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FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF INCOME AND OTHER COMPREHENSIVE STATEMENTS OF COMMITMENTS AND CONTINGENCIES STATEMENT OF CASH FLOWS
As of June 30, 2024 and December 31, 2023 For the Period Ended June 30, 2024 and 2023 As of June 30, 2024 and December 31, 2023 For The Period Ended June 30, 2024 And 2023
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah)
No. DESCRIPTION Jun 30, 2024 Dec 31, 2023 No. DESCRIPTION Jun 30, 2024 Jun 30, 2023 No. DESCRIPTION Jun 30, 2024 Dec 31, 2023 DESCRIPTION Jun 30, 2024 Jun 30, 2023
(Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) (Unaudited) (Unaudited)
ASSETS OPERATING INCOME AND EXPENSES I. COMMITMENT RECEIVABLES CASH FLOWS FROM OPERATING ACTIVITIES
1. Cash 1,558,429 2,127,489 A. Interest Income and Expenses 1. Unused fund borrowings/financing facilities - - Interest, profit sharing, and margin 14,666,984 13,426,650
2. Placements with Bank Indonesia 27,990,563 48,706,822 2. Outstanding purchase position on spot and derivative/forward 4,279,629 1,878,434 Recoveries from loan debts written-off 451,629 236,438
3. Placements with other banks 6,597,503 2,203,459 1. Interest income 14,974,674 13,521,941 3. Others - - Interest and bonus, fees and commissions paid (9,021,130) (7,218,679)
4. Spot and derivative receivables/forward 96,045 32,176 2. Interest expenses 8,949,468 7,044,211
Corporate income tax paid (619,666) (625,836)
5. Securities 46,968,444 41,199,802 Net interest income (Expenses) 6,025,206 6,477,730 II. COMMITMENT PAYABLES Other operating expenses - net (3,211,151) (2,886,084)
6. Securities sold under repurchase agreements (Repo) 4,722,319 -
1. Unused loan facilities granted to customer Other non-operating expense - net (37,353) (134,079)
7. Securities purchased under resale agreements (Reverse Repo) - - B. Operating Income and Expenses Other than Interest
a. Committed 133,261 127,083 Cash receipts before changes in operating assets and liabilities 2,229,313 2,798,410
8. Acceptances receivables 829,134 544,567 1. Gain (loss) from increase (decrease) in fair value of financial assets 53,963 155,845 b. Uncommitted 15,051,205 18,806,569
9. Loans 310,653,696 296,583,860 2. Outstanding irrevocable letters of credit 445,573 20,106 Changes in operating assets and liabilities:
2. Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
10. Sharia financing 41,412,015 37,114,281 3. Outstanding sales position on spot and derivative/forward 4,094,693 1,806,505
3. Gain (loss) from sale of financial assets 355,981 326,044 Decrease (increase) in operating assets:
11. Investment in share - - 4. Others 14,059 13,735
4. Gain (Loss) from spot and derivative transaction/forward (realised) 60,263 49,225
12. Others financials assets 14,611,406 12,110,180 Fair value through profit or loss securities (13,966,343) (98,584)
5. Gain (Loss) from investment in shares under equity method - -
13. Allowance for impairment on financial assets -/- III. CONTINGENT RECEIVABLES Fair value through profit or loss government bonds (949,624) 2,737,594
6. Gain (Losses) from foreign currencies translation 11,298 (109,143)
a. Securities (19) (22,903) 1. Guarantees received 2,971,719 2,326,998 Acceptance Receivable (284,567) (544,271)
b. Loans and Sharia financing (14,961,718) (15,591,964) 7. Dividend Income - -
2. Others 11,906,751 7,761,202 Derivative Receivable (63,869) 49,844
c. Others (2,197) (25,680) 8. Comissions/provisions/fees and administrative 762,393 640,951
Loans and sharia financing/receivables (20,017,784) (11,365,982)
14. Intangible assets - - 9. Other income 706,882 545,898
IV. CONTINGENT PAYABLES Other assets (2,682,152) (2,124,369)
Accumulated amortisation for intangible assets -/- - - 10. Impairment for financial assets 925,183 1,947,918
11. Losses related to operational risk - - 1. Guarantees issued 3,393,714 2,579,175
15. Premises and equipment 13,486,274 12,953,746 Increase (decrease) in operating liabilities:
2. Others - -
Accumulated depreciation on premises and equipment -/- (5,118,546) (4,835,934) 12. Salaries and employee benefits 2,364,330 1,827,760
16. Non earning assets 13. Promotion expenses 288,359 230,480 Current liabilities 843,383 1,499,492
14. Other expenses 2,470,840 2,189,155
a. Abandoned properties 1,410 1,410 STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO Deposits from customer
b. Repossessed assets 77,591 77,591 Demand deposits 780,521 13,432,555
Other Operating Income (Expenses) (4,097,932) (4,586,493) As of June 30, 2024 and 2023
c. Suspense account - - (in Millions of Rupiah) Wadiah demand deposits 2,680,557 1,186,146
d. Inter office assets - - PROFIT (LOSS) FROM OPERATIONS 1,927,274 1,891,237
Savings deposits (3,306,745) (758,601)
17. Other assets 6,678,275 5,570,834 NON OPERATING INCOME AND EXPENSES CAPITAL COMPONENTS Jun 30, 2024 Jun 30, 2023 Savings deposits Wadiah 109,834 7,123
(Unaudited) (Unaudited)
1. Gain (loss) from sale of premises and equipment 1,915 - Time deposits 13,200,938 (22,109,037)
TOTAL ASSETS 455,600,624 438,749,736 I. CORE CAPITAL (TIER 1) 27,524,771 25,188,525
2. Other non operating income (expenses) (52,057) (24,936) Deposits from other banks 2,213,306 1,367,618
LIABILITIES AND EQUITY 1. Common Equity Tier 1 (CET 1)
27,524,771 25,188,525 Acceptance liabilities 284,567 544,271
PROFIT (LOSS) FROM NON OPERATING (50,142) (24,936)
LIABILITIES 1.1. Paid-in Capital (net of Treasury Stock) 7,017,222 7,017,222 Other liabilities (909,406) (467,577)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1,877,132 1,866,301 1.2. Disclosed Reserves 23,706,289 21,067,525 Temporary syirkah funds 1,511,201 (1,050,067)
1. Demand deposits 147,504,153 143,534,817
Income tax expenses 1.2.1 Additional Factor 24,784,804 21,899,322
2. Savings deposits 41,712,649 44,471,995 1.2.1.1 Other comprehensive income 3,565,773 3,508,565 Net Cash provided (used in) by Operating Activities (18,326,870) (14,895,435)
3. Time deposits 176,165,239 161,926,504 a. Estimated current tax -/- (471,694) (459,712)
1.2.1.1.1 Excess differences arising from translation
4. Electronic money - - b. Deferred tax income (expenses) 96,424 67,789 of financial statement - - CASH FLOWS FROM INVESTING ACTIVITIES
5. Fund from Bank Indonesia - - PROFIT (LOSS) CURRENT PERIOD 1,501,862 1,474,378 1.2.1.1.2 Potential gain due to increases of fair value of
Receipt from matured amortized cost securities 309,592 -
6. Fund from other banks 3,152,920 1,300,316 financial asset through other comprehensive income - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,565,773 3,508,565 Acquisitions of premises and equipment (583,967) (223,337)
7. Spot and derivative liabilities/forward 6,531 - PROFIT (LOSS) MINORITY INTEREST - - 1.2.1.2 Other disclosed reserves 21,219,031 18,390,757 Receipt of amortized cost government bonds 4,092,252 5,404,931
8. Securities sold under repurchase agreements (Repo) 4,549,696 - 1.2.1.2.1 Agio 4,418,900 4,418,900 (Purchase) receipt in fair value through other comprehensive income securities 217,465 (1,239,615)
9. Acceptances liabilities 829,134 544,567 OTHER COMPREHENSIVE INCOME 1.2.1.2.2 General reserves 4,621,242 4,621,242 Receipt from securities purchased under agreement to resell - 1,434,190
10. Securities issued 5,768,225 6,834,647 1.2.1.2.3 Previous year profit 10,677,027 7,876,237
1. Unreclassified to profit (loss) 1.2.1.2.4 Current year profit 1,501,862 1,474,378 Purchase in fair value through other comprehensive income government bonds (474,005) (1,238,660)
11. Fund borrowings 38,769,264 42,874,926
a. Gain (loss) from revaluation of premises and equipment - - 1.2.1.2.5 Funds for paid-in capital - - Purchase of amortized cost securities - (659,854)
12. Margin deposits received 9,579 9,690
b. Gain (loss) from remeasurement on defined benefit plans 36,645 (220,941) 1.2.1.2.6 Others - -
13. Inter office liabilities - - 1.2.2 Deduction Factor (1,078,515 ) (831,797) Net Cash provided by (used in) Investing Activities 3,561,337 3,477,655
14. Other liabilities 6,100,546 6,773,122 c. Others (9,161) 55,235
1.2.2.1 Other comprehensive income (999,514 ) (752,796)
15. Minority interest - - 1.2.2.1.1 Negative differences arising from translation CASH FLOWS FROM FINANCING ACTIVITIES
2. Reclassified to profit (loss) of financial statement - - Payment of matured securities issued (1,729,725) (2,016,569)
TOTAL LIABILITIES 424,567,936 408,270,584 a. Gain (losses) from adjustments arising from translation 1.2.2.1.2 Potential losses due to decreases of fair value of Proceeds of securities issued 162,437 -
of financial statement - - financial asset through other comprehensive income (999,514 ) (752,796)
EQUITY 1.2.2.2 Other disclosed reserves (79,001 ) (79,001) Payments of dividends (700,198) (609,015)
b. Gain (loss) from changes of financial assets on measured 1.2.2.2.1 Disagio - - Proceeds from fund borrowings 2,158,184 1,773,719
16. Share capital
at fair value through other comprehensive income (298,907) 530,571 1.2.2.2.2 Previous year loss - - Payment from fund borrowings (6,513,038) (500,000)
a. Authorised capital 10,239,216 10,239,216
b. Unpaid-in capital -/- (3,221,994) (3,221,994) c. Others 23,295 (74,894) 1.2.2.2.3 Current year loss - - Proceeds from securities sold under repurchase agreements 4,546,919 3,477,396
1.2.2.2.4 Negative difference in allowance for possible
c. Treasury stock -/- - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (248,128) 289,971 Payment of lease liabilities (50,321) (38,500)
losses and allowance for impairment
17. Additional Paid-in Capital on earning assets - - Paid-up in capital in advance - 1,330,093
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,253,734 1,764,349
a. Agio 4,418,900 4,418,900 1.2.2.2.5 Negative difference in adjusment amounts Net Cash Provided by (used in) Financing Activities (2,125,742) 3,417,124
b. Disagio -/- - - from fair value of financial assets in trading book - -
c. Funds for paid-up capital - - Current Year Net Profit (Loss) Attributable to : 1.2.2.2.6 Required allowance for non earning assets (79,001 ) (79,001)
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (16,891,275) (8,000,656)
- Owner of Company 1,501,862 1,474,378 1.2.2.2.7 Others - -
d. Others - -
- Non Controlling Interest - - 1.3. Non Controlling Interest - - CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 53,037,770 41,526,686
18. Other comprehensive income 1.4. Deduction Factor of CET 1 (3,198,740 ) (2,896,222)
a. Gain 3,565,773 3,565,773 TOTAL CURRENT YEAR NET PROFIT (LOSS) 1,501,862 1,474,378 1.4.1 Deferred tax calculation (3,198,740 ) (2,896,222) CASH AND CASH EQUIVALENTS AT END OF PERIOD 36,146,495 33,526,030
b. Losses -/- (1,609,814) (1,361,686) 1.4.2 Goodwill - -
19. Reserve 1.4.3 Other intangible assets - - The details of cash and cash equivalents at end of period are as follows:
Total Comprehensive Profit (Loss) For The Year Attributable to:
a. General reserve 4,621,242 4,621,242 1.4.4 Investments in share - - Cash 1,558,429 1,748,281
- Owner of Company 1,253,734 1,764,349 1.4.5 Shortfall of capital on insurance subsidiaries - -
b. Appropriated reserve 840,476 840,476 - Non Controlling Interest - - Current accounts with Bank Indonesia 15,952,471 16,650,986
1.4.6 Securitisation exposure - -
20. Retained Earning 1.4.7 Other deduction of CET 1 - - Current accounts with other banks 6,597,442 2,810,407
a. Previous years 10,677,027 7,876,237 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 1,253,734 1,764,349 Placements with Bank Indonesia and other banks - maturing within
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2
b. Current year 1,501,862 3,500,988 to other bank - - three months or less since the acquisition date 12,038,153 12,316,356
c. Paid Dividend -/- - - TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - 1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants. or grants will - - Total of cash and cash equivalents 36,146,495 33,526,030
TOTAL EQUITY ATTRIBUTABLE TO OWNER 31,032,688 30,479,152 1.4.7.3 Exposure that give rise to credit risk due the settlement
DIVIDEND - -
(settlement risk) - Non Delivery Versus Payment - -
TOTAL EQUITY 31,032,688 30,479,152 Notes :
1.4.7.4 Exposures in subsidiaries that to business activity
EARNINGS PER SHARE (in rupiah) 107 105 1) The financial information as of June 30, 2024 and June 30, 2023 are unaudited. The financial
TOTAL LIABILITIES AND EQUITY 455,600,624 438,749,736 based on sharia principle
- -
information as of December 31, 2023 is extracted from the financial statements of PT Bank Tabungan
2. Additional Tier 1 (AT 1) - - Negara (Persero) Tbk as of December 31, 2023 and for the year then ended, prepared by the Bank’s
Management in accordance with Indonesian Financial Accounting Standards, which have been audited
2.1. Instrument which comply with AT 1 requirements - -
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION 2.2. Agio / Disagio - -
by KAP Purwantono, Sungkoro, & Surja (“PSS”), a member firm of Ernst & Young Global Limited with
Christophorus Alvin Kossim, as partner in charge, independent auditor, in accordance with Standards on
As of June 30, 2024 and 2023 2.3. Deduction Factor of AT 1 - - Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified audit
(In Millions of Rupiah) 2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - opinion, as stated in their report dated February 12, 2024 which is not included in this publication.
2.3.2 Cross ownership in another entity acquired by the transition due
2) The above published Financial Statements are presented to comply with:
June 30, 2024 (Unaudited) June 30, 2023 (Unaudited) to law, grants or grants will - -
a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019
No. DESCRIPTION II. SUPPLEMENTAL CAPITAL (TIER 2) 3,266,701 4,811,928 regarding “Transparency and Published Financial Statements of The Banks”
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30,
1. Capital instrument in the form of stock or other which comply
Mention Standard Mention Standard with Tier 2 requirements 1,487,675 3,240,431 2020 regarding “Transparency and Published Financial Statements of The Commercial Banks”.
2. Agio/Disagio - - c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26,
I. RELATED PARTIES 3. General provision on earning assets (max. 1,25% credit risk - weighted assets) 1,779,026 1,571,497 2022 on Second Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy
4. Deduction supplemental capital - - Ratio for The Commercial Banks” and Financial Services Authority Regulation (POJK) Number 34/
1. Placements with other banks POJK.03/2016 Dated September 22, 2016 on Amendments of POJK Number 11/POJK.03/2016
a. Rupiah - - - - - - - - - - - - 4.1. Sinking Fund - -
4.2. Placement of funds in instrumen Tier 2 to other bank - - regarding “Capital Adequacy Ratio for The Commercial Banks”.
b. Foreign currencies - - - - - - - - - - - - d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022
4.3. Cross-ownership in another entity acquired by the transition
2. Spot and derivative receivables/ forward due to law, grants, or grants will - - regarding “Submission of Periodic Financial Statements for Issuers or Public Companies”.
a. Rupiah - - - - - - - - - - - - e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number
TOTAL CORE AND SUPPLEMENTAL CAPITAL 30,791,472 30,000,453 VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012
b. Foreign currencies - - - - - - - - - - - -
3. Securities regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public
Jun 30, 2024 Jun 30, 2023 RATIO Jun 30, 2024 Jun 30, 2023 Companies”.
a. Rupiah - - - - - - - - - - - - (Unaudited) (Unaudited) (Unaudited) (Unaudited) f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020
b. Foreign currencies - - - - - - - - - - - - RISK WEIGHTED ASSETS CAR RATIO regarding Changes to Published Financial Statements.
4. Securities sold with agreement CREDIT RISK WEIGHTED ASSETS 140,689,041 125,719,733 CET 1 Ratio (%) 16.61% 17.14% 3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in
to repurchase (Repo) MARKET RISK WEIGHTED ASSETS 6,015,918 3,338,458 Tier 1 Ratio (%) 16.61% 17.14% accordance with Bank Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding
a. Rupiah - - - - - - - - - - - - OPERATIONAL RISK - WEIGHTED ASSETS 19,055,594 17,889,426 Tier 2 Ratio (%) 1.97% 3.28% the Amendment of Financial Services Authority Regulation Number 38/POJK.03/2019 dated December
b. Foreign currencies - - - - - - - - - - - - TOTAL RISK WEIGHTED ASSETS 165,760,553 146,947,617 Capital Adequacy Ratio (%) 18.58% 20.42% 19, 2019 regarding the Amendment of Financial Services Authority Regulation Number 32/POJK.03/2018
5. Securities purchased with agreement regarding The Legal Lending Limit and Provisions of Large Fund for Commercial Banks.
CAR BASED ON RISK PROFILE (%) 9.25% 9.18% CET 1 for Buffer (%) 9.33% 11.14%
to resell (Reverse Repo) 4) Exchange rate of 1 US Dollar as at June 30, 2024, December 31, 2023 and June 30, 2023 were
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%) Rp. 16,375.00 , Rp. 15,397.00 and Rp. 14,992.50 respectively.
a. Rupiah - - - - - - - - - - - -
From CET1 (%) 7.28% 6.00% Capital Conservation Buffer (%) 2.500% 2.500% 5) Basic earnings per share is computed by dividing income for the year available to shareholders of
b. Foreign currencies - - - - - - - - - - - -
From AT1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000% ordinary shares (residual income) by the weighted average number of ordinary shares outstanding
6. Acceptances receivables - - - - - - - - - - - - From Tier 2 (%) 1.97% 3.18% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% during the current year.
7. Loans and financing provided
a. Micro, Small and Medium loans (UMKM)
i. Rupiah - - - - - - - - - - - - CALCULATION OF FINANCIAL RATIOS MANAGEMENT OF THE BANK
ii. Foreign currencies - - - - - - - - - - - - For the Period Ended June 30, 2024 and 2023 BOARD OF COMMISSIONER
b, Non UMKM
President Commissioner/ Independent Commissioner : Chandra M. Hamzah
i. Rupiah 91,221 17 - - - 91,238 97,757 - - - - 97,757 Jun 30, 2024 Jun 30, 2023
No. RATIOS (Unaudited) (Unaudited) Vice President Commissioner/Independent Commissioner : Iqbal Latanro
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Armand B. Arief
c. Restructured loans PERFORMANCE RATIOS Independent Commissioner : Sentot A. Sentausa
i. Rupiah - - - - - - - - - - - - Independent Commissioner : Bambang Widjanarko*
1. Capital Adequacy Ratio (CAR) 18.58% 20.42%
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Adi Sulistyowati*
2. Non performing earning assets and non earning assets
8. Investments in shares - - - - - - - - - - - - Commissioner : Andin Hadiyanto
to total earning assets and non earning assets 2.64% 3.03% Commissioner : Herry Trisaputra Zuna
9. Other receivable - - - - - - - - - - - - 3. Non performing earning assets to total earning assets 2.62% 3.01%
10. Commitments and contingencies Commissioner : Himawan Arief Sugoto
4. Allowance for impairment on financial assets to earning assets 3.64% 4.34%
a. Rupiah - - - - - - - - - - - - 5. Gross NPL 3.13% 3.66% BOARD OF DIRECTORS
b. Foreign currencies - - - - - - - - - - - - 6. Net NPL 1.49% 1.75% President Director : Nixon L.P. Napitupulu
7. Return on Asset (ROA) 0.84% 0.93% Vice President Director : Oni Febriarto Rahardjo
II. NON RELATED PARTIES 8. Return on Equity (ROE) 11.06% 11.95% Director of Information Technology : Andi Nirwoto
9. Net Interest Margin (NIM) 3.00% 3.62% Director of Assets Management : Elisabeth Novie Riswanti
1. Placements with other banks Director of Distribution and Institutional Funding : Jasmin
10. Operating Expenses to Operating Income 88.65% 87.59%
a. Rupiah 364,835 - - - - 364,835 368,748 - - - - 368,748 Director of Risk Management : Setiyo Wibowo
11. Cost to Income Ratio (CIR) 58.77% 47.76%
b. Foreign currencies 6,230,838 - - - 1,830 6,232,668 2,589,933 - - - 1,712 2,591,645 Director of Consumer : Hirwandi Gafar
12. Loan to Deposit Ratio (LDR) 96.36% 98.22%
2. Spot and derivative receivables/ forward Director of Finance : Nofry Rony Poetra
a. Rupiah - - - - - - - - - - - - COMPLIANCE Director of Human Capital, Compliance, and Legal : Eko Waluyo
b. Foreign currencies 96,045 - - - - 96,045 54,095 - - - - 54,095 Director of Operations and Customer Experience : Hakim Putratama
1. a. Percentage violation of Legal Lending Limit
3. Securities Director of SME and Retail Funding : Muhammad Iqbal **
i. Related parties 0.00% 0.00%
a. Rupiah 37,048,084 52,615 5,449 6,812 48,948 37,161,908 40,933,462 47,600 4,329 6,614 54,503 41,046,508 ii. Non - Related parties 0.00% 0.00% SHARIA SUPERVISORY BOARD
b. Foreign currencies 9,806,536 - - - - 9,806,536 4,616,852 - - - - 4,616,852 b. Percentage of excess of the Legal Lending Limit Chairman : M. Quraish Shihab
4. Securities sold with agreement i. Related parties 0.00% 0.00% Member : Mohammad Bagus Teguh Perwira
to repurchase (Repo) ii. Non - Related parties 0.00% 0.00% Member : Muhammad Faiz
a. Rupiah 4,722,319 - - - - 4,722,319 3,607,377 - - - - 3,607,377 2. Reserve requirement
b. Foreign currencies - - - - - - - - - - - - a. Primary reserve requirement Rupiah SHAREHOLDER
5. Securities purchased with agreement a.) Conventional
to resell (Reverse Repo) - Daily 0.04% 0.08% Ultimate Shareholder
- Average 5.00% 7.20% - Republic of Indonesia : 60.00%
a. Rupiah - - - - - - - - - - - -
b.) Syariah 6.08% 7.75% Non Ultimate Shareholder through Capital Market ( 5%) : Nil
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 829,134 - - - - 829,134 964,833 - - - - 964,833 b. Reserve requirement Foreign currencies (Daily) 9.88% 4.57% Non Ultimate Shareholder through non Capital Market ( 5%) : Nil
7. Loans and financing provided 3. Net Open Position - Overall 3.27% 2.96%
* Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on
a. Micro, Small and Medium loans (UMKM) the Annual General Meeting of Shareholders dated March 6, 2024 and will be effective upon approval from
i. Rupiah 7,064,705 153,282 25,854 25,985 773,442 8,043,268 5,077,346 195,056 21,182 40,994 1,270,450 6,605,028 STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and
ii. Foreign currencies - - - - - - - - - - - - As of June 30, 2024 regulations.
b. Non UMKM (Unaudited) ** Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on
i. Rupiah 298,221,543 32,985,752 934,354 1,706,867 7,555,503 341,404,019 260,201,810 29,138,814 917,539 1,444,943 7,556,466 299,259,572 (In Millions of Rupiah) the Annual General Meeting of Shareholders dated March 6, 2024 and will be effective upon approval from
the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws
ii. Foreign currencies 2,527,186 - - - - 2,527,186 1,706,275 - - - - 1,706,275
Derivative Receivables and regulations.
c. Restructured loans Notional Type & Payables
i. Rupiah 30,456,405 20,329,968 589,908 1,257,416 5,510,680 58,144,377 30,665,721 15,840,806 523,646 1,108,075 6,294,220 54,432,468
No. TRANSACTION Amount
Trading Hedging Receivables Payables Kantor Pusat :
ii. Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - - Menara Bank BTN
9. Other receivable - - - - - - - - - - - - A, Exchange Rate Related Jl. Gajah Mada No. 1 Jakarta 10130, Telp. (021) 6336789, 6332666 Fax. (021) 6346704
10. Commitments and contingencies 1. Spot 234,906 234,906 - 231 146 Kantor Cabang :
a. Rupiah 17,148,180 424,771 8,818 190 185,592 17,767,551 18,635,079 645,229 25,635 7,436 139,676 19,453,055 2. Forward - - - - - • Ambon • Balikpapan • Bandar Lampung • Bandung • Bandung Timur • Bangkalan • Banjarmasin
b. Foreign currencies 1,270,261 - - - - 1,270,261 1,224,307 - - - - 1,224,307 3. Option • Banjarbaru • Batam • Banyuwangi • Bekasi • Bengkulu • Bintaro Jaya • Bogor • Bumi Serpong Damai
a. Written - - - - - • Cibinong • Cibubur • Cikarang • Cilegon • Cimahi • Ciputat • Cirebon • Denpasar • Depok • Gresik
• Gorontalo • Harapan Indah • Jakarta Agung Sedayu • Jakarta Cawang • Jakarta Kuningan
III. OTHER INFORMATION b. Purchased - - - - -
• Jakarta Harmoni • Jakarta Melawai • Jakarta Pluit • Jambi • Jayapura • Jember • Karawaci
4. Future - - - - - • Karawang • Kelapa Gading Square • Kebon Jeruk • Kediri • Kendari • Kudus • Kupang • Madiun
1. Value of bank’s assets pledge as collateral:
5. Swap 2,046,875 - 2,046,875 - 6,385 • Magelang • Makassar • Malang • Mamuju • Manado • Mataram • Medan • Mojokerto
a. To Bank Indonesia - - 6. Others 1,997,750 - 1,997,750 95,814 - • Mulyosari • Padang • Palangkaraya • Palembang • Palu • Panakukkang • Pangkal Pinang
b. To others - -
• Pare-Pare • Pekalongan • Pekanbaru • Pematang Siantar • Pontianak • Purwakarta • Purwokerto
2. Repossessed assets 77,591 77,591 B. Interest Rate Related
• Samarinda • Semarang • Sidoarjo • Singaraja • Solo • Sukabumi • Surabaya • Surabaya Bukit Darmo
1. Forward - - - - - • Tangerang • Tanjung Pinang • Tarakan • Tasikmalaya • Tegal • Ternate • Yogyakarta
2. Option
LOSSES AND ALLOWANCE FOR ASSET QUALITY ASSESSMENT a. Written - - - - -
As of June 30, 2024 and 2023 b. Purchased - - - - - Jakarta, July 26, 2024
(In Millions of Rupiah) 3. Future - - - - - S.E. & O
4. Swap - - - - -
5. Others - - - - - PT BANK TABUNGAN NEGARA (PERSERO) Tbk
June 30, 2024 (Unaudited) June 30, 2023 (Unaudited) Directors
C. Others - - - - -
No, DESCRIPTION Allowance for Impairment Required allowance for Allowance for Impairment Required allowance for
losses on earning assets losses on earning assets TOTAL 4,279,531 234,906 4,044,625 96,045 6,531
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
PRIME LENDING RATE
1. Placements with other banks 80 - 1,830 65,955 1,830 23 - 1,712 28,837 1,712 As Of June 30, 2024
2. Spot and derivative receivables/forward - - - 960 - - - - 541 - (% per annum)
3. Securities 19 - - 265,492 55,802 4 - 2,000 103,463 60,839 Nixon L.P. Napitupulu Nofry Rony Poetra
Prime Lending Rate
4. Securities sold with agreement to repurchase (Repo) - - - 21,500 - - - - - - President Director Director of Finance
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - - Business Segment
6. Acceptances receivables 287 - - 8,264 - 346 - - 9,648 - Corporate Retail Micro Consumer Loan
Loan Loan Loan
7.
8.
Loans and financing provided
Investments in shares
2,381,493
-
3,372,760
-
9,207,465
-
3,049,901
-
9,937,424
-
3,426,007
-
2,907,364
-
9,319,582
-
2,646,760
-
10,251,307
-
Mortgage Non Mortgage Contact Center : 1500286
9.
10.
Other receivable
Commitments and contingencies
-
1,071
-
-
-
-
-
48,896
-
187,861
-
10,810
-
1,157
-
-
-
28,341
-
147,867
Prime Lending Rate 8.05% 8.30% n/a 7.40% 8.80% www.btn.co.id
Page 2
FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk
STATEMENT OF FINANCIAL POSITION STATEMENT OF INCOME AND OTHER COMPREHENSIVE
As of June 30, 2024 and December 31, 2023 For the Period Ended June 30, 2024 and 2023
(In Millions of Rupiah) (In Millions of Rupiah)
Jun 30, 2024 Dec 31, 2023 Jun 30, 2024 Jun 30, 2023
NO. ACCOUNT (Unaudited) (Audited) NO. DESCRIPTION (Unaudited) (Unaudited)
ASSETS OPERATING INCOME AND EXPENSES
1. Cash 98,113 109,085 A. Operating Income and Expenses
2. Placement with Bank Indonesia 6,687,337 6,440,216
1. Revenue from Fund Management as Mudharib
3. Placement with Other Bank 200 200
a. Income from Receipable Financing 1,404,985 1,254,869
4. Investments in Marketable Securities 7,502,165 10,795,395
b. Income from Revenue Sharing Financing 179,408 167,071
5. Receivable Financing 36,582,925 32,488,789
c. Income from Revenue from Ijarah 81 -
6. Revenue Sharing Financing 4,827,790 4,624,042
d. Other Main Operating Income 412,748 314,269
7. Ijarah Receivable 1,300 1,450
8. Other Productive Assets - - 2. Third Parties Share on Returns of Temporary Syirkah Funds (880,139) (677,307)
9. Allowance for Impairment on Finansial Assets (1,461,174) (1,400,430) a. Non Profit Sharing (880,139) (677,307)
10. Premisses and Equipment 51,221 23,259 b. Profit Sharing - -
11. Non Productive Assets - - 3. Revenue after Sharing Distribustion 1,117,083 1,058,902
12. Other Assets 1,258,741 1,206,703
B. Other Operating Income and Expenses
TOTAL ASSETS 55,548,618 54,288,709 1. Gain (Loss) from foreign Currencies Transaction - -
LIABILITIES 2. Income Bank as Mudharib from Revenue Sharing - -
1. Wadiah Deposits 3. Comissions / Provisions / Fees and Administrative 50,972 40,769
a. Current Accounts 16,120,023 13,439,465 4. Other Income - -
b. Saving Accounts 1,386,426 1,276,592 5. Bonus on Wadiah Demand Deposite (56,713) (36,535)
2. Temporary Syirkah Fund 6. Impairment for Financial Assets (167,601) (327,632)
a. Current Accounts 1,234,318 726,061 7. Losses Related to Financial Assets - -
b. Saving Accounts 5,910,807 5,473,242 8. Impairment for Other Financial Assets 31,451 (9,000)
c. Time Deposits 21,445,032 20,887,524 9. Salaries and Employee Benefits (188,340) (185,209)
3. Liabilities to Bank Indonesia - - 10. Other Expense (416,553) (260,084)
4. Liabilities to Other Bank 28,273 23,235 Other Operating Income (Expenses) (746,784) (777,691)
5. Securities Issued 255,621 265,846 PROFIT AND LOSS FROM OPERATIONS 370,299 281,211
6. Other Liabilities 4,326,404 4,017,837
7. Profit Sharing Deposits - - NON OPERATING INCOME AND EXPENSES
8. Business Fund 4,466,296 7,471,713 1. Gain (Loss) for Sales of Premises and Equipment - -
9. Retained Earning 2. Other Non Operating Income (Expenses) 39 -
a. Other Comprehensive Income 286 65 PROFIT AND LOSS FROM NON OPERATIONS 39 -
b. Previous Year 4,794 4,794
c. Current Year 370,338 702,335 PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 370,338 281,211
TOTAL LIABILITIES 55,548,618 54,288,709 Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 370,338 281,211
REVENUE SHARING DISTRIBUTION OTHER COMPREHENSIVE INCOME
Period June 30, 2024 1. Unreclasiffied to Profit (Loss) - -
(In Millions of Rupiah) 2. Reclasiffied to Profit (Loss) 221 22,187
Net Revenue Sharing OTHER COMPREHENSIVE INCOME FOR THE YEAR
SHARE OF SHAHIBUL MAAL AFTER TAX 221 22,187
AVERAGE INCOME
NO. COLLECTIVE TYPE BONUS AND TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 370,559 303,398
BALANCE THAT MUST INDIKASI
RATIOS REVENUE
BE DIVIDED EQV,
SHARING STATEMENT OF COMMITMENTS AND CONTINGENCIES
As of June 30, 2024 and December 31, 2023
I. Liabilities to Other Bank - - - - - (In Millions of Rupiah)
II. Mudharabah Current Deposits Jun 30, 2024 Dec 31, 2023
a. Bank - - - - - NO. DESCRIPTION
(Unaudited) (Audited)
b. Non Bank 1,041,583 7,096 9.56% 678 0.78%
1. COMMITMENT RECEIVABLES
III, Mudharabah Saving Deposits 1. Unused Fund Borrowing/Financing Fasilities - -
a. Bank 15,071 102 32.67% 34 2.67% 2. Outstanding Purchase Position on Spot and Derivative/forward - -
b. Non Bank 5,391,743 36,731 33.07% 12,148 2.70% 3. Others - -
IV. Mudharabah Time Deposits 2. COMMITMENT PAYABLES
a. Bank 1. Unused Loan Fasilities Granted to Customer 1,265,708 774,926
1 Month - - - - - 2. Outstanding Sales Position on Spot and Derivative/forward
3 Month 1,000 7 29.50% 2 2.41% 3. Others
6 Month 300 2 29.50% 1 2.41%
12 Month - - - - - 3. CONTIGENT RECEIVABLE - -
1. Guarantees Received - -
b. Non Bank 2. Income in Progress - -
1 Month 3,315,603 22,588 27.01% 6,102 2.21% 3. Others 3,354,670 2,823,561
3 Month 6,838,236 46,585 29.50% 13,743 2.41%
6 Month 1,902,951 12,963 29.50% 3,824 2.41% 4. CONTIGENT PAYABLES
12 Month 1,801,925 12,275 29.50% 3,621 2.41% 1. Guarantees Issued 343 400
2. Others - -
V. Fund Borrowings 3,764,993 72,818 19.17% 13,962 4.45%
TOTAL 24,073,405 211,167 54,114 REPORT OF THE SOURCES AND USE OF WITNESS FUNDS
As June 30, 2024 and December 31, 2023
AVERAGE INCOME (In Millions of Rupiah)
NO. TYPE OF DISBURSEMENT
BALANCE RECEIVED Jun 30, 2024 Dec 31, 2023
NO. DESCRIPTION (Unaudited) (Audited)
I. Placement with Other Bank - - 1. Beginning Balance of Benevolent Funds 468 123
II. Murabahah Receivable 2. Sources of Benevolent Funds
a. Bank - - a. Sources of Benevolent Funds - -
b. Non Bank 8,771,825 143,535 b. Repayment of productive benevolent funds - -
III. Istishna Receivable c. Penalty; and 1,885 447
d. Non halal income 1 2
a. Bank - -
e. Other
b. Non Bank 116,271 32,391 Total benevolent funds received 1,886 449
IV. Multi-Service Receivable 3. Uses of Benevolent Funds
a. Bank - - a. Productive benevolent funds - -
b. Non Bank 17,315 69 b. Charity - -
V. Rahn Financing c. Other uses for public interest 84 104
a. Bank - - Total uses of benevolent funds 84 104
b. Non Bank - - 4. Surplus (deficit) of Benevolent Funds 1,802 345
VI. Mudharabah Financing 5. Ending Balance of Benevolent Funds 2,270 468
a. Bank - -
b. Non Bank 66,394 130 FINANCIAL RATIOS
VII. Musyarakah Financing For the Period Ended June 30, 2024 and 2023
a. Bank - - Jun 30, 2024 Jun 30, 2023
b. Non Bank 4,390,811 34,253 NO. RATIOS (Unaudited) (Unaudited)
VIII. Ijarah Receivable 1. Total Assets Sharia Unit to Total Assets Consolidation 12.19% 11.55%
a. Bank - - 2. Non Performing Productive Assets to Total Productive Assets 2.40% 2.73%
b. Non Bank - 38 3. Allowance for Impairment on Productive Assets
to Total Productive Assets 2.99% 4.30%
IX. Other Financing
4. Gross NPF 2.83% 3.27%
a. Bank - - 5. Nett NPF 0.74% 0.72%
b. Non Bank - 2 6. Return On Assets (ROA) 1.34% 1.22%
7. Financing Revenue Sharing to Total Financing 11.66% 14.22%
TOTAL 13,362,616 210,418 8. Financing to Deposit Ratio (FDR) 89.84% 97.04%
REPORT OF SOURCES AND DISTRIBUTION OF ZAKAT AND WAQF FUNDS Notes :
As June 30, 2024 and 31 December 2023 - Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
(In Millions of Rupiah) “Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
Jun 30, 2024 Dec 31, 2023
NO. DESCRIPTION (Unaudited) (Audited) Head Office :
A. Sources and Distribution of Zakat Funds Menara Bank BTN, Jl. Gajah Mada No. 1, Jakarta 10130 Phone : (021) 6336789, 6332666
1. Zakat Funds Received From: Sharia Branch Office :
a. Internal UUS 3 9 • Balikpapan • Banda Aceh • Bandar Lampung • Bandung • Banjarmasin • Batam • Bekasi
b. External UUS - • Bengkulu • Bogor • Cirebon • Depok • Jakarta Harmoni • Jakarta Pasar Minggu • Jambi
Total Zakat Funds Received 3 9 • Jember • Karawang • Kendari • Makassar • Malang • Mataram • Medan • Padang
2. Distribution of Zakat Funds • Palembang • Palu • Pekanbaru • Pontianak • Semarang • Serang • Solo • Surabaya
a. Zakat Receiving Institutions 1 9 • Tangerang • Tasikmalaya • Tegal • Yogyakarta
b. Zakat Receiving Body
Total Zakat Funds Distributed 1 9 Jakarta, July 26, 2024
B. Sources and Distributions of Waqf Funds PT BANK TABUNGAN NEGARA (PERSERO) Tbk
1. Waqf Fund Received From: Sharia Business Unit
a. Internal UUS - -
b. External UUS - -
Total Waqf Funds Received - -
2. Distribution of Waqf Funds
a. Badan Wakaf Indonesia - -
b. Other Nadzir - -
c. Other - - M. Quraish Shihab Hirwandi Gafar
Total Waqf Funds Distributed - - Sharia Supervisory Board Director of Consumer
Names mentioned 31 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank Indonesia
p.1 ×8
unresolved
org
PT Bank Tabungan
p.1
unresolved
org
Negara (Persero) Tbk
p.1
unresolved
org
Purwantono
p.1
unresolved
org
Young Global Limited
p.1
unresolved
org
Financial Services Authority
p.1 ×11
unresolved
org
Bapepam-LK
p.1 ×4
unresolved
org
Bank Indonesia Regulation
p.1
unresolved
org
Wakaf Indonesia
p.2
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