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FINANCIAL STATEMENTS
AS OF 30 JUNE 2024 AND 30 JUNE 2023 (UNAUDITED)
HEAD OFFICE : • Jl. KH. Samanhudi No. 37. Jakarta. Telp. : 021-3500007 (Hunting), Contact Center : Hello BOII 150707, Fax : 021 - 3808178. Website : www.boiindonesia.co.id. email : corporate@boiindonesia.co.id. Kode Saham : BSWD, SWIFT BKIDIDJA. Kode Saham : BSWD
BRANCH OFFICE : • Mangga Dua. Jakarta. Telp : (021) 6260007 • Tunjungan. Surabaya. Telp. : (031) 5326666 • Coklat. Surabaya. Telp. : (031) 3521156-57 • Denpasar. Bali. Telp. : (0361) 8424241 • Medan Barat. Medan. Telp. : (061) 4517943 • Ujung Pandang. Makassar. Telp. : (0411) 3636430-31 • Bandung. Telp. : (022) 20510769
SUB-BRANCH OFFICE : • Kelapa Gading. Jakarta. Telp. : (021) 4522244 • Sunter. Jakarta. Telp. : (021) 65301010 • Kramat Jati. Jakarta. Telp. : (021) 87799864-65 • Ngagel. Surabaya. Telp. : (031) 5022073-74 • Wiyung. Surabaya. Telp. : (031) 7667115 • MD Place Tower 1. Jakarta. Telp (021) 29316888. 29529995. 29529996-7
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME STATEMENT OF COMMITMENTS & CONTINGENCIES CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
AS OF 30 JUNE 2024 & 31 DECEMBER 2023 FOR THE PERIODS ENDED 30 JUNE 2024 AND 30 JUNE 2023 AS OF 30 JUNE 2024 AND 31 DECEMBER 2023 AS OF 30 JUNE 2024 AND 30 JUNE 2023
(In millions of Rupiah) ((In millions of Rupiah) (In millions of Rupiah) (In millions of Rupiah)
No.
ASSETS
Accounts 30 Jun 2024 31 Dec 2023 No.
OPERATIONAL INCOME AND EXPENSES
Accounts 30 Jun 2024 30 Jun 2023 No.
I. COMMITTED RECEIVABLES
Accounts 30 Jun 2024 31 Dec 2023 No.
I ACCOUNTS
Capital Components 30 Jun 2024
3.254.715
30 Jun 2023
3.269.861
1 Common Equity Tier 1 (CET 1) 3.254.715 3.269.861
1. Cash 14.885 11.454 A. Interest income and expenses 1. Unused borrowings/financing facilities - - 1.1. Paid-in Capital (After the deduction of treasury stock) 737.773 477.772
2. Placements with Bank Indonesia 322.545 294.990 1. Interest income 196.446 170.304 1.2. Disclosed Reserves 2.543.809 2.826.900
2. Foreign currency positions to be received from spot and derivatives/forward 1.2.1 Addition Factor 3.057.642 3.307.425
3. Placements with other banks 7.293 131.355 2. Interest expenses 63.370 42.295
transactions 139.597 51.580 1.2.1.1 Other comprehensive income 107.627 107.627
4. Spot and derivative/forward receivables 86 153 1.2.1.1.1 Translation of financial statements
Net interest income (expenses) 133.076 128.009 3. Others 72.210 71.278 in foreign currency
5. Securities 1.780.025 1.113.742
1.2.1.1.2 Unrealized gain on financial assets
6. Securities sold under repurchase agreement (repo) - - B. Other operational income and expenses measured through other comprehensive income - -
7. Securities purchased under resell agreements (reverse repo) 806.696 719.192 1. Gains (losses) from increase (decrease) fair value on financial assets (222) 23 II. COMMITTED LIABILITIES 1.2.1.1.3 Revaluation surplus of fixed assets 107.627 107.627
1.2.1.2 Other disclosed reserve 2.950.015 3.199.798
8. Acceptance receivables - 1.297 2. Gains (losses) from decrease (increase) fair value on financial liabilities - - 1. Unused credit/financing facilities 1.2.1.2.1 Agio / Disagio 2.895.154 1.858.670
9. Loans and financing 4.011.684 3.716.154 1.2.1.2.2 General Reserves 20.000 20.000
3. Gains (losses) on sale of financial assets - - a. Committed - -
10. Sharia financing - - 1.2.1.2.3 Previous year’s profit
4. Gains (losses) on spot and derivatives/forward (realised) 586 4.993 b. Uncommitted 245.789 317.738 1.2.1.2.4 Current year’s profit 34.861 21.128
11. Equity investment - - 1.2.1.2.5 Fund for paid-in capital - 1.300.000
12. Other financial assets 17.802 16.427 5. Gains (losses) on investment under equity method - - 2. Outstanding irrevocable letters of credit 1.104 1.393 1.2.1.2.6 Others - -
1.2.2 Deduction Factor (513.833) (480.525)
13. Impairment on financial assets -/- 6. Gains (losses) from translation of foreign currency transactions (37) (3.896) 3. Foreign currency positions to be submitted for spot and derivatives/forward
1.2.2.1 Other comprehensive income - -
a. Securities - - 7. Dividend income - - transactions 47.897 89.226 1.2.2.1.1 Translation of financial statements in
foreign currency
b. Loans and Sharia financing 119.691 166.948 8. Commission/provision/fee and administration income 7.011 1.711 4. Others - - 1.2.2.1.2 Unrealized loss on financial assets measured
c. Others - - through other comprehensive account - -
9. Other income 12.910 3.181
14. Intangible assets 23.123 23.123 1.2.2.2 Other disclosed reserve (513.833) (480.525)
10. Impairment for financial assets 50.441 59.956 III. CONTINGENT RECEIVABLES 1.2.2.2.1 Disagio
Accumulated amortization on intangible asset -/- 19.582 18.401 1.2.2.2.2 Previous year’s losses (380.785) (429.617)
15. Fixed assets and equipment 156.347 154.908 11. Losses on operational risk - - 1. Received guarantees - - 1.2.2.2.3 Current year’s losses - -
1.2.2.2.4 Difference between allowance for possible
Accumulated depreciation on fixed assets and equipment -/- 30.309 28.092 12. Personnel expenses 28.801 24.643 2. Others 12.083 6.151
losses and allowance for impairment
16. Non earning assets 13. Promotion expenses 245 184 losses on earning assets (40.934) -
1.2.2.2.5 Difference on the total of fair value
a. Abandoned property - - 14. Others expenses 29.060 22.185 IV. CONTINGENT LIABILITIES adjustment from financial instruments
b. Foreclosed assets 128.874 128.874 in trading book
Net Other Operational Income (Expenses) (88.299) (100.956) 1. Issued guarantees 33.806 19.931
c. Suspense accounts - - 1.2.2.2.6 Allowance for losses on non productive
2. Others - - assets required to be provided (92.114) (50.908)
d. Interbranch assets - - 1.2.2.2.7 Others
17. Other assets 45.725 30.334 OPERATIONAL PROFIT (LOSS) 44.777 27.053 1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (26.867) (34.811)
1.4.1 Deferred tax (23.326) (27.725)
TOTAL ASSETS 7.145.503 6.128.562 NON OPERATIONAL INCOME AND EXPENSES FINANCIAL RATIOS CALCULATION 1.4.2 Goodwill - -
AS OF 30 JUNE 2024 AND 30 JUNE 2023 1.4.3 Other intangible assets (3.541) (7.086)
1. Gains (losses) on sale of fixed assets and equipment 51 172 1.4.4 Investments in shares of stock - -
(In %)
LIABILITIES 2. Other non operational income (expenses) (134) (138) 1.4.5 Shortage of capital on insurance subsidiary company - -
1. Current account 390.563 349.408 1.4.6 Securitisation Exposure - -
NON OPERATIONAL PROFIT (LOSS) (83) 34 No. Ratio 30 Jun 2024 30 Jun 2023 1.4.7 Other deduction factor of common equity tier 1 - -
2. Saving account 163.199 173.943 1.4.7.1 Investments in Instruments issued by the other bank that
I. Performance Ratio
3. Time deposit 3.112.314 2.177.451 CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 44.694 27.087 meet the criteria for inclusion in additional tier 1 and tier 2
1 Capital Adequacy Ratio (CAR) 88,50% 118,28% 1.4.7.2 Cross ownership of other entities obtained due to
4. Electronic money - - Income tax transfer because of law, grant, or bequest - -
5. Liabilities to Bank Indonesia - - a. Estimated current year tax 9.833 5.959 2 Non performing earning assets and non earning assets to total earning 2 Additional Tier 1 Capital (AT-1) - -
6. Liabilities to other banks 56 44 assets and non earning assets 4,23% 4,97% 2.1 Instruments that meet the criteria of AT 1 - -
b. Deferred tax income (expenses) - -
3 Non perfoming earning assets to total earning assets 2,58% 3,79% 2.2 Agio / Disagio - -
7. Spot and derivative/forward liabilities 309 97 2.3 Deduction factor - -
NET PROFIT (LOSS) AFTER TAX 34.861 21.128
8. Liabilities on securities sold under repurchase agreement (repo) - - 4 Allowance for impairment on financial assets to earning assets 1,70% 3,08% 2.3.1 Investments in Instruments issued by the other bank that meet
the criteria for inclusion in additional tier 1 and tier 2
9. Acceptance liabilities - 1.297 5 NPL gross 4,35% 7,56% 2.3.2 Cross ownership of other entities obtained due to transfer
OTHER COMPREHENSIVE INCOME
10. Issued securities - - 6 NPL net 3,16% 3,32% because of law, grant, or bequest
11. Loans/financing received - - 1. Items that will not be reclassified to profit or loss II Tier 2 Capital 31.413 20.136
7 Return on Asset (ROA) 1,40% 0,90% 1 Instruments issued by the bank that meet the criteria for inclusion in tier 2 capital - -
12. Margin deposit 740 737 a. Revaluation surplus of fixed assets - - 2 Agio/disagio - -
8 Return on Equity (ROE) 2,11% 1,28% 3 General allowance for losses on earning assets
13. Interbranch liabilities - - b. Gains (losses) from actuary benefit program
9 Net Interest Margin (NIM) 4,40% 4,59% (max. 1.25% from risk-weighted assets) 31.413 20.136
14. Other liabilities 65.019 47.144 c. Others - - 4 Deduction Factor of Tier 2 Capital - -
10 Operating Expenses to Operating Income (BOPO) 80,99% 85,24% 4.1 Sinking Fund - -
TOTAL LIABILITIES Items that will be reclassified to profit or loss 3.732.200 2.750.121 2. - - 4.2 Investments in Instruments issued by the other bank that meet the
a. Gains (losses) arising from translation of financial statements in foreign 11 Cost to Income Ratio (CIR) 44,98% 38,51% criteria for inclusion in additional tier 2 - -
currency 4.3 Cross ownership of other entities obtained due to transfer because
12 Loan to Deposits Ratio (LDR) 109,43% 108,02%
EQUITIES of law, grant, or bequest - -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
TOTAL CAPITAL 3.286.128 3.289.997
15. Paid in capital measured through other comprehensive income - - II. Compliance
a. Capital 2.200.000 2.200.000 c. Others - - RISK-WEIGHTED ASSETS (RWAs)
1 a. Percentage Violation of Legal Lending Limit RWAs CONSIDERING CREDIT RISK 3.521.888 2.615.082
b. Unpaid capital -/- 1.462.227 1.462.227 I. Related parties - - RWAs CONSIDERING MARKET RISK - -
c. Treasury stock -/- - - OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - - II. Non related parties - - RWAs CONSIDERING OPERATIONAL RISK 191.181 166.371
16. Additional paid in capital TOTAL RISK-WEIGHTED ASSETS 3.713.069 2.781.453
b. Percentage Lending in excess of Legal Lending Limit Min. capital requirements based on risk profile
a. Agio 2.895.154 2.895.154 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD - - I. Related parties - - REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON
b. Disagio -/- - - Net Profit (Loss) Attributable To : 34.861 21.128 II. Non related parties - - RISK PROFILE
From CET1 ( % ) 10,00% 10,00%
c. Fund for paid up capital - - PARENT ENTITY 2 Reserve Requirement From AT1 ( % ) 0,00% 0,00%
d. Others - - a. Primary Reserve Requirement (Rupiah) 5,16% 7,30% From Tier 2 ( % ) 0,00% 0,00%
NON-CONTROLLING INTEREST
b. Reserve Requirement (Foreign currencies) 4,28% 4,06% CAR RATIO 88,50% 118,28%
17. Other comprehensive income
NET PROFIT (LOSS) FOR THE PERIOD 34.861 21.128 CET 1 Ratio (%) 87,66% 117,56%
a. Gains 107.627 107.627 3 Net Open Position 0,18% 0,12% Tier 1 Ratio (%) 87,66% 117,56%
Tier 2 Ratio (%) 0,85% 0,72%
b. Losses -/- 1.327 1.327
Total Comprehensive Profit (Loss) Attributable To : 34.861 21.128 CAR Ratio 88,50% 118,28%
18. Reserves CET 1 FOR BUFFER (%) 78,51% 108,28%
a. General reserves 20.000 20.000 PARENT ENTITY STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
AS OF 30 JUNE 2024 Capital Conservation Buffer (%) 0,00% 0,00%
b. Appropriated reserves - - NON-CONTROLLING INTEREST Countercyclical Buffer (%) 0,0% 0,0%
(In millions of Rupiah)
19. Gain/loss Capital Surcharge for Systemic Bank (%) 0,0% 0,0%
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 34.861 21.128
a. Previous years (380.785) (429.617)
No. TRANSACTION Notional Objectives Derivative Receivables and Payables
b. Current Year 34.861 48.831
Amount Trading Hedging Receivables Payables STATEMENT OF CASH FLOWS
c. Dividends paid -/- - - PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
A. Related to Exchange Rate AS OF 30 JUNE 2024 AND 30 JUNE 2023
TOTAL EQUITIES 3.413.303 3.378.441 (In millions of Rupiah)
1 Spot 92.671 - 92.671 86 66
DIVIDEND - - 2 Forward - - - - -
3 Option Accounts 30 Jun 2024 30 Jun 2023
TOTAL LIABILITIES AND EQUITIES 7.145.503 6.128.562 a. Put - - - - - CASH FLOWS FROM OPERATING ACTIVITIES
EARNINGS PER SHARE (in full amount) 9 9
b. Call - - - - - Receipt of interest income, fees and commissions 195.071 167.847
4 Future - - - - - Other operating income 18.192 3.775
EARNING ASSETS QUALITY AND OTHER INFORMATION 5 Swap 95.219 - 95.219 - 243 Payments of interest expenses, fees and commissions (72.895) (38.266)
AS OF 30 JUNE 2024 AND 30 JUNE 2023 6 Others - - - - - Payments of post-employment benefits (28.908) (22.541)
(In millions of Rupiah) Payment of general, administration, maintenance and repairs (21.317) (10.900)
B. Related to Interest Rate
Accounts
30 Jun 2024 30 Jun 2023
1 Forward - - - - -
Payment of tax expenses
Other non-operating income / (expense) - net
(5.821)
(134)
-
(138)
L DPK KL D M TOTAL L DPK KL D M TOTAL 2 Option
I. RELATED PARTIES a. Put - - - - - Operating Profit before changes in operating activities 84.188 99.777
b. Call - - - - - Changes in operating assets and liabilities
1. Placement with other banks 2.115 - - - - 2.115 1.477 - - - - 1.477 3 Future - - - - - Decrease / (Increase) in operating assets :
a. Rupiah - - - - - - - - - - - - 4 Swap - - - - - Loans (342.788) (904.359)
b. Foreign currencies 2.115 - - - - 2.115 1.477 - - - - 1.477 5 Others - - - - - Other assets (48.881) 562.000
2. Spot and derivative/forward receivables - - - - - - - - - - - -
C. Others Increase (decrease) in operating liabilities :
a. Rupiah - - - - - - - - - - - -
TOTAL 187.890 - 187.890 86 309 Obligations Due Immediately 10.737 (50.440)
b. Foreign currencies - - - - - - - - - - - -
Deposits 965.286 (12.409)
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
BANK MANAGEMENT Other liabilities (8.260) (17.190)
b. Foreign currencies - - - - - - - - - - - - Net cash provided by (used in) operating activities 660.282 (322.621)
BOARD OF COMMISSIONERS
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - - CASH FLOWS FROM INVESTING ACTIVITIES
a. Rupiah - - - - - - - - - - - - President Commissioner : Sudhiranjan Padhi Decrease (increase) in securities held until maturity (666.283) 28.100
b. Foreign currencies - - - - - - - - - - - - Proceeds from sale of fixed assets 153 172
Independent Commissioner : Handadjaja Sulaiman
5. Claims on securities bought under reverse repo - - - - - - - - - - - - Acquisitions of fixed assets and intangible assets (311) 1.752
a. Rupiah - - - - - - - - - - - - Independent Commissioner : Lungguk Gultom Decrease (Increase) in securities purchased under resale agreements (87.504) 216.441
b. Foreign currencies - - - - - - - - - - - -
Net cash provided by investing activities (753.945) 246.465
6. Acceptance receivables - - - - - - - - - - - -
BOARD OF DIRECTORS:
7. Loans and financing 7 - - - - 7 154.093 19.250 - - - 173.343 CASH FLOWS FROM FINANCING ACTIVITIES
a. Micro, small and medium enterprises (UMKM) - - - - - - 36.630 - - - - 36.630 President Director : Jayaprakash Bharathan*) Additional paid-in capital - -
i. Rupiah - - - - - - 36.630 - - - - 36.630 Stock issuance costs - -
Operational Director : Carolina Dina Rusdiana
ii. Foreign currencies - - - - - - - - - - - -
Credit & International Banking Director : Chandra Sekhar Mukherjee Net cash provided by financing activities - -
b. Non micro, small and medium enterprises (non UMKM) 7 - - - - 7 117.463 19.250 - - - 136.713
i. Rupiah 7 - - - - 7 117.463 8.007 - - - 125.470 Compliance Director : Dennis Kusuma Halim NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (93.663) (76.156)
ii. Foreign currencies - - - - - - - 11.243 - - - 11.243
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 437.799 339.578
c. Restructured loans - - - - - - - - - - - -
*) Effective after approval by the Financial Services Authority (OJK) and/or other institutions. Effect of foreign exchange rate changes 586 (3.896)
i. Rupiah - - - - - - - - - - - -
ii. Foreign currencies - - - - - - - - - - - - CASH AND CASH EQUIVALENTS AT END OF YEAR 344.722 259.526
8. Equity investment - - - - - - - - - - - -
SHAREHOLDERS SUPPLEMENTAL DISCLOSURES
9. Other receivables* - - - - - - - - - - - - Cash and cash equivalents consist of :
10. Commitments and contingencies - - - - - - 31.100 1 - - - 31.101 CONTROLLING SHAREHOLDERS (PSP): Cash 14.885 13.248
a. Rupiah - - - - - - 23.004 1 - - - 23.005 - Bank of India 90,96% Current accounts with Bank Indonesia 173.545 181.087
b. Foreign currencies - - - - - - 8.096 - - - - 8.096 Current accounts with other banks 7.292 7.207
NON-CONTROLLING SHAREHOLDERS THROUGH CAPITAL MARKET (≥ 5%):
Placements with Bank Indonesia and other banks - mature
II NON RELATED PARTIES Nil -
within 3 (three) months 149.000 57.984
NON-CONTROLLING SHAREHOLDERS NOT THROUGH THE CAPITAL MARKET (≥ 5%): Bank Indonesia Certificates - less than three months maturity - -
1. Placement with other banks 5.178 - - - - 5.178 5.730 - - - - 5.730
a. Rupiah 1.552 - - - - 1.552 1.662 - - - - 1.662 Nil - Total cash and cash equivalents 344.722 259.526
b. Foreign currencies 3.626 - - - - 3.626 4.068 - - - - 4.068
Other Shareholders:
2. Spot and derivative/forward receivables 86 - - - - 86 46 - - - - 46
a. Rupiah 86 - - - - 86 46 - - - - 46
Public (Each Shareholding ≤ 5%) 9,04% Bank Of India
b. Foreign currencies - - - - - - - - - - - - Parent Entity PT Bank of India Indonesia Tbk
3. Securities 1.780.025 - - - - 1.780.025 831.276 - - - - 831.276 BANK OF INDIA SHAREHOLDERS
To comply with the Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 dated December 19th, 2019
a. Rupiah 1.780.025 - - - - 1.780.025 831.276 - - - - 831.276 Indian Government 73,38% regarding Transparency and Publication of Bank Reports and Financial Services Authority Circular Letter (SEOJK) Number
b. Foreign currencies - - - - - - - - - - - - Public 26,62% 9/SEOJK.03/2020 dated June 30th, 2020 regarding Transparency and Publication of Conventional Commercial Bank Reports, the
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - - following are the Financial Statements of Bank of India for the periods ended March 31th, 2024 and March 31th, 2023.
a. Rupiah - - - - - - - - - - - - Notes: Bank of India as of June 30th, 2024 is the Shareholder of 90.96% of the shares of PT Bank of India Indonesia Tbk so that Bank
b. Foreign currencies - - - - - - - - - - - - • The publication report is presented to fulfill the following conditions: of India is directly the Controlling Shareholder of PT Bank of India Indonesia Tbk.
5. Claims on securities bought under reverse repo 806.696 - - - - 806.696 1.924.999 - - - - 1.924.999 1. Financial Services Authority Regulation Number 37/POJK.03/2019 dated 19 December 2019 regarding
a. Rupiah 806.696 - - - - 806.696 1.924.999 - - - - 1.924.999 Transparency and Publication of Bank Reports. BALANCE SHEET
b. Foreign currencies - - - - - - - - - - - - 2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning AS OF 31 MARCH 2024 AND 31 MARCH 2023
6. Acceptance receivables - - - - - - 2.132 - - - - 2.132 Transparency and Publication of Conventional Commercial Bank’s Reports. (In millions of Rupiah)
7. Loans and financing 3.593.640 243.513 12.902 7.562 154.060 4.011.677 2.109.429 338.367 602 157.625 56.032 2.662.055 3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 22 August 2022 concerning
a. Micro, small and medium enterprises (UMKM) 577.948 29.027 78 1.300 1.325 609.678 306.468 58.715 602 564 37.542 403.891 Submission of Periodic Financial Reports of Issuers or Public Companies. 31 Mar 2024 31 Mar 2023
i. Rupiah 565.146 28.629 78 1.300 1.325 596.478 302.558 54.626 602 564 37.542 395.892 4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and CAPITAL AND LIABILITIES
ii. Foreign currencies 12.802 398 - - - 13.200 3.910 4.089 - - - 7.999 Financial Institution Supervisory Agency (“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 Capital 8.658.081 7.482.362
b. Non micro, small and medium enterprises (non UMKM) 3.015.692 214.486 12.824 6.262 152.735 3.401.999 1.802.961 279.652 - 157.061 18.490 2.258.164 regarding Presentation and Disclosure of Financial Statements of Issuers or Public Companies. Reserves and surplus 122.315.069 100.024.026
i. Rupiah 2.600.219 107.658 12.824 6.262 16.100 2.743.063 1.375.783 133.503 - 101.169 18.490 1.628.945 Deposits 1.403.118.383 1.220.688.338
ii. Foreign currencies 415.473 106.828 - - 136.635 658.936 427.178 146.149 - 55.892 - 629.219 • Risk Based Rating Bank Level of PT Bank of India Indonesia Tbk as of June 30, 2024 based on the composite Borrowings 153.873.073 118.460.002
c. Restructured loans 1.625 122.103 12.902 - 149.235 285.865 293.560 311.920 103 157.625 25.098 788.306 self-assessment is at “Composite Rating 2” (PK 2). Other liabilities and provisions 47.294.709 40.143.926
i. Rupiah - 15.275 12.902 - 12.600 40.777 92.771 162.370 103 101.733 25.098 382.075 TOTAL 1.735.259.315 1.486.798.655
• Kurs 29 Desember 2023 1 USD = Rp15.397,00,-
ii. Foreign currencies 1.625 106.828 - - 136.635 245.088 200.789 149.550 - 55.892 - 406.231 Kurs 27 Juni 2023 1 USD = Rp14.992,50,- ASSETS
8. Equity investment - - - - - - - - - - - - Kurs 28 Juni 2024 1 USD = Rp16.375,00,- Cash and balances with reserve Bank of India 73.312.820 80.277.113
9. Other receivables* 1.104 - - - - 1.104 2.604 - - - - 2.604 Balances with bank and money at call and short notice 84.387.986 73.579.775
Kurs 31 Maret 2023 1 INR = Rp182,31,-
Investments 431.903.852 372.627.555
10. Commitments and contingencies 279.568 27 - - - 279.595 307.901 1.076 - - - 308.977 Kurs 28 Maret 2024 1 INR = Rp190,15,- Advances 1.070.791.433 885.819.339
a. Rupiah 264.461 27 - - - 264.488 294.919 520 - - - 295.439 Fixed Assets 19.445.102 18.159.401
b. Foreign currencies 15.107 - - - - 15.107 12.982 556 - - - 13.538 Other Assets 55.418.122 56.335.472
TOTAL 1.735.259.315 1.486.798.655
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia - -
PROFIT AND LOSS
b. To Other Parties - - AS OF 31 MARCH 2024 AND 31 MARCH 2023
Jakarta, July 30th, 2024 (In millions of Rupiah)
2. Foreclosed assets 128.874 155.954
S.E., & O
PT Bank of India Indonesia Tbk 31 Mar 2024 31 Mar 2023
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS BOARD OF DIRECTORS Interest earned 115.436.060 86.864.176
AS OF 30 JUNE 2024 AND 30 JUNE 2023 a. Interest/discount on advances/bills 81.536.096 60.830.821
(In millions of Rupiah) b. Income on Investments 26.853.570 21.773.051
c. Interest on balances with RBI and other inter bank funds 5.496.883 3.037.894
30 Jun 2024 30 Jun 2023
d. Others 1.549.511 1.222.410
No. Accounts Calculate Allowance Calculate Allowance Other Income 11.589.053 12.943.454
Allowance for Impairment for Possible Allowance for Impairment for Possible Total Income 127.025.112 99.807.630
Losses on Earning Assets Losses on Earning Assets
EXPENSES
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific Interest expenses 71.602.085 49.902.020
1. Placement with other banks - - - 73 - - - - 72 - Operating expenses 28.672.269 25.490.195
2. Spot and derivative/forward receivables - - - 1 - - - - - - a. Employees cost 17.471.416 15.298.726
3. Securities - - - 370 - - - - 370 - Chandra Sekhar Mukherjee Carolina Dina Rusdiana b. Other operating expenses 11.200.853 10.191.469
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - Credit & International Banking Director Operational Director Total Expenses 100.274.354 75.392.215
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - - - - - - 21 - Provisions and Contingencies 7.547.882 13.059.072
7. Loans and financing 30.401 41.342 47.948 30.655 129.454 57.891 33.929 92.401 19.484 95.943 Operating profit 26.750.758 24.415.416
8. Equity investment - - - - - - - - - - Profit (loss) before tax 19.202.877 11.356.344
9. Other receivables* - - - 11 - - - - 26 - Tax income (expenses) 7.189.668 4.022.323
10. Commitments and Contingencies 244 - - 303 1 704 - - 162 54 PT Bank of India Indonesia Tbk terdaftar dan diawasi oleh OJK, Bank Indonesia dan merupakan peserta Net Profit (loss) for the Period 12.013.209 7.334.021
Penjaminan Lembaga Penjamin Simpanan (LPS)
*) Among others, it consists of unaccepted sight L/C or usance LC receivables, purchased/overwritten traveler’s checks, advances to customers, inkaso receivables, bailouts in the framework of government programs.
7 x 350 mm
Kontan
Names mentioned 18 people and organisations named in the text · linked when the evidence is strong
unresolved
person
KH. Samanhudi
p.1
unresolved
org
Bank Indonesia
p.1 ×7
unresolved
org
Financial Services Authority
p.1 ×6
unresolved
org
Bank Indonesia Certificates
p.1
unresolved
org
India Indonesia Tbk
p.1 ×6
unresolved
org
Bapepam-LK
p.1 ×2
unresolved
org
Investments
p.1
unresolved
org
Losses on Earning Assets
p.1
unresolved
person
Total Expenses
· Director
p.1
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