Nomor Surat KMP/7/2020

Nama Emiten PT Bank Negara Indonesia (Persero) Tbk

Kode Emiten BBNI
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit

Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2020 dengan ikhtisar sebagai berikut :

Informasi mengenai anak perusahaan Perseroan sebagai berikut :

No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT. BNI Life Asuransi Jiwa Jakarta 1997 OPERASI 17.042.814 JUTAAN IDR 60.0
Insurance
2 PT. BNI Pembiayaan Jakarta 1983 OPERASI 1.903.888 JUTAAN IDR 99.99
Multifinance
3 PT. BNI Sekuritas Jakarta 1995 OPERASI 1.713.279 JUTAAN IDR 75.0
Sekuritas
4 BNI Jasa Hongkong 1998 OPERASI 8.252 JUTAAN IDR 100.0
Remittance Keuangan
Ltd
5 PT Bank BNI Perbankan Jakarta 2010 OPERASI 51.127.969 JUTAAN IDR 99.9
Syariah

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

elektronik. PT Bank Negara Indonesia (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 grup / Group 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
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 March 2020
PT Bank Negara Indonesia Entity name
(Persero) Tbk
Explanation of change in name from the
end of the preceding reporting period
BBNI Entity code
AA265 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
Type of board on which the entity is
listed
Whether the financial statements are of
an individual entity or a group of entities
Kuartal I / First Quarter Period of financial statements
submissions
January 01, 2020 Current period start date
March 31, 2020 Current period end date
December 31, 2019 Prior year end date
January 01, 2019 Prior period start date
March 31, 2019 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
Tidak Diaudit / Unaudit Type of report on financial statements
Type of auditor's opinion
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
Current year auditor
Name of current year audit signing
partner
Number of years served as audit signing
partner
Prior year auditor
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 March 2020 31 December 2019
Aset Assets
Kas 15,352,488 15,361,703 Cash
Giro pada bank indonesia 38,445,663 37,104,091 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 24,547,615 14,365,878 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 691,170 598,915 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 9,878 ) ( 2,000 ) 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 43,756,326 46,955,056 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Penempatan pada bank 867,772 821,757 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak berelasi related parties
Cadangan kerugian ( 394 ) (4) Allowance for impairment
penurunan nilai pada losses for placements with
penempatan pada bank lain other banks
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 19,798,039 20,166,100 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 7,687,597 7,280,770 Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 275,438 ) ( 285,119 ) Allowance for impairment
penurunan nilai pada losses for marketable
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji 7,404,858 411,442 Securities purchased under
dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 6,425,253 6,388,402 Bills and other receivables
lainnya pihak ketiga third parties
Wesel ekspor dan tagihan 10,459,790 12,961,279 Bills and other receivables
lainnya pihak berelasi related parties
Cadangan kerugian ( 87,737 ) ( 142,078 ) Allowance for impairment
penurunan nilai pada wesel losses for bills and other
ekspor dan tagihan lainnya receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 9,928,519 10,112,362 Acceptance receivables
ketiga third parties
Tagihan akseptasi pihak 6,130,620 9,005,913 Acceptance receivables
berelasi related parties
 Cadangan kerugian ( 1,169,665 ) ( 559,999 )Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 1,307,419 284,150 Derivative receivables third
ketiga parties
Tagihan derivatif pihak 615,513 28,116 Derivative receivables
berelasi related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 466,652,350 444,823,814 Loans third parties
pihak ketiga
Pinjaman yang diberikan 112,952,010 111,947,133 Loans related parties
pihak berelasi
Cadangan kerugian ( 32,686,673 ) ( 16,908,871 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Obligasi pemerintah 78,790,640 81,029,020 Government bonds
Biaya dibayar dimuka 2,815,802 2,609,259 Prepaid expenses
Pajak dibayar dimuka 1,045,771 1,049,979 Prepaid taxes
Aset pajak tangguhan 4,001,886 1,349,343 Deferred tax assets
Investasi pada entitas anak, Investments in subsidiaries,
ventura bersama, dan entitas joint ventures and
asosiasi associates
Investasi pada entitas 564,253 523,103 Investments in associates
asosiasi
Aset tetap 27,859,642 26,524,759 Property and equipment
Aset lainnya 14,577,007 11,800,935 Other assets
Jumlah aset 868,448,218 845,605,208 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 6,627,379 5,272,805 Obligations due
immediately
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 151,411,771 144,085,050 Current accounts
third parties
Giro pihak berelasi 56,891,930 58,141,774 Current accounts
related parties
Tabungan Savings
Tabungan pihak 187,299,894 191,155,056 Savings third parties
ketiga
Tabungan pihak 313,988 234,972 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka 172,858,174 158,208,562 Time deposits third
pihak ketiga parties
Deposito berjangka 34,363,712 30,715,211 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 14,181,994 11,584,276 Other banks deposits
Efek yang dijual dengan 2,498,126 2,183,403 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 1,939,968 173,123 Derivative payables
ketiga third parties
Liabilitas derivatif pihak 720,985 29,931 Derivative payables
berelasi related parties
Liabilitas akseptasi 5,890,875 5,341,440 Acceptance payables
Pinjaman yang diterima Borrowings
 Pinjaman yang diterima 64,359,383 56,601,650 Borrowings third parties
pihak ketiga
Pinjaman yang diterima 622,864 633,850 Borrowings related
pihak berelasi parties
Efek yang diterbitkan Securities issued
Obligasi 2,985,482 2,985,052 Bonds
Estimasi kerugian 958,079 185,019 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Beban akrual 915,613 997,259 Accrued expenses
Utang pajak 1,256,168 567,811 Taxes payable
Liabilitas lainnya 16,283,625 14,900,956 Other liabilities
Kewajiban imbalan pasca 3,339,024 4,392,277 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 74,975 74,974 Subordinated loans third
pihak ketiga parties
Pinjaman subordinasi 24,992 24,991 Subordinated loans
pihak berelasi related parties
Jumlah liabilitas 725,819,001 688,489,442 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro mudharabah 1,782,306 4,437,173 Mudharabah current
pihak ketiga account third parties
Giro berjangka 4,250,851 371,145 Mudharabah current
mudharabah pihak account related
berelasi parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 10,893,362 10,860,296 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Tabungan 20,145 15,603 Mudharabah saving
mudharabah pihak deposits related
berelasi parties
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 14,289,840 14,123,386 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Deposito berjangka 1,375,655 1,962,744 Mudharabah time
mudharabah pihak deposits related
berelasi parties
Bank Bank
Giro mudharabah 13,522 11,384 Mudharabah current
account
Tabungan mudharabah 108,091 151,422 Mudharabah saving
(ummat) deposits (ummat)
Deposito berjangka 54,648 178,665 Mudharabah time
mudharabah deposits
Jumlah dana syirkah 32,788,420 32,111,818 Total temporary syirkah
temporer funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 9,054,807 9,054,807 Common stocks
Tambahan modal 14,568,468 14,568,468 Additional paid-in capital
 disetor
Saham tresuri ( 79,449 ) Treasury stocks
Cadangan revaluasi 14,712,926 14,946,879 Revaluation reserves
Cadangan selisih kurs 87,242 47,199 Reserve of exchange
penjabaran differences on
translation
Cadangan perubahan ( 3,179,216 ) ( 822,278 ) Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Cadangan lainnya 2,256,999 2,256,999 Other reserves
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 2,778,412 2,778,412 General and
dan wajib legal reserves
Saldo laba yang 67,275,065 79,685,093 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 107,475,254 122,515,579 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Kepentingan 2,365,543 2,488,369 Non-controlling interests
non-pengendali
Jumlah ekuitas 109,840,797 125,003,948 Total equity
Jumlah liabilitas, dana syirkah 868,448,218 845,605,208 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 March 2020 31 March 2019
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 14,744,883 14,199,670 Interest income
Beban bunga ( 5,205,560 ) ( 5,340,909 ) Interest expenses
Pendapatan asuransi Insurance income
Pendapatan dari premi 1,801,679 2,075,850 Revenue from insurance
asuransi premiums
Beban asuransi Insurance expenses
Beban klaim ( 570,642 ) ( 1,605,538 ) Claim expenses
Pendapatan sekuritas Securities income
Keuntungan (kerugian) dari 273,581 179,735 Realised gains (losses) on
transaksi perdagangan efek trading of marketable
yang telah direalisasi securities
Keuntungan (kerugian) ( 984,276 ) 13,455 Gains (losses) on changes
perubahan nilai wajar efek in fair value of marketable
securities
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan 2,060,166 2,073,311 Provisions and
komisi dari transaksi commissions income from
lainnya selain kredit transactions other than loan
Penerimaan kembali aset 355,100 467,212 Revenue from recovery of
yang telah dihapusbukukan written-off assets
Keuntungan (kerugian) 534,053 126,687 Gains (losses) on changes
selisih kurs mata uang in foreign exchange rates
asing
Pendapatan operasional 207,496 198,940 Other operating income
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 2,270,768 ) ( 1,728,000 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan ( 3,925,802 ) ( 3,957,006 ) General and administrative
administrasi expenses
Beban penjualan ( 236,991 ) ( 227,589 ) Selling expenses
Beban sewa, ( 402,576 ) ( 438,078 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
Beban provisi dan komisi ( 137,644 ) ( 130,188 ) Other fees and
commissions expenses
Beban operasional ( 887,483 ) ( 742,526 ) Other operating expenses
lainnya
Jumlah laba operasional 5,355,216 5,165,026 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan operasional 10,052 Non-operating income
Beban bukan operasional ( 30,081 ) ( 32,902 ) Non-operating expenses
Jumlah laba (rugi) sebelum pajak
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi
yang dilanjutkan
Jumlah laba (rugi)
Pendapatan komprehensif
lainnya, setelah pajak
Pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif
lainnya atas keuntungan
(kerugian) hasil revaluasi
aset tetap, setelah pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, setelah pajak
Penyesuaian lainnya atas
pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
tidak akan direklasifikasi ke
laba rugi, setelah pajak
Pendapatan komprehensif
lainnya yang akan
direklasifikasi ke laba rugi,
setelah pajak
Keuntungan (kerugian)
selisih kurs penjabaran,
setelah pajak
Keuntungan (kerugian)
yang belum direalisasi atas
perubahan nilai wajar aset
keuangan yang tersedia
untuk dijual, 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
5,335,187 5,132,124 Total profit (loss) before tax
( 1,115,263 ) ( 1,013,987 ) Tax benefit (expenses)
4,219,924 4,118,137 Total profit (loss) from continuing
operations
4,219,924 4,118,137 Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
0 Other comprehensive
income for gains (losses)
on revaluation of property
and equipment, after tax
216,244 166,300 Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
( 43,249 ) ( 33,260 ) Other adjustments to other
comprehensive income that
will not be reclassified to
profit or loss, after tax
172,995 133,040 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
40,043 ( 216,615 ) Gains (losses) on
exchange differences on
translation, after tax
( 3,055,793 ) 1,792,073 Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
611,159 ( 358,414 ) Other adjustments to other
comprehensive income that
may be reclassified to profit
or loss, after tax
( 2,404,591 ) 1,217,044 Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 2,231,596 ) 1,350,084 Total other comprehensive
income, after tax
1,988,328 5,468,221 Total comprehensive income
Profit (loss) attributable to
4,252,654 4,075,580 Profit (loss) attributable to
parent entity
( 32,730 ) 42,557 Profit (loss) attributable to
non-controlling interests
Comprehensive income
dapat diatribusikan
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
attributable to
2,111,154 5,385,002 Comprehensive income
attributable to parent entity
( 122,826 ) 83,219 Comprehensive income
attributable to non-controlling
interests
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
228 219 Basic earnings (loss) per
share from continuing
operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 March 2020

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan selisih kurs ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Saham tresuri Cadangan revaluasi wajar aset keuangan tersedia Cadangan lainnya diatribusikan kepada entitas Kepentingan non-pengendali Ekuitas
penjabaran penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib
Reserve for changes in fair Appropriated retained
Reserve of exchange Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Treasury stocks Revaluation reserves value of available-for-sale Other reserves earnings-general and legal Non-controlling interests Equity
differences on translation earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 9,054,807 14,568,468 14,946,879 47,199 ( 822,278 ) 2,256,999 2,778,412 79,685,093 122,515,579 2,488,369 125,003,948 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi ( 13,225,911 ) ( 13,225,911 ) ( 13,225,911 ) Initial adoption of new and revised
baru dan revisi accounting standards
Posisi ekuitas, awal periode 9,054,807 14,568,468 14,946,879 47,199 ( 822,278 ) 2,256,999 2,778,412 66,459,182 109,289,668 2,488,369 111,778,037 Equity position, beginning of the period
Laba (rugi) 4,252,654 4,252,654 ( 32,730 ) 4,219,924 Profit (loss)
Pendapatan komprehensif lainnya 40,043 ( 2,356,938 ) 175,395 ( 2,141,500 ) ( 90,096 ) ( 2,231,596 ) Other comprehensive income
Distribusi dividen kas ( 3,846,119 ) ( 3,846,119 ) ( 3,846,119 ) Distributions of cash dividends
Kenaikan (penurunan) ekuitas melalui ( 79,449 ) ( 79,449 ) ( 79,449 ) Increase (decrease) in equity through
transaksi saham tresuri treasury stock transactions
Transaksi ekuitas lainnya ( 233,953 ) 233,953 Other equity transactions
Posisi ekuitas, akhir periode 9,054,807 14,568,468 ( 79,449 ) 14,712,926 87,242 ( 3,179,216 ) 2,256,999 2,778,412 67,275,065 107,475,254 2,365,543 109,840,797 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 March 2019

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan selisih kurs ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi wajar aset keuangan tersedia Cadangan lainnya diatribusikan kepada entitas Kepentingan non-pengendali Ekuitas
penjabaran penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib
Reserve for changes in fair Appropriated retained
Reserve of exchange Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves value of available-for-sale Other reserves earnings-general and legal Non-controlling interests Equity
differences on translation earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 9,054,807 14,568,468 14,978,731 84,886 ( 3,913,839 ) 2,256,999 2,778,412 68,268,420 108,076,884 2,296,905 110,373,789 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 9,054,807 14,568,468 14,978,731 84,886 ( 3,913,839 ) 2,256,999 2,778,412 68,268,420 108,076,884 2,296,905 110,373,789 Equity position, beginning of the
period
Laba (rugi) 4,075,580 4,075,580 42,557 4,118,137 Profit (loss)
Pendapatan komprehensif lainnya ( 216,614 ) 1,392,987 133,049 1,309,422 40,662 1,350,084 Other comprehensive income
Posisi ekuitas, akhir periode 9,054,807 14,568,468 14,978,731 ( 131,728 ) ( 2,520,852 ) 2,256,999 2,778,412 72,477,049 113,461,886 2,380,124 115,842,010 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 March 2020 31 March 2019
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 14,549,128 14,795,518 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 5,240,908 ) ( 5,507,869 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan premi asuransi 1,801,679 2,075,850 Receipts from insurance
premiums
Penerimaan dari ( 570,642 ) ( 1,605,538 ) Receipts from (payments
(pembayaran kepada) to) customers
nasabah
Pendapatan dari transaksi 3,622,426 2,829,730 Income from other
operasional lainnya operating transactions
Penerimaan pengembalian ( 767,870 ) ( 911,333 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 3,655,949 ) ( 5,316,665 ) Payments for other
operasional lainnya operating expenses
Penerimaan pendapatan ( 20,030 ) ( 32,904 ) Receipts from
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) 20,385,866 362,171 Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) efek 578,066 ( 1,287,688 ) Decrease (increase) in
yang diperdagangkan marketable securities
Penurunan (kenaikan) efek ( 6,993,416 ) 0 Decrease (increase) in
yang dibeli dengan janji securities purchased under
dijual kembali resale agreements
Penurunan (kenaikan) 2,464,638 1,619,435 Decrease (increase) in bills
wesel ekspor dan tagihan and other receivables
lainnya
Penurunan (kenaikan) 3,059,136 1,676,761 Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) ( 24,801,247 ) ( 10,235,704 ) Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) aset ( 2,782,652 ) ( 2,601,931 ) Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 1,354,574 2,251,062 Increase (decrease) in
liabilitas segera obligations due immediately
Kenaikan (penurunan) giro 2,300,731 ( 29,584,711 ) Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) 18,298,113 24,024,272 Increase (decrease) in
deposito berjangka customers time deposits
nasabah
 Kenaikan (penurunan) 2,597,718 3,216,494 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) 549,435 233,729 Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) 676,602 2,451,284 Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) 1,374,770 707,714 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang 28,780,168 ( 840,323 ) 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) ( 366,196 ) 1,149,362 Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 2,519,760 ) ( 212,498 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pencairan (penempatan) ( 1,125,387 ) ( 1,614,915 ) Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Jumlah arus kas bersih yang ( 4,011,343 ) ( 678,051 ) 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
Penerimaan pinjaman yang 7,761,747 123,560 Proceeds from borrowings
diterima
Pembayaran dividen dari ( 3,846,119 ) (0) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas 12,273 ( 16,174,105 ) Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
pendanaan
Jumlah arus kas bersih yang 3,927,901 ( 16,050,545 ) Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) 28,696,726 ( 17,568,919 ) Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 81,184,598 98,922,032 Cash and cash equivalents cash
periode flows, beginning of the period
Efek perubahan nilai kurs pada 142,775 337,510 Effect of exchange rate changes
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, 110,024,099 81,690,623 Cash and cash equivalents cash
akhir periode flows, end of the period