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FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF INCOME AND OTHER COMPREHENSIVE STATEMENTS OF COMMITMENTS AND CONTINGENCIES STATEMENT OF CASH FLOWS
As of March 31, 2024 and December 31, 2023 For the Period Ended March 31, 2024 and 2023 As of March 31, 2024 and December 31, 2023 For The Period Ended March 31, 2024 And 2023
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah)
No. DESCRIPTION Mar 31, 2024 Dec 31, 2023 No. DESCRIPTION Mar 31, 2024 Mar 31, 2023 No. DESCRIPTION Mar 31, 2024 Dec 31, 2023 DESCRIPTION Mar 31, 2024 Mar 31, 2023
(Unaudited) (Audited) (Unaudited) (Unaudited) (Unaudited) (Audited) (Unaudited) (Unaudited)
ASSETS OPERATING INCOME AND EXPENSES I. COMMITMENT RECEIVABLES CASH FLOWS FROM OPERATING ACTIVITIES
1. Cash 3,334,989 2,127,489 A. Interest Income and Expenses 1. Unused fund borrowings/financing facilities - - Interest, profit sharing, and margin 7,323,000 6,666,807
2. Placements with Bank Indonesia 34,121,284 48,706,822 2. Outstanding purchase position on spot and derivative/forward 5,289,180 1,878,434 Recoveries from loan debts written-off 140,135 120,323
3. Placements with other banks 3,396,350 2,203,459 1. Interest income 7,672,045 6,675,916 3. Others - - Interest and bonus, fees and commissions paid (4,550,269) (3,732,233)
4. Spot and derivative receivables/forward 70,105 32,176 2. Interest expenses 4,444,916 3,555,240
Corporate income tax paid (279,128) (190,631)
5. Securities 52,195,966 41,199,802 Net interest income (Expenses) 3,227,129 3,120,676 II. COMMITMENT PAYABLES Other operating expenses - net (1,899,856) (1,821,134)
6. Securities sold under repurchase agreements (Repo) 1,927,009 -
1. Unused loan facilities granted to customer Other non-operating expense - net (20,305) (118,633)
7. Securities purchased under resale agreements (Reverse Repo) - - B. Operating Income and Expenses Other than Interest
a. Committed 324,309 127,083 Cash receipts before changes in operating assets and liabilities 713,577 924,499
8. Acceptances receivables 1,332,520 544,567 1. Gain (loss) from increase (decrease) in fair value of financial assets 110,203 99,748 b. Uncommitted 19,606,383 18,806,569
9. Loans 305,107,254 296,583,860 2. Outstanding irrevocable letters of credit 423,429 20,106 Changes in operating assets and liabilities:
2. Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
10. Sharia financing 39,136,783 37,114,281 3. Outstanding sales position on spot and derivative/forward 5,164,029 1,806,505
3. Gain (loss) from sale of financial assets 122,274 99,076 Decrease (increase) in operating assets:
11. Investment in share - - 4. Others 13,896 13,735
4. Gain (Loss) from spot and derivative transaction/forward (realised) 22,838 2,325
12. Others financials assets 13,554,129 12,110,180 Fair value through profit or loss securities (10,866,722) 201,416
5. Gain (Loss) from investment in shares under equity method - -
13. Allowance for impairment on financial assets -/- III. CONTINGENT RECEIVABLES Fair value through profit or loss government bonds (2,351,593) (2,689,721)
6. Gain (Losses) from foreign currencies translation 2,431 (114,420)
a. Securities (698) (22,903) 1. Guarantees received 2,650,622 2,326,998 Acceptance Receivable (787,953) (364,803)
b. Loans and Sharia financing (15,787,046) (15,591,964) 7. Dividend Income - -
2. Others 11,401,288 7,761,202 Derivative Receivable (37,929) 78,228
c. Others (8,657) (25,680) 8. Comissions/provisions/fees and administrative 366,359 312,779
Loans and sharia financing/receivables (11,029,148) (2,448,928)
14. Intangible assets - - 9. Other income 337,358 361,512
IV. CONTINGENT PAYABLES Other assets (1,979,270) (1,339,242)
Accumulated amortisation for intangible assets -/- - - 10. Impairment for financial assets 616,125 750,770
11. Losses related to operational risk - - 1. Guarantees issued 2,863,656 2,579,175
15. Premises and equipment 13,215,637 12,953,746 Increase (decrease) in operating liabilities:
2. Others - -
Accumulated depreciation on premises and equipment -/- (4,966,753) (4,835,934) 12. Salaries and employee benefits 1,019,714 849,293
16. Non earning assets 13. Promotion expenses 143,104 104,487 Current liabilities 1,679,141 879,831
14. Other expenses 1,255,047 1,158,595
a. Abandoned properties 1,410 1,410 STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO Deposits from customer
b. Repossessed assets 77,591 77,591 Demand deposits (8,093,027) 12,989,715
Other Operating Income (Expenses) (2,072,527) (2,102,125) As Of March 31, 2024 And 2023
c. Suspense account - - (in Millions of Rupiah) Wadiah demand deposits 185,933 423,154
d. Inter office assets - - PROFIT (LOSS) FROM OPERATIONS 1,154,602 1,018,551
Savings deposits (1,869,047) (2,605,460)
17. Other assets 7,310,737 5,570,834 NON OPERATING INCOME AND EXPENSES CAPITAL COMPONENTS Mar 31, 2024 Mar 31, 2023 Savings deposits Wadiah 51,918 37,073
(Unaudited) (Unaudited)
1. Gain (loss) from sale of premises and equipment - - Time deposits 16,468,623 (13,729,059)
TOTAL ASSETS 454,018,610 438,749,736 I. CORE CAPITAL (TIER 1) 26,983,968 24,337,411
2. Other non operating income (expenses) (23,512) (4,213) Deposits from other banks 4,043,501 1,193,359
LIABILITIES AND EQUITY 1. Common Equity Tier 1 (CET 1)
26,983,968 24,337,411 Acceptance liabilities 787,953 364,803
PROFIT (LOSS) FROM NON OPERATING (23,512) (4,213)
LIABILITIES 1.1. Paid-in Capital (net of Treasury Stock) 7,017,222 7,017,222 Other liabilities (759,063) (447,311)
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 1,131,090 1,014,338 1.2. Disclosed Reserves 23,170,946 20,169,474 Temporary syirkah funds 821,471 507,109
1. Demand deposits 135,764,768 143,534,817
Income tax expenses 1.2.1 Additional Factor 24,143,136 21,272,497
2. Savings deposits 42,841,540 44,471,995 1.2.1.1 Other comprehensive income 3,565,773 3,508,565
3. Time deposits 179,133,750 161,926,504 a. Estimated current tax -/- (452,616) (193,925) Net Cash provided by (used in) Operating Activities (13,021,635) (6,025,337)
1.2.1.1.1 Excess differences arising from translation
4. Electronic money - - b. Deferred tax income (expenses) 181,720 (19,525) of financial statement - -
5. Fund from Bank Indonesia - - PROFIT (LOSS) CURRENT PERIOD 860,194 800,888 1.2.1.1.2 Potential gain due to increases of fair value of CASH FLOWS FROM INVESTING ACTIVITIES
6. Fund from other banks 5,357,967 1,300,316 financial asset through other comprehensive income - -
1.2.1.1.3 Surplus of fixed assets revaluation 3,565,773 3,508,565 Receipt from matured amortized cost securities 71,293 773
7. Spot and derivative liabilities/forward 3,019 - PROFIT (LOSS) MINORITY INTEREST - - 1.2.1.2 Other disclosed reserves 20,577,363 17,763,932 Acquisitions of premises and equipment (299,343) (188,467)
8. Securities sold under repurchase agreements (Repo) 1,870,835 - 1.2.1.2.1 Agio 4,418,900 4,465,565 Purchase in fair value through other comprehensive income securities (16,655) (487,978)
9. Acceptances liabilities 1,332,520 544,567 OTHER COMPREHENSIVE INCOME 1.2.1.2.2 General reserves 4,621,242 4,621,242 Receipt from Securities purchased under agreement to resell - 1,434,190
10. Securities issued 6,809,546 6,834,647 1.2.1.2.3 Previous year profit 10,677,027 7,876,237
1. Unreclassified to profit (loss) 1.2.1.2.4 Current year profit 860,194 800,888 Receipt in fair value through other comprehensive income government bonds 197,457 165,919
11. Fund borrowings 42,762,914 42,874,926
a. Gain (loss) from revaluation of premises and equipment - - 1.2.1.2.5 Funds for paid-in capital - - Receipt (purchase) of amortized cost government bonds (8,933) 1,282,876
12. Margin deposits received 9,730 9,690
b. Gain (loss) from remeasurement on defined benefit plans 90,345 (91,084) 1.2.1.2.6 Others - - Purchase of amortized cost securities - (274,842)
13. Inter office liabilities - - 1.2.2 Deduction Factor (972,190 ) (1,103,023)
14. Other liabilities 7,564,159 6,773,122 c. Others (22,586) 22,771 Net Cash provided by (used in) Investing Activities (56,181) 1,932,471
1.2.2.1 Other comprehensive income (893,189 ) (1,024,022)
15. Minority interest - - 1.2.2.1.1 Negative differences arising from translation
2. Reclassified to profit (loss) of financial statement - - CASH FLOWS FROM FINANCING ACTIVITIES
TOTAL LIABILITIES 423,450,748 408,270,584 a. Gain (losses) from adjustments arising from translation 1.2.2.1.2 Potential losses due to decreases of fair value of Payment of matured securities issued (25,569) (2,008,284)
of financial statement - - financial asset through other comprehensive income (893,189 ) (1,024,022)
EQUITY 1.2.2.2 Other disclosed reserves (79,001 ) (79,001) Payments of dividends (700,198) (609,015)
b. Gain (loss) from changes of financial assets on measured 1.2.2.2.1 Disagio - - Proceeds from fund borrowings - 446,231
16. Share capital
at fair value through other comprehensive income (167,620) 196,203 1.2.2.2.2 Previous year loss - - Payment from fund borrowings (223,064) -
a. Authorised capital 10,239,216 10,239,216
b. Unpaid-in capital -/- (3,221,994) (3,221,994) c. Others 28,575 18,570 1.2.2.2.3 Current year loss - - Proceeds from securities sold under repurchase agreements 1,869,536 -
1.2.2.2.4 Negative difference in allowance for possible
c. Treasury stock -/- - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (71,286) 146,460 Payment of lease liabilities (28,036) (18,140)
losses and allowance for impairment
17. Additional Paid-in Capital on earning assets - - Paid-up in capital in advance - 1,376,759
TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 788,908 947,348
a. Agio 4,418,900 4,418,900 1.2.2.2.5 Negative difference in adjusment amounts Net Cash provided by (used in) Financing Activities 892,669 (812,449)
b. Disagio -/- - - from fair value of financial assets in trading book - -
c. Funds for paid-up capital - - Current Year Net Profit (Loss) Attributable to : 1.2.2.2.6 Required allowance for non earning assets (79,001 ) (79,001)
NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS (12,185,147) (4,905,315)
- Owner of Company 860,194 800,888 1.2.2.2.7 Others - -
d. Others - -
- Non Controlling Interest - - 1.3. Non Controlling Interest - - CASH AND CASH EQUIVALENTS AT BEGINNING OF PERIOD 53,037,770 41,526,686
18. Other comprehensive income 1.4. Deduction Factor of CET 1 (3,204,200 ) (2,849,285)
a. Gain 3,565,773 3,565,773 TOTAL CURRENT YEAR NET PROFIT (LOSS) 860,194 800,888 1.4.1 Deferred tax calculation (3,204,200 ) (2,849,285) CASH AND CASH EQUIVALENTS AT END OF PERIOD 40,852,623 36,621,371
b. Losses -/- (1,432,972) (1,361,686) 1.4.2 Goodwill - -
19. Reserve 1.4.3 Other intangible assets - - The details of cash and cash equivalents at end of period are as follows:
Total Comprehensive Profit (Loss) For The Year Attributable to:
a. General reserve 4,621,242 4,621,242 1.4.4 Investments in share - - Cash 3,334,989 1,866,807
- Owner of Company 788,908 947,348 1.4.5 Shortfall of capital on insurance subsidiaries - -
b. Appropriated reserve 840,476 840,476 - Non Controlling Interest - - Current accounts with Bank Indonesia 17,941,737 19,472,605
1.4.6 Securitisation exposure - -
20. Retained Earning 1.4.7 Other deduction of CET 1 - - Current accounts with other banks 2,920,639 1,525,663
a. Previous years 10,677,027 7,876,237 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 788,908 947,348 Placements with Bank Indonesia and other banks - maturing within
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2
b. Current year 860,194 3,500,988 to other bank - - three months or less since the acquisition date 16,655,258 13,756,296
c. Paid Dividend -/- - - TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - 1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants, or grants will - - Total of cash and cash equivalents 40,852,623 36,621,371
TOTAL EQUITY ATTRIBUTABLE TO OWNER 30,567,862 30,479,152 1.4.7.3 Exposure that give rise to credit risk due the settlement
DIVIDEND - -
(settlement risk) - Non Delivery Versus Payment - -
TOTAL EQUITY 30,567,862 30,479,152 Notes :
1.4.7.4 Exposures in subsidiaries that to business activity
EARNINGS PER SHARE (in rupiah) 57 57 based on sharia principle 1) The financial information as of March 31, 2024 and March 31, 2023 are unaudited. The financial
- -
TOTAL LIABILITIES AND EQUITY 454,018,610 438,749,736 information as of December 31, 2023 is extracted from the financial statements of PT Bank Tabungan
2. Additional Tier 1 (AT 1)
- -
Negara (Persero) Tbk as of December 31, 2023 and for the year then ended, prepared by the Bank’s
2.1. Instrument which comply with AT 1 requirements - - Management in accordance with Indonesian Financial Accounting Standards, which have been audited
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION 2.2. Agio / Disagio - - by KAP Purwantono, Sungkoro, & Surja (“PSS”), a member firm of Ernst & Young Global Limited with
As of March 31, 2024 and 2023 2.3. Deduction Factor of AT 1 - - Christophorus Alvin Kossim, as partner in charge, independent auditor, in accordance with Standards on
Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified audit
(In Millions of Rupiah) 2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - -
opinion, as stated in their report dated February 12, 2024 which is not included in this publication.
2.3.2 Cross ownership in another entity acquired by the transition due
to law, grants or grants will - - 2) The above published Financial Statements are presented to comply with:
March 31, 2024 (Unaudited) March 31, 2023 (Unaudited) a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019
No. DESCRIPTION II. SUPPLEMENTAL CAPITAL (TIER 2) 3,647,542 5,173,127 regarding “Transparency and Published Financial Statements of The Banks”
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total
1. Capital instrument in the form of stock or other which comply b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30,
Mention Standard Mention Standard with Tier 2 requirements 1.933.512 3.689.163 2020 regarding “Transparency and Published Financial Statements of The Commercial Banks”.
2. Agio/Disagio - - c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26,
I. RELATED PARTIES 3. General provision on earning assets (max. 1.25% credit risk - weighted assets) 1,714,030 1,483,964 2022 on Second Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy
1. Placements with other banks 4. Deduction supplemental capital - - Ratio for The Commercial Banks” and Financial Services Authority Regulation (POJK) Number 34/
a. Rupiah - - - - - - - - - - - - 4.1. Sinking Fund - - POJK.03/2016 Dated September 22, 2016 on Amendments of POJK Number 11/POJK.03/2016
4.2. Placement of funds in instrumen Tier 2 to other bank - - regarding “Capital Adequacy Ratio for The Commercial Banks”.
b. Foreign currencies - - - - - - - - - - - -
4.3. Cross-ownership in another entity acquired by the transition d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022
2. Spot and derivative receivables/ forward due to law, grants, or grants will - - regarding “Submission of Periodic Financial Statements for Issuers or Public Companies”.
a. Rupiah - - - - - - - - - - - - e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number
TOTAL CORE AND SUPPLEMENTAL CAPITAL 30,631,510 29,510,538
b. Foreign currencies - - - - - - - - - - - - VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012
3. Securities Mar 31, 2024 Mar 31, 2023 Mar 31, 2024 Mar 31, 2023 regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public
a. Rupiah - - - - - - - - - - - - RATIO Companies”.
(Unaudited) (Unaudited) (Unaudited) (Unaudited)
b. Foreign currencies - - - - - - - - - - - - f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020
RISK WEIGHTED ASSETS CAR RATIO regarding Changes to Published Financial Statements.
4. Securities sold with agreement CREDIT RISK WEIGHTED ASSETS 135,273,476 118,717,084 CET 1 Ratio (%) 16.74% 17.50%
to repurchase (Repo) 3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in accordance
MARKET RISK WEIGHTED ASSETS 6,887,023 2,499,789 Tier 1 Ratio (%) 16.74% 17.50%
with Bank Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment
a. Rupiah - - - - - - - - - - - - OPERATIONAL RISK - WEIGHTED ASSETS 19,055,594 17,889,426 Tier 2 Ratio (%) 2.26% 3.71% of Financial Services Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding
b. Foreign currencies - - - - - - - - - - - - TOTAL RISK WEIGHTED ASSETS 161,216,093 139,106,299 Capital Adequacy Ratio (%) 19.00% 21.21% the Amendment of Financial Services Authority Regulation Number 32/POJK.03/2018 regarding The Legal
5. Securities purchased with agreement CAR BASED ON RISK PROFILE (%) 9.18% 9.40% CET 1 for Buffer (%) 9.82% 11.50% Lending Limit and Provisions of Large Fund for Commercial Banks.
to resell (Reverse Repo) 4) Exchange rate of 1 US Dollar as at March 31, 2024, December 31, 2023 and March 31, 2023 were
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%)
a. Rupiah - - - - - - - - - - - - Rp. 15.855,00 , Rp. 15.397,00 dan Rp. 14.994,50 respectively.
From CET1 (%) 6.92% 6.00% Capital Conservation Buffer (%) 2.500% 2.500%
b. Foreign currencies - - - - - - - - - - - - 5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary
From AT1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000%
6. Acceptances receivables - - - - - - - - - - - - From Tier 2 (%) 2.26% 3.40% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% shares (residual income) by the weighted average number of ordinary shares outstanding during the
7. Loans and financing provided current year.
a. Micro, Small and Medium loans (UMKM)
i. Rupiah - - - - - - - - - - - - CALCULATION OF FINANCIAL RATIOS MANAGEMENT OF THE BANK
ii. Foreign currencies - - - - - - - - - - - - For the Period Ended March 31, 2024 and 2023 BOARD OF COMMISSIONER
b. Non UMKM
President Commissioner/ Independent Commissioner : Chandra M. Hamzah
i. Rupiah 80,961 90 - - - 81,051 101,640 1,348 - - 133 103,121 Mar 31, 2024 Mar 31, 2023
No. RATIOS (Unaudited) (Unaudited) Vice President Commissioner/Independent Commissioner : Iqbal Latanro
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Armand B. Arief
c. Restructured loans PERFORMANCE RATIOS Independent Commissioner : Sentot A. Sentausa
i. Rupiah - - - - - - - - - - - - Independent Commissioner : Bambang Widjanarko*
1. Capital Adequacy Ratio (CAR) 19.00% 21.21%
ii. Foreign currencies - - - - - - - - - - - - Independent Commissioner : Adi Sulistyowati*
2. Non performing earning assets and non earning assets
8. Investments in shares - - - - - - - - - - - - Commissioner : Andin Hadiyanto
to total earning assets and non earning assets 2.50% 2.87% Commissioner : Herry Trisaputra Zuna
9. Other receivable - - - - - - - - - - - - 3. Non performing earning assets to total earning assets 2.49% 2.85%
10. Commitments and contingencies Commissioner : Himawan Arief Sugoto
4. Allowance for impairment on financial assets to earning assets 3.92% 4.32%
a. Rupiah - - - - - - - - - - - - 5. Gross NPL 3.00% 3.54% BOARD OF DIRECTORS
b. Foreign currencies - - - - - - - - - - - - 6. Net NPL 1.38% 1.46% President Director : Nixon L.P. Napitupulu
7. Return on Asset (ROA) 1.02% 1.02% Vice President Director : Oni Febriarto Rahardjo
II. NON RELATED PARTIES 8. Return on Equity (ROE) 12.67% 13.08% Director of Information Technology : Andi Nirwoto
9. Net Interest Margin (NIM) 3.26% 3.51% Director of Assets Management : Elisabeth Novie Riswanti
1. Placements with other banks Director of Distribution and Institutional Funding : Jasmin
10. Operating Expenses to Operating Income 86.63% 86.51%
a. Rupiah 188,276 - - - - 188,276 427,286 - - - - 427,286 Director of Risk Management : Setiyo Wibowo
11. Cost to Income Ratio (CIR) 54.56% 47.41%
b. Foreign currencies 3,206,287 - - - 1,787 3,208,074 1,096,734 - - - 1,704 1,098,438 Director of Consumer : Hirwandi Gafar
12. Loan to Deposit Ratio (LDR) 96.23% 93.79%
2. Spot and derivative receivables/ forward Director of Finance : Nofry Rony Poetra
a. Rupiah - - - - - - - - - - - - COMPLIANCE Director of Human Capital, Compliance, and Legal : Eko Waluyo
b. Foreign currencies 70,105 - - - - 70,105 25,711 - - - - 25,711 Director of Operations and Customer Experience : Hakim Putratama
1. a. Percentage violation of Legal Lending Limit
3. Securities Director of SME and Retail Funding : Muhammad Iqbal **
i. Related parties 0.00% 0.00%
a. Rupiah 42,787,026 55,552 4,391 6,623 49,260 42,902,852 51,010,016 48,611 4,136 5,185 52,229 51,120,177 ii. Non - Related parties 0.00% 0.00% SHARIA SUPERVISORY BOARD
b. Foreign currencies 9,293,114 - - - - 9,293,114 4,636,206 - - - - 4,636,206 b. Percentage of excess of the Legal Lending Limit Chairman : M. Quraish Shihab
4. Securities sold with agreement i. Related parties 0.00% 0.00% Member : Mohammad Bagus Teguh Perwira
to repurchase (Repo) ii. Non - Related parties 0.00% 0.00% Member : Muhammad Faiz
a. Rupiah 1,927,009 - - - - 1,927,009 - - - - - - 2. Reserve requirement
b. Foreign currencies - - - - - - - - - - - - a. Primary reserve requirement Rupiah SHAREHOLDER
5. Securities purchased with agreement a.) Conventional
to resell (Reverse Repo) - Daily 0.05% 0.09% Ultimate Shareholder
- Average 5.45% 7.10% - Republic of Indonesia : 60.00%
a. Rupiah - - - - - - - - - - - -
b.) Syariah 6.20% 7.74% Non Ultimate Shareholder through Capital Market ( 5%) : Nil
b. Foreign currencies - - - - - - - - - - - -
6. Acceptances receivables 1,332,520 - - - - 1,332,520 785,365 - - - - 785,365 b. Reserve requirement Foreign currencies (Daily) 6.34% 4.74% Non Ultimate Shareholder through non Capital Market ( 5%) : Nil
7. Loans and financing provided 3. Net Open Position - Overall 4.67% 2.72%
* Appointed as a member of Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk based on
a, Micro, Small and Medium loans (UMKM) the Annual General Meeting of Shareholders dated March 6, 2024 and will be effective upon approval from
i. Rupiah 6,890,398 124,580 17,828 46,129 883,519 7,962,454 3,889,635 235,448 32,531 59,950 1,374,121 5,591,685 STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS the Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and
ii. Foreign currencies - - - - - - - - - - - - As of March 31, 2024 regulations.
b. Non UMKM (Unaudited) ** Appointed as a member of Board of Directors of PT Bank Tabungan Negara (Persero) Tbk based on the
i. Rupiah 293,009,417 31,242,686 740,654 947,684 7,694,856 333,635,297 257,552,992 26,243,842 699,245 1,209,964 7,221,499 292,927,542 (In Millions of Rupiah) Annual General Meeting of Shareholders dated March 6, 2024 and will be effective upon approval from the
Financial Services Authority (OJK) on Fit and Proper Test and in compliance with the prevailing laws and
ii. Foreign currencies 2,565,235 - - - - 2,565,235 1,125,698 - - - - 1,125,698
Derivative Receivables regulations.
c. Restructured loans Notional Type & Payables
i. Rupiah 32,574,262 18,178,898 457,593 566,737 5,659,150 57,436,640 35,481,982 14,570,837 515,907 948,271 6,131,117 57,648,114
No. TRANSACTION Amount
ii. Foreign currencies - - - - - - - - - - - - Trading Hedging Receivables Payables
8. Investments in shares - - - - - - - - - - - - Head Office :
A. Exchange Rate Related
9. Other receivable - - - - - - - - - - - - Menara Bank BTN
10. Commitments and contingencies 1. Spot 183,793 183,793 - 115 53 Jl. Gajah Mada No. 1 Jakarta 10130, Phone. (021) 6336789. 6332666 Fax. (021) 6346704
a. Rupiah 21,192,267 544,246 11,388 1,129 193,465 21,942,495 19,144,820 723,572 14,053 19,162 67,783 19,969,390 2. Forward - - - - - Branch Office :
b. Foreign currencies 1,289,178 - - - - 1,289,178 364,919 - - - - 364,919 3. Option • A m b o n • B a l i k p a p a n • B a n d a r L a m p u n g • B a n d u n g • Bandung Timur • Bangkalan • Banjarmasin
a. Written - - - - - • Banjarbaru • Batam • B a n y u w a n g i • Bekasi • Bengkulu • Bintaro Jaya • Bogor • Bumi Serpong Damai
III. OTHER INFORMATION b. Purchased - - - - - • Cibinong • Cibubur • Cikarang • Cilegon • Cimahi • Ciputat • Cirebon • Denpasar • Depok • Gresik • Gorontalo
4. Future - - - - - • Harapan Indah • Jakarta Cawang • Jakarta Kuningan • Jakarta Harmoni • Jakarta Melawai • Jakarta Pluit • Jambi
1. Value of bank’s assets pledge as collateral: • Jayapura • Jember • Karawaci • Karawang • Kelapa Gading Square • Kebon Jeruk • Kediri • Kendari • Kudus
5. Swap 3,171,000 - 3,171,000 280 2,966
a. To Bank Indonesia - - 6. Others 1,934,310 - 1,934,310 69,710 - • Kupang • Madiun • Magelang • Makassar • Malang • Mamuju • Manado • Mataram • Medan • Mojokerto • Mulyosari
b. To others - - • Padang • Palangkaraya • Palembang • Palu • Panakukkang • Pangkal Pinang • Pare-Pare • Pekalongan
2. Repossessed assets 77,591 77,591 B. Interest Rate Related • Pekanbaru • Pematang Siantar • Pontianak • Purwakarta • Purwokerto • Samarinda • Semarang • Sidoarjo
• Singaraja • Solo • Sukabumi • Surabaya • Surabaya Bukit Darmo • Tangerang • Tanjung Pinang • Tarakan
1. Forward - - - - - • Tasikmalaya • Tegal • Ternate • Yogyakarta.
2. Option
LOSSES AND ALLOWANCE FOR ASSET QUALITY ASSESSMENT a. Written - - - - -
As of March 31, 2024 and 2023 b. Purchased - - - - - Jakarta, April 26, 2024
(In Millions of Rupiah) 3. Future - - - - - S.E. & O
4. Swap - - - - -
5. Others - - - - - PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
March 31, 2024 (Unaudited) March 31, 2023 (Unaudited) Directors
C. Others - - - - -
No. DESCRIPTION Allowance for Impairment Required allowance for Allowance for Impairment Required allowance for
losses on earning assets losses on earning assets TOTAL 5,289,103 183,793 5,105,310 70,105 3,019
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
PRIME LENDING RATE
1. Placements with other banks 41 - 1,787 30,775 1,787 16 - 1,704 15,240 1,704 As Of March 31, 2024
2. Spot and derivative receivables/forward - - - 701 - - - - 257 - (% per annum)
3. Securities 698 - - 268,370 56,008 10 - 2,000 534,471 57,872 Nixon L.P. Napitupulu Nofry Rony Poetra
Prime Lending Rate
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - - - President Director Director of Finance
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - - Business Segment
6. Acceptances receivables 6,829 - - 13,325 - 216 - - 7,854 - Corporate Retail Micro Consumer Loan
7. Loans and financing provided 2,507,193 3,346,682 9,933,171 3,238,769 8,710,758 3,319,407 2,846,154 9,295,613 2,605,524 9,650,595 Loan Loan Loan Mortgage Non Mortgage
8. Investments in shares - - - - - - - - - -
9. Other receivable - - - - - - - - - -
Contact Center : 1500286
Prime Lending Rate 8.05% 8.30% n/a 7.40% 8.80%
10. Commitments and contingencies 3,037 - - 42,202 196,001 6,563 - - 184,671 34,466
www.btn.co.id
Page 2
FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENT OF FINANCIAL POSITION STATEMENT OF INCOME AND OTHER COMPREHENSIVE
As Of March 31, 2024 And December 31, 2023 For the Period Ended March 31, 2024 and 2023
(In Millions of Rupiah) (In Millions of Rupiah)
Mar 31, 2024 Dec 31, 2023 NO. DESCRIPTION Mar 31, 2024 Mar 31, 2023
NO. ACCOUNT (Unaudited) (Audited) (Unaudited) (Unaudited)
ASSETS OPERATING INCOME AND EXPENSES
1. Cash 136,455 109,085
A.Operating Income and Expenses
2. Placement with Bank Indonesia 5,474,046 6,440,216
3. Placement with Other Bank 200 200 1. Revenue from Fund Management as Mudharib
4. Investments in Marketable Securities 10,545,761 10,795,395 a. Income from Receipable Financing 685,827 609,626
5. Receivable Financing 34,528,886 32,488,789 b. Income from Revenue Sharing Financing 92,352 87,265
6. Revenue Sharing Financing 4,606,522 4,624,042 c. Income from Revenue from Ijarah 40 -
7. Ijarah Receivable 1,375 1,450 d. Other Main Operating Income 211,489 160,660
8. Other Productive Assets - - 2. Third Parties Share on Returns of Temporary Syirkah Funds (439,942) (347,295)
9. Allowance for Impairment on Finansial Assets (1,446,505) (1,400,430) a. Non Profit Sharing (439,942) (347,295)
10. Premisses and Equipment 31,864 23,259 b. Profit Sharing - -
11. Non Productive Assets - - 3. Revenue after Sharing Distribustion 549,766 510,256
12. Other Assets 966,754 1,206,703
B. Other Operating Income and Expenses
TOTAL ASSETS 54,845,358 54,288,709 1. Gain (Loss) from foreign Currencies Transaction - -
LIABILITIES 2. Income Bank as Mudharib from Revenue Sharing - -
1. Wadiah Deposits 3. Comissions / Provisions / Fees and Administrative 24,253 19,155
a. Current Accounts 13,625,398 13,439,465 4. Other Income - -
b. Saving Accounts 1,328,510 1,276,592 5. Bonus on Wadiah Demand Deposite (25,327) (17,480)
2. Temporary Syirkah Fund 6. Impairment for Financial Assets (85,093) (208,497)
a. Current Accounts 863,106 726,061 7. Losses Related to Financial Assets - -
b. Saving Accounts 5,659,916 5,473,242 8. Impairment for Other Financial Assets (15,800) -
c. Time Deposits 21,381,061 20,887,524 9. Salaries and Employee Benefits (81,920) (71,276)
3. Liabilities to Bank Indonesia - - 10. Other Expense (201,777) (127,009)
4. Liabilities to Other Bank 31,272 23,235
Other Operating Income (Expenses) (385,664) (405,107)
5. Securities Issued 260,733 265,846
6. Other Liabilities 4,044,153 4,017,837 PROFIT AND LOSS FROM OPERATIONS 164,102 105,149
7. Profit Sharing Deposits - - NON OPERATING INCOME AND EXPENSES
8. Business Fund 7,475,143 7,471,713
9. Retained Earning 1. Gain (Loss) for Sales of Premises and Equipment - -
a. Other Comprehensive Income 7,140 65 2. Other Non Operating Income (Expenses) 30 -
b. Previous Year 4,794 4,794 PROFIT AND LOSS FROM NON OPERATIONS 30 -
c. Current Year 164,132 702,335
PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 164,132 105,149
TOTAL LIABILITIES 54,845,358 54,288,709
Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 164,132 105,149
REVENUE SHARING DISTRIBUTION
Period March 31, 2024 OTHER COMPREHENSIVE INCOME
(In Millions of Rupiah) 1. Unreclasiffied to Profit (Loss) - -
2. Reclasiffied to Profit (Loss) 7,075 (15,004)
Net Revenue Sharing
OTHER COMPREHENSIVE INCOME FOR THE YEAR
SHARE OF SHAHIBUL MAAL AFTER TAX 7,075 (15,004)
AVERAGE INCOME
NO. COLLECTIVE TYPE THAT MUST BONUS AND INDIKASI
BALANCE TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 171,207 90,145
RATIOS REVENUE
BE DIVIDED SHARING
EQV.
STATEMENT OF COMMITMENTS AND CONTINGENCIES
I. Liabilities to Other Bank - - - - - As Of March 31, 2024 And December 31, 2023
(In Millions of Rupiah)
II. Mudharabah Current Deposits
a. Bank - - - - - NO. DESCRIPTION Mar 31, 2024 Dec 31, 2023
(Unaudited) (Audited)
b. Non Bank 854,866 6,614 10.31% 682 0.96%
1. COMMITMENT RECEIVABLES
III. Mudharabah Saving Deposits
1. Unused Fund Borrowing/Financing Fasilities - -
a. Bank 16,189 125 33.14% 42 3.08%
2. Outstanding Purchase Position on Spot and Derivative/forward - -
b. Non Bank 5,547,898 42,924 33.19% 14,246 3.08%
3. Others - -
IV. Mudharabah Time Deposits
2. COMMITMENT PAYABLES
a. Bank
1. Unused Loan Fasilities Granted to Customer 1,144,584 1,143,774
1 Month 1,269 10 29.50% 3 2.74%
2. Outstanding Sales Position on Spot and Derivative/forward
3 Month 1,000 8 29.50% 3 2.74%
3. Others
6 Month 19 0 29.50% 0 2.74%
12 Month - - - - - 3. CONTIGENT RECEIVABLE - -
b. Non Bank 1. Guarantees Received - -
1 Month 2,821,199 21,827 28.02% 6,117 2.60% 2. Income in Progress - -
3 Month 7,069,149 54,693 29.50% 16,134 2.74% 3. Others 3,273,245 3,219,644
6 Month 2,658,189 20,566 29.50% 6,067 2.74% 4. CONTIGENT PAYABLES
12 Month 1,805,378 13,968 29.50% 4,120 2.74% 1. Guarantees Issued 332 439
V. Fund Borrowings 3,191,813 27,796 42.58% 11,836 4.45% 2. Others - -
TOTAL 23,966,969 188,531 59,250
FINANCIAL RATIOS
For the Period Ended March 31, 2024 and 2023
AVERAGE INCOME
NO. TYPE OF DISBURSEMENT
BALANCE RECEIVED NO. RATIOS Mar 31, 2024 Mar 31, 2023
(Unaudited) (Unaudited)
1. Total Assets Sharia Unit to Total Assets Consolidation 12.08% 11.59%
I. Placement with Other Bank - - 2. Non Performing Productive Assets to Total Productive Assets 2.24% 2.61%
II. Murabahah Receivable 3. Allowance for Impairment on Productive Assets
a. Bank - - to Total Productive Assets 2.91% 4.16%
b. Non Bank 8,426,655 131,086 4. Gross NPF 2.84% 3.29%
5. Nett NPF 0.50% 0.38%
III. Istishna Receivable 6. Return On Assets (ROA) 1.20% 0.92%
a. Bank - - 7. Financing Revenue Sharing to Total Financing 11.77% 14.66%
b. Non Bank 125,151 30,159 8. Financing to Deposit Ratio (FDR) 91.32% 91.57%
IV. Multi-Service Receivable Notes :
a. Bank - - - Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
b. Non Bank 15,842 54 “Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
V. Rahn Financing Head Office :
a. Bank - - Menara Bank BTN. Jl. Gajah Mada No. 1. Jakarta 10130 Phone : (021) 6336789. 6332666
b. Non Bank - - Sharia Branch Office :
VI. Mudharabah Financing • Balikpapan • Banda Aceh • Bandar Lampung • Bandung • Banjarmasin • Batam • Bekasi
a. Bank - - • Bengkulu • Bogor • Cirebon • Depok • Jakarta Harmoni • Jakarta Pasar Minggu • Jambi
b. Non Bank 88,217 324 • Jember • Karawang • Kendari • Makassar • Malang • Mataram • Medan • Padang
• Palembang • Palu • Pekanbaru • Pontianak • Semarang • Serang • Solo • Surabaya
VII. Musyarakah Financing • Tangerang • Tasikmalaya • Tegal • Yogyakarta
a. Bank - -
b. Non Bank 4,423,396 26,946 Jakarta, April 26, 2024
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
VIII. Ijarah Receivable Sharia Business Unit
a. Bank - -
b. Non Bank - 38
IX. Other Financing
a. Bank - -
b. Non Bank - 6 M. Quraish Shihab Hirwandi Gafar
Sharia Supervisory Board Director of Consumer
TOTAL 13,079,261 188,613
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
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PT Bank Tabungan
p.1
unresolved
org
Negara (Persero) Tbk
p.1
unresolved
org
Purwantono
p.1
unresolved
org
Young Global Limited
p.1
unresolved
org
Financial Services Authority
p.1 ×11
unresolved
org
Bapepam-LK
p.1 ×4
unresolved
org
Bank Indonesia Regulation
p.1
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