[1000000] General information

Informasi umum General information

31 December 2016
Nama entitas Bank Danamon Indonesi Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from the end
periode laporan sebelumnya of the preceding reporting period
Kode entitas BDMN Entity code
Nomor identifikasi entitas AA058 Entity identification number
Industri utama entitas Keuangan dan Syariah / F Entity main industry
Sektor 8. Finance Sector
Subsektor 81. Bank Subsector
Informasi pemegang saham pengendali Foreign Corporation Controlling shareholder information
Jenis entitas Local Company - Type of entity
Indonesia Jurisdiction
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempat entitas Type of board on which the entity is listed
tercatat Utama / Main
Apakah merupakan laporan keuangan satu Entitas grup / Group Whether the financial statements are of an
entitas atau suatu kelompok entitas entity individual entity or a group of entities
Periode penyampaian laporan keuangan Period of financial statements submissions
Tahunan / Annual
Tanggal awal periode berjalan 2016-01-01 Current period start date
Tanggal akhir periode berjalan 2016-12-31 Current period end date
Tanggal akhir tahun sebelumnya 2015-12-31 Prior year end date
Tanggal awal periode sebelumnya 2015-01-01 Prior period start date
Tanggal akhir periode sebelumnya 2015-12-31 Prior period end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan jika Conversion rate at reporting date if
mata uang penyajian selain rupiah presentation currency is other than rupiah
Pembulatan yang digunakan dalam Level of rounding used in financial
penyajian jumlah dalam laporan keuangan statements
Jutaan / In Million
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Pengecualia Type of auditor's opinion
Hal yang diungkapkan dalam paragraf Matters disclosed in emphasis-of-matter or
pendapat untuk penekanan atas suatu 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 Date of auditor's opinion or result of review
review February 24, 2017 report
Auditor tahun berjalan Purwantono, Suherman & Current year auditor
Nama partner audit tahun berjalan Name of current year audit signing partner
Yasir
Lama tahun penugasan partner yang Number of years served as audit signing
menandatangani partner
Auditor tahun sebelumnya Purwantono, Suherman & Prior year auditor
Nama partner audit tahun sebelumnya Hari Purwantono Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan peraturan Ya / Yes Whether in compliance with BAPEPAM LK
BAPEPAM LK VIII G 11 tentang tanggung VIII G 11 rules concerning responsibilities of
jawab direksi atas laporan keuangan board of directors on financial statements
Kepatuhan terhadap pemenuhan peraturan Ya / Yes Whether in compliance with BAPEPAM LK
BAPEPAM LK VIII A dua tentang VIII A two rules concerning independence of
independensi akuntan yang memberikan accountant providing audit services in
jasa audit di pasar modal capital market
[4220000] Statement of financial position presented using order of liquidity - Financial and Sh
Industry

Laporan posisi keuangan

31 December 2016 31 December 2015

Aset
Kas 2,265,049 2,727,817
Dana yang dibatasi penggunaannya
Giro pada bank indonesia 7,352,383 9,510,978
Giro pada bank lain
Giro pada bank lain pihak ketiga 1,568,444 3,678,046

Giro pada bank lain pihak berelasi 201,012 190,573

Cadangan kerugian penurunan nilai (1,060) (2,125)

pada giro pada bank lain
Penempatan pada bank indonesia dan
bank lain
Penempatan pada bank indonesia 5,939,628 17,989,084
dan bank lain pihak ketiga
Penempatan pada bank indonesia
dan bank lain pihak berelasi
Cadangan kerugian penurunan nilai (2,666) (6,455)
pada penempatan pada bank lain
Piutang asuransi
Piutang asuransi pihak ketiga 231,109 284,181
Piutang asuransi pihak berelasi 1,635 659
Cadangan kerugian penurunan nilai
pada piutang asuransi
Biaya akuisisi tangguhan
Deposito pada lembaga kliring dan
penjaminan
Efek-efek yang diperdagangkan
Efek-efek yang diperdagangkan 17,427,578 6,376,402
pihak ketiga
Efek-efek yang diperdagangkan 18,350 15,785
pihak berelasi
Cadangan kerugian penurunan nilai (37,665) (500)
pada efek-efek yang diperdagangkan
Investasi pemegang polis pada kontrak
unit-linked
Efek yang dibeli dengan janji dijual 0
kembali
Wesel ekspor dan tagihan lainnya
Wesel ekspor dan tagihan lainnya
pihak ketiga
Wesel ekspor dan tagihan lainnya
pihak berelasi
Cadangan kerugian penurunan nilai
pada wesel ekspor dan tagihan
lainnya
Tagihan akseptasi
 Tagihan akseptasi pihak ketiga 1,933,373 5,063,345
Tagihan akseptasi pihak berelasi 2,561 6,264

Cadangan kerugian penurunan nilai (52) (0)

pada tagihan akseptasi
Tagihan derivatif
Tagihan derivatif pihak ketiga 259,124 992,721
Tagihan derivatif pihak berelasi
Pinjaman yang diberikan
Pinjaman yang diberikan pihak ketiga 94,928,936 102,419,722
Pinjaman yang diberikan pihak 286,211 423,266
berelasi
Cadangan kerugian penurunan nilai (3,326,631) (3,359,933)
pada pinjaman yang diberikan
Piutang dari lembaga kliring dan
penjaminan
Piutang nasabah
Piutang nasabah pihak ketiga

Piutang nasabah pihak berelasi

Cadangan kerugian penurunan nilai

pada piutang nasabah
Piutang murabahah
Piutang murabahah pihak ketiga
Piutang murabahah pihak berelasi

Cadangan kerugian penurunan nilai

pada piutang murabahah
Piutang istishna
Piutang istishna pihak ketiga
Piutang istishna pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang istishna
Piutang ijarah
Piutang ijarah pihak ketiga
Piutang ijarah pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang ijarah
Piutang pembiayaan konsumen
Piutang pembiayaan konsumen 26,272,380 24,966,870
pihak ketiga
Piutang pembiayaan konsumen
pihak berelasi
Cadangan kerugian penurunan nilai (1,210,614) (1,080,784)
pada piutang pembiayaan konsumen
Pinjaman qardh
Pinjaman qardh pihak ketiga
Pinjaman qardh pihak berelasi
Cadangan kerugian penurunan nilai
pada pinjaman qardh
Pembiayaan mudharabah
 Pembiayaan mudharabah pihak
ketiga
Pembiayaan mudharabah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan mudharabah
Pembiayaan musyarakah
Pembiayaan musyarakah pihak
ketiga
Pembiayaan musyarakah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan musyarakah
Investasi sewa
Investasi sewa pihak ketiga 897,551 1,557,057
Investasi sewa pihak berelasi
Investasi sewa nilai residu yang
terjamin
Investasi sewa pendapatan
pembiayaan tangguhan
Investasi sewa simpanan jaminan

Cadangan kerugian penurunan nilai (30,540) (35,008)

pada investasi sewa
Tagihan anjak piutang
Tagihan anjak piutang pihak ketiga
Tagihan anjak piutang pihak berelasi
Tagihan anjak piutang pada
pendapatan anjak piutang tangguhan
Cadangan kerugian penurunan nilai
pada tagihan anjak piutang
Piutang lainnya
Piutang lainnya pihak ketiga
Piutang lainnya pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang lainnya
Aset keuangan lainnya
Obligasi pemerintah 9,563,332 6,915,581
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
dijual
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
didistribusikan kepada pemilik
Uang muka 288,408 158,726
Biaya dibayar dimuka 671,619 733,276
Jaminan
Pajak dibayar dimuka 112,700 759,844
Klaim atas pengembalian pajak
Aset pajak tangguhan 2,162,250 1,552,979
Investasi yang dicatat dengan
menggunakan metode ekuitas
Investasi pada entitas anak, ventura
bersama, dan entitas asosiasi
 Investasi pada entitas anak
Investasi pada entitas ventura
bersama
Investasi pada entitas asosiasi 164,560 157,579
Aset reasuransi 724,479 792,534
Aset imbalan pasca kerja
Goodwill 1,074,533 1,074,533
Aset takberwujud selain goodwill 395,884 352,466
Properti investasi
Aset ijarah
Aset tetap 2,505,583 2,559,144
Agunan yang diambil alih 136,928 3,318
Aset pengampunan pajak
Aset lainnya 1,310,358 1,279,467
Jumlah aset 174,086,730 188,057,412
Liabilitas, dana syirkah temporer dan ekuitas

Liabilitas
Liabilitas segera
Bagi hasil yang belum dibagikan
Dana simpanan syariah
Simpanan nasabah
Giro
Giro pihak ketiga 14,960,027 15,878,278
Giro pihak berelasi 14,276 27,196
Giro wadiah
Giro wadiah pihak ketiga

Giro wadiah pihak berelasi

Tabungan
Tabungan pihak ketiga 32,435,978 32,778,372
Tabungan pihak berelasi 62,315 75,029
Tabungan wadiah
Tabungan wadiah pihak
ketiga
Tabungan wadiah pihak
berelasi
Deposito berjangka
Deposito berjangka pihak 56,213,064 66,312,598
ketiga
Deposito berjangka pihak 53,856 70,055
berelasi
Deposito wakalah
Deposito wakalah pihak
ketiga
Deposito wakalah pihak
berelasi
Simpanan dari bank lain 2,872,937 1,826,031
Efek yang dijual dengan janji untuk 0
dibeli kembali
Liabilitas derivatif
Liabilitas derivatif pihak ketiga 49,468 123,992
Liabilitas derivatif pihak berelasi 0 0
Utang asuransi
 Liabilitas kepada pemegang polis
unit-linked
Utang bunga 432,008 513,001
Liabilitas akseptasi 1,935,934 5,112,899
Utang usaha
Uang muka dan angsuran
Utang dividen 515 3,028
Utang dealer 670,105 509,881
Pinjaman yang diterima
Pinjaman yang diterima pihak 11,414,742 13,086,187
ketiga
Pinjaman yang diterima pihak 0
berelasi
Pinjaman yang diterima utang
pada lembaga kliring dan
penjaminan
Efek yang diterbitkan
Obligasi 8,397,979 9,714,134
Sukuk ijarah
Surat utang jangka menengah
Efek yang diterbitkan lainnya
Liabilitas kontrak asuransi
Utang perusahaan efek
Provisi
Pendapatan ditangguhkan 1,307,103 1,248,137
Liabilitas sewa pembiayaan
Estimasi kerugian komitmen dan
kontinjensi
Beban akrual 2,147,503 1,711,475
Utang pajak 117,100 135,963
Liabilitas pajak tangguhan
Liabilitas pengampunan pajak
Liabilitas lainnya 3,208,047 3,281,603
Kewajiban imbalan pasca kerja 1,415,801 1,434,704
Pinjaman subordinasi
Pinjaman subordinasi pihak ketiga
Pinjaman subordinasi pihak
berelasi
Jumlah liabilitas 137,708,758 153,842,563
Dana syirkah temporer
Bukan bank
Giro mudharabah
Giro mudharabah pihak
ketiga
Giro berjangka mudharabah
pihak berelasi
Tabungan mudharabah
Tabungan mudharabah pihak
ketiga
Tabungan mudharabah pihak
berelasi
Deposito berjangka mudharabah
 Deposito berjangka
mudharabah pihak ketiga
Deposito berjangka
mudharabah pihak berelasi
Bank
Giro mudharabah
Tabungan mudharabah (ummat)

Deposito berjangka mudharabah

Efek yang diterbitkan bank
Investasi mudharabah antar bank
Sukuk mudharabah
Sukuk mudharabah subordinasi
Jumlah dana syirkah temporer
Jumlah akumulasi dana tabarru
Ekuitas
Ekuitas yang diatribusikan kepada
pemilik entitas induk
Saham biasa 5,901,122 5,901,122
Saham preferen
Tambahan modal disetor 7,250,109 7,236,756
Saham tresuri
Uang muka setoran modal
Opsi saham
Cadangan revaluasi
Cadangan selisih kurs penjabaran

Cadangan perubahan nilai wajar 83,776 46,501

aset keuangan tersedia untuk
dijual
Cadangan keuntungan (kerugian)
investasi pada instrumen ekuitas
Cadangan pembayaran berbasis
saham
Cadangan lindung nilai arus kas (8,156) 18,359
Cadangan pengukuran kembali
program imbalan pasti
Cadangan lainnya
Komponen ekuitas lainnya 189 189
Saldo laba (akumulasi kerugian)
Saldo laba yang telah
ditentukan penggunaanya
Cadangan umum dan wajib 326,551 302,618
Cadangan khusus
Saldo laba yang belum 22,389,451 20,426,594
ditentukan penggunaannya
Jumlah ekuitas yang diatribusikan 35,943,042 33,932,139
kepada pemilik entitas induk
Proforma ekuitas
Kepentingan non-pengendali 434,930 282,710
Jumlah ekuitas 36,377,972 34,214,849
Jumlah liabilitas, dana syirkah temporer 174,086,730 188,057,412
dan ekuitas
g order of liquidity - Financial and Sharia

Statement of financial position

Assets
Cash
Restricted funds
Current accounts with bank Indonesia
Current accounts with other banks
Current accounts with other banks
third parties
Current accounts with other banks
related parties
Allowance for impairment losses for
current accounts with other bank
Placements with bank Indonesia and
other banks
Placements with bank Indonesia and
other banks third parties
Placements with bank Indonesia and
other banks related parties
Allowance for impairment losses for
placements with other banks
Insurance receivables
Insurance receivables third parties
Insurance receivables related parties
Allowance for impairment losses for
insurance receivables
Deferred acquisition costs
Deposits to clearing and settlement
guarantee institution
Marketable securities
Marketable securities third parties

Marketable securities related parties

Allowance for impairment losses for

marketable securities
Investments of policyholder in unit-linked
contracts
Securities purchased under agreement to
resale
Bills and other receivables
Bills and other receivables third parties

Bills and other receivables related parties

Allowance for impairment losses for

bills and other receivables

Acceptance receivables
Acceptance receivables third parties
Acceptance receivables related
parties
Allowance for impairment losses for
acceptance receivables
Derivative receivables
Derivative receivables third parties
Derivative receivables related parties
Loans
Loans third parties
Loans related parties

Allowance for impairment losses for loans

Receivables from clearing and settlement

guarantee institution
Receivables from customers
Receivables from customers third parties

Receivables from customers related parties

Allowance for impairment losses for

receivables from customers
Murabahah receivables
Murabahah receivables third parties
Murabahah receivables related parties

Allowance for impairment losses for

murabahah receivables
Istishna receivables
Istishna receivables third parties
Istishna receivables related parties
Allowance for impairment losses for
istishna receivables
Ijarah receivables
Ijarah receivables third parties
Ijarah receivables related parties
Allowance for impairment losses for
ijarah receivables
Consumer financing receivables
Consumer financing receivables third parties

Consumer financing receivables

related parties
Allowance for impairment losses for
consumer financing receivables
Qardh funds
Qardh funds third parties
Qardh funds related parties
Allowance for impairment losses for
qardh funds
Mudharabah financing
 Mudharabah financing third parties

Mudharabah financing related parties

Allowance for impairment losses for

mudharabah financing
Musyarakah financing
Musyarakah financing third parties

Musyarakah financing related parties

Allowance for impairment losses for

musyarakah financing
Lease investments
Lease investments third parties
Lease investments related parties
Lease investments guaranteed
residual value
Lease investments deferred
financing income
Lease investments guarantee deposits

Allowance for impairment losses for

lease investments
Factoring receivables
Factoring receivables third parties
Factoring receivables related parties
Factoring receivables on deferred
factoring income
Allowance for impairment losses for
factoring receivables
Other receivables
Other receivables third parties
Other receivables related parties
Allowance for impairment losses for
other receivables
Other financial assets
Government bonds
Non-current assets or disposal groups
classified as held-for-sale

Non-current assets or disposal groups

classified as held-for-distribution to
owners
Advances
Prepaid expenses
Guarantees
Prepaid taxes
Claims for tax refund
Deferred tax assets
Investments accounted for using equity
method
Investments in subsidiaries, joint ventures
and associates
 Investments in subsidiaries
Investments in joint ventures

Investments in associates
Reinsurance assets
Post-employment benefit assets
Goodwill
Intangible assets other than goodwill
Investment properties
Ijarah assets
Property and equipment
Foreclosed assets
Tax amnesty assets
Other assets
Total assets
Liabilities, temporary syirkah funds and
equity
Liabilities
Obligations due immediately
Undistributed profit sharing
Sharia deposits
Customers Deposits
Current accounts
Current accounts third parties
Current accounts related parties
Wadiah demand deposits
Wadiah demand deposits third parties

Wadiah demand deposits related parties

Savings
Savings third parties
Savings related parties
Wadiah savings
Wadiah savings third parties
Wadiah savings related parties
Time deposits
Time deposits third parties
Time deposits related parties

Wakalah deposits
Wakalah deposits third parties
Wakalah deposits related parties
Other banks deposits
Securities sold with repurchase agreement

Derivative payables
Derivative payables third parties
Derivative payables related parties
Insurance payables
 Liabilities to policyholder in unit-
linked contracts
Interest payables
Acceptance payables
Accounts payable
Advances and installments
Dividends payable
Dealer payables
Borrowings
Borrowings third parties

Borrowings related parties

Borrowings payables to clearing

and settlement guarantee
institution
Securities issued
Bonds
Ijarah sukuk
Mid-term loans
Others securities issued
Insurance contract liabilities
Securities company payables
Provisions
Deferred income
Finance lease liabilities
Estimated losses on commitments
and contingencies
Accrued expenses
Taxes payable
Deferred tax liabilities
Tax amnesty liabilities
Other liabilities
post-employment benefit obligations
Subordinated loans
Subordinated loans third parties
Subordinated loans related parties

Total liabilities
Temporary syirkah funds
Non-banks
Mudharabah current account
Mudharabah current account third parties

Mudharabah current account related parties

Mudharabah saving deposits

Mudharabah saving deposits third parties

Mudharabah saving deposits related parties

Mudharabah time deposits

 Mudharabah time deposits
third parties
Mudharabah time deposits
related parties
Bank
Mudharabah current account
Mudharabah saving deposits (ummat)

Mudharabah time deposits

Bank securities issued
Interbank mudharabah investments
Mudharabah sukuk
Subordinated mudharabah sukuk
Total temporary syirkah funds
Total accumulated tabarru's funds
Equity
Equity attributable to equity owners
of parent entity
Common stocks
Preferred stocks
Additional paid-in capital
Treasury stocks
Advances in capital stock
Stock options
Revaluation reserves
Reserve of exchange differences
on translation
Reserve for changes in fair value
of available-for-sale financial
Reserve of gains (losses) assets
from
investments in equity instruments
Reserve of share-based payments

Reserve of cash flow hedges

Reserve of remeasurements of
defined benefit plans
Other reserves
Other components of equity
Retained earnings (deficit)
Appropriated retained earnings

General and legal reserves

Specific reserves
Unappropriated retained earnings

Total equity attributable to equity

owners of parent entity
Proforma equity
Non-controlling interests
Total equity
Total liabilities, temporary syirkah funds
and equity
[4322000] Statement of profit or loss and other comprehensive income, OCI components pres
before tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan

penghasilan komprehensif lain

31 December 2016 31 December 2015

Pendapatan dan beban operasional
Pendapatan bunga 20,654,674 22,420,658
Beban bunga (6,875,653) (8,772,424)
Pendapatan pengelolaan dana oleh bank
sebagai mudharib
Hak pihak ketiga atas bagi hasil dana
syirkah temporer
Pendapatan asuransi
Pendapatan dari premi asuransi 1,828,757 1,760,947
Premi reasuransi
Premi retrosesi
Penurunan (kenaikan) premi yang
belum merupakan pendapatan
Penurunan (kenaikan) pendapatan
premi disesikan kepada reasuradur
Pendapatan komisi asuransi
Pendapatan bersih investasi
Penerimaan ujrah
Pendapatan asuransi lainnya
Beban asuransi
Beban klaim
Klaim reasuransi
Klaim retrosesi
Kenaikan (penurunan) estimasi
liabilitas klaim
Kenaikan (penurunan) liabilitas
manfaat polis masa depan
Kenaikan (penurunan) provisi yang
timbul dari tes kecukupan liabilitas

Kenaikan (penurunan) liabilitas

asuransi yang disesikan kepada
reasuradur
Kenaikan (penurunan) liabilitas
pemegang polis pada kontrak unit-
linked
Beban komisi asuransi
Ujrah dibayar
Beban akuisisi dari kontrak asuransi

Beban asuransi lainnya (1,207,651) (1,234,314)

Pendapatan dari pembiayaan
Pendapatan dari pembiayaan
konsumen
 Pendapatan dari sewa pembiayaan
Pendapatan dari sewa operasi
Pendapatan dari anjak piutang
Pendapatan sekuritas
Pendapatan kegiatan penjamin emisi
dan penjualan efek
Pendapatan pembiayaan transaksi
nasabah
Pendapatan jasa biro administrasi
efek
Pendapatan kegiatan jasa manajer
investasi
Pendapatan kegiatan jasa penasehat
keuangan
Keuntungan (kerugian) dari transaksi
perdagangan efek yang telah
direalisasi
Keuntungan (kerugian) perubahan
nilai wajar efek
Pendapatan operasional lainnya
Pendapatan investasi
Pendapatan provisi dan komisi dari 1,595,457 1,621,220
transaksi lainnya selain kredit
Pendapatan transaksi perdagangan
Pendapatan dividen 2,116 1,347
Keuntungan (kerugian) yang telah 176,281 188,419
direalisasi atas instrumen derivatif
Penerimaan kembali aset yang telah
dihapusbukukan
Keuntungan (kerugian) selisih kurs 79,428 17,051
mata uang asing
Keuntungan (kerugian) pelepasan
aset tetap
Keuntungan (kerugian) pelepasan
agunan yang diambil alih
Pendapatan operasional lainnya 2,218,187 2,253,666
Pemulihan penyisihan kerugian
penurunan nilai
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan -
sewa pembiayaan
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan -
piutang pembiayaan konsumen
Pemulihan penyisihan kerugian
penurunan nilai aset non-keuangan
Pemulihan penyisihan kerugian
penurunan nilai aset non-keuangan -
agunan yang diambil alih
Pemulihan penyisihan estimasi
kerugian atas komitmen dan
kontinjensi
Pembentukan kerugian penurunan nilai
 Pembentukan penyisihan kerugian
penurunan nilai aset produktif
Pembentukan penyisihan kerugian
penurunan nilai aset non-produktif
Pembalikan (beban) estimasi kerugian
komitmen dan kontijensi
Beban operasional lainnya
Beban umum dan administrasi (3,019,722) (3,414,532)
Beban penjualan
Beban sewa, pemeliharaan, dan
perbaikan
Beban provisi dan komisi (364,076) (279,470)

Beban operasional lainnya (10,153,586) (10,743,194)

Jumlah laba operasional 4,934,212 3,819,374
Pendapatan dan beban bukan operasional

Pendapatan bukan operasional 87,658 100,569

Beban bukan operasional (628,833) (638,409)
Bagian atas laba (rugi) entitas asosiasi
yang dicatat dengan menggunakan
metode ekuitas
Bagian atas laba (rugi) entitas ventura
bersama yang dicatat menggunakan
metode ekuitas
Jumlah laba (rugi) sebelum pajak 4,393,037 3,281,534
penghasilan
Pendapatan (beban) pajak (1,600,315) (812,377)
Jumlah laba (rugi) dari operasi yang 2,792,722 2,469,157
dilanjutkan
Laba (rugi) dari operasi yang dihentikan
Jumlah laba (rugi) 2,792,722 2,469,157
Pendapatan komprehensif lainnya, sebelum
pajak
Pendapatan komprehensif lainnya yang
tidak akan direklasifikasi ke laba rugi,
sebelum pajak
Pendapatan komprehensif lainnya
atas keuntungan (kerugian) hasil
revaluasi aset tetap, sebelum pajak
Pendapatan komprehensif lainnya 46,934 35,670
atas pengukuran kembali kewajiban
manfaat pasti, sebelum pajak
Penyesuaian lainnya atas
pendapatan komprehensif lainnya
yang tidak akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi, sebelum
pajak
Pendapatan komprehensif lainnya yang
akan direklasifikasi ke laba rugi, sebelum
pajak
 Keuntungan (kerugian) selisih kurs
penjabaran, sebelum pajak
Penyesuaian reklasifikasi selisih kurs
penjabaran, sebelum pajak

Keuntungan (kerugian) yang belum 52,364 7,502

direalisasi atas perubahan nilai wajar
aset keuangan yang tersedia untuk
dijual, sebelum pajak
Penyesuaian reklasifikasi atas aset 336 (59,522)
keuangan tersedia untuk dijual,
sebelum pajak
Keuntungan (kerugian) lindung nilai (38,021) 115,270
arus kas, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai arus kas, sebelum pajak
Nilai tercatat dari aset (liabilitas) non-
keuangan yang perolehan atau
keterjadiannya merupakan suatu
prakiraan transaksi yang
kemungkinan besar terjadi yang
dilindung nilai, sebelum pajak

Keuntungan (kerugian) lindung nilai

investasi bersih kegiatan usaha luar
negeri, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai investasi bersih kegiatan
usaha luar negeri, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas asosiasi yang
dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas ventura bersama
yang dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Penyesuaian lainnya atas
pendapatan komprehensif lainnya
yang akan direklasifikasi ke laba rugi,
sebelum pajak
Jumlah pendapatan komprehensif
lainnya yang akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif 61,613 98,920
lainnya, sebelum pajak
Pajak atas pendapatan komprehensif (20,254) (30,171)
lainnya
Jumlah pendapatan komprehensif lainnya, 41,359 68,749
setelah pajak
Jumlah laba rugi komprehensif 2,834,081 2,537,906
Laba (rugi) yang dapat diatribusikan
Laba (rugi) yang dapat diatribusikan ke 2,669,480 2,393,305
entitas induk
Laba (rugi) yang dapat diatribusikan ke 123,242 75,852
kepentingan non-pengendali
Laba rugi komprehensif yang dapat
diatribusikan
 Laba rugi komprehensif yang dapat 2,715,440 2,459,446
diatribusikan ke entitas induk
Laba rugi komprehensif yang dapat 118,641 78,460
diatribusikan ke kepentingan non-
pengendali
Laba (rugi) per saham
Laba per saham dasar diatribusikan
kepada pemilik entitas induk
Laba (rugi) per saham dasar dari 278.52 249.70
operasi yang dilanjutkan
Laba (rugi) per saham dasar dari
operasi yang dihentikan
Laba (rugi) per saham dilusian
Laba (rugi) per saham dilusian dari
operasi yang dilanjutkan
Laba (rugi) per saham dilusian dari
operasi yang dihentikan
ensive income, OCI components presented

Statement of profit or loss and

other comprehensive income

Operating income and expenses

Interest income
Interest expenses
Revenue from fund management as
mudharib
Third parties share on return of temporary
syirkah funds
Insurance income
Revenue from insurance premiums
Reinsurance premiums
Retrocession premiums
Decrease (increase) in unearned premiums

Decrease (increase) in premium

income ceded to reinsurancer
Insurance commission income
Net investment income
Ujrah received
Other insurance income
Insurance expenses
Claim expenses
Reinsurance claims
Retrocession claims
Increase (decrease) in estimated
claims liability
Increase (decrease) in liability for
future policy benefit
Increase (decrease) in provision for
losses arising from liability adequacy
test
Increase (decrease) in insurance
liabilities ceded to reinsurers

Increase (decrease) in liabilities to

policyholder in unit-linked contracts

Insurance commission expenses

Ujrah paid
Acquisition costs of insurance contracts

Other insurance expenses

Financing income
Revenue from consumer financing
 Revenue from finance lease
Revenue from operating lease
Revenue from factoring
Securities income
Revenue from underwriting activities
and selling fees
Revenue from financing transactions

Revenue from securities

administration service
Revenue from investment
management services
Revenue from financial advisory services

Realised gains (losses) on trading of

marketable securities

Gains (losses) on changes in fair

value of marketable securities
Other operating income
Investments income
Provisions and commissions income
from transactions other than loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from
derivative instruments
Revenue from recovery of written-off assets

Gains (losses) on changes in foreign

exchange rates
Gains (losses) on disposal of
property and equipment
Gains (losses) on disposal of
foreclosed assets
Other operating income
Recovery of impairment loss

Recovery of impairment loss of

financial assets
Recovery of impairment loss of
financial assets finance lease

Recovery of impairment loss of

financial assets consumer financing
receivables
Recovery of impairment loss of non-
financial assets
Recovery of impairment loss of non-
financial assets repossessed
collaterals
Recovery of estimated loss of
commitments and contingency

Allowances for impairment losses

Allowances for impairment losses on
earnings assets
Allowances for impairment losses on
non-earnings assets
Reversal (expense) of estimated losses
on commitments and contingencies
Other operating expenses
General and administrative expenses
Selling expenses
Rent, maintenance and improvement
expenses
Other fees and commissions expenses

Other operating expenses

Total profit from operation
Non-operating income and expense

Non-operating income
Non-operating expenses
Share of profit (loss) of associates
accounted for using equity method

Share of profit (loss) of joint ventures

accounted for using equity method

Total profit (loss) before tax

Tax benefit (expenses)

Total profit (loss) from continuing operations

Profit (loss) from discontinued operations

Total profit (loss)
Other comprehensive income, before tax

Other comprehensive income that will not

be reclassified to profit or loss, before tax

Other comprehensive income for

gains (losses) on revaluation of
property and equipment, before tax
Other comprehensive income for
remeasurement of defined benefit
obligation, before tax
Other adjustments to other
comprehensive income that will not
be reclassified to profit or loss,
before tax
Total other comprehensive income
that will not be reclassified to profit or
loss, before tax

Other comprehensive income that may be

reclassified to profit or loss, before tax
 Gains (losses) on exchange
differences on translation, before tax
Reclassification adjustments on
exchange differences on translation,
before tax
Unrealised gains (losses) on
changes in fair value of available-for-
sale financial assets, before tax

Reclassification adjustments on
available-for-sale financial assets,
before tax
Gains (losses) on cash flow hedges,
before tax
Reclassification adjustments on cash
flow hedges, before tax
Carrying amount of non-financial
asset (liability) whose acquisition or
incurrence was hedged on highly
probable forecast transaction,
adjusted from equity, before tax

Gains (losses) on hedges of net

investments in foreign operations,
before tax
Reclassification adjustments on
hedges of net investments in foreign
operations, before tax
Share of other comprehensive
income of associates accounted for
using equity method, before tax

Share of other comprehensive

income of joint ventures accounted
for using equity method, before tax

Other adjustments to other

comprehensive income that may be
reclassified to profit or loss, before
tax
Total other comprehensive income
that may be reclassified to profit or
loss, before tax
Total other comprehensive income, before
tax
Tax on other comprehensive income

Total other comprehensive income, after tax

Total comprehensive income

Profit (loss) attributable to
Profit (loss) attributable to parent entity

Profit (loss) attributable to non-controlling

interests
Comprehensive income attributable to
 Comprehensive income attributable to
parent entity
Comprehensive income attributable to
non-controlling interests

Earnings (loss) per share

Basic earnings per share attributable to
equity owners of the parent entity
Basic earnings (loss) per share from
continuing operations
Basic earnings (loss) per share from
discontinued operations
Diluted earnings (loss) per share
Diluted earnings (loss) per share
from continuing operations
Diluted earnings (loss) per share
from discontinued operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2016

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 5,901,122 7,236,756
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan
akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya 13,353
Posisi ekuitas, awal periode 5,901,122 7,250,109

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
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
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 5,901,122 7,250,109
Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves


Cadangan selisih kurs
penjabaran
Reserve of exchange
differences on translation
Cadangan perubahan nilai Cadangan keuntungan
wajar aset keuangan (kerugian) investasi pada Cadangan pembayaran
tersedia untuk dijual instrumen ekuitas berbasis saham
Reserve for changes in fair Reserve of gains (losses) from
value of available-for-sale investments in equity Reserve of share-based
financial assets instruments payments
46,501
46,501
37,275
83,776
 Cadangan pengukuran
Cadangan lindung nilai kembali program imbalan Kepentingan ekuitas
arus kas pasti Cadangan lainnya lainnya

Reserve of remeasurements of
Reserve of cash flow hedges defined benefit plans Other reserves Other equity interests

18,359

18,359

(26,515)
(8,156)

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Transaksi dengan pihak
non-pengendali lainnya
Other transactions with non-
controlling interests
Komponen transaksi
ekuitas lainnya
Other components of equity
transactions
Saldo laba yang telah
ditentukan
penggunaannya-cadangan
umum dan wajib
Appropriated retained earnings-
general and legal reserves

189 302,618

189 302,618

23,933
189 326,551
Saldo laba yang telah
ditentukan Ekuitas yang dapat
penggunaannya-cadangan Saldo laba yang belum diatribusikan kepada
khusus ditentukan penggunaannya entitas induk Proforma ekuitas

Appropriated retained earnings- Unappropriated retained Equity attributable to parent

specific reserves earnings entity Proforma equity

20,426,594 33,932,139

13,353
20,426,594 33,945,492

2,669,480 2,669,480
35,200 45,960
(23,933) 0

(717,890) (717,890)
22,389,451 35,943,042
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
282,710 34,214,849 Balance before restatement at
beginning of period
Adjustments
0 Initial adoption of new and
revised accounting standards
Voluntary changes in
accounting policies
Correction of prior period
13,353 errors
Other adjustments
282,710 34,228,202 Equity position, beginning of the
period
123,242 2,792,722 Profit (loss)
(4,601) 41,359 Other comprehensive income
0 Allocation for general reserves
Allocation for specific reserves
(42,012) (759,902) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments

Increase (decrease) in equity

through treasury stock transactions

Increase (decrease) in equity

through share-based payment
transactions
Exercise of convertible instruments

Exercise of warrants
Increase (decrease) in equity
through transactions with owner's
equity
Stock subscription from non-
controlling interests
Changes in non-controlling
interests due to acquisition of
subsidiaries
 Changes in non-controlling
interests due to establishment of
subsidiaries
Changes in non-controlling
interests due to disposal of
subsidiaries
Changes in non-controlling
interests due to disposal of a
discontinued operation
75,591 75,591 Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without loss
of control

Changes in non-controlling
interests due to other transactions
with non-controlling interests

Elimination of deficit in connection

with quasi-reorganisation
Stock options exercised
Impact of PSAK No. 70 adoption on
tax amnesty assets
Other equity transactions
434,930 36,377,972 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2015

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 5,901,122 7,391,756
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan
akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya (155,000)
Posisi ekuitas, awal periode 5,901,122 7,236,756

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
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
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 5,901,122 7,236,756
Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves


Cadangan selisih kurs
penjabaran
Reserve of exchange
differences on translation
Cadangan perubahan nilai Cadangan keuntungan
wajar aset keuangan (kerugian) investasi pada Cadangan pembayaran
tersedia untuk dijual instrumen ekuitas berbasis saham
Reserve for changes in fair Reserve of gains (losses) from
value of available-for-sale investments in equity Reserve of share-based
financial assets instruments payments
88,876
88,876
(42,375)
46,501
 Cadangan pengukuran
Cadangan lindung nilai kembali program imbalan Kepentingan ekuitas
arus kas pasti Cadangan lainnya lainnya

Reserve of remeasurements of
Reserve of cash flow hedges defined benefit plans Other reserves Other equity interests

(63,404)

(63,404)

81,763
18,359

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Transaksi dengan pihak
non-pengendali lainnya
Other transactions with non-
controlling interests
Komponen transaksi
ekuitas lainnya
Other components of equity
transactions
Saldo laba yang telah
ditentukan
penggunaannya-cadangan
umum dan wajib
Appropriated retained earnings-
general and legal reserves

189 276,578

189 276,578

26,040
189 302,618
Saldo laba yang telah
ditentukan Ekuitas yang dapat
penggunaannya-cadangan Saldo laba yang belum diatribusikan kepada
khusus ditentukan penggunaannya entitas induk Proforma ekuitas

Appropriated retained earnings- Unappropriated retained Equity attributable to parent

specific reserves earnings entity Proforma equity

18,813,725 32,408,842

(155,000)
18,813,725 32,253,842

2,393,305 2,393,305
26,753 66,141
(26,040)

(781,149) (781,149)
20,426,594 33,932,139
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
237,998 32,646,840 Balance before restatement at
beginning of period
Adjustments
Initial adoption of new and
revised accounting standards
Voluntary changes in
accounting policies
Correction of prior period
(155,000) errors
Other adjustments
237,998 32,491,840 Equity position, beginning of the
period
75,852 2,469,157 Profit (loss)
2,608 68,749 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(33,748) (814,897) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments

Increase (decrease) in equity

through treasury stock transactions

Increase (decrease) in equity

through share-based payment
transactions
Exercise of convertible instruments

Exercise of warrants
Increase (decrease) in equity
through transactions with owner's
equity
Stock subscription from non-
controlling interests
Changes in non-controlling
interests due to acquisition of
subsidiaries
 Changes in non-controlling
interests due to establishment of
subsidiaries
Changes in non-controlling
interests due to disposal of
subsidiaries
Changes in non-controlling
interests due to disposal of a
discontinued operation
Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without loss
of control

Changes in non-controlling
interests due to other transactions
with non-controlling interests

Elimination of deficit in connection

with quasi-reorganisation
Stock options exercised
Impact of PSAK No. 70 adoption on
tax amnesty assets
Other equity transactions
282,710 34,214,849 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
31 December 2016
Arus kas dari aktivitas operasi
Arus kas sebelum perubahan dalam aset
dan liabilitas operasi
Penerimaan bunga, hasil investasi,
provisi, dan komisi
Pembayaran bunga dan bonus,
provisi dan komisi
Bunga bank dan deposito berjangka
Penerimaan pendapatan
pengelolaan dana sebagai mudharib
Pembayaran bagi hasil dana syirkah
temporer
Penerimaan premi asuransi
Penerimaan klaim reasuransi
Penerimaan (pembayaran) komisi
Penerimaan klaim retrosesi
Penerimaan dari ujrah
Penerimaan dari (pembayaran
kepada) lembaga kliring dan
penjaminan
Penerimaan dari (pembayaran
kepada) nasabah
Pencairan (penempatan) deposito
pada lembaga kliring dan
penjaminan dari transaksi
Pendapatan
operasional lainnya
Penerimaan kembali aset yang telah
dihapusbukukan
Pembayaran biaya akuisisi
ditangguhkan
Pembayaran atas beban keuangan
dan beban administrasi bank
Pembayaran gaji dan tunjangan
Laba (rugi) selisih kurs
Penerimaan pengembalian
(pembayaran) pajak penghasilan
Pembayaran beban operasional
lainnya
Penerimaan pendapatan non-
operasional
Pengembalian (penempatan) uang
jaminan
Penerimaan (pengeluaran) kas
lainnya dari aktivitas operasi
Penurunan (kenaikan) aset operasi
Penurunan (kenaikan) penempatan
pada bank lain dan bank indonesia
Penurunan (kenaikan) efek yang
diperdagangkan
Statement of cash flows
31 December 2015
Cash flows from operating activities
Cash flows before changes in operating
assets and liabilities
10,456,769 11,293,640 Interest, investment income, fees
and commissions received
(7,310,388) (9,208,820) Payments Of Interest And Bonus
Fees And Commissions
Interest from banks and time
deposits
Revenue receipts from fund
management as mudharib
Payments of temporary syirkah funds
753,626 536,739 Receipts from insurance premiums
Receipts from reinsurance claims
Receipts (payments) of commission
Receipts from retrocession claims
Receipts of ujrah
Receipts from (payments to) clearing
and guarantee institution
Receipts from (payments to)
customers
Withdrawal (placement) of deposits
to clearing and guarantee institution
1,275,110 1,283,971 Income from other operating
transactions
Recoveries of written off assets
Payments for deferred acquisition
costs
Payments of finance costs and bank
administration charges
Payments for salaries and
allowances
(263,056) 980,587 Foreign currency gains (losses)
Refunds (payments) of income tax
(7,594,874) (8,643,000) Payments for other operating
expenses
(543,059) (661,503) Receipts from non-operating income
Repayment (placement) of
refundable deposits
9,186,696 15,684,734 Other cash inflows (outflows) from
operating activities
Decrease (increase) in operating assets
(297,198) (50,052) Decrease (increase) in placements
with other banks and bank indonesia
(323,427) (499,006) Decrease (increase) in marketable
securities
 Penurunan (kenaikan) efek yang
dibeli dengan janji dijual kembali
Penurunan (kenaikan) investasi
pemegang polis pada kontrak unit-
linked
Penurunan (kenaikan) wesel ekspor
dan tagihan lainnya
Penurunan (kenaikan) tagihan
akseptasi
Penurunan (kenaikan) pinjaman
yang diberikan
Penurunan (kenaikan) piutang
pembiayaan konsumen
Penurunan (kenaikan) investasi
sewa
Penurunan (kenaikan) tagihan anjak
piutang
Penurunan (kenaikan) piutang dan
pembiayaan syariah
Penurunan (kenaikan) piutang
murabahah
Penurunan (kenaikan) piutang
istishna
Penurunan (kenaikan) piutang
ijarah
Penurunan (kenaikan) pinjaman
qardh
Penurunan (kenaikan)
pembiayaan mudharabah
Penurunan (kenaikan)
pembiayaan musyarakah
Penurunan (kenaikan) aset ijarah
Penurunan (kenaikan) piutang
lainnya
Penurunan (kenaikan) agunan yang
diambil alih
Penurunan (kenaikan) tagihan
derivatif
Penurunan (kenaikan) aset
reasuransi
Penurunan (kenaikan) aset lainnya
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas
segera
Kenaikan (penurunan) giro dan
tabungan simpanan nasabah
Kenaikan (penurunan) deposito
berjangka nasabah
Kenaikan (penurunan) giro wadiah
simpanan nasabah
Kenaikan (penurunan) tabungan
wadiah simpanan nasabah
Kenaikan (penurunan) deposito
wakalah simpanan nasabah
0 540,541 Decrease (increase) in securities
purchased under resale agreements
Decrease (increase) in investment of
policyholder in unit-linked contracts
Decrease (increase) in bills and other
receivables
Decrease (increase) in acceptance
receivables
6,010,332 3,619,802 Decrease (increase) in loans
Decrease (increase) in consumer
financing receivables
Decrease (increase) in lease
investments
Decrease (increase) in factoring
Decrease (increase) in sharia
financing and receivables
Decrease (increase) in murabahah
receivables
Decrease (increase) in istishna
receivables
Decrease (increase) in ijarah
receivables
Decrease (increase) in qardh
funds
Decrease (increase) in
mudharabah financing
Decrease (increase) in
musyarakah financing
Decrease (increase) in ijarah
assets
Decrease (increase) in other
receivables
Decrease (increase) in foreclosed
assets
Decrease (increase) in derivative
receivables
Decrease (increase) in reinsurance
assets
(279,254) 290,942 Decrease (increase) in other assets
Increase (decrease) in operating liabilities
Increase (decrease) in obligations
due immediately
(1,082,424) (9,048,389) Increase (decrease) in current
accounts and customers savings
(9,777,123) 5,032,852 Increase (decrease) in customers
time deposits
Increase (decrease) in customers
wadiah demand deposits
Increase (decrease) in customers
wadiah saving deposits
Increase (decrease) in customers
wakalah deposits
 Kenaikan (penurunan) simpanan dari
bank lain
Kenaikan (penurunan) giro
mudharabah
Kenaikan (penurunan) tabungan
mudharabah
Kenaikan (penurunan) efek yang
dijual dengan janji dibeli kembali
Kenaikan (penurunan) liabilitas
akseptasi
Kenaikan (penurunan) liabilitas
pemegang polis pada kontrak unit-
linked
Kenaikan (penurunan) liabilitas
derivatif
Kenaikan (penurunan) dana syirkah
temporer
Kenaikan (penurunan) liabilitas
lainnya
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham
dalam klasifikasi dimiliki hingga jatuh
tempo dan tersedia untuk dijual
Pencairan (penempatan) obligasi dan
(atau) sukuk
Penerimaan dividen dari aktivitas
investasi
Penerimaan dari penjualan (perolehan)
properti investasi
Penerimaan dari penjualan (perolehan)
aset tetap
Penerimaan dari penjualan (perolehan)
aset takberwujud selain goodwill
Penerimaan dari (pembayaran kepada)
pinjaman polis
Pembayaran untuk perolehan entitas
anak
Penerimaan dari pelepasan entitas anak
Pembayaran untuk perolehan tambahan
kepemilikan pada entitas anak
Pencairan (penempatan) efek-efek yang
diperdagangkan
Penerimaan dari pelepasan kepentingan
di entitas anak tanpa hilangnya
pengendalian dari kegiatan investasi
Pembayaran untuk perolehan kepemilikan
pada entitas asosiasi
Penerimaan dari pelepasan kepemilikan
pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya
dari aktivitas investasi
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas investasi
Arus kas dari aktivitas pendanaan
1,047,316 (601,499) Increase (decrease) in other banks
saving deposits
Increase (decrease) in mudharabah
current account
Increase (decrease) in mudharabah
savings deposits
Increase (decrease) in securities sold
under repurchase agreement
Increase (decrease) in acceptance
payables
Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative
payables
Increase (decrease) in temporary
syirkah funds
(1,705,245) (1,556,930) Increase (decrease) in other liabilities
(446,199) 8,994,609 Total net cash flows received from (used
in) operating activities
Cash flows from investing activities
21,992,986 16,379,005 Proceeds from equity investments
classified as held-to-maturity and
available-for-sale
(34,683,210) (13,326,868) Withdrawal (placement) of bonds and (or)
sukuk
2,116 1,347 Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(574,262) (783,569) Proceeds from disposal (acquisition) of
property and equipment
Proceeds from disposal (acquisition) of
intangible assets other than goodwill
Receipts from (payments for) policy loans
Payments for acquisition of subsidiaries
Proceeds from sales of subsidiaries
Payments for acquisition of additional
interests in subsidiaries
Withdrawal (placement) of marketable
securities
Proceeds from sales of interests in
subsidiaries without loss of control from
investing activities
Payments for acquisition of interests in
associates
Proceeds from sales of interests in
associates
604,202 487,382 Other cash inflows (outflows) from
investing activities
(12,658,168) 2,757,297 Total net cash flows received from (used
in) investing activities
Cash flows from financing activities
 Kenaikan (penurunan) efek yang
diterbitkan
Penerbitan sukuk mudhrabah
Penempatan sertifikat investasi
mudharabah
Biaya emisi sukuk mudharabah
Penerimaan pinjaman yang diterima
Pembayaran pinjaman yang diterima
Penerimaan pinjaman subordinasi
Pembayaran pinjaman subordinasi
Pembayaran bunga pinjaman
Penerimaan dari penerbitan obligasi
Pembayaran utang obligasi
Pembayaran biaya emisi penerbitan
obligasi
Obligasi subordinasi yang diterbitkan
Pembayaran obligasi subordinasi
Biaya emisi obligasi subordinasi yang
diterbitkan
Penerimaan dari penerbitan saham baru
Pembayaran biaya emisi saham
Penerimaan setoran modal
Penjualan (pembelian) dari saham tresuri
Penerimaan dari program opsi saham
karyawan
Penyelesaian (penempatan) transaksi
derivatif
Pembayaran dividen dari aktivitas
pendanaan
Penerimaan (pengeluaran) kas lainnya
dari aktivitas pendanaan
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas
pendanaan
Jumlah kenaikan (penurunan) bersih kas
dan setara kas
Kas dan setara kas arus kas, awal periode
Efek perubahan nilai kurs pada kas dan
setara kas
Kenaikan (penurunan) kas dan setara kas
lainnya
Kas dan setara kas arus kas, akhir periode
Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
(2,356,189) (15,794) Proceeds from borrowings
Payments for borrowings
Proceeds from subordinated loans
Payments of subordinated loans
Payments of interests from borrowings
2,858,511 2,899,400 Proceeds from bonds issuance
(4,185,000) (5,090,000) Payments of bonds payable
Payments of bonds issuance costs
Subordinated bonds issued
Payments of subordinated bonds
Subordinated bonds issuance costs
Proceeds from issuance of new stocks
Payments of stock issuance costs
Proceeds from capital contributions
Sales (purchase) of treasury stocks
Proceeds from employee stock options
program
Settlement (placement) of derivative
transactions
(762,415) (814,796) Dividends paid from financing activities
760,335 (2,144,861) Other cash inflows (outflows) from
financing activities
(3,684,758) (5,166,051) Total net cash flows received from (used
in) financing activities
(16,789,125) 6,585,855 Total net increase (decrease) in cash and
cash equivalents
31,942,655 25,356,800 Cash and cash equivalents cash flows,
beginning of the period
Effect of exchange rate changes on cash
and cash equivalents
Other increase (decrease) in cash and cash
equivalents
15,153,530 31,942,655 Cash and cash equivalents cash flows, end
of the period