[1000000] General information

Informasi umum General information

31 December 2018
Nama entitas PT Bank Mandiri (Perser 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 BMRI Entity code
Nomor identifikasi entitas AA416 Entity identification number
Industri utama entitas Keuangan dan Syariah / Entity main industry
Sektor 8. Finance Sector
Subsektor 81. Bank Subsector
Informasi pemegang saham pengendali National Corporation Controlling shareholder information
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 2018-01-01 Current period start date
Tanggal akhir periode berjalan 2018-12-31 Current period end date
Tanggal akhir tahun sebelumnya 2017-12-31 Prior year end date
Tanggal awal periode sebelumnya 2017-01-01 Prior period start date
Tanggal akhir periode sebelumnya 2017-12-31 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 2019-01-28 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 Benyanto Suherman Name of current year audit signing partner

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 Danil Setiadi Name of prior year audit signing partner
Handaja, CPA
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 2018 31 December 2017
Aset Assets
Kas 27,348,914 24,268,563 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada bank indonesia 59,852,761 50,188,118 Current accounts with bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 14,827,485 12,305,856 Current accounts with other banks
third parties
Giro pada bank lain pihak berelasi 8,476 27,533 Current accounts with other banks
related parties
Cadangan kerugian penurunan nilai (5,189) (3,442) 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 21,403,656 71,498,349 Placements with bank Indonesia
dan bank lain pihak ketiga and other banks third parties
Penempatan pada bank indonesia 1,162,378 3,152,167 Placements with bank Indonesia
dan bank lain pihak berelasi and other banks related parties
Cadangan kerugian penurunan nilai (50,338) (49,713) 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 42,369,674 38,944,594 Marketable securities third parties
pihak ketiga
Efek-efek yang diperdagangkan 21,562,800 20,775,463 Marketable securities related
pihak berelasi parties
Cadangan kerugian penurunan nilai (96,574) (81,734) 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 2,097,629 2,629,315 Securities purchased under agreement
kembali to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya 15,688,973 14,921,890 Bills and other receivables third
pihak ketiga parties
Wesel ekspor dan tagihan lainnya 10,724,084 10,517,587 Bills and other receivables related
pihak berelasi parties
Cadangan kerugian penurunan nilai (1,603,598) (1,349,349) 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
11,705,705 11,495,151 Acceptance receivables third
2,183,157 1,049,343 parties
Acceptance receivables related
parties
(296,453) (254,234) Allowance for impairment losses for
acceptance receivables
Derivative receivables
1,648,725 793,468 Derivative receivables third parties
149,832 23,824 Derivative receivables related
parties
Loans
638,827,486 598,426,453 Loans third parties
160,729,702 113,611,412 Loans related parties
(31,796,093) (33,745,345) Allowance for impairment losses for
loans
Receivables from clearing and
settlement guarantee institution
Receivables from customers
Receivables from customers third
parties
Receivables from customers related
parties
Allowance for impairment losses for
receivables from customers
Murabahah receivables
Murabahah receivables third parties
Murabahah receivables related
parties
Allowance for impairment losses for
murabahah receivables
Istishna receivables
Istishna receivables third parties
Istishna receivables related parties
Allowance for impairment losses for
istishna receivables
Ijarah receivables
Ijarah receivables third parties
Ijarah receivables related parties
Allowance for impairment losses for
ijarah receivables
Consumer financing receivables
17,189,878 15,137,262 Consumer financing receivables
third parties
8,278 7,957 Consumer financing receivables
related parties
(371,291) (362,887) Allowance for impairment losses for
consumer financing receivables
Qardh funds
Qardh funds third parties
Qardh funds related parties
Allowance for impairment losses for
qardh funds
Mudharabah financing
 Pembiayaan mudharabah pihak Mudharabah financing third parties
ketiga
Pembiayaan mudharabah pihak Mudharabah financing related
berelasi parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada pembiayaan mudharabah mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak Musyarakah financing third parties
ketiga
Pembiayaan musyarakah pihak Musyarakah financing related
berelasi parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada pembiayaan musyarakah musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga 5,160,930 2,756,597 Lease investments third parties
Investasi sewa pihak berelasi (1,243,484) 0 Lease investments related parties
Investasi sewa nilai residu yang 1,631,185 796,442 Lease investments guaranteed
terjamin residual value
Investasi sewa pendapatan (589,057) (391,968) Lease investments deferred
pembiayaan tangguhan financing income
Investasi sewa simpanan jaminan (1,631,185) (796,442) Lease investments guarantee
deposits
Cadangan kerugian penurunan nilai (9,286) (7,739) 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 Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada piutang lainnya other receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah 114,284,518 103,411,188 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 2,858,186 2,784,234 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka 1,236,027 2,688,049 Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 4,997,622 5,564,319 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 Investments in subsidiaries
Investasi pada entitas ventura Investments in joint ventures
bersama
Investasi pada entitas asosiasi 421,504 333,312 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill 423,115 423,115 Goodwill
Aset takberwujud selain goodwill 2,341,611 1,978,352 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 38,442,696 36,618,753 Property and equipment
Agunan yang diambil alih 295,237 292,530 Foreclosed assets
Aset pengampunan pajak Tax amnesty assets
Aset lainnya 18,362,418 14,322,504 Other assets
Jumlah aset 1,202,252,094 1,124,700,847 Total assets
Liabilitas, dana syirkah temporer dan Liabilities, temporary syirkah funds and
ekuitas equity
Liabilitas Liabilities
Liabilitas segera 3,843,194 2,838,567 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 148,662,268 156,756,475 Current accounts third
Giro pihak berelasi 51,161,488 46,108,385 parties
Current accounts related
Giro wadiah parties
Wadiah demand deposits
Giro wadiah pihak ketiga Wadiah demand deposits
third parties
Giro wadiah pihak berelasi Wadiah demand deposits
related parties
Tabungan Savings
Tabungan pihak ketiga 303,745,320 305,163,703 Savings third parties
Tabungan pihak berelasi 3,537,033 3,548,205 Savings related parties
Tabungan wadiah Wadiah savings
Tabungan wadiah pihak Wadiah savings third parties
ketiga
Tabungan wadiah pihak Wadiah savings related
berelasi
Deposito berjangka parties
Time deposits
Deposito berjangka pihak 218,139,922 202,515,248 Time deposits third parties
ketiga
Deposito berjangka pihak 40,762,862 35,491,966 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 16,493,815 8,349,507 parties
Other banks deposits
Efek yang dijual dengan janji untuk 16,611,528 3,592,883 Securities sold with repurchase
dibeli kembali agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 1,098,551 628,383 Derivative payables third parties
Liabilitas derivatif pihak berelasi 19,126 16,582 Derivative payables related
Utang asuransi Insurance parties
payables
 Liabilitas kepada pemegang polis 22,357,802 23,254,035 Liabilities to policyholder in unit-
unit-linked linked contracts
Utang bunga Interest payables
Liabilitas akseptasi 13,888,862 12,544,494 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 51,230,296 35,703,679 Borrowings third parties
ketiga
Pinjaman yang diterima pihak 423,686 0 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 18,647,805 16,401,200 Bonds
Sukuk ijarah 375,000 375,000 Ijarah sukuk
Surat utang jangka menengah 0 0 Mid-term loans
Efek yang diterbitkan lainnya 66,118 67,395 Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi 370,525 375,770 Provisions
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan 125,729 381,771 Estimated losses on commitments
kontinjensi and contingencies
Beban akrual 4,835,467 3,938,471 Accrued expenses
Utang pajak 1,087,949 1,009,832 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 15,795,137 20,496,377 Other liabilities
Kewajiban imbalan pasca kerja 7,987,887 8,277,388 post-employment benefit
Pinjaman subordinasi obligations
Subordinated loans
Pinjaman subordinasi pihak 548,980 191,501 Subordinated loans third parties
ketiga
Pinjaman subordinasi pihak 136,750 0 Subordinated loans related
berelasi parties
Jumlah liabilitas 941,953,100 888,026,817 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak 682,242 525,285 Mudharabah current
ketiga account third parties
Giro berjangka mudharabah 0 0 Mudharabah current
pihak berelasi account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah 31,173,610 28,165,952 Mudharabah saving
pihak ketiga deposits third parties
Tabungan mudharabah 144,810 34,784 Mudharabah saving
pihak berelasi deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
 Deposito berjangka 40,772,071 36,557,273 Mudharabah time deposits
mudharabah pihak ketiga third parties
Deposito berjangka 2,132,346 939,315 Mudharabah time deposits
mudharabah pihak berelasi related parties
Bank Bank
Giro mudharabah Mudharabah current account
Tabungan mudharabah (ummat) 277,312 316,574 Mudharabah saving deposits
(ummat)
Deposito berjangka mudharabah 156,298 128,715 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 75,338,689 66,667,898 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 11,666,667 11,666,667 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 17,316,192 17,316,192 Additional paid-in capital
Saham tresuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Cadangan revaluasi 26,435,307 25,666,631 Revaluation reserves
Cadangan selisih kurs 112,171 168,412 Reserve of exchange differences
penjabaran on translation
Cadangan perubahan nilai wajar (1,638,088) 1,117,864 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 (17,030) (6,436) Reserve of cash flow hedges
Cadangan pengukuran kembali 348,613 (462,008) Reserve of remeasurements of
program imbalan pasti defined benefit plans
Cadangan lainnya Other reserves
Komponen ekuitas lainnya (106,001) (106,001) Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah Appropriated retained
ditentukan penggunaanya earnings
Cadangan umum dan 2,333,333 2,333,333 General and legal
wajib
Cadangan khusus 3,046,935 3,046,935 reserves
Specific reserves
Saldo laba yang belum 121,704,418 105,977,254 Unappropriated retained
ditentukan penggunaannya earnings
Jumlah ekuitas yang 181,202,517 166,718,843 Total equity attributable to equity
diatribusikan kepada pemilik owners of parent entity
entitas induk
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 3,757,788 3,287,289 Non-controlling interests
Jumlah ekuitas 184,960,305 170,006,132 Total equity
Jumlah liabilitas, dana syirkah temporer 1,202,252,094 1,124,700,847 Total liabilities, temporary syirkah funds
dan ekuitas and equity
l and Sharia
[4322000] Statement of profit or loss and other comprehensive income, OCI components pres
before tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or loss

penghasilan komprehensif and other comprehensive
lain income

31 December 2018 31 December 2017

Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 80,992,570 77,284,648 Interest income
Beban bunga (26,369,938) (25,296,287) 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 10,342,487 10,325,187 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 (7,635,354) (7,860,112) 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
674,087 779,993 Realised gains (losses) on trading
of marketable securities
(18,483) 46,849 Gains (losses) on changes in fair
value of marketable securities
Other operating income
Investments income
13,013,786 12,448,315 Provisions and commissions
income from transactions other than
3,657,290 loan
3,471,667 Revenue from trading transactions
Dividends income
Realised gains (losses) from
derivative instruments
5,688,682 4,417,416 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
5,312,307 2,493,009 Other operating income
Recovery of impairment loss
Recovery of impairment loss of
financial assets
Recovery of impairment loss of
financial assets finance lease
Recovery of impairment loss of
financial assets consumer financing
receivables
0 0 Recovery of impairment loss of
non-financial assets
Recovery of impairment loss of
non-financial assets repossessed
collaterals
0 0 Recovery of estimated loss of
commitments and contingency
Allowances for impairment losses
 Pembentukan penyisihan kerugian (14,394,973) (15,646,385) Allowances for impairment losses
penurunan nilai aset produktif on earnings assets
Pembentukan penyisihan kerugian (61,498) (132,050) Allowances for impairment losses
penurunan nilai aset non-produktif on non-earnings assets
Pembalikan (beban) estimasi kerugian 270,973 (173,402) Reversal (expense) of estimated losses
komitmen dan kontijensi on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi (29,293,448) (26,819,598) General and administrative
Beban penjualan Selling expenses
expenses
Beban sewa, pemeliharaan, dan (3,616,326) (3,444,623) Rent, maintenance and
perbaikan improvement expenses
Beban provisi dan komisi (666,452) (627,445) Other fees and commissions
expenses
Beban operasional lainnya (3,989,913) (4,097,431) Other operating expenses
Jumlah laba operasional 33,905,797 27,169,751 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense

Pendapatan bukan operasional 37,572 44,777 Non-operating income

Beban bukan operasional (57,665) Non-operating expenses
Bagian atas laba (rugi) entitas asosiasi Share of profit (loss) of associates
yang dicatat dengan menggunakan accounted for using equity method
metode ekuitas
Bagian atas laba (rugi) entitas ventura Share of profit (loss) of joint ventures
bersama yang dicatat menggunakan accounted for using equity method
metode ekuitas
Jumlah laba (rugi) sebelum pajak 33,943,369 27,156,863 Total profit (loss) before tax
penghasilan
Pendapatan (beban) pajak (8,091,432) (5,713,821) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang 25,851,937 21,443,042 Total profit (loss) from continuing
dilanjutkan operations
Laba (rugi) dari operasi yang dihentikan 0 0 Profit (loss) from discontinued operations
Jumlah laba (rugi) 25,851,937 21,443,042 Total profit (loss)
Pendapatan komprehensif lainnya, Other comprehensive income, before tax
sebelum pajak
Pendapatan komprehensif lainnya yang Other comprehensive income that will
tidak akan direklasifikasi ke laba rugi, not be reclassified to profit or loss,
sebelum pajak before tax
Pendapatan komprehensif lainnya 768,681 526,108 Other comprehensive income for
atas keuntungan (kerugian) hasil gains (losses) on revaluation of
revaluasi aset tetap, sebelum pajak property and equipment, before tax
Pendapatan komprehensif lainnya 1,023,174 (641,569) Other comprehensive income for
atas pengukuran kembali kewajiban remeasurement of defined benefit
manfaat pasti, sebelum pajak obligation, before tax
Penyesuaian lainnya atas Other adjustments to other
pendapatan komprehensif lainnya comprehensive income that will not
yang tidak akan direklasifikasi ke be reclassified to profit or loss,
laba rugi, sebelum pajak before tax
Jumlah pendapatan komprehensif 1,791,855 (115,461) Total other comprehensive income
lainnya yang tidak akan that will not be reclassified to profit
direklasifikasi ke laba rugi, sebelum or loss, before tax
pajak
Pendapatan komprehensif lainnya yang Other comprehensive income that may
akan direklasifikasi ke laba rugi, be reclassified to profit or loss, before
sebelum pajak tax
 Keuntungan (kerugian) selisih kurs
penjabaran, sebelum pajak
Penyesuaian reklasifikasi selisih
kurs penjabaran, sebelum pajak
Keuntungan (kerugian) yang belum
direalisasi atas perubahan nilai
wajar aset keuangan yang tersedia
untuk dijual, sebelum pajak
Penyesuaian reklasifikasi atas aset
keuangan tersedia untuk dijual,
sebelum pajak
Keuntungan (kerugian) lindung nilai
arus kas, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai arus kas, sebelum
pajak
Nilai tercatat dari aset (liabilitas)
non-keuangan yang perolehan atau
keterjadiannya merupakan suatu
prakiraan transaksi yang
kemungkinan besar terjadi yang
dilindung nilai, sebelum pajak
Keuntungan (kerugian) lindung nilai
investasi bersih kegiatan usaha luar
negeri, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai investasi bersih
kegiatan usaha luar negeri,
sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas asosiasi yang
dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas ventura
bersama yang dicatat dengan
menggunakan metode ekuitas,
sebelum pajak
Penyesuaian lainnya atas
pendapatan komprehensif lainnya
yang akan direklasifikasi ke laba
rugi, sebelum pajak
Jumlah pendapatan komprehensif
lainnya yang akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif
lainnya, sebelum pajak
Pajak atas pendapatan komprehensif
lainnya
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
(55,547) (32,750) Gains (losses) on exchange
differences on translation, before
Reclassification adjustments taxon
exchange differences on
translation, before tax
(3,585,763) 2,364,089 Unrealised gains (losses) on
changes in fair value of available-
for-sale financial assets, before tax
Reclassification adjustments on
available-for-sale financial assets,
before tax
(27,695) (16,826) Gains (losses) on cash flow
hedges, before tax
Reclassification adjustments on
cash flow hedges, before tax
Carrying amount of non-financial
asset (liability) whose acquisition or
incurrence was hedged on highly
probable forecast transaction,
adjusted from equity, before tax
Gains (losses) on hedges of net
investments in foreign operations,
before tax
Reclassification adjustments on
hedges of net investments in
foreign operations, before tax
Share of other comprehensive
income of associates accounted for
using equity method, before tax
Share of other comprehensive
income of joint ventures accounted
for using equity method, before tax
Other adjustments to other
comprehensive income that may be
reclassified to profit or loss, before
tax
(3,669,005) 2,314,513 Total other comprehensive income
that may be reclassified to profit or
loss, before tax
(1,877,150) 2,199,052 Total other comprehensive income,
before tax
560,401 (321,059) Tax on other comprehensive income
(1,316,749) 1,877,993 Total other comprehensive income, after
tax
24,535,188 23,321,035 Total comprehensive income
Profit (loss) attributable to
25,015,021 20,639,683 Profit (loss) attributable to parent entity
836,916 803,359 Profit (loss) attributable to non-
controlling interests
Comprehensive income attributable to
 Laba rugi komprehensif yang dapat
diatribusikan ke entitas induk
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
23,771,531 22,491,109 Comprehensive income attributable to
parent entity
763,657 829,926 Comprehensive income attributable to
non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to
equity owners of the parent entity
536.04 442.28 Basic earnings (loss) per share
from continuing operations
536.04 442.28 Basic earnings (loss) per share
from discontinued operations
Diluted earnings (loss) per share
536.04 442.28 Diluted earnings (loss) per share
from continuing operations
536.04 442.28 Diluted earnings (loss) per share
from discontinued operations
ents presented
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current 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 11,666,667 17,316,192
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 11,666,667 17,316,192

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 11,666,667 17,316,192
nt Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

25,666,631

25,666,631

768,676
26,435,307

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

168,412 1,117,864

168,412 1,117,864

(56,241) (2,755,952)
112,171 (1,638,088)
 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

(6,436) (462,008)

(6,436) (462,008)

(10,594) 810,621
(17,030) 348,613

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

(106,001) 2,333,333

(106,001) 2,333,333
(106,001) 2,333,333
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

3,046,935 105,977,254 166,718,843

3,046,935 105,977,254 166,718,843

25,015,021 25,015,021
(1,243,490)

(9,287,857) (9,287,857)
3,046,935 121,704,418 181,202,517
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
3,287,289 170,006,132 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
3,287,289 170,006,132 Equity position, beginning of the
period
836,916 25,851,937 Profit (loss)
(73,259) (1,316,749) Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(9,287,857) 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

(293,158) (293,158) 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
3,757,788 184,960,305 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior 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 11,666,667 17,316,192
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 11,666,667 17,316,192

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 11,666,667 17,316,192
Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

25,140,523

25,140,523

526,108
25,666,631

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

202,363 (759,364)

202,363 (759,364)

(33,951) 1,877,228
168,412 1,117,864
 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

0 49,515

0 49,515

(6,436) (511,523)
(6,436) (462,008)

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

(92,751) 2,333,333

(92,751) 2,333,333

(13,250)
(106,001) 2,333,333
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

3,046,935 91,550,525 150,453,938

3,046,935 91,550,525 150,453,938

20,639,683 20,639,683
1,851,426

(6,212,954) (6,212,954)

(13,250)
3,046,935 105,977,254 166,718,843
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
2,915,785 153,369,723 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
2,915,785 153,369,723 Equity position, beginning of the
period
803,359 21,443,042 Profit (loss)
26,567 1,877,993 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(6,212,954) 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
(13,250) 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

(458,422) (458,422) 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
3,287,289 170,006,132 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
31 December 2018
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, (82,664,636)
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 (15,801,649)
Laba (rugi) selisih kurs
Penerimaan pengembalian
(pembayaran) pajak penghasilan
Pembayaran beban operasional (19,315,458)
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 2017
Cash flows from operating activities
Cash flows before changes in operating
assets and liabilities
149,199,022 142,377,104 Interest, investment income, fees
and commissions received
(79,314,798) Payments Of Interest And Bonus
Fees And Commissions
Interest from banks and time
deposits
Revenue receipts from fund
management as mudharib
Payments of temporary syirkah
funds
Receipts from insurance premiums
Receipts from reinsurance claims
Receipts (payments) of commission
Receipts from retrocession claims
Receipts of ujrah
Receipts from (payments to)
clearing and guarantee institution
Receipts from (payments to)
customers
Withdrawal (placement) of deposits
to clearing and guarantee institution
4,307,755 2,417,018 Income from other operating
transactions
6,845,434 4,565,412 Recoveries of written off assets
Payments for deferred acquisition
costs
Payments of finance costs and
bank administration charges
(13,855,845) Payments for salaries and
allowances
6,058,853 2,390,138 Foreign currency gains (losses)
(7,200,860) (5,968,499) Refunds (payments) of income tax
(17,707,082) Payments for other operating
expenses
15,682 (57,665) Receipts from non-operating
income
Repayment (placement) of
refundable deposits
547,986 462,542 Other cash inflows (outflows) from
operating activities
Decrease (increase) in operating assets
1,743,348 (624,042) Decrease (increase) in placements
with other banks and bank
1,823,982 (1,932,792) indonesia
Decrease (increase) in marketable
securities
 Penurunan (kenaikan) efek yang
dibeli dengan janji dijual kembali
Penurunan (kenaikan) investasi
pemegang polis pada kontrak unit-
linked
Penurunan (kenaikan) wesel ekspor
dan tagihan lainnya
Penurunan (kenaikan) tagihan
akseptasi
Penurunan (kenaikan) pinjaman
yang diberikan
Penurunan (kenaikan) piutang
pembiayaan konsumen
Penurunan (kenaikan) investasi
sewa
Penurunan (kenaikan) tagihan
anjak piutang
Penurunan (kenaikan) piutang dan
pembiayaan syariah
Penurunan (kenaikan) piutang
murabahah
Penurunan (kenaikan) piutang
istishna
Penurunan (kenaikan) piutang
ijarah
Penurunan (kenaikan) pinjaman
qardh
Penurunan (kenaikan)
pembiayaan mudharabah
Penurunan (kenaikan)
pembiayaan musyarakah
Penurunan (kenaikan) aset ijarah
Penurunan (kenaikan) piutang
lainnya
Penurunan (kenaikan) agunan yang
diambil alih
Penurunan (kenaikan) tagihan
derivatif
Penurunan (kenaikan) aset
reasuransi
Penurunan (kenaikan) aset lainnya
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas
segera
Kenaikan (penurunan) giro dan
tabungan simpanan nasabah
Kenaikan (penurunan) deposito
berjangka nasabah
Kenaikan (penurunan) giro wadiah
simpanan nasabah
Kenaikan (penurunan) tabungan
wadiah simpanan nasabah
Kenaikan (penurunan) deposito
wakalah simpanan nasabah
531,686 2,425,173 Decrease (increase) in securities
purchased under resale
Decrease (increase) inagreements
investment
of policyholder in unit-linked
contracts
(973,579) (9,515,359) Decrease (increase) in bills and
other receivables
Decrease (increase) in acceptance
receivables
(102,701,408) (76,638,704) Decrease (increase) in loans
(2,834,995) (3,961,788) Decrease (increase) in consumer
financing receivables
(966,751) (1,533,591) Decrease (increase) in lease
investments
Decrease (increase) in factoring
Decrease (increase) in sharia
financing and receivables
Decrease (increase) in
murabahah receivables
Decrease (increase) in istishna
receivables
Decrease (increase) in ijarah
receivables
Decrease (increase) in qardh
funds
Decrease (increase) in
mudharabah financing
Decrease (increase) in
musyarakah financing
Decrease (increase) in ijarah
assets
Decrease (increase) in other
receivables
Decrease (increase) in foreclosed
assets
Decrease (increase) in derivative
receivables
Decrease (increase) in reinsurance
assets
(1,918,848) (2,934,064) Decrease (increase) in other assets
Increase (decrease) in operating
liabilities
1,004,627 1,268,656 Increase (decrease) in obligations
due immediately
(4,870,665) 47,361,241 Increase (decrease) in current
accounts and customers savings
29,439,884 (827,178) Increase (decrease) in customers
time deposits
Increase (decrease) in customers
wadiah demand deposits
Increase (decrease) in customers
wadiah saving deposits
Increase (decrease) in customers
wakalah deposits
 Kenaikan (penurunan) simpanan
dari bank lain
Kenaikan (penurunan) giro
mudharabah
Kenaikan (penurunan) tabungan
mudharabah
Kenaikan (penurunan) efek yang
dijual dengan janji dibeli kembali
Kenaikan (penurunan) liabilitas
akseptasi
Kenaikan (penurunan) liabilitas
pemegang polis pada kontrak unit-
linked
Kenaikan (penurunan) liabilitas
derivatif
Kenaikan (penurunan) dana syirkah
temporer
Kenaikan (penurunan) liabilitas
lainnya
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham
dalam klasifikasi dimiliki hingga jatuh
tempo dan tersedia untuk dijual
Pencairan (penempatan) obligasi dan
(atau) sukuk
Penerimaan dividen dari aktivitas
investasi
Penerimaan dari penjualan (perolehan)
properti investasi
Penerimaan dari penjualan (perolehan)
aset tetap
Penerimaan dari penjualan (perolehan)
aset takberwujud selain goodwill
Penerimaan dari (pembayaran kepada)
pinjaman polis
Pembayaran untuk perolehan entitas
anak
Penerimaan dari pelepasan entitas anak
Pembayaran untuk perolehan tambahan
kepemilikan pada entitas anak
Pencairan (penempatan) efek-efek yang
diperdagangkan
Penerimaan dari pelepasan kepentingan
di entitas anak tanpa hilangnya
pengendalian dari kegiatan investasi
Pembayaran untuk perolehan
kepemilikan pada entitas asosiasi
Penerimaan dari pelepasan kepemilikan
pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya
dari aktivitas investasi
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas investasi
Arus kas dari aktivitas pendanaan
Increase (decrease) in other banks
saving deposits
Increase (decrease) in mudharabah
current account
Increase (decrease) in mudharabah
savings deposits
12,153,318 239,841 Increase (decrease) in securities
sold under repurchase agreement
Increase (decrease) in acceptance
payables
(896,233) 3,651,085 Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative
payables
8,670,791 5,891,510 Increase (decrease) in temporary
syirkah funds
(2,006,438) 7,042,582 Increase (decrease) in other
liabilities
(19,809,152) 5,220,895 Total net cash flows received from (used
in) operating activities
Cash flows from investing activities
(5,290,469) (1,111,443) Proceeds from equity investments
classified as held-to-maturity and
available-for-sale
(12,544,614) (1,540,676) Withdrawal (placement) of bonds and
(or) sukuk
Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(2,345,058) (1,735,167) Proceeds from disposal (acquisition) of
property and equipment
(861,048) (888,925) Proceeds from disposal (acquisition) of
intangible assets other than goodwill
Receipts from (payments for) policy
loans
Payments for acquisition of subsidiaries
Proceeds from sales of subsidiaries
Payments for acquisition of additional
interests in subsidiaries
Withdrawal (placement) of marketable
securities
Proceeds from sales of interests in
subsidiaries without loss of control from
investing activities
Payments for acquisition of interests in
associates
Proceeds from sales of interests in
associates
Other cash inflows (outflows) from
investing activities
(21,041,189) (5,276,211) 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
2,170,723 7,827,253 Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
12,105,048 Proceeds from borrowings
(630,913) Payments for borrowings
484,358 Proceeds from subordinated loans
(23,931) Payments of subordinated loans
Payments of interests from borrowings
Proceeds from bonds issuance
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
(9,287,857) (6,212,954) Dividends paid from financing activities
(474,552) (497,153) Other cash inflows (outflows) from
financing activities
4,997,720 462,302 Total net cash flows received from (used
in) financing activities
(35,852,621) 406,986 Total net increase (decrease) in cash and
cash equivalents
158,775,796 157,560,107 Cash and cash equivalents cash flows,
beginning of the period
1,754,511 808,703 Effect of exchange rate changes on cash
and cash equivalents
Other increase (decrease) in cash and
cash equivalents
124,677,686 158,775,796 Cash and cash equivalents cash flows, end
of the period