Nomor Surat 110/CSD/IR/III/2019

Nama Emiten PT Bank Tabungan Negara (Persero) Tbk

Kode Emiten BBTN
Perihal Penyampaian Laporan Keuangan Tahunan

Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2018 dengan ikhtisar sebagai berikut :

Informasi mengenai anak perusahaan Perseroan sebagai berikut :

No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1

Dokumen ini merupakan dokumen resmi PT Bank Tabungan Negara (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara

elektronik. PT Bank Tabungan Negara (Persero) Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information
Informasi umum
Nama entitas
Penjelasan perubahan nama dari akhir
periode laporan sebelumnya
Kode entitas
Nomor identifikasi entitas
Industri utama entitas
Sektor
Subsektor
Informasi pemegang saham pengendali Indonesian Government
Jenis entitas
Jenis efek yang dicatatkan
Jenis papan perdagangan tempat
entitas tercatat
Apakah merupakan laporan keuangan Entitas tunggal / Single entity
satu entitas atau suatu kelompok entitas
Periode penyampaian laporan
keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan
jika mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam
penyajian jumlah dalam laporan
keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf
pendapat untuk penekanan atas suatu
masalah atau paragraf penjelasan
lainnya, jika ada
Hasil penugasan review
Tanggal laporan audit atau hasil laporan March 29, 2019
review
Auditor tahun berjalan
Nama partner audit tahun berjalan
Lama tahun penugasan partner yang
menandatangani
Auditor tahun sebelumnya
Nama partner audit tahun sebelumnya
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII G 11
tentang tanggung jawab direksi atas
laporan keuangan
General information
31 December 2018
PT Bank Tabungan Negara Entity name
(Persero) Tbk
Explanation of change in name from the
end of the preceding reporting period
BBTN Entity code
AA541 Entity identification number
Keuangan dan Syariah / Entity main industry
Financial and Sharia
8. Finance Sector
81. Bank Subsector
Controlling shareholder information
Local Company - Indonesia Type of entity
Jurisdiction
Saham dan Obligasi / Stock and Type of listed securities
Bond
Utama / Main Type of board on which the entity is
listed
Whether the financial statements are of
an individual entity or a group of entities
Tahunan / Annual Period of financial statements
submissions
January 01, 2018 Current period start date
December 31, 2018 Current period end date
December 31, 2017 Prior year end date
January 01, 2017 Prior period start date
December 31, 2017 Prior period end date
Rupiah / IDR Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than
rupiah
Jutaan / In Million Level of rounding used in financial
statements
Diaudit / Audited Type of report on financial statements
Wajar Tanpa Pengecualian / Type of auditor's opinion
Unqualified
Matters disclosed in emphasis-of-matter
or other-matter paragraph, if any
Result of review engagement
Date of auditor's opinion or result of
review report
Purwantono, Sungkoro & Surja Current year auditor
Purwantono,Sungkoro,& Surja Name of current year audit signing
partner
Number of years served as audit
signing partner
Purwantono, Sungkoro dan Surja Prior year auditor
Purwantono, Sungkoro & Surja Name of prior year audit signing partner
Ya / Yes Whether in compliance with BAPEPAM
LK VIII G 11 rules concerning
responsibilities of board of directors on
financial statements
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM
peraturan BAPEPAM LK VIII A dua LK VIII A two rules concerning
tentang independensi akuntan yang independence of accountant providing
memberikan jasa audit di pasar modal audit services in capital market
[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry

Laporan posisi Statement of financial

keuangan position
31 December 2018 31 December 2017
Aset Assets
Kas 1,243,615 1,027,554 Cash
Giro pada bank indonesia 15,417,862 12,554,585 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 718,377 295,378 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 870,392 262,619 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 1,718 ) ( 1,696 ) Allowance for impairment
penurunan nilai pada giro losses for current accounts
pada bank lain with other bank
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 26,461,116 24,691,186 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Penempatan pada bank 3,644 6,317 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak berelasi related parties
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 4,991,546 6,532,212 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 877,112 1,188,742 Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 20,173 ) ( 14,923 ) Allowance for impairment
penurunan nilai pada losses for marketable
efek-efek yang securities
diperdagangkan
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 528,148 8,081 Acceptance receivables
berelasi related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 204,110,956 176,511,761 Loans third parties
pihak ketiga
Pinjaman yang diberikan 11,605,291 4,491,022 Loans related parties
pihak berelasi
Cadangan kerugian ( 2,777,845 ) ( 2,024,561 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Piutang murabahah Murabahah receivables
Piutang murabahah pihak 15,837,622 12,033,525 Murabahah receivables
ketiga third parties
Piutang murabahah pihak 1,818 411 Murabahah receivables
berelasi related parties
Cadangan kerugian ( 31,003 ) ( 22,826 ) Allowance for impairment
penurunan nilai pada losses for murabahah
piutang murabahah receivables
 Piutang istishna Istishna receivables
Piutang istishna pihak 1,520,990 1,090,406 Istishna receivables third
ketiga parties
Piutang istishna pihak 1,654 Istishna receivables related
berelasi parties
Cadangan kerugian ( 16,083 ) ( 12,374 ) Allowance for impairment
penurunan nilai pada losses for istishna
piutang istishna receivables
Pinjaman qardh Qardh funds
Pinjaman qardh pihak 68,849 115,769 Qardh funds third parties
ketiga
Pinjaman qardh pihak 124 0 Qardh funds related parties
berelasi
Cadangan kerugian ( 2,172 ) ( 2,020 ) Allowance for impairment
penurunan nilai pada losses for qardh funds
pinjaman qardh
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah 616,198 795,318 Mudharabah financing third
pihak ketiga parties
Cadangan kerugian ( 192,381 ) ( 111,886 ) Allowance for impairment
penurunan nilai pada losses for mudharabah
pembiayaan mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah 3,994,172 3,952,369 Musyarakah financing third
pihak ketiga parties
Cadangan kerugian ( 278,648 ) ( 182,320 ) Allowance for impairment
penurunan nilai pada losses for musyarakah
pembiayaan musyarakah financing
Obligasi pemerintah 9,393,138 8,183,973 Government bonds
Biaya dibayar dimuka 1,270,875 769,454 Prepaid expenses
Pajak dibayar dimuka 409,138 413,079 Prepaid taxes
Aset pajak tangguhan 260,251 174,555 Deferred tax assets
Aset tetap 5,017,694 4,837,319 Property and equipment
Agunan yang diambil alih 77,591 77,591 Foreclosed assets
Aset lainnya 4,458,044 3,724,647 Other assets
Jumlah aset 306,436,194 261,365,267 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 2,257,308 2,785,837 Obligations due
immediately
Bagi hasil yang belum 44,622 28,037 Undistributed profit sharing
dibagikan
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 17,774,334 9,871,173 Current accounts
third parties
Giro pihak berelasi 35,898,854 40,148,653 Current accounts
related parties
Giro wadiah Wadiah demand
deposits
Giro wadiah pihak 1,314,451 956,128 Wadiah demand
ketiga deposits third parties
Giro wadiah pihak 1,467,403 1,793,198 Wadiah demand
berelasi deposits related
parties
Tabungan Savings
Tabungan pihak 37,991,758 37,672,125 Savings third parties
ketiga
Tabungan pihak 359,081 545,811 Savings related
 berelasi parties
Tabungan wadiah Wadiah savings
Tabungan wadiah 765,695 621,268 Wadiah savings third
pihak ketiga parties
Tabungan wadiah 629 1,133 Wadiah savings
pihak berelasi related parties
Deposito berjangka Time deposits
Deposito berjangka 69,989,506 33,155,848 Time deposits third
pihak ketiga parties
Deposito berjangka 45,472,777 52,326,084 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 2,992,579 5,063,433 Other banks deposits
Efek yang dijual dengan 935,000 1,385,000 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 152 Derivative payables
ketiga third parties
Liabilitas akseptasi 528,148 8,081 Acceptance payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima 7,430,342 2,997,908 Borrowings third parties
pihak ketiga
Pinjaman yang diterima 8,069,151 4,993,145 Borrowings related
pihak berelasi parties
Efek yang diterbitkan Securities issued
Obligasi 17,036,480 17,932,020 Bonds
Efek yang diterbitkan 3,608,280 2,548,439 Others securities issued
lainnya
Pendapatan ditangguhkan 331,226 396,991 Deferred income
Beban akrual 685,361 544,866 Accrued expenses
Liabilitas lainnya 5,534,043 4,902,650 Other liabilities
Kewajiban imbalan pasca 297,318 260,316 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 2,999,519 2,999,319 Subordinated loans
pihak berelasi related parties
Jumlah liabilitas 263,784,017 223,937,463 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro mudharabah 1,059,437 1,731,342 Mudharabah current
pihak ketiga account third parties
Giro berjangka 534,835 154,636 Mudharabah current
mudharabah pihak account related
berelasi parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 2,675,780 1,905,085 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Tabungan 84,289 201,157 Mudharabah saving
mudharabah pihak deposits related
berelasi parties
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 8,814,203 6,431,893 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Deposito berjangka 5,625,953 4,958,259 Mudharabah time
mudharabah pihak deposits related
 berelasi parties
Bank Bank
Giro mudharabah 315 2,334 Mudharabah current
account
Tabungan mudharabah 8,857 1,632 Mudharabah saving
(ummat) deposits (ummat)
Deposito berjangka 8,060 378,032 Mudharabah time
mudharabah deposits
Jumlah dana syirkah 18,811,729 15,764,370 Total temporary syirkah
temporer funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 5,295,000 5,295,000 Common stocks
Tambahan modal 2,054,454 2,054,454 Additional paid-in capital
disetor
Cadangan revaluasi 2,966,991 2,966,991 Revaluation reserves
Cadangan perubahan ( 107,430 ) ( 21,742 ) Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Cadangan pengukuran ( 82,886 ) ( 143,158 ) Reserve of
kembali program remeasurements of
imbalan pasti defined benefit plans
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 9,909,181 7,487,208 General and
dan wajib legal reserves
Cadangan 840,476 840,476 Specific reserves
khusus
Saldo laba yang 2,964,662 3,184,205 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 23,840,448 21,663,434 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Jumlah ekuitas 23,840,448 21,663,434 Total equity
Jumlah liabilitas, dana syirkah 306,436,194 261,365,267 Total liabilities, temporary
temporer dan ekuitas syirkah funds and equity
[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or

penghasilan loss and other
komprehensif lain comprehensive
income
31 December 2018 31 December 2017
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 20,781,512 18,446,732 Interest income
Beban bunga ( 11,768,815 ) ( 9,930,642 ) Interest expenses
Pendapatan pengelolaan dana 2,070,246 1,644,868 Revenue from fund
oleh bank sebagai mudharib management as mudharib
Hak pihak ketiga atas bagi ( 993,766 ) ( 820,018 ) Third parties share on return of
hasil dana syirkah temporer temporary syirkah funds
Pendapatan sekuritas Securities income
Keuntungan (kerugian) dari 446,139 396,420 Realised gains (losses) on
transaksi perdagangan efek trading of marketable
yang telah direalisasi securities
Keuntungan (kerugian) 42,315 6,344 Gains (losses) on changes
perubahan nilai wajar efek in fair value of marketable
securities
Pendapatan operasional Other operating income
lainnya
Penerimaan kembali aset 130,900 138,972 Revenue from recovery of
yang telah dihapusbukukan written-off assets
Keuntungan (kerugian) 0 Gains (losses) on changes
selisih kurs mata uang in foreign exchange rates
asing
Pendapatan operasional 1,452,240 1,062,394 Other operating income
lainnya
Pemulihan penyisihan Recovery of impairment loss
kerugian penurunan nilai
Pemulihan penyisihan 0 15 Recovery of impairment
kerugian penurunan nilai loss of non-financial assets
aset non-keuangan
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 1,714,331 ) ( 884,416 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Pembentukan penyisihan ( 96 ) Allowances for impairment
kerugian penurunan nilai losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan ( 4,648,790 ) ( 4,192,401 ) General and administrative
administrasi expenses
Beban sewa, ( 1,453,125 ) ( 1,314,944 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
Beban operasional ( 750,629 ) ( 661,421 ) Other operating expenses
lainnya
Jumlah laba operasional 3,593,800 3,891,903 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan operasional 16,475 253 Non-operating income
 Beban bukan operasional
Jumlah laba (rugi) sebelum pajak
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi
yang dilanjutkan
Jumlah laba (rugi)
Pendapatan komprehensif
lainnya, setelah pajak
Pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif
lainnya atas keuntungan
(kerugian) hasil revaluasi
aset tetap, setelah pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
tidak akan direklasifikasi ke
laba rugi, setelah pajak
Pendapatan komprehensif
lainnya yang akan
direklasifikasi ke laba rugi,
setelah pajak
Keuntungan (kerugian)
yang belum direalisasi atas
perubahan nilai wajar aset
keuangan yang tersedia
untuk dijual, setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
akan direklasifikasi ke laba
rugi, setelah pajak
Jumlah pendapatan
komprehensif lainnya, setelah
pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat
diatribusikan
Laba (rugi) yang dapat
diatribusikan ke entitas induk
Laba rugi komprehensif yang
dapat diatribusikan
Laba rugi komprehensif yang
dapat diatribusikan ke entitas
induk
Laba (rugi) per saham
Laba per saham dasar
diatribusikan kepada pemilik
entitas induk
Laba (rugi) per saham
dasar dari operasi yang
dilanjutkan
Laba (rugi) per saham
dilusian
Laba (rugi) per saham
dilusian dari operasi yang
( 30,601 ) Non-operating expenses
3,610,275 3,861,555 Total profit (loss) before tax
( 802,352 ) ( 834,089 ) Tax benefit (expenses)
2,807,923 3,027,466 Total profit (loss) from continuing
operations
2,807,923 3,027,466 Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
0 0 Other comprehensive
income for gains (losses)
on revaluation of property
and equipment, after tax
60,272 ( 64,612 ) Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
60,272 ( 64,612 ) 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
( 85,688 ) 93,825 Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
( 85,688 ) 93,825 Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 25,416 ) 29,213 Total other comprehensive
income, after tax
2,782,507 3,056,679 Total comprehensive income
Profit (loss) attributable to
2,807,923 3,027,466 Profit (loss) attributable to
parent entity
Comprehensive income
attributable to
2,782,507 3,056,679 Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
265 286 Basic earnings (loss) per
share from continuing
operations
Diluted earnings (loss) per
share
265 286 Diluted earnings (loss) per
share from continuing
dilanjutkan operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2018

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan pengukuran kembali ditentukan ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi wajar aset keuangan tersedia diatribusikan kepada entitas Ekuitas
program imbalan pasti penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib khusus
Reserve for changes in fair Appropriated retained
Reserve of remeasurements of Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves value of available-for-sale earnings-general and legal Equity
defined benefit plans earnings-specific reserves earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 5,295,000 2,054,454 2,966,991 ( 21,742 ) ( 143,158 ) 7,487,208 840,476 3,184,205 21,663,434 21,663,434 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi 0 0 Initial adoption of new and revised
baru dan revisi accounting standards
Perubahan kebijakan akuntansi 0 0 Voluntary changes in accounting
secara sukarela policies
Koreksi kesalahan periode lalu 0 0 Correction of prior period errors
Penyesuaian lainnya 0 0 Other adjustments
Posisi ekuitas, awal periode 5,295,000 2,054,454 2,966,991 ( 21,742 ) ( 143,158 ) 7,487,208 840,476 3,184,205 21,663,434 21,663,434 Equity position, beginning of the period
Laba (rugi) 2,807,923 2,807,923 2,807,923 Profit (loss)
Pendapatan komprehensif lainnya ( 85,688 ) 60,272 ( 25,416 ) ( 25,416 ) Other comprehensive income
Pembentukan cadangan umum 2,421,973 ( 2,421,973 ) 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 Allocation for specific reserves
Distribusi dividen kas ( 605,493 ) ( 605,493 ) ( 605,493 ) Distributions of cash dividends
Distribusi dividen saham (0) (0) Distributions of stock dividends
Posisi ekuitas, akhir periode 5,295,000 2,054,454 2,966,991 ( 107,430 ) ( 82,886 ) 9,909,181 840,476 2,964,662 23,840,448 23,840,448 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2017

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan pengukuran kembali ditentukan ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Opsi saham Cadangan revaluasi wajar aset keuangan tersedia diatribusikan kepada entitas Ekuitas
program imbalan pasti penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib khusus
Reserve for changes in fair Appropriated retained
Reserve of remeasurements of Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Stock options Revaluation reserves value of available-for-sale earnings-general and legal Equity
defined benefit plans earnings-specific reserves earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 5,295,000 2,054,454 0 2,966,991 ( 115,567 ) ( 78,546 ) 5,392,083 840,476 2,775,645 19,130,536 19,130,536 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi 0 0 Initial adoption of new and revised
baru dan revisi accounting standards
Perubahan kebijakan akuntansi 0 0 Voluntary changes in accounting
secara sukarela policies
Koreksi kesalahan periode lalu 0 0 Correction of prior period errors
Penyesuaian lainnya 0 0 Other adjustments
Posisi ekuitas, awal periode 5,295,000 2,054,454 0 2,966,991 ( 115,567 ) ( 78,546 ) 5,392,083 840,476 2,775,645 19,130,536 19,130,536 Equity position, beginning of the period
Laba (rugi) 3,027,466 3,027,466 3,027,466 Profit (loss)
Pendapatan komprehensif lainnya 93,825 ( 64,612 ) 29,213 29,213 Other comprehensive income
Pembentukan cadangan umum 2,095,125 ( 2,095,125 ) 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 Allocation for specific reserves
Distribusi dividen kas ( 523,781 ) ( 523,781 ) ( 523,781 ) Distributions of cash dividends
Distribusi dividen saham (0) (0) Distributions of stock dividends
Penerbitan saham biasa 0 0 Issuance of common stocks
Penerbitan saham preferen 0 0 Issuance of preferred stocks
Biaya emisi efek (0) (0) Stock issuance costs
Posisi ekuitas, akhir periode 5,295,000 2,054,454 2,966,991 ( 21,742 ) ( 143,158 ) 7,487,208 840,476 3,184,205 21,663,434 21,663,434 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 2018 31 December 2017
Arus kas dari aktivitas operasi Cash flows from operating
activities
Arus kas sebelum Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan bunga, hasil 20,109,652 17,960,626 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 11,630,932 ) ( 9,821,680 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan pendapatan 2,070,247 1,644,866 Revenue receipts from fund
pengelolaan dana sebagai management as mudharib
mudharib
Pembayaran bagi hasil ( 993,766 ) ( 820,018 ) Payments of temporary
dana syirkah temporer syirkah funds
Penerimaan kembali aset 151,188 160,844 Recoveries of written off
yang telah dihapusbukukan assets
Pembayaran gaji dan ( 2,875,038 ) ( 2,505,888 ) Payments for salaries and
tunjangan allowances
Penerimaan pengembalian ( 973,015 ) ( 1,453,258 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 2,288,150 ) ( 2,013,377 ) Payments for other
operasional lainnya operating expenses
Penerimaan pendapatan 16,475 ( 30,347 ) Receipts from
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) efek ( 1,609,415 ) ( 3,597,455 ) Decrease (increase) in
yang diperdagangkan marketable securities
Penurunan (kenaikan) ( 35,228,295 ) ( 31,335,351 ) Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
piutang dan pembiayaan sharia financing and
syariah receivables
Penurunan (kenaikan) ( 3,851,607 ) ( 2,985,856 ) Decrease (increase) in
piutang murabahah murabahah receivables
Penurunan (kenaikan) ( 434,075 ) ( 310,418 ) Decrease (increase) in
piutang istishna istishna receivables
Penurunan (kenaikan) 44,151 80,985 Decrease (increase) in
pinjaman qardh qardh funds
Penurunan (kenaikan) 67,230 180,588 Decrease (increase) in
pembiayaan mudharabah financing
mudharabah
Penurunan (kenaikan) ( 151,699 ) ( 839,517 ) Decrease (increase) in
pembiayaan musyarakah financing
musyarakah
Penurunan (kenaikan) aset 10,680 3,048 Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) ( 414,568 ) 773,805 Increase (decrease) in
liabilitas segera obligations due immediately
 Kenaikan (penurunan) giro 3,786,265 12,817,249 Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) 29,980,351 15,944,980 Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) giro 32,528 486,967 Increase (decrease) in
wadiah simpanan nasabah customers wadiah demand
deposits
Kenaikan (penurunan) 143,923 54,609 Increase (decrease) in
tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) ( 2,070,854 ) 1,419,543 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) giro ( 293,725 ) 948,065 Increase (decrease) in
mudharabah mudharabah current
account
Kenaikan (penurunan) 661,052 623,998 Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 2,680,032 1,983,363 Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) 650,935 929,317 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang ( 2,410,430 ) 299,688 Total net cash flows received
diperoleh dari (digunakan from (used in) operating
untuk) aktivitas operasi activities
Arus kas dari aktivitas investasi Cash flows from investing
activities
Pencairan (penempatan) 1,089,529 434,140 Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 526,743 ) ( 396,710 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pencairan (penempatan) 1,126,707 795,178 Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Jumlah arus kas bersih yang 1,689,493 832,608 Total net cash flows received
diperoleh dari (digunakan from (used in) investing
untuk) aktivitas investasi activities
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Kenaikan (penurunan) efek 1,040,000 5,828,447 Increase (decrease) in
yang diterbitkan securities issued
Penerimaan pinjaman yang 11,507,255 3,993,479 Proceeds from borrowings
diterima
Pembayaran pinjaman yang ( 3,993,458 ) ( 1,000,000 ) Payments for borrowings
diterima
Pembayaran utang obligasi ( 900,000 ) ( 201,000 ) Payments of bonds payable
Pembayaran dividen dari ( 605,493 ) ( 523,781 ) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas ( 450,000 ) Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
pendanaan
Jumlah arus kas bersih yang 6,598,304 8,097,145 Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) 5,877,367 9,229,441 Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 38,837,639 29,608,198 Cash and cash equivalents cash
periode flows, beginning of the period
Kas dan setara kas arus kas, 44,715,006 38,837,639 Cash and cash equivalents cash
akhir periode flows, end of the period