Nomor Surat KMP/7/0319

Nama Emiten PT Bank Negara Indonesia (Persero) Tbk

Kode Emiten BBNI
Perihal Penyampaian Laporan Keuangan Tahunan

Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2019 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 18.113.288 JUTAAN IDR 60.0
Insurance
2 PT. BNI Pembiayaan Jakarta 1983 OPERASI 1.859.603 JUTAAN IDR 99.99
Multifinance
3 PT. BNI Sekuritas Jakarta 1995 OPERASI 1.106.011 JUTAAN IDR 75.0
Sekuritas
4 BNI Jasa Hongkong 1998 OPERASI 6.472 JUTAAN IDR 100.0
Remittance Keuangan
Ltd
5 PT Bank BNI Perbankan Jakarta 2010 OPERASI 49.980.371 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 January 20, 2020
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
31 December 2019
PT Bank Negara Indonesia
(Persero) Tbk
BBNI
AA265
Keuangan dan Syariah /
Financial and Sharia
8. Finance
81. Bank
Local Company - Indonesia
Jurisdiction
Saham dan Obligasi / Stock and
Bond
Tahunan / Annual
January 01, 2019
December 31, 2019
December 31, 2018
January 01, 2018
December 31, 2018
Rupiah / IDR
Jutaan / In Million
Diaudit / Audited
Wajar Tanpa Pengecualian /
Unqualified
Purwantono, Sungkoro & Surja
Danil Setiadi Handaja,CPA
2 Number of years served as audit signing
Purwantono, Sungkoro & Surja
Danil Setiadi Handaja,CPA
Ya / Yes
General information
Entity name
Explanation of change in name from the
end of the preceding reporting period
Entity code
Entity identification number
Entity main industry
Sector
Subsector
Controlling shareholder information
Type of entity
Type of listed securities
Type of board on which the entity is
listed
Whether the financial statements are of
an individual entity or a group of entities
Period of financial statements
submissions
Current period start date
Current period end date
Prior year end date
Prior period start date
Prior period end date
Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than
rupiah
Level of rounding used in financial
statements
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
partner
Prior year auditor
Name of prior year audit signing partner
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 2019 31 December 2018
Aset Assets
Kas 15,361,703 14,043,846 Cash
Giro pada bank indonesia 37,104,091 35,591,243 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 14,365,878 13,058,191 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 598,915 78,908 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 2,000 ) ( 3,271 ) 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 46,955,056 37,646,876 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Penempatan pada bank 821,757 1,677,584 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak berelasi related parties
Cadangan kerugian (4) ( 15 ) 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 20,166,100 25,177,573 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 7,280,770 7,184,834 Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 285,119 ) ( 318,137 ) Allowance for impairment
penurunan nilai pada losses for marketable
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji 411,442 0 Securities purchased under
dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 6,388,402 13,037,421 Bills and other receivables
lainnya pihak ketiga third parties
Wesel ekspor dan tagihan 12,961,279 11,707,785 Bills and other receivables
lainnya pihak berelasi related parties
Cadangan kerugian ( 142,078 ) ( 158,344 ) Allowance for impairment
penurunan nilai pada wesel losses for bills and other
ekspor dan tagihan lainnya receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 10,112,362 14,926,968 Acceptance receivables
ketiga third parties
Tagihan akseptasi pihak 9,005,913 5,548,051 Acceptance receivables
berelasi related parties
 Cadangan kerugian ( 559,999 ) ( 179,742 )Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 284,150 548,931 Derivative receivables third
ketiga parties
Tagihan derivatif pihak 28,116 56,317 Derivative receivables
berelasi related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 444,823,814 405,373,565 Loans third parties
pihak ketiga
Pinjaman yang diberikan 111,947,133 107,404,932 Loans related parties
pihak berelasi
Cadangan kerugian ( 16,908,871 ) ( 14,891,609 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Obligasi pemerintah 81,029,020 86,791,402 Government bonds
Biaya dibayar dimuka 2,609,259 2,337,403 Prepaid expenses
Pajak dibayar dimuka 1,049,979 1,624,418 Prepaid taxes
Aset pajak tangguhan 1,349,343 1,676,366 Deferred tax assets
Investasi pada entitas anak, Investments in subsidiaries,
ventura bersama, dan entitas joint ventures and
asosiasi associates
Investasi pada entitas 523,103 603,923 Investments in associates
asosiasi
Aset tetap 26,524,759 26,126,508 Property and equipment
Aset lainnya 11,800,935 11,900,084 Other assets
Jumlah aset 845,605,208 808,572,011 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 5,272,805 4,160,295 Obligations due
immediately
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 144,085,050 117,275,133 Current accounts
third parties
Giro pihak berelasi 58,141,774 50,831,820 Current accounts
related parties
Tabungan Savings
Tabungan pihak 191,155,056 194,859,419 Savings third parties
ketiga
Tabungan pihak 234,972 1,394,182 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka 158,208,562 152,573,776 Time deposits third
pihak ketiga parties
Deposito berjangka 30,715,211 35,237,872 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 11,584,276 13,874,495 Other banks deposits
Efek yang dijual dengan 2,183,403 21,524,329 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 173,123 280,794 Derivative payables
ketiga third parties
Liabilitas derivatif pihak 29,931 41,234 Derivative payables
berelasi related parties
Liabilitas akseptasi 5,341,440 4,416,613 Acceptance payables
Pinjaman yang diterima Borrowings
 Pinjaman yang diterima 56,601,650 51,702,949 Borrowings third parties
pihak ketiga
Pinjaman yang diterima 633,850 321,557 Borrowings related
pihak berelasi parties
Efek yang diterbitkan Securities issued
Obligasi 2,985,052 2,987,464 Bonds
Estimasi kerugian 185,019 177,519 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Beban akrual 997,259 876,347 Accrued expenses
Utang pajak 567,811 481,064 Taxes payable
Liabilitas lainnya 14,900,956 14,608,465 Other liabilities
Kewajiban imbalan pasca 4,392,277 3,512,266 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 74,974 74,965 Subordinated loans third
pihak ketiga parties
Pinjaman subordinasi 24,991 24,988 Subordinated loans
pihak berelasi related parties
Jumlah liabilitas 688,489,442 671,237,546 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro mudharabah 4,437,173 957,683 Mudharabah current
pihak ketiga account third parties
Giro berjangka 371,145 209,056 Mudharabah current
mudharabah pihak account related
berelasi parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 10,860,296 9,786,293 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Tabungan 15,603 16,574 Mudharabah saving
mudharabah pihak deposits related
berelasi parties
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 14,123,386 15,262,439 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Deposito berjangka 1,962,744 370,527 Mudharabah time
mudharabah pihak deposits related
berelasi parties
Bank Bank
Giro mudharabah 11,384 24,314 Mudharabah current
account
Tabungan mudharabah 151,422 109,717 Mudharabah saving
(ummat) deposits (ummat)
Deposito berjangka 178,665 224,073 Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Sukuk mudharabah 0 Mudharabah sukuk
Jumlah dana syirkah 32,111,818 26,960,676 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
Cadangan revaluasi 14,946,879 14,978,731 Revaluation reserves
Cadangan selisih kurs 47,199 84,886 Reserve of exchange
penjabaran differences on
translation
Cadangan perubahan ( 822,278 ) ( 3,913,839 ) 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 79,685,093 68,268,420 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 122,515,579 108,076,884 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Kepentingan 2,488,369 2,296,905 Non-controlling interests
non-pengendali
Jumlah ekuitas 125,003,948 110,373,789 Total equity
Jumlah liabilitas, dana syirkah 845,605,208 808,572,011 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 2019 31 December 2018
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 54,495,996 50,571,284 Interest income
Beban bunga ( 20,939,501 ) ( 17,684,456 ) Interest expenses
Pendapatan pengelolaan dana 4,036,377 3,567,329 Revenue from fund
oleh bank sebagai mudharib management as mudharib
Hak pihak ketiga atas bagi ( 990,498 ) ( 1,007,842 ) Third parties share on return of
hasil dana syirkah temporer temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi 6,158,192 5,997,417 Revenue from insurance
asuransi premiums
Beban asuransi Insurance expenses
Beban klaim ( 4,461,264 ) ( 4,285,560 ) Claim expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan 8,850,923 7,801,854 Provisions and
komisi dari transaksi commissions income from
lainnya selain kredit transactions other than loan
Pendapatan transaksi 971,734 520,472 Revenue from trading
perdagangan transactions
Penerimaan kembali aset 2,354,214 1,997,152 Revenue from recovery of
yang telah dihapusbukukan written-off assets
Keuntungan (kerugian) 632,762 493,590 Gains (losses) on changes
selisih kurs mata uang in foreign exchange rates
asing
Pendapatan operasional 902,765 799,531 Other operating income
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 8,838,178 ) ( 7,388,411 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Beban operasional lainnya Other operating expenses
Beban umum dan ( 16,568,061 ) ( 15,353,524 ) General and administrative
administrasi expenses
Beban penjualan ( 1,312,056 ) ( 1,290,553 ) Selling expenses
Beban sewa, ( 1,876,775 ) ( 1,832,279 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
Beban provisi dan komisi ( 540,397 ) ( 547,114 ) Other fees and
commissions expenses
Beban operasional ( 3,389,610 ) ( 2,759,491 ) Other operating expenses
lainnya
Jumlah laba operasional 19,486,623 19,599,399 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan operasional 22,074 703,115 Non-operating income
Beban bukan operasional ( 139,591 ) ( 481,799 ) 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
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
Jumlah pendapatan
komprehensif lainnya yang
akan direklasifikasi ke laba
rugi, setelah pajak
Jumlah pendapatan
komprehensif lainnya, setelah
pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat
diatribusikan
Laba (rugi) yang dapat
diatribusikan ke entitas induk
Laba (rugi) yang dapat
diatribusikan ke kepentingan
non-pengendali
Laba rugi komprehensif yang
dapat diatribusikan
Laba rugi komprehensif yang
dapat diatribusikan ke entitas
induk
Laba rugi komprehensif yang
dapat diatribusikan ke
kepentingan non-pengendali
Laba (rugi) per saham
Laba per saham dasar
diatribusikan kepada pemilik
19,369,106 19,820,715 Total profit (loss) before tax
( 3,860,523 ) ( 4,728,952 ) Tax benefit (expenses)
15,508,583 15,091,763 Total profit (loss) from continuing
operations
15,508,583 15,091,763 Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
0 2,815,509 Other comprehensive
income for gains (losses)
on revaluation of property
and equipment, after tax
( 248,137 ) 365,580 Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
( 248,137 ) 3,181,089 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
( 37,687 ) ( 8,269 ) Gains (losses) on
exchange differences on
translation, after tax
3,161,180 ( 4,028,331 ) Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
3,123,493 ( 4,036,600 ) Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
2,875,356 ( 855,511 ) Total other comprehensive
income, after tax
18,383,939 14,236,252 Total comprehensive income
Profit (loss) attributable to
15,384,476 15,015,118 Profit (loss) attributable to
parent entity
124,107 76,645 Profit (loss) attributable to
non-controlling interests
Comprehensive income
attributable to
18,192,475 14,250,362 Comprehensive income
attributable to parent entity
191,464 ( 14,110 ) Comprehensive income
attributable to non-controlling
interests
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
entitas induk of the parent entity
Laba (rugi) per saham 825 805 Basic earnings (loss) per
dasar dari operasi yang share from continuing
dilanjutkan operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 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) 15,384,476 15,384,476 124,107 15,508,583 Profit (loss)
Pendapatan komprehensif lainnya ( 37,687 ) 3,091,561 ( 245,875 ) 2,807,999 67,357 2,875,356 Other comprehensive income
Distribusi dividen kas ( 3,753,780 ) ( 3,753,780 ) ( 3,753,780 ) Distributions of cash dividends
Transaksi ekuitas lainnya ( 31,852 ) 31,852 0 0 Other equity transactions
Posisi ekuitas, akhir periode 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 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2018

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 12,283,125 93,155 22,230 2,256,999 2,778,412 57,535,093 98,592,289 2,311,015 100,903,304 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 9,054,807 14,568,468 12,283,125 93,155 22,230 2,256,999 2,778,412 57,535,093 98,592,289 2,311,015 100,903,304 Equity position, beginning of the
period
Laba (rugi) 15,015,118 15,015,118 76,645 15,091,763 Profit (loss)
Pendapatan komprehensif lainnya 2,695,606 ( 8,269 ) ( 3,936,069 ) 483,976 ( 764,756 ) ( 90,755 ) ( 855,511 ) Other comprehensive income
Distribusi dividen kas ( 4,765,767 ) ( 4,765,767 ) ( 4,765,767 ) Distributions of cash dividends
Posisi ekuitas, akhir 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, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cash

flows
31 December 2019 31 December 2018
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 56,177,837 49,573,693 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 21,064,257 ) ( 17,367,950 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan pendapatan 4,036,377 3,567,329 Revenue receipts from fund
pengelolaan dana sebagai management as mudharib
mudharib
Pembayaran bagi hasil ( 990,498 ) ( 1,007,842 ) Payments of temporary
dana syirkah temporer syirkah funds
Penerimaan premi asuransi 6,158,192 5,997,417 Receipts from insurance
premiums
Penerimaan dari ( 4,461,264 ) ( 4,285,560 ) Receipts from (payments
(pembayaran kepada) to) customers
nasabah
Pendapatan dari transaksi 13,767,574 11,540,546 Income from other
operasional lainnya operating transactions
Pembayaran beban ( 21,321,979 ) ( 18,924,886 ) Payments for other
operasional lainnya operating expenses
Penerimaan pendapatan ( 117,518 ) 221,316 Receipts from
non-operasional non-operating income
Penerimaan (pengeluaran) ( 4,082,687 ) ( 3,932,801 ) Other cash inflows
kas lainnya dari aktivitas (outflows) from operating
operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) ( 30,848,186 ) ( 941,829 ) Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) efek ( 1,372,810 ) 766,247 Decrease (increase) in
yang diperdagangkan marketable securities
Penurunan (kenaikan) efek ( 411,442 ) 679,122 Decrease (increase) in
yang dibeli dengan janji securities purchased under
dijual kembali resale agreements
Penurunan (kenaikan) 5,395,525 ( 8,946,036 ) Decrease (increase) in bills
wesel ekspor dan tagihan and other receivables
lainnya
Penurunan (kenaikan) 1,356,744 ( 2,203,996 ) Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) ( 50,013,784 ) ( 79,299,503 ) Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) aset ( 1,280,109 ) ( 2,160,685 ) Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 1,112,510 ( 707,252 ) Increase (decrease) in
liabilitas segera obligations due immediately
Kenaikan (penurunan) giro 29,256,298 25,874,297 Increase (decrease) in
 dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) 1,112,125 33,549,957 Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) ( 2,290,219 ) 2,140,288 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) 924,827 ( 90,718 ) Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) 5,151,142 2,620,714 Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) 1,194,560 ( 935,963 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang ( 12,611,042 ) ( 4,274,095 ) 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) 8,683,936 ( 10,343,596 ) Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 1,751,663 ) ( 1,740,588 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pencairan (penempatan) 6,551,381 2,472,482 Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Jumlah arus kas bersih yang 13,483,654 ( 9,611,702 ) 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 ( 20,010,573 ) 18,478,977 Increase (decrease) in
yang diterbitkan securities issued
Penerimaan pinjaman yang 5,273,245 6,795,949 Proceeds from borrowings
diterima
Obligasi subordinasi yang 99,953 Subordinated bonds issued
diterbitkan
Pembayaran dividen dari ( 3,753,780 ) ( 4,765,767 ) Dividends paid from financing
aktivitas pendanaan activities
Jumlah arus kas bersih yang ( 18,491,108 ) 20,609,112 Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) ( 17,618,496 ) 6,723,315 Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 98,922,032 91,977,278 Cash and cash equivalents cash
periode flows, beginning of the period
Efek perubahan nilai kurs pada ( 118,938 ) 221,439 Effect of exchange rate changes
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, 81,184,598 98,922,032 Cash and cash equivalents cash
akhir periode flows, end of the period