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Nomor Surat 353/DIR/EXT/24.
Nama Emiten Bank Pan Indonesia Tbk
Kode Emiten PNBN
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2024 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT Bank Bergerak Jakarta 2009 Masih 16.523.892 JUTAAN IDR 67.3
Panin Dubai Dalam Bidang beroperasi
Syariah Tbk. Usaha
Perbankan
2 PT Clipan Lembaga Jakarta 1982 Masih 10.307.854 JUTAAN IDR 51.49
Finance Pembiayaan beroperasi
Indonesia Kosumen
Tbk.
Dokumen ini merupakan dokumen resmi Bank Pan Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. Bank
Pan Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
2024-03-31
Informasi umum General information
Nama entitas Bank Pan Indonesia Tbk Entity name
Penjelasan perubahan nama dari akhir periode laporan sebelumnya Explanation of change in name from the end of the preceding reporting period
Kode entitas PNBN Entity code
Nomor identifikasi entitas AA015 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Sharia Entity main industry
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham pengendali National and Foreign Corporation Controlling shareholder information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Bond Type of listed securities
Jenis papan perdagangan tempat entitas tercatat Utama / Main Type of board on which the entity is listed
Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas Entitas grup / Group entity Whether the financial statements are of an individual entity or a group of entities
Periode penyampaian laporan keuangan Kuartal I / First Quarter Period of financial statements submissions
Tanggal Surat Pernyataan Direksi April 29, 2024 Date Of Board Of Directors' Statement Letter
Tanggal awal periode berjalan January 01, 2024 Current period start date
Tanggal akhir periode berjalan March 31, 2024 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2023 Prior year end date
Tanggal awal periode sebelumnya January 01, 2023 Prior period start date
Tanggal akhir periode sebelumnya March 31, 2023 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2022 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah 15,855.00000 Conversion rate at reporting date if presentation currency is other than rupiah
Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan Jutaan / In Million Level of rounding used in financial statements
Jenis laporan atas laporan keuangan Tidak Diaudit / Unaudit Type of report on financial statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu masalah atau paragraf penjelasan lainnya, jika ada Matters disclosed in emphasis-of-matter or other-matter paragraph, if any
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Ya / Yes Any Key Audit Matters Opinion
Jumlah Hal Audit Utama 4 Total Key Audit Matters
Paragraf Hal Audit Utama kerugian kredit ekspektasian - perhitungan ckpn atas aset keuangan Key Audit Matters Paragraph
Tanggal laporan audit atau hasil laporan review 2024-02-23 Date of auditor's opinion or result of review report
Auditor tahun berjalan KAP Imelda & Rekan Current year auditor
Nama partner audit tahun berjalan Fonny Alimin Name of current year audit signing partner
Lama tahun penugasan partner yang menandatangani 3 Number of years served as audit signing partner
Auditor tahun sebelumnya Imelda & Rekan Prior year auditor
Nama partner audit tahun sebelumnya Fonny Alimin Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan peraturan OJK Nomor: 75/POJK.04/2017 tentang Tanggung Jawab Direksi Atas Laporan Keuangan Ya / Yes Whether in compliance with OJK rules No. 75/POJK.04/2017 concerning responsibilities of board of directors on financial statements
Kepatuhan terhadap pemenuhan independensi akuntan yang memberikan jasa audit di pasar modal sesuai dengan POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dalam Ya / Yes Compliance to the independency of Accountant that provide services in Capital Market as regulated in OJK rules No. 13/POJK.03/2017 concerning The Use of Public Accountant and Auditing Firm in
Kegiatan Jasa Keuangan Financial Services Activities.
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[4220000] Statement of financial position presented using order of liquidity - Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position
2024-03-31 2023-12-31
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 2,275,027 1,297,547 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada Bank Indonesia 5,790,147 7,870,438 Current accounts with Bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 1,254,353 1,076,630 Current accounts with other banks third parties
Giro pada bank lain pihak berelasi 130,768 221,111 Current accounts with other banks related parties
Cadangan kerugian penurunan nilai pada giro pada bank lain ( 27 ) ( 35 ) Allowance for impairment losses for current accounts with other bank
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain pihak ketiga 4,455,198 6,038,336 Placements with Bank Indonesia and other banks third parties
Penempatan pada Bank Indonesia dan bank lain pihak berelasi 237,825 Placements with Bank Indonesia and other banks related parties
Cadangan kerugian penurunan nilai pada penempatan pada bank lain ( 98 ) ( 2,688 ) Allowance for impairment losses for placements with other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak ketiga Insurance receivables third parties
Piutang asuransi pihak berelasi Insurance receivables related parties
Cadangan kerugian penurunan nilai pada piutang asuransi Allowance for impairment losses for insurance receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga kliring dan penjaminan Deposits to clearing and settlement guarantee institution
Efek-efek yang diperdagangkan Marketable securities
Efek-efek yang diperdagangkan pihak ketiga 47,645,090 39,010,673 Marketable securities third parties
Efek-efek yang diperdagangkan pihak berelasi Marketable securities related parties
Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan ( 28 ) ( 39 ) Allowance for impairment losses for marketable securities
Investasi pemegang polis pada kontrak unit-linked Investments of policyholder in unit-linked contracts
Efek yang dibeli dengan janji dijual kembali 4,826,791 Securities purchased under agreement to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya pihak ketiga Bills and other receivables third parties
Wesel ekspor dan tagihan lainnya pihak berelasi Bills and other receivables related parties
Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan lainnya Allowance for impairment losses for bills and other receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak ketiga 2,055,401 1,637,787 Acceptance receivables third parties
Tagihan akseptasi pihak berelasi Acceptance receivables related parties
Cadangan kerugian penurunan nilai pada tagihan akseptasi ( 9,066 ) ( 7,658 ) Allowance for impairment losses for acceptance receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak ketiga 40,304 20,437 Derivative receivables third parties
Tagihan derivatif pihak berelasi Derivative receivables related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan pihak ketiga 135,593,521 138,351,123 Loans third parties
Pinjaman yang diberikan pihak berelasi 1,322,246 1,350,018 Loans related parties
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 8,403,121 ) ( 8,202,868 ) Allowance for impairment losses for loans
Piutang dari lembaga kliring dan penjaminan Receivables from clearing and settlement guarantee institution
Piutang nasabah Receivables from customers
Piutang nasabah pihak ketiga Receivables from customers third parties
Piutang nasabah pihak berelasi Receivables from customers related parties
Cadangan kerugian penurunan nilai pada piutang nasabah Allowance for impairment losses for receivables from customers
Piutang murabahah Murabahah receivables
Piutang murabahah pihak ketiga Murabahah receivables third parties
Piutang murabahah pihak berelasi Murabahah receivables related parties
Cadangan kerugian penurunan nilai pada piutang murabahah Allowance for impairment losses for murabahah receivables
Piutang istishna Istishna receivables
Piutang istishna pihak ketiga Istishna receivables third parties
Piutang istishna pihak berelasi Istishna receivables related parties
Cadangan kerugian penurunan nilai pada piutang istishna Allowance for impairment losses for istishna receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga Ijarah receivables third parties
Piutang ijarah pihak berelasi Ijarah receivables related parties
Cadangan kerugian penurunan nilai pada piutang ijarah Allowance for impairment losses for ijarah receivables
Piutang pembiayaan konsumen Consumer financing receivables
Piutang pembiayaan konsumen pihak ketiga 8,954,431 8,614,493 Consumer financing receivables third parties
Piutang pembiayaan konsumen pihak berelasi Consumer financing receivables related parties
Cadangan kerugian penurunan nilai pada piutang pembiayaan konsumen ( 196,346 ) ( 185,488 ) Allowance for impairment losses for consumer financing receivables
Pinjaman qardh Qardh funds
Pinjaman qardh pihak ketiga Qardh funds third parties
Pinjaman qardh pihak berelasi Qardh funds related parties
Cadangan kerugian penurunan nilai pada pinjaman qardh Allowance for impairment losses for qardh funds
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah pihak ketiga Mudharabah financing third parties
Pembiayaan mudharabah pihak berelasi Mudharabah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah Allowance for impairment losses for mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak ketiga Musyarakah financing third parties
Pembiayaan musyarakah pihak berelasi Musyarakah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah Allowance for impairment losses for musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga 556,921 529,433 Lease investments third parties
Investasi sewa pihak berelasi Lease investments related parties
Investasi sewa nilai residu yang terjamin Lease investments guaranteed residual value
Investasi sewa pendapatan pembiayaan tangguhan Lease investments deferred financing income
Investasi sewa simpanan jaminan Lease investments guarantee deposits
Cadangan kerugian penurunan nilai pada investasi sewa ( 6,784 ) ( 953 ) Allowance for impairment losses for lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga 75,000 75,000 Factoring receivables third parties
Tagihan anjak piutang pihak berelasi Factoring receivables related parties
Tagihan anjak piutang pada pendapatan anjak piutang tangguhan Factoring receivables on deferred factoring income
Cadangan kerugian penurunan nilai pada tagihan anjak piutang ( 28,711 ) ( 30,951 ) Allowance for impairment losses for factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga 88,661 93,334 Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai pada piutang lainnya ( 25,926 ) ( 60,186 ) Allowance for impairment losses for other receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah Government bonds
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk dijual Non-current assets or disposal groups classified as held-for-sale
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk didistribusikan kepada pemilik Non-current assets or disposal groups classified as held-for-distribution to owners
Uang muka Advances
Biaya dibayar dimuka 264,667 114,353 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 770,271 747,872 Deferred tax assets
Investasi yang dicatat dengan menggunakan metode ekuitas Investments accounted for using equity method
Investasi pada ventura bersama dan entitas asosiasi Investments in joint ventures and associates
Investasi pada entitas ventura bersama Investments in joint ventures
Investasi pada entitas asosiasi 789,370 766,401 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill Goodwill
Aset takberwujud selain goodwill 539,313 522,482 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 9,791,588 10,002,144 Property, plant, and equipment
Aset hak guna Right of use assets
Aset pengampunan pajak Tax amnesty assets
Agunan yang diambil alih Foreclosed assets
Aset lainnya 8,038,681 7,334,513 Other assets
Jumlah aset 221,998,676 222,010,050 Total assets
Liabilitas, dana syirkah temporer dan ekuitas Liabilities, temporary syirkah funds and equity
Liabilitas Liabilities
Liabilitas segera 338,155 186,926 Obligations due immediately
Bagi hasil yang belum dibagikan Undistributed profit sharing
Dana simpanan syariah Sharia deposits
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga 11,058,140 11,535,347 Current accounts third parties
Giro pihak berelasi 195,194 186,069 Current accounts related parties
Giro wadiah Wadiah demand deposits
Giro wadiah pihak ketiga 367,339 289,238 Wadiah demand deposits third parties
Giro wadiah pihak berelasi Wadiah demand deposits related parties
Tabungan Savings
Tabungan pihak ketiga 50,338,293 50,571,593 Savings third parties
Tabungan pihak berelasi 506,049 562,937 Savings related parties
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Tabungan wadiah Wadiah savings
Tabungan wadiah pihak ketiga 1,315,899 2,228,720 Wadiah savings third parties
Tabungan wadiah pihak berelasi Wadiah savings related parties
Deposito berjangka Time deposits
Deposito berjangka pihak ketiga 66,974,843 68,986,654 Time deposits third parties
Deposito berjangka pihak berelasi 616,365 728,923 Time deposits related parties
Deposito wakalah Wakalah deposits
Deposito wakalah pihak ketiga Wakalah deposits third parties
Deposito wakalah pihak berelasi Wakalah deposits related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank lain pihak berelasi Other banks deposits related parties
Simpanan dari bank lain pihak ketiga 3,569,192 2,420,728 Other banks deposits third parties
Efek yang dijual dengan janji untuk dibeli kembali 12,346,129 9,761,945 Securities sold with repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 39,851 16,432 Derivative payables third parties
Liabilitas derivatif pihak berelasi Derivative payables related parties
Utang asuransi Insurance payables
Utang koasuransi Coinsurance liabilities
Liabilitas kepada pemegang polis unit-linked Liabilities to policyholder in unit-linked contracts
Utang bunga Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi pihak berelasi Acceptance liabilities related parties
Liabilitas akseptasi pihak ketiga 2,060,246 1,641,363 Acceptance liabilities third parties
Utang usaha Accounts payable
Uang muka dan angsuran Advances and installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima pihak ketiga 3,148,718 2,803,373 Borrowings third parties
Pinjaman yang diterima pihak berelasi Borrowings related parties
Pinjaman yang diterima utang pada lembaga kliring dan penjaminan Borrowings payables to clearing and settlement guarantee institution
Efek yang diterbitkan Securities issued
Utang obligasi 0 Bonds payable
Sukuk Sukuk
Obligasi subordinasi 1,300,112 3,699,276 Subordinated bonds
Surat utang jangka menengah Medium term notes
Efek yang diterbitkan lainnya Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi Provisions
Liabilitas atas kontrak Contract liabilities
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan kontinjensi Estimated losses on commitments and contingencies
Beban akrual Accrued expenses
Utang pajak 249,038 221,735 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 1,340,972 1,347,101 Other liabilities
Kewajiban imbalan pasca kerja 964,269 960,675 Post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga Subordinated loans third parties
Pinjaman subordinasi pihak berelasi Subordinated loans related parties
Jumlah liabilitas 156,728,804 158,149,035 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga Mudharabah current account third parties
Giro berjangka mudharabah pihak berelasi Mudharabah current account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak ketiga 442,232 392,209 Mudharabah saving deposits third parties
Tabungan mudharabah pihak berelasi Mudharabah saving deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
Deposito berjangka mudharabah pihak ketiga 10,081,407 9,738,559 Mudharabah time deposits third parties
Deposito berjangka mudharabah pihak berelasi Mudharabah time deposits related parties
Bank Bank
Giro mudharabah Mudharabah current account
Tabungan mudharabah (ummat) 16,070 24,582 Mudharabah saving deposits (ummat)
Deposito berjangka mudharabah 690,250 393,180 Mudharabah time deposits
Efek yang diterbitkan bank Bank securities issued
Investasi mudharabah antar bank Interbank mudharabah investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah subordinasi Subordinated mudharabah sukuk
Jumlah dana syirkah temporer 11,229,959 10,548,530 Total temporary syirkah funds
Jumlah akumulasi dana tabarru 0 Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada pemilik entitas induk Equity attributable to equity owners of parent entity
Saham biasa 2,408,765 2,408,765 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 3,440,707 3,440,707 Additional paid-in capital
Saham treasuri ( 610 ) ( 610 ) Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Penjabaran laporan keuangan Translation adjustment
Cadangan revaluasi Revaluation reserves
Cadangan selisih kurs penjabaran Reserve of exchange differences on translation
Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui pendapatan komprehensif lainnya Reserve for changes in fair value of fair value through other comprehensive income financial assets
Cadangan keuntungan (kerugian) investasi pada instrumen ekuitas Reserve of gains (losses) from investments in equity instruments
Cadangan pembayaran berbasis saham Reserve of share-based payments
Cadangan lindung nilai arus kas Reserve of cash flow hedges
Cadangan pengukuran kembali program imbalan pasti Reserve of remeasurements of defined benefit plans
Cadangan lainnya Other reserves
Selisih Transaksi Perubahan Ekuitas Entitas Anak/Asosiasi Difference Due to Changes of Equity in Subsidiary/Associates
Komponen ekuitas lainnya 6,974,738 7,104,903 Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan penggunaanya Appropriated retained earnings
Cadangan umum dan wajib General and legal reserves
Cadangan khusus 140,000 140,000 Specific reserves
Saldo laba yang belum ditentukan penggunaannya 37,418,261 36,611,051 Unappropriated retained earnings
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk 50,381,861 49,704,816 Total equity attributable to equity owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 3,658,052 3,607,669 Non-controlling interests
Jumlah ekuitas 54,039,913 53,312,485 Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas 221,998,676 222,010,050 Total liabilities, temporary syirkah funds and equity
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[4312000] Statement of profit or loss and other comprehensive income, OCI components presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
2024-03-31 2023-03-31
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 3,790,083 3,651,135 Interest income
Beban bunga ( 1,534,758 ) ( 1,299,389 ) Interest expenses
Pendapatan pengelolaan dana oleh bank sebagai mudharib Revenue from fund management as mudharib
Hak pihak ketiga atas bagi hasil dana syirkah temporer Third parties share on return of temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi Revenue from insurance premiums
Premi reasuransi Reinsurance premiums
Premi retrosesi Retrocession premiums
Penurunan (kenaikan) premi yang belum merupakan pendapatan Decrease (increase) in unearned premiums
Penurunan (kenaikan) pendapatan premi disesikan kepada reasuradur Decrease (increase) in premium income ceded to reinsurancer
Pendapatan komisi asuransi Insurance commission income
Pendapatan bersih investasi Net investment income
Penerimaan ujrah Ujrah received
Pendapatan asuransi lainnya Other insurance income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) estimasi liabilitas klaim Increase (decrease) in estimated claims liability
Kenaikan (penurunan) liabilitas manfaat polis masa depan Increase (decrease) in liability for future policy benefit
Kenaikan (penurunan) provisi yang timbul dari tes kecukupan liabilitas Increase (decrease) in provision for losses arising from liability adequacy test
Kenaikan (penurunan) liabilitas asuransi yang disesikan kepada reasuradur Increase (decrease) in insurance liabilities ceded to reinsurers
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked Increase (decrease) in liabilities to policyholder in unit-linked contracts
Beban komisi asuransi Insurance commission expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari kontrak asuransi Acquisition costs of insurance contracts
Beban asuransi lainnya Other insurance expenses
Pendapatan dari pembiayaan Financing income
Pendapatan dari pembiayaan konsumen Revenue from consumer financing
Pendapatan dari sewa pembiayaan Revenue from finance lease
Pendapatan dari sewa operasi Revenue from operating lease
Pendapatan dari anjak piutang Revenue from factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan penjamin emisi dan penjualan efek Revenue from underwriting activities and selling fees
Pendapatan pembiayaan transaksi nasabah Revenue from financing transactions
Pendapatan jasa biro administrasi efek Revenue from securities administration service
Pendapatan kegiatan jasa manajer investasi Revenue from investment management services
Pendapatan kegiatan jasa penasehat keuangan Revenue from financial advisory services
Keuntungan (kerugian) dari transaksi perdagangan efek yang telah direalisasi 69,375 50,023 Realised gains (losses) on trading of marketable securities
Keuntungan (kerugian) perubahan nilai wajar efek ( 47,427 ) 32,142 Gains (losses) on changes in fair value of marketable securities
Pendapatan operasional lainnya Other operating income
Pendapatan investasi Investments income
Pendapatan provisi dan komisi dari transaksi lainnya selain kredit 32,866 33,862 Provisions and commissions income from transactions other than loan
Pendapatan transaksi perdagangan Revenue from trading transactions
Pendapatan dividen Dividends income
Keuntungan (kerugian) yang telah direalisasi atas instrumen derivatif Realised gains (losses) from derivative instruments
Penerimaan kembali aset yang telah dihapusbukukan Revenue from recovery of written-off assets
Keuntungan (kerugian) selisih kurs mata uang asing 31,564 22,832 Gains (losses) on changes in foreign exchange rates
Keuntungan (kerugian) pelepasan aset tetap Gains (losses) on disposal of property and equipment
Keuntungan (kerugian) pelepasan agunan yang diambil alih Gains (losses) on disposal of foreclosed assets
Pendapatan operasional lainnya 548,765 320,765 Other operating income
Pemulihan penyisihan kerugian penurunan nilai Recovery of impairment loss
Pemulihan penyisihan kerugian penurunan nilai aset keuangan Recovery of impairment loss of financial assets
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - sewa pembiayaan Recovery of impairment loss of financial assets finance lease
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - piutang pembiayaan konsumen Recovery of impairment loss of financial assets consumer financing receivables
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan Recovery of impairment loss of non-financial assets
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan - agunan yang diambil alih 2,839 Recovery of impairment loss of non-financial assets repossessed collaterals
Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi 3,142 Recovery of estimated loss of commitments and contingency
Pembentukan kerugian penurunan nilai Allowances for impairment losses
Pembentukan penyisihan kerugian penurunan nilai aset produktif ( 393,590 ) ( 699,954 ) Allowances for impairment losses on earnings assets
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif ( 11 ) Allowances for impairment losses on non-earnings assets
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi ( 934 ) Reversal (expense) of estimated losses on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi ( 549,762 ) ( 508,202 ) General and administrative expenses
Beban penjualan Selling expenses
Beban sewa, pemeliharaan, dan perbaikan Rent, maintenance and improvement expenses
Beban provisi dan komisi Other fees and commissions expenses
Beban operasional lainnya ( 948,941 ) ( 813,708 ) Other operating expenses
Jumlah laba operasional 997,230 795,487 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional ( 82,873 ) 19,846 Non-operating income
Beban bukan operasional Non-operating expenses
Bagian atas laba (rugi) entitas asosiasi yang dicatat dengan menggunakan metode ekuitas 17,800 12,815 Share of profit (loss) of associates accounted for using equity method
Bagian atas laba (rugi) entitas ventura bersama yang dicatat menggunakan metode ekuitas Share of profit (loss) of joint ventures accounted for using equity method
Jumlah laba (rugi) sebelum pajak penghasilan 932,157 828,148 Total profit (loss) before tax
Pendapatan (beban) pajak ( 191,955 ) ( 168,358 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang dilanjutkan 740,202 659,790 Total profit (loss) from continuing operations
Laba (rugi) dari operasi yang dihentikan Profit (loss) from discontinued operations
Jumlah laba (rugi) 740,202 659,790 Total profit (loss)
Pendapatan komprehensif lainnya, setelah pajak Other comprehensive income, after tax
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak Other comprehensive income that will not be reclassified to profit or loss, after tax
Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil revaluasi aset tetap, setelah pajak 7,026 152 Other comprehensive income for gains (losses) on revaluation of property and equipment, after tax
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, setelah pajak Other comprehensive income for remeasurement of defined benefit obligation, after tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak Other adjustments to other comprehensive income that will not be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, setelah pajak 7,026 152 Total other comprehensive income that will not be reclassified to profit or loss, after tax
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak Other comprehensive income that may be reclassified to profit or loss, after tax
Keuntungan (kerugian) selisih kurs penjabaran, setelah pajak Gains (losses) on exchange differences on translation, after tax
Penyesuaian reklasifikasi selisih kurs penjabaran, setelah pajak Reclassification adjustments on exchange differences on translation, after tax
Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan melalui penghasilan komprehensif lain, setelah pajak ( 19,537 ) 25,932 Unrealised gains (losses) on changes in fair value through other comprehensive income financial assets, after tax
Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui pendapatan komprehensif lainnya, setelah pajak Reclassification adjustments on fair value through other comprehensive income financial assets, after tax
Keuntungan (kerugian) lindung nilai arus kas, setelah pajak Gains (losses) on cash flow hedges, after tax
Penyesuaian reklasifikasi atas lindung nilai arus kas, setelah pajak Reclassification adjustments on cash flow hedges, after tax
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan besar terjadi yang dilindung nilai, setelah pajak Carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged on highly probable forecast transaction, adjusted from equity, after tax
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar negeri, setelah pajak Gains (losses) on hedges of net investments in foreign operations, after tax
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan usaha luar negeri, setelah pajak Reclassification adjustments on hedges of net investments in foreign operations, after tax
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang dicatat dengan menggunakan metode ekuitas, setelah pajak ( 263 ) ( 284 ) Share of other comprehensive income of associates accounted for using equity method, after tax
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama yang dicatat dengan menggunakan metode ekuitas, setelah pajak Share of other comprehensive income of joint ventures accounted for using equity method, after tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak Other adjustments to other comprehensive income that may be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, setelah pajak ( 19,800 ) 25,648 Total other comprehensive income that may be reclassified to profit or loss, after tax
Jumlah pendapatan komprehensif lainnya, setelah pajak ( 12,774 ) 25,800 Total other comprehensive income, after tax
Jumlah laba rugi komprehensif 727,428 685,590 Total comprehensive income
Laba (rugi) yang dapat diatribusikan Profit (loss) attributable to
Laba (rugi) yang dapat diatribusikan ke entitas induk 687,208 589,522 Profit (loss) attributable to parent entity
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali 52,994 70,268 Profit (loss) attributable to non-controlling interests
Laba rugi komprehensif yang dapat diatribusikan Comprehensive income attributable to
Laba rugi komprehensif yang dapat diatribusikan ke entitas induk 677,045 624,148 Comprehensive income attributable to parent entity
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali 50,383 61,442 Comprehensive income attributable to non-controlling interests
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar diatribusikan kepada pemilik entitas induk Basic earnings per share attributable to equity owners of the parent entity
Laba (rugi) per saham dasar dari operasi yang dilanjutkan 28.53 24.47 Basic earnings (loss) per share from continuing operations
Laba (rugi) per saham dasar dari operasi yang dihentikan Basic earnings (loss) per share from discontinued operations
Laba (rugi) per saham dilusian Diluted earnings (loss) per share
Laba (rugi) per saham dilusian dari operasi yang dilanjutkan 28.53 24.47 Diluted earnings (loss) per share from continuing operations
Laba (rugi) per saham dilusian dari operasi yang dihentikan Diluted earnings (loss) per share from discontinued operations
Page 6
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas
Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 2,408,765 3,440,707 ( 610 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 2,408,765 3,440,707 ( 610 )
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 2,408,765 3,440,707 ( 610 )
Page 7
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas
Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 2,408,765 3,440,707 ( 610 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 2,408,765 3,440,707 ( 610 )
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 2,408,765 3,440,707 ( 610 )
Page 8
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement of cash flows
2024-03-31 2023-03-31
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas operasi Cash flows from operating activities
Arus kas sebelum perubahan dalam aset dan liabilitas operasi Cash flows before changes in operating assets and liabilities
Penerimaan bunga, hasil investasi, provisi, dan komisi 3,563,098 3,561,714 Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi ( 1,537,301 ) ( 1,342,175 ) Payments Of Interest And Bonus Fees And Commissions
Bunga bank dan deposito berjangka Interest from banks and time deposits
Penerimaan pendapatan pengelolaan dana sebagai mudharib Revenue receipts from fund management as mudharib
Pembayaran bagi hasil dana syirkah temporer Payments of temporary syirkah funds
Penerimaan premi asuransi Receipts from insurance premiums
Penerimaan klaim reasuransi Receipts from reinsurance claims
Penerimaan (pembayaran) komisi Receipts (payments) of commission
Penerimaan klaim retrosesi Receipts from retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari (pembayaran kepada) lembaga kliring dan penjaminan Receipts from (payments to) clearing and guarantee institution
Penerimaan dari (pembayaran kepada) nasabah Receipts from (payments to) customers
Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan Withdrawal (placement) of deposits to clearing and guarantee institution
Pendapatan dari transaksi operasional lainnya 611,590 620,937 Income from other operating transactions
Penerimaan kembali aset yang telah dihapusbukukan Recoveries of written off assets
Pembayaran biaya akuisisi ditangguhkan Payments for deferred acquisition costs
Pembayaran atas beban keuangan dan beban administrasi bank Payments of finance costs and bank administration charges
Pembayaran gaji dan tunjangan Payments for salaries and allowances
Pembayaran pajak penghasilan badan Payments for corporate income tax
Pembayaran beban umum dan administrasi Payments for general and administrative expense
Laba (rugi) selisih kurs 42,232 18,303 Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan ( 173,979 ) ( 99,046 ) Refunds (payments) of income tax
Pembayaran beban operasional lainnya ( 1,495,440 ) ( 1,163,224 ) Payments for other operating expenses
Penerimaan pendapatan non-operasional ( 84,541 ) 19,996 Receipts from non-operating income
Pengembalian (penempatan) uang jaminan Repayment (placement) of refundable deposits
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi Other cash inflows (outflows) from operating activities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan pada bank lain dan Bank Indonesia ( 149,945 ) Decrease (increase) in placements with other banks and Bank Indonesia
Penurunan (kenaikan) efek yang diperdagangkan ( 3,846,164 ) ( 228,500 ) Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali 4,827,120 9,127,968 Decrease (increase) in securities purchased under resale agreements
Penurunan (kenaikan) investasi pemegang polis pada kontrak unit-linked Decrease (increase) in investment of policyholder in unit-linked contracts
Penurunan (kenaikan) wesel ekspor dan tagihan lainnya Decrease (increase) in bills and other receivables
Penurunan (kenaikan) tagihan akseptasi Decrease (increase) in acceptance receivables
Penurunan (kenaikan) pinjaman yang diberikan 2,804,012 ( 1,191,231 ) Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen ( 465,644 ) ( 525,446 ) Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa ( 27,488 ) ( 103,556 ) Decrease (increase) in lease investments
Penurunan (kenaikan) tagihan anjak piutang Decrease (increase) in factoring
Penurunan (kenaikan) piutang dan pembiayaan syariah Decrease (increase) in sharia financing and receivables
Penurunan (kenaikan) piutang murabahah Decrease (increase) in murabahah receivables
Penurunan (kenaikan) piutang istishna Decrease (increase) in istishna receivables
Penurunan (kenaikan) piutang ijarah Decrease (increase) in ijarah receivables
Penurunan (kenaikan) pinjaman qardh Decrease (increase) in qardh funds
Penurunan (kenaikan) pembiayaan mudharabah Decrease (increase) in mudharabah financing
Penurunan (kenaikan) pembiayaan musyarakah Decrease (increase) in musyarakah financing
Penurunan (kenaikan) aset ijarah Decrease (increase) in ijarah assets
Penurunan (kenaikan) piutang lainnya 4,673 ( 1,129 ) Decrease (increase) in other receivables
Penurunan (kenaikan) agunan yang diambil alih Decrease (increase) in foreclosed assets
Penurunan (kenaikan) tagihan derivatif Decrease (increase) in derivative receivables
Penurunan (kenaikan) aset reasuransi Decrease (increase) in reinsurance assets
Penurunan (kenaikan) aset lainnya ( 381,638 ) ( 62,454 ) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera 83,424 120,965 Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah ( 1,592,990 ) 1,229,402 Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah ( 2,124,369 ) ( 1,984,679 ) Increase (decrease) in customers time deposits
Kenaikan (penurunan) giro wadiah simpanan nasabah Increase (decrease) in customers wadiah demand deposits
Kenaikan (penurunan) tabungan wadiah simpanan nasabah Increase (decrease) in customers wadiah saving deposits
Kenaikan (penurunan) deposito wakalah simpanan nasabah Increase (decrease) in customers wakalah deposits
Kenaikan (penurunan) simpanan dari bank lain 1,148,464 ( 2,493,953 ) Increase (decrease) in other banks saving deposits
Kenaikan (penurunan) giro mudharabah Increase (decrease) in mudharabah current account
Kenaikan (penurunan) tabungan mudharabah Increase (decrease) in mudharabah savings deposits
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali 2,584,184 ( 2,408,299 ) Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi 1,269 ( 611 ) Increase (decrease) in acceptance payables
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked Increase (decrease) in liabilities to policyholder on unit-linked contracts
Kenaikan (penurunan) liabilitas derivatif Increase (decrease) in derivative payables
Kenaikan (penurunan) dana syirkah temporer 681,429 1,008,820 Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya 38,336 ( 42,405 ) Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi 4,660,277 3,911,452 Total net cash flows received from (used in) operating activities
Arus kas dari aktivitas investasi Cash flows from investing activities
Penerimaan dari penyertaan saham dalam klasifikasi biaya perolehan diamortisasi dan nilai wajar melalui pendapatan komprehensif lainnya Proceeds from equity investments classified as amortized cost and fair value through other comprehensive income
Pencairan (penempatan) obligasi dan (atau) sukuk Withdrawal (placement) of bonds and (or) sukuk
Penerimaan dividen dari aktivitas investasi Dividends received from investing activities
Penerimaan dari penjualan (perolehan) properti investasi Proceeds from disposal (acquisition) of investment properties
Penerimaan dari penjualan (perolehan) aset tetap ( 51,038 ) ( 19,004 ) Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill ( 29,202 ) ( 50,061 ) Proceeds from disposal (acquisition) of intangible assets other than goodwill
Pencairan (penempatan) aset keuangan nilai wajar melalui pendapatan komprehensif lainnya Withdrawal (placement) of financial assets fair value through other comprehensive income
Penempatan aset keuangan biaya perolehan diamortisasi Placement of financial assets amotized cost investments
Pencairan aset keuangan biaya perolehan diamortisasi Withdrawal of financial assets amortized cost investments
Penerimaan dari (pembayaran kepada) pinjaman polis Receipts from (payments for) policy loans
Pembayaran untuk perolehan entitas anak Payments for acquisition of subsidiaries
Penerimaan dari pelepasan entitas anak Proceeds from sales of subsidiaries
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak Payments for acquisition of additional interests in subsidiaries
Pencairan (penempatan) efek-efek yang diperdagangkan ( 4,909,450 ) 1,667,991 Withdrawal (placement) of marketable securities
Penerimaan dari pelepasan kepentingan di entitas anak tanpa hilangnya pengendalian dari kegiatan investasi Proceeds from sales of interests in subsidiaries without loss of control from investing activities
Pembayaran untuk perolehan kepemilikan pada entitas asosiasi Payments for acquisition of interests in associates
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi Proceeds from sales of interests in associates
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi ( 4,989,690 ) 1,598,926 Total net cash flows received from (used in) investing activities
Arus kas dari aktivitas pendanaan Cash flows from financing activities
Kenaikan (penurunan) efek yang diterbitkan Increase (decrease) in securities issued
Penerbitan sukuk mudharabah Issuance of mudharabah sukuk
Penempatan sertifikat investasi mudharabah Placement of certificate of mudharabah investments
Biaya emisi sukuk mudharabah Issuance cost of mudharabah sukuk
Penerimaan pinjaman yang diterima 950,000 2,065,978 Proceeds from borrowings
Pembayaran pinjaman yang diterima ( 604,602 ) ( 763,557 ) Payments for borrowings
Penerimaan pinjaman subordinasi Proceeds from subordinated loans
Pembayaran pinjaman subordinasi Payments of subordinated loans
Pembayaran bunga pinjaman Payments of interests from borrowings
Penerimaan dari penerbitan obligasi Proceeds from bonds issuance
Pembayaran utang obligasi ( 3,900,000 ) Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan Subordinated bonds issued
Pembayaran obligasi subordinasi ( 2,400,000 ) Payments of subordinated bonds
Biaya emisi obligasi subordinasi yang diterbitkan Subordinated bonds issuance costs
Penerimaan dari surat utang jangka menengah Proceeds from medium term notes
Pembayaran dari surat utang jangka menengah Payments of medium term notes
Penerimaan dari penerbitan saham baru Proceeds from issuance of new stocks
Pembayaran biaya emisi saham Payments of stock issuance costs
Penerimaan setoran modal Proceeds from capital contributions
Penerimaan dari penambahan kepemilikan dari non-pengendali Proceed from increase of non-controlling interest
Penjualan (pembelian) dari saham tresuri Sales (purchase) of treasury stocks
Penerimaan dari program opsi saham karyawan Proceeds from employee stock options program
Penyelesaian (penempatan) transaksi derivatif Settlement (placement) of derivative transactions
Pembayaran dividen dari aktivitas pendanaan Dividends paid from financing activities
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan ( 16,146 ) ( 27,847 ) Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan ( 2,070,748 ) ( 2,625,426 ) Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas ( 2,400,161 ) 2,884,952 Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode 16,504,062 17,353,469 Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas 39,417 ( 359,137 ) Effect of exchange rate changes on cash and cash equivalents
Kas dan setara kas dari entitas anak yang didekonsolidasikan Cash and cash equivalent of deconsolidated subsidiaries
Kenaikan (penurunan) kas dan setara kas lainnya Other increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, akhir periode 14,143,318 19,879,284 Cash and cash equivalents cash flows, end of the period
Page 9
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies
2024-03-31
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Basis of preparation of consolidated financial statements
Prinsip-prinsip konsolidasi Principles of consolidation
Kas dan setara kas Cash and cash equivalents
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Foreign currency translation
Transaksi dengan pihak berelasi Transactions with related parties
Pajak penghasilan Income taxes
Pinjaman Borrowings
Provisi Provisions
Imbalan kerja karyawan Employee benefits
Laba per saham Earnings per share
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru The implementation of new statements of accounting standards
Kombinasi bisnis Business combination
Penentuan nilai wajar Determination of fair value
Transaksi dan saldo dalam mata uang asing Foreign currency transactions and balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Efek-efek Securities
Page 10
Investasi jangka pendek Short-term investment Aset hak guna Right of use assets Properti investasi Investment properties Goodwill Goodwill Investasi pada entitas asosiasi Investment in associates Aset takberwujud Intangible assets Beban dibayar dimuka Prepaid expenses Piutang dan utang asuransi Insurance receivables and payables Piutang pembiayaan konsumen Consumer financing receivables Liabilitas atas kontrak Contract liabilities Simpanan nasabah dan simpanan dari bank lain Deposits from customers and deposits from other banks Obligasi subordinasi Subordinated bonds Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell agreements Saham treasuri Treasury stock Modal saham Share capital Pengaturan pembayaran berbasis saham Share-based payment arrangement Biaya emisi efek ekuitas Stock issuance cost Instrumen keuangan Financial instruments Aset tidak lancar yang diklasifikasikan sebagai dimiliki untuk dijual Non-current assets classified as held for sale Peristiwa setelah tanggal periode pelaporan Events after reporting period Penerapan standar akuntansi baru Adoption of new accounting standards Standar akuntansi yang telah disahkan namun belum berlaku efektif Accounting standards issued but not yet effective Utang pembiayaan konsumen Consumer financing liabilities
Page 11
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan, kotor Tanah, dimiliki langsung 5,769,774 0 (0) ( 82,609 ) 0 5,687,165 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 3,519,262 1,914 ( 1,242 ) ( 110,330 ) 0 3,409,604 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 831,267 46,382 ( 47 ) 0 0 877,602 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 220,855 3,243 ( 5,562 ) 0 0 218,536 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 10,341,158 51,539 ( 6,851 ) ( 192,939 ) 0 10,192,907 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 213,339 45,797 ( 19,325 ) 0 239,811 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 10,019 1,440 ( 2,109 ) 0 9,350 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 5,925 1,375 (0) 0 7,300 Others, right of use assets
Aset hak guna 229,283 48,612 ( 21,434 ) 0 256,461 Right of use assets
Bangunan, dalam penyelesaian 30,049 4,866 (0) ( 17,894 ) 0 17,021 Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 30,049 4,866 (0) ( 17,894 ) 0 17,021 Assets under construction
Aset tetap 10,600,490 105,017 ( 28,285 ) ( 210,833 ) 0 10,466,389 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 286,189 34,910 ( 1,242 ) ( 8,923 ) 0 310,934 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 154,576 37,918 ( 16 ) 0 0 192,478 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 50,461 9,370 ( 1,894 ) 0 0 57,937 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 491,226 82,198 ( 3,152 ) ( 8,923 ) 0 561,349 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 102,140 25,683 ( 19,361 ) 0 108,462 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 3,599 1,709 ( 2,110 ) 0 3,198 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 1,381 411 (0) 0 1,792 Others, right of use assets
Aset hak guna 107,120 27,803 ( 21,471 ) 0 113,452 Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 598,346 110,001 ( 24,623 ) ( 8,923 ) 0 674,801 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 10,002,144 ( 4,984 ) ( 3,662 ) ( 201,910 ) 0 9,791,588 Property, plant, and equipment Carrying amount
Page 12
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry - Prior Year
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan, kotor Tanah, dimiliki langsung 5,764,479 1,870 (0) ( 1,504 ) 4,929 5,769,774 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 3,509,719 8,824 ( 6,875 ) 6,120 1,474 3,519,262 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 713,714 130,180 ( 12,627 ) 0 0 831,267 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 209,889 16,315 ( 5,349 ) 0 0 220,855 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 10,197,801 157,189 ( 24,851 ) 4,616 6,403 10,341,158 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 214,545 79,102 ( 83,667 ) 3,359 213,339 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 7,572 4,130 ( 1,683 ) 0 10,019 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 5,925 0 (0) 0 5,925 Others, right of use assets
Aset hak guna 228,042 83,232 ( 85,350 ) 3,359 229,283 Right of use assets
Bangunan, dalam penyelesaian 33,587 2,646 (0) ( 6,184 ) 0 30,049 Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 33,587 2,646 (0) ( 6,184 ) 0 30,049 Assets under construction
Aset tetap 10,459,430 243,067 ( 110,201 ) 1,791 6,403 10,600,490 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 155,605 141,540 ( 2,693 ) 0 ( 8,263 ) 286,189 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 30,579 132,329 ( 8,332 ) 0 0 154,576 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 15,214 36,921 ( 1,674 ) 0 0 50,461 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 201,398 310,790 ( 12,699 ) 0 ( 8,263 ) 491,226 Directly owned
Mesin, aset hak guna Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna 79,203 99,042 ( 76,105 ) 0 102,140 Building, right of use assets
Perabot dan peralatan kantor, aset hak guna Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 1,697 3,519 ( 1,617 ) 0 3,599 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 196 1,185 (0) 0 1,381 Others, right of use assets
Aset hak guna 81,096 103,746 ( 77,722 ) 0 107,120 Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian Assets under construction
Aset tetap 282,494 414,536 ( 90,421 ) 0 ( 8,263 ) 598,346 Property, plant, and equipment
Aset tetap Property, plant, and equipment
Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan Aset tetap 10,176,936 ( 171,469 ) ( 19,780 ) 1,791 14,666 10,002,144 Property, plant, and equipment Carrying amount
Page 13
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
2024-03-31
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and equipment
Page 14
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
2024-03-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by ec
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Rupiah Perindustrian 20,145,331 725,314 29,982 1,377 220,179 21,122,183 Rupiah Manufacturing Rupiah Perindustrian 19,346,301 686,291 26,537 2,977 216,001 20,278,107 Rupiah
Perdagangan, restoran dan hotel 24,618,670 1,567,604 44,649 396,457 886,582 27,513,962 Trading, restaurants and hotels Perdagangan, restoran dan hotel 24,769,053 1,406,640 64,393 371,443 1,040,038 27,651,567 Trading, r
Pertanian 1,251,420 8,380 416 9,254 349,164 1,618,634 Agriculture Pertanian 1,299,350 17,399 0 2,532 349,660 1,668,941
Jasa dunia usaha 23,846,159 324,097 0 1,126 436,501 24,607,883 Business services Jasa dunia usaha 22,862,728 307,110 192 1,729 441,512 23,613,271
Konstruksi 8,007,220 3,561,605 2,545 12,655 162,407 11,746,432 Construction Konstruksi 7,775,808 3,660,569 13,500 21,746 145,397 11,617,020
Pengangkutan, pergudangan dan komunikasi 3,697,259 1,979,981 3,632 210 345,566 6,026,648 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 3,696,414 1,940,897 2,397 31,055 326,370 5,997,133 Transportation, warehousing
Listrik, gas dan air 641,752 670,723 0 0 11,836 1,324,311 Electricity, gas and water Listrik, gas dan air 988,543 673,701 0 0 11,986 1,674,230
Jasa sosial 437,924 9,044 0 396 0 447,364 Social services Jasa sosial 708,941 8,539 0 0 0 717,480
Pertambangan 138,912 366,346 93 34,490 101,787 641,628 Mining Pertambangan 530,020 40,729 0 0 101,923 672,672
Properti 5,481,359 2,454,986 12,333 0 387,582 8,336,260 Property Properti 9,960,270 1,972,912 0 0 409,405 12,342,587
Lain-lain 25,904,638 1,271,445 124,492 116,935 551,873 27,969,383 Other sectors Lain-lain 25,187,572 1,164,392 103,579 94,575 496,133 27,046,251
Subjumlah Pinjaman berdasarkan sektor ekonomi 114,170,644 12,939,525 218,142 572,900 3,453,477 131,354,688 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 117,125,000 11,879,179 210,598 526,057 3,538,425 133,279,259 Subtotal Loan
Mata uang asing Perindustrian 1,838,013 0 0 0 0 1,838,013 Foreign currencies Manufacturing Mata uang asing Perindustrian 1,893,507 0 0 0 0 1,893,507 Foreign currencies
Perdagangan, restoran dan hotel 821,345 0 0 0 0 821,345 Trading, restaurants and hotels Perdagangan, restoran dan hotel 803,212 0 0 0 0 803,212 Trading, r
Pertanian 299,318 0 0 0 0 299,318 Agriculture Pertanian 769,850 0 0 0 0 769,850
Jasa dunia usaha 3,373 0 0 0 0 3,373 Business services Jasa dunia usaha 309,896 0 0 0 0 309,896
Konstruksi 19,187 0 0 0 0 19,187 Construction Konstruksi 18,981 0 0 0 0 18,981
Pengangkutan, pergudangan dan komunikasi 327,304 0 0 0 0 327,304 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 390,250 0 0 0 0 390,250 Transportation, warehousing
Listrik, gas dan air 676,669 122,566 0 0 0 799,235 Electricity, gas and water Listrik, gas dan air 682,411 119,374 0 0 0 801,785
Jasa sosial 0 0 0 0 0 0 Social services Jasa sosial 0 0 0 0 0 0
Pertambangan 0 0 0 59,372 0 59,372 Mining Pertambangan 0 57,657 0 0 0 57,657
Properti 1,393,932 0 0 0 0 1,393,932 Property Properti 1,116,725 260,019 0 0 0 1,376,744
Lain-lain 0 0 0 0 0 0 Other sectors Lain-lain 0 0 0 0 0 0
Subjumlah Pinjaman berdasarkan sektor ekonomi 5,379,141 122,566 0 59,372 0 5,561,079 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 5,984,832 437,050 0 0 0 6,421,882 Subtotal Loan
2024-03-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 119,549,785 13,062,091 218,142 632,272 3,453,477 136,915,767 Subtotal on all Currencies Subtotal Loans by economic sector Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 123,109,832 12,316,229 210,598 526,057 3,538,425 139,701,141 Subtotal on all Currencies
2024-03-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector
Jumlah pinjaman, kotor 119,549,785 13,062,091 218,142 632,272 3,453,477 136,915,767 Total loans, gross Jumlah pinjaman, kotor 123,109,832 12,316,229 210,598 526,057 3,538,425 139,701,141 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 1,128,241 ) ( 3,556,412 ) ( 81,319 ) ( 499,052 ) ( 3,138,097 ) ( 8,403,121 ) Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 1,158,652 ) ( 3,492,915 ) ( 69,522 ) ( 452,086 ) ( 3,029,693 ) ( 8,202,868 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 118,421,544 9,505,679 136,823 133,220 315,380 128,512,646 Total loans, net Jumlah pinjaman, bersih 121,951,180 8,823,314 141,076 73,971 508,732 131,498,273 Total loans, net
Page 15
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information
2024-03-31 2023-12-31
Informasi penting lainnya Loans other information
Tingkat suku bunga rata-rata (yield) dan kisaran bagi hasil per tahun Annual average yield rate and indicative profit sharing
Tingkat suku bunga rata-rata per tahun Annual yield rate
Tingkat suku bunga rata-rata per tahun rupiah 9.30 9.65 Annual yield rate of rupiah loans
Tingkat suku bunga rata-rata per tahun mata uang asing 5.74 5.63 Annual yield rate of foreign currencies loans
Kisaran bagi hasil per tahun Annual indicative profit sharing
Kisaran bagi hasil per tahun piutang murabahan dan istishna Indicative profit sharing of murabahah and istishna receivables
Kisaran bagi hasil per tahun pembiayaan musyarakah Indicative profit sharing of musyarakah financing
Kisaran bagi hasil per tahun pembiayaan syariah lainnya Indicative profit sharing of other sharia financing
Cadangan kerugian penurunan nilai Movement of allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, awal periode 8,202,868 6,608,717 Allowance for impairment of losses, beginning period
Pembentukan selama tahun berjalan 269,342 2,347,482 Provision during the year of allowance for impairment losses on loans
Penghapusbukuan ( 35,519 ) ( 684,007 ) Writing off of allowance for impairment losses on loans
Pemulihan pinjaman yang telah dihapusbukukan Recoveries of written-off of allowance for impairment losses on loans
Cadangan lain-lain ( 40,603 ) ( 70,779 ) Others allowance for impairment losses on loans
Dampak selisih akibat perbedaan kurs terhadap cadangan kerugian penurunan nilai pinjaman diberikan 7,033 1,455 Foreign exchange translation impact on allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, akhir periode 8,403,121 8,202,868 Allowance for impairment of losses, ending period
Rasio pinjaman Loan ratios
Non-performing financing - gross 3.17 3.09 Non-performing financing - gross
Non-performing financing - net 0.49 0.57 Non-performing financing - net
Page 16
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
2024-03-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Pihak berelasi Rupiah 129,928 Rupiah Related parties Current accounts Giro Pihak berelasi Rupiah 127,313 Rupiah Related parties Current accounts
Mata uang asing 65,266 Foreign currencies Mata uang asing 58,756 Foreign currencies
Subjumlah Seluruh Mata Uang 195,194 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 186,069 Subtotal on all Currencies
Pihak ketiga Rupiah 8,489,554 Rupiah Third parties Pihak ketiga Rupiah 8,602,973 Rupiah Third parties
Mata uang asing 2,568,586 Foreign currencies Mata uang asing 2,932,374 Foreign currencies
Subjumlah Seluruh Mata Uang 11,058,140 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 11,535,347 Subtotal on all Currencies
Giro wadiah Pihak berelasi Rupiah 0 Rupiah Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah 0 Rupiah Related parties Wadiah demand deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 364,469 Rupiah Third parties Pihak ketiga Rupiah 286,158 Rupiah Third parties
Mata uang asing 2,870 Foreign currencies Mata uang asing 3,080 Foreign currencies
Subjumlah Seluruh Mata Uang 367,339 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 289,238 Subtotal on all Currencies
2024-03-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 11,253,334 Subtotal on all Currencies Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 11,721,416 Subtotal on all Currencies Subtotal on all Parties Current accounts
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 367,339 Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 289,238 Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
Page 17
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
2024-03-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Pihak berelasi Rupiah 115,424 Rupiah Related parties Savings deposits Tabungan Pihak berelasi Rupiah 179,056 Rupiah Related parties Savings deposits
Mata uang asing 390,625 Foreign currencies Mata uang asing 383,881 Foreign currencies
Subjumlah Seluruh Mata Uang 506,049 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 562,937 Subtotal on all Currencies
Pihak ketiga Rupiah 43,981,236 Rupiah Third parties Pihak ketiga Rupiah 44,107,514 Rupiah Third parties
Mata uang asing 6,357,057 Foreign currencies Mata uang asing 6,464,079 Foreign currencies
Subjumlah Seluruh Mata Uang 50,338,293 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 50,571,593 Subtotal on all Currencies
Tabungan wadiah Pihak berelasi Rupiah 0 Rupiah Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah 0 Rupiah Related parties Wadiah savings deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 1,315,899 Rupiah Third parties Pihak ketiga Rupiah 2,228,720 Rupiah Third parties
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 1,315,899 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 2,228,720 Subtotal on all Currencies
2024-03-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 50,844,342 Subtotal on all Currencies Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 51,134,530 Subtotal on all Currencies Subtotal on all Parties Savings deposits
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 1,315,899 Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 2,228,720 Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
Page 18
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
2024-03-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Pihak berelasi Rupiah 528,317 Rupiah Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah 642,930 Rupiah Related parties Time deposits
Mata uang asing 88,048 Foreign currencies Mata uang asing 85,993 Foreign currencies
Subjumlah Seluruh Mata Uang 616,365 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 728,923 Subtotal on all Currencies
Pihak ketiga Rupiah 64,717,673 Rupiah Third parties Pihak ketiga Rupiah 66,820,644 Rupiah Third parties
Mata uang asing 2,257,170 Foreign currencies Mata uang asing 2,166,010 Foreign currencies
Subjumlah Seluruh Mata Uang 66,974,843 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 68,986,654 Subtotal on all Currencies
Deposito wakalah Pihak berelasi Rupiah 0 Rupiah Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah 0 Rupiah Related parties Wakalah deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 0 Rupiah Third parties Pihak ketiga Rupiah 0 Rupiah Third parties
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
2024-03-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 67,591,208 Subtotal on all Currencies Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 69,715,577 Subtotal on all Currencies Subtotal on all Parties Time deposits
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
Page 19
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
2024-03-31
Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds
Tingkat bunga giro Rupiah 0.0151 Rupiah Current accounts interest rate Tingkat bunga giro Rupiah 0.0146 Rupiah Current accounts interest rate
Mata uang asing 0.0009 Foreign currencies Mata uang asing 0.0008 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil giro wadiah Rupiah 0.0206 Rupiah Wadiah demand deposits return Imbal hasil giro wadiah Rupiah 0.008 Rupiah Wadiah demand deposits return
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga tabungan Rupiah 0.007 Rupiah Savings deposits interest rate Tingkat bunga tabungan Rupiah 0.0072 Rupiah Savings deposits interest rate
Mata uang asing 0.0012 Foreign currencies Mata uang asing 0.0012 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil tabungan wadiah Rupiah 0.0556 Rupiah Wadiah savings deposits return Imbal hasil tabungan wadiah Rupiah 0.0502 Rupiah Wadiah savings deposits return
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bunga deposito berjangka Rupiah 0.0438 Rupiah Time deposits interest rate Tingkat bunga deposito berjangka Rupiah 0.0423 Rupiah Time deposits interest rate
Mata uang asing 0.0034 Foreign currencies Mata uang asing 0.0017 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Imbal hasil deposito wakalah Rupiah 0 Rupiah Wakalah deposits return Imbal hasil deposito wakalah Rupiah 0 Rupiah Wakalah deposits return
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Page 20
[4625100_BD] Notes to the financial statements - Temporary syirkah funds (breakdown) - Financial and Sharia Industry
2024-03-31
Dana syirkah temporer Temporary syirkah funds Dana syirkah temporer Temporary syirkah funds
Jumlah Giro mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah demand deposits Jumlah Giro mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah demand deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 0 Rupiah Third parties Pihak ketiga Rupiah 0 Rupiah Third parties
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Jumlah Tabungan mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah savings deposits Jumlah Tabungan mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah savings deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 458,302 Rupiah Third parties Pihak ketiga Rupiah 416,791 Rupiah Third parties
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 458,302 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 416,791 Subtotal on all Currencies
Jumlah Deposito berjangka mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah time deposits Jumlah Deposito berjangka mudharabah Pihak berelasi Rupiah 0 Rupiah Related parties Total Mudharabah time deposits
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies
Pihak ketiga Rupiah 10,770,923 Rupiah Third parties Pihak ketiga Rupiah 10,130,952 Rupiah Third parties
Mata uang asing 734 Foreign currencies Mata uang asing 787 Foreign currencies
Subjumlah Seluruh Mata Uang 10,771,657 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 10,131,739 Subtotal on all Currencies
2024-03-31
Dana syirkah temporer Temporary syirkah funds Dana syirkah temporer Temporary syirkah funds
Jumlah Giro mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah demand deposits Jumlah Giro mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 0 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah demand deposits
Jumlah Tabungan mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 458,302 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah savings deposits Jumlah Tabungan mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 416,791 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah savings deposits
Jumlah Deposito berjangka mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 10,771,657 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah time deposits Jumlah Deposito berjangka mudharabah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 10,131,739 Subtotal on all Currencies Subtotal on all Parties Total Mudharabah time deposits
Page 21
[4626100] Notes to the financial statements - Annual average interest rate Temporary Syirkah Fund - Financial and Sharia Industry
2024-03-31
Tingkat bagi hasil rata-rata per tahun dana syirkah temporer Annual average interest rate temporary syirkah funds Tingkat bagi hasil rata-rata per tahun dana syirkah temporer Annual average interest rate temporary syirkah funds
Tingkat bagi hasil giro mudharabah Rupiah 0 Rupiah Mudharabah demand deposits interest rate Tingkat bagi hasil giro mudharabah Rupiah 0 Rupiah Mudharabah demand deposits interest rate
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bagi hasil tabungan mudharabah Rupiah 0.0344 Rupiah Mudharabah savings deposits interest rate Tingkat bagi hasil tabungan mudharabah Rupiah 0.0315 Rupiah Mudharabah savings deposits interest rate
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Tingkat bagi hasil deposito berjangka mudharabah Rupiah 0.0617 Rupiah Mudharabah time deposits interest rate Tingkat bagi hasil deposito berjangka mudharabah Rupiah 0.057 Rupiah Mudharabah time deposits interest rate
Mata uang asing 0 Foreign currencies Mata uang asing 0 Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Page 22
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
2024-03-31 2023-03-31
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga Interest income
Kredit yang diberikan 2,655,454 2,602,010 Loans interest income
Obligasi pemerintah 579,097 475,998 Government bonds interest income
Pendapatan pembiayaan konsumen 333,469 292,644 Consumer financing receivables - net interest income
Efek-efek 110,403 72,208 Marketable securities income
Penempatan pada Bank Indonesia dan bank lain 66,040 67,005 Placements with Bank Indonesia and other banks income
Lain-lain 45,620 141,270 Other interest income
Subjumlah pendapatan bunga 3,790,083 3,651,135 Subtotal interest income
Pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib Sharia income
Pendapatan keuntungan murabahah dan pendapatan bersih istishna Murabahah and istishna income
Pendapatan bagi hasil musyarakah Musyrakah profit sharing
Pendapatan bagi hasil mudharabah Mudharabah profit sharing
Pendapatan ujrah dari pinjaman qardh Ujrah income from qardh financing
Pendapatan bersih ijarah Ijarah income
Lain-lain Other sharia income
Subjumlah pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib Subtotal sharia income
Jumlah pendapatan bunga dan syariah 3,790,083 3,651,135 Total interest and sharia income
Page 23
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
2024-03-31 2023-03-31
Beban bunga dan syariah Interest and sharia expense
Beban bunga Interest expense
Deposito berjangka 755,171 679,979 Time deposits interest expense
Tabungan 285,098 244,372 Saving deposits interest expense
Pinjaman yang diterima 145,927 35,655 Borrowings interest expense
Premi penjaminan dana pihak ketiga 0 0 Premium on third party fund guarantees
Giro 34,741 32,334 Current accounts interest expense
Efek-efek yang diterbitkan 0 48,984 Securities issued interest expense
Pinjaman dan efek-efek subordinasi 83,692 96,510 Subordinated securities interest expense
Lain-lain 55,412 22,347 Others interest expense interest expense
Subjumlah beban bunga 1,360,041 1,160,181 Subtotal interest expense
Beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Sharia expense
Beban deposito mudharabah 158,063 129,290 Mudharabah deposits expense
Beban tabungan mudharabah 5,030 3,044 Mudharabah savings expense
Beban giro mudharabah Mudharabah demand deposits expense
Beban pinjamam mudharabah Mudharabah financing expense
Beban investasi terikat Related investment expense
Musytarakah - mudharabah musytarakah Musytarakah - mudharabah musytarakah expense
Sertifikat investasi mudharabah antarbank 9,681 6,874 Mudharabah investment certificate expense
Sukuk Sukuk expense
Piutang murabahah Murabahah receivables expense
Pinjaman qardh Qardh fund expense
Lain-lain 1,943 0 Other sharia expense
Subjumlah beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer 174,717 139,208 Subtotal sharia expense
Jumlah beban bunga dan syariah 1,534,758 1,299,389 Total interest and sharia expense
Page 24
[4695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakdown) - Financial and Sharia Industry
2024-03-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Bank Central Asia Tbk IDR 130,940 Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR 168,969 Bank Central Asia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 130,940 Currency Mata uang 0 168,969 Currency
Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Mandiri (Persero) Tbk IDR 886,953 Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR 414,501 Bank Mandiri (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 886,953 Currency Mata uang 0 414,501 Currency
Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Danamon Indonesia Tbk IDR 358,646 Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR 389,896 Bank Danamon Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
Page 25
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 358,646 Currency Mata uang 0 389,896 Currency
Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Maybank Indonesia Tbk IDR 376,975 Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR 417,954 Bank Maybank Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 376,975 Currency Mata uang 0 417,954 Currency
Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Cimb Niaga Tbk IDR 139,367 Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR 234,290 Bank Cimb Niaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 139,367 Currency Mata uang 0 234,290 Currency
Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR 625 Bank OCBC Nisp Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 625 Currency
Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR 463,955 Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR 404,157 Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 463,955 Currency Mata uang 0 404,157 Currency
Pinjaman sindikasi IDR Syndicated bank loans IDR Pinjaman sindikasi IDR Syndicated bank loans IDR
Page 26
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank asing lainnya IDR 222,917 Other foreign banks IDR Bank asing lainnya IDR 185,417 Other foreign banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 222,917 Currency Mata uang 0 185,417 Currency
Bank lokal lainnya IDR 568,965 Other local banks IDR Bank lokal lainnya IDR 587,564 Other local banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 568,965 Currency Mata uang 0 587,564 Currency
2024-03-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Kreditur nama bank Mata uang 0 3,148,718 Creditor bank name Currency Kreditur nama bank Mata uang 0 2,803,373 Creditor bank name Currency
Names mentioned 30 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Syariah Tbk.
p.1
unresolved
org
PT Clipan
p.1
unresolved
org
Kosumen Tbk.
p.1
unresolved
org
Foreign Corporation
p.2
unresolved
org
Imelda & Rekan
p.2 ×2
unresolved
org
Imelda
p.2
unresolved
org
Bank Indonesia
p.3 ×16
unresolved
org
Bank Indonesia Giro
p.3
unresolved
org
Bank Giro
p.4
unresolved
org
Pinjaman Bank Central Asia Tbk
p.24
unresolved
org
Currency Bank Rakyat Indonesia (Persero) Tbk
p.24
unresolved
org
Currency Bank Mandiri (Persero) Tbk
p.24
unresolved
org
Currency Bank Syariah Indonesia Tbk
p.24
unresolved
org
Currency Bank Negara Indonesia (Persero) Tbk
p.24
unresolved
org
Currency Bank Jago Tbk
p.24
unresolved
org
Currency Bank Permata Tbk
p.24
unresolved
org
Currency Bank Mega Tbk
p.24
unresolved
org
Currency Bank Mayapada Internasional Tbk
p.24
unresolved
org
Currency Bank Danamon Indonesia Tbk
p.24
Extraction attempts how the parser did, and what it refused
Nothing structured was extracted from this document — the attempts below say why.
No extraction attempted yet.