Nomor Surat 012/BP/CSG/II/18

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 31/12/2017 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 IDR 99998.0
Finansial konsumen beroperasi
Keluarga

Dokumen ini merupakan dokumen resmi Bank Permata Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. Bank

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

Informasi umum General information

31 December 2017
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, 2017 Current period start date
Tanggal akhir periode berjalan December 31, 2017 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2016 Prior year end date
Tanggal awal periode sebelumnya January 01, 2016 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2016 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 20, 2018 Date of auditor's opinion or result of
review review report
Auditor tahun berjalan Tanuderedja, Wibisana, Rintis & Current year auditor
Rekan
Nama partner audit tahun berjalan Drs. M. Jusuf Wibisana, M.EC., Name of current year audit signing
CPA partner
Lama tahun penugasan partner yang 1 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
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII A dua
tentang independensi akuntan yang
memberikan jasa audit di pasar modal
financial statements
Ya / Yes Whether in compliance with BAPEPAM
LK VIII A two rules concerning
independence of accountant providing
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 2017 31 December 2016
Aset Assets
Kas 1,940,485 2,070,557 Cash
Giro pada bank indonesia 8,541,582 10,541,849 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 750,324 1,131,314 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 426,744 738,029 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 147 ) ( 155 ) 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 6,298,118 8,047,102 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Penempatan pada bank 0 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak berelasi related parties
Cadangan kerugian ( 4,022 ) ( 1,440 ) Allowance for impairment
penurunan nilai pada losses for placements with
penempatan pada bank lain other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak 0 Insurance receivables third
ketiga parties
Piutang asuransi pihak 0 Insurance receivables
berelasi related parties
Cadangan kerugian (0) Allowance for impairment
penurunan nilai pada losses for insurance
piutang asuransi receivables
Biaya akuisisi tangguhan 0 Deferred acquisition costs
Deposito pada lembaga kliring 0 Deposits to clearing and
dan penjaminan settlement guarantee
institution
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 13,448,420 21,603,837 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 0 Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 1,337 ) Allowance for impairment
penurunan nilai pada losses for marketable
efek-efek yang securities
diperdagangkan
Investasi pemegang polis pada 0 Investments of policyholder in
kontrak unit-linked unit-linked contracts
Efek yang dibeli dengan janji 976,045 3,227,881 Securities purchased under
dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 1,473,660 1,471,160 Bills and other receivables
lainnya pihak ketiga third parties
Wesel ekspor dan tagihan 18,945 Bills and other receivables
lainnya pihak berelasi related parties
Cadangan kerugian ( 12,569 ) ( 5,985 ) Allowance for impairment
penurunan nilai pada wesel losses for bills and other
ekspor dan tagihan lainnya receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 3,686,189 3,982,723 Acceptance receivables
ketiga third parties
Tagihan akseptasi pihak 60,180 Acceptance receivables
berelasi related parties
Cadangan kerugian ( 116,509 ) ( 89,280 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 183,413 216,957 Derivative receivables third
ketiga parties
Tagihan derivatif pihak 164 474 Derivative receivables
berelasi related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 83,994,400 94,425,613 Loans third parties
pihak ketiga
Pinjaman yang diberikan 306,079 232,696 Loans related parties
pihak berelasi
Cadangan kerugian ( 8,472,134 ) ( 10,825,155 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Piutang dari lembaga kliring 0 Receivables from clearing and
dan penjaminan settlement guarantee
institution
Piutang murabahah Murabahah receivables
Piutang murabahah pihak 5,041,443 2,591,740 Murabahah receivables
ketiga third parties
Piutang murabahah pihak 18 Murabahah receivables
berelasi related parties
Cadangan kerugian ( 42,178 ) ( 20,505 ) Allowance for impairment
penurunan nilai pada losses for murabahah
piutang murabahah receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga 492,630 1,021,916 Ijarah receivables third
parties
Piutang ijarah pihak 1,358 1,034 Ijarah receivables related
berelasi parties
Cadangan kerugian ( 15,309 ) ( 410,570 ) Allowance for impairment
penurunan nilai pada losses for ijarah receivables
piutang ijarah
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah 4,732,158 2,615,234 Musyarakah financing third
pihak ketiga parties
Pembiayaan musyarakah 1,817 1,935 Musyarakah financing
pihak berelasi related parties
Cadangan kerugian ( 14,723 ) ( 7,475 ) Allowance for impairment
penurunan nilai pada losses for musyarakah
pembiayaan musyarakah financing
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang 84,230 23,825 Factoring receivables third
pihak ketiga parties
Tagihan anjak piutang 0 Factoring receivables
 pihak berelasi related parties
Tagihan anjak piutang pada 0 Factoring receivables on
pendapatan anjak piutang deferred factoring income
tangguhan
Cadangan kerugian ( 926 ) ( 277 ) Allowance for impairment
penurunan nilai pada losses for factoring
tagihan anjak piutang receivables
Piutang lainnya Other receivables
Piutang lainnya pihak 0 Other receivables third
ketiga parties
Piutang lainnya pihak 0 Other receivables related
berelasi parties
Cadangan kerugian (0) Allowance for impairment
penurunan nilai pada losses for other receivables
piutang lainnya
Aset keuangan lainnya 148,110 264,184 Other financial assets
Obligasi pemerintah 10,245,081 7,375,829 Government bonds
Aset tidak lancar atau 19,712 21,120 Non-current assets or disposal
kelompok lepasan groups classified as
diklasifikasikan sebagai dimiliki held-for-sale
untuk dijual
Aset tidak lancar atau 0 Non-current assets or disposal
kelompok lepasan groups classified as
diklasifikasikan sebagai dimiliki held-for-distribution to owners
untuk didistribusikan kepada
pemilik
Uang muka 229,802 166,323 Advances
Biaya dibayar dimuka 439,681 387,998 Prepaid expenses
Jaminan 0 Guarantees
Pajak dibayar dimuka 113,296 Prepaid taxes
Klaim atas pengembalian 440,287 276,460 Claims for tax refund
pajak
Aset pajak tangguhan 2,454,077 2,650,768 Deferred tax assets
Investasi yang dicatat dengan 0 Investments accounted for
menggunakan metode ekuitas using equity method
Investasi pada entitas anak, Investments in subsidiaries,
ventura bersama, dan entitas joint ventures and
asosiasi associates
Investasi pada entitas anak 0 Investments in subsidiaries
Investasi pada entitas 0 Investments in joint
ventura bersama ventures
Investasi pada entitas 2,478,262 2,488,861 Investments in associates
asosiasi
Aset reasuransi 0 Reinsurance assets
Aset imbalan pasca kerja 0 Post-employment benefit
assets
Goodwill 113,015 113,015 Goodwill
Aset takberwujud selain 372,268 299,965 Intangible assets other than
goodwill goodwill
Properti investasi 0 Investment properties
Aset ijarah 3,912,122 5,132,653 Ijarah assets
Aset tetap 2,460,534 2,554,424 Property and equipment
Agunan yang diambil alih 225,068 222,774 Foreclosed assets
Aset lainnya 898,507 988,104 Other assets
Jumlah aset 148,328,370 165,527,512 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 384,169 607,930 Obligations due
immediately
Bagi hasil yang belum 0 Undistributed profit sharing
dibagikan
Dana simpanan syariah 14,360,821 13,048,379 Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 22,016,388 25,342,798 Current accounts
third parties
Giro pihak berelasi 6,183,466 4,400,713 Current accounts
related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah pihak 180,210 171,523 Wadiah demand
ketiga deposits third parties
Giro wadiah pihak 4,198 2,943 Wadiah demand
berelasi deposits related
parties
Tabungan Savings
Tabungan pihak 19,787,159 21,967,891 Savings third parties
ketiga
Tabungan pihak 385,265 352,728 Savings related
berelasi parties
Tabungan wadiah Wadiah savings
Tabungan wadiah 280,858 168,382 Wadiah savings third
pihak ketiga parties
Tabungan wadiah 487 595 Wadiah savings
pihak berelasi related parties
Deposito berjangka Time deposits
Deposito berjangka 42,793,470 58,477,394 Time deposits third
pihak ketiga parties
Deposito berjangka 5,849,502 6,829,904 Time deposits
pihak berelasi related parties
Deposito wakalah Wakalah deposits
Deposito wakalah 0 Wakalah deposits
pihak ketiga third parties
Deposito wakalah 0 Wakalah deposits
pihak berelasi related parties
Simpanan dari bank lain 2,143,726 2,201,045 Other banks deposits
Efek yang dijual dengan 0 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 11,338 45,086 Derivative payables
ketiga third parties
Liabilitas derivatif pihak 610 568 Derivative payables
berelasi related parties
Utang asuransi 0 Insurance payables
Liabilitas kepada 0 Liabilities to policyholder in
pemegang polis unit-linked unit-linked contracts
Utang bunga 0 Interest payables
Liabilitas akseptasi 3,752,073 3,990,150 Acceptance payables
Utang usaha 0 Accounts payable
Uang muka dan angsuran 0 Advances and installments
Utang dividen 23 23 Dividends payable
Utang dealer 0 Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima 36,017 Borrowings third parties
pihak ketiga
Pinjaman yang diterima 0 Borrowings related
pihak berelasi parties
Pinjaman yang diterima 0 Borrowings payables to
 utang pada lembaga clearing and settlement
kliring dan penjaminan guarantee institution
Efek yang diterbitkan Securities issued
Obligasi 0 Bonds
Sukuk ijarah 0 Ijarah sukuk
Surat utang jangka 0 Mid-term loans
menengah
Efek yang diterbitkan 0 Others securities issued
lainnya
Liabilitas kontrak asuransi 0 Insurance contract liabilities
Utang perusahaan efek 0 Securities company
payables
Provisi 67,564 111,484 Provisions
Pendapatan ditangguhkan 225,800 212,259 Deferred income
Liabilitas sewa pembiayaan 0 Finance lease liabilities
Estimasi kerugian 0 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Beban akrual 1,184,496 1,177,535 Accrued expenses
Utang pajak 1,032 Taxes payable
Liabilitas pajak tangguhan 0 Deferred tax liabilities
Liabilitas lainnya 499,154 540,216 Other liabilities
Kewajiban imbalan pasca 138,159 61,774 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 5,346,399 5,379,530 Subordinated loans third
pihak ketiga parties
Pinjaman subordinasi 1,185,244 1,147,056 Subordinated loans
pihak berelasi related parties
Jumlah liabilitas 126,817,628 146,237,906 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 3,837,985 3,125,134 Common stocks
Saham preferen 0 Preferred stocks
Tambahan modal 17,252,901 14,970,302 Additional paid-in capital
disetor
Saham tresuri (0) Treasury stocks
Uang muka setoran 0 1,500,000 Advances in capital
modal stock
Opsi saham 0 Stock options
Cadangan revaluasi 1,693,735 1,693,735 Revaluation reserves
Cadangan selisih kurs 0 Reserve of exchange
penjabaran differences on
translation
Cadangan perubahan 67,999 ( 23,665 ) Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Cadangan keuntungan 0 Reserve of gains
(kerugian) investasi (losses) from
pada instrumen ekuitas investments in equity
instruments
Cadangan pembayaran 0 Reserve of share-based
berbasis saham payments
Cadangan lindung nilai 0 Reserve of cash flow
arus kas hedges
Cadangan pengukuran 0 Reserve of
kembali program remeasurements of
 imbalan pasti defined benefit plans
Cadangan lainnya ( 8,497 ) 5,412 Other reserves
Komponen ekuitas 0 Other components of
lainnya equity
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
Cadangan 0 Specific reserves
khusus
Saldo laba yang ( 1,697,014 ) ( 2,344,945 ) Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 21,510,733 19,289,597 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Kepentingan 9 9 Non-controlling interests
non-pengendali
Jumlah ekuitas 21,510,742 19,289,606 Total equity
Jumlah liabilitas, dana syirkah 148,328,370 165,527,512 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 2017 31 December 2016
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 11,198,146 14,398,570 Interest income
Beban bunga ( 5,973,920 ) ( 8,515,129 ) Interest expenses
Pendapatan pengelolaan dana 0 Revenue from fund
oleh bank sebagai mudharib management as mudharib
Hak pihak ketiga atas bagi 0 Third parties share on return of
hasil dana syirkah temporer temporary syirkah funds
Pendapatan operasional Other operating income
lainnya
Pendapatan investasi 39,379 87,898 Investments income
Pendapatan provisi dan 902,884 671,994 Provisions and
komisi dari transaksi commissions income from
lainnya selain kredit transactions other than loan
Pendapatan transaksi 161,659 175,935 Revenue from trading
perdagangan transactions
Pendapatan dividen 61 105 Dividends income
Keuntungan (kerugian) 96,576 389,013 Realised gains (losses)
yang telah direalisasi atas from derivative instruments
instrumen derivatif
Penerimaan kembali aset 0 0
Revenue from recovery of
yang telah dihapusbukukan written-off assets
Keuntungan (kerugian) 81,540 66,448 Gains (losses) on changes
selisih kurs mata uang in foreign exchange rates
asing
Keuntungan (kerugian) 4,402 595 Gains (losses) on disposal
pelepasan aset tetap of property and equipment
Keuntungan (kerugian) 34,276 3,613 Gains (losses) on disposal
pelepasan agunan yang of foreclosed assets
diambil alih
Pendapatan operasional 1,847,245 688,937 Other operating income
lainnya
Pemulihan penyisihan Recovery of impairment loss
kerugian penurunan nilai
Pemulihan penyisihan 62,639 309,605 Recovery of impairment
kerugian penurunan nilai loss of financial assets
aset keuangan
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 3,189,737 ) ( 12,517,261 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan ( 1,059,038 ) ( 1,057,132 ) General and administrative
administrasi expenses
Beban penjualan ( 127,047 ) ( 117,982 ) Selling expenses
Beban sewa, ( 615,742 ) ( 585,068 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
 Beban provisi dan komisi
Beban operasional
lainnya
Jumlah laba operasional
Pendapatan dan beban bukan
operasional
Pendapatan bukan operasional
Beban bukan operasional
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
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi
yang dilanjutkan
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
Bagian pendapatan
komprehensif lainnya dari
entitas ventura bersama
yang dicatat dengan
menggunakan metode
ekuitas, setelah pajak
Penyesuaian lainnya atas
pendapatan komprehensif
lainnya yang akan
( 51,082 ) ( 51,225 ) Other fees and
commissions expenses
( 2,700,128 ) ( 2,818,416 ) Other operating expenses
712,113 ( 8,869,500 ) Total profit from operation
Non-operating income and
expense
0 Non-operating income
(0) Non-operating expenses
239,019 235,466 Share of profit (loss) of
associates accounted for using
equity method
0 Share of profit (loss) of joint
ventures accounted for using
equity method
951,132 ( 8,634,034 ) Total profit (loss) before tax
( 202,699 ) 2,150,950 Tax benefit (expenses)
748,433 ( 6,483,084 ) Total profit (loss) from continuing
operations
748,433 ( 6,483,084 ) Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
0 59,684 Other comprehensive
income for gains (losses)
on revaluation of property
and equipment, after tax
( 100,502 ) ( 37,548 ) Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
1,465 ( 731 ) Other adjustments to other
comprehensive income that
will not be reclassified to
profit or loss, after tax
( 99,037 ) 21,405 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
121,198 64,967 Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
( 15,374 ) ( 56,132 ) Share of other
comprehensive income of
joint ventures accounted for
using equity method, after
tax
( 29,534 ) ( 65,924 ) Other adjustments to other
comprehensive income that
may be reclassified to profit
 direklasifikasi ke laba rugi,
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
entitas induk
Laba (rugi) per saham
dasar dari operasi yang
dilanjutkan
Laba (rugi) per saham
dilusian
Laba (rugi) per saham
dilusian dari operasi yang
dilanjutkan
or loss, after tax
76,290 ( 57,089 ) Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 22,747 ) ( 35,684 ) Total other comprehensive
income, after tax
725,686 ( 6,518,768 ) Total comprehensive income
Profit (loss) attributable to
748,433 ( 6,483,084 ) Profit (loss) attributable to
parent entity
Comprehensive income
attributable to
725,686 ( 6,518,768 ) Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
29 ( 368 ) Basic earnings (loss) per
share from continuing
operations
Diluted earnings (loss) per
share
29 ( 368 ) Diluted earnings (loss) per
share from continuing
operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2017

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Cadangan keuntungan Cadangan pengukuran Ekuitas yang dapat
Cadangan selisih kurs Cadangan pembayaran Cadangan lindung nilai arus 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 Opsi saham Cadangan revaluasi wajar aset keuangan tersedia (kerugian) investasi pada kembali program imbalan Cadangan lainnya Kepentingan ekuitas lainnya diatribusikan kepada entitas Proforma ekuitas Kepentingan non-pengendali Ekuitas
penjabaran berbasis saham kas dengan pihak non-pengendali non-pengendali lainnya lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual instrumen ekuitas pasti induk
umum dan wajib khusus
Reserve for changes in fair Reserve of gains (losses) 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 Stock options Revaluation reserves value of available-for-sale from investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Proforma equity 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 penyajian 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 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Initial adoption of new and revised
baru dan revisi accounting standards
Perubahan kebijakan akuntansi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Voluntary changes in accounting
secara sukarela policies
Koreksi kesalahan periode lalu 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Correction of prior period errors
Penyesuaian lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other adjustments
Posisi ekuitas, awal periode 3,125,134 0 14,970,302 0 1,500,000 0 1,693,735 0 ( 23,665 ) 0 0 0 0 5,412 0 0 0 0 363,624 0 ( 2,344,945 ) 19,289,597 0 9 19,289,606 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 0 748,433 748,433 0 0 748,433 Profit (loss)
Pendapatan komprehensif lainnya 0 0 0 0 0 0 0 91,664 0 0 0 0 ( 13,909 ) 0 0 0 0 0 0 ( 100,502 ) ( 22,747 ) 0 0 ( 22,747 ) Other comprehensive income
Pembentukan cadangan umum 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Allocation for specific reserves
Penerbitan saham biasa 712,851 0 2,282,599 0 ( 1,500,000 ) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 1,495,450 0 1,495,450 Issuance of common stocks
Penerbitan saham preferen 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Issuance of preferred stocks
Biaya emisi efek (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) Stock issuance costs
Penerbitan instrumen yang dapat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Issuance of convertible instruments
dikonversi
Kenaikan (penurunan) ekuitas melalui 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Increase (decrease) in equity through
transaksi saham tresuri treasury stock transactions
Kenaikan (penurunan) ekuitas melalui 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Increase (decrease) in equity through
transaksi pembayaran berbasis saham share-based payment transactions
Pelaksanaan instrumen yang dapat 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Exercise of convertible instruments
dikonversi
Pelaksanaan waran 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Exercise of warrants
Kenaikan (penurunan) ekuitas melalui 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Increase (decrease) in equity through
transaksi dengan pemilik ekuitas transactions with owner's equity
Setoran modal dari kepentingan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Stock subscription from non-controlling
non-pengendali interests
Perubahan kepentingan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Changes in non-controlling interests
non-pengendali atas akuisisi entitas due to acquisition of subsidiaries
anak
Perubahan kepentingan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Changes in non-controlling interests
non-pengendali atas pendirian entitas due to establishment of subsidiaries
anak
Perubahan kepentingan (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan entitas due to disposal of subsidiaries
anak
Perubahan kepentingan (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to disposal of a discontinued
operasi yang dihentikan operation
Perubahan kepentingan (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to partial disposal of interests in
sebagian kepemilikan pada entitas subsidiaries without loss of control
anak yang tidak mengakibatkan
hilangnya pengendalian
Perubahan kepentingan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Changes in non-controlling interests
non-pengendali atas transaksi lainnya due to other transactions with
dengan kepentingan non-pengendali non-controlling interests
Eliminasi defisit dalam rangka kuasi (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) Elimination of deficit in connection with
reorganisasi quasi-reorganisation
Pelaksanaan opsi saham 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Stock options exercised
Dampak penerapan PSAK No. 70 atas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Impact of PSAK No. 70 adoption on tax
aset pengampunan pajak amnesty assets
Transaksi ekuitas lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 Other equity transactions
Posisi ekuitas, akhir periode 3,837,985 0 17,252,901 0 0 0 1,693,735 0 67,999 0 0 0 0 ( 8,497 ) 0 0 0 0 363,624 0 ( 1,697,014 ) 21,510,733 0 9 21,510,742 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior 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
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cash

flows
31 December 2017 31 December 2016
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 9,290,324 15,526,818 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 5,366,215 ) ( 7,811,838 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan (pembayaran) 1,231,417 1,238,459 Receipts (payments) of
komisi commission
Pendapatan dari transaksi 2,322,894 924,681 Income from other
operasional lainnya operating transactions
Pembayaran gaji dan ( 2,310,382 ) ( 2,605,465 ) Payments for salaries and
tunjangan allowances
Penerimaan pengembalian ( 1,982 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 1,482,157 ) ( 1,447,251 ) Payments for other
operasional lainnya operating expenses
Penerimaan (pengeluaran) 341,748 278,206 Other cash inflows
kas lainnya dari aktivitas (outflows) from operating
operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) ( 1,740,628 ) Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) efek 3,780,743 ( 3,227,881 ) Decrease (increase) in
yang dibeli dengan janji securities purchased under
dijual kembali resale agreements
Penurunan (kenaikan) ( 1,723 ) ( 1,141 ) Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) 1,389,360 16,120,873 Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) ( 29,553 ) 2,384 Decrease (increase) in
tagihan anjak piutang factoring
Penurunan (kenaikan) Decrease (increase) in
piutang dan pembiayaan sharia financing and
syariah receivables
Penurunan (kenaikan) ( 2,513,066 ) ( 836,255 ) Decrease (increase) in
piutang murabahah murabahah receivables
Penurunan (kenaikan) 193,546 ( 39,174 ) Decrease (increase) in
piutang ijarah ijarah receivables
Penurunan (kenaikan) 181 181 Decrease (increase) in
pinjaman qardh qardh funds
Penurunan (kenaikan) ( 2,929,638 ) ( 926,002 ) Decrease (increase) in
pembiayaan musyarakah financing
musyarakah
Penurunan (kenaikan) 3,931,165 1,790,420 Decrease (increase) in
aset ijarah ijarah assets
Penurunan (kenaikan) aset ( 230,013 ) 683,677 Decrease (increase) in
 lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) ( 218,482 ) 155,125 Increase (decrease) in
liabilitas segera obligations due immediately
Kenaikan (penurunan) giro ( 6,726,395 ) 5,603,407 Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) ( 16,037,662 ) ( 20,710,511 ) Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) giro 236,054 283,312 Increase (decrease) in
wadiah simpanan nasabah customers wadiah demand
deposits
Kenaikan (penurunan) 205,799 ( 24,543 ) Increase (decrease) in
tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) 35,914 340,922 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) giro 730,017 ( 57,279 ) Increase (decrease) in
mudharabah mudharabah current
account
Kenaikan (penurunan) 2,637,619 ( 153,500 ) Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) ( 133,032 ) 225,685 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang ( 13,394,147 ) 5,333,310 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
Penerimaan dividen dari 235,709 155,159 Dividends received from
aktivitas investasi investing activities
Penerimaan dari penjualan ( 127,306 ) ( 86,219 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Penerimaan dari penjualan ( 154,194 ) ( 100,401 ) Proceeds from disposal
(perolehan) aset takberwujud (acquisition) of intangible
selain goodwill assets other than goodwill
Pencairan (penempatan) 4,415,391 ( 10,211,531 ) Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Penerimaan (pengeluaran) kas 561,997 747,569 Other cash inflows (outflows)
lainnya dari aktivitas investasi from investing activities
Jumlah arus kas bersih yang 4,931,597 ( 9,495,423 ) 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 ) Increase (decrease) in
yang diterbitkan securities issued
Penerimaan pinjaman yang 52,500 Proceeds from borrowings
diterima
Pembayaran pinjaman yang ( 17,500 ) Payments for borrowings
diterima
Pembayaran pinjaman ( 1,388,549 ) Payments of subordinated
subordinasi loans
Penerimaan dari penerbitan 1,499,677 5,499,906 Proceeds from issuance of
saham baru new stocks
Pembayaran biaya emisi ( 4,227 ) ( 4,376 ) Payments of stock issuance
 saham costs
Penerimaan setoran modal 1,500,000 Proceeds from capital
contributions
Pembayaran dividen dari (0) (0) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas ( 662,801 ) ( 799,855 ) Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
pendanaan
Jumlah arus kas bersih yang 867,649 4,135,126 Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) ( 7,594,901 ) ( 26,987 ) Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 24,155,902 24,145,117 Cash and cash equivalents cash
periode flows, beginning of the period
Efek perubahan nilai kurs pada 36,183 37,772 Effect of exchange rate changes
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, 16,597,184 24,155,902 Cash and cash equivalents cash
akhir periode flows, end of the period