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FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENTS OF FINANCIAL POSITION STATEMENTS OF INCOME AND OTHER COMPREHENSIVE STATEMENTS OF COMMITMENTS AND CONTINGENCIES STATEMENT OF CASH FLOWS
As of December 31, 2023 and 2022 For the Period Ended December 31, 2023 and 2022 As of December 31, 2023 and 2022 For The Period Ended December 31, 2023 and 2022
(In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah) (In Millions of Rupiah)
No. DESCRIPTION Dec 31, 2023 Dec 31, 2022 No. DESCRIPTION Dec 31, 2023 Dec 31, 2022 No. DESCRIPTION Dec 31, 2023 Dec 31, 2022 DESCRIPTION Dec 31, 2023 Dec 31, 2022
(Audited) (Audited) (Audited) (Audited) (Audited) (Audited) (Audited) (Audited)
ASSETS OPERATING INCOME AND EXPENSES I. COMMITMENT RECEIVABLES CASH FLOWS FROM OPERATING ACTIVITIES
1. Cash 2,127,489 1,661,533 A. Interest Income and Expenses 1. Unused fund borrowings/financing facilities - - Interest, profit sharing, and margin 27,618,186 24,331,326
2. Placements with Bank Indonesia 48,706,822 37,992,835 2. Outstanding purchase position on spot and derivative/forward 1,878,434 2,641,853 Recoveries from loan debts written-off 1,011,258 503,307
3. Placements with other banks 2,203,459 1,872,318 1. Interest income 28,271,226 25,888,043 3. Others - - Interest and bonus, fees and commissions paid (14,892,249) (10,775,222)
4. Spot and derivative receivables/forward 32,176 103,939 2. Interest expenses 14,647,645 10,740,281 Corporate income tax paid (1,020,952) (1,001,324)
5. Securities 41,199,802 53,688,141 Net interest income (Expenses) 13,623,581 15,147,762 II. COMMITMENT PAYABLES Recoveries from tax assessment letter - 402,428
6. Securities sold under repurchase agreements (Repo) - - Other operating expenses - net (5,790,828) (6,896,183)
1. Unused loan facilities granted to customer
7. Securities purchased under resale agreements (Reverse Repo) - 1,434,190 B. Operating Income and Expenses Other than Interest Other non-operating Income (expense) - net (54,382) 13,828
a. Committed 127,083 80,128
8. Acceptances receivables 544,567 420,562 1. Gain (loss) from increase (decrease) in fair value of financial assets (3,978) (9,887) Cash receipts before changes in operating assets and liabilities 6,871,033 6,578,160
b. Uncommitted 18,806,569 15,029,853
9. Loans 296,583,860 266,657,565 2. Outstanding irrevocable letters of credit 20,106 221,484
2. Gain (loss) from decrease (increase ) in fair value of financial liabilities - -
10. Sharia financing 37,114,281 31,624,139 Changes in operating assets and liabilities:
3. Gain (loss) from sale of financial assets 548,061 (500,323) 3. Outstanding sales position on spot and derivative/forward 1,806,505 2,477,048
11. Investment in share - - 4. Others 13,735 13,100 Decrease (increase) in operating assets:
4. Gain (Loss) from spot and derivative transaction/forward (realised) 89,824 21,621
12. Others financials assets 12,110,180 10,756,035 Fair value through profit or loss
5. Gain (Loss) from investment in shares under equity method - -
13. Allowance for impairment on financial assets -/- III. CONTINGENT RECEIVABLES securities (246,380) (104,885)
6. Gain (Losses) from foreign currencies translation (69,999) 119,610
a. Securities (22,903) (2,399) 1. Guarantees received 2,326,998 350,713 Fair value through profit or loss
b. Loans and Sharia financing (15,591,964) (15,674,923) 7. Dividend Income - -
2. Others 7,761,202 5,169,262 government bonds 15,788,979 (4,955,939)
c. Others (25,680) (1,883) 8. Comissions/provisions/fees and administrative 1,427,702 1,242,951
Acceptance Receivable (124,005) 33,578
14. Intangible assets - - 9. Other income 1,824,297 826,742
IV. CONTINGENT PAYABLES Loans and sharia financing/receivables (38,484,306) (26,318,471)
Accumulated amortisation for intangible assets -/- - - 10. Impairment for financial assets 3,764,258 4,018,453
1. Guarantees issued 2,579,175 948,495 Other assets (785,307) (196,503)
15. Premises and equipment 12,953,746 10,599,848 11. Losses related to operational risk - -
2. Others - -
Accumulated depreciation on premises and equipment -/- (4,835,934) (4,246,045) 12. Salaries and employee benefits 3,315,483 3,398,808 Increase (decrease) in operating liabilities:
16. Non earning assets 13. Promotion expenses 537,253 469,580
14. Other expenses 5,352,764 5,027,222 Current liabilities 74,415 (466,852)
a. Abandoned properties 1,410 1,410 STATEMENTS OF CALCULATION OF CAPITAL ADEQUACY RATIO Deposits from customer
b. Repossessed assets 77,591 77,591 Other Operating Income (Expenses) (9,153,851) (11,213,349) As Of December 31, 2023 and 2022 Demand deposits 24,468,372 31,538,044
c. Suspense account - - (in Millions of Rupiah)
d. Inter office assets - - PROFIT (LOSS) FROM OPERATIONS 4,469,730 3,934,413 Wadiah demand deposits 4,814,656 3,268,857
17. Other assets 5,570,834 5,183,456 Dec 31, 2023 Dec 31, 2022 Savings deposits 1,539,832 (10,617,072)
NON OPERATING INCOME AND EXPENSES CAPITAL COMPONENTS
(Audited) (Audited) Savings deposits Wadiah 82,875 43,479
TOTAL ASSETS 438,749,736 402,148,312 1. Gain (loss) from sale of premises and equipment - - Time deposits (5,504,388) (322,562)
I. CORE CAPITAL (TIER 1) 27,154,078 22,533,407
2. Other non operating income (expenses) (89,520) (58,723) Deposits from other banks (45,095) 70,400
LIABILITIES AND EQUITY 1. Common Equity Tier 1 (CET 1)
27,154,078 22,533,407 Acceptance liabilities 124,005 (33,578)
PROFIT (LOSS) FROM NON OPERATING (89,520) (58,723)
LIABILITIES 1.1. Paid-in Capital (net of Treasury Stock) 7,017,222 5,295,000 Other liabilities (4,184,154) 654,214
PROFIT (LOSS) CURRENT PERIOD BEFORE TAX 4,380,210 3,875,690 1.2. Disclosed Reserves 23,135,138 20,153,835
1. Demand deposits 143,534,817 114,006,513 Temporary syirkah funds 2,243,821 2,094,203
Income tax expenses 1.2.1 Additional Factor 23,983,140 21,426,088
2. Savings deposits 44,471,995 42,195,160 1.2.1.1 Other comprehensive income 3,565,773 3,508,565
3. Time deposits 161,926,504 165,735,643 a. Estimated current tax -/- (1,018,692) (1,019,298) Net Cash provided by (used in) Operating Activities 6,634,353 1,265,073
1.2.1.1.1 Excess differences arising from translation
4. Electronic money - - b. Deferred tax income (expenses) 139,470 188,681 of financial statement - -
5. Fund from Bank Indonesia - - PROFIT (LOSS) CURRENT PERIOD 3,500,988 3,045,073 1.2.1.1.2 Potential gain due to increases of fair value of CASH FLOWS FROM INVESTING ACTIVITIES
6. Fund from other banks 1,300,316 179,182 financial asset through other comprehensive income - - (Purchase) receipt from matured amortized cost securities (2,868,515) 199,964
1.2.1.1.3 Surplus of fixed assets revaluation 3,565,773 3,508,565 Receipt (purchase) of amortized cost government bonds (1,655,566) (7,816,426)
7. Spot and derivative liabilities/forward - - PROFIT (LOSS) MINORITY INTEREST - - 1.2.1.2 Other disclosed reserves 20,417,367 17,917,523
8. Securities sold under repurchase agreements (Repo) - - Acquisitions of premises and equipment (2,313,490) (1,042,464)
1.2.1.2.1 Agio 4,418,900 2,054,454
9. Acceptances liabilities 544,567 420,562 OTHER COMPREHENSIVE INCOME 1.2.1.2.2 General reserves 4,621,242 4,621,242 (Purchase) receipt in fair value through other comprehensive income securities (1.247.159) 381.580
10. Securities issued 6,834,647 8,652,260 1.2.1.2.3 Previous year profit 7,876,237 5,440,179 Placement of securities purchased under agreement to resell (43.597.267) (165.520.488)
11. Fund borrowings 42,874,926 33,979,224 1.Unreclassified to profit (loss) 1.2.1.2.4 Current year profit 3,500,988 3,045,073 Receipt of securities purchased under agreement to resell 45.031.457 165.683.898
12. Margin deposits received 9,690 9,872 a. Gain (loss) from revaluation of premises and equipment 57,208 200,574 1.2.1.2.5 Funds for paid-in capital - 2,756,575 Receipt in fair value through other comprehensive income government bonds 2.211.325 5.714.402
b. Gain (loss) from remeasurement on defined benefit plans (186,027) 59,872 1.2.1.2.6 Others - -
13. Inter office liabilities - - 1.2.2 Deduction Factor (848,002 ) (1,272,253) Net Cash provided by (used in) Investing Activities (4,439,215) (2,399,534)
14. Other liabilities 6,773,122 11,060,542 c. Others 35,345 (11,376)
1.2.2.1 Other comprehensive income (769,001 ) (1,193,252)
15. Minority interest - - 1.2.2.1.1 Negative differences arising from translation CASH FLOWS FROM FINANCING ACTIVITIES
2. Reclassified to profit (loss) of financial statement - - Payment of matured securities issued (2,769,764) (5,263,000)
TOTAL LIABILITIES 408,270,584 376,238,958 a. Gain (losses) from adjustments arising from translation 1.2.2.1.2 Potential losses due to decreases of fair value of Proceeds from issuance of securities 2,449,019 1,541,330
of financial statement - - financial asset through other comprehensive income (769,001 ) (1,193,252) Payments of dividends (609,015) (237,624)
EQUITY 1.2.2.2 Other disclosed reserves (79,001 ) (79,001) Proceeds from fund borrowings 11,185,162 11,814,826
b. Gain (loss) from changes of financial assets on measured 1.2.2.2.1 Disagio - -
16. Share capital Payment from fund borrowings (2,187,576) (9,095,884)
at fair value through other comprehensive income 517,528 (1,576,967) 1.2.2.2.2 Previous year loss - -
a. Authorised capital 10,239,216 10,239,216 Proceeds from securities sold under repurchase agreements 67,691,353 592,326
b. Unpaid-in capital -/- (3,221,994) (4,944,216) c. Others (76,322) 266,580 1.2.2.2.3 Current year loss - -
1.2.2.2.4 Negative difference in allowance for possible Payments of matured securities sold under repurchase agreements (67,691,353) (592,326)
c. Treasury stock -/- - - OTHER COMPREHENSIVE INCOME FOR THE YEAR AFTER TAX 347,732 (1,061,317)
losses and allowance for impairment Payment of lease liabilities (81,973) (84,983)
17. Additional Paid-in Capital TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 3,848,720 1,983,756 on earning assets - - Shares issuance 1,330,093 2,756,575
a. Agio 4,418,900 2,054,454 1.2.2.2.5 Negative difference in adjusment amounts
Net Cash provided by (used in) Financing Activities 9,315,946 1,431,240
b. Disagio -/- - - from fair value of financial assets in trading book - -
Current Year Net Profit (Loss) Attributable to : 1.2.2.2.6 Required allowance for non earning assets (79,001 ) (79,001)
c. Funds for paid-up capital - 2,756,575
- Owner of Company 3,500,988 3,045,073 1.2.2.2.7 Others - - NET (DECREASE) INCREASE IN CASH AND CASH EQUIVALENTS 11,511,084 296,779
d. Others - -
- Non Controlling Interest - - 1.3. Non Controlling Interest - -
18. Other comprehensive income CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR 41,526,686 41,229,907
1.4. Deduction Factor of CET 1 (2,998,282 ) (2,915,428)
a. Gain 3,565,773 3,508,565 TOTAL CURRENT YEAR NET PROFIT (LOSS) 3,500,988 3,045,073 1.4.1 Deferred tax calculation (2,998,282 ) (2,915,428) CASH AND CASH EQUIVALENTS AT END OF YEAR 53,037,770 41,526,686
b. Losses -/- (1,361,686) (1,652,210) 1.4.2 Goodwill - -
19. Reserve 1.4.3 Other intangible assets - - The details of cash and cash equivalents at end of period are as follows:
Total Comprehensive Profit (Loss) For The Year Attributable to:
a. General reserve 4,621,242 4,621,242 1.4.4 Investments in share - -
- Owner of Company 3,848,720 1,983,756 Cash 2,127,489 1,661,533
1.4.5 Shortfall of capital on insurance subsidiaries - -
b. Appropriated reserve 840,476 840,476 - Non Controlling Interest - - 1.4.6 Securitisation exposure - - Current accounts with Bank Indonesia 18,145,761 25,416,941
20. Retained Earning 1.4.7 Other deduction of CET 1 - - Current accounts with other banks 2,203,398 1,472,257
a. Previous years 7,876,237 5,440,179 TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 3,848,720 1,983,756 Placements with Bank Indonesia and other banks - maturing within
1.4.7.1 Placement of funds in instrumen AT 1 and/or Tier 2
b. Current year 3,500,988 3,045,073 to other bank - - three months or less since the acquisition date 30,561,122 12,975,955
c. Paid Dividend -/- - - TRANSFER PROFIT (LOSS) TO HEAD OFFICE - - 1.4.7.2 Cross-ownership in another entity acquired by the transition
due to law, grants, or grants will - - Total of cash and cash equivalents 53,037,770 41,526,686
TOTAL EQUITY ATTRIBUTABLE TO OWNER 30,479,152 25,909,354 1.4.7.3 Exposure that give rise to credit risk due the settlement
DIVIDEND - -
(settlement risk) - Non Delivery Versus Payment - -
TOTAL EQUITY 30,479,152 25,909,354 1.4.7.4 Exposures in subsidiaries that to business activity Notes :
EARNINGS PER SHARE (in rupiah) 249 288 based on sharia principle - - 1) The above financial information is extracted from the financial statements of PT Bank Tabungan
TOTAL LIABILITIES AND EQUITY 438,749,736 402,148,312
Negara (Persero) Tbk as of December 31, 2023 and for the year then ended, prepared by the Bank’s
2. Additional Tier 1 (AT 1)
- -
Management in accordance with Indonesian Financial Accounting Standards, which have been audited
2.1. Instrument which comply with AT 1 requirements - - by KAP Purwantono, Sungkoro, & Surja (“PSS”), a member firm of Ernst & Young Global Limited with
STATEMENTS OF ASSETS’ QUALITY AND OTHER INFORMATION 2.2. Agio / Disagio - - Christophorus Alvin Kossim, as partner in charge, independent auditor, in accordance with Standards on
As of December 31, 2023 and 2022 2.3. Deduction Factor of AT 1 - - Auditing established by the Indonesian Institute of Certified Public Accountants, with an unmodified audit
(In Millions of Rupiah) 2.3.1 Placements of fund in instrument AT 1 and/or Tier 2 to other bank - - opinion, as stated in their report dated February 12, 2024 which is not included in this publication.
2.3.2 Cross ownership in another entity acquired by the transition due
to law, grants or grants will - - 2) The above published Financial Statements are presented to comply with:
December 31, 2023 (Audited) December 31, 2022 (Audited) a) Financial Services Authority Regulation (POJK) Number 37/POJK.03/2019 Dated December 19, 2019
No. DESCRIPTION II. SUPPLEMENTAL CAPITAL (TIER 2) 4,076,204 5,635,050 regarding “Transparency and Published Financial Statements of The Banks”
Current Special Sub Doubtful Loss Total Current Special Sub Doubtful Loss Total
1. Capital instrument in the form of stock or other which comply b) Circular Letter of Financial Services Authority (SEOJK) Number 9/SEOJK.03/2020 Dated June 30,
Mention Standard with Tier 2 requirements
Mention Standard 2,367,557 4,206,070 2020 regarding “Transparency and Published Financial Statements of The Commercial Banks”.
2. Agio/Disagio - - c) Financial Services Authority Regulation (POJK) Number 27/POJK.03/2022 Dated December 26,
I. RELATED PARTIES 3. General provision on earning assets (max. 1,25% credit risk - weighted assets) 1,708,647 1,428,980
2022 on Second Amendments of POJK Number 11/POJK.03/2016 regarding “Capital Adequacy
1. Placements with other banks 4. Deduction supplemental capital - -
Ratio for The Commercial Banks” and Financial Services Authority Regulation (POJK) Number 34/
a. Rupiah - - - - - - - - - - - - 4.1. Sinking Fund - -
POJK.03/2016 Dated September 22, 2016 on Amendments of POJK Number 11/POJK.03/2016
4.2. Placement of funds in instrumen Tier 2 to other bank - -
b. Foreign currencies - - - - - - - - - - - - regarding “Capital Adequacy Ratio for The Commercial Banks”.
4.3. Cross-ownership in another entity acquired by the transition
2. Spot and derivative receivables/ forward due to law, grants, or grants will - - d) Financial Services Authority Regulation (POJK) Number 14/POJK.04/2022 Dated August 18, 2022
a. Rupiah - - - - - - - - - - - - regarding “Submission of Periodic Financial Statements for Issuers or Public Companies”
b. Foreign currencies - - - - - - - - - - - - TOTAL CORE AND SUPPLEMENTAL CAPITAL 31,230,282 28,168,457
e) Capital Market and Financial Institution Supervisory Agency (Bapepam-LK) Regulation Number
3. Securities Dec 31, 2023 Dec 31, 2022 Dec 31, 2023 Dec 31, 2022 VIII.G.7, Decision of Chairman of Bapepam-LK Number KEP-347/BL/2012 Dated June 25, 2012
a. Rupiah - - - - - - - - - - - - RATIO regarding “Presentation and Disclosure of Periodic Financial Statements for Issuers or Public
(Audited) (Audited) (Audited) (Audited)
b. Foreign currencies - - - - - - - - - - - - Companies”.
RISK WEIGHTED ASSETS CAR RATIO
4. Securities sold with agreement f) Circular Letter of Financial Services Authority Number S-2/PB.11/2020 dated January 20, 2020
CREDIT RISK WEIGHTED ASSETS 136,691,761 114,318,357 CET 1 Ratio (%) 17.45% 16.13%
to repurchase (Repo) regarding Changes to Published Financial Statements.
MARKET RISK WEIGHTED ASSETS 942,326 1,373,299 Tier 1 Ratio (%) 17.45% 16.13%
a. Rupiah - - - - - - - - - - - - OPERATIONAL RISK - WEIGHTED ASSETS 17,956,060 23,938,858 Tier 2 Ratio (%) 2.62% 4.04% 3) Related Parties in the Statements of Assets’ Quality and Other Information are presented in accordance
b. Foreign currencies - - - - - - - - - - - - TOTAL RISK WEIGHTED ASSETS 155,590,147 139,630,514 Capital Adequacy Ratio (%) 20.07% 20.17% with Bank Indonesia Regulation Number 7/3/PBI/2005 dated January 20, 2005 regarding the Amendment
5. Securities purchased with agreement CAR BASED ON RISK PROFILE (%) 9.18% 9.40% CET 1 for Buffer (%) 10.89% 10.13% of Financial Services Authority Regulation Number 38/POJK.03/2019 dated December 19, 2019 regarding
to resell (Reverse Repo) the Amendment of Financial Services Authority Regulation Number 32/POJK.03/2018 regarding The Legal
CAPITAL ALLOCATION FOR CAR BASED ON RISK PROFILE PERCENTAGE OF BUFFER MANDATORY FILLED BY BANK (%) Lending Limit and Provisions of Large Fund for Commercial Banks.
a. Rupiah - - - - - - - - - - - -
From CET1 (%) 6.56% 6.00% Capital Conservation Buffer (%) 2.500% 2.500%
b. Foreign currencies - - - - - - - - - - - - 4) Exchange rate of 1 US Dollar as at December 31, 2023 and 2022 were Rp.15.397,00, and Rp.15.567,50
From AT1 (%) 0.00% 0.00% Countercyclical Buffer (%) 0.000% 0.000%
6. Acceptances receivables - - - - - - - - - - - - From Tier 2 (%) 2.62% 3.40% Capital Surcharge for Systemic Bank (%) 1.000% 1.000% respectively.
7. Loans and financing provided 5) Basic earnings per share is computed by dividing income for the year available to shareholders of ordinary
a. Micro, Small and Medium loans (UMKM) shares (residual income) by the weighted average number of ordinary shares outstanding during the
i. Rupiah - - - - - - - - - - - - CALCULATION OF FINANCIAL RATIOS current year.
ii. Foreign currencies - - - - - - - - - - - - For the Period Ended December 31, 2023 and 2022
b. Non UMKM
Dec 31, 2023 Dec 31, 2022 MANAGEMENT OF THE BANK
i. Rupiah 97,110 - - - - 97,110 101,246 1,396 - - 139 102,781 No. RATIOS
ii. Foreign currencies - - - - - - - - - - - - (Audited) (Audited)
BOARD OF COMMISSIONER
c. Restructured loans PERFORMANCE RATIOS President Commissioner/ Independent Commissioner : Chandra M. Hamzah
i. Rupiah - - - - - - - - - - - - Vice President Commissioner/Independent Commissioner : Iqbal Latanro
1. Capital Adequacy Ratio (CAR) 20.07% 20.17% Independent Commissioner : Armand B. Arief
ii. Foreign currencies - - - - - - - - - - - -
2. Non performing earning assets and non earning assets Independent Commissioner : Ahdi Jumhari Luddin*
8. Investments in shares - - - - - - - - - - - - to total earning assets and non earning assets 2.59% 2.76% Independent Commissioner : Sentot A. Sentausa
9. Other receivable - - - - - - - - - - - - 3. Non performing earning assets to total earning assets 2.58% 2.74% Commissioner : Andin Hadiyanto
10. Commitments and contingencies 4. Allowance for impairment on financial assets to earning assets 4.14% 4.41% Commissioner : Herry Trisaputra Zuna
a. Rupiah - - - - - - - - - - - - 5. Gross NPL 3.01% 3.38% Commissioner : Himawan Arief Sugoto
b. Foreign currencies - - - - - - - - - - - - 6. Net NPL 1.32% 1.32% Commissioner : Mohamad Yusuf Permana
7. Return on Asset (ROA) 1.07% 1.02% BOARD OF DIRECTORS
II. NON RELATED PARTIES 8. Return on Equity (ROE) 13.86% 16.42% President Director : Nixon L.P. Napitupulu
9. Net Interest Margin (NIM) 3.75% 4.40% Vice President Director : Oni Febriarto Rahardjo
1. Placements with other banks
10. Operating Expenses to Operating Income 86.10% 86.00% Director of IT and Digital : Andi Nirwoto
a. Rupiah 234,102 - - - - 234,102 940,113 - - - - 940,113 Director of Assets Management : Elisabeth Novie Riswanti
11. Cost to Income Ratio (CIR) 45.26% 46.66%
b. Foreign currencies 1,967,579 - - - 1,778 1,969,357 930,474 - - - 1,731 932,205 Director of Distribution and Funding : Jasmin
12. Loan to Deposit Ratio (LDR) 95.36% 92.65%
2. Spot and derivative receivables/ forward Director of Risk Management : Setiyo Wibowo
a. Rupiah - - - - - - - - - - - - COMPLIANCE Director of Consumer : Hirwandi Gafar
b. Foreign currencies 32.176 - - - - 32.176 103.939 - - - - 103.939 Director of Finance : Nofry Rony Poetra
1. a. Percentage violation of Legal Lending Limit Director of Human Capital, Compliance, and Legal : Eko Waluyo
3. Securities i. Related parties 0.00% 0.00% Director of Institutional Banking : Hakim Putratama
a. Rupiah 36,028,481 50,696 4,644 5,769 45,390 36,134,980 48,752,703 36,727 3,153 5,436 48,879 48,846,898 ii. Non - Related parties 0.00% 0.00%
b. Foreign currencies 5,064,822 - - - - 5,064,822 4,841,243 - - - - 4,841,243 b. Percentage of excess of the Legal Lending Limit SHARIA SUPERVISORY BOARD
4. Securities sold with agreement i. Related parties 0.00% 0.00% Chairman : M. Quraish Shihab
to repurchase (Repo) ii. Non - Related parties 0.00% 0.00% Member : Mohammad Bagus Teguh Perwira
a. Rupiah - - - - - - - - - - - - 2. Reserve requirement Member : Muhammad Faiz**
b. Foreign currencies - - - - - - - - - - - - a. Primary reserve requirement Rupiah
5. Securities purchased with agreement a.) Conventional SHAREHOLDER
to resell (Reverse Repo) - Daily 0.24% 0.18%
Ultimate Shareholder
a. Rupiah - - - - - - 1,434,190 - - - - 1,434,190 - Average 5.80% 8.10%
- Republic of Indonesia : 60.00%
b. Foreign currencies - - - - - - - - - - - - b.) Syariah 6.10% 7.76%
b. Reserve requirement Foreign currencies (Daily) 4.40% 4.13% Non Ultimate Shareholder through Capital Market ( 5%) : Nil
6. Acceptances receivables 544,567 - - - - 544,567 420,562 - - - - 420,562
3. Net Open Position - Overall 1.73% 4.17% Non Ultimate Shareholder through non Capital Market ( 5%) : Nil
7. Loans and financing provided
a. Micro, Small and Medium loans (UMKM) * Ends of term of positions on August 12, 2023 due to passed away.
i. Rupiah 6,658,625 129,871 13,611 19,228 1,075,435 7,896,770 3,976,969 232,407 27,570 71,289 1,402,564 5,710,799 STATEMENTS OF SPOT AND DERIVATIVE TRANSACTIONS ** Appointed as a member of the Sharia Supervisory Board of PT Bank Tabungan Negara (Persero) Tbk
ii. Foreign currencies - - - - - - - - - - - - As of December 31, 2023 based on the results of the Company’s Annual GMS decision on March 16, 2023, having obtained OJK
b. Non UMKM (Audited) approval on October 18, 2023, based on OJK Letter No. S-267/PB.02/2023 dated October 18, 2023, and
i. Rupiah 288,034,581 26,268,773 557,662 658,585 7,724,379 323,243,980 262,829,959 19,900,672 552,646 816,693 7,199,399 291,299,369 (In Millions of Rupiah) effective since the approval of the Board of Commissioners on November 29, 2023, based on the Letter of
the Board of Commissioners of PT Bank Tabungan Negara (Persero) Tbk No. 144/KOM/BTN/XI/2023 dated
ii. Foreign currencies 2,460,281 - - - - 2,460,281 1,168,755 - - - - 1,168,755
Derivative Receivables November 29, 2023.
c. Restructured loans Notional Type & Payables
i. Rupiah 34,026,641 15,689,430 371,784 320,508 5,905,023 56,313,386 39,179,730 11,733,213 467,981 689,849 5,890,755 57,961,528
No. TRANSACTION Amount
Trading Hedging Receivables Payables Head Office :
ii. Foreign currencies - - - - - - - - - - - -
8. Investments in shares - - - - - - - - - - - - Menara Bank BTN
9. Other receivable - - - - - - - - - - - - A. Exchange Rate Related Jl. Gajah Mada No. 1 Jakarta 10130, Phone. (021) 6336789. 6332666 Fax. (021) 6346704
10. Commitments and contingencies 1. Spot - - - - - Branch Office :
a. Rupiah 20,224,533 517,162 7,343 318 168,460 20,917,816 15,134,427 754,249 21,204 12,722 24,205 15,946,807 2. Forward - - - - - • A m b o n • B a l i k p a p a n • B a n d a r L a m p u n g • B a n d u n g • Bandung Timur • Bangkalan • Banjarmasin
b. Foreign currencies 628,852 - - - - 628,852 346,253 - - - - 346,253 3. Option • Banjarbaru • Batam • B a n y u w a n g i • Bekasi • Bengkulu • Bintaro Jaya • Bogor • Bumi Serpong Damai
• Cibinong • Cibubur • Cikarang • Cilegon • Cimahi • Ciputat • Cirebon • Denpasar • Depok • Gresik • Gorontalo
a. Written - - - - - • Harapan Indah • Jakarta Cawang • Jakarta Kuningan • Jakarta Harmoni • Jakarta Melawai • Jakarta Pluit • Jambi
III. OTHER INFORMATION b. Purchased - - - - - • Jayapura • Jember • Karawaci • Karawang • Kelapa Gading Square • Kebon Jeruk • Kediri • Kendari • Kudus
4. Future - - - - - • Kupang • Madiun • Magelang • Makassar • Malang • Mamuju • Manado • Mataram • Medan • Mojokerto • Mulyosari
1. Value of bank’s assets pledge as collateral:
5. Swap - - - - - • Padang • Palangkaraya • Palembang • Palu • Panakukkang • Pangkal Pinang • Pare-Pare • Pekalongan
a. To Bank Indonesia - - 6. Others 1,878,434 - 1,878,434 32,176 - • Pekanbaru • Pematang Siantar • Pontianak • Purwakarta • Purwokerto • Samarinda • Semarang • Sidoarjo
b. To others - - • Singaraja • Solo • Sukabumi • Surabaya • Surabaya Bukit Darmo • Tangerang • Tanjung Pinang • Tarakan
2. Repossessed assets 77.591 77.591 B. Interest Rate Related • Tasikmalaya • Tegal • Ternate • Yogyakarta.
1. Forward - - - - -
2. Option
LOSSES AND ALLOWANCE FOR ASSET QUALITY ASSESSMENT a. Written - - - - -
As of December 31, 2023 and 2022 b. Purchased - - - - - Jakarta, February 12, 2024
(In Millions of Rupiah) 3. Future - - - - - S.E. & O
4. Swap - - - - -
5. Others - - - - - PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
December 31, 2023 (Audited) December 31, 2022 (Audited) Directors
C. Others - - - - -
No. DESCRIPTION Allowance for Impairment Required allowance for Allowance for Impairment Required allowance for
losses on earning assets losses on earning assets TOTAL 1,878,434 - 1,878,434 32,176 -
Stage 1 Stage 2 Stage 3 General Special Stage 1 Stage 2 Stage 3 General Special
PRIME LENDING RATE
1. Placements with other banks 26 - 1,778 22,016 1,778 16 - 1,731 18,706 1,731 As Of December 31, 2023
2. Spot and derivative receivables/forward - - - 322 - - - - 1,039 - (% per annum)
3. Securities 22,903 - - 46,978 51,507 399 - 2,000 16,284 54,522 Nixon L.P. Napitupulu Nofry Rony Poetra
Prime Lending Rate
4. Securities sold with agreement to repurchase (Repo) - - - - - - - - - - President Director Director of Finance
5. Securities purchased with agreement to resell (Reverse Repo) - - - - - - - - - - Business Segment
6. Acceptances receivables 1,447 22,429 - 5,446 - 136 - - 4,206 - Corporate Retail Micro Consumer Loan
7. Loans and financing provided 2,441,079 3,407,511 9,743,374 2,942,958 9,698,086 3,014,067 3,525,156 9,135,700 2,663,032 9,246,776 Loan Loan Loan Mortgage Non Mortgage
8. Investments in shares - - - - - - - - - -
9. Other receivable - - - - - - - - - -
Contact Center : 1500286
Prime Lending Rate 8.05% 8.30% n/a 7.30% 8.80%
10. Commitments and contingencies 3,580 - - 25,993 25,858 4,719 - - 16,711 37,712
www.btn.co.id
Page 2
FINANCIAL STATEMENTS
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
STATEMENT OF FINANCIAL POSITION STATEMENT OF INCOME AND OTHER COMPREHENSIVE
As of December 31, 2023 and 2022 For the Period Ended December 31, 2023 and 2022
(In Millions of Rupiah) (In Millions of Rupiah)
Dec 31, 2023 Dec 31, 2022 Dec 31, 2023 Dec 31, 2022
NO. ACCOUNT (Audited) (Audited) NO. DESCRIPTION (Audited) (Audited)
ASSETS OPERATING INCOME AND EXPENSES
1. Cash 109,085 112,768 A. Operating Income and Expenses
2. Placement with Bank Indonesia 6,440,216 5,459,362
1. Revenue from Fund Management as Mudharib
3. Placement with Other Bank 200 1,198
a. Income from Receipable Financing 2.582,739 1,937,143
4. Investments in Marketable Securities 10,795,395 8,927,958
b. Income from Revenue Sharing Financing 351,216 348,736
5. Receivable Financing 32,488,789 26,776,404
c. Income from Revenue from Ijarah 27 -
6. Revenue Sharing Financing 4,624,042 4,847,735
d. Other Main Operating Income 627,303 389,418
7. Ijarah Receivable 1,450 -
8. Other Productive Assets - - 2. Third Parties Share on Returns of Temporary Syirkah Funds (1,372,916) (815,803)
9. Allowance for Impairment on Finansial Assets (1,400,430) (1,572,011) a. Non Profit Sharing (1,372,916) (815,803)
10. Premisses and Equipment 23,259 19,482 b. Profit Sharing - -
11. Non Productive Assets - - 3. Revenue after Sharing Distribustion 2,188,369 1,859,494
12. Other Assets 1,206,703 762,679
B. Other Operating Income and Expenses
TOTAL ASSETS 54,288,709 45,335,575 1. Gain (Loss) from foreign Currencies Transaction - -
LIABILITIES 2. Income Bank as Mudharib from Revenue Sharing - -
1. Wadiah Deposits 3. Comissions / Provisions / Fees and Administrative 91,807 77,730
a. Current Accounts 13,439,465 8,623,601 4. Other Income - -
b. Saving Accounts 1,276,592 1,193,717 5. Bonus on Wadiah Demand Deposite (71,621) (57,558)
2. Temporary Syirkah Fund 6. Impairment for Financial Assets (51,127) (602,661)
a. Current Accounts 726,061 480,787 7. Losses Related to Financial Assets - -
b. Saving Accounts 5,473,242 4,819,113 8. Impairment for Other Financial Assets (86,170) (52,034)
c. Time Deposits 20,887,524 19,523,557 9. Salaries and Employee Benefits (553,974) (342,330)
3. Liabilities to Bank Indonesia - - 10. Other Expense (814,858) (549,025)
4. Liabilities to Other Bank 23,235 40,028 Other Operating Income (Expenses) (1,485,943) (1,525,878)
5. Securities Issued 265,846 - PROFIT AND LOSS FROM OPERATIONS 702,426 333,616
6. Other Liabilities 4,017,837 3,365,774
7. Profit Sharing Deposits - - NON OPERATING INCOME AND EXPENSES
8. Business Fund 7,471,713 6,940,992 1. Gain (Loss) for Sales of Premises and Equipment - -
9. Retained Earning 2. Other Non Operating Income (Expenses) (91) (40)
a. Other Comprehensive Income 65 9,636 PROFIT AND LOSS FROM NON OPERATIONS (91) (40)
b. Previous Year 4,794 4,794
c. Current Year 702,335 333,576 PROFIT AND LOSS CURRENT PERIOD BEFORE TAX 702,335 333,576
TOTAL LIABILITIES 54,288,709 45,335,575 Income Tax Expenses - -
PROFIT AND LOSS CURRENT PERIOD 702,335 333,576
REVENUE SHARING DISTRIBUTION OTHER COMPREHENSIVE INCOME
Period December 31, 2023 1. Unreclasiffied to Profit (Loss) - -
(In Millions of Rupiah) 2. Reclasiffied to Profit (Loss) (9,571) (49,913)
Net Revenue Sharing OTHER COMPREHENSIVE INCOME FOR THE YEAR
SHARE OF SHAHIBUL MAAL AFTER TAX (9,571) (49,913)
AVERAGE INCOME
NO. COLLECTIVE TYPE BONUS AND TOTAL COMPREHENSIVE PROFIT (LOSS) FOR THE YEAR 692,764 283,663
BALANCE THAT MUST INDIKASI
RATIOS REVENUE
BE DIVIDED EQV.
SHARING STATEMENT OF COMMITMENTS AND CONTINGENCIES
As Of December 31, 2023 and 2022
I. Liabilities to Other Bank - - - - - (In Millions of Rupiah)
II. Mudharabah Current Deposits Dec 31, 2023 Dec 31, 2022
a. Bank - - - - - NO. DESCRIPTION
(Audited) (Audited)
b. Non Bank 680,508 5,020 9.71% 487 0.86%
1.COMMITMENT RECEIVABLES
III. Mudharabah Saving Deposits 1. Unused Fund Borrowing/Financing Fasilities - -
a. Bank 17,976 133 32.97% 44 2.92% 2. Outstanding Purchase Position on Spot and Derivative/forward - -
b. Non Bank 4,860,714 35,854 32.85% 11,779 2.91% 3. Others - -
IV. Mudharabah Time Deposits 2. COMMITMENT PAYABLES
a. Bank 1. Unused Loan Fasilities Granted to Customer 1,143,774 774,926
1 Month 710 5 29.50% 2 2.61% 2. Outstanding Sales Position on Spot and Derivative/forward
3 Month 3,000 22 29.50% 7 2.61% 3. Others
6 Month 300 2 29.50% 1 2.61%
12 Month - - - - - 3. CONTIGENT RECEIVABLE - -
1. Guarantees Received - -
b. Non Bank 2. Income in Progress - -
1 Month 3,403,094 25,102 25.25% 6,339 2.24% 3. Others 3,219,644 2,823,561
3 Month 5,925,838 43,710 29.50% 12,895 2.61%
6 Month 2,819,444 20,797 29.50% 6,135 2.61% 4. CONTIGENT PAYABLES
12 Month 1,831,535 13,510 29.50% 3,985 2.61% 1. Guarantees Issued 439 400
2. Others - -
V. Fund Borrowings 3,181,349 108,623 10,86% 11,798 4.45%
TOTAL 22,724,468 252,778 53,472 REPORT OF THE SOURCES AND USE OF WITNESS FUNDS
As Of December 31, 2023 and 2022
AVERAGE INCOME (In Millions of Rupiah)
NO. TYPE OF DISBURSEMENT
BALANCE RECEIVED Dec 31, 2023 Dec 31, 2022
NO. DESCRIPTION (Audited) (Audited)
I. Placement with Other Bank - - 1. Beginning Balance of Benevolent Funds 123 2.272
II. Murabahah Receivable 2. Sources of Benevolent Funds
a. Bank - - a. Sources of Benevolent Funds - 1
b. Non Bank 8,155,909 127,597 b. Repayment of productive benevolent funds - -
III. Istishna Receivable c. Penalty; and 447 121
d. Non halal income 2 1
a. Bank - -
e. Other
b. Non Bank 133,898 29,813 Total benevolent funds received 449 122
IV. Multi-Service Receivable 3. Uses of Benevolent Funds
a. Bank - - a. Productive benevolent funds - -
b. Non Bank 11,903 39 b. Charity - -
V. Rahn Financing c. Other uses for public interest 104 2.271
a. Bank - - Total uses of benevolent funds 104 2.271
b. Non Bank - - 4. Surplus (deficit) of Benevolent Funds 345 (2.149 )
VI. Mudharabah Financing 5. Ending Balance of Benevolent Funds 468 123
a. Bank - -
b. Non Bank 130,256 567 FINANCIAL RATIOS
VII. Musyarakah Financing For the Period Ended December 31, 2023 and 2022
a. Bank - - Dec 31, 2023 Dec 31, 2022
b. Non Bank 4,595,831 24,564 NO. RATIOS (Audited) (Audited)
VIII. Ijarah Receivable 1. Total Assets Sharia Unit to Total Assets Consolidation 12.37% 11.27%
a. Bank - - 2. Non Performing Productive Assets to Total Productive Assets 1.85% 2.58%
b. Non Bank - 38 3. Allowance for Impairment on Productive Assets
to Total Productive Assets 2.92% 3.88%
IX. Other Financing
4. Gross NPF 2.39% 3.31%
a. Bank - - 5. Nett NPF 0.00% 0.00%
b. Non Bank - - 6. Return On Assets (ROA) 1.29% 0.74%
7. Financing Revenue Sharing to Total Financing 12.46% 15.33%
TOTAL 13,027,797 182,618 8. Financing to Deposit Ratio (FDR) 88.78% 91.29%
Notes :
REPORT OF SOURCES AND DISTRIBUTION OF ZAKAT AND WAQF FUNDS - Circular Letter of Financial Services Authority (SEOJK) Number 10/SEOJK.03/2020 regarding
As Of December 31, 2023 and 2022 “Transparency and Published Financial Statements of The Sharia Commercial Bank and Sharia Unit.
(In Millions of Rupiah)
Dec 31, 2023 Dec 31, 2022 Head Office :
NO. DESCRIPTION (Audited) (Audited) Menara Bank BTN. Jl. Gajah Mada No. 1. Jakarta 10130 Telp : (021) 6336789. 6332666
A. Sources and Distribution of Zakat Funds Sharia Branch Office :
1. Zakat Funds Received From: • Balikpapan • Banda Aceh • Bandar Lampung • Bandung • Banjarmasin • Batam • Bekasi
a Internal UUS 9 14 • Bengkulu • Bogor • Cirebon • Depok • Jakarta Harmoni • Jakarta Pasar Minggu • Jambi
b External UUS - • Jember • Karawang • Kendari • Makassar • Malang • Mataram • Medan • Padang
Total Zakat Funds Received 9 14 • Palembang • Palu • Pekanbaru • Pontianak • Semarang • Serang • Solo • Surabaya
2. Distribution of Zakat Funds • Tangerang • Tasikmalaya • Tegal • Yogyakarta
a. Zakat Receiving Institutions 9 31
b. Zakat Receiving Body
Total Zakat Funds Distributed 9 31 Jakarta, February 12, 2024
PT BANK TABUNGAN NEGARA (PERSERO) Tbk.
B. Sources and Distributions of Waqf Funds
1. Waqf Fund Received From:
Sharia Business Unit
a. Internal UUS - -
b. External UUS - -
Total Waqf Funds Received - -
2. Distribution of Waqf Funds
a. Badan Wakaf Indonesia - -
b. Other Nadzir - - M. Quraish Shihab Hirwandi Gafar
c. Other - -
Total Waqf Funds Distributed - - Sharia Supervisory Board Director of Consumer
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