Nomor Surat 024/DCS/2021

Nama Emiten PT Bank Central Asia Tbk.

Kode Emiten BBCA
Perihal Penyampaian Laporan Keuangan Tahunan

Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2020 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 Asuransi Asuransi Jiwa Jakarta 2014 Beroperasi 1.467.896 JUTAAN IDR 90.0
Jiwa BCA
2 PT Bank Perbankan Jakarta 1965 Beroperasi 2.893.909 JUTAAN IDR 100.0
Digital BCA
(dahulu PT
Bank Royal
Indonesia)
3 BCA Finance Money lending Hong Kong 1975 Beroperasi 909.996 JUTAAN IDR 100.0
Limited dan
remittance
4 PT BCA Pembiayaan Jakarta 1981 Beroperasi 8.536.082 JUTAAN IDR 100.0
Finance investasi,
modal
kerja,
pembiayaan
multiguna,
sewa
operasi, keg
pembiayaan
lain
brdsrkn
persetujuan
instansi
yg berwenang
5 PT Bank BCA perbankan Jakarta 1991 Beroperasi 9.720.254 JUTAAN IDR 100.0
Syariah syariah
6 PT BCA Perantara Jakarta 1990 Beroperasi 1.258.384 JUTAAN IDR 90.0
Sekuritas perdagangan
efek dan
penjamin
emisi efek
7 PT Asuransi Asuransi Jakarta 1988 Beroperasi 2.127.340 JUTAAN IDR 100.0
Umum BCA umum atau
kerugian
8 PT BCA Multi Pembiayaan Jakarta 2010 Beroperasi 1.069.918 JUTAAN IDR 100.0
Finance investasi,
(dahulu PT modal
Central kerja,
Santosa pembiayaan
Finance) multiguna,
sewa
operasi, keg
pembiayaan
lain
brdsrkn
persetujuan
instansi
yg berwenang
9 PT Central Modal ventura Jakarta 2017 Beroperasi 405.964 JUTAAN IDR 100.0
Capital
Ventura

Dokumen ini merupakan dokumen resmi PT Bank Central Asia Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT

Bank Central Asia 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 National Corporation
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 14,050
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 29, 2021
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
General information
31 December 2020
PT Bank Central Asia Tbk. Entity name
Explanation of change in name from the
end of the preceding reporting period
BBCA Entity code
AA331 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
Tahunan / Annual Period of financial statements
submissions
January 01, 2020 Current period start date
December 31, 2020 Current period end date
December 31, 2019 Prior year end date
January 01, 2019 Prior period start date
December 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
Diaudit / Audited Type of report on financial statements
Wajar Tanpa Pengecualian / Type of auditor's opinion
Unqualified
Matters disclosed in emphasis-of-matter
or other-matter paragraph, if any
Result of review engagement
Date of auditor's opinion or result of
review report
Tanudiredja, Wibisana, Rintis & Current year auditor
Rekan
Jimmy Pangestu, S.E. Name of current year audit signing
partner
1 Number of years served as audit signing
partner
Tanudiredja, Wibisana, Rintis & Prior year auditor
Rekan
Lucy Luciana Suhenda, S.E., Name of prior year audit signing partner
Ak., CPA
Ya / Yes Whether in compliance with BAPEPAM
LK VIII G 11 rules concerning
tentang tanggung jawab direksi atas
laporan keuangan
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII A dua
tentang independensi akuntan yang
memberikan jasa audit di pasar modal
responsibilities of board of directors on
financial statements
Ya / Yes Whether in compliance with BAPEPAM
LK VIII A two rules concerning
independence of accountant providing
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 2020 31 December 2019
Aset Assets
Kas 24,322,335 25,421,406 Cash
Giro pada bank indonesia 27,482,178 47,904,674 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 11,973,336 10,521,687 Current accounts with other
ketiga banks third parties
Cadangan kerugian ( 927 ) 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 47,455,590 30,948,274 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Cadangan kerugian ( 4,700 ) 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 1,856,202 3,974,550 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek yang dibeli dengan janji 146,819,249 9,575,565 Securities purchased under
dijual kembali agreement to resale
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 8,099,025 7,911,754 Bills and other receivables
lainnya pihak ketiga third parties
Cadangan kerugian ( 8,012 ) ( 2,734 ) Allowance for impairment
penurunan nilai pada wesel losses for bills and other
ekspor dan tagihan lainnya receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 8,553,975 9,669,377 Acceptance receivables
ketiga third parties
Cadangan kerugian ( 409,132 ) ( 176,622 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 1,080,043 1,935,596 Derivative receivables third
ketiga parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 569,325,952 582,706,461 Loans third parties
pihak ketiga
Pinjaman yang diberikan 5,263,656 4,233,122 Loans related parties
pihak berelasi
Cadangan kerugian ( 26,945,942 ) ( 14,905,584 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Piutang nasabah Receivables from customers
Piutang nasabah pihak 5,569,233 5,645,419 Receivables from
 ketiga customers third parties
Cadangan kerugian ( 161,203 ) ( 146,132 ) Allowance for impairment
penurunan nilai pada losses for receivables from
piutang nasabah customers
Piutang pembiayaan Consumer financing
konsumen receivables
Piutang pembiayaan 8,412,240 11,005,521 Consumer financing
konsumen pihak ketiga receivables third parties
Cadangan kerugian ( 806,306 ) ( 473,097 ) Allowance for impairment
penurunan nilai pada losses for consumer
piutang pembiayaan financing receivables
konsumen
Investasi sewa Lease investments
Investasi sewa pihak ketiga 101,308 152,575 Lease investments third
parties
Cadangan kerugian ( 1,009 ) ( 3,147 ) Allowance for impairment
penurunan nilai pada losses for lease
investasi sewa investments
Aset keuangan lainnya 116,441,698 121,104,488 Other financial assets
Obligasi pemerintah 76,111,403 21,878,217 Government bonds
Biaya dibayar dimuka 788,583 1,536,480 Prepaid expenses
Pajak dibayar dimuka 31,215 7,045 Prepaid taxes
Aset pajak tangguhan 4,880,722 3,184,290 Deferred tax assets
Goodwill 1,114,689 855,830 Goodwill
Aset takberwujud selain 514,931 521,622 Intangible assets other than
goodwill goodwill
Aset tetap 21,915,054 20,852,301 Property and equipment
Aset lainnya 15,794,870 13,150,374 Other assets
Jumlah aset 1,075,570,256 918,989,312 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Dana simpanan syariah 1,151,652 1,035,526 Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 227,851,026 184,074,285 Current accounts
third parties
Giro pihak berelasi 1,133,638 843,728 Current accounts
related parties
Tabungan Savings
Tabungan pihak 413,006,503 345,518,395 Savings third parties
ketiga
Tabungan pihak 154,785 115,827 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka 191,797,588 168,060,485 Time deposits third
pihak ketiga parties
Deposito berjangka 340,303 367,348 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 10,163,163 6,717,474 Other banks deposits
Efek yang dijual dengan 0 113,249 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 138,757 106,260 Derivative payables
ketiga third parties
Liabilitas akseptasi 4,400,045 5,321,249 Acceptance payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima 1,307,298 2,332,870 Borrowings third parties
pihak ketiga
 Efek yang diterbitkan Securities issued
Obligasi 590,821 1,347,523 Bonds
Surat utang jangka 0 0 Mid-term loans
menengah
Efek yang diterbitkan 500,000 500,000 Others securities issued
lainnya
Estimasi kerugian 3,537,741 12 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Utang pajak 2,272,189 1,635,469 Taxes payable
Liabilitas pajak tangguhan 5,957 Deferred tax liabilities
Liabilitas lainnya 17,540,226 14,022,357 Other liabilities
Kewajiban imbalan pasca 9,646,227 7,955,070 post-employment benefit
kerja obligations
Jumlah liabilitas 885,537,919 740,067,127 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 564,352 425,343 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 4,753,276 4,353,686 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Bank Bank
Deposito berjangka Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Investasi mudharabah 0 Interbank mudharabah
antar bank investments
Jumlah dana syirkah 5,317,628 4,779,029 Total temporary syirkah
temporer funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 1,540,938 1,540,938 Common stocks
Tambahan modal 5,548,977 5,548,977 Additional paid-in capital
disetor
Cadangan revaluasi 9,521,414 9,520,945 Revaluation reserves
Cadangan selisih kurs 373,092 364,984 Reserve of exchange
penjabaran differences on
translation
Cadangan perubahan 7,070,825 1,951,554 Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Komponen ekuitas 1,385 1,385 Other components of
lainnya equity
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 2,241,254 1,955,604 General and
dan wajib legal reserves
 Saldo laba yang 158,298,441 153,158,544 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 184,596,326 174,042,931 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Kepentingan 118,383 100,225 Non-controlling interests
non-pengendali
Jumlah ekuitas 184,714,709 174,143,156 Total equity
Jumlah liabilitas, dana syirkah 1,075,570,256 918,989,312 Total liabilities, temporary
temporer dan ekuitas syirkah funds and equity
[4322000] Statement of profit or loss and other comprehensive income, OCI
components presented before 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 2020 31 December 2019
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 65,403,161 63,837,795 Interest income
Beban bunga ( 11,241,891 ) ( 13,360,347 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan transaksi 3,551,007 571,100 Revenue from trading
perdagangan transactions
Pendapatan dividen 9,147 1,445 Dividends income
Keuntungan (kerugian) 751,766 2,885,242 Realised gains (losses)
yang telah direalisasi atas from derivative instruments
instrumen derivatif
Pendapatan operasional 16,692,857 17,688,442 Other operating income
lainnya
Pemulihan penyisihan Recovery of impairment loss
kerugian penurunan nilai
Pemulihan penyisihan 606,155 3,690,842 Recovery of impairment
kerugian penurunan nilai loss of financial assets
aset keuangan
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 12,205,631 ) ( 8,282,185 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Pembentukan penyisihan ( 28,600 ) (0) Allowances for impairment
kerugian penurunan nilai losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan ( 12,978,260 ) ( 14,115,175 ) General and administrative
administrasi expenses
Beban provisi dan komisi ( 749 ) ( 1,128 ) Other fees and
commissions expenses
Beban operasional ( 16,990,455 ) ( 16,627,033 ) Other operating expenses
lainnya
Jumlah laba operasional 33,568,507 36,288,998 Total profit from operation
Jumlah laba (rugi) sebelum pajak 33,568,507 36,288,998 Total profit (loss) before tax
penghasilan
Pendapatan (beban) pajak ( 6,421,398 ) ( 7,719,024 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi 27,147,109 28,569,974 Total profit (loss) from continuing
yang dilanjutkan operations
Jumlah laba (rugi) 27,147,109 28,569,974 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, sebelum pajak before tax
Pendapatan komprehensif Other comprehensive
lainnya yang tidak akan income that will not be
direklasifikasi ke laba rugi, reclassified to profit or loss,
sebelum pajak before tax
Pendapatan komprehensif 469 769,197 Other comprehensive
lainnya atas keuntungan income for gains (losses)
 (kerugian) hasil revaluasi
aset tetap, sebelum pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, sebelum pajak
Jumlah pendapatan
komprehensif lainnya yang
tidak akan direklasifikasi ke
laba rugi, sebelum pajak
Pendapatan komprehensif
lainnya yang akan
direklasifikasi ke laba rugi,
sebelum pajak
Keuntungan (kerugian)
selisih kurs penjabaran,
sebelum pajak
Keuntungan (kerugian)
yang belum direalisasi atas
perubahan nilai wajar aset
keuangan yang tersedia
untuk dijual, 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
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
on revaluation of property
and equipment, before tax
( 1,483,912 ) ( 341,292 ) Other comprehensive
income for remeasurement
of defined benefit
obligation, before tax
( 1,483,443 ) 427,905 Total other comprehensive
income that will not be
reclassified to profit or loss,
before tax
Other comprehensive
income that may be
reclassified to profit or loss,
before tax
8,108 ( 15,438 ) Gains (losses) on
exchange differences on
translation, before tax
6,290,838 2,604,958 Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, before tax
0 0 Other adjustments to other
comprehensive income that
may be reclassified to profit
or loss, before tax
6,298,946 2,589,520 Total other comprehensive
income that may be
reclassified to profit or loss,
before tax
4,815,503 3,017,425 Total other comprehensive
income, before tax
( 926,161 ) ( 449,138 ) Tax on other comprehensive
income
3,889,342 2,568,287 Total other comprehensive
income, after tax
31,036,451 31,138,261 Total comprehensive income
Profit (loss) attributable to
27,131,109 28,565,053 Profit (loss) attributable to
parent entity
16,000 4,921 Profit (loss) attributable to
non-controlling interests
Comprehensive income
attributable to
31,018,293 31,131,779 Comprehensive income
attributable to parent entity
18,158 6,482 Comprehensive income
attributable to non-controlling
interests
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
1,100 1,159 Basic earnings (loss) per
share from continuing
operations
Diluted earnings (loss) per
dilusian share
Laba (rugi) per saham 1,100 1,159 Diluted earnings (loss) per
dilusian dari operasi yang share from continuing
dilanjutkan operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2020

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Cadangan keuntungan Cadangan pengukuran Ekuitas yang dapat
Cadangan selisih kurs Cadangan pembayaran Cadangan lindung nilai arus Selisih transaksi ekuitas Transaksi dengan pihak Komponen transaksi ekuitas ditentukan ditentukan Saldo laba yang belum
Saham biasa Saham preferen Tambahan modal disetor Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi wajar aset keuangan tersedia (kerugian) investasi pada kembali program imbalan Cadangan lainnya Kepentingan ekuitas lainnya diatribusikan kepada entitas Proforma ekuitas Kepentingan non-pengendali Ekuitas
penjabaran berbasis saham kas dengan pihak non-pengendali non-pengendali lainnya lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual instrumen ekuitas pasti induk
umum dan wajib khusus
Reserve for changes in fair Reserve of gains (losses) Difference in value of equity Appropriated retained
Reserve of exchange Reserve of share-based Reserve of remeasurements of Other transactions with Other components of equity Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Revaluation reserves value of available-for-sale from investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Proforma equity Non-controlling interests Equity
differences on translation payments defined benefit plans non-controlling interests transactions earnings-specific reserves earnings entity
financial assets instruments non-controlling interests reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 1,540,938 5,548,977 9,520,945 364,984 1,951,554 1,385 1,955,604 153,158,544 174,042,931 100,225 174,143,156 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi ( 6,830,677 ) ( 6,830,677 ) ( 6,830,677 ) Initial adoption of new and revised
baru dan revisi accounting standards
Perubahan kebijakan akuntansi 0 Voluntary changes in accounting
secara sukarela policies
Koreksi kesalahan periode lalu 0 Correction of prior period errors
Penyesuaian lainnya 0 Other adjustments
Posisi ekuitas, awal periode 1,540,938 0 5,548,977 0 0 0 9,520,945 364,984 1,951,554 0 0 0 0 0 0 0 0 1,385 1,955,604 0 146,327,867 167,212,254 0 100,225 167,312,479 Equity position, beginning of the period
Laba (rugi) 27,131,109 27,131,109 16,000 27,147,109 Profit (loss)
Pendapatan komprehensif lainnya 469 8,108 5,119,271 0 ( 1,240,664 ) 3,887,184 2,158 3,889,342 Other comprehensive income
Pembentukan cadangan umum 285,650 ( 285,650 ) 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 Allocation for specific reserves
Distribusi dividen kas ( 13,634,221 ) ( 13,634,221 ) ( 13,634,221 ) Distributions of cash dividends
Distribusi dividen saham (0) (0) Distributions of stock dividends
Penerbitan saham biasa 0 0 Issuance of common stocks
Penerbitan saham preferen 0 0 Issuance of preferred stocks
Biaya emisi efek (0) (0) Stock issuance costs
Penerbitan instrumen yang dapat 0 0 Issuance of convertible instruments
dikonversi
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi saham tresuri treasury stock transactions
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi pembayaran berbasis saham share-based payment transactions
Pelaksanaan instrumen yang dapat 0 0 Exercise of convertible instruments
dikonversi
Pelaksanaan waran 0 0 Exercise of warrants
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi dengan pemilik ekuitas transactions with owner's equity
Setoran modal dari kepentingan 0 0 0 Stock subscription from non-controlling
non-pengendali interests
Perubahan kepentingan 0 0 0 Changes in non-controlling interests
non-pengendali atas akuisisi entitas due to acquisition of subsidiaries
anak
Perubahan kepentingan 0 0 Changes in non-controlling interests
non-pengendali atas pendirian entitas due to establishment of subsidiaries
anak
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan entitas due to disposal of subsidiaries
anak
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to disposal of a discontinued
operasi yang dihentikan operation
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to partial disposal of interests in
sebagian kepemilikan pada entitas subsidiaries without loss of control
anak yang tidak mengakibatkan
hilangnya pengendalian
Perubahan kepentingan 0 0 Changes in non-controlling interests
non-pengendali atas transaksi lainnya due to other transactions with
dengan kepentingan non-pengendali non-controlling interests
Eliminasi defisit dalam rangka kuasi (0) (0) Elimination of deficit in connection with
reorganisasi quasi-reorganisation
Pelaksanaan opsi saham 0 0 Stock options exercised
Dampak penerapan PSAK No. 70 atas 0 0 Impact of PSAK No. 70 adoption on tax
aset pengampunan pajak amnesty assets
Transaksi ekuitas lainnya 0 0 0 Other equity transactions
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977 0 0 0 9,521,414 373,092 7,070,825 0 0 0 0 0 0 0 0 1,385 2,241,254 0 158,298,441 184,596,326 0 118,383 184,714,709 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2019

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Cadangan keuntungan Cadangan pengukuran Ekuitas yang dapat
Cadangan selisih kurs Cadangan pembayaran Cadangan lindung nilai arus Selisih transaksi ekuitas Transaksi dengan pihak Komponen transaksi ekuitas ditentukan ditentukan Saldo laba yang belum
Saham biasa Saham preferen Tambahan modal disetor Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi wajar aset keuangan tersedia (kerugian) investasi pada kembali program imbalan Cadangan lainnya Kepentingan ekuitas lainnya diatribusikan kepada entitas Proforma ekuitas Kepentingan non-pengendali Ekuitas
penjabaran berbasis saham kas dengan pihak non-pengendali non-pengendali lainnya lainnya penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual instrumen ekuitas pasti induk
umum dan wajib khusus
Reserve for changes in fair Reserve of gains (losses) Difference in value of equity Appropriated retained
Reserve of exchange Reserve of share-based Reserve of remeasurements of Other transactions with Other components of equity Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Revaluation reserves value of available-for-sale from investments in equity Reserve of cash flow hedges Other reserves Other equity interests transactions with earnings-general and legal Proforma equity Non-controlling interests Equity
differences on translation payments defined benefit plans non-controlling interests transactions earnings-specific reserves earnings entity
financial assets instruments non-controlling interests reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 1,540,938 5,548,977 8,751,748 380,422 ( 132,647 ) 1,385 1,697,052 133,871,809 151,659,684 93,743 151,753,427 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi 0 0 Initial adoption of new and revised
baru dan revisi accounting standards
Perubahan kebijakan akuntansi 0 0 Voluntary changes in accounting
secara sukarela policies
Koreksi kesalahan periode lalu 0 0 Correction of prior period errors
Penyesuaian lainnya 0 0 Other adjustments
Posisi ekuitas, awal periode 1,540,938 0 5,548,977 0 0 0 8,751,748 380,422 ( 132,647 ) 0 0 0 0 0 0 0 0 1,385 1,697,052 0 133,871,809 151,659,684 0 93,743 151,753,427 Equity position, beginning of the period
Laba (rugi) 28,565,053 28,565,053 4,921 28,569,974 Profit (loss)
Pendapatan komprehensif lainnya 769,197 ( 15,438 ) 2,084,201 0 ( 271,234 ) 2,566,726 1,561 2,568,287 Other comprehensive income
Pembentukan cadangan umum 258,552 ( 258,552 ) 0 0 Allocation for general reserves
Pembentukan cadangan khusus 0 0 Allocation for specific reserves
Distribusi dividen kas ( 8,752,529 ) ( 8,752,529 ) ( 8,752,529 ) Distributions of cash dividends
Distribusi dividen saham (0) (0) Distributions of stock dividends
Penerbitan saham biasa 0 0 Issuance of common stocks
Penerbitan saham preferen 0 0 Issuance of preferred stocks
Biaya emisi efek (0) (0) Stock issuance costs
Penerbitan instrumen yang dapat 0 0 Issuance of convertible instruments
dikonversi
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi saham tresuri treasury stock transactions
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi pembayaran berbasis saham share-based payment transactions
Pelaksanaan instrumen yang dapat 0 0 Exercise of convertible instruments
dikonversi
Pelaksanaan waran 0 0 Exercise of warrants
Kenaikan (penurunan) ekuitas melalui 0 0 Increase (decrease) in equity through
transaksi dengan pemilik ekuitas transactions with owner's equity
Setoran modal dari kepentingan 0 0 Stock subscription from non-controlling
non-pengendali interests
Perubahan kepentingan 0 0 Changes in non-controlling interests
non-pengendali atas akuisisi entitas due to acquisition of subsidiaries
anak
Perubahan kepentingan 0 0 Changes in non-controlling interests
non-pengendali atas pendirian entitas due to establishment of subsidiaries
anak
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan entitas due to disposal of subsidiaries
anak
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to disposal of a discontinued
operasi yang dihentikan operation
Perubahan kepentingan (0) (0) Changes in non-controlling interests
non-pengendali atas pelepasan due to partial disposal of interests in
sebagian kepemilikan pada entitas subsidiaries without loss of control
anak yang tidak mengakibatkan
hilangnya pengendalian
Perubahan kepentingan 0 0 0 Changes in non-controlling interests
non-pengendali atas transaksi lainnya due to other transactions with
dengan kepentingan non-pengendali non-controlling interests
Eliminasi defisit dalam rangka kuasi (0) (0) Elimination of deficit in connection with
reorganisasi quasi-reorganisation
Pelaksanaan opsi saham 0 0 Stock options exercised
Dampak penerapan PSAK No. 70 atas 0 0 Impact of PSAK No. 70 adoption on tax
aset pengampunan pajak amnesty assets
Transaksi ekuitas lainnya 3,997 3,997 3,997 Other equity transactions
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977 0 0 0 9,520,945 364,984 1,951,554 0 0 0 0 0 0 0 0 1,385 1,955,604 0 153,158,544 174,042,931 0 100,225 174,143,156 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 2020 31 December 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 78,589,390 76,539,139 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 11,422,371 ) ( 13,523,795 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Pendapatan dari transaksi 3,438,074 4,019,391 Income from other
operasional lainnya operating transactions
Laba (rugi) selisih kurs 106,142 1,864,822 Foreign currency gains
(losses)
Penerimaan pengembalian ( 6,932,987 ) ( 7,909,355 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 26,021,802 ) ( 27,088,835 ) Payments for other
operasional lainnya operating expenses
Penerimaan (pengeluaran) ( 1,476,769 ) ( 652,730 ) Other cash inflows
kas lainnya dari aktivitas (outflows) from operating
operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) ( 3,278,195 ) 580,463 Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) efek 2,622,554 1,242,920 Decrease (increase) in
yang diperdagangkan marketable securities
Penurunan (kenaikan) efek ( 137,243,099 ) ( 118,822 ) Decrease (increase) in
yang dibeli dengan janji securities purchased under
dijual kembali resale agreements
Penurunan (kenaikan) 30,292 523,988 Decrease (increase) in bills
wesel ekspor dan tagihan and other receivables
lainnya
Penurunan (kenaikan) 1,115,402 2,248,758 Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) 9,394,072 ( 52,792,003 ) Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) 2,327,408 ( 3,316,911 ) Decrease (increase) in
piutang pembiayaan consumer financing
konsumen receivables
Penurunan (kenaikan) 51,267 25,193 Decrease (increase) in
investasi sewa lease investments
Penurunan (kenaikan) ( 65,298 ) ( 854,413 ) Decrease (increase) in
piutang lainnya other receivables
Penurunan (kenaikan) aset ( 2,568,705 ) 1,065,298 Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) giro 111,507,904 48,708,905 Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
 Kenaikan (penurunan) 23,522,833 21,719,113 Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) 116,126 414,211 Increase (decrease) in
tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) 3,474,062 287,817 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) ( 921,204 ) ( 522,237 ) Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) 538,599 183,291 Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) 4,075,180 ( 702,168 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang 50,978,875 51,942,040 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
Penerimaan dividen dari 9,147 1,445 Dividends received from
aktivitas investasi investing activities
Penerimaan dari penjualan ( 2,663,982 ) ( 2,638,321 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pembayaran untuk perolehan ( 303,726 ) ( 924,002 ) Payments for acquisition of
entitas anak subsidiaries
Pembayaran untuk perolehan (0) (0) Payments for acquisition of
tambahan kepemilikan pada additional interests in
entitas anak subsidiaries
Penerimaan (pengeluaran) kas ( 41,159,283 ) ( 31,171,536 ) Other cash inflows (outflows)
lainnya dari aktivitas investasi from investing activities
Jumlah arus kas bersih yang ( 44,117,844 ) ( 34,732,414 ) 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 ( 762,000 ) 1,106,617 Increase (decrease) in
yang diterbitkan securities issued
Penerimaan pinjaman yang 29,096,721 88,649,720 Proceeds from borrowings
diterima
Pembayaran pinjaman yang ( 30,118,379 ) ( 88,406,964 ) Payments for borrowings
diterima
Obligasi subordinasi yang 0 0 Subordinated bonds issued
diterbitkan
Penerimaan setoran modal 0 0 Proceeds from capital
contributions
Pembayaran dividen dari ( 13,634,221 ) ( 8,752,529 ) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas ( 135,389 ) 68,260 Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
pendanaan
Jumlah arus kas bersih yang ( 15,553,268 ) ( 7,334,896 ) Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) ( 8,692,237 ) 9,874,730 Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 113,067,545 103,311,560 Cash and cash equivalents cash
periode flows, beginning of the period
Efek perubahan nilai kurs pada 1,895,929 ( 118,745 ) Effect of exchange rate changes
kas dan setara kas on cash and cash equivalents
Kas dan setara kas arus kas, 106,271,237 113,067,545 Cash and cash equivalents cash
akhir periode flows, end of the period