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Page 1
PT BANK OF INDIA INDONESIA TBK FINANCIAL STATEMENTS
AS OF 31 MARCH 2024 AND 31 MARCH 2023 (UNAUDITED)
HEAD OFFICE
Jl. K.H. Samanhudi No. 37. Jakarta, Telp. : 021-3500007 (Hunting), Fax : 021 - 3808178,
Website : www.boiindonesia.co.id, Email : corporate@boiindonesia.co.id. Share Code : BSWD, SWIFT BKIDIDJA.
BRANCH OFFICE
Samanhudi : Jl. Samanhudi No. 37 Jakarta Pusat 10710
Mangga Dua : Wisma Eka Jiwa Jl. Arteri Mangga Dua Raya Blok RM No. 17 Mangga Dua Selatan Jakarta 10730
Bandung : Jalan Veteran No. 49 Bandung
Tunjungan : Jalan Tunjungan No. 32 Surabaya Jawa Timur
Coklat : Jalan Coklat No. 20-22 Surabaya 60161
Denpasar : Ruko Indah Blok 27 Jalan Diponegoro No. 135-137
Medan : Jalan H. Zainul Arifin No. 55-C/31
Makassar : Jalan Ujung Pandang (Ex. Taman Bahari) No. 13
SUB-BRANCH OFFICE
Kelapa Gading : Graha KNS, Jl Raya Boulevard Barat Blok XC 5-6 Kelapa Gading Jakarta Utara 14240
Sunter : Jalan Danau Sunter Utara (Komplek Sunter Garden) Blok D-1 Kav. 12-13 No. 3 Jakarta Utara 14350
Kramat Jati : Jalan Raya Bogor KM 21 No. 18 Kramat Jati Jakarta Timur 13830
MD Place : MD Place Tower 2 Jalan Setiabudi Selatan No. 7 Jakarta Selatan
Ngagel : Jalan Ngagel Jaya Selatan No. 169-A Surabaya 60284
Wiyung : Ruko Taman Pondok Indah Blok A-37 Jalan Raya Menganti 211
CASH OFFICE
Gandhi National School : Jalan Pangandaran IX Blok B4 Ancol Barat Jakarta Utara
Gandhi Memorial Intercontinental
: Jalan H.B.R Motik - Blok D.6 No. 1 Kemayoran Jakarta Pusat
School (GMIS)
Page 2
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF FINANCIAL POSITION
AS OF 31 MARCH 2024 & 31 DECEMBER 2023
(In millions of Rupiah)
No. ACCOUNTS 31 MAR 2024 31 DEC 2023
ASSETS
1. Cash 18.625 11.454
2. Placements with Bank Indonesia 207.395 294.990
3. Placements with other banks 7.075 131.355
4. Spot and derivative/forward receivables 320 153
5. Securities 1.054.482 1.113.742
6. Securities sold under repurchase agreement (repo) - -
7. Securities purchased under resell agreements (reverse repo) 1.027.101 719.192
8. Acceptance receivables 2.119 1.297
9. Loans and financing 3.846.625 3.716.154
10. Sharia financing - -
11. Equity investment - -
12. Other financial assets 18.160 16.427
13. Impairment on financial assets -/-
a. Securities - -
b. Loans and Sharia financing 201.740 166.948
c. Others - -
14. Intangible assets 23.123 23.123
Accumulated amortization on intangible asset -/- 18.991 18.401
15. Fixed assets and equipment 156.275 154.908
Accumulated depreciation on fixed assets and equipment -/- 29.136 28.092
16. Non earning assets
a. Abandoned property - -
b. Foreclosed assets 128.874 128.874
c. Suspense accounts - -
d. Interbranch assets - -
17. Other assets 43.293 30.334
TOTAL ASSETS 6.283.600 6.128.562
No. ACCOUNTS 30 MAR 2024 31 DEC 2023
LIABILITIES
1. Current account 347.317 349.408
2. Saving account 157.146 173.943
3. Time deposit 2.336.735 2.177.451
4. Electronic money - -
5. Liabilities to Bank Indonesia - -
6. Liabilities to other banks 50 44
7. Spot and derivative/forward liabilities 48 97
8. Liabilities on securities sold under repurchase agreement (repo) - -
9. Acceptance liabilities 2.119 1.297
10. Issued securities - -
11. Loans/financing received - -
12. Margin deposit 739 737
13. Interbranch liabilities - -
14. Other liabilities 53.304 47.144
TOTAL LIABILITIES 2.897.458 2.750.121
EQUITIES
15. Paid in capital
a. Capital 2.200.000 2.200.000
b. Unpaid capital -/- 1.462.227 1.462.227
c. Treasury stock -/- - -
16. Additional paid in capital
a. Agio 2.895.154 2.895.154
b. Disagio -/- - -
c. Fund for paid up capital - -
d. Others - -
17. Other comprehensive income
a. Gains 107.627 107.627
b. Losses -/- 1.327 1.327
18. Reserves
a. General reserves 20.000 20.000
b. Appropriated reserves - -
19. Gain/loss
a. Previous years (380.785) (429.617)
b. Current Year 7.700 48.831
c. Dividends paid -/- - -
TOTAL EQUITIES 3.386.142 3.378.441
TOTAL LIABILITIES AND EQUITIES 6.283.600 6.128.562
Page 3
PT BANK OF INDIA INDONESIA TBK
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME
FOR THE PERIODS ENDED 31 MARCH 2024 AND MARCH 2023
(In millions of Rupiah)
No. ACCOUNTS 31 MAR 2024 31 MAR 2023
OPERATIONAL INCOME AND EXPENSES
A. Interest income and expenses
1. Interest income 91.863 83.726
2. Interest expenses 27.705 19.725
Net interest income (expenses) 64.158 64.001
B. Other operational income and expenses
1. Gains (losses) from increase (decrease) fair value on financial assets 272 1.405
2. Gains (losses) from decrease (increase) fair value on financial liabilities - -
3. Gains (losses) on sale of financial assets - -
4. Gains (losses) on spot and derivatives/forward (realised) (243) 76
5. Gains (losses) on investment under equity method - -
6. Gains (losses) from translation of foreign currency transactions (30) (796)
7. Dividend income - -
8. Commission/provision/fee and administration income 3.149 350
9. Other income 6.739 1.930
10. Impairment for financial assets 33.308 29.105
11. Losses on operational risk - -
12. Personnel expenses 14.112 11.014
13. Promotion expenses 82 100
14. Others expenses 16.673 11.343
Net Other Operational Income (Expenses) (54.288) (48.597)
OPERATIONAL PROFIT (LOSS) 9.870 15.404
NON OPERATIONAL INCOME AND EXPENSES
1. Gains (losses) on sale of fixed assets and equipment 51 172
2. Other non operational income (expenses) (49) (43)
NON OPERATIONAL PROFIT (LOSS) 2 129
CURRENT PERIOD PROFIT (LOSS) BEFORE TAX 9.872 15.533
Income tax
a. Estimated current year tax 2.172 3.417
b. Deferred tax income (expenses) - -
NET PROFIT (LOSS) AFTER TAX 7.700 12.116
OTHER COMPREHENSIVE INCOME
1. Items that will not be reclassified to profit or loss
a. Revaluation surplus of fixed assets - -
b. Gains (losses) from actuary benefit program - -
c. Others - -
2. Items that will be reclassified to profit or loss
a. Gains (losses) arising from translation of financial statements in foreign currency - -
b. Gains (losses) from changes in fair value of financial assets - debt instruments
measured through other comprehensive income - -
c. Others - -
OTHER COMPREHENSIVE INCOME FOR THE PERIOD AFTER INCOME TAX - -
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 7.700 12.116
Net Profit (Loss) Attributable To :
PARENT ENTITY 7.700 12.116
NON-CONTROLLING INTEREST
NET PROFIT (LOSS) FOR THE PERIOD 7.700 12.116
Total Comprehensive Profit (Loss) Attributable To :
PARENT ENTITY 7.700 12.116
NON-CONTROLLING INTEREST
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE PERIOD 7.700 12.116
PROFIT/LOSS TRANSFER TO HEAD OFFICE - -
DIVIDEND - -
EARNINGS PER SHARE (in full amount) 2 5
Page 4
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF COMMITMENTS & CONTINGENCIES
AS OF 31 MARCH 2024 AND 31 DECEMBER 2023
(In millions of Rupiah)
No. ACCOUNTS 31 MAR 2024 31 DEC 2023
I. COMMITTED RECEIVABLES
1. Unused borrowings/financing facilities - -
2. Foreign currency positions to be received from spot and derivatives/forward transactions 112.571 -
3. Others 72.181 65.755
II. COMMITTED LIABILITIES
1. Unused credit/financing facilities
a. Committed - -
b. Uncommitted 360.237 282.339
2. Outstanding irrevocable letters of credit - 3.112
3. Foreign currency positions to be submitted for spot and derivatives/forward transactions 12.684 -
4. Others - -
III. CONTINGENT RECEIVABLES
1. Received guarantees - 32.121
2. Others 9.842 10.904
IV. CONTINGENT LIABILITIES
1. Issued guarantees 35.006 32.121
2. Others - 703
Page 5
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF SPOT AND DERIVATIVE TRANSACTIONS
31 MARCH 2024
(In millions of Rupiah)
INDIVIDUAL
NO. TRANSACTION Notional Objectives Derivative Receivables and Payables
Amount Trading Hedging Receivables Payables
A. Related to Exchange Rate
1 Spot 23.807 - 23.807 14 11
2 Forward - - - -
3 Option
a. Put - - - - -
b. Call - - - - -
4 Future - - - - -
5 Swap 101.203 - 101.203 306 37
6 Others - - - - -
B. Related to Interest Rate
1 Forward - - - - -
2 Option
a. Put - - - - -
b. Call - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C. Others - - - - -
TOTAL 125.010 - 125.010 320 48
Page 6
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
PT BANK OF INDIA INDONESIA TBK
POSISI 31 MARET 2024 DAN 31 MARET 2023
(In millions of Rupiah)
CAPITAL COMPONENTS 31 MAR 2024 31 MAR 2023
I Tier 1 Capital 3.300.108 3.305.458
1 Common Equity Tier 1 (CET 1) 3.300.108 3.305.458
1.1 1.1. Paid-in Capital (After the deduction of treasury stock) 737.773 477.772
1.2 1.2. Disclosed Reserves 2.589.792 2.863.638
1.2.1 Addition Factor 3.030.481 3.298.413
1.2.1.1 Other comprehensive income 107.627 107.627
1.2.1.1.1 Translation of financial statements in foreign currency
Unrealized gain on financial assets measured through other
1.2.1.1.2 - -
comprehensive income
1.2.1.1.3 Revaluation surplus of fixed assets 107.627 107.627
1.2.1.2 Other disclosed reserve 2.922.854 3.190.786
1.2.1.2.1 Agio / Disagio 2.895.154 1.858.670
1.2.1.2.2 General Reserves 20.000 20.000
1.2.1.2.3 Previous year's profit
1.2.1.2.4 Current year's profit 7.700 12.116
1.2.1.2.5 Fund for paid-in capital - 1.300.000
1.2.1.2.6 Others - -
1.2.2 Deduction Factor (440.689) (434.775)
1.2.2.1 Other comprehensive income - -
1.2.2.1.1 Translation of financial statements in foreign currency
Unrealized loss on financial assets measured through other
1.2.2.1.2 - -
comprehensive account
1.2.2.2 Other disclosed reserve (440.689) (434.775)
1.2.2.2.1 Disagio
1.2.2.2.2 Previous year's losses (380.785) (429.617)
1.2.2.2.3 Current year's losses - -
Difference between allowance for possible losses and
1.2.2.2.4 - -
allowance for impairment losses on earning assets
Difference on the total of fair value adjustment from financial
1.2.2.2.5
instruments in trading book
Allowance for losses on non productive assets required to be
1.2.2.2.6 (59.904) (5.158)
provided
1.2.2.2.7 Others
1.3 Non-controlling interest - -
1.4 Deduction Factor of Common Equity Tier 1 (27.457) (35.952)
1.4.1 Deferred tax (23.326) (27.725)
1.4.2 Goodwill - -
1.4.3 Other intangible assets (4.131) (8.227)
1.4.4 Investments in shares of stock - -
1.4.5 Shortage of capital on insurance subsidiary company - -
1.4.6 Securitisation Exposure - -
1.4.7 Other deduction factor of common equity tier 1 - -
Investments in Instruments issued by the other bank that
1.4.7.1 - -
meet the criteria for inclusion in additional tier 1 and tier 2
Cross ownership of other entities obtained due to transfer
1.4.7.2 - -
because of law, grant, or bequest
Page 7
CALCULATION OF CAPITAL ADEQUACY RATIO / CAR
PT BANK OF INDIA INDONESIA TBK
POSISI 31 MARET 2024 DAN 31 MARET 2023
(In millions of Rupiah)
CAPITAL COMPONENTS 31 MAR 2024 31 MAR 2023
2 Additional Tier 1 Capital (AT-1) - -
2.1 Instruments that meet the criteria of AT 1 - -
2.2 Agio / Disagio - -
2.3 Deduction factor - -
2.3.1 Investments in Instruments issued by the other bank that meet the criteria
for inclusion in additional tier 1 and tier 2
2.3.2 Cross ownership of other entities obtained due to transfer because of
law, grant, or bequest
II Tier 2 Capital 29.689 18.852
1 Instruments issued by the bank that meet the criteria for inclusion in
- -
tier 2 capital
2 Agio/disagio - -
3 General allowance for losses on earning assets (max. 1.25% from risk-
weighted assets) 29.689 18.852
4 Deduction Factor of Tier 2 Capital - -
4.1 Sinking Fund - -
4.2 Investments in Instruments issued by the other bank that meet the criteria for - -
4.3 Cross ownership of other entities obtained due to transfer because of law,
- -
grant, or bequest
TOTAL CAPITAL 3.329.797 3.324.310
RISK-WEIGHTED ASSETS (RWAs)
RWAs CONSIDERING CREDIT RISK 3.432.967 2.350.416
RWAs CONSIDERING MARKET RISK - -
RWAs CONSIDERING OPERATIONAL RISK 191.181 166.371
TOTAL RISK-WEIGHTED ASSETS 3.624.148 2.516.787
Min. capital requirements based on risk profile 10,00% 10,00%
REGULATORY MINIMUM CAPITAL REQUIREMENT ALLOCATION BASED ON RISK PROFILE
From CET1 ( % ) 10,00% 10,00%
From AT1 ( % ) 0,00% 0,00%
From Tier 2 ( % ) 0,00% 0,00%
CAR RATIO 91,88% 132,09%
CET 1 Ratio (%) 91,06% 131,34%
Tier 1 Ratio (%) 91,06% 131,34%
Tier 2 Ratio (%) 0,82% 0,75%
CAR Ratio 91,88% 132,09%
CET 1 FOR BUFFER (%) 83,95% 69,72%
REGULATORY BUFFER PERCENTAGE REQUIRED BY BANK (%)
Capital Conservation Buffer (%) 0,00% 0,00%
Countercyclical Buffer (%) 0,0% 0,0%
Capital Surcharge for Systemic Bank (%) 0,0% 0,0%
Page 8
PT BANK OF INDIA INDONESIA TBK
STATEMENT OF CASH FLOWS
FOR THE PERIODS ENDED 31 MARCH 2024 & 2023
(In millions of Rupiah)
POS - POS 31 MAR 2024 31 MAR 2023
CASH FLOWS FROM OPERATING ACTIVITIES
Receipt of interest income, fees and commissions 90.131 77.566
Other operating income 14.357 6.243
Payments of interest expenses, fees and commissions (21.330) (16.154)
Payments of post-employment benefits (13.487) (10.390)
Payment of general, administration, maintenance and repairs (13.070) (5.155)
Other non-operating income / (expense) - net (50) (43)
Operating Profit before changes in operating activities 56.551 52.067
Changes in operating assets and liabilities
Decrease / (Increase) in operating assets :
Loans (95.679) (30.594)
Other assets (49.695) (8.239)
Increase (decrease) in operating liabilities :
Obligations Due Immediately 1.180 (45.771)
Deposits 140.402 (31.894)
Other liabilities (9.046) (11.148)
Net cash provided by (used in) operating activities 43.713 (75.579)
CASH FLOWS FROM INVESTING ACTIVITIES
Decrease (increase) in securities held until maturity 59.260 (198.250)
Proceeds from sale of fixed assets - 171
Acquisitions of fixed assets and intangible assets 261 1.665
(307.909) 296.215
Decrease (Increase) in securities purchased under resale agreements
Net cash provided by investing activities (248.388) 99.801
CASH FLOWS FROM FINANCING ACTIVITIES
Additional paid-in capital - -
Stock issuance costs - -
Net cash provided by financing activities - -
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS (204.675) 24.222
CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 437.800 339.578
Effect of foreign exchange rate changes (30) (796)
CASH AND CASH EQUIVALENTS AT END OF YEAR 233.095 363.004
SUPPLEMENTAL DISCLOSURES
Cash and cash equivalents consist of :
Cash 18.625 24.897
Current accounts with Bank Indonesia 176.395 134.697
Current accounts with other banks 7.075 70.454
Placements with Bank Indonesia and other banks - mature within 3
31.000 132.956
(three) months
Sertifikat Bank Indonesia - jatuh tempo kurang tiga bulan
Total cash and cash equivalents 233.095 363.004
Page 9
PT BANK OF INDIA INDONESIA TBK
FINANCIAL RATIOS CALCULATION
31 MARCH 2024 AND 31 MARCH 2023
(In %)
No RATIO 31 MAR 2024 31 MAR 2023
I. Performance Ratio
1 Capital Adequacy Ratio (CAR) 91,88% 132,09%
2 Non performing earning assets and non earning assets to 6,19% 3,92%
total earning assets and non earning assets
3 Non perfoming earning assets to total earning assets 4,57% 3,97%
4 Allowance for impairment on financial assets to earning assets 3,17% 2,91%
5 NPL gross 7,09% 8,83%
6 NPL net 3,96% 4,30%
7 Return on Asset (ROA) 0,64% 1,04%
8 Return on Equity (ROE) 0,93% 1,46%
9 Net Interest Margin (NIM) 4,38% 4,64%
10 Operating Expenses to Operating Income (BOPO) 91,03% 82,91%
11 Cost to Income Ratio (CIR) 47,88% 35,39%
12 Loan to Deposits Ratio (LDR) 135,39% 97,33%
II. Compliance
1 a. Percentage Violation of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
b. Percentage Lending in excess of Legal Lending Limit
I. Related parties - -
II. Non related parties - -
2 Reserve Requirement
a. Primary Reserve Requirement (Rupiah) 7,51% 7,26%
b. Reserve Requirement (Foreign currencies) 4,08% 4,09%
3 Net Open Position 0,05% 0,47%
Page 10
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2024 31 MARCH 2023
L DPK KL D M Total L DPK KL D M Total
I. RELATED PARTIES
1. Placement with other banks 1.156 - - - - 1.156 1.440 - - - - 1.440
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies 1.156 - - - - 1.156 1.440 - - - - 1.440
2. Spot and derivative/forward receivables - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
3. Securities - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables - - - - - - - - - - - -
7. Loans and financing 13 - - - - 13 114.151 - - - - 114.151
a. Micro, small and medium enterprises (UMKM) - - - - - - 23.573 - - - - 23.573
i. Rupiah - - - - - - 23.573 - - - - 23.573
ii.. Foreign currencies - - - - - - - - - - - -
b. Non micro, small and medium enterprises (non UMKM) 13 - - - - 13 90.578 - - - - 90.578
i. Rupiah 13 - - - - 13 79.349 - - - - 79.349
ii.. Foreign currencies - - - - - - 11.229 - - - - 11.229
c. Restructured loans - - - - - - - - - - - -
i. Rupiah - - - - - - - - - - - -
ii.. Foreign currencies - - - - - - - - - - - -
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies - - - - - - 30.935 - - - - 30.935
a. Rupiah - - - - - - 22.838 - - - - 22.838
b. Foreign currencies - - - - - - 8.097 - - - - 8.097
Page 11
EARNING ASSETS QUALITY AND OTHER INFORMATION
BANK : PT BANK OF INDIA INDONESIA TBK
DATE OF REPORT : 30 SEPTEMBER 2023 AND 30 SEPTEMBER 2022
(In millions of Rupiah)
INDIVIDUAL
No. ACCOUNTS 31 MARCH 2024 31 MARCH 2023
L DPK KL D M Total L DPK KL D M Total
II NON RELATED PARTIES
1. Placement with other banks 5.919 - - - - 5.919 143.987 - - - - 143.987
a. Rupiah 1.550 - - - - 1.550 11.632 - - - - 11.632
b. Foreign currencies 4.369 - - - - 4.369 132.355 - - - - 132.355
2. Spot and derivative/forward receivables 320 - - - - 320 1.405 - - - - 1.405
a. Rupiah 320 - - - - 320 1.405 - - - - 1.405
b. Foreign currencies - - - - - - - - - - - -
3. Securities 1.054.482 - - - - 1.054.482 1.057.626 - - - - 1.057.626
a. Rupiah 1.054.482 - - - - 1.054.482 1.057.626 - - - - 1.057.626
b. Foreign currencies - - - - - - - - - - - -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - - - -
a. Rupiah - - - - - - - - - - - -
b. Foreign currencies - - - - - - - - - - - -
5. Claims on securities bought under reverse repo 1.027.101 - - - - 1.027.101 1.845.225 - - - - 1.845.225
a. Rupiah 1.027.101 - - - - 1.027.101 1.845.225 - - - - 1.845.225
b. Foreign currencies - - - - - - - - - - - -
6. Acceptance receivables 2.119 - - - - 2.119 3.340 - - - - 3.340
7. Loans and financing 3.297.272 276.622 78.631 33.953 160.134 3.846.612 1.871.882 325.819 101.169 109 122.624 2.421.603
a. Micro, small and medium enterprises (UMKM) 447.631 16.020 1.800 1.420 - 466.871 308.938 46.698 - 109 47.948 403.693
i. Rupiah 440.058 13.987 1.800 1.420 - 457.265 308.024 39.281 - 109 47.948 395.362
ii.. Foreign currencies 7.573 2.033 - - - 9.606 914 7.417 - - - 8.331
b. Non micro, small and medium enterprises (non UMKM) 2.849.641 260.602 76.831 32.533 160.134 3.379.741 1.562.944 279.121 101.169 - 74.676 2.017.910
i. Rupiah 2.525.021 123.773 - 32.533 104.669 2.785.996 1.155.199 114.464 101.169 - 18.664 1.389.496
ii.. Foreign currencies 324.620 136.829 76.831 - 55.465 593.745 407.745 164.657 - - 56.012 628.414
c. Restructured loans 9.480 167.473 76.831 32.628 156.634 443.046 344.072 311.096 101.169 109 89.607 846.053
i. Rupiah 9.480 28.611 - 32.628 101.169 171.888 164.541 139.794 101.169 109 33.595 439.208
ii.. Foreign currencies - 138.862 76.831 - 55.465 271.158 179.531 171.302 - - 56.012 406.845
8. Equity investment - - - - - - - - - - - -
9. Other receivables* - - - - - - - - - - - -
10. Commitments and contingencies 394.663 24 - - 555 395.242 278.820 727 - - - 279.547
a. Rupiah 381.422 24 - - - 381.446 264.926 38 - - - 264.964
b. Foreign currencies 13.241 - - - 555 13.796 13.894 689 - - - 14.583
III OTHER INFORMATION
1. Value of bank's assets pledge as collateral :
a. To Bank Indonesia - -
b. To Other Parties - -
2. Foreclosed assets 128.874 155.954
Page 12
PT BANK OF INDIA INDONESIA TBK
ALLOWANCE FOR IMPAIRMENTS LOSSES ON EARNINGS ASSETS
AS OF 31 MARCH 2024 AND 31 MARCH 2023
(In millions of Rupiah)
31 MARCH 2024 31 MARCH 2023
Calculate Allowance Calculate Allowance
No. ACCOUNTS Allowance for Impairment for Possible Allowance for Impairment for Possible
Losses on Earning Assets Losses on Earning Assets
Stage 1 Stage 2 Stage 3 General Specific Stage 1 Stage 2 Stage 3 General Specific
1. Placement with other banks - - - 71 - - - - 1.454 -
2. Spot and derivative/forward receivables - - - 3 - - - - 14 -
3. Securities - - - 370 - - - - 370 -
4. Securities sold under repurchase agreement (repo) - - - - - - - - - -
5. Claims on securities bought under reverse repo - - - - - - - - - -
6. Acceptance receivables - - - 21 - - - - 33 -
7. Loans and financing 34.863 46.480 120.397 28.909 128.576 61.416 71.473 40.028 16.665 59.952
8. Equity investment - - - - - - - - - -
9. Other receivables* - - - - - - - - - -
10. Commitments and Contingencies 30 - - 315 556 667 - - 316 36
*) 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.
Page 13
BANK MANAGEMENT
Board of Commissioners:
President Commissioner : Sudhiranjan Padhi
Independent Commissioner : Handadjaja Sulaiman
Independent Commissioner : Lungguk Gultom
Board of Directors:
President Director : RM Raharjo Satrio Unggul
Vice President Director : Jayaprakash Bharathan
Operational Director : Carolina Dina Rusdiana
Credit & International Banking Director : Chandra Sekhar Mukherjee
Compliance Director : Dennis Kusuma Halim
SHAREHOLDERS
Controlling Shareholders (PSP):
- Bank of India 90,96%
Non-controlling shareholders through capital market (≥ 5%):
Nil -
Non-controlling shareholders not through the capital market (≥ 5%):
Nil -
Other Shareholders:
- Public (each Shareholding ≤ 5%) 9,04%
BANK OF INDIA SHAREHOLDERS
Indian Government 73,38%
Public 26,62%
Page 14
Notes:
● The publication report is presented to fulfill the following conditions:
1. Financial Services Authority Regulation Number 37/POJK.03/2019 dated 19 December 2019 regarding Transparency and Publication of Bank
Reports.
2. Financial Services Authority Circular Letter Number 9/SEOJK.03/2020 dated 30 June 2020 concerning Transparency and Publication of Conventional
Commercial Bank's Reports.
3. Financial Services Authority Regulation Number 14 / POJK.04/2022 dated 22 August 2022 concerning Submission of Periodic Financial Reports of
Issuers or Public Companies.
4. Regulation No. VIII.G.7 which is an attachment to the Decree of the Chairman of the Capital Market and Financial Institution Supervisory Agency
(“Bapepam-LK”) No. KEP-347/BL/2012 dated 25 June 2012 regarding Presentation and Disclosure of Financial Statements of Issuers or Public
Companies.
● Kurs 31 March 2024 1 USD = Rp15.855,00,-
Kurs 31 March 2023 1 USD = Rp14.994,50,-
Kurs 29 December 2023 1 USD = Rp15.397,00,-
Jakarta, April 29th, 2024
S.E., & O
PT Bank of India Indonesia Tbk
BOARD OF DIRECTORS
RM Raharjo Satrio Unggul Jayaprakash Bharathan
President Director Vice President Director
PT Bank of India Indonesia Tbk is registered and supervised by the Financial Services Authority and Bank Indonesia, and a member of Indonesia Deposit
Insurance Corporation (Lembaga Penjamin Simpanan/LPS)
Names mentioned 18 people and organisations named in the text · linked when the evidence is strong
unresolved
person
K.H. Samanhudi
p.1
unresolved
person
H. Zainul Arifin
p.1
unresolved
org
Bank Indonesia
p.2 ×7
unresolved
org
Financial Services Authority
p.14 ×4
unresolved
org
Bapepam-LK
p.14 ×2
unresolved
org
India Indonesia Tbk
p.14 ×2
unresolved
person
Vice
· President Director
p.14 ×2
unresolved
org
Indonesia Deposit Insurance Corporation
p.14
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