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Nomor Surat 005/KPBD/XBRL-IDX/MW/III/2024
Nama Emiten Bank of India Indonesia Tbk
Kode Emiten BSWD
Perihal Penyampaian Laporan Keuangan Tahunan
Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2023 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 of Perbankan Jl H. 2023 Devisa 6.128.562.060.955 PENUH IDR
India Samanhudi
Indonesia No. 37 jakarta
Pusat
Dokumen ini merupakan dokumen resmi Bank of India Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
Bank of India Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
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[1000000] General information
Informasi umum General information
2023-12-31
Informasi umum General information
Nama entitas Bank of India 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 BSWD Entity code
Nomor identifikasi entitas AA389 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 Foreign Corporation Controlling shareholder information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempat entitas tercatat Pemantauan Khusus / Watchlist Type of board on which the entity is listed
Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas Entitas tunggal / Single entity Whether the financial statements are of an individual entity or a group of entities
Periode penyampaian laporan keuangan Tahunan / Annual Period of financial statements submissions
Tanggal Surat Pernyataan Direksi March 27, 2024 Date Of Board Of Directors' Statement Letter
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan December 31, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 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 Conversion rate at reporting date if presentation currency is other than rupiah
Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan Satuan Penuh / Full Amount Level of rounding used in financial statements
Jenis laporan atas laporan keuangan Diaudit / Audited 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 Any Key Audit Matters Opinion
Jumlah Hal Audit Utama Total Key Audit Matters
Paragraf Hal Audit Utama Key Audit Matters Paragraph
Tanggal laporan audit atau hasil laporan review 2024-03-27 Date of auditor's opinion or result of review report
Auditor tahun berjalan Kanaka Puradiredja, Suhartono Current year auditor
Nama partner audit tahun berjalan Harris Siregar SE Name of current year audit signing partner
Lama tahun penugasan partner yang menandatangani Number of years served as audit signing partner
Auditor tahun sebelumnya KAP Tanubarata Sutanto Fahmi Bambang & Rekan Prior year auditor
Nama partner audit tahun sebelumnya Sutomo SE 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
2023-12-31 2022-12-31
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 11,454,169,225 14,605,131,988 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada Bank Indonesia 189,005,478,214 227,855,896,308 Current accounts with Bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 6,638,703,772 57,630,231,417 Current accounts with other banks third parties
Giro pada bank lain pihak berelasi 1,026,457,910 1,492,130,815 Current accounts with other banks related parties
Cadangan kerugian penurunan nilai pada giro pada bank lain 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 229,674,724,871 37,994,988,095 Placements with Bank Indonesia and other banks third parties
Penempatan pada Bank Indonesia dan bank lain pihak berelasi Placements with Bank Indonesia and other banks related parties
Cadangan kerugian penurunan nilai pada penempatan pada bank lain 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 Marketable securities third parties
Efek-efek yang diperdagangkan pihak berelasi Marketable securities related parties
Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan 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 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 1,296,935,193 Acceptance receivables third parties
Tagihan akseptasi pihak berelasi Acceptance receivables related parties
Cadangan kerugian penurunan nilai pada tagihan akseptasi Allowance for impairment losses for acceptance receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak ketiga 153,100,000 Derivative receivables third parties
Tagihan derivatif pihak berelasi Derivative receivables related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan pihak ketiga 3,716,133,938,378 2,385,452,728,052 Loans third parties
Pinjaman yang diberikan pihak berelasi 19,679,324 119,707,292,604 Loans related parties
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 166,948,002,265 ) ( 151,349,601,125 ) 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 Consumer financing receivables third parties
Piutang pembiayaan konsumen pihak berelasi Consumer financing receivables related parties
Cadangan kerugian penurunan nilai pada piutang pembiayaan konsumen 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 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 Allowance for impairment losses for lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga 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 Allowance for impairment losses for factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai pada piutang lainnya Allowance for impairment losses for other receivables
Aset keuangan lainnya 1,832,934,130,342 3,000,815,538,434 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 2,817,254,779 5,732,683,555 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 23,326,271,788 27,725,278,667 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 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill Goodwill
Aset takberwujud selain goodwill 4,721,638,125 7,963,508,207 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 126,816,505,056 127,786,841,823 Property, plant, and equipment
Aset hak guna Right of use assets
Aset pengampunan pajak Tax amnesty assets
Agunan yang diambil alih 128,874,080,000 158,554,000,000 Foreclosed assets
Aset lainnya 20,616,996,243 38,079,234,849 Other assets
Jumlah aset 6,128,562,060,955 6,060,045,883,689 Total assets
Liabilitas, dana syirkah temporer dan ekuitas Liabilities, temporary syirkah funds and equity
Liabilitas Liabilities
Liabilitas segera 1,297,539,962 60,576,253,048 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 349,245,921,759 256,860,741,626 Current accounts third parties
Giro pihak berelasi 161,884,366 26,690,594,139 Current accounts related parties
Giro wadiah Wadiah demand deposits
Giro wadiah pihak ketiga Wadiah demand deposits third parties
Giro wadiah pihak berelasi Wadiah demand deposits related parties
Tabungan Savings
Tabungan pihak ketiga 172,856,906,613 120,097,692,277 Savings third parties
Tabungan pihak berelasi 1,086,022,997 2,815,555,664 Savings related parties
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Tabungan wadiah Wadiah savings
Tabungan wadiah pihak ketiga Wadiah savings third parties
Tabungan wadiah pihak berelasi Wadiah savings related parties
Deposito berjangka Time deposits
Deposito berjangka pihak ketiga 2,175,849,595,273 1,866,023,495,999 Time deposits third parties
Deposito berjangka pihak berelasi 1,601,774,044 100,051,952,112 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 43,747,469 264,683,397,469 Other banks deposits related parties
Simpanan dari bank lain pihak ketiga Other banks deposits third parties
Efek yang dijual dengan janji untuk dibeli kembali Securities sold with repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 97,120,658 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 1,296,935,193 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 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 Bonds payable
Sukuk Sukuk
Obligasi subordinasi 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 2,013,532,436 235,825,663 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 8,105,580,842 1,699,317,114 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 16,446,727,769 10,632,748,317 Other liabilities
Kewajiban imbalan pasca kerja 20,017,767,248 17,436,161,590 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 2,750,121,056,629 2,727,803,735,018 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 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 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) Mudharabah saving deposits (ummat)
Deposito berjangka mudharabah 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 Total temporary syirkah funds
Jumlah akumulasi dana tabarru Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada pemilik entitas induk Equity attributable to equity owners of parent entity
Saham biasa 737,773,369,000 477,772,295,600 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 2,895,153,904,971 1,858,669,611,371 Additional paid-in capital
Saham treasuri Treasury stocks
Uang muka setoran modal 1,300,000,000,000 Advances in capital stock
Opsi saham Stock options
Penjabaran laporan keuangan Translation adjustment
Cadangan revaluasi 107,626,614,466 107,626,614,466 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 ( 1,327,383,553 ) ( 2,209,480,784 ) 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 Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan penggunaanya Appropriated retained earnings
Cadangan umum dan wajib 20,000,000,000 20,000,000,000 General and legal reserves
Cadangan khusus Specific reserves
Saldo laba yang belum ditentukan penggunaannya ( 380,785,500,558 ) ( 429,616,891,982 ) Unappropriated retained earnings
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk 3,378,441,004,326 3,332,242,148,671 Total equity attributable to equity owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali Non-controlling interests
Jumlah ekuitas 3,378,441,004,326 3,332,242,148,671 Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas 6,128,562,060,955 6,060,045,883,689 Total liabilities, temporary syirkah funds and equity
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[4322000] Statement of profit or loss and other comprehensive income, OCI components presented before tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
2023-12-31 2022-12-31
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 355,024,952,208 213,371,366,764 Interest income
Beban bunga ( 100,381,834,109 ) ( 74,161,566,051 ) 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 Realised gains (losses) on trading of marketable securities
Keuntungan (kerugian) perubahan nilai wajar efek 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 1,752,145,621 4,011,214,675 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 4,895,279,820 ( 987,235,012 ) Realised gains (losses) from derivative instruments
Penerimaan kembali aset yang telah dihapusbukukan 8,616,075,500 Revenue from recovery of written-off assets
Keuntungan (kerugian) selisih kurs mata uang asing ( 3,719,788,647 ) 3,100,405,150 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 2,045,345,175 1,218,356,013 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 Recovery of impairment loss of non-financial assets repossessed collaterals
Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi Recovery of estimated loss of commitments and contingency
Pembentukan kerugian penurunan nilai Allowances for impairment losses
Pembentukan penyisihan kerugian penurunan nilai aset produktif ( 115,282,236,554 ) ( 48,996,665,284 ) Allowances for impairment losses on earnings assets
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif 2,600,000,000 10,010,000,000 Allowances for impairment losses on non-earnings assets
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi Reversal (expense) of estimated losses on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi ( 88,346,381,128 ) ( 97,089,996,247 ) General and administrative expenses
Beban penjualan Selling expenses
Beban sewa, pemeliharaan, dan perbaikan ( 3,141,905,950 ) ( 3,158,243,122 ) Rent, maintenance and improvement expenses
Beban provisi dan komisi ( 2,234,395,294 ) ( 2,185,751,788 ) Other fees and commissions expenses
Beban operasional lainnya ( 1,713,172,192 ) ( 3,531,758,228 ) Other operating expenses
Jumlah laba operasional 60,114,084,450 1,600,126,870 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional 477,479,941 110,524,917 Non-operating income
Beban bukan operasional ( 1,789,107,957 ) 5,149,982,223 Non-operating expenses
Bagian atas laba (rugi) entitas asosiasi yang dicatat dengan menggunakan metode ekuitas 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 58,802,456,434 6,860,634,010 Total profit (loss) before tax
Pendapatan (beban) pajak ( 9,971,065,010 ) 9,729,133,375 Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang dilanjutkan 48,831,391,424 16,589,767,385 Total profit (loss) from continuing operations
Laba (rugi) dari operasi yang dihentikan Profit (loss) from discontinued operations
Jumlah laba (rugi) 48,831,391,424 16,589,767,385 Total profit (loss)
Pendapatan komprehensif lainnya, sebelum pajak Other comprehensive income, before tax
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil revaluasi aset tetap, sebelum pajak ( 1,759,307,722 ) Other comprehensive income for gains (losses) on revaluation of property and equipment, before tax
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, sebelum pajak 1,130,893,886 1,752,521,238 Other comprehensive income for remeasurement of defined benefit obligation, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Other adjustments to other comprehensive income that will not be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak 1,130,893,886 ( 6,786,484 ) Total other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that may be reclassified to profit or loss, before tax
Keuntungan (kerugian) selisih kurs penjabaran, sebelum pajak Gains (losses) on exchange differences on translation, before tax
Penyesuaian reklasifikasi selisih kurs penjabaran, sebelum pajak Reclassification adjustments on exchange differences on translation, before tax
Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan melalui penghasilan komprehensif lain, sebelum pajak Unrealised gains (losses) on changes in fair value through other comprehensive income, before tax
Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui pendapatan komprehensif lainnya, sebelum pajak Reclassification adjustments on fair value through other comprehensive income financial assets, before tax
Keuntungan (kerugian) lindung nilai arus kas, sebelum pajak Gains (losses) on cash flow hedges, before tax
Penyesuaian reklasifikasi atas lindung nilai arus kas, sebelum pajak Reclassification adjustments on cash flow hedges, before tax
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan besar terjadi yang dilindung nilai, sebelum pajak Carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged on highly probable forecast transaction, adjusted from equity, before tax
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak Gains (losses) on hedges of net investments in foreign operations, before tax
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak Reclassification adjustments on hedges of net investments in foreign operations, before tax
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang dicatat dengan menggunakan metode ekuitas, sebelum pajak Share of other comprehensive income of associates accounted for using equity method, before tax
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama yang dicatat dengan menggunakan metode ekuitas, sebelum pajak Share of other comprehensive income of joint ventures accounted for using equity method, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Other adjustments to other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Total other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya, sebelum pajak 1,130,893,886 ( 6,786,484 ) Total other comprehensive income, before tax
Pajak atas pendapatan komprehensif lainnya ( 248,796,655 ) 1,493,027 Tax on other comprehensive income
Jumlah pendapatan komprehensif lainnya, setelah pajak 882,097,231 ( 5,293,457 ) Total other comprehensive income, after tax
Jumlah laba rugi komprehensif 49,713,488,655 16,584,473,928 Total comprehensive income
Laba (rugi) yang dapat diatribusikan Profit (loss) attributable to
Laba (rugi) yang dapat diatribusikan ke entitas induk 48,831,391,424 16,589,767,385 Profit (loss) attributable to parent entity
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali 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 49,713,488,655 16,584,473,928 Comprehensive income attributable to parent entity
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali 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 13 7 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 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 477,772,295,600 1,858,669,611,371 1,300,000,000,000 107,626,614,466 ( 2,209,480,784 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 477,772,295,600 1,858,669,611,371 1,300,000,000,000 107,626,614,466 ( 2,209,480,784 )
Laba (rugi)
Pendapatan komprehensif lainnya 882,097,231
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa 260,001,073,400 1,036,484,293,600 ( 1,300,000,000,000 )
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 737,773,369,000 2,895,153,904,971 107,626,614,466 ( 1,327,383,553 )
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 277,760,000,000 1,061,770,459,710 1,000,000,000,000 108,998,874,489 ( 3,576,447,350 )
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 277,760,000,000 1,061,770,459,710 1,000,000,000,000 108,998,874,489 ( 3,576,447,350 )
Laba (rugi)
Pendapatan komprehensif lainnya ( 1,372,260,023 ) 1,366,966,566
Penjabaran laporan keuangan
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa 200,012,295,600 796,899,151,661 ( 1,000,000,000,000 )
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 1,300,000,000,000
Posisi ekuitas, akhir periode 477,772,295,600 1,858,669,611,371 1,300,000,000,000 107,626,614,466 ( 2,209,480,784 )
Page 8
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement of cash flows
2023-12-31 2022-12-31
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 356,802,658,981 206,000,589,911 Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi ( 104,232,187,095 ) ( 74,752,138,695 ) 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 12,634,917,592 14,581,989,038 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 ( 27,844,750,210 ) ( 39,531,214,995 ) Payments of finance costs and bank administration charges
Pembayaran gaji dan tunjangan ( 45,632,326,181 ) ( 41,431,885,367 ) 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 Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan Refunds (payments) of income tax
Pembayaran beban operasional lainnya Payments for other operating expenses
Penerimaan pendapatan non-operasional 8,151,109,049 5,002,957,223 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 Decrease (increase) in placements with other banks and Bank Indonesia
Penurunan (kenaikan) efek yang diperdagangkan Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali 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 ( 1,283,597,512,461 ) ( 830,991,409,178 ) Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa 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 Decrease (increase) in other receivables
Penurunan (kenaikan) agunan yang diambil alih Decrease (increase) in foreclosed assets
Penurunan (kenaikan) tagihan derivatif 153,100,000 ( 2,974,318 ) Decrease (increase) in derivative receivables
Penurunan (kenaikan) aset reasuransi Decrease (increase) in reinsurance assets
Penurunan (kenaikan) aset lainnya 22,620,344,152 ( 7,218,222,809 ) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera ( 59,278,713,086 ) 50,790,474,525 Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah 116,886,152,027 ( 12,520,142,648 ) Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah 211,375,921,208 330,889,268,620 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 ( 264,639,650,000 ) 122,101,954,100 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 Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi 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 Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya 1,979,464,794 320,593,681 Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi ( 1,054,621,471,230 ) ( 276,760,160,912 ) 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 1,422,248,171,091 ( 1,670,405,567,625 ) 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 ( 7,402,451,962 ) ( 8,406,563,722 ) Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill 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 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 ( 254,366,762,999 ) ( 326,819,629,092 ) Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi 1,160,478,956,130 ( 2,005,631,760,439 ) 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 Proceeds from borrowings
Pembayaran pinjaman yang diterima 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 Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan Subordinated bonds issued
Pembayaran obligasi subordinasi 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 61,478,000 Proceeds from issuance of new stocks
Pembayaran biaya emisi saham ( 3,514,633,000 ) ( 3,150,030,739 ) Payments of stock issuance costs
Penerimaan setoran modal 1,300,000,000,000 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 ( 275,884,568 ) ( 385,200,000 ) Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan ( 3,790,517,568 ) 1,296,526,247,261 Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas 102,066,967,332 ( 985,865,674,090 ) Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode 339,578,378,623 1,324,158,211,425 Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas ( 3,845,811,963 ) 1,285,841,288 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 437,799,533,992 339,578,378,623 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
2023-12-31
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 87,302,045,554 87,302,045,554 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 38,498,261,194 38,498,261,194 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 18,200,203,113 844,729,535 ( 253,356,580 ) 18,791,576,068 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 3,670,941,375 1,695,522,523 ( 1,334,919,375 ) 4,031,544,523 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 147,671,451,236 2,540,252,058 ( 1,588,275,955 ) 148,623,427,339 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 5,240,246,281 1,044,444,443 6,284,690,724 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 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 Others, right of use assets
Aset hak guna 5,240,246,281 1,044,444,443 6,284,690,724 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 152,911,697,517 3,584,696,501 ( 1,588,275,955 ) 154,908,118,063 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung 2,867,658,802 1,912,153,343 4,779,812,145 Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 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 16,953,043,530 731,227,956 ( 252,940,585 ) 17,431,330,901 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 3,068,141,257 492,067,564 ( 1,334,919,368 ) 2,225,289,453 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 22,888,843,589 3,135,448,863 ( 1,587,859,953 ) 24,436,432,499 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 2,236,012,105 1,419,168,403 3,655,180,508 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 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 Others, right of use assets
Aset hak guna 2,236,012,105 1,419,168,403 3,655,180,508 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 25,124,855,694 4,554,617,266 ( 1,587,859,953 ) 28,091,613,007 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 127,786,841,823 ( 969,920,765 ) ( 416,002 ) 126,816,505,056 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 87,302,045,554 87,302,045,554 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 38,343,853,194 154,408,000 38,498,261,194 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 18,357,519,964 418,688,000 ( 576,004,851 ) 18,200,203,113 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 4,138,741,375 442,200,000 ( 910,000,000 ) 3,670,941,375 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 148,142,160,087 1,015,296,000 ( 1,486,004,851 ) 147,671,451,236 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 5,576,128,543 1,636,524,458 ( 1,972,406,720 ) 5,240,246,281 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 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 Others, right of use assets
Aset hak guna 5,576,128,543 1,636,524,458 ( 1,972,406,720 ) 5,240,246,281 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 153,718,288,630 2,651,820,458 ( 3,458,411,571 ) 152,911,697,517 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung 960,074,931 1,907,583,871 2,867,658,802 Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 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 16,683,046,448 845,251,840 ( 575,254,758 ) 16,953,043,530 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 3,898,493,693 79,647,563 ( 909,999,999 ) 3,068,141,257 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 21,541,615,072 2,832,483,274 ( 1,485,254,757 ) 22,888,843,589 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 2,103,290,999 1,733,821,962 ( 1,601,100,856 ) 2,236,012,105 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 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 Others, right of use assets
Aset hak guna 2,103,290,999 1,733,821,962 ( 1,601,100,856 ) 2,236,012,105 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 23,644,906,071 4,566,305,236 ( 3,086,355,613 ) 25,124,855,694 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 130,073,382,559 ( 1,914,484,778 ) ( 372,055,958 ) 127,786,841,823 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
2023-12-31
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and equipment
Page 14
[4611100a_BD] Notes to the financial statements - Loans and Sharia receivables - by currency, related parties and third parties (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties
Jumlah pinjaman berdasarkan mata Jumlah pinjaman berdasarkan mata
uang dan pihak uang dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman konvensional Pihak berelasi Rupiah 19,679,324 Rupiah Related parties Conventional loans Pinjaman konvensional Pihak berelasi Rupiah 100,280,157,685 Rupiah Related parties Conventional loans
Mata uang asing Foreign currencies Mata uang asing 19,427,134,919 Foreign currencies
Subjumlah Seluruh Mata Uang 19,679,324 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 119,707,292,604 Subtotal on all Currencies
Pihak ketiga Rupiah 3,058,492,928,728 Rupiah Third parties Pihak ketiga Rupiah 1,736,288,537,292 Rupiah Third parties
Mata uang asing 657,641,009,650 Foreign currencies Mata uang asing 649,164,190,760 Foreign currencies
Subjumlah Seluruh Mata Uang 3,716,133,938,378 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 2,385,452,728,052 Subtotal on all Currencies
Pinjaman syariah Pihak berelasi Rupiah Rupiah Related parties Sharia loans Pinjaman syariah Pihak berelasi Rupiah Rupiah Related parties Sharia loans
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties Pinjaman berdasarkan mata uang dan pihak Loans by currencies and parties
Jumlah pinjaman berdasarkan mata Jumlah pinjaman berdasarkan mata
uang dan pihak uang dan pihak
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Pinjaman konvensional Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 3,716,153,617,702 Subtotal on all Currencies Subtotal on all Parties Conventional loans Pinjaman konvensional Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 2,505,160,020,656 Subtotal on all Currencies Subtotal on all Parties Conventional loans
Pinjaman syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Sharia loans Pinjaman syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Sharia loans
Jumlah Pinjaman konvensional dan syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 3,716,153,617,702 Subtotal on all Currencies Subtotal on all Parties Total Conventional and sharia loans Jumlah Pinjaman konvensional dan syariah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 2,505,160,020,656 Subtotal on all Currencies Subtotal on all Parties Total Conventional and sharia loans
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
2023-12-31 2022-12-31
Jumlah pinjaman berdasarkan mata uang dan pihak Total loans by currencies and parties
Jumlah pinjaman, kotor 3,716,153,617,702 2,505,160,020,656 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 166,948,002,265 ) ( 151,349,601,125 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 3,549,205,615,437 2,353,810,419,531 Total loans, net
Page 15
[4612100a_BD] Notes to the financial statements - Loans and Sharia receivables - by type (breakdown) - Financial and Sharia Industry
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 2,689,535,839,048 90,251,679,722 3,652,312,969 101,168,989,347 2,884,608,821,086 Rupiah Working capital
Investasi 142,254,394,998 142,254,394,998 Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan 374,045,519 374,045,519 Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen 31,275,346,449 31,275,346,449 Consumer
Subjumlah Pinjaman berdasarkan tipe 2,863,439,626,014 90,251,679,722 3,652,312,969 101,168,989,347 3,058,512,608,052 Subtotal Loans by type
Mata uang asing Modal kerja 353,492,695,196 104,627,445,962 128,474,448,128 586,594,589,286 Foreign currencies Working capital
Investasi 69,789,805,603 1,256,614,761 71,046,420,364 Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe 423,282,500,799 105,884,060,723 128,474,448,128 657,641,009,650 Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Rupiah Modal kerja 1,465,275,410,498 99,648,388,721 103,043,489,347 10,107,977,516 51,622,342,027 1,729,697,608,109 Rupiah Working capital
Investasi 40,445,810,879 27,605,288,413 4,218,308,510 72,269,407,802 Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan 546,712,087 14,632,327 561,344,414 Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen 31,892,001,913 2,050,790,528 97,542,211 34,040,334,652 Consumer
Subjumlah Pinjaman berdasarkan tipe 1,538,159,935,377 129,304,467,662 103,141,031,558 10,107,977,516 55,855,282,864 1,836,568,694,977 Subtotal Loans by type
Mata uang asing Modal kerja 356,625,360,659 176,163,515,338 58,152,031,192 590,940,907,189 Foreign currencies Working capital
Investasi 76,135,159,778 1,515,258,712 77,650,418,490 Investment
Sindikasi Syndicated
Program pemerintah Government programs
Karyawan Employee
Ekspor Export
Subjumlah pinjaman lainnya Others, subtotal loans
Konsumen Consumer
Subjumlah Pinjaman berdasarkan tipe 432,760,520,437 177,678,774,050 58,152,031,192 668,591,325,679 Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 3,286,722,126,813 196,135,740,445 132,126,761,097 101,168,989,347 3,716,153,617,702 Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Jumlah pinjaman, kotor
Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe 1,970,920,455,814 306,983,241,712 103,141,031,558 10,107,977,516 114,007,314,056 2,505,160,020,656 Subtotal on all Currencies Subtotal Loans by type
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor 3,286,722,126,813 101,168,989,347 132,126,761,097 196,135,740,445 3,716,153,617,702 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 36,313,489,859 ) ( 59,484,494,674 ) ( 29,460,464,599 ) ( 41,689,553,133 ) ( 166,948,002,265 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 3,250,408,636,954 41,684,494,673 102,666,296,498 154,446,187,312 3,549,205,615,437 Total loans, net
Pinjaman berdasarkan tipe Loans by type
Current Loss Substandard Doubtful Special mention Total Loans by collectibility
Jumlah Pinjaman berdasarkan
Lancar Macet Kurang lancar Diragukan Dalam perhatian khusus
kolektibilitas
Jumlah pinjaman berdasarkan tipe Total loans by type
Jumlah pinjaman, kotor 1,970,920,455,814 114,007,314,056 103,141,031,558 10,107,977,516 306,983,241,712 2,505,160,020,656 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 17,283,204,248 ) ( 60,089,328,910 ) ( 43,895,158,472 ) ( 2,186,705,000 ) ( 27,895,204,495 ) ( 151,349,601,125 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 1,953,637,251,566 53,917,985,146 59,245,873,086 7,921,272,516 279,088,037,217 2,353,810,419,531 Total loans, net
Page 16
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
2023-12-31
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 326,367,312,514 12,916,057,965 3,500,000,000 342,783,370,479 Rupiah Manufacturing Rupiah Perindustrian 284,314,056,206 9,980,780,707 12,581,375,841 306,876,212,754 Rupiah
Perdagangan, restoran dan hotel 846,777,999,445 43,622,869,022 152,312,969 890,553,181,436 Trading, restaurants and hotels Perdagangan, restoran dan hotel 717,561,286,265 97,497,789,148 974,500,000 10,107,977,516 31,385,122,154 857,526,675,083 Trading, r
Pertanian 25,042,706 25,042,706 Agriculture Pertanian 13,137,425 13,137,425
Jasa dunia usaha 1,390,332,503,056 6,695,893,597 1,397,028,396,653 Business services Jasa dunia usaha 326,864,816,323 1,891,646,376 328,756,462,699
Konstruksi 83,486,204,189 5,151,192,469 88,637,396,658 Construction Konstruksi 30,388,332,372 497,737,330 11,834,152,542 42,720,222,244
Pengangkutan, pergudangan dan komunikasi 126,434,344,304 126,434,344,304 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 47,786,459,598 40,000,000 47,826,459,598 Transportation, warehousing
Listrik, gas dan air Electricity, gas and water Listrik, gas dan air
Jasa sosial 6,395,159,498 6,395,159,498 Social services Jasa sosial 34,803,190 34,803,190
Pertambangan 14,225,000,000 101,168,989,347 115,393,989,347 Mining Pertambangan 14,225,000,000 102,068,989,347 116,293,989,347
Properti 46,759,726,885 1,932,333,333 48,692,060,218 Property Properti 35,550,011,265 19,436,514,101 97,542,211 55,084,067,577
Lain-lain 22,636,333,417 19,933,333,336 42,569,666,753 Other sectors Lain-lain 81,422,032,733 14,632,327 81,436,665,060
Subjumlah Pinjaman berdasarkan sektor ekonomi 2,863,439,626,014 90,251,679,722 3,652,312,969 101,168,989,347 3,058,512,608,052 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 1,538,159,935,377 129,304,467,662 103,141,031,558 10,107,977,516 55,855,282,864 1,836,568,694,977 Subtotal Loan
Mata uang asing Perindustrian 126,958,505,543 2,796,314,761 128,474,448,128 258,229,268,432 Foreign currencies Manufacturing Mata uang asing Perindustrian 132,871,602,524 78,604,159,981 58,152,031,192 269,627,793,697 Foreign currencies
Perdagangan, restoran dan hotel 121,968,384,963 103,087,745,962 225,056,130,925 Trading, restaurants and hotels Perdagangan, restoran dan hotel 127,520,460,480 99,074,614,069 226,595,074,549 Trading, r
Pertanian Agriculture Pertanian
Jasa dunia usaha Business services Jasa dunia usaha
Konstruksi Construction Konstruksi
Pengangkutan, pergudangan dan komunikasi 11,547,750,000 11,547,750,000 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 11,643,384,919 11,643,384,919 Transportation, warehousing
Listrik, gas dan air Electricity, gas and water Listrik, gas dan air
Jasa sosial Social services Jasa sosial
Pertambangan 152,029,960,293 152,029,960,293 Mining Pertambangan 137,373,822,514 137,373,822,514
Properti 10,777,900,000 10,777,900,000 Property Properti 23,351,250,000 23,351,250,000
Lain-lain Other sectors Lain-lain
Subjumlah Pinjaman berdasarkan sektor ekonomi 423,282,500,799 105,884,060,723 128,474,448,128 657,641,009,650 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 432,760,520,437 177,678,774,050 58,152,031,192 668,591,325,679 Subtotal Loan
2023-12-31
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 3,286,722,126,813 196,135,740,445 132,126,761,097 101,168,989,347 3,716,153,617,702 Subtotal on all Currencies Subtotal Loans by economic sector Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 1,970,920,455,814 306,983,241,712 103,141,031,558 10,107,977,516 114,007,314,056 2,505,160,020,656 Subtotal on all Currencies
2023-12-31
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 3,286,722,126,813 196,135,740,445 132,126,761,097 101,168,989,347 3,716,153,617,702 Total loans, gross Jumlah pinjaman, kotor 1,970,920,455,814 306,983,241,712 103,141,031,558 10,107,977,516 114,007,314,056 2,505,160,020,656 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 36,313,489,859 ) ( 41,689,553,133 ) ( 29,460,464,599 ) ( 59,484,494,674 ) ( 166,948,002,265 ) Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 17,283,204,248 ) ( 27,895,204,495 ) ( 43,895,158,472 ) ( 2,186,705,000 ) ( 60,089,328,910 ) ( 151,349,601,125 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 3,250,408,636,954 154,446,187,312 102,666,296,498 41,684,494,673 3,549,205,615,437 Total loans, net Jumlah pinjaman, bersih 1,953,637,251,566 279,088,037,217 59,245,873,086 7,921,272,516 53,917,985,146 2,353,810,419,531 Total loans, net
Page 17
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Pihak berelasi Rupiah Rupiah Related parties Current accounts Giro Pihak berelasi Rupiah 1,396,560,614 Rupiah Related parties Current accounts
Mata uang asing 161,884,366 Foreign currencies Mata uang asing 25,294,033,524 Foreign currencies
Subjumlah Seluruh Mata Uang 161,884,366 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 26,690,594,138 Subtotal on all Currencies
Pihak ketiga Rupiah 240,733,597,292 Rupiah Third parties Pihak ketiga Rupiah 147,600,635,023 Rupiah Third parties
Mata uang asing 108,512,324,467 Foreign currencies Mata uang asing 109,260,106,605 Foreign currencies
Subjumlah Seluruh Mata Uang 349,245,921,759 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 256,860,741,628 Subtotal on all Currencies
Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
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 349,407,806,125 Subtotal on all Currencies Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 283,551,335,766 Subtotal on all Currencies Subtotal on all Parties Current accounts
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
Page 18
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Pihak berelasi Rupiah 1,086,022,997 Rupiah Related parties Savings deposits Tabungan Pihak berelasi Rupiah 2,815,512,803 Rupiah Related parties Savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 1,086,022,997 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 2,815,512,803 Subtotal on all Currencies
Pihak ketiga Rupiah 172,856,906,613 Rupiah Third parties Pihak ketiga Rupiah 120,097,735,138 Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang 172,856,906,613 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 120,097,735,138 Subtotal on all Currencies
Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
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 173,942,929,610 Subtotal on all Currencies Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 122,913,247,941 Subtotal on all Currencies Subtotal on all Parties Savings deposits
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
Page 19
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
2023-12-31
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 1,601,774,044 Rupiah Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah 91,441,522,405 Rupiah Related parties Time deposits
Mata uang asing Foreign currencies Mata uang asing 8,610,429,707 Foreign currencies
Subjumlah Seluruh Mata Uang 1,601,774,044 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 100,051,952,112 Subtotal on all Currencies
Pihak ketiga Rupiah 1,571,072,589,841 Rupiah Third parties Pihak ketiga Rupiah 1,632,629,853,393 Rupiah Third parties
Mata uang asing 604,777,005,432 Foreign currencies Mata uang asing 233,393,642,605 Foreign currencies
Subjumlah Seluruh Mata Uang 2,175,849,595,273 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 1,866,023,495,998 Subtotal on all Currencies
Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
2023-12-31
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 2,177,451,369,317 Subtotal on all Currencies Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 1,966,075,448,110 Subtotal on all Currencies Subtotal on all Parties Time deposits
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
Page 20
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income
2023-12-31 2022-12-31
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga Interest income
Kredit yang diberikan 202,671,519,021 125,232,323,121 Loans interest income
Obligasi pemerintah Government bonds interest income
Pendapatan pembiayaan konsumen Consumer financing receivables - net interest income
Efek-efek 107,916,055,759 58,653,270,726 Marketable securities income
Penempatan pada Bank Indonesia dan bank lain 44,405,685,380 29,347,741,708 Placements with Bank Indonesia and other banks income
Lain-lain Other interest income
Subjumlah pendapatan bunga 354,993,260,160 213,233,335,555 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 354,993,260,160 213,233,335,555 Total interest and sharia income
Page 21
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense
2023-12-31 2022-12-31
Beban bunga dan syariah Interest and sharia expense
Beban bunga Interest expense
Deposito berjangka 89,417,607,377 63,974,597,605 Time deposits interest expense
Tabungan 2,435,977,578 1,778,901,378 Saving deposits interest expense
Pinjaman yang diterima 2,210,833,246 3,370,745,075 Borrowings interest expense
Premi penjaminan dana pihak ketiga Premium on third party fund guarantees
Giro 894,433,026 763,023,000 Current accounts interest expense
Efek-efek yang diterbitkan Securities issued interest expense
Pinjaman dan efek-efek subordinasi Subordinated securities interest expense
Lain-lain Others interest expense interest expense
Subjumlah beban bunga 94,958,851,227 69,887,267,058 Subtotal interest expense
Beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Sharia expense
Beban deposito mudharabah Mudharabah deposits expense
Beban tabungan mudharabah 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 Mudharabah investment certificate expense
Sukuk Sukuk expense
Piutang murabahah Murabahah receivables expense
Pinjaman qardh Qardh fund expense
Lain-lain Other sharia expense
Subjumlah beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Subtotal sharia expense
Jumlah beban bunga dan syariah 94,958,851,227 69,887,267,058 Total interest and sharia expense
Names mentioned 9 people and organisations named in the text · linked when the evidence is strong
unresolved
org
India Indonesia Tbk
p.1 ×4
unresolved
org
Foreign Corporation
p.2
unresolved
org
Tanubarata Sutanto Fahmi Bambang & Rekan
p.2
unresolved
org
Tanubarata Sutanto Fahmi Bambang
p.2
unresolved
org
Bank Indonesia
p.3 ×16
unresolved
org
Bank Indonesia Giro
p.3
unresolved
org
Bank Giro
p.4
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