Nomor Surat 018/BP/CSG/II/2017

Nama Emiten Bank Permata Tbk

Kode Emiten BNLI
Perihal Penyampaian Laporan Keuangan Tahunan

Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2016 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 Sahabat Pembiayaan Jakarta 1994 Masih 353.390 99998.0
Finansial konsumen beroperasi
Keluarga

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Permata Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information

Informasi umum General information

31 December 2016
Nama entitas Bank Permata Tbk Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from the
periode laporan sebelumnya end of the preceding reporting period
Kode entitas BNLI Entity code
Nomor identifikasi entitas AA063 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Financial and Sharia
Sektor 8. Finance Sector
Subsektor 81. Bank Subsector
Informasi pemegang saham pengendali National and Foreign Corporation Controlling shareholder information
Jenis entitas Local Company - Indonesia Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Type of listed securities
Bond
Jenis papan perdagangan tempat Utama / Main Type of board on which the entity is
entitas tercatat listed
Apakah merupakan laporan keuangan Entitas grup / Group entity Whether the financial statements are of
satu entitas atau suatu kelompok entitas an individual entity or a group of entities
Periode penyampaian laporan Tahunan / Annual Period of financial statements
keuangan submissions
Tanggal awal periode berjalan January 01, 2016 Current period start date
Tanggal akhir periode berjalan December 31, 2016 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2015 Prior year end date
Tanggal awal periode sebelumnya January 01, 2015 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2015 Prior period end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah presentation currency is other than
rupiah
Pembulatan yang digunakan dalam Jutaan / In Million Level of rounding used in financial
penyajian jumlah dalam laporan statements
keuangan
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Pengecualian / Type of auditor's opinion
Unqualified
Hal yang diungkapkan dalam paragraf Matters disclosed in emphasis-of-matter
pendapat untuk penekanan atas suatu or other-matter paragraph, if any
masalah atau paragraf penjelasan
lainnya, jika ada
Hasil penugasan review Result of review engagement
Tanggal laporan audit atau hasil laporan February 16, 2017 Date of auditor's opinion or result of
review review report
Auditor tahun berjalan Siddharta Widjaja & Rekan Current year auditor
Nama partner audit tahun berjalan Kusumaningsih Angkawijaya, Name of current year audit signing
CPA partner
Lama tahun penugasan partner yang Number of years served as audit signing
menandatangani partner
Auditor tahun sebelumnya Siddharta Widjaja & Rekan Prior year auditor
Nama partner audit tahun sebelumnya Kusumaningsih Angkawijaya, Name of prior year audit signing partner
CPA
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM
peraturan BAPEPAM LK VIII G 11 LK VIII G 11 rules concerning
tentang tanggung jawab direksi atas responsibilities of board of directors on
laporan keuangan financial statements
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM
peraturan BAPEPAM LK VIII A dua LK VIII A two rules concerning
tentang independensi akuntan yang independence of accountant providing
memberikan jasa audit di pasar modal audit services in capital market
[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry

Laporan posisi Statement of financial

keuangan position
31 December 2016 31 December 2015
Aset Assets
Kas 2,070,557 2,012,662 Cash
Giro pada bank indonesia 10,541,849 12,833,823 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 1,131,314 765,764 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 738,029 244,443 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 155 ) ( 83 ) Allowance for impairment
penurunan nilai pada giro losses for current accounts
pada bank lain with other bank
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 8,047,102 8,290,892 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Cadangan kerugian ( 1,440 ) ( 62 ) Allowance for impairment
penurunan nilai pada losses for placements with
penempatan pada bank lain other banks
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 21,603,837 4,781,015 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek yang dibeli dengan janji 3,227,881 Securities purchased under
dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 1,471,160 2,220,550 Bills and other receivables
lainnya pihak ketiga third parties
Wesel ekspor dan tagihan 4,007 Bills and other receivables
lainnya pihak berelasi related parties
Cadangan kerugian ( 5,985 ) ( 386,588 ) Allowance for impairment
penurunan nilai pada wesel losses for bills and other
ekspor dan tagihan lainnya receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 3,982,723 4,718,196 Acceptance receivables
ketiga third parties
Tagihan akseptasi pihak 9,171 Acceptance receivables
berelasi related parties
Cadangan kerugian ( 89,280 ) ( 18,522 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 216,957 350,703 Derivative receivables third
ketiga parties
Tagihan derivatif pihak 474 550 Derivative receivables
berelasi related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 94,425,613 117,821,964 Loans third parties
 pihak ketiga
Pinjaman yang diberikan 232,696 314,179 Loans related parties
pihak berelasi
Cadangan kerugian ( 10,825,155 ) ( 3,366,887 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Piutang murabahah Murabahah receivables
Piutang murabahah pihak 2,591,740 1,644,500 Murabahah receivables
ketiga third parties
Cadangan kerugian ( 20,505 ) ( 16,181 ) Allowance for impairment
penurunan nilai pada losses for murabahah
piutang murabahah receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga 1,021,916 714,425 Ijarah receivables third
parties
Piutang ijarah pihak 1,034 640 Ijarah receivables related
berelasi parties
Cadangan kerugian ( 410,570 ) ( 5,509 ) Allowance for impairment
penurunan nilai pada losses for ijarah receivables
piutang ijarah
Pinjaman qardh Qardh funds
Pinjaman qardh pihak 181 Qardh funds third parties
ketiga
Cadangan kerugian ( 25 ) Allowance for impairment
penurunan nilai pada losses for qardh funds
pinjaman qardh
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah 2,615,234 895,160 Musyarakah financing third
pihak ketiga parties
Pembiayaan musyarakah 1,935 Musyarakah financing
pihak berelasi related parties
Cadangan kerugian ( 7,475 ) ( 867 ) Allowance for impairment
penurunan nilai pada losses for musyarakah
pembiayaan musyarakah financing
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang 23,825 23,485 Factoring receivables third
pihak ketiga parties
Cadangan kerugian ( 277 ) ( 304 ) Allowance for impairment
penurunan nilai pada losses for factoring
tagihan anjak piutang receivables
Aset keuangan lainnya 264,184 233,994 Other financial assets
Obligasi pemerintah 7,375,829 12,732,974 Government bonds
Aset tidak lancar atau 21,120 7,543 Non-current assets or disposal
kelompok lepasan groups classified as
diklasifikasikan sebagai dimiliki held-for-sale
untuk dijual
Uang muka 166,323 188,712 Advances
Biaya dibayar dimuka 387,998 382,956 Prepaid expenses
Klaim atas pengembalian 276,460 126,870 Claims for tax refund
pajak
Aset pajak tangguhan 2,650,768 422,929 Deferred tax assets
Investasi pada entitas anak, Investments in subsidiaries,
ventura bersama, dan entitas joint ventures and
asosiasi associates
Investasi pada entitas 2,488,861 2,465,417 Investments in associates
asosiasi
Goodwill 113,015 113,015 Goodwill
Aset takberwujud selain 299,965 276,251 Intangible assets other than
goodwill goodwill
Aset ijarah 5,132,653 7,859,863 Ijarah assets
 Aset tetap 2,554,424 2,724,378 Property and equipment
Agunan yang diambil alih 222,774 295,348 Foreclosed assets
Aset lainnya 988,104 1,007,819 Other assets
Jumlah aset 165,527,512 182,689,351 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 607,930 448,408 Obligations due
immediately
Dana simpanan syariah 13,048,379 12,010,667 Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 25,342,798 23,339,840 Current accounts
third parties
Giro pihak berelasi 4,400,713 5,375,718 Current accounts
related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah pihak 171,523 128,108 Wadiah demand
ketiga deposits third parties
Giro wadiah pihak 2,943 6,229 Wadiah demand
berelasi deposits related
parties
Tabungan Savings
Tabungan pihak 21,967,891 19,907,360 Savings third parties
ketiga
Tabungan pihak 352,728 465,014 Savings related
berelasi parties
Tabungan wadiah Wadiah savings
Tabungan wadiah 168,382 39,467 Wadiah savings third
pihak ketiga parties
Tabungan wadiah 595 Wadiah savings
pihak berelasi related parties
Deposito berjangka Time deposits
Deposito berjangka 58,477,394 77,969,064 Time deposits third
pihak ketiga parties
Deposito berjangka 6,829,904 6,729,925 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 2,201,045 1,811,103 Other banks deposits
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 45,086 177,541 Derivative payables
ketiga third parties
Liabilitas derivatif pihak 568 1,414 Derivative payables
berelasi related parties
Liabilitas akseptasi 3,990,150 4,736,078 Acceptance payables
Utang dividen 23 23 Dividends payable
Efek yang diterbitkan Securities issued
Obligasi 672,137 Bonds
Provisi 111,484 142,786 Provisions
Pendapatan ditangguhkan 212,259 193,894 Deferred income
Beban akrual 1,177,535 1,004,849 Accrued expenses
Liabilitas lainnya 540,216 380,320 Other liabilities
Kewajiban imbalan pasca 61,774 431,526 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 5,379,530 5,361,230 Subordinated loans third
pihak ketiga parties
Pinjaman subordinasi 1,147,056 2,543,806 Subordinated loans
pihak berelasi related parties
 Jumlah liabilitas 146,237,906 163,876,507 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 3,125,134 1,818,122 Common stocks
Tambahan modal 14,970,302 10,781,784 Additional paid-in capital
disetor
Uang muka setoran 1,500,000 Advances in capital
modal stock
Cadangan revaluasi 1,693,735 1,634,051 Revaluation reserves
Cadangan perubahan ( 23,665 ) ( 22,708 ) Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Cadangan lainnya 5,412 62,275 Other reserves
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 363,624 363,624 General and
dan wajib legal reserves
Saldo laba yang ( 2,344,945 ) 4,175,687 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 19,289,597 18,812,835 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Kepentingan 9 9 Non-controlling interests
non-pengendali
Jumlah ekuitas 19,289,606 18,812,844 Total equity
Jumlah liabilitas, dana syirkah 165,527,512 182,689,351 Total liabilities, temporary
temporer dan ekuitas syirkah funds and equity
[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or

penghasilan loss and other
komprehensif lain comprehensive
income
31 December 2016 31 December 2015
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 14,398,570 16,130,822 Interest income
Beban bunga ( 8,515,129 ) ( 9,933,923 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi 87,898 137,928 Investments income
Pendapatan provisi dan 671,994 875,653 Provisions and
komisi dari transaksi commissions income from
lainnya selain kredit transactions other than loan
Pendapatan transaksi 175,935 83,826 Revenue from trading
perdagangan transactions
Pendapatan dividen 105 130 Dividends income
Keuntungan (kerugian) 389,013 212,002 Realised gains (losses)
yang telah direalisasi atas from derivative instruments
instrumen derivatif
Penerimaan kembali aset 0 Revenue from recovery of
yang telah dihapusbukukan written-off assets
Keuntungan (kerugian) 66,448 93,380 Gains (losses) on changes
selisih kurs mata uang in foreign exchange rates
asing
Keuntungan (kerugian) 595 26 Gains (losses) on disposal
pelepasan aset tetap of property and equipment
Keuntungan (kerugian) 3,613 ( 2,561 ) Gains (losses) on disposal
pelepasan agunan yang of foreclosed assets
diambil alih
Pendapatan operasional 688,937 564,227 Other operating income
lainnya
Pemulihan penyisihan Recovery of impairment loss
kerugian penurunan nilai
Pemulihan penyisihan 309,605 12,189 Recovery of impairment
kerugian penurunan nilai loss of financial assets
aset keuangan
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 12,517,261 ) ( 3,690,224 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan ( 1,057,132 ) ( 1,036,219 ) General and administrative
administrasi expenses
Beban penjualan ( 117,982 ) ( 142,604 ) Selling expenses
Beban sewa, ( 585,068 ) ( 594,363 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
Beban provisi dan komisi ( 51,225 ) ( 56,440 ) Other fees and
commissions expenses
Beban operasional ( 2,818,416 ) ( 2,602,152 ) Other operating expenses
lainnya
Jumlah laba operasional
Pendapatan dan beban bukan
operasional
Bagian atas laba (rugi) entitas
asosiasi yang dicatat dengan
menggunakan metode ekuitas
Jumlah laba (rugi) sebelum pajak
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi)
Pendapatan komprehensif
lainnya, setelah pajak
Pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif
lainnya atas keuntungan
(kerugian) hasil revaluasi
aset tetap, setelah pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, setelah pajak
Penyesuaian lainnya atas
pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
tidak akan direklasifikasi ke
laba rugi, setelah pajak
Pendapatan komprehensif
lainnya yang akan
direklasifikasi ke laba rugi,
setelah pajak
Keuntungan (kerugian)
yang belum direalisasi atas
perubahan nilai wajar aset
keuangan yang tersedia
untuk dijual, setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
akan direklasifikasi ke laba
rugi, setelah pajak
Jumlah pendapatan
komprehensif lainnya, setelah
pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat
diatribusikan
Laba (rugi) yang dapat
diatribusikan ke entitas induk
Laba rugi komprehensif yang
dapat diatribusikan
Laba rugi komprehensif yang
dapat diatribusikan ke entitas
induk
Laba (rugi) per saham
Laba per saham dasar
diatribusikan kepada pemilik
( 8,869,500 ) 51,697 Total profit from operation
Non-operating income and
expense
235,466 241,838 Share of profit (loss) of
associates accounted for using
equity method
( 8,634,034 ) 293,535 Total profit (loss) before tax
2,150,950 ( 46,423 ) Tax benefit (expenses)
( 6,483,084 ) 247,112 Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
59,684 1,634,051 Other comprehensive
income for gains (losses)
on revaluation of property
and equipment, after tax
( 37,548 ) 32,885 Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
( 56,863 ) 68,694 Other adjustments to other
comprehensive income that
will not be reclassified to
profit or loss, after tax
( 34,727 ) 1,735,630 Total other comprehensive
income that will not be
reclassified to profit or loss,
after tax
Other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 957 ) ( 86,633 ) Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
( 957 ) ( 86,633 ) Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 35,684 ) 1,648,997 Total other comprehensive
income, after tax
( 6,518,768 ) 1,896,109 Total comprehensive income
Profit (loss) attributable to
( 6,483,084 ) 247,112 Profit (loss) attributable to
parent entity
Comprehensive income
attributable to
( 6,518,768 ) 1,896,109 Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
entitas induk of the parent entity
Laba (rugi) per saham ( 368 ) 21 Basic earnings (loss) per
dasar dari operasi yang share from continuing
dilanjutkan operations
Laba (rugi) per saham Diluted earnings (loss) per
dilusian share
Laba (rugi) per saham ( 368 ) 21 Diluted earnings (loss) per
dilusian dari operasi yang share from continuing
dilanjutkan operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2016

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Cadangan keuntungan Ekuitas yang dapat
Cadangan selisih kurs Cadangan pembayaran Cadangan lindung nilai arus Cadangan pengukuran kembali Selisih transaksi ekuitas Transaksi dengan pihak Komponen transaksi ekuitas ditentukan ditentukan Saldo laba yang belum
Saham biasa Saham preferen Tambahan modal disetor Saham tresuri Uang muka setoran modal Cadangan revaluasi wajar aset keuangan tersedia (kerugian) investasi pada Cadangan lainnya Kepentingan ekuitas lainnya diatribusikan kepada entitas Kepentingan non-pengendali Ekuitas
penjabaran berbasis saham kas program imbalan pasti dengan pihak non-pengendali non-pengendali lainnya lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual instrumen ekuitas induk
umum dan wajib khusus
Reserve for changes in fair Reserve of gains (losses) from Difference in value of equity Appropriated retained
Reserve of exchange Reserve of share-based Reserve of remeasurements of Other transactions with Other components of equity Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Revaluation reserves value of available-for-sale investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Non-controlling interests Equity
differences on translation payments defined benefit plans non-controlling interests transactions earnings-specific reserves earnings entity
financial assets instruments non-controlling interests reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 1,818,122 0 10,781,784 0 0 1,634,051 0 ( 22,708 ) 0 0 0 0 62,275 0 0 0 0 363,624 4,175,687 18,812,835 9 18,812,844 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 1,818,122 0 10,781,784 0 0 1,634,051 0 ( 22,708 ) 0 0 0 0 62,275 0 0 0 0 363,624 4,175,687 18,812,835 9 18,812,844 Equity position, beginning of the
period
Laba (rugi) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 ( 6,483,084 ) ( 6,483,084 ) 0 ( 6,483,084 ) Profit (loss)
Pendapatan komprehensif lainnya 0 0 0 0 0 59,684 0 ( 957 ) 0 0 0 0 ( 56,863 ) 0 0 0 0 0 0 ( 37,548 ) ( 35,684 ) 0 ( 35,684 ) Other comprehensive income
Penerbitan saham biasa 1,307,012 4,188,518 1,500,000 6,995,530 6,995,530 Issuance of common stocks
Posisi ekuitas, akhir periode 3,125,134 14,970,302 1,500,000 1,693,735 ( 23,665 ) 0 5,412 363,624 ( 2,344,945 ) 19,289,597 9 19,289,606 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2015

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah
Ekuitas yang dapat
Cadangan selisih kurs Cadangan pengukuran kembali ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Opsi saham diatribusikan kepada entitas Kepentingan non-pengendali Ekuitas
penjabaran program imbalan pasti penggunaannya-cadangan ditentukan penggunaannya
induk
umum dan wajib
Appropriated retained
Reserve of exchange Reserve of remeasurements of Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Stock options earnings-general and legal Non-controlling interests Equity
differences on translation defined benefit plans earnings entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 1,818,122 10,781,784 0 63,925 ( 6,419 ) 363,624 4,062,064 17,083,100 9 17,083,109 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 1,818,122 10,781,784 63,925 ( 6,419 ) 363,624 4,062,064 17,083,100 9 17,083,109 Equity position, beginning of the
period
Laba (rugi) 247,112 247,112 247,112 Profit (loss)
Pendapatan komprehensif lainnya 1,634,051 ( 86,633 ) 68,694 32,885 1,648,997 1,648,997 Other comprehensive income
Distribusi dividen kas ( 166,374 ) ( 166,374 ) ( 166,374 ) Distributions of cash dividends
Posisi ekuitas, akhir periode 1,818,122 10,781,784 1,634,051 ( 22,708 ) 62,275 363,624 4,175,687 18,812,835 9 18,812,844 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cash

flows
31 December 2016 31 December 2015
Arus kas dari aktivitas operasi Cash flows from operating
activities
Arus kas sebelum Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan bunga, hasil 15,526,818 17,034,131 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 7,811,838 ) ( 9,174,245 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan (pembayaran) 1,238,459 1,279,873 Receipts (payments) of
komisi commission
Pendapatan dari transaksi 924,681 ( 1,181,128 ) Income from other
operasional lainnya operating transactions
Pembayaran gaji dan ( 2,605,465 ) ( 2,339,875 ) Payments for salaries and
tunjangan allowances
Pembayaran beban ( 1,447,251 ) ( 1,508,750 ) Payments for other
operasional lainnya operating expenses
Penerimaan (pengeluaran) 278,206 ( 287,550 ) Other cash inflows
kas lainnya dari aktivitas (outflows) from operating
operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) efek ( 3,227,881 ) 179,926 Decrease (increase) in
yang dibeli dengan janji securities purchased under
dijual kembali resale agreements
Penurunan (kenaikan) ( 1,141 ) 8,568 Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) 16,120,873 171,898 Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) 2,384 23,485 Decrease (increase) in
tagihan anjak piutang factoring
Penurunan (kenaikan) Decrease (increase) in
piutang dan pembiayaan sharia financing and
syariah receivables
Penurunan (kenaikan) ( 836,255 ) ( 767,109 ) Decrease (increase) in
piutang murabahah murabahah receivables
Penurunan (kenaikan) ( 39,174 ) 61,983 Decrease (increase) in
piutang ijarah ijarah receivables
Penurunan (kenaikan) 181 181 Decrease (increase) in
pinjaman qardh qardh funds
Penurunan (kenaikan) ( 926,002 ) 788,227 Decrease (increase) in
pembiayaan musyarakah financing
musyarakah
Penurunan (kenaikan) 1,790,420 ( 407,139 ) Decrease (increase) in
aset ijarah ijarah assets
Penurunan (kenaikan) aset 683,677 301,990 Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 155,125 ( 95,923 ) Increase (decrease) in
liabilitas segera obligations due immediately
 Kenaikan (penurunan) giro 5,603,407 3,676,280 Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) ( 20,710,511 ) ( 6,643,675 ) Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) giro 283,312 ( 45,789 ) Increase (decrease) in
wadiah simpanan nasabah customers wadiah demand
deposits
Kenaikan (penurunan) ( 24,543 ) 39,203 Increase (decrease) in
tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) 340,922 137,323 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) giro ( 57,279 ) 92,472 Increase (decrease) in
mudharabah mudharabah current
account
Kenaikan (penurunan) ( 153,500 ) 362,192 Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 225,685 101,834 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang 5,333,310 1,808,383 Total net cash flows received
diperoleh dari (digunakan from (used in) operating
untuk) aktivitas operasi activities
Arus kas dari aktivitas investasi Cash flows from investing
activities
Pencairan (penempatan) 155,159 139,399 Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 86,219 ) ( 103,596 ) Proceeds from disposal
(perolehan) properti investasi (acquisition) of investment
properties
Penerimaan dari penjualan ( 100,401 ) ( 89,986 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pencairan (penempatan) ( 10,211,531 ) 4,350,906 Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Penerimaan (pengeluaran) kas 747,569 859,428 Other cash inflows (outflows)
lainnya dari aktivitas investasi from investing activities
Jumlah arus kas bersih yang ( 9,495,423 ) 5,156,151 Total net cash flows received
diperoleh dari (digunakan from (used in) investing
untuk) aktivitas investasi activities
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Kenaikan (penurunan) efek ( 672,000 ) ( 696,000 ) Increase (decrease) in
yang diterbitkan securities issued
Penerimaan pinjaman yang 0 ( 9,908 ) Proceeds from borrowings
diterima
Pembayaran pinjaman ( 1,388,549 ) Payments of subordinated
subordinasi loans
Penerimaan dari penerbitan 5,499,906 Proceeds from issuance of
saham baru new stocks
Pembayaran biaya emisi ( 4,376 ) Payments of stock issuance
saham costs
Penerimaan setoran modal 1,500,000 Proceeds from capital
contributions
Pembayaran dividen dari (0) ( 166,374 ) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas ( 799,855 ) ( 793,667 ) Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
 pendanaan
Jumlah arus kas bersih yang 4,135,126 ( 1,665,949 ) Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) ( 26,987 ) 5,298,585 Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 24,145,117 18,359,640 Cash and cash equivalents cash
periode flows, beginning of the period
Efek perubahan nilai kurs pada 37,772 486,892 Effect of exchange rate changes
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, 24,155,902 24,145,117 Cash and cash equivalents cash
akhir periode flows, end of the period