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Lampiran 4. Surat S.175/DIR/CSGC/IV/2024 Bukti Publikasi Website (26 Februari 2024)
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STATEMENT OF FINANCIAL
PT Bank BTPN Syariah Tbk.
31 March 2024
STATEMENT OF FINANCIAL POSITION STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME CALCULATION OF CAPITAL ADEQUACY RATIO
As of 31 March 2024 and 31 December 2023 (in Millions of Rupiah) For The Periodes Ended 31 March 2024 and 2023 As of 31 March 2024 and 2023 (in Millions of Rupiah)
(in Millions of Rupiah, except net income per share)
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION 31 Mar 2024 31 Mar 2023
No DESCRIPTION 31 Mar 2024 31 Dec 2023 31 Mar 2024 31 Dec 2023 No DESCRIPTION 31 Mar 2024 31 Mar 2023 31 Mar 2024 31 Mar 2023 No COMPONENTS OF CAPITAL Unaudited Unaudited
Unaudited Audited Unaudited Audited Unaudited Unaudited Unaudited Unaudited INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
ASSETS OPERATING INCOME AND EXPENSES I. Core Capital (Tier 1)
1 Cash 589.487 497.153 589.487 497.153 A. Income & Expenses from Fund Management as Mudharib 1 Common Equity Tier 1 (CET 1)
1 Income from Fund Management as Mudharib 1.369.660 1.381.080 1.372.604 1.383.621 1.1 Paid-in capital (net of treasury stock) 770.345 770.345 770.308 770.308
2 Placements with Bank Indonesia 654.285 763.443 654.285 763.443
a. Income from receivables 1.2 Reserve additional capital
3 Placements with other Banks 4.466 4.715 247.326 245.119
i. Murabahah 1.238.641 1.275.660 1.238.641 1.275.660 1.2.1 Additional factor
4 Spot and forward receivables - - - -
ii. Istishna' - - - - 1.2.1.1 Other comprehensive income
5 Investments in marketable securities 8.623.029 8.491.180 8.705.475 8.571.244
iii. Multiservices ijarah - - - - 1.2.1.1.1 Excess adjustment due to financial statement translation - - - -
6 Securities purchased under resale agreements (reverse repo) - - - -
iv. Ujrah - 149 - 149 1.2.1.1.2 Potential gain due to increases of fair value of financial assets classified as fair value through other - - 118 118
7 Acceptance receivables - - - - comprehensive income
8 Receivables v. Others - - - -
1.2.1.1.3 Surplus of fixed assets revaluation 5.239 5.239 5.239 5.239
a. Murabahah receivables 10.865.078 11.367.662 10.865.078 11.367.662 b. Income from Financing
1.2.1.2 Other disclosed reserves
b. Istishna’ receivables - - - - i. Mudharabah - - - -
1.2.1.2.1 Agio 880.356 880.356 879.174 879.174
c. Multiservices ijarah receivables - - - - ii. Musyarakah 408 1.583 408 1.583 1.2.1.2.2 General reserves 145.000 145.000 105.000 105.000
d. Funds of qardh 331 530 331 530 iii. Others - - - - 1.2.1.2.3 Previous years profit after tax 6.360.097 6.379.838 6.581.096 6.592.060
e. Ijarah receivables - - - - c. Income from ijarah - - - - 1.2.1.2.4 Current year profit after tax 260.133 263.987 424.670 424.722
9 Profit sharing financing d. Others 130.611 103.688 133.555 106.229 1.2.1.2.5 Funds for paid-up capital - - - -
2 Profit Sharing for Investors -/- 125.737 110.201 125.734 110.197 1.2.1.2.6 Capital contribution - - - -
a. Mudharabah - - - -
b. Musyarakah 10.949 19.669 10.949 19.669 a. Non profit sharing 125.737 110.201 125.734 110.197 1.2.1.2.7 Warrants issued - - - -
b. Profit sharing - - - - 1.2.1.2.8 Stock options issued for stock-based compensation program - - - -
c. Others - - - -
3 Net Income from Fund Management as Mudharib 1.243.923 1.270.879 1.246.870 1.273.424 1.2.2 Deduction factor
10 Asset acquired for Ijarah - - - -
B. Operating Income and Expenses other than as Mudharib 1.2.2.1 Other comprehensive expense
11 Investment in share 297.000 297.000 - -
Gain/Loss from increase/decrease in fair value of financial assets - - - - 1.2.2.1.1 Negative adjustment due to financial statement translation - - - -
12 Other financial assets 246.214 240.402 246.214 240.402 1
1.2.2.1.2 Potential losses due to impairment of fair value of financial assets classified as fair value through other (223) (223) - -
13 Allowance for impairment on financial assets -/- (1.091.705) (1.213.916) (1.092.117) (1.213.916) comprehensive income
Gain/Loss from decrease/increase in fair value of financial liabilities - - - -
2
14 Salam - - - - 1.2.2.2 Other disclosed reserves
15 Istishna' assets in progress - - - - 3 Gain/Loss on sale of financial assets - - - - 1.2.2.2.1 Disagio - - - -
Istishna' term -/- - - - - 4 Gain/Loss on spot and forward transactions (realised) - - - - 1.2.2.2.2 Previous years loss after tax that can be counted - - - -
16 Inventory - - - - 5 Gain/Loss on investment under equity method - - - - 1.2.2.2.3 Current year loss after tax - - - -
17 Intangible assets 214.579 210.744 214.579 210.744 6 Gain/Loss on foreign exchange translation - - 2.395 (2.997) 1.2.2.2.4 Negative differences between regulatory provision and allowance for impairment losses of earning asset - - - -
18 Fixed assets and equipments 368.995 376.224 369.012 376.242 7 Bank income as mudharib in mudharabah muqayyadah - - - - 1.2.2.2.5 Negative differences on adjustment of fair value on financial instrument in the Trading Book - - - -
19 Non earning assets 1.2.2.2.6 Regulatory provision on non earning assets - - - -
8 Dividend Income - - - -
1.3 Minority interest that can be counted
a. Abandoned property - - - - 9 Commission/provision/fees and administration income 351 351 351 351
1.4 Deduction factors of CET 1
b. Foreclosed collaterals - - - - 10 Other income 18.276 29.267 18.276 29.267
1.4.1 Deferred tax calculation (245.369) (244.308) (147.460) (147.363)
c. Suspense Accounts - - - - 11 Wadiah bonus expenses -/- 181 179 181 179
1.4.2 Goodwill - - - -
d. Interoffice assets - - - - 12 Impairment for financial asset -/- 383.880 256.640 384.293 256.640
1.4.3 Investments in share calculated as deduction (214.579) (214.579) (187.334) (187.334)
20 Other assets 387.250 357.699 386.189 357.074 13 Losses related to operational risks -/- 2.194 2.323 2.194 2.323
1.4.4 Shortfall on the capital of insurance subsidiaries (297.000) - (297.000) -
TOTAL ASSETS 21.169.958 21.412.505 21.196.808 21.435.366 14 Impairment for non financial assets -/- - - - -
1.4.5 Securitisation exposure - - - -
LIABILITIES AND EQUITIES 15 Salaries and employee benefits -/- 355.017 319.324 355.568 319.439
1.4.6 Eksposur sekuritisasi - - - -
LIABILITIES 16 Promotion Expenses -/- 2.465 2.139 2.465 2.139
1.4.7 Other deduction factor of CET 1
1 Wadiah Deposits 17 Other Expenses -/- 188.509 176.680 188.555 176.716 1.4.7.1 Investment on AT1 and/or Tier 2 instrument to other bank - - - -
a. Demand Deposits 21.815 24.009 21.815 24.009 Net Operating Income/Expenses (913.619) (727.667) (912.234) (730.815) 2 Additional Tier 1 (AT 1)
b. Savings Deposits 2.133.815 2.197.988 2.133.814 2.197.988 OPERATING INCOME/EXPENSES 330.304 543.212 334.636 542.609 - - - -
2.1 Instruments which comply with AT 1 regulations
2 Non-profit sharing investments NON-OPERATING INCOME/ EXPENSES 2.2 Agio / disagio (+/-) - - - -
a. Demand Deposits - - - - 1 Gain/Loss from sale of fixed assets and equipment 1.630 834 1.630 834 2.3 Deduction factor of AT 1
b. Savings Deposits 758.279 890.066 758.234 889.954 2 Other non-operating income/expenses 203 (266) 200 (269) 2.3.1 Investment on AT 1 and/or Tier 2 instrument to other bank - - - -
c. Time Deposits 8.825.487 9.030.866 8.825.487 9.030.866 NON-OPERATING INCOME/EXPENSES 1.833 568 1.830 565 II. Supplemental Capital (Tier 2)
3 Electronic Money - - - - CURRENT YEAR PROFIT/LOSS BEFORE TAX 332.137 543.780 336.466 543.174 1 Capital instrument in the form of stock or others which comply with tier 2 requirements - - - -
4 Liabilities to Bank Indonesia - - - - Income taxes 2 Agio/Disagio (+/-) - - - -
5 Liabilities to Other Banks - - - - a. Estimated current year tax -/- (43.053) (104.528) (43.053) (104.528) 3 General provision on earning assets (max. 1.25% Credit Risk - Weighted Assets) 100.845 102.478 105.553 107.113
6 Spot and forward payables - - - - b. Deferred tax income/expenses (28.951) (14.582) (29.387) (13.923) 4 Appropriated reserves - - - -
7 Marketable securities issued - - - - CURRENT YEAR NET PROFIT/LOSS 260.133 424.670 264.026 424.723 5 Deduction supplemental capital
5.1 Sinking Fund - - - -
8 Acceptance liabilities - - - - MINORITY INTEREST PROFIT/LOSS 39 1
5.2 Investment on Tier 2 instrument to other bank - - - -
9 Fund Borrowings - - - - OTHER COMPREHENSIVE INCOME
TOTAL CAPITAL 7.764.844 8.088.133 8.239.364 8.549.037
10 Guarantee deposit - - - - 1 Items that will not be reclassified to profit or loss
11 Interoffice liabilities - - - - a. Gain/Loss from revaluation of properties - - - - 31 March 2024 31 March 2023 31 March 2024 31 March 2023
Unaudited Unaudited Unaudited Unaudited
12 Other liabilities 955.711 515.313 955.844 515.416 b. Gain/Loss from remeasurement on defined benefit plan - (93) - (93) DESCRIPTION DESCRIPTION
INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION INDIVIDUAL CONSOLIDATION
13 Profit sharing investment funds - - - - c. Others - - - -
14 Minority interest 3.168 3.129 2 Items that will be reclassified to profit or loss RISK WEIGHTED ASSETS CAPITAL ADEQUACY RATIO
TOTAL LIABILITIES 12.695.107 12.658.242 12.698.362 12.661.362 a. Gain/Loss from exchange difference on translation of foreign CREDIT RISK - WEIGHTED ASSETS 7.660.485 7.792.328 8.321.526 8.447.927 CET 1 Ratio (%) 45,49% 47,01% 49,55% 51,03%
- - - -
currency financial statement
EQUITIES MARKET RISK - WEIGHTED ASSETS - - - - Tier 1 Ratio (%) 45,49% 47,01% 49,55% 51,03%
15 Share capital b. Gain/Loss from changes of financial assets on measured at fair OPERATIONAL RISK - WEIGHTED ASSETS 9.185.583 9.194.553 8.092.909 8.095.128 Tier 2 Ratio (%) 0,60% 0,60% 0,64% 0,65%
(366) 55 (366) 55
value through other comprehensive income
a. Authorized share capital 2.750.000 2.750.000 2.750.000 2.750.000 TOTAL RISK WEIGHTED ASSETS 16.846.068 16.986.881 16.414.435 16.543.055 CAR Ratio (%) 46,09% 47,61% 50,20% 51,68%
b. Unpaid-in capital -/- 1.979.630 1.979.630 1.979.630 1.979.630 c. Others - - - - CAR BASED ON RISK PROFILE (%) 9,18% 9,18% 9,17% 9,17% CET 1 FOR BUFFER (%) 36,91% 38,43% 41,03% 42,51%
c. Treasury stock -/- 25 62 25 62 OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX (366) (38) (366) (38) CAPITAL ALLOCATION FOR CAR BASED ON PERCENTAGE OF BUFFER MANDATORY
TOTAL OTHER COMPREHENSIVE INCOME FOR THE YEAR 259.767 424.632 263.660 424.685 RISK PROFILE FULFILLED BY BANK
16 Additional paid-in capital
Current Year Net Profit/Loss Attributable to : From CET 1 (%) 8,58% 8,58% 8,53% 8,52% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
a. Agio 842.145 840.964 842.145 840.964
Owner 260.133 424.670 263.987 424.722 From AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
b. Disagio -/- - - - -
Non controlling interest - - 39 1 From Tier 2 (%) 0,60% 0,60% 0,64% 0,65% Capital Surcharge for Systemic Bank (%) 0,00% 0,00% 0,00% 0,00%
c. Capital contribution - - - -
d. Fund for paid up capital - - - - TOTAL CURRENT YEAR NET PROFIT/LOSS 260.133 424.670 264.026 424.723
e. Others 20.916 20.916 20.916 20.916 Total Comprehensive Profit/Loss For The Year Attributable To : STATEMENT OF ALLOWANCE OF IMPAIRMENT OF LOSSES
17 Other comprehensive income Owner 259.767 424.632 263.621 424.684 As of 31 March 2024 and 2023 (in Millions of Rupiah)
a. Gain 38.227 38.370 38.227 38.370 Non controlling interest - - 39 1 INDIVIDUAL
b. Loss -/- 223 - 223 - Total Comprehensive Profit/Loss For The Year 259.767 424.632 263.660 424.685
No DESCRIPTION 31 March 2024 31 March 2023
18 Reserve DIVIDEND 540.397 - 540.397 - Unaudited Unaudited
EARNINGS PER SHARE (in Rupiah) 34 55 34 55 Allowance for Impairment Regulatory Provision Allowance for Impairment Regulatory Provision
a. General reserve 145.000 125.000 145.000 125.000
b. Appropriated reserve - - - - Individual Collective General Specific Individual Collective General Specific
19 Profit / Loss
STATEMENT OF COMMITMENTS AND CONTINGENCIES 1 Placements with other banks - - 45 - - - 69 -
As of 31 March 2024 and 31 December 2023 (in Millions of Rupiah)
a. Previous years 6.938.705 6.599.517 6.958.446 6.610.482 2 Spot and forward receivables - - - - - - - -
INDIVIDUAL CONSOLIDATION
b. Current year 260.133 1.071.723 263.987 1.080.499 3 Securities - - 5.569 - - - 5.134 -
No DESCRIPTION 31 Mar 2024 31 Dec 2023 31 Mar 2024 31 Dec 2023
c. Dividens paid -/- 540.397 712.535 540.397 712.535 4 Acceptance receivables - - - - - - - -
Unaudited Audited Unaudited Audited
TOTAL EQUITIES ATTRIBUTABLE TO OWNERS 8.474.851 8.754.263 8.498.446 8.774.004 I. COMMITMENT RECEIVABLES 5 Murabahah receivables - 1.091.524 101.453 81.896 - 735.872 109.743 153.800
TOTAL EQUITIES 8.474.851 8.754.263 8.498.446 8.774.004 6 Istishna' receivables - - - - - - - -
1. Unused financing facilities - - - -
2. Foreign currency positions to be received from spot and forward 7 Multi-services ijarah receivables - - - - - - - -
TOTAL LIABILITIES AND EQUITIES 21.169.958 21.412.505 21.196.808 21.435.366 - - - -
transactions 8 Funds of qardh - 72 2 71 - 50 14 37
CONSOLIDATED STATEMENTS OF CASH FLOWS 3. Others - - - - 9 Ijarah receivables - - - - - - - -
For The Priodes Ended 31 March 2024 and 2023 II. COMMITMENT PAYABLES
(in Millions of Rupiah) 10 Mudharabah financing - - - - - - - -
1. Unused financing facilities
31 Mar 2024 31 Mar 2023 11 Musyarakah financing - 109 109 - - 612 612 -
DESCRIPTION a. Committed - - - -
Unaudited Unaudited 12 Other financing - - - - - - - -
b. Uncommitted - - - -
CASH FLOWS FROM OPERATING ACTIVITIES 13 Investments in shares - - 2.970 - - - 2.970 -
2. Outstanding irrevocable L/C - - - -
Receipts of income from fund management 1.366.793 1.392.259 14 Commitments and contingencies - - - - - - - -
3. Foreign currency positions to be submitted for spot and forward
- - - -
Payments of profit sharing for temporary syirkah funds (127.497) (109.911) transactions
Receipts of administrative income 2.435 1.481 4. Others - - - -
STATEMENT OF SPOT AND FORWARD TRANSACTIONS
As of 31 March 2024 UnAudited (in Millions of Rupiah)
Receipts from recovery of written-off murabahah receivables 18.288 33.102 III. CONTINGENT RECEIVABLES
1. Guarantees received - - - - INDIVIDUAL
Payments of personnel expenses (514.818) (348.517)
2. Income from non performing financing No TRANSACTION Type Derivative Receivables & Payable
Payments of other operating expenses (676.938) (424.369)
Nominal
a. Murabahah 43.012 44.738 43.012 44.738 Non Hedging Hedging Receivables Payables
Payments related with non-operating income (expenses) - net 171 (2.085)
b. Istishna' - - - - A Exchange Rate Related
Payments of corporate income tax (64.566) (108.503)
c. Ijarah - - - - 1 Spot - - - - -
Cash flows before changes in operating assets and liabilities 3.868 433.457
d. Profit Sharing - - - - Forward
2 - - - - -
Changes in operating assets, operating liabilities and temporary syirkah funds:
e. Others - 1 - 1
3 Other - - - - -
Decrease (increase) in operating assets: 3. Others - - - - B Other - - - - -
Placements with Bank Indonesia and other banks - - IV. CONTINGENT LIABILITIES
TOTAL - - - - -
Murabahah receivables 502.584 (302.169) 1. Guarantees issued - - - -
Musyarakah financing 8.720 (974) 2. Others - - - - STATEMENT OF PROFIT SHARING DISTRIBUTION
Funds of qardh 199 1.473 As of 31 March 2024 UnAudited (in Millions of Rupiah)
Other assets (20.082) (23.604) STATEMENT OF FINANCIAL RATIOS Net Revenue Sharing
As of 31 March 2024 and 2023
Increase (decrease) in operating liabilities:
Liabilities due immediately 15.763 11.685 31 March 2024 31 March 2023 Fund Owners Portion
No RATIOS Types of Funds Average Income to be
Unaudited Unaudited Balance Distributed
Deposits from customers (66.368) 16.047 Rate of Return
PERFORMANCE RATIOS Ratio (%) Total of Profit Sharing
Other liabilities 40.128 8.027 Indication (%)
1 Capital Adequacy Ratio (CAR) 46,09% 50,20% A B C D E
Minority rights - -
2 Non performing earning assets and non earning assets to total earning assets and non earning assets 1,63% 1,76% 1 Liabilities to other banks - - 0,00% - 0,00%
Increase in temporary syirkah funds (337.099) 699.588
3 Non performing earning assets to total earning assets 1,63% 1,76% 2 Mudharabah demand deposits
Net cash flows provided from operating activities 147.713 843.530
4 Allowance for impairment on financial assets to earning assets 5,51% 3,64% a. Bank - - 0,00% - 0,00%
CASH FLOWS FROM INVESTING ACTIVITIES
5 Non Performing Financing (NPF) gross 2,97% 3,00% b. Non Bank - - 0,00% - 0,00%
Proceeds from sale of fixed assets 1.673 2.650 6 Non Performing Financing (NPF) net 0,02% 0,50% 3 Mudharabah savings deposits
Purchase of fixed assets (12.049) (22.347) 7 Return On Assets (ROA) 6,22% 9,98% a. Bank - - 0,00% - 0,00%
Purchase of intangible assets (19.635) (33.930) 8 Return On Equity (ROE) 13,17% 21,29% b. Non Bank 727.544 33.402 5,55% 1.854 3,10%
Purchase of marketable securities (2.812.350) (1.539.642) 9 Net Interest (NI) 24,72% 25,37% 4 Mudharabah time deposits
Sale of marketable securities 744.943 1.661.175 10 Net Operating Margin (NOM) 6,19% 10,25% a. Bank
Net cash flows used in investing activities (2.097.418) 67.906 11 Operating Expenses to Operating Income (BOPO) 76,21% 61,49% - 1 Month - - 0,00% - 0,00%
CASH FLOWS FROM FINANCING ACTIVITIES 12 Cost to Income Ratio (CIR) 43,43% 38,49% - 3 Month - - 0,00% - 0,00%
Payments from borrowings - (100.000) 13 Profit sharing financing to total financing 0,10% 0,52% - 6 Month - - 0,00% - 0,00%
Net cash flows used in financing activities - (100.000) 14 Financing to Deposit Ratio (FDR) 92,65% 92,67% - 12 Month - - 0,00% - 0,00%
NET INCREASE IN CASH AND CASH EQUIVALENTS (1.949.705) 811.436 Compliance
b. Non Bank
CASH AND CASH EQUIVALENTS AT BEGINNING OF THE YEAR 4.260.714 4.143.991 1 a. Percentage violation of Legal Lending Limit (LLL) - 1 Month 6.879.064 315.820 8,87% 31.572 5,58%
CASH AND CASH EQUIVALENTS AT END OF THE YEAR 2.311.009 4.955.427 i. Related parties 0,00% 0,00% - 3 Month 1.714.452 78.711 8,88% 7.272 5,16%
Cash and cash equivalents consist of: ii. Non related parties 0,00% 0,00% - 6 Month 322.754 14.817 8,16% 993 3,74%
Cash 589.487 874.025 b. Percentage of financing in excess of Legal Lending Limit (LLL) - 12 Month 22.372 1.027 8,67% 56 3,05%
Current accounts with Bank Indonesia 654.285 717.252 i. Related parties 0,00% 0,00% 5 Marketable securities issued - - 0,00% - 0,00%
urrent accounts with other banks 5.826 8.745 ii. Non related parties 0,00% 0,00% TOTAL 9.666.186 443.777 41.747
Placements with Bank Indonesia - 28.000 2 Statutory reserve requirement
Average Balance Retained Earnings
Placements with other banks 241.500 232.500 a. GWM rupiah 5,51% 5,92% Type of Fund Distribution
A B
Investments in marketable securities 819.911 3.094.905 i. Daily 0,00% 0,00%
1 Placements with other banks 8.709.963 62.632
ADDITIONAL INFORMATION FOR FINANCING ACTIVITIES THAT DO NOT AFFECT CASH ii. Average 5,51% 5,92%
2 Murabahah receivables
Provision for retained earnings for final dividend (540.397) - b. GWM foreign currencies (Daily) 0,00% 0,00%
a. Bank - -
Total financing activities that do not affect cash (540.397) - 3 Overall Net Open Position (NOP) 0,00% 0,00%
b. Non Bank 11.110.348 375.828
3 Istishna’ receivables
STATEMENT OF ASSETS QUALITY AND OTHER INFORMATION a. Bank - -
As of 31 March 2024 and 2023 (in Millions of Rupiah)
b. Non Bank - -
INDIVIDUAL 4 Multiservices ijarah receivables
31 March 2024 31 March 2023 a. Bank - -
No DESCRIPTION Unaudited Unaudited b. Non Bank - -
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total 5 Funds of qardh
Mention Standard Mention Standard
a. Bank - -
I. RELATED PARTIES
b. Non Bank - -
1 Placements with other banks 6 Mudharabah financing
a. Rupiah 3.468 - - - - 3.468 5.983 - - - - 5.983 a. Bank - -
b. Foreign currencies - - - - - - - - - - - - b. Non Bank - -
7 Musyarakah financing
2 Spot and forward receivables
a. Bank - -
a. Rupiah - - - - - - - - - - - -
b. Non Bank 15.009 111
b. Foreign currencies - - - - - - - - - - - -
8 Ijarah receivables
3 Securities a. Bank - -
a. Rupiah - - - - - - - - - - - - b. Non Bank - -
b. Foreign currencies - - - - - - - - - - - - 9 Other financing
a. Bank - -
4 Acceptance receivables - - - - - - - - - - - -
b. Non Bank 455 -
5 Receivables and ijarah
TOTAL 19.835.775 438.571
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
Profit Sharing
i. Rupiah - - - - - - - - - - - -
Fund Owners Portion
ii. Foreign currencies - - - - - - - - - - - - Average Income to be
Types of Funds
Balance Distributed
b. Non Micro, small and medium enterprises (UMKM) - - - - - - - - - - - - Rate of Return
Ratio (%) Total of Profit Sharing
Indication (%)
i. Rupiah - - - - - - - - - - - -
A B C D E
ii. Foreign currencies - - - - - - - - - - - -
1 Liabilities to other banks
c. Restructured loans 2 Mudharabah demand deposits
i. Rupiah - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - b. Non Bank - - 0,00% - 0,00%
3 Mudharabah savings deposits
6 Profit sharing financing
a. Bank - - 0,00% - 0,00%
a Micro, small and medium enterprises (UMKM) - - - - - - - - - - - -
b. Non Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
4 Mudharabah time deposits
ii. Foreign currencies - - - - - - - - - - - - a. Bank
b. Non Micro, small and medium enterprises (UMKM) - 1 Month - - 0,00% - 0,00%
i. Rupiah - 3 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - - - 6 Month - - 0,00% - 0,00%
- 12 Month - - 0,00% - 0,00%
c. Restructured loans
b. Non Bank
i. Rupiah - - - - - - - - - - - -
- 1 Month - - 0,00% - 0,00%
ii. Foreign currencies - - - - - - - - - - - -
- 3 Month - - 0,00% - 0,00%
7 Investment in share 297.000 - - - - 297.000 297.000 - - - - 297.000 - 6 Month - - 0,00% - 0,00%
8 Commitments and contingencies - 12 Month - - 0,00% - 0,00%
a. Rupiah - - - - - - - - - - - - 5 Marketable securities issued - - 0,00% - 0,00%
TOTAL - - -
b. Foreign currencies - - - - - - - - - - - -
II. NON-RELATED PARTIES
Average Balance Retained Earnings
Type of Fund Distribution
1 Placements with other banks
A B
a. Rupiah 998 - - - - 998 919 - - - - 919 1 Placements with other banks - -
b. Foreign currencies - - - - - - - - - - - - 2 Murabahah receivables
2 Spot and forward receivables a. Bank - -
b. Non Bank - -
a. Rupiah - - - - - - - - - - - -
3 Istishna’ receivables
b. Foreign currencies - - - - - - - - - - - -
a. Bank - -
3 Securities
b. Non Bank - -
a. Rupiah 8.623.029 - - - - 8.623.029 8.067.396 - - - - 8.067.396 4 Multiservices ijarah receivables
b. Foreign currencies - - - - - - - - - - - - a. Bank - -
4 Acceptance receivables - - - - - - - - - - - - b. Non Bank - -
5 Receivables and ijarah 5 Funds of qardh
a. Bank - -
a Micro, small and medium enterprises (UMKM)
b. Non Bank - -
i. Rupiah 10.116.263 396.904 303.361 3.376 16.326 10.836.230 10.954.966 436.997 188.251 56.282 110.647 11.747.143
6 Mudharabah financing
ii. Foreign currencies - - - - - - - - - - - -
a. Bank - -
b. Non Micro, small and medium enterprises (UMKM) b. Non Bank - -
i. Rupiah 29.176 2 1 - - 29.179 20.727 4 - - 10 20.741 7 Musyarakah financing
ii. Foreign currencies - - - - - - - - - - - - a. Bank - -
b. Non Bank - -
c. Restructured loans
8 Ijarah receivables
i. Rupiah 508.043 7.973 12.973 356 15.910 545.255 938.489 202.412 125.798 52.887 85.143 1.404.729
a. Bank - -
ii. Foreign currencies - - - - - - - - - - - -
b. Non Bank - -
6 Profit sharing financing - - - - - - - - - - - -
9 Other financing
a Micro, small and medium enterprises (UMKM) a. Bank - -
i. Rupiah - - - - - - - - - - - - b. Non Bank - -
TOTAL - -
ii. Foreign currencies - - - - - - - - - - - -
b. Non Micro, small and medium enterprises (UMKM)
MANAGEMENT OF THE BANK AND SHARIA SUPERVISORY BOARD SHAREHOLDER
i. Rupiah 10.949 - - - - 10.949 61.249 - - - - 61.249
BOARD OF DIRECTORS : I. Ultimate shareholder :
ii. Foreign currencies - - - - - - - - - - - - • President Director : Hadi Wibowo PT Bank BTPN Tbk. 70,00%
c. Restructured loans • Director of Compliance : Arief Ismail Ultimate Controlling Shareholder : Sumitomo Mitsui Financial Group
• Director : Fachmy Achmad Via Sumitomo Mitsui Banking Corporation
i. Rupiah - - - - - - - - - - - -
• Director : Dwiyono Bayu Winantio II. Other Shareholders (≤ 5% each) : 30,00%
ii. Foreign currencies - - - - - - - - - - - - • Director : Dewi Nuzulianti
BOARD OF COMMISSIONERS :
7 Investment in share - - - - - - - - - - - -
• President Commissioner/Independent : Kemal Azis Stamboel
8 Commitments and contingencies • Independent Commissioner : Mulya Effendi Siregar
a. Rupiah - - - - - - - - - - - - • Independent Commissioner : Dewie Pelitawati
• Commissioner : Ongki Wanadjati Dana
b. Foreign currencies - - - - - - - - - - - -
SHARIA SUPERVISORY BOARD :
III. OTHER INFORMATIONS • Chairman : H. Ikhwan Abidin, MA
1 Bank assets pledge as collateral:
• Member : H. Muhamad Faiz, MA
a. To Bank Indonesia - -
b. To others parties - -
2 Foreclosed collateral - - Jakarta, 26 March 2024
S.E. & O
Board of Directors,
Notes:
1. The presentation of this published financial report is published in order to comply with Regulation no. 37/POJK.03/2019 of the Financial Services Authority dated 20 December 2019 on “Transparency and Publication of Bank Reports” and Circular no. 10/
SEOJK.03/2020 of the Financial Services Authority on “Transparency and Publication of Reports of Sharia Commercial Banks and Sharia Business Units”. And in order to comply with Regulation no. VIII.G.7, copy of the Decree of the Chairman of the Capital
Market and Financial Institutions Supervisory Agency No. Kep-347/BL/2012 dated 25 June 2012 concerning the presentation and disclosure of financial reports of issuers or public companies.
2. The above published financial report information for the year ended 31 December 2023 has been prepared based on the financial report of PT Bank BTPN Syariah Tbk. for the year ended 31 December 2023 which has been audited by the auditing firm
Siddharta Widjaja & Partners with the Partner in Charge Novie, S.E., CPA with an unqualified opinion in their report dated 07 February 2024.
3. For comparative purposes with the March 2024 figures the December 2023 Statement of Financial Position presents the Dividends Paid item separately as part of Equity. Hadi Wibowo Fachmy Ahmad
President Director Director
Page 3
LAPORAN KEUANGAN
PT Bank BTPN Syariah Tbk.
31 Maret 2024
LAPORAN POSISI KEUANGAN (NERACA) TRIWULANAN LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN TRIWULANAN LAPORAN PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM) TRIWULANAN
Tanggal 31 Maret 2024 dan 31 Desember 2023 (Dalam Jutaan Rupiah) Pada tanggal 31 Maret 2024 dan 2023 Tanggal 31 Maret 2024 dan 2023 (Dalam Jutaan Rupiah)
(Dalam jutaan Rupiah, kecuali laba bersih per saham)
INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI 31 Mar 2024 31 Mar 2023
No POS-POS 31 Mar 2024 31 Des 2023 31 Mar 2024 31 Des 2023 No POS-POS 31 Mar 2024 31 Mar 2023 31 Mar 2024 31 Mar 2023 No KOMPONEN MODAL Tidak Diaudit Tidak Diaudit
Tidak Diaudit Diaudit Tidak Diaudit Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
ASET PENDAPATAN DAN BEBAN OPERASIONAL I. Modal Inti (Tier 1)
1 Kas 589.487 497.153 589.487 497.153 A. Pendapatan dan Beban Operasional dari Penyaluran Dana 1 Modal Inti Utama (CET 1)
1 Pendapatan dari Penyaluran Dana 1.369.660 1.381.080 1.372.604 1.383.621 1.1 Modal Disetor (setelah dikurangi saham treasury) 770.345 770.345 770.308 770.308
2 Penempatan pada Bank Indonesia 654.285 763.443 654.285 763.443
a. Pendapatan dari piutang 1.2 Cadangan Tambahan Modal
3 Penempatan pada bank lain 4.466 4.715 247.326 245.119
4 Tagihan spot dan forward - - - - i. Murabahah 1.238.641 1.275.660 1.238.641 1.275.660 1.2.1 Faktor Penambah
5 Surat berharga dimiliki 8.623.029 8.491.180 8.705.475 8.571.244 ii. Istishna' - - - - 1.2.1.1 Penghasilan Komprehensif Lain
6 Tagihan atas surat berharga yang dibeli dengan janji - - - - iii. Multijasa - - - - 1.2.1.1.1 Selisih lebih karena penjabaran laporan keuangan - - - -
dijual kembali (reverse repo) iv. Ujrah - 149 - 149 1.2.1.1.2 Potensi keuntungan dari peningkatan nilai wajar aset keuangan yang diukur pada nilai wajar melalui - - 118 118
penghasilan komprehensif lain
7 Tagihan akseptasi - - - -
v. Lainnya - - - -
8 Piutang 1.2.1.1.3 Saldo surplus revaluasi aset tetap 5.239 5.239 5.239 5.239
b. Pendapatan dari bagi hasil
1.2.1.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
a. Piutang murabahah 10.865.078 11.367.662 10.865.078 11.367.662
i. Mudharabah - - - -
1.2.1.2.1 Agio saham biasa 880.356 880.356 879.174 879.174
b. Piutang istishna’ - - - -
ii. Musyarakah 408 1.583 408 1.583
1.2.1.2.2 Cadangan umum 145.000 145.000 105.000 105.000
c. Piutang multijasa - - - -
iii. Lainnya - - - -
1.2.1.2.3 Laba tahun-tahun lalu setelah diperhitungkan pajak 6.360.097 6.379.838 6.581.096 6.592.060
d. Piutang qardh 331 530 331 530
c. Pendapatan sewa - - - -
1.2.1.2.4 Laba tahun berjalan setelah diperhitungkan pajak 260.133 263.987 424.670 424.722
e. Piutang sewa - - - -
d. Lainnya 130.611 103.688 133.555 106.229 1.2.1.2.5 Dana setoran modal - - - -
9 Pembiayaan bagi hasil 2 Bagi Hasil untuk Pemilik Dana Investasi -/- 125.737 110.201 125.734 110.197
1.2.1.2.6 Modal sumbangan - - - -
a. Mudharabah - - - -
a. Non profit sharing 125.737 110.201 125.734 110.197 1.2.1.2.7 Waran yang diterbitkan - - - -
b. Musyarakah 10.949 19.669 10.949 19.669
b. Profit sharing - - - - 1.2.1.2.8 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham - - - -
c. Lainnya - - - - 3 Pendapatan Setelah Distribusi Bagi Hasil 1.243.923 1.270.879 1.246.870 1.273.424 1.2.2 Faktor Pengurang
10 Pembiayaan sewa - - - - B. Pendapatan dan Beban Operasional Selain Penyaluran Dana 1.2.2.1 Penghasilan Komprehensif Lain
11 Penyertaan modal 297.000 297.000 - -
Keuntungan/kerugian dari peningkatan/penurunan nilai wajar - - - - 1.2.2.1.1 Selisih kurang penjabaran laporan keuangan - - - -
1
12 Aset keuangan lainnya 246.214 240.402 246.214 240.402 aset keuangan
1.2.2.1.2 Potensi kerugian dari penurunan nilai wajar aset keuangan yang diukur pada nilai wajar melalui (223) (223) - -
13 Cadangan kerugian penurunan nilai aset keuangan -/- (1.091.705) (1.213.916) (1.092.117) (1.213.916) Keuntungan/kerugian dari penurunan/peningkatan nilai wajar - - - - penghasilan komprehensif lain
2
liabilitas keuangan
14 Salam - - - - 1.2.2.2 Cadangan Tambahan modal lainnya (other disclosed reserves)
3 Keuntungan/kerugian penjualan aset keuangan - - - -
15 Aset istishna’ dalam penyelesaian - - - - 1.2.2.2.1 Disagio saham biasa - - - -
4 Keuntungan/kerugian transaksi spot dan forward (realised) - - - -
Termin istishna’ -/- - - - - 1.2.2.2.2 Rugi tahun-tahun lalu yang dapat diperhitungkan - - - -
5 Keuntungan/kerugian dari penyertaan dengan equity method - - - -
16 Persediaan - - - - 1.2.2.2.3 Rugi tahun berjalan yang dapat diperhitungkan - - - -
6 Keuntungan/kerugian penjabaran transaksi valuta asing - - 2.395 (2.997)
17 Aset tidak berwujud 214.579 210.744 214.579 210.744 1.2.2.2.4 Selisih kurang antara Penyisihan Penghapusan Aset (PPA) dan Cadangan Kerugian Penurunan Nilai - - - -
7 Pendapatan bank selaku mudharib dalam mudharabah muqayyadah - - - - (CKPN) atas aset produktif
18 Aset tetap dan inventaris 368.995 376.224 369.012 376.242
8 Dividen - - - - 1.2.2.2.5 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam Trading Book - - - -
19 Aset nonproduktif
9 Komisi/provisi/fee dan administrasi 351 351 351 351 1.2.2.2.6 PPA atas aset nonproduktif yang wajib dibentuk - - - -
a. Properti terbengkalai - - - - 1.3 Kepentingan nonpengendali yang dapat diperhitungkan
10 Pendapatan lainnya 18.276 29.267 18.276 29.267
b. Agunan yang diambil alih - - - -
1.4 Faktor pengurang Modal Inti Utama
11 Beban bonus wadiah -/- 181 179 181 179
c. Rekening tunda - - - -
Beban (pemulihan) kerugian penurunan nilai aset keuangan 383.880 256.640 384.293 256.640 1.4.1 Perhitungan pajak tangguhan (245.369) (244.308) (147.460) (147.363)
d. Aset antar kantor - - - - 12
(impairment) -/- 1.4.2 Goodwill - - - -
20 Aset Lainnya 387.250 357.699 386.189 357.074 13 Kerugian terkait risiko operasional -/- 2.194 2.323 2.194 2.323 1.4.3 Seluruh Aset tidak berwujud lainnya (214.579) (214.579) (187.334) (187.334)
TOTAL ASET 21.169.958 21.412.505 21.196.808 21.435.366
14 Kerugian penurunan nilai aset lainnya (nonkeuangan) -/- - - - - 1.4.4 Penyertaan yang diperhitungan sbg faktor pengurang (297.000) - (297.000) -
LIABILITAS DAN EKUITAS
15 Beban tenaga kerja -/- 355.017 319.324 355.568 319.439 1.4.5 Kekurangan modal pada perusahaan anak asuransi - - - -
LIABILITAS 16 Beban promosi -/- 2.465 2.139 2.465 2.139 1.4.6 Eksposur sekuritisasi - - - -
1 Dana simpanan wadiah 17 Beban lainnya -/- 188.509 176.680 188.555 176.716 1.4.7 Faktor Pengurang modal inti lainnya
a. Giro 21.815 24.009 21.815 24.009 Pendapatan/ Beban Operasional Lainnya Bersih (913.619) (727.667) (912.234) (730.815) 1.4.7.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
b. Tabungan 2.133.815 2.197.988 2.133.814 2.197.988 LABA/ RUGI OPERASIONAL 330.304 543.212 334.636 542.609 2 Modal Inti Tambahan / Additional Tier 1 (AT 1)
2 Dana investasi non profit sharing PENDAPATAN DAN BEBAN NON OPERASIONAL 2.1 Instrumen yang memenuhi persyaratan AT-1 - - - -
a. Giro - - - - 1 Keuntungan/ kerugian penjualan aset tetap dan inventaris 1.630 834 1.630 834 2.2 Agio / disagio (+/-) - - - -
b. Tabungan 758.279 890.066 758.234 889.954 2 Pendapatan/ beban non operasional lainnya 203 (266) 200 (269) 2.3 Faktor Pengurang Modal Inti Tambahan
c. Deposito 8.825.487 9.030.866 8.825.487 9.030.866 LABA/ RUGI NON OPERASIONAL 1.833 568 1.830 565 2.3.1 Penempatan dana pada instrumen AT 1 dan/atau Tier 2 pada bank lain - - - -
3 Uang elektronik - - - - LABA/ RUGI TAHUN BERJALAN SEBELUM PAJAK 332.137 543.780 336.466 543.174 II. Modal Pelengkap (Tier 2)
4 Liabilitas kepada Bank Indonesia - - - - Pajak penghasilan 1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan Tier 2 - - - -
5 Liabilitas kepada bank lain - - - - a. Taksiran pajak tahun berjalan -/- (43.053) (104.528) (43.053) (104.528) 2 Agio / disagio - - - -
6 Liabilitas spot dan forward - - - - 3 Cadangan umum PPA atas aset produktif yang wajib dibentuk (paling tinggi 1,25% ATMR Risiko Kredit) 100.845 102.478 105.553 107.113
b. Pendapatan (beban) pajak tangguhan (28.951) (14.582) (29.387) (13.923)
7 Surat berharga diterbitkan - - - - LABA/ RUGI BERSIH TAHUN BERJALAN 260.133 424.670 264.026 424.723 4 Cadangan tujuan - - - -
8 Liabilitas akseptasi - - - - 5 Faktor Pengurang Modal Pelengkap
LABA/ RUGI KEPENTINGAN MINORITAS 39 1
9 Pembiayaan yang diterima - - - - 5.1 Sinking Fund - - - -
PENGHASILAN KOMPREHENSIF LAIN
10 Setoran jaminan - - - - 5.2 Penempatan dana pada instrumen Tier 2 pada bank lain - - - -
1 Pos-pos yang tidak akan direklasifikasi ke laba rugi
TOTAL MODAL 7.764.844 8.088.133 8.239.364 8.549.037
11 Liabilitas antar kantor - - - -
a. Keuntungan yang berasal dari revaluasi aset tetap - - - -
31 Mar 2024 31 Mar 2023 31 Mar 2024 31 Mar 2023
12 Liabilitas lainnya 955.711 515.313 955.844 515.416
b. Keuntungan/kerugian yang berasal dari pengukuran kembali atas Tidak Diaudit Tidak Diaudit Tidak Diaudit Tidak Diaudit
program pensiun manfaat pasti
- (93) - (93) KETERANGAN KETERANGAN
13 Dana investasi profit sharing - - - - INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI INDIVIDUAL KONSOLIDASI
14 Kepentingan minoritas (minority interest) 3.168 3.129 c. Lainnya - - - -
TOTAL LIABILITAS 12.695.107 12.658.242 12.698.362 12.661.362 2 Pos-pos yang akan direklasifikasi ke laba rugi ASET TERTIMBANG MENURUT RISIKO RASIO KPMM
EKUITAS a. Keuntungan/kerugian yang berasal dari penyesuaian akibat ATMR RISIKO KREDIT 7.660.485 7.792.328 8.321.526 8.447.927 Rasio CET 1 (%) 45,49% 47,01% 49,55% 51,03%
- - - -
penjabaran laporan keuangan dalam mata uang asing
15 Modal disetor ATMR RISIKO PASAR - - - - Rasio Tier 1 (%) 45,49% 47,01% 49,55% 51,03%
b. Keuntungan/kerugian yang berasal dari peningkatan nilai wajar
a. Modal dasar 2.750.000 2.750.000 2.750.000 2.750.000 ATMR RISIKO OPERASIONAL 9.185.583 9.194.553 8.092.909 8.095.128 Rasio Tier 2 (%) 0,60% 0,60% 0,64% 0,65%
(MTM) aset keuangan instrumen ekuitas yang diukur pada nilai (366) 55 (366) 55
b. Modal yang belum disetor -/- 1.979.630 1.979.630 1.979.630 1.979.630 wajar melalui penghasilan komprehensif lainnya TOTAL ATMR 16.846.068 16.986.881 16.414.435 16.543.055 Rasio KPMM (%) 46,09% 47,61% 50,20% 51,68%
c. Saham yang dibeli kembali (treasury stock) -/- 25 62 25 62 c. Lainnya - - - - RASIO KPMM SESUAI PROFIL RISIKO (%) 9,18% 9,18% 9,17% 9,17% CET 1 UNTUK BUFFER (%) 36,91% 38,43% 41,03% 42,51%
PENGHASILAN KOMPREHENSIF LAIN TAHUN BERJALAN ALOKASI PEMENUHAN KPMM SESUAI PROSENTASE BUFFER YANG WAJIB DIPENUHI
16 Tambahan modal disetor (366) (38) (366) (38)
SETELAH PAJAK PROFIL RISIKO OLEH BANK (%)
a. Agio 842.145 840.964 842.145 840.964 TOTAL LABA (RUGI) KOMPREHENSIF TAHUN BERJALAN 259.767 424.632 263.660 424.685
Dari CET 1 (%) 8,58% 8,58% 8,53% 8,52% Capital Conservation Buffer (%) 2,50% 2,50% 2,50% 2,50%
b. Disagio -/- - - - - Laba/Rugi Bersih Tahun Berjalan yang Dapat Diatribusikan Kepada :
Dari AT 1 (%) 0,00% 0,00% 0,00% 0,00% Countercyclical Buffer (%) 0,00% 0,00% 0,00% 0,00%
c. Modal sumbangan - - - - Pemilik 260.133 424.670 263.987 424.722
Dari Tier 2 (%) 0,60% 0,60% 0,64% 0,65% Capital Surcharge untuk Bank Sistemik (%) 0,00% 0,00% 0,00% 0,00%
d. Dana setoran modal - - - - Kepentingan Nonpengendali - - 39 1
e. Lainnya 20.916 20.916 20.916 20.916 TOTAL LABA/RUGI BERSIH TAHUN BERJALAN 260.133 424.670 264.026 424.723
17 Penghasilan komprehensif lain
CADANGAN KERUGIAN PENURUNAN NILAI DAN PENYISIHAN PENGHAPUSAN ASET
Laba/Rugi Komprehensif Tahun Berjalan yang Dapat Diatribusikan Kepada : Tanggal 31 Maret 2024 dan 2023 (Dalam Jutaan Rupiah)
a. Keuntungan 38.227 38.370 38.227 38.370
Pemilik 259.767 424.632 263.621 424.684
b. Kerugian 223 - 223 - INDIVIDUAL
Kepentingan Nonpengendali - - 39 1
18 Cadangan TOTAL LABA/RUGI KOMPREHENSIF TAHUN BERJALAN 259.767 424.632 263.660 424.685 No POS-POS 31 Mar 2024 31 Mar 2023
Tidak Diaudit Tidak Diaudit
a. Cadangan umum 145.000 125.000 145.000 125.000 DIVIDEN 540.397 - 540.397 -
CKPN PPA wajib dibentuk CKPN PPA wajib dibentuk
b. Cadangan tujuan - - - - LABA BERSIH PER SAHAM 34 55 34 55
Individual Kolektif Umum Khusus Individual Kolektif Umum Khusus
19 Laba/ rugi
a. Tahun-tahun lalu 6.938.705 6.599.517 6.958.446 6.610.482 LAPORAN KOMITMEN DAN KONTINJENSI TRIWULANAN 1 Penempatan pada bank lain - - 45 - - - 69 -
b. Tahun berjalan 260.133 1.071.723 263.987 1.080.499
Tanggal 31 Maret 2024 dan 31 Desember 2023 (Dalam Jutaan Rupiah) 2 Tagihan spot dan forward - - - - - - - -
INDIVIDUAL KONSOLIDASI 3 Surat berharga dimiliki - - 5.569 - - - 5.134 -
c. Dividen yang dibayarkan -/- 540.397 712.535 540.397 712.535
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK 8.474.851 8.754.263 8.498.446 8.774.004 No POS-POS 31 Mar 2024 31 Des 2023 31 Mar 2024 31 Des 2023 4 Tagihan akseptasi - - - - - - - -
Tidak Diaudit Diaudit Tidak Diaudit Diaudit 5 Piutang murabahah - 1.091.524 101.453 81.896 - 735.872 109.743 153.800
TOTAL EKUITAS 8.474.851 8.754.263 8.498.446 8.774.004
I. TAGIHAN KOMITMEN
6 Piutang istishna’ - - - - - - - -
TOTAL LIABILITAS DAN EKUITAS 21.169.958 21.412.505 21.196.808 21.435.366
1. Fasilitas pembiayaan yang belum ditarik - - - - 7 Piutang multijasa - - - - - - - -
2. Posisi valas yang akan diterima dari transaksi spot dan forward - - - -
LAPORAN ARUS KAS KONSOLIDASIAN 8 Piutang qardh - 72 2 71 - 50 14 37
3. Lainnya - - - -
Tanggal 31 Maret 2024 dan 2023 (Dalam Jutaan Rupiah)
9 Piutang Sewa - - - - - - - -
II. KEWAJIBAN KOMITMEN
10 Pembiayaan mudharabah - - - - - - - -
31 Mar 2024 31 Mar 2023
POS-POS 1. Fasilitas pembiayaan yang belum ditarik
Tidak Diaudit Tidak Diaudit 11 Pembiayaan musyarakah - 109 109 - - 612 612 -
ARUS KAS DARI AKTIVITAS OPERASI a. Committed - - - - 12 Pembiayaan lainnya - - - - - - - -
b. Uncommitted - - - - 13 Penyertaan modal - - 2.970 - - - 2.970 -
Penerimaan pendapatan dari pengelolaan dana 1.366.793 1.392.259
2. Irrevocable L/C yang masih berjalan - - - - 14 Komitmen dan Kontinjensi - - - - - - - -
Pembayaran bagi hasil dana syirkah temporer (127.497) (109.911)
3. Posisi valas yang akan diserahkan untuk transaksi spot dan forward - - - -
Penerimaan pendapatan administrasi 2.435 1.481
4. Lainnya - - - - LAPORAN TRANSAKSI SPOT DAN FORWARD TRIWULANAN
Penerimaan dari piutang murabahah yang dihapusbukukan 18.288 33.102 Tanggal 31 Maret 2024 Tidak Diaudit (Dalam Jutaan Rupiah)
III. TAGIHAN KONTINJENSI
Pembayaran beban tenaga kerja (514.818) (348.517)
1. Garansi yang diterima - - - - INDIVIDUAL
Pembayaran beban usaha lainnya (676.938) (424.369)
2. Pendapatan dalam penyelesaian No TRANSAKSI Tujuan Tagihan dan Liabilitas
Pembayaran terkait pendapatan (beban) non-operasional - bersih 171 (2.085) Nominal
a. Murabahah 43.012 44.738 43.012 44.738 Bukan Hedging Hedging Tagihan Liabilitas
Pembayaran pajak penghasilan badan (64.566) (108.503)
b. Istishna' - - - - A Terkait dengan Nilai Tukar
Arus kas sebelum perubahan dalam aset dan liabilitas operasi 3.868 433.457
c. Sewa - - - - 1 Spot - - - - -
Perubahan dalam aset operasi, liabilitas operasi dan dana syirkah temporer:
d. Bagi hasil - - - - 2 Forward - - - - -
Penurunan (kenaikan) aset operasi :
e. Lainnya - 1 - 1 3 Lainnya - - - - -
Penempatan pada Bank Indonesia dan bank lain - - B Lainnya - - - - -
3. Lainnya - - - -
Piutang murabahah 502.584 (302.169) IV. KEWAJIBAN KONTINJENSI JUMLAH - - - - -
Pembiayaan musyarakah 8.720 (974)
1. Garansi yang diberikan - - - -
Pinjaman qardh 199 1.473 2. Lainnya - - - -
LAPORAN DISTRIBUSI BAGI HASIL TRIWULANAN
Tanggal 31 Maret 2024 Tidak Diaudit (Dalam Jutaan Rupiah)
Aset lain-lain (20.082) (23.604)
Kenaikan (penurunan) liabilitas operasi:
LAPORAN RASIO KEUANGAN TRIWULANAN Net Revenue Sharing
Tanggal 31 Maret 2024 dan 2023
Liabilitas segera 15.763 11.685
31 Mar 2024 31 Mar 2023 Porsi Pemilik Dana
Simpanan nasabah (66.368) 16.047 No POS-POS Jenis Penghimpunan Dana Saldo Pendapatan yang
Tidak Diaudit Tidak Diaudit Rata-rata akan dibagihasilkan
Liabilitas lain-lain 40.128 8.027 Indikasi Rate
Rasio Kinerja Nisbah (%) Jumlah Bagi Hasil
of Return (%)
Hak minoritas - - 1 Kewajiban Penyediaan Modal Minimun (KPMM) 46,09% 50,20% A B C D E
Kenaikan dana syirkah temporer (337.099) 699.588 2 Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset non produktif 1,63% 1,76% 1 Liabilitas Kepada Bank Lain - - 0,00% - 0,00%
Arus kas bersih diperoleh dari aktivitas operasi 147.713 843.530 3 Aset produktif bermasalah terhadap total aset produktif 1,63% 1,76% 2 Giro Mudharabah
ARUS KAS DARI AKTIVITAS INVESTASI 4 Cadangan Kerugian Penurunan Nilai (CKPN) aset keuangan terhadap aset produktif 5,51% 3,64% a. Bank - - 0,00% - 0,00%
Hasil penjualan aset tetap 1.673 2.650 5 Non Performing Financing (NPF) gross 2,97% 3,00% b. Non Bank - - 0,00% - 0,00%
Pembelian aset tetap (12.049) (22.347) 6 Non Performing Financing (NPF) net 0,02% 0,50% 3 Tabungan Mudharabah
Pembelian aset tak berwujud (19.635) (33.930) 7 Return On Assets (ROA) 6,22% 9,98% a. Bank - - 0,00% - 0,00%
Pembelian surat berharga (2.812.350) (1.539.642) 8 Return On Equity (ROE) 13,17% 21,29% b. Non Bank 727.544 33.402 5,55% 1.854 3,10%
Penjualan surat berharga 744.943 1.661.175 9 Net Imbalan (NI) 24,72% 25,37% 4 Deposito Mudharabah
Arus kas bersih digunakan untuk aktivitas investasi (2.097.418) 67.906 10 Net Operating Margin (NOM) 6,19% 10,25% a. Bank
ARUS KAS DARI AKTIVITAS PENDANAAN 11 Beban Operasional terhadap Pendapatan Operasional (BOPO) 76,21% 61,49% - 1 Bulan - - 0,00% - 0,00%
12 Cost to Income Ratio (CIR) 43,43% 38,49% - 3 Bulan - - 0,00% - 0,00%
Pembayaran dari pinjaman yang diterima - (100.000)
13 Pembiayaan bagi hasil terhadap total pembiayaan 0,10% 0,52% - 6 Bulan - - 0,00% - 0,00%
Arus kas bersih digunakan untuk aktivitas pendanaan - (100.000)
14 Financing to Deposit Ratio (FDR) 92,65% 92,67% - 12 Bulan - - 0,00% - 0,00%
KENAIKAN BERSIH KAS DAN SETARA KAS (1.949.705) 811.436
Kepatuhan (Compliance)
b. Non Bank
KAS DAN SETARA KAS AWAL TAHUN 4.260.714 4.143.991
1 a. Persentase Pelanggaran BMPD - 1 Bulan 6.879.064 315.820 8,87% 31.572 5,58%
KAS DAN SETARA KAS AKHIR TAHUN 2.311.009 4.955.427 i. Pihak Terkait 0,00% 0,00% - 3 Bulan 1.714.452 78.711 8,88% 7.272 5,16%
Kas dan setara kas akhir tahun terdiri dari: ii. Pihak Tidak Terkait 0,00% 0,00% - 6 Bulan 322.754 14.817 8,16% 993 3,74%
Kas 589.487 874.025 b. Persentase Pelampauan BMPD - 12 Bulan 22.372 1.027 8,67% 56 3,05%
Giro pada Bank Indonesia 654.285 717.252 i. Pihak Terkait 0,00% 0,00% 5 Pembiayaan yang Diterima - - 0,00% - 0,00%
Giro pada bank lain 5.826 8.745 ii. Pihak Tidak Terkait 0,00% 0,00% Jumlah 9.666.186 443.777 41.747
Penempatan pada Bank Indonesia - 28.000 2 Giro Wajib Minimum (GWM)
Saldo Rata-rata Pendapatan yang Diterima
Penempatan pada Bank Lain 241.500 232.500 a. GWM rupiah 5,51% 5,92% Jenis Penyaluran Dana
i. Harian 0,00% 0,00% A B
Investasi pada surat berharga 819.911 3.094.905
ii. Rata-rata 5,51% 5,92% 1 Penempatan pada Bank Lain 8.709.963 62.632
INFORMASI TAMBAHAN UNTUK AKTIVITAS PENDANAAN YANG TIDAK MEMPENGARUHI KAS
2 Piutang Murabahah
b. GWM valuta asing (Harian) 0,00% 0,00%
Penyisihan saldo laba untuk dividen final (540.397) -
a. Bank - -
Jumlah aktivitas pendanaan yang tidak mempengaruhi kas (540.397) - 3 Posisi Devisa Neto (PDN) secara keseluruhan 0,00% 0,00%
b. Non Bank 11.110.348 375.828
3 Piutang Istishna
LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYA
(Dalam Jutaan Rupiah) a. Bank - -
Tanggal 31 Maret 2024 dan 2023
b. Non Bank - -
INDIVIDUAL
4 Piutang Multijasa
No POS-POS 31 Mar 2024 31 Mar 2023 a. Bank - -
Tidak Diaudit Tidak Diaudit
b. Non Bank - -
L DPK KL D M JUMLAH L DPK KL D M JUMLAH
5 Pembiayaan Gadai
I. PIHAK TERKAIT
a. Bank - -
1 Penempatan pada bank lain b. Non Bank - -
a. Rupiah 3.468 - - - - 3.468 5.983 - - - - 5.983 6 Pembiayaan Mudharabah
b. Valuta asing - - - - - - - - - - - - a. Bank - -
2 Tagihan spot dan forward b. Non Bank - -
7 Pembiayaan Musyarakah
a. Rupiah - - - - - - - - - - - -
a. Bank - -
b. Valuta asing - - - - - - - - - - - -
b. Non Bank 15.009 111
3 Surat berharga dimiliki
8 Pembiayaan Sewa
a. Rupiah - - - - - - - - - - - - a. Bank - -
b. Valuta asing - - - - - - - - - - - - b. Non Bank - -
4 Tagihan akseptasi - - - - - - - - - - - - 9 Pembiayaan Lainnya
a. Bank - -
5 Pembiayaan berbasis piutang dan sewa
b. Non Bank 455 -
a Nasabah UMKM - - - - - - - - - - - -
Jumlah 19.835.775 438.571
i. Rupiah - - - - - - - - - - - -
ii. Valuta asing - - - - - - - - - - - -
Profit Sharing
b. Bukan nasabah UMKM - - - - - - - - - - - - Porsi Pemilik Dana
Jenis Penghimpunan Dana Saldo Pendapatan yang akan
i. Rupiah - - - - - - - - - - - - Rata-rata dibagihasilkan Indikasi Rate
Nisbah (%) Jumlah Bagi Hasil
of Return (%)
ii. Valuta asing - - - - - - - - - - - -
A B C D E
c. Pembiayaan yang direstrukturisasi 1 Liabilitas Kepada Bank Lain
i. Rupiah - - - - - - - - - - - - 2 Giro Mudharabah
ii. Valuta asing - - - - - - - - - - - - a. Bank - - 0,00% - 0,00%
b. Non Bank - - 0,00% - 0,00%
6 Pembiayaan bagi hasil
3 Tabungan Mudharabah
a. Nasabah UMKM - - - - - - - - - - - -
a. Bank - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
b. Non Bank - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - 4 Deposito Mudharabah
b. Bukan nasabah UMKM a. Bank
i. Rupiah - - - - - - - - - - - - - 1 Bulan - - 0,00% - 0,00%
ii. Valuta asing - - - - - - - - - - - - - 3 Bulan - - 0,00% - 0,00%
- 6 Bulan - - 0,00% - 0,00%
c. Pembiayaan yang direstrukturisasi
- 12 Bulan - - 0,00% - 0,00%
i. Rupiah - - - - - - - - - - - -
b. Non Bank
ii. Valuta asing - - - - - - - - - - - -
- 1 Bulan - - 0,00% - 0,00%
7 Penyertaan modal 297.000 - - - - 297.000 297.000 - - - - 297.000 - 3 Bulan - - 0,00% - 0,00%
8 Komitmen dan kontinjensi - 6 Bulan - - 0,00% - 0,00%
a. Rupiah - - - - - - - - - - - - - 12 Bulan - - 0,00% - 0,00%
5 Pembiayaan yang Diterima - - 0,00% - 0,00%
b. Valuta asing - - - - - - - - - - - -
Jumlah - - -
II. PIHAK TIDAK TERKAIT
1 Penempatan pada bank lain
Saldo Rata-rata Pendapatan yang Diterima
Jenis Penyaluran Dana
a. Rupiah 998 - - - - 998 919 - - - - 919 A B
1 Penempatan pada Bank Lain - -
b. Valuta asing - - - - - - - - - - - -
2 Piutang Murabahah
2 Tagihan spot dan forward
a. Bank - -
a. Rupiah - - - - - - - - - - - -
b. Non Bank - -
b. Valuta asing - - - - - - - - - - - - 3 Piutang Istishna
3 Surat berharga dimiliki a. Bank - -
a. Rupiah 8.623.029 - - - - 8.623.029 8.067.396 - - - - 8.067.396 b. Non Bank - -
4 Piutang Multijasa
b. Valuta asing - - - - - - - - - - - -
a. Bank - -
4 Tagihan akseptasi - - - - - - - - - - - -
b. Non Bank - -
5 Pembiayaan berbasis piutang dan sewa
5 Pembiayaan Gadai
a Nasabah UMKM
a. Bank - -
i. Rupiah 10.116.263 396.904 303.361 3.376 16.326 10.836.230 10.954.966 436.997 188.251 56.282 110.647 11.747.143 b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - - 6 Pembiayaan Mudharabah
b. Bukan nasabah UMKM a. Bank - -
b. Non Bank - -
i. Rupiah 29.176 2 1 - - 29.179 20.727 4 - - 10 20.741
7 Pembiayaan Musyarakah
ii. Valuta asing - - - - - - - - - - - -
a. Bank - -
c. Pembiayaan yang direstrukturisasi
b. Non Bank - -
i. Rupiah 508.043 7.973 12.973 356 15.910 545.255 938.489 202.412 125.798 52.887 85.143 1.404.729
8 Pembiayaan Sewa
ii. Valuta asing - - - - - - - - - - - - a. Bank - -
6 Pembiayaan bagi hasil - - - - - - - - - - - - b. Non Bank - -
a. Nasabah UMKM 9 Pembiayaan Lainnya
a. Bank - -
i. Rupiah - - - - - - - - - - - -
b. Non Bank - -
ii. Valuta asing - - - - - - - - - - - -
Jumlah - -
b. Bukan nasabah UMKM
i. Rupiah 10.949 - - - - 10.949 61.249 - - - - 61.249 DIREKSI, DEWAN KOMISARIS, DAN DEWAN PENGAWAS SYARIAH PEMEGANG SAHAM
ii. Valuta asing - - - - - - - - - - - - Direksi : I. Pemegang Saham Pengendali (PSP) :
c. Pembiayaan yang direstrukturisasi • Direktur Utama : Hadi Wibowo PT Bank BTPN Tbk. 70,00%
• Direktur Kepatuhan : Arief Ismail Pemegang Saham Pengendali Terakhir : Sumitomo Mitsui Financial Group
i. Rupiah - - - - - - - - - - - -
• Direktur : Fachmy Achmad melalui Sumitomo Mitsui Banking Corporation
ii. Valuta asing - - - - - - - - - - - - • Direktur : Dwiyono Bayu Winantio II. Masyarakat lainnya masing-masing (≤ 5%) : 30,00%
• Direktur : Dewi Nuzulianti
7 Penyertaan modal - - - - - - - - - - - -
Dewan Komisaris :
8 Komitmen dan kontinjensi • Komisaris Utama/Independen : Kemal Azis Stamboel
a. Rupiah - - - - - - - - - - - - • Komisaris Independen : Mulya Effendi Siregar
• Komisaris Independen : Dewie Pelitawati
b. Valuta asing - - - - - - - - - - - -
• Komisaris : Ongki Wanadjati Dana
III. INFORMASI LAIN Dewan Pengawas Syariah :
1 Total aset bank yang dijaminkan:
• Ketua : H. Ikhwan Abidin, MA
• Anggota : H. Muhamad Faiz, MA
a. Pada Bank Indonesia - -
b. Pada pihak lain - -
2 Agunan yang diambil alih - -
Jakarta, 26 Maret 2024
S.E. & O
Direksi,
Catatan:
1. Penyajian laporan keuangan publikasi ini diterbitkan guna memenuhi Peraturan Otoritas Jasa Keuangan No. 37/POJK.03/2019 tanggal 20 Desember 2019 tentang “Transparansi dan Publikasi Laporan Bank” dan Surat Edaran Otoritas Jasa keuangan No.
10/SEOJK.03/2020 tentang “Transparansi dan Publikasi Laporan Bank Umum Syariah dan Unit Usaha Syariah”. Serta guna memenuhi Peraturan No. VIII.G.7, Salinan Keputusan Ketua Badan Pengawas Pasar Modal & Lembaga Keuangan No. Kep-347/
BL/2012 tanggal 25 Juni 2012 tentang Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik.
2. Informasi Laporan Keuangan Publikasi untuk tahun yang berakhir pada tanggal 31 Desember 2023 di atas disusun berdasarkan Laporan Keuangan PT Bank BTPN Syariah Tbk. untuk tahun yang berakhir pada tanggal 31 Desember 2023 yang telah
diaudit oleh Kantor Akuntan Publik Siddharta Widjaja & Rekan dengan rekan penanggung jawab Novie, S.E., CPA dengan opini tanpa modifikasian dalam laporannya tertanggal 07 Februari 2024.
3. Untuk komparatif dengan angka Maret 2024 maka pada Laporan Posisi Keuangan Desember 2023 pos Dividen yang Dibayarkan disajikan tersendiri sebagai bagian dari Ekuitas. Hadi Wibowo Fachmy Ahmad
Direktur Utama Direktur
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
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Bank Indonesia
p.2 ×12
unresolved
org
Bank CASH AND CASH EQUIVALENTS AT BEGINNING
p.2
unresolved
org
Via Sumitomo Mitsui Banking Corporation
p.2
unresolved
person
H. Muhamad Faiz
p.2 ×2
unresolved
org
Financial Services Authority
p.2 ×2
unresolved
org
Siddharta Widjaja & Partners
p.2
unresolved
person
Charge Novie
p.2
unresolved
org
Bank Sistemik
p.3
unresolved
—
PSP
· Pemegang Saham Pengendali
p.3
unresolved
org
Sumitomo Mitsui Banking Corporation
p.3
unresolved
org
Bank Umum Syariah
p.3
unresolved
org
Pengawas Pasar Modal & Lembaga Keuangan
p.3
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja & Rekan
p.3
unresolved
org
Kantor Akuntan Publik Siddharta Widjaja
p.3
unresolved
person
Novie
p.3
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