[1000000] General information

Informasi umum General information

31 December 2019
Nama entitas PT Bank Tabungan Negar 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 BBTN Entity code
Nomor identifikasi entitas AA541 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
Apakah merupakan laporan keuangan satu Entitas tunggal / Whether the financial statements are of an
entitas atau suatu kelompok entitas Single entity individual entity or a group of entities
Periode penyampaian laporan keuangan Period of financial statements submissions
Tahunan / Annual
Tanggal awal periode berjalan 2019-01-01 Current period start date
Tanggal akhir periode berjalan 2019-12-31 Current period end date
Tanggal akhir tahun sebelumnya 2018-12-31 Prior year end date
Tanggal awal periode sebelumnya 2018-01-01 Prior period start date
Tanggal akhir periode sebelumnya 2018-12-31 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 February 15, 2020 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
Sungkoro dan Surja
Nama partner audit tahun sebelumnya Purwantono, Name of prior year audit signing partner
Sungkoro & 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 2019 31 December 2018
Aset Assets
Kas 1,369,167 1,243,615 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada bank indonesia 15,512,329 15,417,862 Current accounts with bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 391,877 718,377 Current accounts with other banks
third parties
Giro pada bank lain pihak berelasi 357,624 870,392 Current accounts with other banks
related parties
Cadangan kerugian penurunan nilai (1,632) (1,718) 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 10,996,115 26,461,116 Placements with bank Indonesia
dan bank lain pihak ketiga and other banks third parties
Penempatan pada bank indonesia 101,078 3,644 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 5,985,588 4,991,546 Marketable securities third parties
pihak ketiga
Efek-efek yang diperdagangkan 2,126,461 877,112 Marketable securities related
pihak berelasi parties
Cadangan kerugian penurunan nilai (27,378) (20,173) 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 1,875,221 Securities purchased under agreement
kembali to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya Bills and other receivables third
pihak ketiga parties
Wesel ekspor dan tagihan lainnya 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
Acceptance receivables third
487,052 528,148 parties
Acceptance receivables related
parties
Allowance for impairment losses for
acceptance receivables
Derivative receivables
167 Derivative receivables third parties
Derivative receivables related
parties
Loans
214,807,263 204,651,014 Loans third parties
17,405,276 11,605,291 Loans related parties
(5,425,908) (2,777,845) 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
17,430,815 15,837,622 Murabahah receivables third parties
1,684 1,818 Murabahah receivables related
parties
(45,406) (31,003) Allowance for impairment losses for
murabahah receivables
Istishna receivables
2,026,725 1,520,990 Istishna receivables third parties
1,557 1,654 Istishna receivables related parties
(21,386) (16,083) 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
30,764 68,849 Qardh funds third parties
175 124 Qardh funds related parties
(9,157) (2,172) Allowance for impairment losses for
qardh funds
Mudharabah financing
 Pembiayaan mudharabah pihak
ketiga
Pembiayaan mudharabah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan mudharabah
Pembiayaan musyarakah
Pembiayaan musyarakah pihak
ketiga
Pembiayaan musyarakah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan musyarakah
Investasi sewa
Investasi sewa pihak ketiga
Investasi sewa pihak berelasi
Investasi sewa nilai residu yang
terjamin
Investasi sewa pendapatan
pembiayaan tangguhan
Investasi sewa simpanan jaminan
Cadangan kerugian penurunan nilai
pada investasi sewa
Tagihan anjak piutang
Tagihan anjak piutang pihak ketiga
Tagihan anjak piutang pihak
berelasi
Tagihan anjak piutang pada
pendapatan anjak piutang
tangguhan
Cadangan kerugian penurunan nilai
pada tagihan anjak piutang
Piutang lainnya
Piutang lainnya pihak ketiga
Piutang lainnya pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang lainnya
Aset keuangan lainnya
Obligasi pemerintah
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
dijual
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
didistribusikan kepada pemilik
Uang muka
Biaya dibayar dimuka
Jaminan
Pajak dibayar dimuka
Klaim atas pengembalian pajak
Aset pajak tangguhan
Investasi yang dicatat dengan
menggunakan metode ekuitas
Investasi pada entitas anak, ventura
bersama, dan entitas asosiasi
418,624 616,198 Mudharabah financing third parties
Mudharabah financing related
parties
(171,868) (192,381) Allowance for impairment losses for
mudharabah financing
Musyarakah financing
3,702,276 3,994,172 Musyarakah financing third parties
Musyarakah financing related
parties
(442,441) (278,648) Allowance for impairment losses for
musyarakah financing
Lease investments
Lease investments third parties
Lease investments related parties
Lease investments guaranteed
residual value
Lease investments deferred
financing income
Lease investments guarantee
deposits
Allowance for impairment losses for
lease investments
Factoring receivables
Factoring receivables third parties
Factoring receivables related
parties
Factoring receivables on deferred
factoring income
Allowance for impairment losses for
factoring receivables
Other receivables
Other receivables third parties
Other receivables related parties
Allowance for impairment losses for
other receivables
Other financial assets
11,053,601 9,393,138 Government bonds
Non-current assets or disposal groups
classified as held-for-sale
Non-current assets or disposal groups
classified as held-for-distribution to
owners
Advances
803,479 730,817 Prepaid expenses
Guarantees
402,428 409,138 Prepaid taxes
Claims for tax refund
629,105 260,251 Deferred tax assets
Investments accounted for using equity
method
Investments in subsidiaries, joint
ventures and associates
 Investasi pada entitas anak Investments in subsidiaries
Investasi pada entitas ventura Investments in joint ventures
bersama
Investasi pada entitas asosiasi 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 Ijarah assets
Aset tetap 5,400,658 5,017,694 Property and equipment
Agunan yang diambil alih 77,591 77,591 Foreclosed assets
Aset pengampunan pajak Tax amnesty assets
Aset lainnya 4,527,471 4,457,877 Other assets
Jumlah aset 311,776,828 306,436,194 Total assets
Liabilitas, dana syirkah temporer dan Liabilities, temporary syirkah funds and
ekuitas equity
Liabilitas Liabilities
Liabilitas segera 1,963,711 2,257,308 Obligations due immediately
Bagi hasil yang belum dibagikan 35,472 44,622 Undistributed profit sharing
Dana simpanan syariah Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 9,583,560 17,774,334 Current accounts third
Giro pihak berelasi 38,524,556 35,898,854 parties
Current accounts related
Giro wadiah parties
Wadiah demand deposits
Giro wadiah pihak ketiga 917,455 1,314,451 Wadiah demand deposits
third parties
Giro wadiah pihak berelasi 1,675,555 1,467,403 Wadiah demand deposits
related parties
Tabungan Savings
Tabungan pihak ketiga 41,212,905 37,991,758 Savings third parties
Tabungan pihak berelasi 272,004 359,081 Savings related parties
Tabungan wadiah Wadiah savings
Tabungan wadiah pihak 789,042 765,695 Wadiah savings third parties
ketiga
Tabungan wadiah pihak 847 629 Wadiah savings related
berelasi
Deposito berjangka parties
Time deposits
Deposito berjangka pihak 61,281,176 69,989,506 Time deposits third parties
ketiga
Deposito berjangka pihak 52,648,592 45,472,777 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 4,509,238 2,992,579 parties
Other banks deposits
Efek yang dijual dengan janji untuk 935,000 935,000 Securities sold with repurchase
dibeli kembali agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 152 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 487,052 528,148 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 8,681,368 7,430,342 Borrowings third parties
ketiga
Pinjaman yang diterima pihak 13,784,289 8,069,151 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 19,783,552 17,036,480 Bonds
Sukuk ijarah Ijarah sukuk
Surat utang jangka menengah Mid-term loans
Efek yang diterbitkan lainnya 3,608,280 Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi Provisions
Pendapatan ditangguhkan 283,326 331,226 Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan Estimated losses on commitments
kontinjensi and contingencies
Beban akrual 805,238 685,361 Accrued expenses
Utang pajak Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 4,873,666 5,534,043 Other liabilities
Kewajiban imbalan pasca kerja 404,409 297,318 post-employment benefit
Pinjaman subordinasi obligations
Subordinated loans
Pinjaman subordinasi pihak Subordinated loans third parties
ketiga
Pinjaman subordinasi pihak 5,999,669 2,999,519 Subordinated loans related
berelasi parties
Jumlah liabilitas 269,451,682 263,784,017 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak 826,682 1,059,570 Mudharabah current
ketiga account third parties
Giro berjangka mudharabah 588,030 534,702 Mudharabah current
pihak berelasi account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah 3,226,349 2,675,780 Mudharabah saving
pihak ketiga deposits third parties
Tabungan mudharabah 136,577 84,289 Mudharabah saving
pihak berelasi deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
 Deposito berjangka 11,661,400 8,814,203 Mudharabah time deposits
mudharabah pihak ketiga third parties
Deposito berjangka 2,038,501 5,625,953 Mudharabah time deposits
mudharabah pihak berelasi related parties
Bank Bank
Giro mudharabah 243 315 Mudharabah current account
Tabungan mudharabah (ummat) 3,299 8,857 Mudharabah saving deposits
(ummat)
Deposito berjangka mudharabah 7,870 8,060 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 18,488,951 18,811,729 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 5,295,000 5,295,000 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 2,054,454 2,054,454 Additional paid-in capital
Saham tresuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Cadangan revaluasi 3,307,991 2,966,991 Revaluation reserves
Cadangan selisih kurs Reserve of exchange differences
penjabaran on translation
Cadangan perubahan nilai wajar 11,460 (107,430) 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 (194,707) (82,886) Reserve of remeasurements of
program imbalan pasti defined benefit plans
Cadangan lainnya Other reserves
Komponen ekuitas lainnya Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah Appropriated retained
ditentukan penggunaanya earnings
Cadangan umum dan 12,155,518 9,909,181 General and legal
wajib
Cadangan khusus 840,476 840,476 reserves
Specific reserves
Saldo laba yang belum 366,003 2,964,662 Unappropriated retained
ditentukan penggunaannya earnings
Jumlah ekuitas yang 23,836,195 23,840,448 Total equity attributable to equity
diatribusikan kepada pemilik owners of parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan non-pengendali Non-controlling interests
Jumlah ekuitas 23,836,195 23,840,448 Total equity
Jumlah liabilitas, dana syirkah temporer 311,776,828 306,436,194 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 2019 31 December 2018

Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 23,271,432 20,781,512 Interest income
Beban bunga (15,340,643) (11,768,816) Interest expenses
Pendapatan pengelolaan dana oleh 2,448,442 2,070,246 Revenue from fund management as
bank sebagai mudharib mudharib
Hak pihak ketiga atas bagi hasil dana (1,417,430) (993,765) Third parties share on return of
syirkah temporer temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi 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 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
622,892 446,139 Realised gains (losses) on trading
of marketable securities
22,639 42,315 Gains (losses) on changes in fair
value of marketable securities
Other operating income
Investments income
Provisions and commissions
income from transactions other than
loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from
derivative instruments
113,399 130,900 Revenue from recovery of written-
off assets
Gains (losses) on changes in
foreign exchange rates
Gains (losses) on disposal of
property and equipment
Gains (losses) on disposal of
foreclosed assets
1,350,922 1,452,240 Other operating income
Recovery of impairment loss
Recovery of impairment loss of
financial assets
86 Recovery of impairment loss of
financial assets finance lease
Recovery of impairment loss of
financial assets consumer financing
receivables
Recovery of impairment loss of
non-financial assets
Recovery of impairment loss of
non-financial assets repossessed
collaterals
Recovery of estimated loss of
commitments and contingency
Allowances for impairment losses
 Pembentukan penyisihan kerugian (3,486,751) (1,714,331) Allowances for impairment losses
penurunan nilai aset produktif on earnings assets
Pembentukan penyisihan kerugian (96) Allowances for impairment losses
penurunan nilai aset non-produktif on non-earnings assets
Pembalikan (beban) estimasi kerugian Reversal (expense) of estimated losses
komitmen dan kontijensi on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi (4,657,899) (4,648,790) General and administrative
Beban penjualan Selling expenses
expenses
Beban sewa, pemeliharaan, dan (1,631,078) (1,453,125) Rent, maintenance and
perbaikan improvement expenses
Beban provisi dan komisi Other fees and commissions
expenses
Beban operasional lainnya (774,238) (750,629) Other operating expenses
Jumlah laba operasional 521,773 3,593,800 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense

Pendapatan bukan operasional 127 16,475 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
(110,838) 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
411,062 3,610,275 Total profit (loss) before tax
(201,799) (802,352) Tax benefit (expenses)
209,263 2,807,923 Total profit (loss) from continuing
operations
Profit (loss) from discontinued operations
209,263 2,807,923 Total profit (loss)
Other comprehensive income, after tax
Other comprehensive income that will
not be reclassified to profit or loss, after
tax
341,000 Other comprehensive income for
gains (losses) on revaluation of
property and equipment, after tax
(111,821) 60,272 Other comprehensive income for
remeasurement of defined benefit
obligation, after tax
Other adjustments to other
comprehensive income that will not
be reclassified to profit or loss, after
tax
229,179 60,272 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
Gains (losses) on exchange
differences on translation, after tax
Reclassification adjustments on
exchange differences on
translation, after tax
118,890 (85,688) 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
Other adjustments to other
comprehensive income that may be
reclassified to profit or loss, after
tax
118,890 (85,688) Total other comprehensive income
that may be reclassified to profit or
loss, after tax
348,069 (25,416) Total other comprehensive income, after
tax
557,332 2,782,507 Total comprehensive income
Profit (loss) attributable to
209,263 2,807,923 Profit (loss) attributable to parent entity
Profit (loss) attributable to non-
controlling interests
Comprehensive income attributable to
557,332 2,782,507 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
Comprehensive income attributable to
non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to
equity owners of the parent entity
20.00 265.00 Basic earnings (loss) per share
from continuing operations
Basic earnings (loss) per share
from discontinued operations
Diluted earnings (loss) per share
20.00 265.00 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 2019

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 5,295,000 2,054,454
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 5,295,000 2,054,454

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat
dikonversi
Kenaikan (penurunan) ekuitas
melalui transaksi saham tresuri

Kenaikan (penurunan) ekuitas

melalui transaksi pembayaran
berbasis saham
Pelaksanaan instrumen yang
dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas
melalui transaksi dengan pemilik
ekuitas
Setoran modal dari kepentingan
non-pengendali
Perubahan kepentingan non-
pengendali atas akuisisi entitas
anak
Perubahan kepentingan non-
pengendali atas pendirian entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan
operasi yang dihentikan
Perubahan kepentingan non-
pengendali atas pelepasan
sebagian kepemilikan pada entitas
anak yang tidak mengakibatkan
hilangnya pengendalian

Perubahan kepentingan non-

pengendali atas transaksi lainnya
dengan kepentingan non-
pengendali
Eliminasi defisit dalam rangka
kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan PSAK No. 70
atas aset pengampunan pajak
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 5,295,000 2,054,454
nt Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

2,966,991

2,966,991

341,000
3,307,991

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
(107,430)
(107,430)
118,890
11,460
 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

(82,886)

(82,886)

(111,821)
(194,707)

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

9,909,181

9,909,181

2,246,337
12,155,518
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

840,476 2,964,662 23,840,448

840,476 2,964,662 23,840,448

209,263 209,263
348,069
(2,246,337)

(561,585) (561,585)
840,476 366,003 23,836,195
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
23,840,448 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
23,840,448 Equity position, beginning of the
period
209,263 Profit (loss)
348,069 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(561,585) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible
instruments
Increase (decrease) in equity
through treasury stock
transactions
Increase (decrease) in equity
through share-based payment
transactions
Exercise of convertible
instruments
Exercise of warrants
Increase (decrease) in equity
through transactions with owner's
equity
Stock subscription from non-
controlling interests
Changes in non-controlling
interests due to acquisition of
subsidiaries
 Changes in non-controlling
interests due to establishment of
subsidiaries
Changes in non-controlling
interests due to disposal of
subsidiaries
Changes in non-controlling
interests due to disposal of a
discontinued operation
Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without
loss of control

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

Elimination of deficit in connection

with quasi-reorganisation
Stock options exercised
Impact of PSAK No. 70 adoption
on tax amnesty assets
Other equity transactions
23,836,195 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2018

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 5,295,000 2,054,454
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 5,295,000 2,054,454

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat
dikonversi
Kenaikan (penurunan) ekuitas
melalui transaksi saham tresuri

Kenaikan (penurunan) ekuitas

melalui transaksi pembayaran
berbasis saham
Pelaksanaan instrumen yang
dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas
melalui transaksi dengan pemilik
ekuitas
Setoran modal dari kepentingan
non-pengendali
Perubahan kepentingan non-
pengendali atas akuisisi entitas
anak
Perubahan kepentingan non-
pengendali atas pendirian entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan
operasi yang dihentikan
Perubahan kepentingan non-
pengendali atas pelepasan
sebagian kepemilikan pada entitas
anak yang tidak mengakibatkan
hilangnya pengendalian

Perubahan kepentingan non-

pengendali atas transaksi lainnya
dengan kepentingan non-
pengendali
Eliminasi defisit dalam rangka
kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan PSAK No. 70
atas aset pengampunan pajak
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 5,295,000 2,054,454
Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

2,966,991

2,966,991
2,966,991

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
(21,742)
(21,742)
(85,688)
(107,430)
 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

(143,158)

(143,158)

60,272
(82,886)

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

7,487,208

7,487,208

2,421,973
9,909,181
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

840,476 3,184,205 21,663,434

840,476 3,184,205 21,663,434

2,807,923 2,807,923
(25,416)
(2,421,973)

(605,493) (605,493)
840,476 2,964,662 23,840,448
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
21,663,434 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
21,663,434 Equity position, beginning of the
period
Profit (loss)
(25,416) Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(605,493) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible
instruments
Increase (decrease) in equity
through treasury stock
transactions
Increase (decrease) in equity
through share-based payment
transactions
Exercise of convertible
instruments
Exercise of warrants
Increase (decrease) in equity
through transactions with owner's
equity
Stock subscription from non-
controlling interests
Changes in non-controlling
interests due to acquisition of
subsidiaries
 Changes in non-controlling
interests due to establishment of
subsidiaries
Changes in non-controlling
interests due to disposal of
subsidiaries
Changes in non-controlling
interests due to disposal of a
discontinued operation
Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without
loss of control

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

Elimination of deficit in connection

with quasi-reorganisation
Stock options exercised
Impact of PSAK No. 70 adoption
on tax amnesty assets
Other equity transactions
23,840,448 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
31 December 2019
Arus kas dari aktivitas operasi
Arus kas sebelum perubahan dalam
aset dan liabilitas operasi
Penerimaan bunga, hasil investasi,
provisi, dan komisi
Pembayaran bunga dan bonus,
provisi dan komisi
Bunga bank dan deposito
berjangka
Penerimaan pendapatan
pengelolaan dana sebagai
mudharib
Pembayaran bagi hasil dana
syirkah temporer
Penerimaan premi asuransi
Penerimaan klaim reasuransi
Penerimaan (pembayaran) komisi
Penerimaan klaim retrosesi
Penerimaan dari ujrah
Penerimaan dari (pembayaran
kepada) lembaga kliring dan
penjaminan
Penerimaan dari (pembayaran
kepada) nasabah
Pencairan (penempatan) deposito
pada lembaga kliring dan
penjaminan
Pendapatan dari transaksi
operasional lainnya
Penerimaan kembali aset yang
telah dihapusbukukan
Pembayaran biaya akuisisi
ditangguhkan
Pembayaran atas beban keuangan
dan beban administrasi bank
Pembayaran gaji dan tunjangan
Laba (rugi) selisih kurs
Penerimaan pengembalian
(pembayaran) pajak penghasilan
Pembayaran beban operasional
lainnya
Penerimaan pendapatan non-
operasional
Pengembalian (penempatan) uang
jaminan
Penerimaan (pengeluaran) kas
lainnya dari aktivitas operasi
Penurunan (kenaikan) aset operasi
Penurunan (kenaikan) penempatan
pada bank lain dan bank indonesia
Penurunan (kenaikan) efek yang
diperdagangkan
Statement of cash flows
31 December 2018
Cash flows from operating activities
Cash flows before changes in operating
assets and liabilities
23,005,460 20,109,652 Interest, investment income, fees
and commissions received
(15,228,615) (11,630,932) Payments Of Interest And Bonus
Fees And Commissions
Interest from banks and time
deposits
2,448,442 2,070,247 Revenue receipts from fund
management as mudharib
(1,417,431) (993,766) Payments of temporary syirkah
funds
Receipts from insurance premiums
Receipts from reinsurance claims
Receipts (payments) of commission
Receipts from retrocession claims
Receipts of ujrah
(467,791) Receipts from (payments to)
clearing and guarantee institution
Receipts from (payments to)
customers
Withdrawal (placement) of deposits
to clearing and guarantee institution
Income from other operating
transactions
153,997 151,188 Recoveries of written off assets
Payments for deferred acquisition
costs
Payments of finance costs and
bank administration charges
(2,978,518) (2,875,038) Payments for salaries and
allowances
Foreign currency gains (losses)
(583,317) (973,015) Refunds (payments) of income tax
(1,398,798) (2,288,150) Payments for other operating
expenses
(110,712) 16,475 Receipts from non-operating
income
Repayment (placement) of
refundable deposits
Other cash inflows (outflows) from
operating activities
Decrease (increase) in operating assets
(351,800) Decrease (increase) in placements
with other banks and bank
3,999,892 indonesia
(1,609,415) Decrease (increase) in marketable
securities
 Penurunan (kenaikan) efek yang
dibeli dengan janji dijual kembali
Penurunan (kenaikan) investasi
pemegang polis pada kontrak unit-
linked
Penurunan (kenaikan) wesel ekspor
dan tagihan lainnya
Penurunan (kenaikan) tagihan
akseptasi
Penurunan (kenaikan) pinjaman (16,400,671)
yang diberikan
Penurunan (kenaikan) piutang
pembiayaan konsumen
Penurunan (kenaikan) investasi
sewa
Penurunan (kenaikan) tagihan
anjak piutang
Penurunan (kenaikan) piutang dan
pembiayaan syariah
Penurunan (kenaikan) piutang (1,606,712)
murabahah
Penurunan (kenaikan) piutang
istishna
Penurunan (kenaikan) piutang
ijarah
Penurunan (kenaikan) pinjaman
qardh
Penurunan (kenaikan)
pembiayaan mudharabah
Penurunan (kenaikan)
pembiayaan musyarakah
Penurunan (kenaikan) aset ijarah
Penurunan (kenaikan) piutang
lainnya
Penurunan (kenaikan) agunan yang
diambil alih
Penurunan (kenaikan) tagihan
derivatif
Penurunan (kenaikan) aset
reasuransi
Penurunan (kenaikan) aset lainnya
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas
segera
Kenaikan (penurunan) giro dan (2,431,002)
tabungan simpanan nasabah
Kenaikan (penurunan) deposito (1,532,515)
berjangka nasabah
Kenaikan (penurunan) giro wadiah
simpanan nasabah
Kenaikan (penurunan) tabungan
wadiah simpanan nasabah
Kenaikan (penurunan) deposito
wakalah simpanan nasabah
Decrease (increase) in securities
purchased under resale
Decrease (increase) inagreements
investment
of policyholder in unit-linked
contracts
Decrease (increase) in bills and
other receivables
Decrease (increase) in acceptance
receivables
(35,228,295) Decrease (increase) in loans
Decrease (increase) in consumer
financing receivables
Decrease (increase) in lease
investments
Decrease (increase) in factoring
Decrease (increase) in sharia
financing and receivables
(3,851,607) Decrease (increase) in
murabahah receivables
(506,636) (434,075) Decrease (increase) in istishna
receivables
Decrease (increase) in ijarah
receivables
26,831 44,151 Decrease (increase) in qardh
funds
106,392 67,230 Decrease (increase) in
mudharabah financing
151,259 (151,699) Decrease (increase) in
musyarakah financing
Decrease (increase) in ijarah
assets
Decrease (increase) in other
receivables
Decrease (increase) in foreclosed
assets
Decrease (increase) in derivative
receivables
Decrease (increase) in reinsurance
assets
300,336 10,680 Decrease (increase) in other assets
Increase (decrease) in operating
liabilities
(301,002) (414,568) Increase (decrease) in obligations
due immediately
3,786,265 Increase (decrease) in current
accounts and customers savings
29,980,351 Increase (decrease) in customers
time deposits
(188,844) 32,528 Increase (decrease) in customers
wadiah demand deposits
23,565 143,923 Increase (decrease) in customers
wadiah saving deposits
Increase (decrease) in customers
wakalah deposits
 Kenaikan (penurunan) simpanan
dari bank lain
Kenaikan (penurunan) giro
mudharabah
Kenaikan (penurunan) tabungan
mudharabah
Kenaikan (penurunan) efek yang
dijual dengan janji dibeli kembali
Kenaikan (penurunan) liabilitas
akseptasi
Kenaikan (penurunan) liabilitas
pemegang polis pada kontrak unit-
linked
Kenaikan (penurunan) liabilitas
derivatif
Kenaikan (penurunan) dana syirkah
temporer
Kenaikan (penurunan) liabilitas
lainnya
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham
dalam klasifikasi dimiliki hingga jatuh
tempo dan tersedia untuk dijual
Pencairan (penempatan) obligasi dan
(atau) sukuk
Penerimaan dividen dari aktivitas
investasi
Penerimaan dari penjualan (perolehan)
properti investasi
Penerimaan dari penjualan (perolehan)
aset tetap
Penerimaan dari penjualan (perolehan)
aset takberwujud selain goodwill
Penerimaan dari (pembayaran kepada)
pinjaman polis
Pembayaran untuk perolehan entitas
anak
Penerimaan dari pelepasan entitas anak
Pembayaran untuk perolehan tambahan
kepemilikan pada entitas anak
Pencairan (penempatan) efek-efek yang
diperdagangkan
Penerimaan dari pelepasan kepentingan
di entitas anak tanpa hilangnya
pengendalian dari kegiatan investasi
Pembayaran untuk perolehan
kepemilikan pada entitas asosiasi
Penerimaan dari pelepasan kepemilikan
pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya
dari aktivitas investasi
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas investasi
Arus kas dari aktivitas pendanaan
1,516,659 (2,070,854) Increase (decrease) in other banks
saving deposits
(179,632) (293,725) Increase (decrease) in mudharabah
current account
597,299 661,052 Increase (decrease) in mudharabah
savings deposits
Increase (decrease) in securities
sold under repurchase agreement
Increase (decrease) in acceptance
payables
Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative
payables
(740,445) 2,680,032 Increase (decrease) in temporary
syirkah funds
(734,052) 650,935 Increase (decrease) in other
liabilities
(14,828,361) (2,410,430) Total net cash flows received from (used
in) operating activities
Cash flows from investing activities
Proceeds from equity investments
classified as held-to-maturity and
available-for-sale
(3,033,893) 1,089,529 Withdrawal (placement) of bonds and
(or) sukuk
Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(366,561) (526,743) 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
(3,676,652) 1,126,707 Withdrawal (placement) of marketable
securities
Proceeds from sales of interests in
subsidiaries without loss of control from
investing activities
Payments for acquisition of interests in
associates
Proceeds from sales of interests in
associates
Other cash inflows (outflows) from
investing activities
(7,077,106) 1,689,493 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
4,144,000 1,040,000 Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
11,001,654 11,507,255 Proceeds from borrowings
(4,020,720) (3,993,458) Payments for borrowings
2,999,950 Proceeds from subordinated loans
Payments of subordinated loans
Payments of interests from borrowings
Proceeds from bonds issuance
(5,122,930) (900,000) Payments of bonds payable
Payments of bonds issuance costs
Subordinated bonds issued
Payments of subordinated bonds
Subordinated bonds issuance costs
Proceeds from issuance of new stocks
Payments of stock issuance costs
Proceeds from capital contributions
Sales (purchase) of treasury stocks
Proceeds from employee stock options
program
Settlement (placement) of derivative
transactions
(561,585) (605,493) Dividends paid from financing activities
(450,000) Other cash inflows (outflows) from
financing activities
8,440,369 6,598,304 Total net cash flows received from (used
in) financing activities
(13,465,098) 5,877,367 Total net increase (decrease) in cash and
cash equivalents
44,715,006 38,837,639 Cash and cash equivalents cash flows,
beginning of the period
Effect of exchange rate changes on cash
and cash equivalents
Other increase (decrease) in cash and
cash equivalents
31,249,908 44,715,006 Cash and cash equivalents cash flows, end
of the period