[1000000] General information

Informasi umum General information

31 December 2017
Nama entitas PT Bank Rakyat Indonesi 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 BBRI Entity code
Nomor identifikasi entitas AA426 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Sektor 8. Finance Sector
Subsektor 81. Bank Subsector
Informasi pemegang saham pengendali Indonesian Controlling shareholder information
Government
Jenis entitas Local Company - Type of entity
Indonesia
Jenis efek yang dicatatkan Saham dan Obligasi / S 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 2017-01-01 Current period start date
Tanggal akhir periode berjalan 2017-12-31 Current period end date
Tanggal akhir tahun sebelumnya 2016-12-31 Prior year end date
Tanggal awal periode sebelumnya 2016-01-01 Prior period start date
Tanggal akhir periode sebelumnya 2016-12-31 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 Pengecuali 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 December 31, 2017 Date of auditor's opinion or result of review
review report
Auditor tahun berjalan Purwantono, Current year auditor
Sungkoro & Surja
Nama partner audit tahun berjalan Purwantono, Name of current year audit signing partner
Sungkoro & Surja
Lama tahun penugasan partner yang Number of years served as audit signing
menandatangani partner
Auditor tahun sebelumnya Purwantono, Prior year auditor
Suherman & Surja
Nama partner audit tahun sebelumnya Purwantono, Name of prior year audit signing partner
Suherman & Surja
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM LK
peraturan BAPEPAM LK VIII G 11 tentang VIII G 11 rules concerning responsibilities
tanggung jawab direksi atas laporan of board of directors on financial
keuangan statements
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM LK
peraturan BAPEPAM LK VIII A dua VIII A two rules concerning independence
tentang independensi akuntan yang of accountant providing audit services in
memberikan jasa audit di pasar modal capital market
[4220000] Statement of financial position presented using order of liquidity - Financial and Sh
Industry

Laporan posisi keuangan Statement of financial

position
31 December 2017 31 December 2016
Aset Assets
Kas 24,797,782 25,212,024 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada bank indonesia 58,155,479 55,635,946 Current accounts with bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 5,904,440 10,999,867 Current accounts with other banks
third parties
Giro pada bank lain pihak berelasi 21,244 22,848 Current accounts with other banks
related parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada giro pada bank lain current accounts with other bank
Penempatan pada bank indonesia dan Placements with bank Indonesia and
bank lain other banks
Penempatan pada bank indonesia 54,773,187 77,683,134 Placements with bank Indonesia
dan bank lain pihak ketiga and other banks third parties
Penempatan pada bank indonesia 332,500 459,620 Placements with bank Indonesia
dan bank lain pihak berelasi and other banks related parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada penempatan pada bank lain placements with other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak ketiga Insurance receivables third parties
Piutang asuransi pihak berelasi Insurance receivables related
Cadangan kerugian penurunan nilai parties
Allowance for impairment losses for
pada piutang asuransi insurance receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga kliring dan Deposits to clearing and settlement
penjaminan guarantee institution
Efek-efek yang diperdagangkan Marketable securities
Efek-efek yang diperdagangkan 52,814,996 31,002,375 Marketable securities third parties
pihak ketiga
Efek-efek yang diperdagangkan 134,104,440 101,061,727 Marketable securities related
pihak berelasi parties
Cadangan kerugian penurunan nilai (758) (758) Allowance for impairment losses for
pada efek-efek yang marketable securities
diperdagangkan
Investasi pemegang polis pada kontrak Investments of policyholder in unit-linked
unit-linked contracts
Efek yang dibeli dengan janji dijual 18,011,026 1,557,370 Securities purchased under agreement
kembali to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya 5,613,022 9,104,760 Bills and other receivables third
pihak ketiga parties
Wesel ekspor dan tagihan lainnya 10,695 240,712 Bills and other receivables related
pihak berelasi parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada wesel ekspor dan tagihan bills and other receivables
lainnya
Tagihan akseptasi Acceptance receivables
 Tagihan akseptasi pihak ketiga
Tagihan akseptasi pihak berelasi
Cadangan kerugian penurunan nilai
pada tagihan akseptasi
Tagihan derivatif
Tagihan derivatif pihak ketiga
Tagihan derivatif pihak berelasi
Pinjaman yang diberikan
Pinjaman yang diberikan pihak
ketiga
Pinjaman yang diberikan pihak
berelasi
Cadangan kerugian penurunan nilai
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
pihak ketiga
Piutang pembiayaan konsumen
pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang pembiayaan
konsumen
Pinjaman qardh
Pinjaman qardh pihak ketiga
Pinjaman qardh pihak berelasi
Cadangan kerugian penurunan nilai
pada pinjaman qardh
Pembiayaan mudharabah
4,380,188 5,197,938 Acceptance receivables third
1,313,237 494,645 parties
Acceptance receivables related
parties
Allowance for impairment losses for
acceptance receivables
Derivative receivables
145,928 91,657 Derivative receivables third parties
Derivative receivables related
parties
Loans
623,661,197 549,758,360 Loans third parties
95,321,471 93,712,615 Loans related parties
(29,423,380) (22,184,296) 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
10,758,085 10,697,271 Murabahah receivables third parties
128,880 84,972 Murabahah receivables related
parties
(428,559) (281,710) Allowance for impairment losses for
murabahah receivables
Istishna receivables
4,421 5,900 Istishna receivables third parties
Istishna receivables related parties
(112) (140) 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
534,227 291,504 Qardh funds third parties
4,017 3,884 Qardh funds related parties
(11,597) (2,269) Allowance for impairment losses for
qardh funds
Mudharabah financing
 Pembiayaan mudharabah pihak 832,087 1,250,211 Mudharabah financing third parties
ketiga
Pembiayaan mudharabah pihak 25,932 35,371 Mudharabah financing related
berelasi parties
Cadangan kerugian penurunan nilai (15,010) (14,097) Allowance for impairment losses for
pada pembiayaan mudharabah mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak 4,739,770 4,997,220 Musyarakah financing third parties
ketiga
Pembiayaan musyarakah pihak 837,450 382,610 Musyarakah financing related
berelasi parties
Cadangan kerugian penurunan nilai (121,979) (193,940) Allowance for impairment losses for
pada pembiayaan musyarakah musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga Lease investments third parties
Investasi sewa pihak berelasi Lease investments related parties
Investasi sewa nilai residu yang Lease investments guaranteed
terjamin residual value
Investasi sewa pendapatan Lease investments deferred
pembiayaan tangguhan financing income
Investasi sewa simpanan jaminan Lease investments guarantee
deposits
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada investasi sewa lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga Factoring receivables third parties
Tagihan anjak piutang pihak Factoring receivables related
berelasi
Tagihan anjak piutang pada parties
Factoring receivables on deferred
pendapatan anjak piutang factoring income
tangguhan
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada tagihan anjak piutang factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga 2,488,983 2,200,300 Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai (103,500) (130,000) Allowance for impairment losses for
pada piutang lainnya other receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah 3,317,840 3,318,434 Government bonds
Aset tidak lancar atau kelompok lepasan Non-current assets or disposal groups
diklasifikasikan sebagai dimiliki untuk classified as held-for-sale
dijual
Aset tidak lancar atau kelompok lepasan Non-current assets or disposal groups
diklasifikasikan sebagai dimiliki untuk classified as held-for-distribution to
didistribusikan kepada pemilik owners
Uang muka Advances
Biaya dibayar dimuka Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 3,270,231 2,520,930 Deferred tax assets
Investasi yang dicatat dengan Investments accounted for using equity
menggunakan metode ekuitas method
Investasi pada entitas anak, ventura Investments in subsidiaries, joint
bersama, dan entitas asosiasi ventures and associates
 Investasi pada entitas anak 2,439 1,646 Investments in subsidiaries
Investasi pada entitas ventura Investments in joint ventures
bersama
Investasi pada entitas asosiasi 71,382 793 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill Goodwill
Aset takberwujud selain goodwill Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah 1,146,920 286,181 Ijarah assets
Aset tetap 24,746,306 24,515,059 Property and equipment
Agunan yang diambil alih Foreclosed assets
Aset pengampunan pajak Tax amnesty assets
Aset lainnya 24,083,535 13,623,752 Other assets
Jumlah aset 1,126,248,442 1,003,644,426 Total assets
Liabilitas, dana syirkah temporer dan Liabilities, temporary syirkah funds and
ekuitas equity
Liabilitas Liabilities
Liabilitas segera 6,584,201 5,410,313 Obligations due immediately
Bagi hasil yang belum dibagikan Undistributed profit sharing
Dana simpanan syariah Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 100,432,248 96,910,036 Current accounts third
Giro pihak berelasi 45,096,920 44,508,984 parties
Current accounts related
Giro wadiah parties
Wadiah demand deposits
Giro wadiah pihak ketiga 1,750,825 1,107,149 Wadiah demand deposits
third parties
Giro wadiah pihak berelasi 16,076 20,694 Wadiah demand deposits
related parties
Tabungan Savings
Tabungan pihak ketiga 343,181,564 297,998,921 Savings third parties
Tabungan pihak berelasi 239,173 111,485 Savings related parties
Tabungan wadiah Wadiah savings
Tabungan wadiah pihak 4,741,835 4,170,480 Wadiah savings third parties
ketiga
Tabungan wadiah pihak 7,817 6,281 Wadiah savings related
berelasi
Deposito berjangka parties
Time deposits
Deposito berjangka pihak 230,972,494 213,038,606 Time deposits third parties
ketiga
Deposito berjangka pihak 95,445,443 79,990,772 Time deposits related
berelasi parties
Deposito wakalah Wakalah deposits
Deposito wakalah pihak Wakalah deposits third
ketiga
Deposito wakalah pihak parties
Wakalah deposits related
berelasi
Simpanan dari bank lain 5,593,367 2,229,538 parties
Other banks deposits
Efek yang dijual dengan janji untuk 12,136,684 7,302,398 Securities sold with repurchase
dibeli kembali agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 200,858 347,217 Derivative payables third parties
Liabilitas derivatif pihak berelasi Derivative payables related
Utang asuransi Insurance parties
payables
 Liabilitas kepada pemegang polis Liabilities to policyholder in unit-
unit-linked linked contracts
Utang bunga Interest payables
Liabilitas akseptasi 5,693,425 5,692,583 Acceptance payables
Utang usaha Accounts payable
Uang muka dan angsuran Advances and installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima pihak 29,403,009 34,908,170 Borrowings third parties
ketiga
Pinjaman yang diterima pihak 100,000 Borrowings related parties
berelasi
Pinjaman yang diterima utang Borrowings payables to clearing
pada lembaga kliring dan and settlement guarantee
penjaminan
Efek yang diterbitkan institution
Securities issued
Obligasi 30,619,658 22,516,964 Bonds
Sukuk ijarah Ijarah sukuk
Surat utang jangka menengah 2,283,817 Mid-term loans
Efek yang diterbitkan lainnya Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi Provisions
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan 2,134 895 Estimated losses on commitments
kontinjensi and contingencies
Beban akrual Accrued expenses
Utang pajak 564,798 942,401 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 13,285,656 10,111,453 Other liabilities
Kewajiban imbalan pasca kerja 12,174,258 9,451,203 post-employment benefit
Pinjaman subordinasi obligations
Subordinated loans
Pinjaman subordinasi pihak 986,450 1,008,510 Subordinated loans third parties
ketiga
Pinjaman subordinasi pihak Subordinated loans related
berelasi parties
Jumlah liabilitas 939,128,893 840,168,870 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak 115,325 Mudharabah current
ketiga account third parties
Giro berjangka mudharabah 24,210 Mudharabah current
pihak berelasi account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah 1,202,451 983,121 Mudharabah saving
pihak ketiga deposits third parties
Tabungan mudharabah 68,033 Mudharabah saving
pihak berelasi deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
 Deposito berjangka 18,304,034 15,590,722 Mudharabah time deposits
mudharabah pihak ketiga third parties
Deposito berjangka 58,002 89,123 Mudharabah time deposits
mudharabah pihak berelasi related parties
Bank Bank
Giro mudharabah 0 Mudharabah current account
Tabungan mudharabah (ummat) Mudharabah saving deposits
(ummat)
Deposito berjangka mudharabah Mudharabah time deposits
Efek yang diterbitkan bank Bank securities issued
Investasi mudharabah antar bank Interbank mudharabah
Sukuk mudharabah investments
Mudharabah sukuk
Sukuk mudharabah subordinasi Subordinated mudharabah sukuk
Jumlah dana syirkah temporer 19,772,055 16,662,966 Total temporary syirkah funds
Jumlah akumulasi dana tabarru Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada Equity attributable to equity owners
pemilik entitas induk of parent entity
Saham biasa 6,167,291 6,167,291 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 2,773,858 2,773,858 Additional paid-in capital
Saham tresuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Cadangan revaluasi Revaluation reserves
Cadangan selisih kurs Reserve of exchange differences
penjabaran on translation
Cadangan perubahan nilai wajar Reserve for changes in fair value
aset keuangan tersedia untuk of available-for-sale financial
dijual
Cadangan keuntungan Reserve of gains (losses) assets
from
(kerugian) investasi pada investments in equity instruments
instrumen
Cadangan ekuitas
pembayaran berbasis Reserve of share-based
saham payments
Cadangan lindung nilai arus kas Reserve of cash flow hedges
Cadangan pengukuran kembali Reserve of remeasurements of
program imbalan pasti defined benefit plans
Cadangan lainnya Other reserves
Komponen ekuitas lainnya 13,979,971 12,170,722 Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah Appropriated retained
ditentukan penggunaanya earnings
Cadangan umum dan 3,022,685 3,022,685 General and legal
wajib
Cadangan khusus reserves
Specific reserves
Saldo laba yang belum 140,805,012 122,286,786 Unappropriated retained
ditentukan penggunaannya earnings
Jumlah ekuitas yang 166,748,817 146,421,342 Total equity attributable to equity
diatribusikan kepada pemilik owners of parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 598,677 391,248 Non-controlling interests
Jumlah ekuitas 167,347,494 146,812,590 Total equity
Jumlah liabilitas, dana syirkah temporer 1,126,248,442 1,003,644,426 Total liabilities, temporary syirkah funds
dan ekuitas and equity
l and Sharia
[4312000] Statement of profit or loss and other comprehensive income, OCI components pres
net of tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or loss

penghasilan komprehensif and other comprehensive
lain income

31 December 2017 31 December 2016

Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 100,080,250 94,787,989 Interest income
Beban bunga (28,652,214) (27,211,975) Interest expenses
Pendapatan pengelolaan dana oleh Revenue from fund management as
bank sebagai mudharib mudharib
Hak pihak ketiga atas bagi hasil dana Third parties share on return of
syirkah temporer temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi 3,788,965 2,474,579 Revenue from insurance premiums
Premi reasuransi Reinsurance premiums
Premi retrosesi Retrocession premiums
Penurunan (kenaikan) premi yang Decrease (increase) in unearned
belum merupakan pendapatan premiums
Penurunan (kenaikan) pendapatan Decrease (increase) in premium
premi disesikan kepada reasuradur income ceded to reinsurancer
Pendapatan komisi asuransi Insurance commission income
Pendapatan bersih investasi Net investment income
Penerimaan ujrah Ujrah received
Pendapatan asuransi lainnya Other insurance income
Beban asuransi Insurance expenses
Beban klaim (3,403,551) (2,410,192) Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) estimasi Increase (decrease) in estimated
liabilitas klaim claims liability
Kenaikan (penurunan) liabilitas Increase (decrease) in liability for
manfaat polis masa depan future policy benefit
Kenaikan (penurunan) provisi yang Increase (decrease) in provision for
timbul dari tes kecukupan liabilitas losses arising from liability
adequacy test
Kenaikan (penurunan) liabilitas Increase (decrease) in insurance
asuransi yang disesikan kepada liabilities ceded to reinsurers
reasuradur
Kenaikan (penurunan) liabilitas Increase (decrease) in liabilities to
pemegang polis pada kontrak unit- policyholder in unit-linked contracts
linked
Beban komisi asuransi Insurance commission expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari kontrak Acquisition costs of insurance
asuransi contracts
Beban asuransi lainnya Other insurance expenses
Pendapatan dari pembiayaan Financing income
Pendapatan dari pembiayaan Revenue from consumer financing
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
transaksi lainnya selain kredit
Pendapatan transaksi perdagangan
Pendapatan dividen
Keuntungan (kerugian) yang telah
direalisasi atas instrumen derivatif
Penerimaan kembali aset yang
telah dihapusbukukan
Keuntungan (kerugian) selisih kurs
mata uang asing
Keuntungan (kerugian) pelepasan
aset tetap
Keuntungan (kerugian) pelepasan
agunan yang diambil alih
Pendapatan operasional lainnya
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
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
784,667 447,580 Realised gains (losses) on trading
of marketable securities
50,915 31,025 Gains (losses) on changes in fair
value of marketable securities
Other operating income
Investments income
10,442,240 9,222,558 Provisions and commissions
income from transactions other than
loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from
derivative instruments
5,050,713 4,496,825 Revenue from recovery of written-
off assets
183,974 Gains (losses) on changes in
foreign exchange rates
Gains (losses) on disposal of
property and equipment
Gains (losses) on disposal of
foreclosed assets
2,578,558 3,015,124 Other operating income
Recovery of impairment loss
(16,994,115) (13,700,241) 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
(239,132) (90,757) Recovery of impairment loss of
non-financial assets
Recovery of impairment loss of
non-financial assets repossessed
collaterals
(1,239) 347 Recovery of estimated loss of
commitments and contingency
Allowances for impairment losses
 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
Beban penjualan
Beban sewa, pemeliharaan, dan
perbaikan
Beban provisi dan komisi
Beban operasional lainnya
Jumlah laba operasional
Pendapatan dan beban bukan operasional
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
(13,146,944) (11,975,745) General and administrative
Selling expenses
expenses
Rent, maintenance and
improvement expenses
Other fees and commissions
expenses
(23,717,253) (25,122,575) Other operating expenses
36,805,834 33,964,542 Total profit from operation
Non-operating income and expense

Pendapatan bukan operasional 216,323 9,228 Non-operating income

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
Laba (rugi) dari operasi yang dihentikan
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
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
37,022,157 33,973,770 Total profit (loss) before tax
(7,977,823) (7,745,779) Tax benefit (expenses)
29,044,334 26,227,991 Total profit (loss) from continuing
operations
Profit (loss) from discontinued operations
29,044,334 26,227,991 Total profit (loss)
Other comprehensive income, after tax
Other comprehensive income that will
not be reclassified to profit or loss, after
tax
14,315,527 Other comprehensive income for
gains (losses) on revaluation of
property and equipment, after tax
53,985 165,615 Other comprehensive income for
remeasurement of defined benefit
obligation, after tax
(13,496) (532,239) Other adjustments to other
comprehensive income that will not
be reclassified to profit or loss, after
tax
40,489 13,948,903 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
 Keuntungan (kerugian) selisih kurs
penjabaran, setelah pajak
Penyesuaian reklasifikasi selisih
kurs penjabaran, setelah pajak
Keuntungan (kerugian) yang belum
direalisasi atas perubahan nilai
wajar aset keuangan yang tersedia
untuk dijual, setelah pajak
Penyesuaian reklasifikasi atas aset
keuangan tersedia untuk dijual,
setelah pajak
Keuntungan (kerugian) lindung nilai
arus kas, setelah pajak
Penyesuaian reklasifikasi atas
lindung nilai arus kas, setelah pajak
Nilai tercatat dari aset (liabilitas)
non-keuangan yang perolehan atau
keterjadiannya merupakan suatu
prakiraan transaksi yang
kemungkinan besar terjadi yang
dilindung nilai, setelah pajak
Keuntungan (kerugian) lindung nilai
investasi bersih kegiatan usaha luar
negeri, setelah pajak
Penyesuaian reklasifikasi atas
lindung nilai investasi bersih
kegiatan usaha luar negeri, setelah
pajak
Bagian pendapatan komprehensif
lainnya dari entitas asosiasi yang
dicatat dengan menggunakan
metode ekuitas, 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 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) yang dapat diatribusikan ke
kepentingan non-pengendali
Laba rugi komprehensif yang dapat
diatribusikan
Laba rugi komprehensif yang dapat
diatribusikan ke entitas induk
30,709 (25,579) Gains (losses) on exchange
differences on translation, after tax
Reclassification adjustments on
exchange differences on
translation, after tax
2,289,836 1,641,313 Unrealised gains (losses) on
changes in fair value of available-
for-sale financial assets, after tax
Reclassification adjustments on
available-for-sale financial assets,
after tax
Gains (losses) on cash flow
hedges, after tax
Reclassification adjustments on
cash flow hedges, after tax
Carrying amount of non-financial
asset (liability) whose acquisition or
incurrence was hedged on highly
probable forecast transaction,
adjusted from equity, after tax
Gains (losses) on hedges of net
investments in foreign operations,
after tax
Reclassification adjustments on
hedges of net investments in
foreign operations, after tax
Share of other comprehensive
income of associates accounted for
using equity method, after tax
Share of other comprehensive
income of joint ventures accounted
for using equity method, after tax
(528,353) (412,621) Other adjustments to other
comprehensive income that may be
reclassified to profit or loss, after
tax
1,792,192 1,203,113 Total other comprehensive income
that may be reclassified to profit or
loss, after tax
1,832,681 15,152,016 Total other comprehensive income, after
tax
30,877,015 41,380,007 Total comprehensive income
Profit (loss) attributable to
28,996,535 26,195,772 Profit (loss) attributable to parent entity
47,799 32,219 Profit (loss) attributable to non-
controlling interests
Comprehensive income attributable to
30,805,784 41,340,376 Comprehensive income attributable to
parent entity
 Laba rugi komprehensif yang dapat
diatribusikan ke kepentingan non-
pengendali
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 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
71,231 39,631 Comprehensive income attributable to
non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to
equity owners of the parent entity
237.22 1,071.51 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
ents presented
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2017

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 6,167,291 2,773,858
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan
akuntansi secara sukarela
Koreksi kesalahan periode
lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 6,167,291 2,773,858

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 6,167,291 2,773,858
nt 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
 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

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

12,170,722 3,022,685

12,170,722 3,022,685

1,809,249
13,979,971 3,022,685
Saldo laba yang telah
ditentukan Saldo laba yang belum Ekuitas yang dapat
penggunaannya- ditentukan diatribusikan kepada
cadangan khusus penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

122,286,786 146,421,342

122,286,786 146,421,342

28,996,535 28,996,535
1,809,249

(10,478,309) (10,478,309)
140,805,012 166,748,817
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
391,248 146,812,590 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
errors
Other adjustments
391,248 146,812,590 Equity position, beginning of the
period
47,799 29,044,334 Profit (loss)
23,432 1,832,681 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(5,468) (10,483,777) 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
8,053 8,053 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
133,613 133,613 Other equity transactions
598,677 167,347,494 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior 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 6,167,291 2,773,858
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan
akuntansi secara sukarela
Koreksi kesalahan periode
lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 6,167,291 2,773,858

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 6,167,291 2,773,858
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
 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

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

(2,841,309) 18,115,741

(2,841,309) 18,115,741

15,144,604

(132,573)
 (15,093,056)
12,170,722 3,022,685
Saldo laba yang telah
ditentukan Saldo laba yang belum Ekuitas yang dapat
penggunaannya- ditentukan diatribusikan kepada
cadangan khusus penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

88,617,280 112,832,861

88,617,280 112,832,861

26,195,772 26,195,772
15,144,604

(7,619,322) (7,619,322)

(132,573)
 15,093,056
122,286,786 146,421,342
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
294,318 113,127,179 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
errors
Other adjustments
294,318 113,127,179 Equity position, beginning of the
period
32,219 26,227,991 Profit (loss)
7,412 15,152,016 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(1,994) (7,621,316) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible
instruments
(132,573) 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
(4,405) (4,405) 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
63,698 63,698 Other equity transactions
391,248 146,812,590 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 perubahan dalam Cash flows before changes in operating
aset dan liabilitas operasi assets and liabilities
Penerimaan bunga, hasil investasi, 100,171,404 91,595,203 Interest, investment income, fees
provisi, dan komisi and commissions received
Pembayaran bunga dan bonus, (28,319,909) (26,038,559) Payments Of Interest And Bonus
provisi dan komisi Fees And Commissions
Bunga bank dan deposito Interest from banks and time
berjangka deposits
Penerimaan pendapatan 2,819,042 2,636,677 Revenue receipts from fund
pengelolaan dana sebagai management as mudharib
mudharib
Pembayaran bagi hasil dana (1,241,591) (1,035,502) Payments of temporary syirkah
syirkah temporer funds
Penerimaan premi asuransi 3,788,965 2,474,579 Receipts from insurance premiums
Penerimaan klaim reasuransi (3,403,551) (2,410,192) Receipts from reinsurance claims
Penerimaan (pembayaran) komisi Receipts (payments) of commission
Penerimaan klaim retrosesi Receipts from retrocession claims
Penerimaan dari ujrah Receipts of ujrah
Penerimaan dari (pembayaran Receipts from (payments to)
kepada) lembaga kliring dan clearing and guarantee institution
penjaminan
Penerimaan dari (pembayaran Receipts from (payments to)
kepada) nasabah customers
Pencairan (penempatan) deposito Withdrawal (placement) of deposits
pada lembaga kliring dan to clearing and guarantee institution
penjaminan
Pendapatan dari transaksi 13,745,727 9,333,633 Income from other operating
operasional lainnya transactions
Penerimaan kembali aset yang 5,050,713 4,511,717 Recoveries of written off assets
telah dihapusbukukan
Pembayaran biaya akuisisi Payments for deferred acquisition
ditangguhkan costs
Pembayaran atas beban keuangan Payments of finance costs and
dan beban administrasi bank bank administration charges
Pembayaran gaji dan tunjangan Payments for salaries and
allowances
Laba (rugi) selisih kurs Foreign currency gains (losses)
Penerimaan pengembalian (9,037,947) (6,182,996) Refunds (payments) of income tax
(pembayaran) pajak penghasilan
Pembayaran beban operasional (32,263,843) (35,297,823) Payments for other operating
lainnya expenses
Penerimaan pendapatan non- 216,325 479 Receipts from non-operating
operasional income
Pengembalian (penempatan) uang Repayment (placement) of
jaminan refundable deposits
Penerimaan (pengeluaran) kas Other cash inflows (outflows) from
lainnya dari aktivitas operasi operating activities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan (339,187) 100,000 Decrease (increase) in placements
pada bank lain dan bank indonesia with other banks and bank
Penurunan (kenaikan) efek yang (702,255) 254,367 indonesia
Decrease (increase) in marketable
diperdagangkan securities
 Penurunan (kenaikan) efek yang (16,453,656) (712,245) Decrease (increase) in securities
dibeli dengan janji dijual kembali purchased under resale
Penurunan (kenaikan) investasi Decrease (increase) inagreements
investment
pemegang polis pada kontrak unit- of policyholder in unit-linked
linked contracts
Penurunan (kenaikan) wesel ekspor 3,721,755 (2,064,589) Decrease (increase) in bills and
dan tagihan lainnya other receivables
Penurunan (kenaikan) tagihan Decrease (increase) in acceptance
akseptasi receivables
Penurunan (kenaikan) pinjaman (85,060,312) (87,463,887) Decrease (increase) in loans
yang diberikan
Penurunan (kenaikan) piutang Decrease (increase) in consumer
pembiayaan konsumen financing receivables
Penurunan (kenaikan) investasi (305,667) (2,214,946) Decrease (increase) in lease
sewa investments
Penurunan (kenaikan) tagihan Decrease (increase) in factoring
anjak piutang
Penurunan (kenaikan) piutang dan Decrease (increase) in sharia
pembiayaan syariah financing and receivables
Penurunan (kenaikan) piutang 89,700 (551,572) Decrease (increase) in
murabahah murabahah receivables
Penurunan (kenaikan) piutang (1,731) 1,575 Decrease (increase) in istishna
istishna receivables
Penurunan (kenaikan) piutang Decrease (increase) in ijarah
ijarah receivables
Penurunan (kenaikan) pinjaman 228,990 112,553 Decrease (increase) in qardh
qardh funds
Penurunan (kenaikan) (456,670) (163,312) Decrease (increase) in
pembiayaan mudharabah mudharabah financing
Penurunan (kenaikan) (118,529) (413,514) Decrease (increase) in
pembiayaan musyarakah musyarakah financing
Penurunan (kenaikan) aset ijarah (239,922) Decrease (increase) in ijarah
assets
Penurunan (kenaikan) piutang Decrease (increase) in other
lainnya receivables
Penurunan (kenaikan) agunan yang Decrease (increase) in foreclosed
diambil alih assets
Penurunan (kenaikan) tagihan Decrease (increase) in derivative
derivatif receivables
Penurunan (kenaikan) aset Decrease (increase) in reinsurance
reasuransi assets
Penurunan (kenaikan) aset lainnya (11,728,077) (662,511) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating
liabilities
Kenaikan (penurunan) liabilitas 1,153,159 264,342 Increase (decrease) in obligations
segera due immediately
Kenaikan (penurunan) giro dan 49,420,479 58,041,218 Increase (decrease) in current
tabungan simpanan nasabah accounts and customers savings
Kenaikan (penurunan) deposito 33,388,559 25,144,974 Increase (decrease) in customers
berjangka nasabah time deposits
Kenaikan (penurunan) giro wadiah 639,058 190,098 Increase (decrease) in customers
simpanan nasabah wadiah demand deposits
Kenaikan (penurunan) tabungan 572,891 460,832 Increase (decrease) in customers
wadiah simpanan nasabah wadiah saving deposits
Kenaikan (penurunan) deposito 2,682,191 1,406,950 Increase (decrease) in customers
wakalah simpanan nasabah 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
3,363,829 (8,935,535) Increase (decrease) in other banks
saving deposits
139,535 Increase (decrease) in mudharabah
current account
287,363 286,923 Increase (decrease) in mudharabah
savings deposits
4,834,286 (4,075,560) 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
2,418,063 3,417,378 Increase (decrease) in other
liabilities
39,299,109 21,770,833 Total net cash flows received from (used
in) operating activities
Cash flows from investing activities
(28,918,362) 328,455 Proceeds from equity investments
classified as held-to-maturity and
available-for-sale
Withdrawal (placement) of bonds and
(or) sukuk
40 235 Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(2,006,347) (3,653,072) 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
(71,327) Payments for acquisition of interests in
associates
Proceeds from sales of interests in
associates
Other cash inflows (outflows) from
investing activities
(30,995,996) (3,324,382) 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
Proceeds from borrowings
(5,663,258) (647,350) Payments for borrowings
Proceeds from subordinated loans
Payments of subordinated loans
Payments of interests from borrowings
10,242,963 15,510,825 Proceeds from bonds issuance
(4,921,000) (980,000) Payments of bonds payable
Payments of bonds issuance costs
(22,060) 952,042 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
(132,573) Sales (purchase) of treasury stocks
Proceeds from employee stock options
program
Settlement (placement) of derivative
transactions
(10,483,777) (7,621,316) Dividends paid from financing activities
Other cash inflows (outflows) from
financing activities
(10,847,132) 7,081,628 Total net cash flows received from (used
in) financing activities
(2,544,019) 25,528,079 Total net increase (decrease) in cash and
cash equivalents
188,954,879 163,388,757 Cash and cash equivalents cash flows,
beginning of the period
(427) 1,279 Effect of exchange rate changes on cash
and cash equivalents
36,764 Other increase (decrease) in cash and
cash equivalents
186,410,433 188,954,879 Cash and cash equivalents cash flows, end
of the period