Nomor Surat 2020.016/DIR/CORSEC.

01/III
Nama Emiten PT Bank Artos Indonesia Tbk
Kode Emiten ARTO
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

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

PT Bank Artos Indonesia 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 tunggal / Single entity
satu entitas atau suatu kelompok entitas
Periode penyampaian laporan
keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan
jika mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam
penyajian jumlah dalam laporan
keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf
pendapat untuk penekanan atas suatu
masalah atau paragraf penjelasan
lainnya, jika ada
Hasil penugasan review
Tanggal laporan audit atau hasil laporan March 31, 2020
review
Auditor tahun berjalan
Nama partner audit tahun berjalan
Lama tahun penugasan partner yang
menandatangani
Auditor tahun sebelumnya
Nama partner audit tahun sebelumnya Sutomo, SE, Ak, MM, CPA, CA,
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII G 11
tentang tanggung jawab direksi atas
General information
31 December 2019
PT Bank Artos Indonesia Tbk Entity name
Explanation of change in name from the
end of the preceding reporting period
ARTO Entity code
AA723 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 / Stock 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
Tahunan / Annual Period of financial statements
submissions
January 01, 2019 Current period start date
December 31, 2019 Current period end date
December 31, 2018 Prior year end date
January 01, 2018 Prior period start date
December 31, 2018 Prior period end date
Rupiah / IDR Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than
rupiah
Satuan Penuh / Full Amount 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
Tanubrata Sutanto Fahmi Current year auditor
Bambang dan Rekan
Sutomo, SE, Ak, MM, CPA, CA, Name of current year audit signing
SAS partner
Number of years served as audit signing
partner
Tanubrata Sutanto Fahmi dan Prior year auditor
Rekan
Name of prior year audit signing partner
SAS
Ya / Yes Whether in compliance with BAPEPAM
LK VIII G 11 rules concerning
responsibilities of board of directors on
laporan keuangan
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII A dua
tentang independensi akuntan yang
memberikan jasa audit di pasar modal
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 2019 31 December 2018
Aset Assets
Kas 25,485,850,900 20,478,487,900 Cash
Giro pada bank indonesia 37,434,339,937 37,424,932,443 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 601,904,696 2,799,765,953 Current accounts with other
ketiga banks third parties
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 896,676,451,412 97,203,898,283 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 282,528,110,739 381,589,028,685 Loans third parties
pihak ketiga
Pinjaman yang diberikan 2,267,183,696 11,265,530,536 Loans related parties
pihak berelasi
Cadangan kerugian ( 33,124,327,775 ) ( 9,093,880,848 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Uang muka 812,549,999 48,008,356 Advances
Biaya dibayar dimuka 1,518,512,042 2,979,875,014 Prepaid expenses
Aset pajak tangguhan 0 3,690,345,101 Deferred tax assets
Aset tetap 69,358,931,805 65,904,049,232 Property and equipment
Agunan yang diambil alih 34,294,918,619 28,493,238,521 Foreclosed assets
Aset lainnya 3,202,775,435 21,890,192,234 Other assets
Jumlah aset 1,321,057,201,505 664,673,471,410 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 2,361,799,218 2,196,527,709 Obligations due
immediately
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 18,345,867,618 18,772,412,472 Current accounts
third parties
Giro pihak berelasi 6,375,220,408 14,548,769,358 Current accounts
related parties
Tabungan Savings
Tabungan pihak 83,390,011,880 56,885,616,490 Savings third parties
ketiga
Tabungan pihak 2,439,232,360 1,789,821,428 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka 480,964,640,380 406,905,287,756 Time deposits third
pihak ketiga parties
Deposito berjangka 7,569,278,806 13,036,142,124 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 27,925,524,507 24,175,251,957 Other banks deposits
 Utang pajak
Liabilitas lainnya
Jumlah liabilitas
Ekuitas
Ekuitas yang
diatribusikan kepada
pemilik entitas induk
Saham biasa
Tambahan modal
disetor
Cadangan revaluasi
Komponen ekuitas
lainnya
Saldo laba (akumulasi
kerugian)
Saldo laba yang
telah ditentukan
penggunaanya
Cadangan umum
dan wajib
Saldo laba yang ( 177,223,868,421 )
belum ditentukan
penggunaannya
Jumlah ekuitas yang
diatribusikan kepada
pemilik entitas induk
Jumlah ekuitas
Jumlah liabilitas, dana syirkah 1,321,057,201,505
temporer dan ekuitas
967,428,070 1,034,145,889 Taxes payable
9,538,979,373 9,770,045,341 Other liabilities
639,877,982,620 549,114,020,524 Total liabilities
Equity
Equity attributable to
equity owners of parent
entity
120,625,000,000 120,625,000,000 Common stocks
4,481,761,081 4,481,761,081 Additional paid-in capital
37,566,850,710 48,343,251,691 Revaluation reserves
686,729,475,515 551,334,209 Other components of
equity
Retained earnings
(deficit)
Appropriated
retained earnings
9,000,000,000 9,000,000,000 General and
legal reserves
( 67,441,896,095 ) Unappropriated
retained earnings
681,179,218,885 115,559,450,886 Total equity attributable
to equity owners of
parent entity
681,179,218,885 115,559,450,886 Total equity
664,673,471,410 Total liabilities, temporary
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
penghasilan
komprehensif lain
Pendapatan dan beban
operasional
Pendapatan bunga
Beban bunga
Pendapatan operasional
lainnya
Pendapatan provisi dan
komisi dari transaksi
lainnya selain kredit
Pendapatan operasional
lainnya
Beban operasional lainnya
Beban umum dan
administrasi
Beban provisi dan komisi
Beban operasional
lainnya
Jumlah laba operasional
Pendapatan dan beban bukan
operasional
Pendapatan bukan
operasional
Beban bukan operasional
Jumlah laba (rugi) sebelum pajak
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi
yang dilanjutkan
Jumlah laba (rugi)
Pendapatan komprehensif
lainnya, setelah pajak
Pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, setelah pajak
Jumlah pendapatan
komprehensif lainnya, setelah
pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat
diatribusikan
Laba (rugi) yang dapat
diatribusikan ke entitas induk
Laba rugi komprehensif yang
Statement of profit or
loss and other
comprehensive
income
31 December 2019 31 December 2018
Operating income and
expenses
52,608,987,407 67,456,229,050 Interest income
( 41,108,531,472 ) ( 39,954,509,397 ) Interest expenses
Other operating income
1,120,752,198 230,338,588 Provisions and
commissions income from
transactions other than loan
4,289,068,254 3,738,170,415 Other operating income
Other operating expenses
( 15,137,570,861 ) ( 17,181,622,212 ) General and administrative
expenses
( 54,606,300 ) ( 46,532,500 ) Other fees and
commissions expenses
( 93,440,857,412 ) ( 32,583,234,973 ) Other operating expenses
( 91,722,758,186 ) ( 18,341,161,029 ) Total profit from operation
Non-operating income and
expense
745,031,848 110,499,999 Non-operating income
( 27,817,130,773 ) ( 121,451,500 ) Non-operating expenses
( 118,794,857,111 ) ( 18,352,112,530 ) Total profit (loss) before tax
( 3,170,958,688 ) ( 4,936,316,261 ) Tax benefit (expenses)
( 121,965,815,799 ) ( 23,288,428,791 ) Total profit (loss) from continuing
operations
( 121,965,815,799 ) ( 23,288,428,791 ) Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
4,727,458,798 ( 202,651,606 ) Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
4,727,458,798 ( 202,651,606 ) Total other comprehensive
income, after tax
( 117,238,357,001 ) ( 23,491,080,397 ) Total comprehensive income
Profit (loss) attributable to
( 121,965,815,799 ) ( 23,288,428,791 ) Profit (loss) attributable to
parent entity
Comprehensive income
dapat diatribusikan
Laba rugi komprehensif yang
dapat diatribusikan ke entitas
induk
Laba (rugi) per saham
Laba per saham dasar
diatribusikan kepada pemilik
entitas induk
Laba (rugi) per saham
dasar dari operasi yang
dilanjutkan
attributable to
( 117,238,357,001 ) ( 23,491,080,397 ) Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
( 97.19 ) ( 19.47 ) Basic earnings (loss) per
share from continuing
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
Ekuitas yang dapat
Komponen transaksi ekuitas ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi diatribusikan kepada entitas Ekuitas
lainnya penggunaannya-cadangan ditentukan penggunaannya
induk
umum dan wajib
Appropriated retained
Other components of equity Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves earnings-general and legal Equity
transactions earnings entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 120,625,000,000 4,481,761,081 37,566,850,710 3,871,350,515 9,000,000,000 ( 59,985,511,420 ) 115,559,450,886 115,559,450,886 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 120,625,000,000 4,481,761,081 37,566,850,710 3,871,350,515 9,000,000,000 ( 59,985,511,420 ) 115,559,450,886 115,559,450,886 Equity position, beginning of the
period
Laba (rugi) ( 121,965,815,799 ) ( 121,965,815,799 ) ( 121,965,815,799 ) Profit (loss)
Pendapatan komprehensif lainnya 4,727,458,798 4,727,458,798 4,727,458,798 Other comprehensive income
Transaksi ekuitas lainnya 682,858,125,000 682,858,125,000 682,858,125,000 Other equity transactions
Posisi ekuitas, akhir periode 120,625,000,000 4,481,761,081 37,566,850,710 686,729,475,515 9,000,000,000 ( 177,223,868,421 ) 681,179,218,885 681,179,218,885 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
Ekuitas yang dapat
Komponen transaksi ekuitas ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi diatribusikan kepada entitas Ekuitas
lainnya penggunaannya-cadangan ditentukan penggunaannya
induk
umum dan wajib
Appropriated retained
Other components of equity Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves earnings-general and legal Equity
transactions earnings entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 120,625,000,000 4,481,761,081 48,343,251,691 753,985,815 9,000,000,000 ( 44,153,467,304 ) 139,050,531,283 139,050,531,283 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 120,625,000,000 4,481,761,081 48,343,251,691 753,985,815 9,000,000,000 ( 44,153,467,304 ) 139,050,531,283 139,050,531,283 Equity position, beginning of the
period
Laba (rugi) ( 23,288,428,791 ) ( 23,288,428,791 ) ( 23,288,428,791 ) Profit (loss)
Pendapatan komprehensif lainnya ( 202,651,606 ) ( 202,651,606 ) ( 202,651,606 ) Other comprehensive income
Posisi ekuitas, akhir periode 120,625,000,000 4,481,761,081 48,343,251,691 551,334,209 9,000,000,000 ( 67,441,896,095 ) 115,559,450,886 115,559,450,886 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
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, provisi dan komisi
Pendapatan dari transaksi
operasional lainnya
Pembayaran gaji dan
tunjangan
Pembayaran beban
operasional lainnya
Penerimaan pendapatan
non-operasional
Penerimaan (pengeluaran)
kas lainnya dari aktivitas
operasi
Penurunan (kenaikan) aset
operasi
Penurunan (kenaikan)
pinjaman yang diberikan
Penurunan (kenaikan)
agunan yang diambil alih
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)
simpanan dari bank lain
Kenaikan (penurunan)
liabilitas lainnya
Jumlah arus kas bersih yang
diperoleh dari (digunakan
untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penjualan
(perolehan) aset tetap
Statement of cash
flows
31 December 2019 31 December 2018
Cash flows from operating
activities
Cash flows before changes
in operating assets and
liabilities
51,519,370,609 67,458,332,082 Interest, investment
income, fees and
commissions received
( 39,157,595,868 ) ( 40,656,498,685 ) Payments Of Interest And
Bonus Fees And
Commissions
1,120,752,197 3,865,190,083 Income from other
operating transactions
( 28,371,730,214 ) ( 27,235,907,449 ) Payments for salaries and
allowances
( 9,539,293,737 ) ( 30,622,691,693 ) Payments for other
operating expenses
0 500,000 Receipts from
non-operating income
( 23,191,356,825 ) 15,652,833,793 Other cash inflows
(outflows) from operating
activities
Decrease (increase) in
operating assets
78,753,169,999 81,254,340,153 Decrease (increase) in
loans
( 5,801,680,098 ) ( 1,869,846,203 ) Decrease (increase) in
foreclosed assets
19,397,629,707 ( 6,182,015,204 ) Decrease (increase) in
other assets
Increase (decrease) in
operating liabilities
( 2,376,829,507 ) ( 452,537,637 ) Increase (decrease) in
obligations due
immediately
18,553,712,517 ( 14,446,491,282 ) Increase (decrease) in
current accounts and
customers savings
68,592,489,305 ( 144,732,862,062 ) Increase (decrease) in
customers time deposits
3,750,272,549 9,887,743,148 Increase (decrease) in
other banks saving
deposits
1,064,831,037 2,060,968,426 Increase (decrease) in
other liabilities
134,313,741,671 ( 86,018,942,530 ) Total net cash flows received
from (used in) operating
activities
Cash flows from investing
activities
( 785,575,303 ) ( 1,198,183,144 ) Proceeds from disposal
(acquisition) of property and
equipment
 Penerimaan (pengeluaran) kas
lainnya dari aktivitas investasi
Jumlah arus kas bersih yang
diperoleh dari (digunakan
untuk) aktivitas investasi
Arus kas dari aktivitas
pendanaan
Penerimaan setoran modal
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
Kas dan setara kas arus kas,
akhir periode
( 813,567,559,841 ) 77,607,505,562 Other cash inflows (outflows)
from investing activities
( 814,353,135,144 ) 76,409,322,418 Total net cash flows received
from (used in) investing
activities
Cash flows from financing
activities
682,858,125,000 0 Proceeds from capital
contributions
682,858,125,000 Total net cash flows received
from (used in) financing
activities
2,818,731,527 ( 9,609,620,112 ) Total net increase (decrease) in
cash and cash equivalents
60,703,186,296 70,312,806,408 Cash and cash equivalents cash
flows, beginning of the period
63,521,917,825 60,703,186,296 Cash and cash equivalents cash
flows, end of the period