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Publikasi Lap Keu Triwulanan Jun 2024 (EN).pdf
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CONSOLIDATED FINANCIAL STATEMENTS
PT BANK BTPN Tbk and Subsidiaries
30 JUNE 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 June 2024 and 31 December 2023 For the periods ended on 30 June 2024 and 2022 As of 30 June 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 CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL
No. ACCOUNTS 30 Jun 2024 31 Dec 2023 30 Jun 2024 31 Dec 2023 30 Jun 2024 30 Jun 2023
No. ACCOUNTS No. ACCOUNTS
30 Jun 2024 30 Jun 2023 30 Jun 2024 30 Jun 2023 Unaudited Unaudited
Unaudited Audited Unaudited Audited
Unaudited Unaudited Unaudited Unaudited Current Special Substanda Doubtful Loss Total Current Special Substanda Doubtful Loss Total
AS S E T I. R E L A T E D P A R T IE S
O P E RAT ING INCO M E AND E X P E NS E S
1. Cash 749,456 931,530 1,164,032 1,428,683 1. Placements with other banks 518,179 - - - - 518,179 368,629 - - - - 368,629
2. Placements with Bank Indonesia 16,268,770 17,236,809 17,023,907 18,000,252 A. In terest In com e an d E xp en ses a. Rupiah - - - - - - - - - - - -
3. Placements with other banks 1,477,995 958,732 2,207,956 1,200,387 1. Interest Income 7,075,726 6,492,382 10,723,020 9,324,324 b. Foreign currencies 518,179 - - - - 518,179 368,629 - - - - 368,629
4. Spot and derivative / forward receivables 1,793,294 1,133,149 2,286,256 1,133,149 2. Interest Expenses (3,492,681) (3,131,756) (4,038,968) (3,367,019) 2. Spot and derivative receivables 468,760 - - - - 468,760 636,731 - - - - 636,731
5. Securities 19,715,074 8,547,321 28,559,340 17,038,501 Net In terest In com e 3,583,045 3,360,626 6,684,052 5,957,305 a. Rupiah - - - - - - - - - - - 0
B. O th er O p eratin g In com e an d E xp en ses b. Foreign currencies 468,760 - - - - 468,760 636,731 - - - - 636,731
6. Securities sold under repurchase agreements (repo) - - - -
Gain (Loss) from increase (decrease) in fair value of financial 3. Securities - - - - - - - - - - - -
7. Claims from securities purchased under resale 1. 24,621 (100,977) 24,621 (100,977)
- - - - assets a. Rupiah - - - - - - - - - - - -
agreements (reverse repo) Gain (Loss) from increase (decrease) in fair value of financial b. Foreign currencies - - - - - - - - - - - -
2. - - - -
8. Acceptance receivables 3,957,181 3,289,757 3,957,181 3,289,757 liabilities 4. Securities sold under repurchase
- - - - - - - - - - - -
9. Loans 142,981,396 145,173,436 165,797,321 145,173,436 3. Gain (Loss) from sale of financial assets 15,373 34,748 15,373 34,748 agreements (Repo)
10. Sharia financing/receivables - - 10,447,604 11,387,861 Gain (Loss) from spot and derivative / forward transactions a. Rupiah - - - - - - - - - - - -
4. (37,589) 481,118 (37,589) 481,118
11. Equity Investments 7,859,227 1,308,484 107,247 102,586 (realised) b. Foreign currencies - - - - - - - - - - - -
5. Gain (Loss) from investment under equity method - - - - 5. Claims on securities purchased
12. Other financial asset 1,025,392 1,121,451 1,216,124 1,361,853
under resale agreements
13. Impairment on financial assets -/- (3,199,709) (3,413,725) (5,960,279) (4,627,641) 6. Gain (Loss) from foreign exchange translation 236,833 (16,786) 293,524 (16,786) - - - - - - - - - - - -
(Reverse Repo)
a. Securities (665) (799) (665) (799) 7. Dividend revenue 422,706 498,815 3 -
b. Loans and Sharia financing (3,179,831) (3,404,131) (5,940,401) (4,618,047) a. Rupiah - - - - - - - - - - - -
8. Commissions/provisions/fees and administration 506,017 392,187 599,960 392,805
b. Foreign currencies - - - - - - - - - - - -
c. Others (19,213) (8,795) (19,213) (8,795) 9. Other income 138,011 171,991 342,069 212,650 6. Acceptance receivables - - - - - - - - - - - -
14. Intangible assets 3,209,606 3,096,432 6,271,962 3,541,155
10. Impairment losses on financial assets (477,943) (481,839) (1,426,951) (1,162,324) 7. Loans
Accumulated amortization of intangible assets -/- (2,392,764) (2,278,908) (3,223,609) (2,451,771) a. Micro, Small and Medium
11. Losses related to operational risks (3,180) (1,631) (7,216) (5,322)
15. Fixed assets and equipment 3,923,663 3,958,107 6,128,962 5,040,250 Enterprises (UMKM) - - - - - - - - - - - -
12. Personnel expenses (1,273,912) (1,189,795) (2,294,966) (1,857,333)
Accumulated depreciation on fixed assets and (2,290,966) (2,286,537) (3,703,986) (2,992,438) i. Rupiah - - - - - - - - - - - -
16. equipment -/- assets
Non-productive 52,524 79,120 183,997 79,120 13. Promotion expenses (85,535) (89,641) (99,872) (93,450)
ii. Foreign currencies - - - - - - - - - - - -
a. Abandoned properties - 21,099 - 21,099 14. Other expenses (1,602,539) (1,363,639) (2,197,436) (1,681,984)
b. Non-Micro, Small and Medium
b. Foreclosed assets 52,524 58,021 183,997 58,021 Net O th er O p eratin g ( E xp en ses) In com e ( 2,137,137) ( 1,665,449) ( 4,788,480) ( 3,796,855) 6,714,736 - - - - 6,714,736 2,841,632 - - - - 2,841,632
Enterprises (Non-UMKM)
c. Suspense accounts - - - -
NE T O P E RAT ING INCO M E ( E X P E NS E S ) 1,445,908 1,695,177 1,895,572 2,160,450 i. Rupiah 107,546 - - - - 107,546 733,877 - - - - 733,877
d. Interbranch assets - - - -
ii. Foreign currencies 6,607,190 - - - - 6,607,190 2,107,755 - - - - 2,107,755
17. Other assets 2,235,790 2,386,178 3,365,566 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 197,365,929 181,241,336 239,842,117 201,448,392 1. Gain (Loss) from sale of fixed assets and equipments 269 470 3,801 1,817 i. Rupiah - - - - - - - - - - - -
L IA B IL IT IE S A N D E Q U IT Y 2. Other non-operating income (expenses) 4,581 1,728 (98,047) (1,463) ii. Foreign currencies - - - - - - - - - - - -
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 ) 4,850 2,198 ( 94,246) 354 9. Other receivables 8,544 - - - - 8,544 38,959 - - - - 38,959
1. Demand deposits 29,891,103 26,604,674 29,870,912 26,628,683 P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D BE F O RE 10. Commitment and contingencies 5,565,639 - - - - 5,565,639 6,020,454 - - - - 6,020,454
1,450,758 1,697,375 1,801,326 2,160,804
2. Saving deposits 15,038,522 14,470,875 18,245,002 17,558,817 T AX
a. Rupiah 104,238 - - - - 104,238 86,561 - - - - 86,561
3. T ime deposits 62,874,821 54,980,210 70,872,388 64,011,076 Income T ax: (226,307) (263,741) (385,425) (473,453)
b. Foreign currencies 5,461,401 - - - - 5,461,401 5,933,893 - - - - 5,933,893
4. Electronic money - - - - a. Estimated current period tax (141,683) (315,420) (259,493) (508,617) 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) (84,624) 51,679 (125,932) 35,164 1. Placements with other banks 959,816 - - - - 959,816 348,221 - - - - 348,221
6. Liabilities to other banks 671,376 10,818,444 666,098 10,814,638 NE T P RO F IT ( L O S S ) F O R T HE CURRE NT P E RIO D 1,224,451 1,433,634 1,415,901 1,687,351 a. Rupiah 773,844 - - - - 773,844 140,590 - - - - 140,590
7. Spot and derivative / forward liabilities 1,700,426 1,072,104 1,933,793 1,072,104 b. Foreign currencies 185,972 - - - - 185,972 207,631 - - - - 207,631
M INO RIT Y INT E RE S T P RO F IT ( L O S S ) 175,403 225,753
8. Securities sold under repurchase agreements (repo) - - - - 2. Spot and derivative receivables 1,324,220 314 - - - 1,324,534 623,617 4,947 - - - 628,564
O T HE R CO M P RE HE NS IV E INCO M E
9. Acceptance liabilities 3,518,811 2,323,633 3,518,811 2,323,633 a. Rupiah 1,284,262 118 - - - 1,284,380 433,924 165 - - - 434,089
1. Item s th at are n ot b ein g reclassif ied to P rof it L oss - - - ( 93) b. Foreign currencies 39,958 196 - - - 40,154 189,693 4,782 - - - 194,475
10. Securities issued 200,800 200,569 699,578 200,569
11. Borrowings 39,863,532 34,283,897 53,113,178 34,283,897 a. Gain from fixed assets revaluation - - - - 3. Securities 19,715,074 - - - - 19,715,074 10,286,845 - - - - 10,286,845
a. Rupiah 18,860,750 - - - - 18,860,750 9,261,129 - - - - 9,261,129
12. Margin deposits - - - - b. Gain (Loss) from remeasurement benefecial pension program - - - - b. Foreign currencies 854,324 - - - - 854,324 1,025,716 - - - - 1,025,716
13. Interbranch liabilities - - - -
4. Securities sold under repurchase
14. Other liabilities 2,424,644 2,756,110 4,085,886 3,271,871 c. Others - - - (93) - - - - - - - - - - - -
agreements (Repo)
15. Minority Interest 6,714,919 2,616,678 2. Item s th at are b ein g reclassif ied to P rof it L oss ( 3,985) ( 97,707) ( 46,441) 27,851 a. Rupiah - - - - - - - - - - - -
T O T A L L IA B IL IT Y 156,184,035 147,510,516 189,720,565 162,781,966 a. Gain (Loss) from adjustment in foreign exchange translation - - - - b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities purchased
E Q U IT Y
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 (Reverse Repo)
a. Authorized capital 300,000 300,000 300,000 300,000 comprehensive income
(3,985) (97,707) (4,068) 27,851 a. Rupiah - - - - - - - - - - - -
b. Unpaid capital -/- (87,081) (137,018) (87,081) (137,018) c. Others - - (42,373) - b. Foreign currencies - - - - - - - - - - - -
c. T reasury stock -/- - (1,846) - (1,846)
O T HE R CO M P RE HE NS IV E INCO M E F O R T HE 6. Acceptance receivables 3,957,181 - - - - 3,957,181 3,160,277 - - - - 3,160,277
17. Additional paid-in capital 17,826,159 11,175,667 17,797,597 11,145,923 CURRE NT P E RIO D - AF T E R O F T AX
( 3,985) ( 97,707) ( 46,441) 27,758 7. Loans
a. Agio 17,565,358 10,914,866 17,561,063 10,909,389
a. Micro, Small and Medium
b. Disagio -/- - - - - T O T AL CURRE NT CO M P RE HE NS IV E P RO F IT 8,119,524 318,251 37,205 105,159 383,351 8,963,490 5,926,792 211,593 20,321 30,943 351,932 6,541,581
1,220,466 1,335,927 1,369,460 1,715,109 Enterprises (UMKM)
(LOSS)
c. Fund for paid up capital - - - - i. Rupiah 8,119,524 318,251 37,205 105,159 383,351 8,963,490 5,926,792 211,593 20,321 30,943 351,932 6,541,581
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: ii. Foreign currencies - - - - - - - - - - - -
18. Other comprehensive income 837,123 860,288 973,908 886,452 b. Non-Micro, Small and Medium 119,723,443 6,196,650 192,275 136,620 1,054,182 127,303,170 121,681,445 4,269,160 159,218 102,323 1,028,739 127,240,885
- Owners of T he Parent 1,224,451 1,433,634 1,240,498 1,461,598 Enterprises
i. Rupiah (Non-UMKM) 76,103,537 5,117,715 102,212 136,620 1,054,182 82,514,266 81,019,009 1,970,366 54,271 102,323 1,028,739 84,174,708
a. Profit 931,378 953,361 1,070,719 979,525
b. Loss -/- (94,255) (93,073) (96,811) (93,073) - Non Controlling Interest 175,403 225,753 ii. Foreign currencies 43,619,906 1,078,935 90,063 - - 44,788,904 40,662,436 2,298,794 104,947 - - 43,066,177
c. Restructured loans 619,520 3,900,603 15,247 58,206 1,014,207 5,607,783 4,754,184 500,906 2,545 39,359 1,002,129 6,299,123
19. Reserves 42,953 32,596 42,953 32,596 NET PROFIT (LOSS) FOR T HE CURRENT PERIOD 1,224,451 1,433,634 1,415,901 1,687,351
i. Rupiah 619,520 3,900,603 15,247 58,206 1,014,207 5,607,783 3,894,087 500,906 2,545 39,359 1,002,129 5,439,026
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 - - - - - - 860,097 - - - - 860,097
b. Appropriate reserves - - - - to :
8. Equity Investment 22 - - - - 22 22 - - - - 22
20. Profit/loss 22,262,740 21,501,133 27,081,639 26,440,319 - Owners of T he Parent 1,220,466 1,335,927 1,210,800 1,489,382 9. Other receivables 59,878 - - - - 59,878 - - - - - -
a. Previous years 21,509,956 20,019,562 26,312,808 24,701,125 - Non Controlling Interest 158,660 225,727 10. Commitment and contingencies 133,097,539 1,505,111 - - - 134,602,650 106,192,088 2,675,135 - - 40,000 108,907,223
b. Current year 1,224,451 2,100,711 1,240,498 2,358,334 a. Rupiah 68,038,382 1,046,876 - - - 69,085,258 56,848,322 650,915 - - 40,000 57,539,237
T OT AL CURRENT COMPREHENSIVE PROFIT (LOSS) 1,220,466 1,335,927 1,369,460 1,715,109
c. Payable dividend -/- (471,667) (619,140) (471,667) (619,140) b. Foreign currencies 65,059,157 458,235 - - - 65,517,392 49,343,766 2,024,220 - - - 51,367,986
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 1. Value of Bank's assets pledged
DIV IDE N D 471,667 619,140 683,983 832,860
O W NE RS O F P ARE NT S 41,181,894 33,730,820 46,109,016 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 41,181,894 33,730,820 46,109,016 38,666,426 - Basic 129 178 130 181
b. T o other parties - -
T O T A L L IA B IL IT Y A N D E Q U IT Y 197,365,929 181,241,336 235,829,581 201,448,392 - Diluted 129 178 130 181 2. Foreclosed assets 52,524 84,084
ALLOWANCE FOR IMPAIRMENT LOSSES CAPITAL ADEQUACY RATIO
As of 30 June 2024 and 2023
As of 30 June 2024 and 2023 ( In m illion R u p iah )
( I n m i l l i on R u p i ah ) 30 Jun 2024 30 Jun 2023
INDIVIDUAL ACCOUNTS Unaudited Unaudited
30 Jun 2024 30 Jun 2023 INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
I. C ore C ap ital ( T ier 1) 31,729,139 41,979,587 30,026,073 35,760,429
No. ACCOUNTS Unaudited Unaudited
1. C om m on E q u ity T ier 1 ( C E T 1) 31,729,139 41,979,587 30,026,073 35,760,429
Allowance for Impairment Required Provision Allowance for Impairment Required Provision 1.1 P aid in cap ital ( less T reasu ry stock) 212,919 212,919 161,133 161,133
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific 1.2 D isclosed reserves 40,527,827 45,613,366 32,450,117 37,379,050
1.2.1 Additional Factor 40,802,428 45,620,700 32,671,930 37,379,695
1. Placements with other banks 307 - - 14,780 - 150 - - 7,168 - 1.2.1.1 Other comprehensive income 931,377 935,047 890,883 894,597
2. Spot and derivative receivables - - - 17,903 16 - - - 12,603 247 1.2.1.1.1 Excess differences arising from translation of financial statement - - - -
3. Securities 617 48 - 10,035 - 890 135 - 23,275 - 1.2.1.1.2 Potential gain of the increase in the fair value of financial assets available for sale - - 20,098 20,145
1.2.1.1.3 Fixed asset revaluation 931,377 935,047 870,785 874,452
4. Securities sold under repurchase 1.2.1.2 Other disclosed reserves 39,871,051 44,685,653 31,781,047 36,485,098
- - - - - - - - - -
agreements (Repo) 1.2.1.2.1 Agio 17,565,358 17,561,063 10,914,396 10,908,919
5. Claims on securities purchased under 1.2.1.2.2 General reserves 42,953 42,953 32,596 32,596
- - - - - - - - - - 1.2.1.2.3 Previous years profit 21,038,289 25,841,141 19,400,421 24,081,985
resale agreements (Reverse Repo)
1.2.1.2.4 Current year profit 1,224,451 1,240,496 1,433,634 1,461,598
6. Acceptance receivables 1,869 17,018 - 22,551 - 2,434 - - 31,603 - 1.2.1.2.5 Capital paid in advance - - - -
7. Loans and f inancing 669,474 219,689 2,290,668 1,342,587 1,909,687 739,490 445,251 1,805,026 1,302,260 1,692,871 1.2.1.2.6 Others - - - -
1.2.2 Deduction Factor (274,601) (7,334) (221,813) (645)
8. Equity Investments - - - 78,592 - - - - 13,085 -
1.2.2.1 Other comprehensive income (1,179) (1,141) - -
9. Other receivables 19 - - 684 - - - - 390 - 1.2.2.1.1 Excess differences less from translation of financial statement - - - -
10. Commitment and contingencies 37,497 20,634 - 53,071 75,163 33,999 27,970 40,000 59,346 173,665 1.2.2.1.2 Potential losses from the decrease in the fair value of financial assets available for sale (1,179) (1,141) - -
1.2.2.2 Other disclosed reserve (273,422) (6,193) (221,813) (645)
FINANCIAL RATIOS STATEMENTS OF CONSOLIDATED CASH FLOWS 1.2.2.2.1 Disagio
1.2.2.2.2 Previous years loss
-
-
-
-
-
-
-
-
As of 30 June 2024 dan 2023
For the periods ended on 30 June 2024 and 2023 1.2.2.2.3 Current year loss - - - -
30 Jun 2024 30 Jun 2023 1.2.2.2.4 Differences between required provision and allowance for impairment losses of earning assets (267,229) - (221,168) -
RATIOS (%)
Unaudited Unaudited
( 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 - - - -
P e rf orm a n c e R a ti os 30 Jun 2024 30 Jun 2023 1.2.2.2.6 Required provision on non-productive assets (6,193) (6,193) (645) (645)
1. Cap ital Ad eq u acy Ratio (CAR) 27.56% 27.32% ACCOUNTS 1.2.2.2.7 Others - - - -
Unaudited Unaudited 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
earn in g assets an d n on -earn in g assets 0.60% 0.63% CAS H F L O W S F RO M O P E RAT ING ACT IV IT IE S 1.4 D ed u ction f actor to com m on eq u ity tier 1 ( C E T 1) - - - -
1.4.1 Deferred tax calculation ( 9,011,607) ( 3,846,698) ( 2,585,177) ( 1,779,754)
3. Non -p erf ormin g earn in g assets to total earn in g assets 0.58% 0.63%
Receipt from interest 8,383,683 6,401,306 1.4.2 Goodwill (358,060) (713,621) (428,233) (573,017)
4. Allowan ce f or imp airmen t losses on f in an cial assets to earn in g 1.72% 1.86% Receipt from sharia income 2,786,527 2,836,638 1.4.3 Other intangible assets - (1,217,527) - (61,116)
assets
5. NPL g ross 1.35% 1.24%
Payments of interest expense (3,377,230) (4,513,004) 1.4.4 Investment that can be calculated as deduction factor (816,842) (1,830,826) (870,983) (1,067,660)
1.4.5 Shortage of capital on insurance subsidiary company (7,836,705) (84,724) (1,285,961) (77,961)
6. NPL n et 0.46% 0.45% Payments of sharia expenses (257,789) (233,872) 1.4.6 Securitization exposures - - - -
7. Retu rn on Asset (ROA) 1.49% 1.87% Receipt from other operating income 1,336,418 753,292 1.4.7 Other deduction factor to common equity tier 1 - - - -
8. Retu rn on Eq u ity (ROE) 7.83% 9.64% 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) 4.05% 3.98%
Recovery from written-off loans 114,990 145,931
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 82.83% 79.00% Payments of personnel expenses (2,575,681) (2,043,609) 1.4.7.3 Exposure that causing Credit Risk due to settlement risk - Non Delivery Versus Payment - - - -
11. Cost to In come Ratio (CIR) 60.95% 52.47% Payments of other operating expenses (1,409,848) (1,418,879) 1.4.7.4 Exposure in child company which held sharia principle - - - -
12. L oan to Dep osit Ratio (L DR) 131.40% 143.54% 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 (124,441) 19,780
2.1 T h e in stru m en t m eets th e req u irem en ts of A T 1 - - - -
1. a. Percen tag e Violation of L eg al L en d in g L imit Payments of corporate income tax (358,623) (487,276) 2.2 A g io / D isag io - - - -
i. Related p arties 0.00% 0.00% 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 - - - -
Cash f lows b ef ore ch an g es in op eratin g assets, op eratin g 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% 4,518,006 1,460,307
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 2.3.2 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
II. S u p p lem en tary C ap ital ( T ier 2) 4,307,491 4,594,153 4,420,590 4,532,789
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 2,838,333 2,838,333 2,998,500 2,998,500
ii. Non -related p arties 0.00% 0.00%
2. Statu tory Reserves Req u iremen ts
tem p orary syirkah f u n d s: 1.1 Preferred Stock (perpetual cumulative, non perpetual), after buy back deduction - - - -
1.2 Subordinated bonds (perpetual cumulative, non perpetual), after buy back deduction - - - -
a. Ru p iah 6.06% 7.20% ( In crease) d ecrease in op eratin g assets: 1.3 Subordinated loan (perpetual cumulative, non perpetual), after buy back deduction 3,275,000 3,275,000 2,998,500 2,998,500
- Daily 0.00% 0.00%
- Averag e 6.06% 7.20% Derivative receivables (867,014) 481,529 1.4 Mandatory convertible bond - - - -
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 (667,424) (90,423)
1.6 Amortization based on remaining maturity 436,667 436,667 - -
3. Net Op en Posisition 0.75% 0.73%
Loans 7,712,767 (2,320,520) 2 Agio/Disagio - - - -
Sharia financing/receivables (76,660) (1,187,206) 3 General required provision of earning assets (maximum 1.25% of RW A) 1,469,158 1,755,820 1,422,090 1,534,289
SPOT AND DERIVATIVE / FORWARD TRANSACTIONS 4 Deduction factor to supplementary capital - - - -
As of 30 June 2024 Financing receivables (1,598,607) - 4.1 Sinking Fund - - - -
( In m illion Ru p iah ) In crease ( d ecrease) in op eratin g liab ilities: 4.2 Placement of funds in instruments AT 1 and / or T ier 2 other banks - - - -
INDIVIDUAL Obligations due immediately (10,245) 58,107
4.3 Cross-ownership in another entity acquired by the transition because of the law, grants, or grants will - - - -
Derivative Receivables and T O T A L C A P IT A L 36,036,630 46,573,740 34,446,663 40,293,218
No. TRANSACTION Notional Objective Deposits from customers 11,046,138 (7,811,612)
Payables 30 Jun 2024 30 Jun 2023 30 Jun 2024 30 Jun 2023
Amount Deposits from other banks (10,148,540) 262,521 Unaudited Unaudited DESCRIPTION Unaudited Unaudited
Trading Hedging Receivables Payables
Derivative payables 615,168 (340,773) INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED INDIVIDUAL CONSOLIDATED
Related to 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
A. 39,239,463 3,021,179 36,218,284 275,890 266,887 Acceptance payables 1,195,178 237,416 R W A C R E D IT R IS K 117,461,610 147,973,664 113,739,521 122,726,153 C E T 1 R atio ( % ) 24.27% 25.99% 23.81% 26.42%
E xch an g e Rate
In crease in tem p orary syirkah f u n d s (256,412) 293,946 R W A M A R K E T R IS K 2,794,238 2,794,238 2,125,982 2,125,982 T ier 1 R atio ( % ) 24.27% 25.99% 23.81% 26.42%
1 Spot 3,080,208 3,021,179 59,029 1,983 3,902
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( % ) 3.29% 2.84% 3.51% 3.35%
2 Forward 3,039,499 - 3,039,499 20,260 25,810 Net cash f lows ( u sed in ) p rovid ed f rom op eratin g activities 11,462,355 ( 8,956,708) T O T AL RW A 130,747,363 161,497,382 126,090,936 135,352,977 C A R R atio ( % ) 27.56% 28.84% 27.32% 29.77%
3 Option - - - - - C A R R A T IO B A S E D O N R IS K P R O F IL E ( % ) 9.21% 9.18% 9.21% 9.21% C E T 1 f or B U F F E R ( % ) 18.27% 19.66% 17.81% 20.42%
a. Put - - - - - CAS H F L O W S F RO M INV E S T ING ACT IV IT IE S 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 ( % )
b. Call - - - - - F rom C E T 1 ( % ) 6.00% 6.34% 6.00% 6.00% C ap ital C on servation B u f f er ( % ) 2.50% 2.50% 2.50% 2.50%
Purchase of securities (20,879,118) (36,313,413) 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%
4 Future - - - - -
Proceeds from sale of securities 7,849,394 39,385,131 F rom T ier 2 ( % ) 3.21% 2.84% 3.21% 3.21% C ap ital S u rch arg e F or S ystem ic B an k 1.00% 1.00% 1.00% 1.00%
5 Swap 33,119,756 - 33,119,756 253,647 237,175 (%)
6 Others - - - - - Purchases of fixed assets (81,830) (99,205)
Acquisition of right-of-use asset (4,947) (2,123)
Related to
S HAREHOLDERS
B.
1
In terest Rate
Forward
11,223,716
-
-
-
11,223,716
-
454,625
-
444,876
-
Acquisition of intangible assets
Proceeds from sale of fixed assets
(178,968)
31,920
(244,559)
9,658
MANAGEMENT As of 3 0 June 2 0 2 4
2 Option
a. Put
-
-
-
-
-
-
-
-
-
-
Acquisition of subsidiaries, net of cash acquired (5,519,887) -
As of 30 June 2024
b. Call - - - - - Net cash f lows p rovid ed f rom ( u sed in ) in vestin g activities ( 18,783,436) 2,735,489 Ultima te S ha re holde r:
3 Future - - - - -
4
5
Swap
Others
11,223,716
-
-
-
11,223,716
-
454,625
-
444,876
-
CAS H F L O W S F RO M F INANCING ACT IV IT IE S BOARD OF COMMISSIONERS Ultimate Shareholder : Sumitomo Mitsui Financial Group
Settlement of securities issued (480,000) -
C. O th ers 29,622,012 - 29,622,012 1,062,779 988,663
through Sumitomo Mitsui Banking Corporation : 91.05%
Proceeds from borrowings 4,710,908 2,410,309
T O T AL 80,085,191 3,021,179 77,064,012 1,793,294 1,700,426 Installment payments and settlement of borrowings (4,108,933) (10,596,114) - President Commissioner : Chow Ying Hoong
Proceed from Right Issue 6,702,275 - Non- c ontrolling sha re holde r through c a pita l ma rke t ( ≥ 5 %) :
STATEMENTS OF COMMITMENT AND CONTIGENCIES Sales of treasury shares to public 1,219 1,635 - Commissioner : Takeshi Kimoto None
As of 30 June 2024 and 2023 Payments of dividend (683,958) (832,860)
(In million Rupiah) Payment of lease liabilities principals (46,279) (80,909) - Independent Commissioner : Ninik Herlani Masli Ridhwan Non- c ontrolling sha re holde r not through c a pita l ma rke t ( ≥ 5 %) :
INDIVIDUAL CONSOLIDATED Net cash f lows p rovid ed f rom f in an cin g activities 6,095,232 ( 9,097,939)
No. ACCOUNTS 30 Jun 2024 31 Dec 2023 30 Jun 2024 31 Dec 2023
NE T INCRE AS E IN CAS H AND CAS H E Q UIV AL E NT S ( 1,225,849) ( 15,319,158)
- Independent Commissioner : Onny Widjanarko None
Unaudited Audited Unaudited Audited
I. CO M M IT M E NT RE CE IV ABLE S 82,649,841 80,982,245 123,421,494 80,982,245
E F F E CT O F E X CHANG E RAT E CHANG E S O N CAS H AND - Independent Commissioner : Edmund Tondobala
1. Unused borrowing facilities 37,976,523 40,326,914 61,271,850 40,326,914 2,877 8,795
CAS H E Q UIV AL E NT S
2. Outstanding spot and derivative /
44,673,318 40,655,331 62,149,644 40,655,331
- Commissioner : Ongki Wanadjati Dana
forward purchased CAS H AND CAS H E Q UIV AL E NT S AT T HE BE G INNING O F
Y E AR 23,472,990 39,377,338
3. Others - - - -
II. CO M M IT M E NT LIABILIT IE S 181,690,559 156,823,356 181,782,559 156,823,356
CAS H AND CAS H E Q UIV AL E NT S AT T HE E ND O F
1. Unused loans facilities 133,023,315 115,779,514 133,115,315 115,779,514 P E RIO D 22,250,018 24,066,975 Jakarta, 30 July 2024
a. Committed 13,627,133 10,870,217 13,627,133 10,870,217
PT BANK BTPN Tbk
b. Uncommitted
2. Outstanding irrevocable L/C
119,396,182
1,334,776
104,909,297
721,016
119,488,182
1,334,776
104,909,297
721,016
Cash an d cash eq u ivalen ts con sist of :
Cash 1,164,032 1,713,679
BOARD OF DIRECTORS
3. Outstanding spot and derivative / Current accounts with Bank Indonesia 8,452,657 9,020,475
47,332,468 40,322,826 47,332,468 40,322,826
forward sold
4. Others - - - -
Current accounts with other banks 1,537,056 718,981 - President Director : Henoch Munandar
Placement with Bank Indonesia and other banks 9,242,150 7,819,635
III. CO NT ING E NT RE CE IV ABLE S 30,566,368 30,270,312 30,607,840 30,315,051
Securities 1,854,123 4,794,205 - Deputy President Director : Kaoru Furuya
1. Guarantees received 30,566,368 30,270,312 30,566,368 30,270,312
2. Others
IV . CO NT ING E NT LIABILIT IE S
-
5,810,198
-
5,455,734
41,472
5,810,198
44,739
5,455,734
S UP P L E M E NT AL CAS H F L O W INF O RM AT IO N:
22,250,018 24,066,975
- Deputy President Director : Darmadi Sutanto
1. Guarantees issued
2. Others
5,810,198
-
5,455,734
-
5,810,198
-
5,455,734
-
ACT IV IT IE S NO T AF F E CT ING CAS H F L O W
Purchases of fixed assets which are still payable (1,057) (273)
- Compliance Director : Dini Herdini
Catatan : - Director : Atsushi Hino
1. The above consolidated financial information are prepared based on the Consolidated Financial Statements of PT BANK BTPN Tbk and Subsidiary for the six months period ended on 30 June 2024 - Director : Keishi Kobata
and 2023 which were unaudited and for the year ended on 31 December 2023 which were audited.
- Director : Merisa Darwis
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; - Director : Hanna Tantani Henoch Munandar Hanna Tantani
b) Financial Services Authority Circular Letter No. 9/SEOJK.03/2020 dated 30 June 2020 regarding Transparency and Publication of Financial Statements for Conventional Commercial Banks; President Director Director
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.
3 Main foreign exchange rates: 30 June 2024: 1 USD = Rp 16.375,00; 30 June 2023: 1 USD = Rp 14.992.50; 31 December 2023: 1 USD = Rp 15.397,00.
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 20 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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