -
dijual kembali (reverse repo) iv. Ujrah - 182 - 182 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui 81 81 132 132
penghasilan komprehensif lain
7 Tagihan akseptasi - - - - v. Lainnya - - - -
1.2.1.1.3 Saldo surplus revaluasi aset tetap 5.239 5.239 5.239 5.239
8 Piutang b. Pendapatan dari bagi hasil
1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
a. Piutang murabahah 9.949.369 11.367.662 9.949.369 11.367.662 i. Mudharabah - - - -
1.2.1.2.1 Agio saham biasa 880.356 880.356 879.174 879.174
b. Piutang istishna’ - - - - ii. Musyarakah 5.559 4.031 5.559 4.031
1.2.1.2.2 Cadangan umum 145.000 145.000 125.000 125.000
c. Piutang multijasa - - - - iii. Lainnya - - - -
1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 6.360.097 6.379.838 5.848.772 5.859.737
d. Piutang qardh 116 530 116 530 c. Pendapatan sewa - - - -
1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 764.470 770.562 997.110 1.003.665
e. Piutang sewa - - - - d. Lainnya 410.864 318.395 420.092 326.284 1.2.1.2.5 Dana setoran modal - - - -
9 Pembiayaan bagi hasil 2 Bagi Hasil untuk Pemilik Dana Investasi -/- (382.534) (362.240) (382.525) (362.231)
1.2.1.2.6 Modal sumbangan - - - -
a. Mudharabah - - - - a. Non profit sharing (382.534) (362.240) (382.525) (362.231) 1.2.1.2.7 Waran yang diterbitkan - - - -
b. Musyarakah 381.299 19.669 381.299 19.669 b. Profit sharing - - - - 1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
c. Lainnya - - - - 3 Pendapatan Setelah Distribusi Bagi Hasil 3.675.410 3.938.289 3.684.647 3.946.187 1.2.2 Faktor Pengurang
10 Pembiayaan sewa - - - - B. Pendapatan dan Beban Operasional Selain Penyaluran Dana 1.2.2.1 Penghasilan Komprehensif Lain
11 Penyertaan modal 297.000 297.000 - - Keuntungan/kerugian dari peningkatan/penurunan nilai wajar - - - - 1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - - - -
1
aset keuangan
12 Aset keuangan lainnya 235.465 240.402 235.465 240.402 1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui - - - -
Keuntungan/kerugian dari penurunan/peningkatan nilai wajar - - - - penghasilan komprehensif lain
13 Cadangan kerugian penurunan nilai aset keuangan -/- (972.178) (1.213.916) (972.572) (1.213.916) 2
liabilitas keuangan
1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
14 Salam - - - - 3 Keuntungan/kerugian penjualan aset keuangan - - - -
1.2.2.2.1 Disagio saham biasa - - - -
15 Aset istishna’ dalam penyelesaian - - - - 4 Keuntungan/kerugian transaksi spot dan forward (realised) - - - -
1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
Termin istishna’ -/- - - - - 5 Keuntungan/kerugian dari penyertaan dengan equity method - - - -
1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
16 Persediaan - - - - 6 Keuntungan/kerugian penjabaran transaksi valuta asing - - (1.344) (589)
1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai - - - -
17 Aset tidak berwujud 211.249 210.744 211.249 210.744 7 Pendapatan bank selaku mudharib dalam mudharabah muqayyadah - - - - (CKPN) atas aset produktif
18 Aset tetap dan inventaris 367.582 376.224 367.597 376.242 8 Dividen - - - - 1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam Trading Book - - - -
19 Aset nonproduktif 9 Komisi/provisi/fee dan administrasi 1.094 969 1.094 968 1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
1.3 Kepentingan nonpengendali yang dapat diperhitungkan
a. Properti terbengkalai - - - - 10 Pendapatan lainnya 55.127 51.673 55.127 51.673
1.4 Faktor pengurang Modal Inti Utama
b. Agunan yang diambil alih - - - - 11 Beban bonus wadiah -/- (308) (546) (308) (546)
c. Rekening tunda - - - - Beban (pemulihan) kerugian penurunan nilai aset keuangan (1.108.028) (1.197.888) (1.108.421) (1.197.888) 1.4.1 Perhitungan pajak tangguhan (220.784) (220.520) (195.410) (194.697)
12
(impairment) -/- 1.4.2 Goodwill - - - -
d. Aset antar kantor - - - -
13 Kerugian terkait risiko operasional -/- (5.933) (5.267) (5.933) (5.267) 1.4.3 Seluruh Aset tidak berwujud lainnya (211.249) (211.249) (205.251) (205.251)
20 Aset Lainnya 301.981 357.699 301.717 357.074
14 Kerugian penurunan nilai aset lainnya (nonkeuangan) -/- - - - - 1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
TOTAL ASET 21.330.671 21.412.505 21.359.379 21.435.366
15 Beban tenaga kerja -/- (1.068.698) (989.719) (1.070.204) (990.136) 1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
LIABILITAS DAN EKUITAS
16 Beban promosi -/- (6.643) (6.239) (6.644) (6.239) 1.4.6 Eksposur sekuritisasi - - - -
LIABILITAS
17 Beban lainnya -/- (568.429) (515.687) (568.606) (515.978) 1.4.7 Faktor Pengurang modal inti lainnya
1 Dana simpanan wadiah
Pendapatan/ Beban Operasional Lainnya Bersih (2.701.818) (2.662.704) (2.705.239) (2.664.002) 1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
a. Giro 4.478 24.009 4.478 24.009
LABA/ RUGI OPERASIONAL 973.592 1.275.585 979.408 1.282.185 2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
b. Tabungan 2.085.683 2.197.988 2.085.683 2.197.988
PENDAPATAN DAN BEBAN NON OPERASIONAL 2.1 Instrumen yang memenuhi persyaratan AT-1 - - - -
2 Dana investasi non profit sharing
1 Keuntungan/ kerugian penjualan aset tetap dan inventaris 4.092 1.581 4.092 1.581 2.2 Agio / disagio (+/-) - - - -
a. Giro - - - -
2 Pendapatan/ beban non operasional lainnya (1.137) (1.239) (1.160) (1.262) 2.3 Faktor Pengurang Modal Inti Tambahan
b. Tabungan 939.271 890.066 938.919 889.954
LABA/ RUGI NON OPERASIONAL 2.955 342 2.932 319 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
c. Deposito 8.809.231 9.030.866 8.809.231 9.030.866 II. Modal Pelengkap (Tier 2)
LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 976.547 1.275.927 982.340 1.282.504
3 Uang elektronik - - - - - - - -
Pajak penghasilan 1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2
4 Liabilitas kepada Bank Indonesia - - - - 2 Agio / disagio - - - -
a. Taksiran pajak tahun berjalan -/- (158.627) (309.434) (158.627) (309.434)
5 Liabilitas kepada bank lain - - - - 3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 95.183 96.782 110.915 112.514
b. Pendapatan (beban) pajak tangguhan (53.450) 30.617 (53.089) 30.661
6 Liabilitas spot dan forward - - - - 4 Cadangan tujuan - - - -
LABA/ RUGI BERSIH TAHUN BERJALAN 764.470 997.110 770.624 1.003.731
7 Surat berharga diterbitkan - - - - 5 Faktor Pengurang Modal Pelengkap
LABA/ RUGI KEPENTINGAN MINORITAS 62 66
8 Liabilitas akseptasi - - - - 5.1 Sinking Fund - - - -
PENGHASILAN KOMPREHENSIF LAIN
9 Pembiayaan yang diterima - - - - 5.2 Penempatan dana pada instrumen Tier 2 pada bank lain - - - -
1 Pos-pos yang tidak akan direklasifikasi ke laba rugi
TOTAL MODAL 8.291.739 8.616.435 8.038.989 8.355.821
10 Setoran jaminan - - - -
a. Keuntungan yang berasal dari revaluasi aset tetap - - - - 30 September 2024 30 September 2023 30 September 2024 30 September 2023
11 Liabilitas antar kantor - - - -
b. Keuntungan/kerugian yang berasal dari pengukuran kembali atas Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit
- (9.859) - (9.859) KETERANGAN KETERANGAN
12 Liabilitas lainnya 512.516 515.313 512.552 515.416 program pensiun manfaat pasti INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
13 Dana investasi profit sharing - - - - c. Lainnya - - - -
ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
14 Kepentingan minoritas (minority interest) 3.191 3.129 2 Pos-pos yang akan direklasifikasi ke laba rugi
TOTAL LIABILITAS 12.351.179 12.658.242 12.354.054 12.661.362 a. Keuntungan/kerugian yang berasal dari penyesuaian akibat ATMR RISIKO KREDIT 7.339.256 7.468.334 8.596.500 8.726.077 Rasio CET 1 (%) 49,60% 51,13% 47,50% 49,01%
- - - -
penjabaran laporan keuangan dalam mata uang asing ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 49,60% 51,13% 47,50% 49,01%
EKUITAS
b. Keuntungan/kerugian yang berasal dari peningkatan nilai wajar ATMR RISIKO OPERASIONAL 9.185.583 9.194.553 8.092.909 8.095.128 Rasio Tier 2 (%) 0,58% 0,58% 0,66% 0,67%
15 Modal disetor (MTM) aset keuangan instrumen ekuitas yang diukur pada nilai (62) 69 (62) 69
a. Modal dasar 2.750.000 2.750.000 2.750.000 2.750.000 wajar melalui penghasilan komprehensif lainnya TOTAL ATMR 16.524.839 16.662.887 16.689.409 16.821.205 Rasio KPMM (%) 50,18% 51,71% 48,17% 49,67%
b. Modal yang belum disetor -/- (1.979.630) (1.979.630) (1.979.630) (1.979.630) c. Lainnya - - - - RASIO KPMM SESUAI PROFIL RISIKO (%) 9,21% 9,21% 9,18% 9,18% CET 1 UNTUK BUFFER (%) 40,97% 42,50% 38,99% 40,49%
c. Saham yang dibeli kembali (treasury stock) -/- (24) (62) (24) (62) PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN ALOKASI PEMENUHAN KPMM SESUAI PROSENTASE BUFFER YANG WAJIB DIPENUHI
(62) (9.790) (62) (9.790) PROFIL RISIKO OLEH BANK (%)
SETELAH PAJAK
16 Tambahan modal disetor
TOTAL LABA (RUGI) KOMPREHENSIF TAHUN BERJALAN 764.408 987.320 770.562 993.941 Dari CET 1 (%) 8,63% 8,63% 8,52% 8,51% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
a. Agio 842.145 840.964 842.145 840.964
Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada : Dari AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - -
Pemilik 764.470 997.110 770.562 1.003.665 Dari Tier 2 (%) 0,58% 0,58% 0,66% 0,67% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
c. Modal sumbangan - - - -
Kepentingan Nonpengendali - - 62 66
d. Dana setoran modal - - - -
TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 764.470 997.110 770.624 1.003.731 CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
e. Lainnya 20.916 20.916 20.916 20.916
Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada :
Tanggal 30 September 2024 dan 2023 (Dalam Jutaan Rupiah)
17 Penghasilan komprehensif lain
Pemilik 764.408 987.320 770.500 993.875 INDIVIDUAL
a. Keuntungan 38.307 38.370 38.307 38.370
Kepentingan Nonpengendali - - 62 66 30 September 2024 30 September 2023
b. Kerugian - - - - No POS-POS
TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 764.408 987.320 770.562 993.941 Tidak Diaudit Tidak Diaudit
18 Cadangan
DIVIDEN (540.397) (712.535) (540.397) (712.535) CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
a. Cadangan umum 145.000 125.000 145.000 125.000 LABA BERSIH PER SAHAM 99 129 100 130 Individual Kolektif Umum Khusus Individual Kolektif Umum Khusus
b. Cadangan tujuan - - - - 1 Penempatan pada bank lain - - 39 - - - 32 -
19 Laba/ rugi
LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN 2 Tagihan spot dan forward - - - - - - - -
a. Tahun-tahun lalu 6.938.705 6.599.517 6.958.446 6.610.482 Tanggal 30 September 2024 dan 31 Desember 2023 (Dalam Jutaan Rupiah) 3 Surat berharga dimiliki - - 8.521 - - - 6.427 -
b. Tahun berjalan 764.470 1.071.723 770.562 1.080.499
INDIVIDUAL KONSOLIDASI 4 Tagihan akseptasi - - - - - - - -
c. Dividen yang dibayarkan -/- (540.397) (712.535) (540.397) (712.535) No POS-POS 30 Sept 2024 31 Des 2023 30 Sept 2024 31 Des 2023 5 Piutang murabahah - 972.015 92.727 112.172 - 947.832 110.501 107.549
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 8.979.492 8.754.263 9.005.325 8.774.004 Tidak Diaudit Diaudit Tidak Diaudit Diaudit
6 Piutang istishna’ - - - - - - - -
TOTAL EKUITAS 8.979.492 8.754.263 9.005.325 8.774.004 I. TAGIHAN KOMITMEN
7 Piutang multijasa - - - - - - - -
1. Fasilitas pembiayaan yang belum ditarik - - - -
TOTAL LIABILITAS DAN EKUITAS 21.330.671 21.412.505 21.359.379 21.435.366 8 Piutang qardh - 27 1 26 - 125 2 124
2. Posisi valas yang akan diterima dari transaksi spot dan forward - - - -
9 Piutang Sewa - - - - - - - -
LAPORAN ARUS KAS KONSOLIDASIAN 3. Lainnya - - - -
10 Pembiayaan mudharabah - - - - - - - -
Tanggal 30 September 2024 dan 2023 (Dalam Jutaan Rupiah) II. KEWAJIBAN KOMITMEN
11 Pembiayaan musyarakah - 136 3.813 - - 327 327 -
1. Fasilitas pembiayaan yang belum ditarik
30 Sept 2024 30 Sept 2023 12 Pembiayaan lainnya - - - - - - - -
POS-POS
Tidak Diaudit Tidak Diaudit a. Committed - - - -
13 Penyertaan modal - - 2.970 - - - 2.970 -
ARUS KAS DARI AKTIVITAS OPERASI b. Uncommitted 120.775 - 120.775 -
14 Komitmen dan Kontinjensi - - - - - - - -
Penerimaan pendapatan dari pengelolaan dana 4.072.110 4.299.400 2. Irrevocable L/C yang masih berjalan - - - -
Pembayaran bagi hasil dana syirkah temporer (385.211) (360.213) 3. Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
4. Lainnya - - - -
Tanggal 30 September 2024 Tidak Diaudit (Dalam Jutaan Rupiah)
Penerimaan pendapatan administrasi 6.506 3.301
III. TAGIHAN KONTINJENSI INDIVIDUAL
Penerimaan dari piutang murabahah yang dihapusbukukan 67.998 76.829
Pembayaran beban tenaga kerja (1.106.058) (1.058.102)
1. Garansi yang diterima - - - - No TRANSAKSI Tujuan Tagihan dan Liabilitas
2. Pendapatan dalam penyelesaian
Nominal
Pembayaran beban usaha lainnya (1.813.468) (1.366.622) Bukan Hedging Hedging Tagihan Liabilitas
a. Murabahah 53.190 44.738 53.190 44.738 A Terkait dengan Nilai Tukar
Pembayaran terkait pendapatan (beban) non-operasional - bersih (1.370) (1.651)
b. Istishna' - - - - 1 Spot - - - - -
Pembayaran pajak penghasilan badan (168.093) (309.536)
c. Sewa - - - - 2 Forward - - - - -
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 672.414 1.283.406
d. Bagi hasil - - - - 3 Lainnya - - - - -
Perubahan dalam aset operasi, liabilitas operasi dan dana syirkah temporer:
e. Lainnya - 1 - 1 B Lainnya - - - - -
Penurunan (kenaikan) aset operasi :
3. Lainnya - - - - JUMLAH - - - - -
Penempatan pada Bank Indonesia dan bank lain - -
IV. KEWAJIBAN KONTINJENSI
Piutang murabahah 1.418.293 (439.147)
1. Garansi yang diberikan - - - -
LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Pembiayaan musyarakah (361.630) 27.576
Tanggal 30 September 2024 Tidak Diaudit (Dalam Jutaan Rupiah)
2. Lainnya - - - -
Pinjaman qardh 414 2.885 Net Revenue Sharing
Aset lain-lain 2.039 (67.043)
LAPORAN RASIO KEUANGAN TRIWULANAN Porsi Pemilik Dana
Kenaikan (penurunan) liabilitas operasi: Tanggal 30 September 2024 dan 2023 Saldo Pendapatan yang
Jenis Penghimpunan Dana
Rata-rata akan dibagihasilkan
Liabilitas segera (1.345) (8.545)
30 Sept 2024 30 Sept 2023 Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
No POS-POS of Return (%)
Simpanan nasabah (131.836) 40.439 Tidak Diaudit Tidak Diaudit
A B C D E
Liabilitas lain-lain 32.257 13.923 Rasio Kinerja
1 Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
Hak minoritas - - 1 Kewajiban Penyediaan Modal Minimun (KPMM) 50,18% 48,17%
2 Giro Mudharabah
Kenaikan dana syirkah temporer (172.670) 665.005 2 Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,85% 1,77%
a. Bank - - 0,00% - 0,00%
Arus kas bersih diperoleh dari aktivitas operasi 1.457.936 1.518.499 3 Aset produktif bermasalah terhadap total aset produktif 1,85% 1,76%
b. Non Bank - - 0,00% - 0,00%
ARUS KAS DARI AKTIVITAS INVESTASI 4 Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 4,82% 4,65%
3 Tabungan Mudharabah
5 Non Performing Financing (NPF) gross 3,61% 3,02%
Hasil penjualan aset tetap 4.294 1.966
a. Bank - - 0,00% - 0,00%
6 Non Performing Financing (NPF) net 0,02% 0,70%
Pembelian aset tetap (64.794) (84.700) b. Non Bank 823.073 36.568 4,00% 1.463 2,16%
7 Return On Assets (ROA) 6,12% 7,78%
Pembelian aset tak berwujud (47.442) (82.918) 4 Deposito Mudharabah
8 Return On Equity (ROE) 12,78% 16,96%
Pembelian surat berharga (5.628.770) (4.826.166) a. Bank
9 Net Imbalan (NI) 24,49% 25,99%
Penjualan surat berharga 4.251.572 5.098.093 - 1 Bulan - - 0,00% - 0,00%
10 Net Operating Margin (NOM) 6,11% 8,07%
Arus kas bersih digunakan untuk aktivitas investasi (1.485.140) 106.275 - 3 Bulan - - 0,00% - 0,00%
11 Beban Operasional terhadap Pendapatan Operasional (BOPO) 76,34% 70,70%
ARUS KAS DARI AKTIVITAS PENDANAAN - 6 Bulan - - 0,00% - 0,00%
12 Cost to Income Ratio (CIR) 44,21% 38,01%
(Pembayaran) Penambahan surat berharga yang diterbitkan - 50.000 - 12 Bulan - - 0,00% - 0,00%
13 Pembiayaan bagi hasil terhadap total pembiayaan 3,69% 0,27%
Pembayaran dari pinjaman yang diterima - (100.000) b. Non Bank
14 Financing to Deposit Ratio (FDR) 87,26% 93,58%
- 1 Bulan 6.569.980 291.900 9,16% 31.572 5,85%
Pembayaran dividen (525.231) (681.151) Kepatuhan (Compliance)
- 3 Bulan 1.625.451 72.218 9,17% 7.272 5,44%
Pembayaran pajak dividen (15.166) (31.384) 1 a. Persentase Pelanggaran BMPD
- 6 Bulan 261.659 11.625 8,43% 993 4,62%
Arus kas bersih digunakan untuk aktivitas pendanaan (540.397) (762.535) i. Pihak Terkait 0,00% 0,00%
12 Bulan 35.879 1.594 8,96% 56 1,90%
KENAIKAN BERSIH KAS DAN SETARA KAS (567.601) 862.239 ii. Pihak Tidak Terkait 0,00% 0,00%
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
KAS DAN SETARA KAS AWAL TAHUN 4.260.714 4.143.991 b. Persentase Pelampauan BMPD
Jumlah 9.316.042 413.905 41.356
i. Pihak Terkait 0,00% 0,00%
KAS DAN SETARA KAS AKHIR TAHUN 3.693.113 5.006.230
ii. Pihak Tidak Terkait 0,00% 0,00% Saldo Rata-rata Pendapatan yang Diterima
Kas dan setara kas akhir tahun terdiri dari: Jenis Penyaluran Dana
2 Giro Wajib Minimum (GWM)
A B
Kas 437.391 595.667
a. GWM rupiah 4,95% 6,45% 1 Penempatan pada Bank Lain 9.090.572 58.455
Giro pada Bank Indonesia 559.247 819.986
i. Harian 0,00% 0,00% 2 Piutang Murabahah
Giro pada bank lain 6.975 5.161
ii. Rata-rata 4,95% 6,45% a. Bank - -
Penempatan pada Bank Indonesia 600.000 57.000
b. GWM valuta asing (Harian) 0,00% 0,00% b. Non Bank 10.194.482 380.841
Penempatan pada Bank Lain 244.500 236.000
3 Piutang Istishna
3 Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00%
Investasi pada surat berharga 1.845.000 3.292.416
a. Bank - -
b. Non Bank - -
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA 4 Piutang Multijasa
Tanggal 30 September 2024 dan 2023 (Dalam Jutaan Rupiah)
a. Bank - -
INDIVIDUAL b. Non Bank - -
5 Pembiayaan Gadai
No POS-POS 30 September 2024 30 September 2023
Tidak Diaudit Tidak Diaudit a. Bank - -
L DPK KL D M JUMLAH L DPK KL D M JUMLAH b. Non Bank - -
I. PIHAK TERKAIT 6 Pembiayaan Mudharabah
1 Penempatan pada bank lain a. Bank - -
b. Non Bank - -
a. Rupiah 2.938 - - - - 2.938 2.271 - - - - 2.271
7 Pembiayaan Musyarakah
b. Valuta asing - - - - - - - - - - - -
a. Bank - -
2 Tagihan spot dan forward
b. Non Bank 340.846 1.687
a. Rupiah - - - - - - - - - - - - 8 Pembiayaan Sewa
b. Valuta asing - - - - - - - - - - - - a. Bank - -
3 Surat berharga dimiliki b. Non Bank - -
9 Pembiayaan Lainnya
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Valuta asing - - - - - - - - - - - -
b. Non Bank 152 -
4 Tagihan akseptasi - - - - - - - - - - - -
Jumlah 19.626.052 440.983
5 Pembiayaan berbasis piutang dan sewa
Profit Sharing
a Nasabah UMKM - - - - - - - - - - - -
Porsi Pemilik Dana
i. Rupiah - - - - - - - - - - - - Saldo Pendapatan yang akan
Jenis Penghimpunan Dana
Rata-rata dibagihasilkan Indikasi Rate
ii. Valuta asing - - - - - - - - - - - - Nisbah (%) Jumlah Bagi Hasil
of Return (%)
b. Bukan nasabah UMKM - - - - - - - - - - - - A B C D E
i. Rupiah - - - - - - - - - - - - 1 Liabilitas Kepada Bank Lain
ii. Valuta asing - - - - - - - - - - - - 2 Giro Mudharabah
a. Bank - - 0,00% - 0,00%
c. Pembiayaan yang direstrukturisasi
b. Non Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
3 Tabungan Mudharabah
ii. Valuta asing - - - - - - - - - - - -
a. Bank - - 0,00% - 0,00%
6 Pembiayaan bagi hasil b. Non Bank - - 0,00% - 0,00%
a. Nasabah UMKM - - - - - - - - - - - - 4 Deposito Mudharabah
i. Rupiah - - - - - - - - - - - - a. Bank
- 1 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - -
- 3 Bulan - - 0,00% - 0,00%
b. Bukan nasabah UMKM
- 6 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
- 12 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - -
b. Non Bank
c. Pembiayaan yang direstrukturisasi - 1 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - - - 3 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 6 Bulan - - 0,00% - 0,00%
12 Bulan - - 0,00% - 0,00%
7 Penyertaan modal 297.000 - - - - 297.000 297.000 - - - - 297.000
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
8 Komitmen dan kontinjensi
Jumlah - - -
a. Rupiah - - - - - - - - - - - -
Saldo Rata-rata Pendapatan yang Diterima
b. Valuta asing - - - - - - - - - - - - Jenis Penyaluran Dana
A B
II. PIHAK TIDAK TERKAIT
1 Penempatan pada Bank Lain - -
1 Penempatan pada bank lain
2 Piutang Murabahah
a. Rupiah 914 - - - - 914 887 - - - - 887 - -
a. Bank
b. Valuta asing - - - - - - - - - - - - b. Non Bank - -
2 Tagihan spot dan forward 3 Piutang Istishna
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Non Bank - -
b. Valuta asing - - - - - - - - - - - -
4 Piutang Multijasa
3 Surat berharga dimiliki
a. Bank - -
a. Rupiah 8.958.298 - - - - 8.958.298 8.114.531 - - - - 8.114.531
b. Non Bank - -
b. Valuta asing - - - - - - - - - - - - 5 Pembiayaan Gadai
4 Tagihan akseptasi - - - - - - - - - - - - a. Bank - -
5 Pembiayaan berbasis piutang dan sewa b. Non Bank - -
a Nasabah UMKM 6 Pembiayaan Mudharabah
a. Bank - -
i. Rupiah 9.244.280 303.889 255.245 116.851 691 9.920.956 11.025.105 492.990 304.798 16.496 38.805 11.878.194
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
7 Pembiayaan Musyarakah
b. Bukan nasabah UMKM
a. Bank - -
i. Rupiah 28.527 - 1 1 - 28.529 25.219 23 14 - - 25.256 - -
b. Non Bank
ii. Valuta asing - - - - - - - - - - - - 8 Pembiayaan Sewa
c. Pembiayaan yang direstrukturisasi a. Bank - -
b. Non Bank - -
i. Rupiah 126.259 9.097 2.482 779 22 138.639 694.466 70.774 21.286 4.988 35.228 826.742
9 Pembiayaan Lainnya
ii. Valuta asing - - - - - - - - - - - -
a. Bank - -
6 Pembiayaan bagi hasil - - - - - - - - - - - -
b. Non Bank - -
a. Nasabah UMKM - -
Jumlah
i. Rupiah - - - - - - - - - - - -
ii. Valuta asing - - - - - - - - - - - - DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM
b. Bukan nasabah UMKM
Direksi : I. Pemegang Saham Pengendali (PSP) :
i. Rupiah 381.299 - - - - 381.299 32.699 - - - - 32.699 • Direktur Utama : Hadi Wibowo PT Bank BTPN Tbk.* 70,00%
• Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
ii. Valuta asing - - - - - - - - - - - -
• Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation
c. Pembiayaan yang direstrukturisasi • Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00%
i. Rupiah - - - - - - - - - - - - • Direktur : Dewi Nuzulianti
Dewan Komisaris :
ii. Valuta asing - - - - - - - - - - - -
• Komisaris Utama/Independen : Kemal Azis Stamboel
7 Penyertaan modal - - - - - - - - - - - - • Komisaris Independen : Mulya Effendi Siregar
• Komisaris Independen : Dewie Pelitawati
8 Komitmen dan kontinjensi
• Komisaris : Ongki Wanadjati Dana
a. Rupiah - - - - - - - - - - - - Dewan Pengawas Syariah :
b. Valuta asing - - - - - - - - - - - - • Ketua : H. Ikhwan Abidin, MA
• Anggota : H. Muhamad Faiz, MA
III. INFORMASI LAIN
1 Total aset bank yang dijaminkan:
a. Pada Bank Indonesia - -
Jakarta, 25 Oktober 2024
S.E. & O
b. Pada pihak lain - - Direksi,
2 Agunan yang diambil alih - -
Catatan:
1. Penyajian laporan keuangan publikasi ini diterbitkan guna memenuhi Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tanggal 20 Desember 2019 tentang “Transparansi dan Publikasi Laporan Bank” dan Surat Edaran Otoritas Jasa keuangan No.
10/SEOJK.03/2020 tentang “Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah”. Serta guna memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/
BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik.
2. Informasi Laporan Keuangan Publikasi untuk tahun yang berakhir pada tanggal 31 Desember 2023 di atas disusun berdasarkan Laporan Keuangan PT Bank BTPN Syariah Tbk. untuk tahun yang berakhir pada tanggal 31 Desember 2023 yang telah
diaudit oleh Kantor Akuntan Publik Siddharta Widjaja & Rekan dengan rekan penanggung jawab Novie, S.E., CPA dengan opini tanpa modifikasian dalam laporannya tertanggal 07 Februari 2024. Hadi Wibowo Fachmy Ahmad
Direktur Utama Direktur
3. Untuk komparatif dengan angka September 2024 maka pada Laporan Posisi Keuangan Desember 2023 pos Deviden yang Dibayarkan disajikan tersendiri sebagai bagian dari Ekuitas.
4. * Telah berubah nama menjadi PT Bank SMBC Indonesia Tbk (SMBCI) berdasarkan surat Otoritas Jasa Keuangan No S-236/PB.02.2024 tanggal 24 September 2024 dan berlaku efektif sejak 2 Oktober 2024 sesuai Keterbukaan Informasi SMBCI pada
Harian Kompas dan The Jakarta Post.
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
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Bank Sistemik
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Via Sumitomo Mitsui Banking Corporation
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H. Muhamad Faiz
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Financial Services Authority
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org
Fachmy Ahmad Siddharta Widjaja & Partners
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Charge Novie
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PSP
· Pemegang Saham Pengendali
p.3
unresolved
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Sumitomo Mitsui Banking Corporation
p.3
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org
Bank Umum Syariah
p.3
unresolved
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Pengawas Pasar Modal & Lembaga Keuangan
p.3
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Kantor Akuntan Publik Siddharta Widjaja & Rekan
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Kantor Akuntan Publik Siddharta Widjaja
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person
Novie
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