014 - 018 - Tata Firmansyah

Nama: Tata Firmansyah
NIM : 40011419650018
Kelas : A - D4 Akuntansi Perpajak
Mata K: Analisa Laporan Keuangan
Dosen: Puji Harto,S.E.,Akt.M.Si.,P
Firmansyah
1419650018
4 Akuntansi Perpajakan
sa Laporan Keuangan
Harto,S.E.,Akt.M.Si.,Ph.D.
BNI merupakan Bank BUMN (Badan Usaha Milik Negara) pertama yang menjadi peru
Jakarta dan Bursa Efek Surabaya pada tahun 1996. Untuk memperkuat struktur ke
nasional, BNI melakukan sejumlah aksi korporasi, antara lain proses rekapitalisasi ole
tahun 2007, dan penawaran umum saham ter
Visi Perusahaan :
Menjadi Lembaga Keuangan yang unggul dalam layanan d
Misi Perusahaan :
Memberikan layanan prima dan solusi digital kepada seluruh Nas

Memperkuat layanan internasional untuk mendukung k
Meningkatkan nilai investasi yang unggu
Menciptakan kondisi terbaik bagi Karyawan sebagai tempat keba
Meningkatkan kepedulian dan tanggung jawab kepada
Menjadi acuan pelaksanaan kepatuhan dan tata kelola per
tama yang menjadi perusahaan publik setelah mencatatkan sahamnya di Bursa Efek
memperkuat struktur keuangan dan daya saingnya di tengah industri perbankan
proses rekapitalisasi oleh Pemerintah di tahun 1999, divestasi saham Pemerintah di
waran umum saham terbatas di tahun 2010.
Visi Perusahaan :
unggul dalam layanan dan kinerja secara berkelanjutan.
Misi Perusahaan :
gital kepada seluruh Nasabah selaku Mitra Bisnis pilihan utama.

onal untuk mendukung kebutuhan Mitra Bisnis Global.
ilai investasi yang unggul bagi Investor.
an sebagai tempat kebanggaan untuk berkarya dan berprestasi.
tanggung jawab kepada lingkungan dan Masyarakat.
uhan dan tata kelola perusahaan yang baik bagi industri.
PROYEKSI LAPORAN KEUANGAN
Actuals
Pos-Pos Neraca
2016 2017
ASET
Aset Lancar
Kas Rp 11,167,643 Rp 11,577,664
Giro pada Bank Indonesia Rp 30,146,853 Rp 32,700,717
Giro pada Bank lain Rp 6,298,019 Rp 21,335,150
Penempatan pada Bank Indonesia dan Bank lain Rp 33,661,668 Rp 28,592,738
Efek-efek Rp 23,855,857 Rp 36,358,994
Cadangan kerugian penurunan nilai -Rp 91,107 -Rp 309,095
Tagihan Wesel Ekspor Rp 8,567,795 Rp 15,700,925
Obligasi Pemerintah Rp 63,006,339 Rp 79,849,452
Efek-efek yang Dibeli dengan Janji Dijual Kembali Rp 1,664,750 Rp 679,122
Tagihan Derivatif Rp 249,864 Rp 216,884
Kredit yang Diberikan Rp 393,275,392 Rp 441,313,566
Cadangan kerugian penurunan nilai -Rp 16,680,865 -Rp 14,523,585
Tagihan Akseptasi Rp 14,724,394 Rp 18,106,412
Biaya dibayar dimuka Rp 2,410,891 Rp 2,318,516
Pajak dibayar dimuka Rp 620,320 Rp 622,723
Jumlah Aset Lancar Rp 572,877,813 Rp 674,540,183
Aset Tidak Lancar

Penyertaan saham Rp 57,169 Rp 713,423
Aset pajak tangguhan Rp 1,331,508 Rp 890,903
Aset tetap Rp 21,972,223 Rp 22,804,689
Aset lainnya Rp 6,793,167 Rp 10,380,886
Jumlah Aset Tidak Lancar Rp 30,154,067 Rp 34,789,901
JUMLAH ASET Rp 603,031,880 Rp 709,330,084
LIABILITAS
Liabilitas Jangka Pendek
Liabilitas Segera Rp 3,275,668 Rp 4,867,547
Total Simpanan Nasabah Rp 415,453,084 Rp 492,747,948
Simpanan dari Bank lain dan Lembaga Keuangan lainnya Rp 9,735,182 Rp 11,734,207
Efek-efek yang Dijual dengan Janji Dibeli Kembali Rp 3,764,961 Rp 2,390,066
Liabilitas Derivatif Rp 410,870 Rp 113,820
Liabilitas Akseptasi Rp 4,358,537 Rp 4,507,331
Utang Pajak Rp 150,770 Rp 80,425
Beban yang masih harus dibayar Rp 1,047,239 Rp 971,479
Jumlah Liabilitas Jangka Pendek Rp 438,196,311 Rp 517,412,823
Liabilitas Jangka Panjang
Pinjaman yang Diterima Rp 32,965,422 Rp 44,670,741
Penyisihan Rp 156,119 Rp 192,406
Efek-efek yang diterbitkan Rp 6,731,115 Rp 2,986,279
Liabilitas Imbalan Kerja Rp 3,503,202 Rp 4,093,855
Liabilitas Lain-lain Rp 11,148,956 Rp 14,730,714
Pinjaman dan Surat Berharga Subordinasi Rp - Rp -
Dana Syirkah Bukan bank Rp 20,091,829 Rp 23,350,034
Dana Syirkah Bank Rp 488,926 Rp 493,928
Efek yang diterbitkan bank Rp 496,000 Rp 496,000
Jumlah Liabilitas Jangka Panjang Rp 75,581,569 Rp 91,013,957
JUMLAH LIABILITAS Rp 513,777,880 Rp 608,426,780
EKUITAS
Modal Saham Rp 9,054,807 Rp 9,054,807
Tambahan modal disetor Rp 14,568,468 Rp 14,568,468
Transaksi dengan kepentingan non pengendali Rp 2,256,999 Rp 2,256,999
Cadangan Revaluasi Rp 12,285,490 Rp 12,283,125
Laba (Rugi) yang belum direalisasi atas efek-efek dan obl-Rp 1,888,467 Rp 22,230
Cadangan Selisih kurs penjabaran Rp 81,715 Rp 93,155
Saldo laba Rp 50,798,322 Rp 60,313,505
Saham tresuri Rp - Rp -
Total Ekuitas yang Dapat Didistribusikan Kepada Entitas Rp 87,157,334 Rp 98,592,289
Kepentingan non-pengendali Rp 2,096,666 Rp 2,311,015
JUMLAH EKUITAS Rp 89,254,000 Rp 100,903,304

JUMLAH LIABILITAS DAN EKUITAS Rp 603,031,880 Rp 709,330,084
Actuals
Pos - Pos Laba Rugi
2016 2017
PENDAPATAN Rp 9,962,683 Rp 11,040,059
BEBAN POKOK PENJUALAN Rp - Rp -
LABA KOTOR Rp 9,962,683 Rp 11,040,059
BEBAN USAHA/OPERASIONAL
Beban Gaji dan Tunjangan Rp (8,833,954) Rp (9,277,196)
Beban Administrasi dan Umum Rp (6,211,925) Rp (6,922,572)
Beban Promosi Rp (945,652) Rp (1,038,713)
Premi Penjaminan Simpanan Rp (729,374) Rp (877,307)
Beban Lain-Lain Rp (2,495,938) Rp (2,280,604)
TOTAL BEBAN USAHA Rp (19,216,843) Rp (20,396,392)
LABA USAHA Rp (9,254,160) Rp (9,356,333)
PENGHASILAN (BEBAN) LAIN-LAIN
Pendapatan Bunga Rp 43,768,439 Rp 48,177,849
Beban Bunga Rp (13,773,377) Rp (16,240,086)
Pendapatan bunga dan Pendapatan syariah neto Rp 29,995,062 Rp 31,937,763
Pendapatan Premi Rp 5,596,823 Rp 6,871,380
Beban klaim Rp (4,255,262) Rp (5,103,812)
Cadangan kerugian penurunan nilai Rp (7,853,131) Rp (7,126,335)
Pendapatan bukan operasional Rp 73,573 Rp (57,276)
PENGHASILAN (BEBAN) LAIN-LAIN BERSIH Rp 23,557,065 Rp 26,521,720
LABA SEBELUM PAJAK Rp 14,302,905 Rp 17,165,387
Beban Pajak Rp (2,892,709) Rp (3,394,795)
LABA BERSIH Rp 11,410,196 Rp 13,770,592
Actuals
Pos - Pos Arus Kas
2016 2017
ARUS KAS DARI AKTIVITAS OPERASI
Pendapatan yang diterima
Penerimaan bunga dan investasi Rp 40,253,309 Rp 44,494,561
Pendapatan syariah Rp 2,790,383 Rp 3,174,648
Pendapatan premi Rp 5,596,823 Rp 6,871,380
Beban yang dibayar
Beban bunga -Rp 12,962,655 -Rp 15,207,118
Beban Syariah -Rp 854,557 -Rp 967,942
Beban Klaim -Rp 4,255,262 -Rp 5,103,812
Pendapatan operasional lainnya Rp 9,612,498 Rp 10,585,204
Beban operasional lainnya -Rp 20,816,407 -Rp 19,182,605
Pendapatan non operasional - neto Rp 73,573 -Rp 57,276
Pembayaran dan penerimaan kembali atas pajak pengha-Rp 3,583,629 -Rp 3,365,755
Arus kas sebelum perubahan dalam aset dan liabilitas o Rp 15,854,076 Rp 21,241,285
Kas Neto yang Diperoleh dari Kegiatan Operasi Rp 31,708,152 Rp 42,482,570
ARUS KAS DARI AKTIVITAS INVESTASI

Pembelian efek-efek yang tersedia untuk dijual dan dimi-Rp 12,932,452 -Rp 8,672,745
Pembelian obligasi pemerintah -Rp 14,313,878 -Rp 12,695,997
Penambahan aset tetap -Rp 2,171,589 -Rp 1,947,526
Hasil penjualan aset tetap Rp 17,755 Rp 41,997
Kas Neto yang Digunakan untuk Kegiatan Investasi -Rp 29,400,164 -Rp 23,274,271
ARUS KAS DARI KEGIATAN PENDANAAN

Kenaikan pinjaman yang diterima Rp 9,864,921 Rp 12,333,663
Penurunan efek-efek yang diterbitkan -Rp 139,552 -Rp 3,744,836
(penurunan)/kenaikan efek-efek yang dijual dengan janji Rp 601,819 -Rp 1,374,895
Pembayaran liabilitas sewa Rp - Rp -
Kenaikan efek-efek subordinasi Rp - Rp -
Pembayaran dividen -Rp 2,266,885 -Rp 3,968,562
Kas Neto yang Diperoleh dari Kegiatan Pendanaan Rp 8,060,303 Rp 3,245,370
Actuals
2018 2019 2020 Year + 1
Rp 14,043,846 Rp 15,361,703 Rp 17,324,047 0.21%

Rp 35,591,243 Rp 37,104,091 Rp 35,065,701 0.42%
Rp 13,133,828 Rp 14,962,793 Rp 16,107,788 0.19%
Rp 39,324,445 Rp 47,776,809 Rp 61,329,259 0.74%
Rp 32,362,407 Rp 27,446,870 Rp 29,946,816 0.36%
-Rp 318,137 -Rp 285,119 -Rp 260,219 0.00%
Rp 24,586,862 Rp 19,207,603 Rp 17,893,534 0.22%
Rp 86,791,402 Rp 81,029,020 Rp 90,659,318 1.09%
Rp - Rp 411,442 Rp 8,666,091 0.10%
Rp 605,248 Rp 312,266 Rp 1,460,614 0.02%
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787 7.07%
-Rp 14,891,609 -Rp 16,908,871 -Rp 44,227,986 -0.53%
Rp 20,295,277 Rp 18,558,276 Rp 20,575,666 0.25%
Rp 2,337,403 Rp 2,609,259 Rp 2,807,092 0.03%
Rp 1,624,418 Rp 1,049,979 Rp 1,049,787 0.01%
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295 10.18%
Rp 603,923 Rp 523,103 Rp 813,087 0.20%

Rp 1,676,366 Rp 1,349,343 Rp 4,799,832 1.19%
Rp 26,126,508 Rp 26,524,759 Rp 27,362,400 6.77%
Rp 11,900,084 Rp 11,800,935 Rp 13,757,811 3.41%
Rp 40,306,881 Rp 40,198,140 Rp 46,733,130 11.57%
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 21.75%
Rp 4,160,295 Rp 5,272,805 Rp 5,560,702 0.09%

Rp 552,172,202 Rp 582,540,625 Rp 647,571,744 10.89%
Rp 13,874,495 Rp 11,584,276 Rp 9,023,031 0.15%
Rp 21,524,329 Rp 2,183,403 Rp 2,590,268 0.04%
Rp 322,028 Rp 203,054 Rp 414,280 0.01%
Rp 4,416,613 Rp 5,341,440 Rp 5,500,360 0.09%
Rp 481,064 Rp 567,811 Rp 1,147,777 0.02%
Rp 876,347 Rp 997,259 Rp 1,181,534 0.02%
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696 11.31%
Rp 52,024,506 Rp 57,235,500 Rp 44,114,314 3.63%
Rp 177,519 Rp 185,019 Rp 1,421,914 0.12%
Rp 2,987,464 Rp 2,985,052 Rp 2,985,011 0.25%
Rp 3,512,266 Rp 4,392,277 Rp 6,344,268 0.52%
Rp 14,608,465 Rp 14,900,956 Rp 18,280,485 1.50%
Rp 99,953 Rp 99,965 Rp 99,975 0.01%
Rp 26,602,572 Rp 31,770,347 Rp 31,880,701 2.62%
Rp 358,104 Rp 341,471 Rp 348,862 0.03%
Rp - Rp - Rp - 0.00%
Rp 100,370,849 Rp 111,910,587 Rp 105,475,530 8.68%
Rp 698,198,222 Rp 720,601,260 Rp 778,465,226 20.00%
Rp 9,054,807 Rp 9,054,807 Rp 9,054,807 0.48%

Rp 14,568,468 Rp 14,568,468 Rp 14,568,468 0.78%
Rp 2,256,999 Rp 2,256,999 Rp 2,256,999 0.12%
Rp 14,978,731 Rp 14,946,879 Rp 14,962,961 0.80%
-Rp 3,913,839 -Rp 822,278 Rp 2,424,779 0.13%
Rp 84,886 Rp 47,199 Rp 23,254 0.00%
Rp 71,046,832 Rp 79,685,093 Rp 66,980,701 3.58%
Rp - Rp - -Rp 79,449 0.00%
Rp 108,076,884 Rp 122,515,579 Rp 110,192,520 5.90%
Rp 2,296,905 Rp 2,488,369 Rp 2,679,679 0.14%
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199 6.04%

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 26.04%
Actuals
2018 2019 2020 Year + 1
Rp 11,612,599 Rp 13,712,398 Rp 13,412,581 7.71%
Rp - Rp - Rp - 0.00%
Rp 11,612,599 Rp 13,712,398 Rp 13,412,581 7.71%
Rp (9,518,738) Rp (10,186,127) Rp (9,750,781) 43.23%

Rp (7,667,065) Rp (8,258,709) Rp (9,062,677) 40.18%
Rp (1,290,553) Rp (1,312,056) Rp (1,030,410) 4.57%
Rp (970,733) Rp (1,110,996) Rp (1,188,620) 5.27%
Rp (2,335,872) Rp (2,819,011) Rp (3,181,268) 14.10%
Rp (21,782,961) Rp (23,686,899) Rp (24,213,756) 107.36%
Rp (10,170,362) Rp (9,974,501) Rp (10,801,175) 47.89%
Rp 54,138,613 Rp 58,532,373 Rp 56,172,871 -249.05%

Rp (18,692,298) Rp (21,929,999) Rp (19,020,905) 84.33%
Rp 35,446,315 Rp 36,602,374 Rp 37,151,966 -164.72%
Rp 5,997,417 Rp 6,158,192 Rp 5,330,499 -23.63%
Rp (4,285,560) Rp (4,461,264) Rp (3,859,411) 17.11%
Rp (7,388,411) Rp (8,838,178) Rp (22,590,435) 100.16%
Rp 221,316 Rp (117,517) Rp (119,291) 0.53%
Rp 29,991,077 Rp 29,343,607 Rp 15,913,328 -70.56%
Rp 19,820,715 Rp 19,369,106 Rp 5,112,153 -22.67%
Rp (4,728,952) Rp (3,860,523) Rp (1,790,711) 14.30%
Rp 15,091,763 Rp 15,508,583 Rp 3,321,442 -26.53%
Actuals
2018 2019 2020 Year + 1
Rp 49,572,508 Rp 56,177,837 Rp 52,333,016 12.75%

Rp 3,567,329 Rp 4,036,377 Rp 4,028,813 0.98%
Rp 5,997,417 Rp 6,158,192 Rp 5,330,499 1.30%
-Rp 17,367,950 -Rp 21,064,257 -Rp 18,478,792 -4.50%

-Rp 1,007,842 -Rp 990,498 -Rp 919,820 -0.22%
-Rp 4,285,560 -Rp 4,461,264 -Rp 3,859,411 -0.94%
Rp 11,540,546 Rp 13,767,574 Rp 11,267,818 2.75%
-Rp 18,924,886 -Rp 21,321,979 -Rp 22,826,335 -5.56%
Rp 221,316 -Rp 117,517 -Rp 119,292 -0.03%
-Rp 3,932,801 -Rp 4,082,687 -Rp 1,544,212 -0.38%
Rp 25,380,077 Rp 28,101,778 Rp 25,212,284 6.14%
Rp 50,760,154 Rp 56,203,556 Rp 50,424,568 12.29%
Rp 2,472,482 Rp 6,551,381 -Rp 3,834,695 -6.42%

-Rp 10,343,596 Rp 8,683,936 -Rp 6,909,989 -11.57%
-Rp 1,945,179 -Rp 1,851,800 -Rp 1,273,440 -2.13%
Rp 204,591 Rp 100,137 Rp 26,008 0.04%
-Rp 9,611,702 Rp 13,483,654 -Rp 11,992,116 -20.07%
Rp 6,795,949 Rp 5,273,245 -Rp 13,530,558 16.37%

Rp - Rp - Rp - 0.00%
Rp 18,478,977 -Rp 20,010,573 Rp 507,305 -0.61%
Rp - Rp - -Rp 79,449 0.10%
Rp - Rp - -Rp 190,348 0.23%
Rp 99,953 Rp - Rp - 0.00%
-Rp 4,765,767 -Rp 3,753,780 -Rp 3,846,119 4.65%
Rp 20,609,112 -Rp 18,491,108 -Rp 17,139,169 20.74%
Forecasts
2021 Year + 2 2022 Year + 3 2023
Rp 17,360,235 0.30% Rp 17,412,073 0.42% Rp 17,484,518

Rp 35,213,965 0.61% Rp 35,427,250 0.85% Rp 35,727,157
Rp 16,139,073 0.28% Rp 16,183,874 0.39% Rp 16,246,460
Rp 61,782,788 1.06% Rp 62,439,335 1.49% Rp 63,370,934
Rp 30,054,952 0.52% Rp 30,210,321 0.72% Rp 30,428,404
-Rp 260,211 0.00% -Rp 260,199 -0.01% -Rp 260,183
Rp 17,932,141 0.31% Rp 17,987,450 0.43% Rp 18,064,762
Rp 91,650,366 1.58% Rp 93,095,138 2.22% Rp 95,166,073
Rp 8,675,147 0.15% Rp 8,688,091 0.21% Rp 8,706,128
Rp 1,460,871 0.03% Rp 1,461,238 0.03% Rp 1,461,749
Rp 627,642,186 10.80% Rp 695,399,349 16.62% Rp 810,952,268
-Rp 43,992,121 -0.76% -Rp 43,659,246 -1.04% -Rp 43,203,771
Rp 20,626,714 0.35% Rp 20,699,894 0.49% Rp 20,802,282
Rp 2,808,042 0.05% Rp 2,809,398 0.07% Rp 2,811,284
Rp 1,049,920 0.02% Rp 1,050,109 0.03% Rp 1,050,373
Rp 888,144,069 15.28% Rp 958,944,076 22.91% Rp 1,078,808,440
Rp 814,723 0.29% Rp 817,068 0.40% Rp 820,351

Rp 4,856,857 1.72% Rp 4,940,193 2.43% Rp 5,060,200
Rp 29,215,582 10.32% Rp 32,231,046 15.85% Rp 37,339,236
Rp 14,226,310 5.03% Rp 14,941,316 7.35% Rp 16,039,046
Rp 49,113,471 17.35% Rp 52,929,623 26.03% Rp 59,258,833
Rp 937,257,540 32.63% Rp 1,011,873,699 48.94% Rp 1,138,067,274
Rp 5,565,901 0.13% Rp 5,572,972 0.16% Rp 5,582,153

Rp 718,076,027 16.39% Rp 835,779,112 24.71% Rp 1,042,260,386
Rp 9,036,719 0.21% Rp 9,055,360 0.27% Rp 9,079,599
Rp 2,591,396 0.06% Rp 2,592,929 0.08% Rp 2,594,916
Rp 414,309 0.01% Rp 414,348 0.01% Rp 414,399
Rp 5,505,447 0.13% Rp 5,512,365 0.16% Rp 5,521,347
Rp 1,147,998 0.03% Rp 1,148,299 0.03% Rp 1,148,689
Rp 1,181,769 0.03% Rp 1,182,088 0.03% Rp 1,182,501
Rp 743,519,565 16.97% Rp 861,257,473 25.46% Rp 1,067,783,990
Rp 45,716,256 5.50% Rp 48,231,143 8.37% Rp 52,270,218
Rp 1,423,578 0.17% Rp 1,426,017 0.25% Rp 1,429,548
Rp 2,992,346 0.36% Rp 3,003,120 0.52% Rp 3,018,780
Rp 6,377,400 0.77% Rp 6,426,340 1.12% Rp 6,498,046
Rp 18,555,568 2.23% Rp 18,969,878 3.29% Rp 19,594,699
Rp 99,983 0.01% Rp 99,995 0.02% Rp 100,013
Rp 32,717,350 3.94% Rp 34,005,402 5.90% Rp 36,013,213
Rp 348,962 0.04% Rp 349,109 0.06% Rp 349,320
Rp - 0.00% Rp - 0.00% Rp -
Rp 108,231,443 13.02% Rp 112,511,004 19.54% Rp 119,273,836
Rp 851,751,008 30.00% Rp 973,768,477 44.99% Rp 1,187,057,826
Rp 9,098,686 0.35% Rp 9,130,984 0.52% Rp 9,178,268

Rp 14,682,054 0.57% Rp 14,766,153 0.84% Rp 14,889,809
Rp 2,259,725 0.09% Rp 2,261,717 0.13% Rp 2,264,618
Rp 15,082,782 0.59% Rp 15,171,534 0.86% Rp 15,302,073
Rp 2,427,926 0.09% Rp 2,430,225 0.14% Rp 2,433,575
Rp 23,254 0.00% Rp 23,255 0.00% Rp 23,255
Rp 69,381,722 2.71% Rp 71,259,773 4.04% Rp 74,139,629
-Rp 79,446 0.00% -Rp 79,443 0.00% -Rp 79,440
Rp 116,690,836 4.55% Rp 122,003,235 6.92% Rp 130,444,831
Rp 2,683,522 0.10% Rp 2,686,331 0.15% Rp 2,690,424
Rp 232,251,061 9.06% Rp 239,653,764 13.59% Rp 251,287,043

Rp 1,084,002,070 39.06% Rp 1,213,422,242 58.59% Rp 1,438,344,869
Forecasts
2021 Year + 2 2022 Year + 3 2023
Rp 14,446,887 11.57% Rp 16,117,986 17.35% Rp 18,914,583
Rp - 0.00% Rp - 0.00% Rp -
Rp 14,446,887 11.57% Rp 16,117,986 17.35% Rp 18,914,583
Rp (13,966,259) 65.00% Rp (23,044,328) 90.00% Rp (43,784,222)

Rp (12,704,183) 45.00% Rp (18,421,065) 56.00% Rp (28,736,862)
Rp (1,077,485) 9.27% Rp (1,177,326) 23.01% Rp (1,448,233)
Rp (1,251,260) 10.76% Rp (1,385,903) 27.09% Rp (1,761,302)
Rp (3,629,981) 31.22% Rp (4,763,155) 93.09% Rp (9,197,368)
Rp (50,208,908) 120.00% Rp (110,459,598) 150.00% Rp (276,148,994)
Rp (15,973,789) 55.00% Rp (24,759,372) 69.00% Rp (41,843,339)
Rp (83,728,278) 265.00% Rp (305,608,214) 298.00% Rp (1,216,320,690)

Rp (35,061,866) 95.00% Rp (68,370,639) 120.00% Rp (150,415,406)
Rp (24,045,246) 206.78% Rp (73,766,996) 220.00% Rp (236,054,387)
Rp 4,070,693 -35.01% Rp 2,645,661 -51.71% Rp 1,277,631
Rp (4,519,816) 38.87% Rp (6,276,644) 122.67% Rp (13,976,492)
Rp (45,216,927) 135.00% Rp (106,259,778) 167.00% Rp (283,713,608)
Rp (119,922) 1.03% Rp (121,159) 2.37% Rp (124,028)
Rp 4,685,647 -40.30% Rp 2,797,538 -54.68% Rp 1,267,934
Rp 3,953,440 -34.00% Rp 2,609,320 -51.00% Rp 1,278,615
Rp (2,046,858) 33.38% Rp (2,730,147) 110.94% Rp (5,759,001)
Rp 2,440,208 -39.80% Rp 1,469,065 -59.70% Rp 592,088
Forecasts
2021 Year + 2 2022 Year + 3 2023
Rp 59,007,081 17.77% Rp 69,491,506 25.02% Rp 86,879,602

Rp 4,068,367 1.23% Rp 4,118,207 1.48% Rp 4,179,274
Rp 5,399,742 1.63% Rp 5,487,539 1.98% Rp 5,595,968
-Rp 17,646,672 -5.31% -Rp 16,708,976 -6.02% -Rp 15,703,693

-Rp 917,758 -0.28% -Rp 915,222 -0.33% -Rp 912,206
-Rp 3,823,113 -1.15% -Rp 3,779,101 -1.36% -Rp 3,727,677
Rp 11,577,217 3.49% Rp 11,980,811 4.31% Rp 12,497,657
-Rp 21,556,605 -6.49% -Rp 20,157,350 -7.26% -Rp 18,694,312
-Rp 119,257 -0.04% -Rp 119,214 -0.04% -Rp 119,163
-Rp 1,538,401 -0.46% -Rp 1,531,274 -0.55% -Rp 1,522,832
Rp 26,761,326 8.06% Rp 28,917,837 10.41% Rp 31,928,903
Rp 61,211,927 18.43% Rp 76,784,762 27.65% Rp 100,401,520
-Rp 3,588,579 -9.89% -Rp 3,233,521 -15.38% -Rp 2,736,081

-Rp 6,110,831 -16.85% -Rp 5,081,262 -24.17% -Rp 3,852,884
-Rp 1,246,298 -3.44% -Rp 1,203,473 -5.73% -Rp 1,134,567
Rp 26,019 0.07% Rp 26,038 0.12% Rp 26,070
-Rp 10,919,689 -30.11% -Rp 9,492,218 -45.16% -Rp 7,697,462
-Rp 15,746,019 25.07% -Rp 19,694,149 38.70% -Rp 27,315,821

Rp - 0.00% Rp - 0.00% Rp -
Rp 504,191 -0.80% Rp 500,143 -0.98% Rp 495,227
-Rp 79,525 0.13% -Rp 79,626 0.16% -Rp 79,751
-Rp 190,786 0.30% -Rp 191,366 0.38% -Rp 192,086
Rp - 0.00% Rp - 0.00% Rp -
-Rp 4,025,129 6.41% -Rp 4,283,123 8.42% -Rp 4,643,616
-Rp 19,537,270 31.11% -Rp 23,748,122 46.67% -Rp 31,736,046
Year + 4 2024 Year + 5 2025
0.56% Rp 17,581,919 0.70% Rp 17,705,060

1.14% Rp 36,133,834 1.44% Rp 36,653,948
0.52% Rp 16,330,555 0.65% Rp 16,436,792
2.02% Rp 64,650,412 2.58% Rp 66,315,407
0.97% Rp 30,723,397 1.22% Rp 31,099,415
-0.01% -Rp 260,161 -0.01% -Rp 260,134
0.58% Rp 18,168,735 0.72% Rp 18,300,233
3.03% Rp 98,051,545 3.91% Rp 101,881,371
0.28% Rp 8,730,277 0.35% Rp 8,760,639
0.05% Rp 1,462,429 0.06% Rp 1,463,281
25.84% Rp 1,020,480,791 40.65% Rp 1,435,320,076
-1.38% -Rp 42,609,074 -1.70% -Rp 41,885,847
0.66% Rp 20,940,153 0.83% Rp 21,114,828
0.09% Rp 2,813,802 0.11% Rp 2,816,956
0.03% Rp 1,050,724 0.04% Rp 1,051,164
34.37% Rp 1,294,249,339 51.56% Rp 1,716,773,188
0.54% Rp 824,785 0.69% Rp 830,450

3.33% Rp 5,228,890 4.35% Rp 5,456,605
24.60% Rp 46,524,381 38.75% Rp 64,551,738
10.57% Rp 17,733,822 14.77% Rp 20,353,064
39.04% Rp 70,311,879 58.56% Rp 91,191,857
73.41% Rp 1,364,561,218 110.12% Rp 1,807,965,045
0.20% Rp 5,593,297 0.22% Rp 5,605,602

37.27% Rp 1,430,760,336 56.28% Rp 2,235,924,614
0.32% Rp 9,109,082 0.36% Rp 9,141,718
0.09% Rp 2,597,324 0.10% Rp 2,599,978
0.01% Rp 414,460 0.02% Rp 414,528
0.20% Rp 5,532,250 0.22% Rp 5,544,288
0.04% Rp 1,149,161 0.05% Rp 1,149,680
0.04% Rp 1,183,001 0.05% Rp 1,183,551
38.19% Rp 1,456,338,911 57.28% Rp 2,261,563,959
12.84% Rp 58,982,599 19.90% Rp 70,723,013
0.35% Rp 1,434,568 0.48% Rp 1,441,514
0.74% Rp 3,041,168 1.03% Rp 3,072,380
1.60% Rp 6,601,783 2.23% Rp 6,748,865
4.81% Rp 20,537,989 6.93% Rp 21,961,469
0.02% Rp 100,037 0.03% Rp 100,071
8.85% Rp 39,199,549 13.23% Rp 44,385,134
0.09% Rp 349,620 0.12% Rp 350,033
0.00% Rp - 0.00% Rp -
29.30% Rp 130,247,314 43.95% Rp 148,782,479
67.49% Rp 1,586,586,225 101.24% Rp 2,410,346,438
0.74% Rp 9,246,613 1.05% Rp 9,343,451

1.21% Rp 15,069,682 1.71% Rp 15,326,891
0.18% Rp 2,268,779 0.26% Rp 2,274,609
1.24% Rp 15,492,044 1.75% Rp 15,763,873
0.20% Rp 2,438,380 0.28% Rp 2,445,114
0.00% Rp 23,255 0.00% Rp 23,256
6.02% Rp 78,599,149 8.90% Rp 85,596,166
-0.01% -Rp 79,434 -0.01% -Rp 79,427
10.58% Rp 144,249,978 16.34% Rp 167,817,221
0.22% Rp 2,696,297 0.31% Rp 2,704,531
20.39% Rp 270,004,743 30.58% Rp 301,215,683

87.88% Rp 1,856,590,969 131.82% Rp 2,711,562,120
Year + 4 2024 Year + 5 2025

26.03% Rp 23,837,326 39.04% Rp 33,143,244
0.00% Rp - 0.00% Rp -
26.03% Rp 23,837,326 39.04% Rp 33,143,244
Rp - Rp -
98.00% Rp (86,692,760) 110.00% Rp (182,054,797)
70.00% Rp (48,852,666) 85.00% Rp (90,377,432)
86.65% Rp (2,703,058) 112.00% Rp (5,730,483)
105.38% Rp (3,617,283) 112.00% Rp (7,668,640)
550.26% Rp (59,806,982) 580.00% Rp (406,687,480)
170.00% Rp (745,602,284) 189.00% Rp (2,154,790,601)
80.00% Rp (75,318,011) 97.50% Rp (148,753,072)
300.00% Rp (4,865,282,761) 307.50% Rp (19,826,027,252)

135.00% Rp (353,476,205) 147.00% Rp (873,086,226)
245.00% Rp (814,387,634) 268.00% Rp (2,996,946,493)
-76.44% Rp 301,031 -114.94% Rp (44,988)
145.00% Rp (34,242,406) 163.00% Rp (90,057,527)
201.00% Rp (853,977,961) 230.00% Rp (2,818,127,270)
7.42% Rp (133,231) 50.87% Rp (201,009)
-75.86% Rp 306,102 -116.88% Rp (51,674)
-76.50% Rp 300,510 -114.75% Rp (44,313)
225.00% Rp (18,716,752) 289.50% Rp (72,901,749)
-89.54% Rp 61,906 -134.32% Rp (21,244)
Year + 4 2024 Year + 5 2025
35.89% Rp 118,057,746 52.77% Rp 180,357,971

1.73% Rp 4,251,421 1.90% Rp 4,332,213
2.31% Rp 5,725,318 2.56% Rp 5,871,839
-6.49% -Rp 14,685,059 -6.56% -Rp 13,721,115

-0.38% -Rp 908,769 -0.41% -Rp 905,077
-1.54% -Rp 3,670,280 -1.64% -Rp 3,610,066
5.16% Rp 13,142,823 5.87% Rp 13,914,931
-7.72% -Rp 17,250,756 -7.71% -Rp 15,920,556
-0.05% -Rp 119,105 -0.05% -Rp 119,041
-0.63% -Rp 1,513,253 -0.68% -Rp 1,503,017
13.19% Rp 36,139,877 16.15% Rp 41,978,010
41.47% Rp 139,169,963 62.21% Rp 210,676,091
-24.08% -Rp 2,077,275 -37.56% -Rp 1,296,953

-33.91% -Rp 2,546,497 -46.05% -Rp 1,373,837
-9.98% -Rp 1,021,285 -18.47% -Rp 832,668
0.23% Rp 26,130 0.47% Rp 26,254
-67.74% -Rp 5,618,926 -101.61% -Rp 3,477,206
60.25% -Rp 43,773,629 94.42% -Rp 85,106,850

0.00% Rp - 0.00% Rp -
-1.09% Rp 489,818 -1.06% Rp 484,642
0.18% -Rp 79,891 0.17% -Rp 80,029
0.42% -Rp 192,900 0.42% -Rp 193,702
0.00% Rp - 0.00% Rp -
10.24% -Rp 5,119,232 11.04% -Rp 5,684,538
70.00% -Rp 48,675,833 105.00% -Rp 90,580,477
Tahun 2016 Tahun 2017 Tahun 2018
Total Aset Rp 603,031,880 Rp 709,330,084 Rp 808,572,011
Total Aset Lancar Rp 572,877,813 Rp 674,540,183 Rp 768,265,130
Total Aset Tdk Lancar Rp 30,154,067 Rp 34,789,901 Rp 40,306,881
Total Liabilitas Rp 513,777,880 Rp 608,426,780 Rp 698,198,222
Total Liabilitas Jangka Pendek Rp 438,196,311 Rp 517,412,823 Rp 597,827,373
Total Liabilitas Jangka Panjang Rp 75,581,569 Rp 91,013,957 Rp 100,370,849
Total Ekuitas Rp 89,254,000 Rp 100,903,304 Rp 110,373,789
Perhitungan Growth :
1. Total Aset
Total
2016 Rp 603,031,880 Start Value
2017 Rp 709,330,084 End Value
2018 Rp 808,572,011
Compound Annual Growth Rate
2019 Rp 845,605,208
2020 Rp 891,337,425
2. Total Aset Lancar
Total
2016 Rp 572,877,813 Start Value
2017 Rp 674,540,183 End Value
2018 Rp 768,265,130
2019 Rp 805,407,068
2020 Rp 844,604,295
3. Total Aset Tdk Lancar
Total
2016 Rp 30,154,067 Start Value
2017 Rp 34,789,901 End Value
2018 Rp 40,306,881
2019 Rp 40,198,140
2020 Rp 46,733,130
4. Liabilitas
Total
2016 Rp 513,777,880 Start Value
2017 Rp 608,426,780 End Value
2018 Rp 698,198,222
2019 Rp 720,601,260
2020 Rp 778,465,226
5. Liabilitas jangka pendek
Total
2016 Rp 438,196,311 Start Value
2017 Rp 517,412,823 End Value
2018 Rp 597,827,373
2019 Rp 608,690,673
2020 Rp 672,989,696
6.Liabilitas jangka panjang
Total
2017 Rp 91,013,957 End Value
2018 Rp 100,370,849
2019 Rp 111,910,587
2020 Rp 105,475,530
7. Ekuitas
Total
2017 Rp 100,903,304 End Value
2018 Rp 110,373,789
2019 Rp 125,003,948
2020 Rp 112,872,199
Tahun 2019 Tahun 2020 Growth
Rp 845,605,208 Rp 891,337,425 10.25%
Rp 805,407,068 Rp 844,604,295 10.18%
Rp 40,198,140 Rp 46,733,130 11.57%
Rp 720,601,260 Rp 778,465,226 10.94%
Rp 608,690,673 Rp 672,989,696 11.31%
Rp 111,910,587 Rp 105,475,530 8.68%
Rp 125,003,948 Rp 112,872,199 6.04%
Amount Year
Rp 603,031,880 12/31/2016 Total Aset
Rp (891,337,425) 12/31/2020
pound Annual Growth Rate 10.25%
Rp1,000,000,000
Rp900,000,000
Rp800,000,000 Rp808,572,
Rp700,000,000 Rp709,330,084
Rp600,000,000 Rp603,031,880
Rp500,000,000
Rp400,000,000
Rp300,000,000
Amount Year Rp200,000,000
Rp100,000,000
Rp 572,877,813 12/31/2016 Rp-
Rp (844,604,295) 12/31/2020 1 2 3
Total
Aset Tidak Lanc
Amount Year
Rp 30,154,067 12/31/2016
Rp (46,733,130) 12/31/2020 Rp50,000,000
pound Annual Growth Rate 11.57% Rp40,000,000 Rp40,306,8
Rp34,789,901
Rp30,000,000 Rp30,154,067
Rp20,000,000
Rp10,000,000
Rp-
1 2 3
Amount Year
Rp 513,777,880 12/31/2016
Rp (778,465,226) 12/31/2020
Total Liabilitas Jangk
Rp800,000,000
Rp700,000,000
Total Liabilitas Jangk
Rp800,000,000
Rp 438,196,311 12/31/2016 Rp600,000,000 Rp597,827,3
Rp500,000,000 Rp517,412,823
Rp (672,989,696) 12/31/2020 Rp438,196,311
Rp400,000,000
pound Annual Growth Rate 11.31% Rp300,000,000
Rp200,000,000
Rp100,000,000
Rp-
1 2 3
Amount Year
Rp 75,581,569 12/31/2016
Rp (105,475,530) 12/31/2020
Total Ekuitas
Rp140,000,000
Rp120,000,000
Rp110,373,7
Rp100,000,000 Rp100,903,304
Rp89,254,000
Rp 89,254,000 12/31/2016
Rp60,000,000
Rp (112,872,199) 12/31/2020
Rp40,000,000
Rp20,000,000
Rp-
1 2 3
Total Aset Total As
Rp900,000,000
Rp845,605,208 Rp891,337,425 Rp800,000,000
Rp808,572,011
Rp700,000,000 Rp674,540,183
Rp709,330,084
p603,031,880 Rp600,000,000 Rp572,877,813
Rp500,000,000
Rp400,000,000
Rp300,000,000
Rp200,000,000
Rp100,000,000
1 2 3 4 5 Rp-
1 2
Total
Aset Tidak Lancar Total L
Rp900,000,000
Rp800,000,000
Rp46,733,130 Rp700,000,000
Rp40,306,881 Rp40,198,140
Rp34,789,901 Rp600,000,000 Rp608,426,780
0,154,067 Rp500,000,000 Rp513,777,880
Rp400,000,000
Rp300,000,000
Rp200,000,000
Rp100,000,000
1 2 3 4 5
Rp-
1 2
Total Liabilitas Jangka Pendek Total Liabilita
Rp120,000,000
Rp672,989,696
Rp100,000,000
Total Liabilitas Jangka Pendek Total Liabilita
Rp120,000,000
Rp672,989,696
Rp100,000,000
Rp597,827,373 Rp608,690,673 Rp91,013,957
Rp517,412,823 Rp80,000,000 Rp75,581,569
438,196,311
Rp60,000,000
Rp40,000,000
Rp20,000,000
Rp-
1 2
1 2 3 4 5
Total Ekuitas
Rp125,003,948
Rp110,373,789 Rp112,872,199
Rp100,903,304
89,254,000
1 2 3 4 5
Total Aset Lancar
Rp805,407,068 Rp844,604,295
Rp768,265,130
Rp674,540,183
72,877,813
1 2 3 4 5
Total Liabilitas
Rp778,465,226
Rp698,198,222 Rp720,601,260
Rp608,426,780
13,777,880
1 2 3 4 5
Total Liabilitas Jangka Panjang
Rp111,910,587
Rp100,370,849 Rp105,475,530
Total Liabilitas Jangka Panjang
Rp111,910,587
Rp100,370,849 Rp105,475,530
Rp91,013,957
p75,581,569
1 2 3 4 5
Analyzing Long-Term Solvency Risk
Debt Ratio
1. Liabilities to assets ratio Total Liabilities
=
Total Assets
2016
Total Liabilities Rp 513,777,880
Total Assets Rp 603,031,880
Liabilities to assets ratio 0.85
2. Liabilities to shareholders' Total Liabilities

equity ratio =
Total shareholders' equity
2016
Total Liabilities Rp 513,777,880
Total shareholders' equity Rp 89,254,000
Liabilities to shareholders' equity ratio 5.76
3. Long-Term Debt to Long- Long-Term Debt

Term Capital Ratio =
Long-Term Debt + Total shareholders'
2016
Long-Term Debt Rp 75,581,569
Long-Term Debt + Total shareholders' equity Rp 164,835,569
Long-Term Debt to Long-Term Capital Ratio
0.46
4. Long-Term Debt to Long-Term Debt

shareholders' equity ratio =
2016
Long-Term Debt Rp 75,581,569
Total shareholders' equity Rp 89,254,000
Long-Term Debt to shareholders' equity ratio 0.85
Interest Coverage Ratio
1. Interest Coverage Ratio

(Net Income Basis) Net Income + Interest Expense + Income Ta
+ Net Income Attributable to Noncontrolling
(Net Income Basis) Net Income + Interest Expense + Income Ta
+ Net Income Attributable to Noncontrolling
Interest Expense
2016
Rp 28,076,282
Net Income + Interest Expense + Income Tax
Expense + Net Income Attributable to Noncontrolling
Interests
Interest Expense Rp 13,773,377
Interest Coverage Ratio (Net Income Basis) 2.04

(Cash Flow Basis) = Cash Flow From Operations + Payments for
Income Taxes
Cash Payments for Interest
2016
Cash Flow From Operations + Payments for Interest Rp 48,374,238
and Income Taxes
Cash Payments for Interest Rp 13,773,377
Interest Coverage Ratio (Cash Flow Basis) 3.51
Operating Cash Flow To Total

Liabilities Ratio
Operating Cash Flow To Total Cash Flow From Operations

=
Liabilities Ratio Average Total Liabilities
2016
Rp 31,708,152
Cash Flow From Operations
Average Total Liabilities Rp 463,252,779
Operating Cash Flow To Total Liabilities Ratio 0.07
ency Risk
2017 2018 2019 2020

Rp 608,426,780 Rp 698,198,222 Rp 720,601,260 Rp 778,465,226
Rp 709,330,084 Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
0.86 0.86 0.85 0.87
2017 2018 2019 2020

Rp 608,426,780 Rp 698,198,222 Rp 720,601,260 Rp 778,465,226
Rp 100,903,304 Rp 110,373,789 Rp 125,003,948 Rp 112,872,199
6.03 6.33 5.76 6.90
Long-Term Debt
m Debt + Total shareholders' equity
2017 2018 2019 2020

Rp 91,013,957 Rp 100,370,849 Rp 111,910,587 Rp 105,475,530
Rp 191,917,261 Rp 210,744,638 Rp 236,914,535 Rp 218,347,729
0.47 0.48 0.47 0.48
Long-Term Debt
2017 2018 2019 2020

Rp 91,013,957 Rp 100,370,849 Rp 111,910,587 Rp 105,475,530
Rp 100,903,304 Rp 110,373,789 Rp 125,003,948 Rp 112,872,199
0.90 0.91 0.90 0.93
nterest Expense + Income Tax Expense

Attributable to Noncontrolling Interests
nterest Expense + Income Tax Expense
Attributable to Noncontrolling Interests
Interest Expense
2017 2018 2019 2020

Rp 33,405,473 Rp 38,513,013 Rp 41,299,105 Rp 24,133,058
Rp 16,240,086 Rp 18,692,298 Rp 21,929,999 Rp 19,020,905

2.06 2.06 1.88 1.27
Operations + Payments for Interest and

Income Taxes
ash Payments for Interest
2017 2018 2019 2020

Rp 62,117,451 Rp 74,181,404 Rp 81,994,078 Rp 71,236,184
Rp 16,240,086 Rp 18,692,298 Rp 21,929,999 Rp 19,020,905

3.82 3.97 3.74 3.75
ash Flow From Operations

Average Total Liabilities
2017 2018 2019 2020

Rp 42,482,570 Rp 50,760,154 Rp 56,203,556 Rp 50,424,568
Rp 561,102,330 Rp 653,312,501 Rp 709,399,741 Rp 749,533,243
0.08 0.08 0.08 0.07
2016 2017
Cash Flow From Operations Rp 31,708,152 Rp 42,482,570
Beban Bunga Rp 13,773,377 Rp 16,240,086

Beban Pajak Rp 2,892,709 Rp 3,394,795
Total Rp 48,374,238 Rp 62,117,451
2015 2016
Liabilities Rp 412,727,677 Rp 513,777,880
2018 2019 2020
Rp 50,760,154 Rp 56,203,556 Rp 50,424,568
Rp 18,692,298 Rp 21,929,999 Rp 19,020,905

Rp 4,728,952 Rp 3,860,523 Rp 1,790,711
Rp 74,181,404 Rp 81,994,078 Rp 71,236,184
2017 2018 2019 2020

Rp 608,426,780 Rp 698,198,222 Rp 720,601,260 Rp 778,465,226
PROFITABILITY ANALYSIS PT BANK NEGARA INDONESIA TBK
Analysis of the Profit Margin for PT Bank Negara Indonesia Tbk: 2016-2020
Total net revenues

Cost of sales including occupancy cost
Salaries expenses
General and administrative expenses
Promotion expenses
Deposit insurance premium
Other operating expenses
Other income/(expenses), net
Interest expenses
Income tax expense/(benefit)
Margin laba untuk ROA dari tahun 2016 - 2020 mengalami penurunan
Total net revenues

Cost of sales including occupancy cost
Salaries expenses
General and administrative expenses
Promotion expenses
Deposit insurance premium
Other operating expenses
Other income/(expenses), net
Interest expenses
Income tax expense/(benefit)
Profit margin for ROA
1. Salaries expense pada tahun 2016 - 2018 mengalami penurunan, sedangkan pada tahun 2019 mengalam
2. General and administrative expenses pada tahun 2016 - 2017 mengalami kenaikan, sedangkan pada tah
3. Promotion expenses pada tahun 2016 - 2018 mengalami kenaikan, sedangkan pada tahun 2019 - 2020 m
4. Deposit insurance premium pada tahun 2016 - 2017 mengalami kenaikan, sedangkan pada tahun 2018 m
5. Other operating expense pada tahun 2016 - 2018 mengalami penurunan, sedangkan pada tahun 2019 -2
6. Other income/(expenses), net pada tahun 2016 - 2018 mengalami kenaikan, sedangkan pada tahun 2019
7. Interest expenses pada tahun 2016 - 2019 mengalami kenaikan, sedangkan pada tahun 2020 mengalami
8. Income tax expense/(benefit) pada tahun 2016 -2018 mengalami kenaikan, sedangkan pada tahun 2019
ANALYSIS ROA, PROFIT MARGIN, DAN TOTAL ASSET
Return on Assets
Return on Assets EBIT

Total Aset
2016
EBIT Rp 14,302,905
Total Aset Rp 603,031,880
Return on Assets 2.37%
Total asset turnover
Total asset turnover Pendapatan

Total Aset
2016
Pendapatan Rp 29,995,062
Total Aset Rp 603,031,880
Total asset turnover 0.05
ANALYSIS ROA, PROFIT MARGIN, DAN TOTAL ASSET

PT BANK NEGARA INDONESIA Tbk
2016
ROA 2.37%
Profit Margin for ROA 58.91%
Assets Turnover 0.05
1. ROA tertinggi pada tahun 2018 sebesar 2,45% dari total asset yang dioperasikan sebesar Rp. 808
2. Profit margin pada tahun 2017 mengalami penurunan yang berarti bahwa pada tahun tersebut p
3. Assets Turnover tahun 2018 mengalami penurunan yang berarti bahwa pada tahun tersebut perusa
ANALYSIS RECEIVABLE TURNOVER
Receivable turnover
Receivable turnover Pendapatan

Kredit yang diberikan
2016
Pendapatan Rp 29,995,062
Kredit yang diberikan Rp 393,275,392
Receivable turnover 0.08
Perubahan dalam perputaran piutang berkaitan dengan perpanjang

2016 = 0,08 (4786 hari) Perputaran piutang relative stabil. Tapi perputaran piutang tidak d
2017 = 0,07 (5044 hari)
2018 = 0,07 (5280 hari)
2019 = 0,07 (5552 hari)
2020 = 0,06 (5759 hari)
FIXED ASSETS TURNOVER
Fixed Assets Turnover
Fixed assets turnover Revenues

Average Fixed Assets
2016
Revenues Rp 29,995,062
Average Fixed Assets Rp 7,538,517
Fixed assets turnover 3.98
Mengukur hubungan antara pendapatan dan investasi dalam prope

2016 = 3,98 (92 hari)
2017 = 3,67 (99 hari)
2018 = 3,52 (104 hari)
2019 = 3,64 (100 hari)
2020 = 3,18 (115 hari)
CASH TURNOVER
Cash Turnover
Cash Turnover Revenues

Average Cash and Cash Equivalent
2016
Average Cash and Cash Equivalent Rp 27,998,477
Cash Turnover 1.07
Mengukur tingkat kas dan efisiensi pengelolaan kas dalam perusah

2016 = 1,07 (341 hari)
2017 = 1,23 (296 hari)
2018 = 1,05 (347 hari)
2019 = 0,93 (391 hari)
2020 = 0,77 (471 hari)
CURRENT ASSETS TURNOVER

Current Assets Turnover
Current Assets Turnover Revenues

Average Current Assets
2016
Average Current Assets Rp 38,191,854
Current Assets Turnover 0.79
Matrik keseluruhan untuk efesiansi dimana semua aset saat ini dik
2016 = 0,79 (465 hari)
2017 = 0,71 (514 hari)
2018 = 0,69 (527 hari)
2019 = 0,68 (535 hari)
2020 = 0,66 (553 hari)
ONESIA TBK
esia Tbk: 2016-2020
2016 2017 2018

Rp 29,995,062 Rp 31,937,763 Rp 35,446,315
Rp - Rp - Rp -
-Rp 8,833,954 -Rp 9,277,196 -Rp 9,518,738
-Rp 6,211,925 -Rp 6,922,572 -Rp 7,667,065
-Rp 945,652 -Rp 1,038,713 -Rp 1,290,553
-Rp 729,374 -Rp 877,307 -Rp 970,733
-Rp 2,495,938 -Rp 2,280,604 -Rp 2,335,872
Rp 23,557,065 Rp 26,521,720 Rp 29,991,077
-Rp 13,773,377 -Rp 16,240,086 -Rp 18,692,298
-Rp 2,892,709 -Rp 3,394,795 -Rp 4,728,952
alami penurunan
2016 2017 2018
100.00% 100.00% 100.00%
0% 0% 0%
-29.45% -29.05% -26.85%
-20.71% -21.68% -21.63%
-3.15% -3.25% -3.64%
-2.43% -2.75% -2.74%
-8.32% -7.14% -6.59%
78.54% 83.04% 84.61%
-45.92% -50.85% -52.73%
-9.64% -10.63% -13.34%
58.91% 57.70% 57.08%
urunan, sedangkan pada tahun 2019 mengalami kenaikan dan pada tahun 2020 mengalami penurunan kembali
017 mengalami kenaikan, sedangkan pada tahun 2018 mengalami penurunan dan pada tahun 2019-2020 mengalami kenaikan
kenaikan, sedangkan pada tahun 2019 - 2020 mengalami penurunan
galami kenaikan, sedangkan pada tahun 2018 mengalami penurunan dan pada tahun 2019 - 2020 mengalami kenaikan kemba
ami penurunan, sedangkan pada tahun 2019 -2020 mengalami kenaikan
ngalami kenaikan, sedangkan pada tahun 2019 - 2020 mengalami penurunan
aikan, sedangkan pada tahun 2020 mengalami penurunan
galami kenaikan, sedangkan pada tahun 2019 - 2020 mengalami penurunan
, PROFIT MARGIN, DAN TOTAL ASSETS TURNOVER
X 100%
2017 2018 2019 2020
Rp 17,165,387 Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp 709,330,084 Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
2.42% 2.45% 2.29% 0.57%
Pendapatan
Total Aset
2017 2018 2019 2020

Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 709,330,084 Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
0.05 0.04 0.04 0.04
, PROFIT MARGIN, DAN TOTAL ASSETS TURNOVER

2017 2018 2019 2020
2.42% 2.45% 2.29% 0.57%
57.70% 57.08% 44.99% 21.64%
0.05 0.04 0.04 0.04
tal asset yang dioperasikan sebesar Rp. 808.572.011. Perusahaan mampu menghasilkan laba bersih sebesar Rp. 19.82
n yang berarti bahwa pada tahun tersebut perusahaan mengalami kinerja operasi yang lebih buruk dari tahun sebelu
g berarti bahwa pada tahun tersebut perusahaan mempunyai manajemen asset yang lebih buruk dari tahun sebelumnya
ANALYSIS RECEIVABLE TURNOVER
Pendapatan
edit yang diberikan
2017 2018 2019 2020

Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 441,313,566 Rp 512,778,497 Rp 556,770,947 Rp 586,206,787
0.07 0.07 0.07 0.06
rputaran piutang berkaitan dengan perpanjangan kredit perusahaan

elative stabil. Tapi perputaran piutang tidak dapat menjelaskan perubahan total perubahan asset.
FIXED ASSETS TURNOVER
Revenues
verage Fixed Assets
2017 2018 2019 2020

Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 8,697,475 Rp 10,076,720 Rp 10,049,535 Rp 11,683,283
3.67 3.52 3.64 3.18
n antara pendapatan dan investasi dalam properti, pabrik, dan peralatan.
CASH TURNOVER
Revenues
Cash and Cash Equivalent
2017 2018 2019 2020

Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 25,874,033 Rp 33,706,069 Rp 39,250,108 Rp 47,988,677
1.23 1.05 0.93 0.77
as dan efisiensi pengelolaan kas dalam perusahaan.
CURRENT ASSETS TURNOVER

Revenues
rage Current Assets
2017 2018 2019 2020

Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 44,969,346 Rp 51,217,675 Rp 53,693,805 Rp 56,306,953
0.71 0.69 0.68 0.66
untuk efesiansi dimana semua aset saat ini dikelola (bukan secara individual)
2019 2020
Rp 36,602,374 Rp 37,151,966
Rp - Rp -
-Rp 10,186,127 -Rp 9,750,781
-Rp 8,258,709 -Rp 9,062,677
-Rp 1,312,056 -Rp 1,030,410
-Rp 1,110,996 -Rp 1,188,620
-Rp 2,819,011 -Rp 3,181,268
Rp 29,343,607 Rp 15,913,328
-Rp 21,929,999 -Rp 19,020,905
-Rp 3,860,523 -Rp 1,790,711
2019 2020
100.00% 100.00%
0% 0%
-27.83% -26.25%
-22.56% -24.39%
-3.58% -2.77%
-3.04% -3.20%
-7.70% -8.56%
80.17% 42.83%
-59.91% -51.20%
-10.55% -4.82%
44.99% 21.64%
penurunan kembali
un 2019-2020 mengalami kenaikan kembali
2020 mengalami kenaikan kembali

kan laba bersih sebesar Rp. 19.820.715 artinya setiap Rp. 1 total asset turut berkontribusi menciptakan Rp. 0,02 laba
ng lebih buruk dari tahun sebelumnya
bih buruk dari tahun sebelumnya
ptakan Rp. 0,02 laba bersih.
1) Current Ratio
Asset Lancar
Current Ratio
Hutang Lancar
2016 2017
Asset Lancar 572,877,813 674,540,183
Hutang Lancar 438,196,311 517,412,823
Current Ratio 1.31 1.30
2) Cash Ratio
Kas + Surat Berharga

Cash Ratio
Hutang Lancar
2016 2017
Kas 11,167,643 11,577,664
Surat Berharga 0 0
Hutang Lancar 438,196,311 517,412,823
Cash Ratio 0.03 0.02
3) Quick Ratio
Asset Lancar - Persediaan

Quick Ratio
Hutang Lancar
2016 2017
Asset Lancar 572,877,813 674,540,183
Persediaan 0 0
Hutang Lancar 438,196,311 517,412,823
Quick Ratio 1.31 1.30
4) Working Capital to total asset ratio
Working Capital to total asset ratio Asset Lancar - Hutang Lancar

Asset
2016 2017
Asset Lancar 572,877,813 674,540,183
Hutang Lancar 438,196,311 517,412,823
Asset 603,031,880 709,330,084
Working Capital to total asset ratio 0.22 0.22
Lancar
Lancar
2018 2019 2020

768,265,130 805,407,068 844,604,295
597,827,373 608,690,673 672,989,696
1.29 1.32 1.26
2018 2019 2020

14,043,846 15,361,703 17,324,047
0 0 0
597,827,373 608,690,673 672,989,696
0.02 0.03 0.03
2018 2019 2020

768,265,130 805,407,068 844,604,295
0 0 0
597,827,373 608,690,673 672,989,696
1.29 1.32 1.26
et Lancar - Hutang Lancar

Asset
2018 2019 2020

768,265,130 805,407,068 844,604,295
597,827,373 608,690,673 672,989,696
808,572,011 845,605,208 891,337,425
0.21 0.23 0.19
1) Total Debt to total assets ratio
Total Debt to total assets ratio Total Hutang

Total Asset
2016 2017 2018

Total Hutang 513,777,880 608,426,780 698,198,222
Total Assets 603,031,880 709,330,084 808,572,011
Total Debt to total assets ratio 0.85 0.86 0.86
2) Total Debt to Equity Ratio
Total Debt to Equity Ratio Total Hutang

Modal Sendiri
2016 2017 2018

Total Hutang 513,777,880 608,426,780 698,198,222
Modal Sendiri 9,054,807 9,054,807 9,054,807
Total Debt to Equity Ratio 56.74 67.19 77.11
3) Long Term debt to equity ratio
Long Term debt to equity ratio Hutang Jangka Panjang

Modal Sendiri
2016 2017 2018

Hutang Jangka Panjang 75,581,569 91,013,957 100,370,849
Modal Sendiri 9,054,807 9,054,807 9,054,807
Long Term debt to equity ratio 8.35 10.05 11.08
4) Time Interest earned ratio
Time Interest earned ratio EBIT

Beban Bunga
2016 2017 2018

EBIT 14,302,905 17,165,387 19,820,715
Bunga 13,773,377 16,240,086 18,692,298
Time Interest earned ratio 1.04 1.06 1.06
2019 2020
720,601,260 778,465,226
845,605,208 891,337,425
0.85 0.87
2019 2020
720,601,260 778,465,226
9,054,807 9,054,807
79.58 85.97
2019 2020
111,910,587 105,475,530
9,054,807 9,054,807
12.36 11.65
2019 2020
19,369,106 5,112,153
21,929,999 19,020,905
0.88 0.27
1) Total asset turnover
Total asset turnover Pendapatan

Total Aset
2016 2017
Pendapatan Rp 29,995,062 Rp 31,937,763
Total Aset Rp 603,031,880 Rp 709,330,084
Total asset turnover 0.05 0.05
2) Receivable turnover
Receivable turnover Pendapatan

Kredit yang diberikan
2016 2017
Pendapatan Rp 29,995,062 Rp 31,937,763
Kredit yang diberikan Rp 393,275,392 Rp 441,313,566
Receivable turnover 0.08 0.07
3) Average collection period
Average collection period 365 Hari

Receivable turnover
2016 2017
Jumlah Hari dalam 1 tahun 365 365
Receivable turnover 0.08 0.07
4786 5044
Average Collection Periode
hari hari
4) Working capital turover
Working capital turover

Pendapatan
Aset Lancar - Utang Lancar
2016 2017
Pendapatan Rp 29,995,062 Rp 31,937,763
Aset Lancar Rp 572,877,813 Rp 674,540,183
Utang Lancar Rp 438,196,311 Rp 517,412,823
Working capital turover 0.22 0.20
2018 2019 2020
Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
0.04 0.04 0.04
2018 2019 2020

Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787
0.07 0.07 0.06
2018 2019 2020

365 365 365
0.07 0.07 0.06
5280 5552 5759
hari hari hari
2018 2019 2020

Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696
0.21 0.19 0.22
1) Gross profit margin
Gross profit margin Laba Kotor

Pendapatan
2016 2017
Laba Kotor Rp 9,962,683 Rp 11,040,059
Pendapatan Rp 29,995,062 Rp 31,937,763
Gross profit margin 33% 35%
2) Profit margin
Profit margin
EBIT
Pendapatan
2016 2017
EBIT Rp 14,302,905 Rp 17,165,387
Pendapatan Rp 29,995,062 Rp 31,937,763
Profit margin 48% 54%
3) Net profit margin
Net profit margin Laba Bersih

Pendapatan
2016 2017
Laba Bersih Rp 11,410,196 Rp 13,770,592
Pendapatan Rp 29,995,062 Rp 31,937,763
Net profit margin 38% 43%
4) Operating income ratio
Operating income ratio Pendapatan-HPP-Biaya Operasional

Pendapatan
2016 2017
Pendapatan Rp 29,995,062 Rp 31,937,763
Beban Pokok Pendapatan Rp - Rp -
Biaya Operasional Rp 19,216,843 Rp 20,396,392
Operating income ratio 164% 164%
5) Return on Assets
Return on Assets EBIT

X 100%
Total Aset
2016 2017
EBIT Rp 14,302,905 Rp 17,165,387
Total Aset Rp 603,031,880 Rp 709,330,084
Return on Assets 2.37% 2.42%
Laba Bersih
X 100%
Total Ekuitas
2016 2017
Laba Bersih Rp 11,410,196 Rp 13,770,592
Total Ekuitas Rp 89,254,000 Rp 100,903,304
Return On Equity 13% 14%
Laba Bersih
X 100%
Total Aset
2016 2017
Laba Bersih Rp 11,410,196 Rp 13,770,592
Total Aset Rp 603,031,880 Rp 709,330,084
Return On Invesment 1.89% 1.94%
X 100%
2018 2019 2020

Rp 11,612,599 Rp 13,712,398 Rp 13,412,581
Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
33% 37% 36%
X 100%
2018 2019 2020

Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
56% 53% 14%
X 100%
2018 2019 2020

Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
43% 42% 9%
X 100%
2018 2019 2020

Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp - Rp - Rp -
Rp 21,782,961 Rp 23,686,899 Rp 24,213,756
161% 165% 165%
2018 2019 2020

Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
2.45% 2.29% 0.57%
2018 2019 2020

Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199
14% 12% 3%
2018 2019 2020

Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
1.87% 1.83% 0.37%
LAPORAN POSISI KEUANGAN KONSOLIDASI
Untuk Tahun yang Berakhir Pada Tanggal 31 Desember
(Disajikan dalam Jutaan Rupiah)
2016 2017
Jumlah Jumlah
ASET
Aset Lancar
Kas Rp 11,167,643 Rp 11,577,664
Efek-efek Rp 23,855,857 Rp 36,358,994
Aset Tidak Lancar

Aset tetap Rp 21,972,223 Rp 22,804,689
JUMLAH ASET Rp 603,031,880 Rp 709,330,084
LIABILITAS

EKUITAS
Modal Saham Rp 9,054,807 Rp 9,054,807
Saldo laba Rp 50,798,322 Rp 60,313,505

DONESIA Tbk
GAN KONSOLIDASI
da Tanggal 31 Desember
taan Rupiah)
2018 2019 2020

Jumlah Kumulatif
Jumlah Jumlah Jumlah
Rp 14,043,846 Rp 15,361,703 Rp 17,324,047 Rp 69,474,903

Rp 35,591,243 Rp 37,104,091 Rp 35,065,701 Rp 170,608,605
Rp 13,133,828 Rp 14,962,793 Rp 16,107,788 Rp 71,837,578
Rp 39,324,445 Rp 47,776,809 Rp 61,329,259 Rp 210,684,919
Rp 32,362,407 Rp 27,446,870 Rp 29,946,816 Rp 149,970,944
-Rp 318,137 -Rp 285,119 -Rp 260,219 -Rp 1,263,677
Rp 24,586,862 Rp 19,207,603 Rp 17,893,534 Rp 85,956,719
Rp 86,791,402 Rp 81,029,020 Rp 90,659,318 Rp 401,335,531
Rp - Rp 411,442 Rp 8,666,091 Rp 11,421,405
Rp 605,248 Rp 312,266 Rp 1,460,614 Rp 2,844,876
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787 Rp 2,490,345,189
-Rp 14,891,609 -Rp 16,908,871 -Rp 44,227,986 -Rp 107,232,916
Rp 20,295,277 Rp 18,558,276 Rp 20,575,666 Rp 92,260,025
Rp 2,337,403 Rp 2,609,259 Rp 2,807,092 Rp 12,483,161
Rp 1,624,418 Rp 1,049,979 Rp 1,049,787 Rp 4,967,227
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295 Rp 3,665,694,489
Rp 603,923 Rp 523,103 Rp 813,087 Rp 2,710,705

Rp 1,676,366 Rp 1,349,343 Rp 4,799,832 Rp 10,047,952
Rp 26,126,508 Rp 26,524,759 Rp 27,362,400 Rp 124,790,579
Rp 11,900,084 Rp 11,800,935 Rp 13,757,811 Rp 54,632,883
Rp 40,306,881 Rp 40,198,140 Rp 46,733,130 Rp 192,182,119
Rp -
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 Rp 3,857,876,608
Rp 4,160,295 Rp 5,272,805 Rp 5,560,702 Rp 23,137,017

Rp 552,172,202 Rp 582,540,625 Rp 647,571,744 Rp 2,690,485,603
Rp 13,874,495 Rp 11,584,276 Rp 9,023,031 Rp 55,951,191
Rp 21,524,329 Rp 2,183,403 Rp 2,590,268 Rp 32,453,027
Rp 322,028 Rp 203,054 Rp 414,280 Rp 1,464,052
Rp 4,416,613 Rp 5,341,440 Rp 5,500,360 Rp 24,124,281
Rp 481,064 Rp 567,811 Rp 1,147,777 Rp 2,427,847
Rp 876,347 Rp 997,259 Rp 1,181,534 Rp 5,073,858
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696 Rp 2,835,116,876
Rp 52,024,506 Rp 57,235,500 Rp 44,114,314 Rp 231,010,483

Rp 177,519 Rp 185,019 Rp 1,421,914 Rp 2,132,977
Rp 2,987,464 Rp 2,985,052 Rp 2,985,011 Rp 18,674,921
Rp 3,512,266 Rp 4,392,277 Rp 6,344,268 Rp 21,845,868
Rp 14,608,465 Rp 14,900,956 Rp 18,280,485 Rp 73,669,576
Rp 99,953 Rp 99,965 Rp 99,975 Rp 299,893
Rp 26,602,572 Rp 31,770,347 Rp 31,880,701 Rp 133,695,483
Rp 358,104 Rp 341,471 Rp 348,862 Rp 2,031,291
Rp - Rp - Rp - Rp 992,000
Rp 100,370,849 Rp 111,910,587 Rp 105,475,530 Rp 484,352,492
Rp 698,198,222 Rp 720,601,260 Rp 778,465,226 Rp 3,319,469,368
Rp 9,054,807 Rp 9,054,807 Rp 9,054,807 Rp 45,274,035

Rp 14,568,468 Rp 14,568,468 Rp 14,568,468 Rp 72,842,340
Rp 2,256,999 Rp 2,256,999 Rp 2,256,999 Rp 11,284,995
Rp 14,978,731 Rp 14,946,879 Rp 14,962,961 Rp 69,457,186
-Rp 3,913,839 -Rp 822,278 Rp 2,424,779 -Rp 4,177,575
Rp 84,886 Rp 47,199 Rp 23,254 Rp 330,209
Rp 71,046,832 Rp 79,685,093 Rp 66,980,701 Rp 328,824,453
Rp - Rp - -Rp 79,449 -Rp 79,449
Rp 108,076,884 Rp 122,515,579 Rp 110,192,520 Rp 526,534,606
Rp 2,296,905 Rp 2,488,369 Rp 2,679,679 Rp 11,872,634
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199 Rp 538,407,240

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 Rp 3,857,876,608
Rata-Rata per Tahun
Rp 13,894,981
Rp 34,121,721
Rp 14,367,516
Rp 42,136,984
Rp 29,994,189
-Rp 252,735
Rp 17,191,344
Rp 80,267,106
Rp 2,284,281
Rp 568,975
Rp 498,069,038
-Rp 21,446,583
Rp 18,452,005
Rp 2,496,632
Rp 993,445
Rp 733,138,898
Rp 542,141
Rp 2,009,590
Rp 24,958,116
Rp 10,926,577
Rp 38,436,424
Rp -
Rp 771,575,322
Rp 4,627,403
Rp 538,097,121
Rp 11,190,238
Rp 6,490,605
Rp 292,810
Rp 4,824,856
Rp 485,569
Rp 1,014,772
Rp 567,023,375
Rp -
Rp -
Rp 46,202,097
Rp 426,595
Rp 3,734,984
Rp 4,369,174
Rp 14,733,915
Rp 59,979
Rp 26,739,097
Rp 406,258
Rp 198,400
Rp 96,870,498
Rp 663,893,874
Rp 9,054,807
Rp 14,568,468
Rp 2,256,999
Rp 13,891,437
-Rp 835,515
Rp 66,042
Rp 65,764,891
-Rp 15,890
Rp 105,306,921
Rp 2,374,527
Rp 107,681,448
Rp 771,575,322
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREH
Untuk Tahun yang Berakhir Pada Tanggal 31 D
31 Des 2016
Jumlah
PENDAPATAN Rp 9,962,683
BEBAN POKOK PENJUALAN Rp -
LABA KOTOR Rp 9,962,683
Beban Gaji dan Tunjangan Rp (8,833,954)
Beban Administrasi dan Umum Rp (6,211,925)
Beban Promosi Rp (945,652)
Premi Penjaminan Simpanan Rp (729,374)
Beban Lain-Lain Rp (2,495,938)
TOTAL BEBAN USAHA Rp (19,216,843)
LABA USAHA Rp (9,254,160)
Pendapatan bunga Rp 43,768,439
Pendapatan Premi Rp 5,596,823
Beban bunga Rp (13,773,377)
Beban klaim Rp (4,255,262)
Cadangan kerugian penurunan nilai Rp (7,853,131)
Pendapatan bukan operasional Rp 73,573
PENGHASILAN (BEBAN) LAIN-LAIN BERSIH Rp 23,557,065
LABA SEBELUM PAJAK Rp 14,302,905
Beban Pajak Rp (2,892,709)
LABA BERSIH Rp 11,410,196
NEGARA INDONESIA Tbk
N PENGHASILAN KOMPREHENSIF LAINNYA
Berakhir Pada Tanggal 31 Desember
an dalam Jutaan Rupiah)
31 Des 2017 31 Des 2018 31 Des 2019 31 Des 2020

Jumlah Jumlah Jumlah Jumlah
Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581

Rp - Rp - Rp - Rp -
Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581
Rp (9,277,196) Rp (9,518,738) Rp (10,186,127) Rp (9,750,781)

Rp (6,922,572) Rp (7,667,065) Rp (8,258,709) Rp (9,062,677)
Rp (1,038,713) Rp (1,290,553) Rp (1,312,056) Rp (1,030,410)
Rp (877,307) Rp (970,733) Rp (1,110,996) Rp (1,188,620)
Rp (2,280,604) Rp (2,335,872) Rp (2,819,011) Rp (3,181,268)
Rp (20,396,392) Rp (21,782,961) Rp (23,686,899) Rp (24,213,756)
Rp (9,356,333) Rp (10,170,362) Rp (9,974,501) Rp (10,801,175)
Rp 48,177,849 Rp 54,138,613 Rp 58,532,373 Rp 56,172,871

Rp 6,871,380 Rp 5,997,417 Rp 6,158,192 Rp 5,330,499
Rp (16,240,086) Rp (18,692,298) Rp (21,929,999) Rp (19,020,905)
Rp (5,103,812) Rp (4,285,560) Rp (4,461,264) Rp (3,859,411)
Rp (7,126,335) Rp (7,388,411) Rp (8,838,178) Rp (22,590,435)
Rp (57,276) Rp 221,316 Rp (117,517) Rp (119,291)
Rp 26,521,720 Rp 29,991,077 Rp 29,343,607 Rp 15,913,328
Rp 17,165,387 Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp (3,394,795) Rp (4,728,952) Rp (3,860,523) Rp (1,790,711)
Rp 13,770,592 Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
Jumlah Kumulatif Rata-Rata perTahun
Rp 59,740,320 Rp 11,948,064
Rp - Rp -
Rp 59,740,320 Rp 11,948,064
-Rp 47,566,796 -Rp 9,513,359

-Rp 38,122,948 -Rp 7,624,590
-Rp 5,617,384 -Rp 1,123,477
-Rp 4,877,030 -Rp 975,406
-Rp 13,112,693 -Rp 2,622,539
-Rp 109,296,851 -Rp 21,859,370
-Rp 49,556,531 -Rp 9,911,306
Rp 260,790,145 Rp 52,158,029
Rp 29,954,311 Rp 5,990,862
-Rp 89,656,665 -Rp 17,931,333
-Rp 21,965,309 -Rp 4,393,062
-Rp 53,796,490 -Rp 10,759,298
Rp 805 Rp 161
Rp 125,326,797 Rp 25,065,359
Rp 75,770,266 Rp 15,154,053
-Rp 16,667,690 -Rp 3,333,538
Rp 59,102,576 Rp 11,820,515
PT BANK NEGARA IN
LAPORAN ARU
Untuk Tahun yang Berakhir Pad
(Disajikan dalam Ju

Penerimaan bunga dan investasi
Pendapatan syariah
Pendapatan premi
Beban yang dibayar
Beban bunga
Beban Syariah
Beban Klaim
Pendapatan operasional lainnya
Beban operasional lainnya
Pendapatan non operasional - neto
Pembayaran dan penerimaan kembali atas pajak penghasilan badan
Arus kas sebelum perubahan dalam aset dan liabilitas operasi
Kas Neto yang Diperoleh dari Kegiatan Operasi

Pembelian efek-efek yang tersedia untuk dijual dan dimiliki hingga jatuh tempo
Pembelian obligasi pemerintah
Penambahan aset tetap
Hasil penjualan aset tetap
Kas Neto yang Digunakan untuk Kegiatan Investasi

Kenaikan pinjaman yang diterima
Penurunan efek-efek yang diterbitkan
(penurunan)/kenaikan efek-efek yang dijual dengan janji dibeli kembali
Saham tresuri
Pembayaran liabilitas sewa
Kenaikan efek-efek subordinasi
Pembayaran dividen
Kas Neto yang Diperoleh dari Kegiatan Pendanaan
LAPORAN ARUS KAS
2016 2017 2018 2019

Rp 40,253,309 Rp 44,494,561 Rp 49,572,508 Rp 56,177,837

Rp 2,790,383 Rp 3,174,648 Rp 3,567,329 Rp 4,036,377
Rp 5,596,823 Rp 6,871,380 Rp 5,997,417 Rp 6,158,192
-Rp 12,962,655 -Rp 15,207,118 -Rp 17,367,950 -Rp 21,064,257

-Rp 854,557 -Rp 967,942 -Rp 1,007,842 -Rp 990,498
-Rp 4,255,262 -Rp 5,103,812 -Rp 4,285,560 -Rp 4,461,264
Rp 9,612,498 Rp 10,585,204 Rp 11,540,546 Rp 13,767,574
-Rp 20,816,407 -Rp 19,182,605 -Rp 18,924,886 -Rp 21,321,979
Rp 73,573 -Rp 57,276 Rp 221,316 -Rp 117,517
-Rp 3,583,629 -Rp 3,365,755 -Rp 3,932,801 -Rp 4,082,687
Rp 15,854,076 Rp 21,241,285 Rp 25,380,077 Rp 28,101,778
Rp 31,708,152 Rp 42,482,570 Rp 50,760,154 Rp 56,203,556
-Rp 12,932,452 -Rp 8,672,745 Rp 2,472,482 Rp 6,551,381

-Rp 14,313,878 -Rp 12,695,997 -Rp 10,343,596 Rp 8,683,936
-Rp 2,171,589 -Rp 1,947,526 -Rp 1,945,179 -Rp 1,851,800
Rp 17,755 Rp 41,997 Rp 204,591 Rp 100,137
-Rp 29,400,164 -Rp 23,274,271 -Rp 9,611,702 Rp 13,483,654
Rp 9,864,921 Rp 12,333,663 Rp 6,795,949 Rp 5,273,245

-Rp 139,552 -Rp 3,744,836 Rp - Rp -
Rp 601,819 -Rp 1,374,895 Rp 18,478,977 -Rp 20,010,573
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp 99,953 Rp -
-Rp 2,266,885 -Rp 3,968,562 -Rp 4,765,767 -Rp 3,753,780
Rp 8,060,303 Rp 3,245,370 Rp 20,609,112 -Rp 18,491,108
2020
Jumlah Kumulatif Rata-Rata Pertahun
Jumlah
Rp 52,333,016 Rp 242,831,231 Rp 48,566,246

Rp 4,028,813 Rp 17,597,550 Rp 3,519,510
Rp 5,330,499 Rp 29,954,311 Rp 5,990,862
-Rp 18,478,792 -Rp 85,080,772 -Rp 17,016,154

-Rp 919,820 -Rp 4,740,659 -Rp 948,132
-Rp 3,859,411 -Rp 21,965,309 -Rp 4,393,062
Rp 11,267,818 Rp 56,773,640 Rp 11,354,728
-Rp 22,826,335 -Rp 103,072,212 -Rp 20,614,442
-Rp 119,292 Rp 804 Rp 161
-Rp 1,544,212 -Rp 16,509,084 -Rp 3,301,817
Rp 25,212,284 Rp 115,789,500 Rp 23,157,900
Rp 50,424,568 Rp 231,579,000 Rp 46,315,800
-Rp 3,834,695 -Rp 16,416,029 -Rp 3,283,206

-Rp 6,909,989 -Rp 35,579,524 -Rp 7,115,905
-Rp 1,273,440 -Rp 9,189,534 -Rp 1,837,907
Rp 26,008 Rp 390,488 Rp 78,098
-Rp 11,992,116 -Rp 60,794,599 -Rp 12,158,920
-Rp 13,530,558 Rp 20,737,220 Rp 4,147,444

Rp - -Rp 3,884,388 -Rp 776,878
Rp 507,305 -Rp 1,797,367 -Rp 359,473
-Rp 79,449 -Rp 79,449 -Rp 15,890
-Rp 190,348 -Rp 190,348 -Rp 38,070
Rp - Rp 99,953 Rp 19,991
-Rp 3,846,119 -Rp 18,601,113 -Rp 3,720,223
-Rp 17,139,169 -Rp 3,715,492 -Rp 743,098
Tahun 2016 Tahun 2017 Tahun 2018
Pendapatan Rp 9,962,683 Rp 11,040,059 Rp 11,612,599
Beban Pokok Penjualan Rp - Rp - Rp -
Laba Kotor Rp 9,962,683 Rp 11,040,059 Rp 11,612,599
Beban Operasional Rp 19,216,843 Rp 20,396,392 Rp 21,782,961
Laba Usaha Rp 9,254,160 Rp 9,356,333 Rp 10,170,362
Laba Sebelum Pajak Rp 14,302,905 Rp 17,165,387 Rp 19,820,715
Laba Bersih Rp 11,410,196 Rp 13,770,592 Rp 15,091,763
1. Pendapatan
Total
2017 Rp 11,040,059 End Value
2018 Rp 11,612,599
2019 Rp 13,712,398
2020 Rp 13,412,581
2. Beban Pokok Penjualan
Total
2016 Rp - Start Value
2017 Rp - End Value
2018 Rp -
2019 Rp -
2020 Rp -
3. Laba Kotor
Total
2017 Rp 11,040,059 End Value
2018 Rp 11,612,599
2019 Rp 13,712,398
2020 Rp 13,412,581
4. Beban Operasional
Total
2017 Rp 20,396,392 End Value
2018 Rp 21,782,961
2019 Rp 23,686,899
2020 Rp 24,213,756
5. Laba Usaha
Total
2017 Rp 9,356,333 End Value
2018 Rp 10,170,362
2019 Rp 9,974,501
2020 Rp 10,801,175
6.Laba Sebelum Pajak
Total
2017 Rp 17,165,387 End Value
2018 Rp 19,820,715
2019 Rp 19,369,106
2020 Rp 5,112,153
7. Laba Bersih
Total
2017 Rp 13,770,592 End Value
2018 Rp 15,091,763
2019 Rp 15,508,583
2020 Rp 3,321,442
Tahun 2019 Tahun 2020 Growth
Rp 13,712,398 Rp 13,412,581 7.71%
Rp - Rp - 0.00%
Rp 13,712,398 Rp 13,412,581 7.71%
Rp 23,686,899 Rp 24,213,756 5.94%
Rp 9,974,501 Rp 10,801,175 3.94%
Rp 19,369,106 Rp 5,112,153 -22.67%
Rp 15,508,583 Rp 3,321,442 -26.53%
Amount Year
Rp 9,962,683 12/31/2016 Total
Rp (13,412,581) 12/31/2020 Pendapata
Rp16,000,000
Rp14,000,000
Rp12,000,000 Rp11,612,59
Rp11,040,059
Rp10,000,000 Rp9,962,683
Rp8,000,000
Rp4,000,000
Rp - 12/31/2016 Rp2,000,000
Rp - 12/31/2020 Rp-
1 2 3
Total
Rp
Amount
9,962,683
Year
12/31/2016
Laba Kotor
Rp (13,412,581) 12/31/2020
Rp14,000,000
Rp12,000,000 Rp11,612,599
Rp11,040,059
Rp10,000,000 Rp9,962,683
Rp8,000,000
Rp6,000,000
Rp4,000,000
Rp 19,216,843 12/31/2016 Rp-
1 2 3
Rp (24,213,756) 12/31/2020
Total
Amount Year Laba Usaha
Rp 9,254,160 12/31/2016
Rp (10,801,175) 12/31/2020
Rp11,000,000
Rp10,170,3
Rp10,000,000
Rp9,500,000
Rp9,254,160 Rp9,356,333
Rp9,000,000
Rp8,500,000
1 2 3
Rp 14,302,905 12/31/2016
Rp (5,112,153) 12/31/2020
pound Annual Growth Rate -22.67%
Total
Laba Bersih
Amount Year
Rp 11,410,196 12/31/2016 Rp18,000,000
Rp16,000,000
Rp (3,321,442) 12/31/2020 Rp15,091,7
Rp14,000,000 Rp13,770,592
pound Annual Growth Rate -26.53% Rp12,000,000 Rp11,410,196
Rp10,000,000
Rp8,000,000
Rp6,000,000
Rp4,000,000
Rp2,000,000
Rp-
1 2 3
Total To
Pendapatan Beban Poko
Rp1
Rp13,712,398 Rp13,412,581
Rp11,040,059 Rp11,612,599
,962,683
Rp1
Rp- Rp- Rp-

1 2
1 2 3 4 5
Total To
Laba Kotor Beban O
Rp30,000,000
Rp13,712,398 Rp13,412,581 Rp25,000,000
Rp11,040,059 Rp11,612,599 Rp20,000,000 Rp19,216,843 Rp20,396,392
2,683
Rp15,000,000
Rp10,000,000
Rp5,000,000
Rp-
1 2
2 3 4 5
Total T
Laba Usaha Laba Seb
Rp25,000,000
Rp10,801,175
Rp20,000,000
Rp10,170,362 Rp17,165,387
Rp9,974,501
Rp15,000,000 Rp14,302,905
9,254,160 Rp9,356,333
Rp10,000,000
Rp5,000,000
1 2 3 4 5 Rp-
1 2
Total
Laba Bersih
Rp15,091,763 Rp15,508,583
Rp13,770,592
1,410,196
Rp3,321,442
1 2 3 4 5
Total
Beban Pokok Penjualan
Rp- Rp- Rp- Rp-

2 3 4 5
Total
Beban Operasional
Rp23,686,899 Rp24,213,756
Rp20,396,392 Rp21,782,961
9,216,843
1 2 3 4 5
Total
Laba Sebelum Pajak
Rp19,820,715 Rp19,369,106
Rp17,165,387
14,302,905
Rp5,112,153
1 2 3 4 5
B.) Analisis Proporsi
LAPORAN LABA R
Untuk Tahu
31 Des 2016
Jumlah
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAINNYA
31 Des 2016 31 Des 2017 31 Des 2018

Proporsi Jumlah Proporsi Jumlah Proporsi
Rp 11,040,059 Rp 11,612,599
0.00% Rp - 0.00% Rp - 0.00%
100.00% Rp 11,040,059 100.00% Rp 11,612,599 100.00%
-88.67% Rp (9,277,196) -84.03% Rp (9,518,738) -81.97%

-62.35% Rp (6,922,572) -62.70% Rp (7,667,065) -66.02%
-9.49% Rp (1,038,713) -9.41% Rp (1,290,553) -11.11%
-7.32% Rp (877,307) -7.95% Rp (970,733) -8.36%
-25.05% Rp (2,280,604) -20.66% Rp (2,335,872) -20.11%
-192.89% Rp (20,396,392) -184.75% Rp (21,782,961) -187.58%
-92.89% Rp (9,356,333) -84.75% Rp (10,170,362) -87.58%
439.32% Rp 48,177,849 436.39% Rp 54,138,613 466.21%

56.18% Rp 6,871,380 62.24% Rp 5,997,417 51.65%
-138.25% Rp (16,240,086) -147.10% Rp (18,692,298) -160.97%
-42.71% Rp (5,103,812) -46.23% Rp (4,285,560) -36.90%
-78.83% Rp (7,126,335) -64.55% Rp (7,388,411) -63.62%
0.74% Rp (57,276) -0.52% Rp 221,316 1.91%
236.45% Rp 26,521,720 240.23% Rp 29,991,077 258.26%
143.56% Rp 17,165,387 155.48% Rp 19,820,715 170.68%
-29.04% Rp (3,394,795) -30.75% Rp (4,728,952) -40.72%
114.53% Rp 13,770,592 124.73% Rp 15,091,763 129.96%
31 Des 2019 31 Des 2020
Jumlah Proporsi Jumlah Proporsi
Rp 13,712,398 Rp 13,412,581
Rp - 0.00% Rp - 0.00%
Rp 13,712,398 100.00% Rp 13,412,581 100.00%
Rp (10,186,127) -74.28% Rp (9,750,781) -72.70%

Rp (8,258,709) -60.23% Rp (9,062,677) -67.57%
Rp (1,312,056) -9.57% Rp (1,030,410) -7.68%
Rp (1,110,996) -8.10% Rp (1,188,620) -8.86%
Rp (2,819,011) -20.56% Rp (3,181,268) -23.72%
Rp (23,686,899) -172.74% Rp (24,213,756) -180.53%
Rp (9,974,501) -72.74% Rp (10,801,175) -80.53%
Rp 58,532,373 426.86% Rp 56,172,871 418.81%

Rp 6,158,192 44.91% Rp 5,330,499 39.74%
Rp (21,929,999) -159.93% Rp (19,020,905) -141.81%
Rp (4,461,264) -32.53% Rp (3,859,411) -28.77%
Rp (8,838,178) -64.45% Rp (22,590,435) -168.43%
Rp (117,517) -0.86% Rp (119,291) -0.89%
Rp 29,343,607 213.99% Rp 15,913,328 118.64%
Rp 19,369,106 141.25% Rp 5,112,153 38.11%
Rp (3,860,523) -28.15% Rp (1,790,711) -13.35%
Rp 15,508,583 113.10% Rp 3,321,442 24.76%
Analisis Perbandingan Arus Kas selama 5 tahun +
No Tahun 2016
1 Aktivitas Operasi Rp 31,708,152
2 Aktivitas Investasi Rp 29,400,164
3 Aktivitas Pendanaan Rp 8,060,303
Aktivitas Operasi
Data
2016 Rp 31,708,152
2017 Rp 42,482,570
2018 Rp 50,760,154
2019 Rp 56,203,556
2020 Rp 50,424,568
Aktivitas Investasi
Data
2016 Rp 29,400,164
2017 Rp 23,274,271
2018 Rp 9,611,702
2019 Rp 13,483,654
2020 Rp 11,992,116
Aktivitas Pendanaan
Data
2016 Rp 8,060,303
2017 Rp 3,245,370
2018 Rp 20,609,112
2019 Rp 18,491,108
2020 Rp 17,139,169
Perbandingan Arus Kas selama 5 tahun + Grafik
Tahun 2017 Tahun 2018 Tahun 2019 Tahun 2020 Growth

Rp 42,482,570 Rp 50,760,154 Rp 56,203,556 Rp 50,424,568 12.29%
Rp 23,274,271 Rp 9,611,702 Rp 13,483,654 Rp 11,992,116 -20.07%
Rp 3,245,370 Rp 20,609,112 Rp 18,491,108 Rp 17,139,169 20.74%
Amount Year
Start Value Rp 31,708,152 12/31/2016
End Value -Rp 50,424,568 12/31/2020

12.29%
Amount Year
Start Value Rp 29,400,164 12/31/2016
End Value -Rp 11,992,116 12/31/2020

-20%
Amount Year
Start Value Rp 8,060,303 12/31/2016
End Value -Rp 17,139,169 12/31/2020

20.74%
Rp60,000,000
1 Aktivitas Operasi
Rp50,000,000
Rp40,000,000
Rp30,000,000
Rp20,000,000
Rp10,000,000
Rp-
Tahun 2016 Tahun 2017 Tahun 2018 Tahun 2019 Tahun 2020
3 Aktivitas Pendanaan
Rp25,000,000
Rp20,000,000
Rp15,000,000
Rp10,000,000
Rp5,000,000
Rp-
3. Laba Kotor
2 Aktivitas Investasi
Rp35,000,000
Rp30,000,000
Rp25,000,000
Rp20,000,000
Rp15,000,000
Rp10,000,000
Rp5,000,000
Tahun 2020 Rp-
2. Beban Pokok Penjualan
Tahun 2020
9 Tahun 2020
2016 2017
Jumlah Jumlah
ASET
Aset Lancar
Kas Rp 11,167,643 Rp 11,577,664
Efek-efek Rp 23,855,857 Rp 36,358,994
Aset Tidak Lancar

Aset tetap Rp 21,972,223 Rp 22,804,689
JUMLAH ASET Rp 603,031,880 Rp 709,330,084
LIABILITAS

EKUITAS
Modal Saham Rp 9,054,807 Rp 9,054,807
Saldo laba Rp 50,798,322 Rp 60,313,505

DONESIA Tbk
GAN KONSOLIDASI
taan Rupiah)
2018 2019 2020 2017 Atas 2016

Jumlah Jumlah Jumlah Naik/Turun %
Rp 14,043,846 Rp 15,361,703 Rp 17,324,047 Rp 410,021 4%

Rp 35,591,243 Rp 37,104,091 Rp 35,065,701 Rp 2,553,864 8%
Rp 13,133,828 Rp 14,962,793 Rp 16,107,788 Rp 15,037,131 239%
Rp 39,324,445 Rp 47,776,809 Rp 61,329,259 -Rp 5,068,930 -15%
Rp 32,362,407 Rp 27,446,870 Rp 29,946,816 Rp 12,503,137 52%
-Rp 318,137 -Rp 285,119 -Rp 260,219 -Rp 217,988 239%
Rp 24,586,862 Rp 19,207,603 Rp 17,893,534 Rp 7,133,130 83%
Rp 86,791,402 Rp 81,029,020 Rp 90,659,318 Rp 16,843,113 27%
Rp - Rp 411,442 Rp 8,666,091 -Rp 985,628 -59%
Rp 605,248 Rp 312,266 Rp 1,460,614 -Rp 32,980 -13%
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787 Rp 48,038,174 12%
-Rp 14,891,609 -Rp 16,908,871 -Rp 44,227,986 Rp 2,157,280 -13%
Rp 20,295,277 Rp 18,558,276 Rp 20,575,666 Rp 3,382,018 23%
Rp 2,337,403 Rp 2,609,259 Rp 2,807,092 -Rp 92,375 -4%
Rp 1,624,418 Rp 1,049,979 Rp 1,049,787 Rp 2,403 0%
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295 Rp 101,662,370 18%
Rp 603,923 Rp 523,103 Rp 813,087 Rp 656,254 1148%

Rp 1,676,366 Rp 1,349,343 Rp 4,799,832 -Rp 440,605 -33%
Rp 26,126,508 Rp 26,524,759 Rp 27,362,400 Rp 832,466 4%
Rp 11,900,084 Rp 11,800,935 Rp 13,757,811 Rp 3,587,719 53%
Rp 40,306,881 Rp 40,198,140 Rp 46,733,130 Rp 4,635,834 15%
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 Rp 106,298,204 18%
Rp 4,160,295 Rp 5,272,805 Rp 5,560,702 Rp 1,591,879 49%

Rp 552,172,202 Rp 582,540,625 Rp 647,571,744 Rp 77,294,864 19%
Rp 13,874,495 Rp 11,584,276 Rp 9,023,031 Rp 1,999,025 21%
Rp 21,524,329 Rp 2,183,403 Rp 2,590,268 -Rp 1,374,895 -37%
Rp 322,028 Rp 203,054 Rp 414,280 -Rp 297,050 -72%
Rp 4,416,613 Rp 5,341,440 Rp 5,500,360 Rp 148,794 3%
Rp 481,064 Rp 567,811 Rp 1,147,777 -Rp 70,345 -47%
Rp 876,347 Rp 997,259 Rp 1,181,534 -Rp 75,760 -7%
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696 Rp 79,216,512 18%
Rp 52,024,506 Rp 57,235,500 Rp 44,114,314 Rp 11,705,319 36%

Rp 177,519 Rp 185,019 Rp 1,421,914 Rp 36,287 23%
Rp 2,987,464 Rp 2,985,052 Rp 2,985,011 -Rp 3,744,836 -56%
Rp 3,512,266 Rp 4,392,277 Rp 6,344,268 Rp 590,653 17%
Rp 14,608,465 Rp 14,900,956 Rp 18,280,485 Rp 3,581,758 32%
Rp 99,953 Rp 99,965 Rp 99,975 Rp - 0%
Rp 26,602,572 Rp 31,770,347 Rp 31,880,701 Rp 3,258,205 16%
Rp 358,104 Rp 341,471 Rp 348,862 Rp 5,002 1%
Rp - Rp - Rp - Rp - 0%
Rp 100,370,849 Rp 111,910,587 Rp 105,475,530 Rp 15,432,388 20%
Rp 698,198,222 Rp 720,601,260 Rp 778,465,226 Rp 94,648,900 18%
Rp 9,054,807 Rp 9,054,807 Rp 9,054,807 Rp - 0%

Rp 14,568,468 Rp 14,568,468 Rp 14,568,468 Rp - 0%
Rp 2,256,999 Rp 2,256,999 Rp 2,256,999 Rp - 0%
Rp 14,978,731 Rp 14,946,879 Rp 14,962,961 -Rp 2,365 0%
-Rp 3,913,839 -Rp 822,278 Rp 2,424,779 Rp 1,910,697 -101%
Rp 84,886 Rp 47,199 Rp 23,254 Rp 11,440 14%
Rp 71,046,832 Rp 79,685,093 Rp 66,980,701 Rp 9,515,183 19%
Rp - Rp - -Rp 79,449 Rp - 0%
Rp 108,076,884 Rp 122,515,579 Rp 110,192,520 Rp 11,434,955 13%
Rp 2,296,905 Rp 2,488,369 Rp 2,679,679 Rp 214,349 10%
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199 Rp 11,649,304 13%

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 Rp 106,298,204 18%
tas 2016 2018 Atas 2016 2019 Atas 2016
Ratio Naik/Turun % Ratio Naik/Turun % Ratio
1.04 Rp 2,876,203 26% 1.26 Rp 4,194,060 38% 1.38

1.08 Rp 5,444,390 18% 1.18 Rp 6,957,238 23% 1.23
3.39 Rp 6,835,809 109% 2.09 Rp 8,664,774 138% 2.38
0.85 Rp 5,662,777 17% 1.17 Rp 14,115,141 42% 1.42
1.52 Rp 8,506,550 36% 1.36 Rp 3,591,013 15% 1.15
3.39 -Rp 227,030 249% 3.49 -Rp 194,012 213% 3.13
1.83 Rp 16,019,067 187% 2.87 Rp 10,639,808 124% 2.24
1.27 Rp 23,785,063 38% 1.38 Rp 18,022,681 29% 1.29
0.41 -Rp 1,664,750 -100% 0.00 -Rp 1,253,308 -75% 0.25
0.87 Rp 355,384 142% 2.42 Rp 62,402 25% 1.25
1.12 Rp 119,503,105 30% 1.30 Rp 163,495,555 42% 1.42
0.87 Rp 1,789,256 -11% 0.89 -Rp 228,006 1% 1.01
1.23 Rp 5,570,883 38% 1.38 Rp 3,833,882 26% 1.26
0.96 -Rp 73,488 -3% 0.97 Rp 198,368 8% 1.08
1.00 Rp 1,004,098 162% 2.62 Rp 429,659 69% 1.69
1.18 Rp 195,387,317 34% 1.34 Rp 232,529,255 41% 1.41
12.48 Rp 546,754 956% 10.56 Rp 465,934 815% 9.15

0.67 Rp 344,858 26% 1.26 Rp 17,835 1% 1.01
1.04 Rp 4,154,285 19% 1.19 Rp 4,552,536 21% 1.21
1.53 Rp 5,106,917 75% 1.75 Rp 5,007,768 74% 1.74
1.15 Rp 10,152,814 34% 1.34 Rp 10,044,073 33% 1.33
1.18 Rp 205,540,131 34% 1.34 Rp 242,573,328 40% 1.40
1.49 Rp 884,627 27% 1.27 Rp 1,997,137 61% 1.61

1.19 Rp 136,719,118 33% 1.33 Rp 167,087,541 40% 1.40
1.21 Rp 4,139,313 43% 1.43 Rp 1,849,094 19% 1.19
0.63 Rp 17,759,368 472% 5.72 -Rp 1,581,558 -42% 0.58
0.28 -Rp 88,842 -22% 0.78 -Rp 207,816 -51% 0.49
1.03 Rp 58,076 1% 1.01 Rp 982,903 23% 1.23
0.53 Rp 330,294 219% 3.19 Rp 417,041 277% 3.77
0.93 -Rp 170,892 -16% 0.84 -Rp 49,980 -5% 0.95
1.18 Rp 159,631,062 36% 1.36 Rp 170,494,362 39% 1.39
1.36 Rp 19,059,084 58% 1.58 Rp 24,270,078 74% 1.74

1.23 Rp 21,400 14% 1.14 Rp 28,900 19% 1.19
0.44 -Rp 3,743,651 -56% 0.44 -Rp 3,746,063 -56% 0.44
1.17 Rp 9,064 0% 1.00 Rp 889,075 25% 1.25
1.32 Rp 3,459,509 31% 1.31 Rp 3,752,000 34% 1.34
0.00 Rp 99,953 0% 0.00 Rp 99,965 0% 0.00
1.16 Rp 6,510,743 32% 1.32 Rp 11,678,518 58% 1.58
1.01 -Rp 130,822 -27% 0.73 -Rp 147,455 -30% 0.70
1.00 -Rp 496,000 -100% 0.00 -Rp 496,000 -100% 0.00
1.20 Rp 24,789,280 33% 1.33 Rp 36,329,018 48% 1.48
1.18 Rp 184,420,342 36% 1.36 Rp 206,823,380 40% 1.40
1.00 Rp - 0% 1.00 Rp - 0% 1.00

1.00 Rp - 0% 1.00 Rp - 0% 1.00
1.00 Rp - 0% 1.00 Rp - 0% 1.00
1.00 Rp 2,693,241 22% 1.22 Rp 2,661,389 22% 1.22
-0.01 -Rp 2,025,372 107% 2.07 Rp 1,066,189 -56% 0.44
1.14 Rp 3,171 4% 1.04 -Rp 34,516 -42% 0.58
1.19 Rp 20,248,510 40% 1.40 Rp 28,886,771 57% 1.57
0.00 Rp - 0% 0.00 Rp - 0% 0.00
1.13 Rp 20,919,550 24% 1.24 Rp 35,358,245 41% 1.41
1.10 Rp 200,239 10% 1.10 Rp 391,703 19% 1.19
1.13 Rp 21,119,789 24% 1.24 Rp 35,749,948 40% 1.40

1.18 Rp 205,540,131 34% 1.34 Rp 242,573,328 40% 1.40
2020 Atas 2016
Naik/Turun % Ratio
Rp 6,156,404 55% 1.55

Rp 4,918,848 16% 1.16
Rp 9,809,769 156% 2.56
Rp 27,667,591 82% 1.82
Rp 6,090,959 26% 1.26
-Rp 169,112 186% 2.86
Rp 9,325,739 109% 2.09
Rp 27,652,979 44% 1.44
Rp 7,001,341 421% 5.21
Rp 1,210,750 485% 5.85
Rp 192,931,395 49% 1.49
-Rp 27,547,121 165% 2.65
Rp 5,851,272 40% 1.40
Rp 396,201 16% 1.16
Rp 429,467 69% 1.69
Rp 271,726,482 47% 1.47
Rp 755,918 1322% 14.22

Rp 3,468,324 260% 3.60
Rp 5,390,177 25% 1.25
Rp 6,964,644 103% 2.03
Rp 16,579,063 55% 1.55
Rp 288,305,545 48% 1.48
Rp 2,285,034 70% 1.70

Rp 232,118,660 56% 1.56
-Rp 712,151 -7% 0.93
-Rp 1,174,693 -31% 0.69
Rp 3,410 1% 1.01
Rp 1,141,823 26% 1.26
Rp 997,007 661% 7.61
Rp 134,295 13% 1.13
Rp 234,793,385 54% 1.54
Rp 11,148,892 34% 1.34

Rp 1,265,795 811% 9.11
-Rp 3,746,104 -56% 0.44
Rp 2,841,066 81% 1.81
Rp 7,131,529 64% 1.64
Rp 99,975 0% 0.00
Rp 11,788,872 59% 1.59
-Rp 140,064 -29% 0.71
-Rp 496,000 -100% 0.00
Rp 29,893,961 40% 1.40
Rp 264,687,346 52% 1.52
Rp - 0% 1.00
Rp - 0% 1.00
Rp - 0% 1.00
Rp 2,677,471 22% 1.22
Rp 4,313,246 -228% -1.28
-Rp 58,461 -72% 0.28
Rp 16,182,379 32% 1.32
-Rp 79,449 0% 0.00
Rp 23,035,186 26% 1.26
Rp 583,013 28% 1.28
Rp 23,618,199 26% 1.26

Rp 288,305,545 48% 1.48
31 Des 2016
Jumlah
31 Des 2017 31 Des 2018 31 Des 2019 31 Des 2020

Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581

Rp - Rp - Rp - Rp -
Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581
Rp (9,277,196) Rp (9,518,738) Rp (10,186,127) Rp (9,750,781)

Rp (6,922,572) Rp (7,667,065) Rp (8,258,709) Rp (9,062,677)
Rp (1,038,713) Rp (1,290,553) Rp (1,312,056) Rp (1,030,410)
Rp (877,307) Rp (970,733) Rp (1,110,996) Rp (1,188,620)
Rp (2,280,604) Rp (2,335,872) Rp (2,819,011) Rp (3,181,268)
Rp (20,396,392) Rp (21,782,961) Rp (23,686,899) Rp (24,213,756)
Rp (9,356,333) Rp (10,170,362) Rp (9,974,501) Rp (10,801,175)
Rp 48,177,849 Rp 54,138,613 Rp 58,532,373 Rp 56,172,871

Rp 6,871,380 Rp 5,997,417 Rp 6,158,192 Rp 5,330,499
Rp (16,240,086) Rp (18,692,298) Rp (21,929,999) Rp (19,020,905)
Rp (5,103,812) Rp (4,285,560) Rp (4,461,264) Rp (3,859,411)
Rp (7,126,335) Rp (7,388,411) Rp (8,838,178) Rp (22,590,435)
Rp (57,276) Rp 221,316 Rp (117,517) Rp (119,291)
Rp 26,521,720 Rp 29,991,077 Rp 29,343,607 Rp 15,913,328
Rp 17,165,387 Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp (3,394,795) Rp (4,728,952) Rp (3,860,523) Rp (1,790,711)
Rp 13,770,592 Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
2017 Atas 2016 2018 Atas 2016 2019 Atas 2016
Naik/Turun % Ratio Naik/Turun % Ratio Naik/Turun
Rp 1,077,376 11% 1.11 Rp 1,649,916 17% 1.17 Rp 3,749,715

Rp - 0% 0.00 Rp - 0% 0.00 Rp -
Rp 1,077,376 11% 1.11 Rp 1,649,916 17% 1.17 Rp 3,749,715
-Rp 443,242 5% 1.05 -Rp 684,784 8% 1.08 -Rp 1,352,173

-Rp 710,647 11% 1.11 -Rp 1,455,140 23% 1.23 -Rp 2,046,784
-Rp 93,061 10% 1.10 -Rp 344,901 36% 1.36 -Rp 366,404
-Rp 147,933 20% 1.20 -Rp 241,359 33% 1.33 -Rp 381,622
Rp 215,334 -9% 0.91 Rp 160,066 -6% 0.94 -Rp 323,073
-Rp 1,179,549 6% 1.06 -Rp 2,566,118 13% 1.13 -Rp 4,470,056
-Rp 102,173 1% 1.01 -Rp 916,202 10% 1.10 -Rp 720,341
Rp 4,409,410 10% 1.10 Rp 10,370,174 24% 1.24 Rp 14,763,934

Rp 1,274,557 23% 1.23 Rp 400,594 7% 1.07 Rp 561,369
-Rp 2,466,709 18% 1.18 -Rp 4,918,921 36% 1.36 -Rp 8,156,622
-Rp 848,550 20% 1.20 -Rp 30,298 1% 1.01 -Rp 206,002
Rp 726,796 -9% 0.91 Rp 464,720 -6% 0.94 -Rp 985,047
-Rp 130,849 -178% -0.78 Rp 147,743 201% 3.01 -Rp 191,090
Rp 2,964,655 13% 1.13 Rp 6,434,012 27% 1.27 Rp 5,786,542
Rp 2,862,482 20% 1.20 Rp 5,517,810 39% 1.39 Rp 5,066,201
-Rp 502,086 17% 1.17 -Rp 1,836,243 63% 1.63 -Rp 967,814
Rp 2,360,396 21% 1.21 Rp 3,681,567 32% 1.32 Rp 4,098,387
2019 Atas 2016 2020 Atas 2016
% Ratio Naik/Turun % Ratio
38% 1.38 Rp 3,449,898 35% 1.35

0% 0.00 Rp - 0% 0.00
38% 1.38 Rp 3,449,898 35% 1.35
15% 1.15 -Rp 916,827 10% 1.10

33% 1.33 -Rp 2,850,752 46% 1.46
39% 1.39 -Rp 84,758 9% 1.09
52% 1.52 -Rp 459,246 63% 1.63
13% 1.13 -Rp 685,330 27% 1.27
23% 1.23 -Rp 4,996,913 26% 1.26
8% 1.08 -Rp 1,547,015 17% 1.17
34% 1.34 Rp 12,404,432 28% 1.28

10% 1.10 -Rp 266,324 -5% 0.95
59% 1.59 -Rp 5,247,528 38% 1.38
5% 1.05 Rp 395,851 -9% 0.91
13% 1.13 -Rp 14,737,304 188% 2.88
-260% -1.60 -Rp 192,864 -262% -1.62
25% 1.25 -Rp 7,643,737 -32% 0.68
35% 1.35 -Rp 9,190,752 -64% 0.36
33% 1.33 Rp 1,101,998 -38% 0.62
36% 1.36 -Rp 8,088,754 -71% 0.29
PT BANK NEGARA IN
LAPORAN ARU
(Disajikan dalam Ju

Pendapatan syariah
Pendapatan premi
Beban yang dibayar
Beban bunga
Beban Syariah
Beban Klaim


Saham tresuri
Pembayaran dividen
LAPORAN ARUS KAS
2016 2017 2018 2019

Rp 40,253,309 Rp 44,494,561 Rp 49,572,508 Rp 56,177,837

Rp 2,790,383 Rp 3,174,648 Rp 3,567,329 Rp 4,036,377
Rp 5,596,823 Rp 6,871,380 Rp 5,997,417 Rp 6,158,192
-Rp 12,962,655 -Rp 15,207,118 -Rp 17,367,950 -Rp 21,064,257

-Rp 854,557 -Rp 967,942 -Rp 1,007,842 -Rp 990,498
-Rp 4,255,262 -Rp 5,103,812 -Rp 4,285,560 -Rp 4,461,264
Rp 9,612,498 Rp 10,585,204 Rp 11,540,546 Rp 13,767,574
-Rp 20,816,407 -Rp 19,182,605 -Rp 18,924,886 -Rp 21,321,979
Rp 73,573 -Rp 57,276 Rp 221,316 -Rp 117,517
-Rp 3,583,629 -Rp 3,365,755 -Rp 3,932,801 -Rp 4,082,687
Rp 15,854,076 Rp 21,241,285 Rp 25,380,077 Rp 28,101,778
Rp 31,708,152 Rp 42,482,570 Rp 50,760,154 Rp 56,203,556
-Rp 12,932,452 -Rp 8,672,745 Rp 2,472,482 Rp 6,551,381

-Rp 14,313,878 -Rp 12,695,997 -Rp 10,343,596 Rp 8,683,936
-Rp 2,171,589 -Rp 1,947,526 -Rp 1,945,179 -Rp 1,851,800
Rp 17,755 Rp 41,997 Rp 204,591 Rp 100,137
-Rp 29,400,164 -Rp 23,274,271 -Rp 9,611,702 Rp 13,483,654
Rp 9,864,921 Rp 12,333,663 Rp 6,795,949 Rp 5,273,245

-Rp 139,552 -Rp 3,744,836 Rp - Rp -
Rp 601,819 -Rp 1,374,895 Rp 18,478,977 -Rp 20,010,573
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp 99,953 Rp -
-Rp 2,266,885 -Rp 3,968,562 -Rp 4,765,767 -Rp 3,753,780
Rp 8,060,303 Rp 3,245,370 Rp 20,609,112 -Rp 18,491,108
2020 2017 Atas 2016 2018 Atas 2016
Jumlah Naik/Turun % Ratio Naik/Turun
Rp 52,333,016 Rp 4,241,252 11% 1.11 Rp 9,319,199

Rp 4,028,813 Rp 384,265 14% 1.14 Rp 776,946
Rp 5,330,499 Rp 1,274,557 23% 1.23 Rp 400,594
Rp -
-Rp 18,478,792 -Rp 2,244,463 17% 1.17 -Rp 4,405,295
-Rp 919,820 -Rp 113,385 13% 1.13 -Rp 153,285
-Rp 3,859,411 -Rp 848,550 20% 1.20 -Rp 30,298
Rp 11,267,818 Rp 972,706 10% 1.10 Rp 1,928,048
-Rp 22,826,335 Rp 1,633,802 -8% 0.92 Rp 1,891,521
-Rp 119,292 -Rp 130,849 -178% -0.78 Rp 147,743
-Rp 1,544,212 Rp 217,874 -6% 0.94 -Rp 349,172
Rp 25,212,284 Rp 5,387,209 34% 1.34 Rp 9,526,001
Rp 50,424,568 Rp 10,774,418 34% 1.34 Rp 19,052,002
-Rp 3,834,695 Rp 4,259,707 -33% 0.67 Rp 15,404,934

-Rp 6,909,989 Rp 1,617,881 -11% 0.89 Rp 3,970,282
-Rp 1,273,440 Rp 224,063 -10% 0.90 Rp 226,410
Rp 26,008 Rp 24,242 137% 2.37 Rp 186,836
-Rp 11,992,116 Rp 6,125,893 -21% 0.79 Rp 19,788,462
-Rp 13,530,558 Rp 2,468,742 25% 1.25 -Rp 3,068,972

Rp - -Rp 3,605,284 2583% 26.83 Rp 139,552
Rp 507,305 -Rp 1,976,714 -328% -2.28 Rp 17,877,158
-Rp 79,449 Rp - 0% 0.00 Rp -
-Rp 190,348 Rp - 0% 0.00 Rp -
Rp - Rp - 0% 0.00 Rp 99,953
-Rp 3,846,119 -Rp 1,701,677 75% 1.75 -Rp 2,498,882
-Rp 17,139,169 -Rp 4,814,933 -60% 0.40 Rp 12,548,809
2018 Atas 2016 2019 Atas 2016 2020 Atas 2016
% Ratio Naik/Turun % Ratio Naik/Turun
23% 1.23 Rp 15,924,528 40% 1.40 Rp 12,079,707

28% 1.28 Rp 1,245,994 45% 1.45 Rp 1,238,430
7% 1.07 Rp 561,369 10% 1.10 -Rp 266,324
34% 1.34 -Rp 8,101,602 62% 1.62 -Rp 5,516,137

18% 1.18 -Rp 135,941 16% 1.16 -Rp 65,263
1% 1.01 -Rp 206,002 5% 1.05 Rp 395,851
20% 1.20 Rp 4,155,076 43% 1.43 Rp 1,655,320
-9% 0.91 -Rp 505,572 2% 1.02 -Rp 2,009,928
201% 3.01 -Rp 191,090 -260% -1.60 -Rp 192,865
10% 1.10 -Rp 499,058 14% 1.14 Rp 2,039,417
60% 1.60 Rp 12,247,702 77% 1.77 Rp 9,358,208
60% 1.60 Rp 24,495,404 77% 1.77 Rp 18,716,416
-119% -0.19 Rp 19,483,833 -151% -0.51 Rp 9,097,757

-28% 0.72 Rp 22,997,814 -161% -0.61 Rp 7,403,889
-10% 0.90 Rp 319,789 -15% 0.85 Rp 898,149
1052% 11.52 Rp 82,382 464% 5.64 Rp 8,253
-67% 0.33 Rp 42,883,818 -146% -0.46 Rp 17,408,048
-31% 0.69 -Rp 4,591,676 -47% 0.53 -Rp 23,395,479

-100% 0.00 Rp 139,552 -100% 0.00 Rp 139,552
2971% 30.71 -Rp 20,612,392 -3425% -33.25 -Rp 94,514
0% 0.00 Rp - 0% 0.00 -Rp 79,449
0% 0.00 Rp - 0% 0.00 -Rp 190,348
0% 0.00 Rp - 0% 0.00 Rp -
110% 2.10 -Rp 1,486,895 66% 1.66 -Rp 1,579,234
156% 2.56 -Rp 26,551,411 -329% -2.29 -Rp 25,199,472
2020 Atas 2016
% Ratio
30% 1.30
44% 1.44
-5% 0.95
43% 1.43
8% 1.08
-9% 0.91
17% 1.17
10% 1.10
-262% -1.62
-57% 0.43
59% 1.59
59% 1.59
-70% 0.30
-52% 0.48
-41% 0.59
46% 1.46
-59% 0.41
-237% -1.37
-100% 0.00
-16% 0.84
0% 0.00
0% 0.00
0% 0.00
70% 1.70
-313% -2.13
2016 2017
Jumlah Jumlah
ASET
Aset Lancar
Kas Rp 11,167,643 Rp 11,577,664
Efek-efek Rp 23,855,857 Rp 36,358,994
Aset Tidak Lancar

Aset tetap Rp 21,972,223 Rp 22,804,689
JUMLAH ASET Rp 603,031,880 Rp 709,330,084
LIABILITAS

EKUITAS
Modal Saham Rp 9,054,807 Rp 9,054,807
Saldo laba Rp 50,798,322 Rp 60,313,505

DONESIA Tbk
GAN KONSOLIDASI
taan Rupiah)
2018 2019 2020 Trend Dalam %

Jumlah Jumlah Jumlah 2016=100%
2017 2018
Rp 14,043,846 Rp 15,361,703 Rp 17,324,047 104% 126%

Rp 35,591,243 Rp 37,104,091 Rp 35,065,701 108% 118%
Rp 13,133,828 Rp 14,962,793 Rp 16,107,788 339% 209%
Rp 39,324,445 Rp 47,776,809 Rp 61,329,259 85% 117%
Rp 32,362,407 Rp 27,446,870 Rp 29,946,816 152% 136%
-Rp 318,137 -Rp 285,119 -Rp 260,219 339% 349%
Rp 24,586,862 Rp 19,207,603 Rp 17,893,534 183% 287%
Rp 86,791,402 Rp 81,029,020 Rp 90,659,318 127% 138%
Rp - Rp 411,442 Rp 8,666,091 41% 0%
Rp 605,248 Rp 312,266 Rp 1,460,614 87% 242%
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787 112% 130%
-Rp 14,891,609 -Rp 16,908,871 -Rp 44,227,986 87% 89%
Rp 20,295,277 Rp 18,558,276 Rp 20,575,666 123% 138%
Rp 2,337,403 Rp 2,609,259 Rp 2,807,092 96% 97%
Rp 1,624,418 Rp 1,049,979 Rp 1,049,787 100% 262%
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295 118% 134%
Rp 603,923 Rp 523,103 Rp 813,087 1248% 1056%

Rp 1,676,366 Rp 1,349,343 Rp 4,799,832 67% 126%
Rp 26,126,508 Rp 26,524,759 Rp 27,362,400 104% 119%
Rp 11,900,084 Rp 11,800,935 Rp 13,757,811 153% 175%
Rp 40,306,881 Rp 40,198,140 Rp 46,733,130 115% 134%
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 118% 134%
Rp 4,160,295 Rp 5,272,805 Rp 5,560,702 149% 127%

Rp 552,172,202 Rp 582,540,625 Rp 647,571,744 119% 133%
Rp 13,874,495 Rp 11,584,276 Rp 9,023,031 121% 143%
Rp 21,524,329 Rp 2,183,403 Rp 2,590,268 63% 572%
Rp 322,028 Rp 203,054 Rp 414,280 28% 78%
Rp 4,416,613 Rp 5,341,440 Rp 5,500,360 103% 101%
Rp 481,064 Rp 567,811 Rp 1,147,777 53% 319%
Rp 876,347 Rp 997,259 Rp 1,181,534 93% 84%
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696 118% 136%
Rp 52,024,506 Rp 57,235,500 Rp 44,114,314 136% 158%

Rp 177,519 Rp 185,019 Rp 1,421,914 123% 114%
Rp 2,987,464 Rp 2,985,052 Rp 2,985,011 44% 44%
Rp 3,512,266 Rp 4,392,277 Rp 6,344,268 117% 100%
Rp 14,608,465 Rp 14,900,956 Rp 18,280,485 132% 131%
Rp 99,953 Rp 99,965 Rp 99,975 0% 0%
Rp 26,602,572 Rp 31,770,347 Rp 31,880,701 116% 132%
Rp 358,104 Rp 341,471 Rp 348,862 101% 73%
Rp - Rp - Rp - 100% 0%
Rp 100,370,849 Rp 111,910,587 Rp 105,475,530 120% 133%
Rp 698,198,222 Rp 720,601,260 Rp 778,465,226 118% 136%
Rp 9,054,807 Rp 9,054,807 Rp 9,054,807 100% 100%

Rp 14,568,468 Rp 14,568,468 Rp 14,568,468 100% 100%
Rp 2,256,999 Rp 2,256,999 Rp 2,256,999 100% 100%
Rp 14,978,731 Rp 14,946,879 Rp 14,962,961 100% 122%
-Rp 3,913,839 -Rp 822,278 Rp 2,424,779 -1% 207%
Rp 84,886 Rp 47,199 Rp 23,254 114% 104%
Rp 71,046,832 Rp 79,685,093 Rp 66,980,701 119% 140%
Rp - Rp - -Rp 79,449 0% 0%
Rp 108,076,884 Rp 122,515,579 Rp 110,192,520 113% 124%
Rp 2,296,905 Rp 2,488,369 Rp 2,679,679 110% 110%
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199 113% 124%

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 118% 134%
Trend Dalam %
2016=100%
2019 2020
138% 155%
123% 116%
238% 256%
142% 182%
115% 126%
313% 286%
224% 209%
129% 144%
25% 521%
125% 585%
142% 149%
101% 265%
126% 140%
108% 116%
169% 169%
141% 147%
915% 1422%
101% 360%
121% 125%
174% 203%
133% 155%
140% 148%
161% 170%
140% 156%
119% 93%
58% 69%
49% 101%
123% 126%
377% 761%
95% 113%
139% 154%
174% 134%
119% 911%
44% 44%
125% 181%
134% 164%
0% 0%
158% 159%
70% 71%
0% 0%
148% 140%
140% 152%
100% 100%
100% 100%
100% 100%
122% 122%
44% -128%
58% 28%
157% 132%
0% 0%
141% 126%
119% 128%
140% 126%
140% 148%
31 Des 2016
Jumlah
31 Des 2017 31 Des 2018 31 Des 2019 31 Des 2020

Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581

Rp - Rp - Rp - Rp -
Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581
Rp (9,277,196) Rp (9,518,738) Rp (10,186,127) Rp (9,750,781)

Rp (6,922,572) Rp (7,667,065) Rp (8,258,709) Rp (9,062,677)
Rp (1,038,713) Rp (1,290,553) Rp (1,312,056) Rp (1,030,410)
Rp (877,307) Rp (970,733) Rp (1,110,996) Rp (1,188,620)
Rp (2,280,604) Rp (2,335,872) Rp (2,819,011) Rp (3,181,268)
Rp (20,396,392) Rp (21,782,961) Rp (23,686,899) Rp (24,213,756)
Rp (9,356,333) Rp (10,170,362) Rp (9,974,501) Rp (10,801,175)
Rp 48,177,849 Rp 54,138,613 Rp 58,532,373 Rp 56,172,871

Rp 6,871,380 Rp 5,997,417 Rp 6,158,192 Rp 5,330,499
Rp (16,240,086) Rp (18,692,298) Rp (21,929,999) Rp (19,020,905)
Rp (5,103,812) Rp (4,285,560) Rp (4,461,264) Rp (3,859,411)
Rp (7,126,335) Rp (7,388,411) Rp (8,838,178) Rp (22,590,435)
Rp (57,276) Rp 221,316 Rp (117,517) Rp (119,291)
Rp 26,521,720 Rp 29,991,077 Rp 29,343,607 Rp 15,913,328
Rp 17,165,387 Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp (3,394,795) Rp (4,728,952) Rp (3,860,523) Rp (1,790,711)
Rp 13,770,592 Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
Trend Dalam %
2016=100%
2017 2018 2019 2020
111% 117% 138% 135%
0% 0% 0% 0%
111% 117% 138% 135%
105% 108% 115% 110%

111% 123% 133% 146%
110% 136% 139% 109%
120% 133% 152% 163%
91% 94% 113% 127%
106% 113% 123% 126%
101% 110% 108% 117%
110% 124% 134% 128%

123% 107% 110% 95%
118% 136% 159% 138%
120% 101% 105% 91%
91% 94% 113% 288%
-78% 301% -160% -162%
113% 127% 125% 68%
120% 139% 135% 36%
117% 163% 133% 62%
121% 132% 136% 29%
PT BANK NEGARA IN
LAPORAN ARU
(Disajikan dalam Ju

Pendapatan syariah
Pendapatan premi
Beban yang dibayar
Beban bunga
Beban Syariah
Beban Klaim


Saham tresuri
Pembayaran dividen
LAPORAN ARUS KAS
2016 2017 2018 2019

Rp 40,253,309 Rp 44,494,561 Rp 49,572,508 Rp 56,177,837

Rp 2,790,383 Rp 3,174,648 Rp 3,567,329 Rp 4,036,377
Rp 5,596,823 Rp 6,871,380 Rp 5,997,417 Rp 6,158,192
-Rp 12,962,655 -Rp 15,207,118 -Rp 17,367,950 -Rp 21,064,257

-Rp 854,557 -Rp 967,942 -Rp 1,007,842 -Rp 990,498
-Rp 4,255,262 -Rp 5,103,812 -Rp 4,285,560 -Rp 4,461,264
Rp 9,612,498 Rp 10,585,204 Rp 11,540,546 Rp 13,767,574
-Rp 20,816,407 -Rp 19,182,605 -Rp 18,924,886 -Rp 21,321,979
Rp 73,573 -Rp 57,276 Rp 221,316 -Rp 117,517
-Rp 3,583,629 -Rp 3,365,755 -Rp 3,932,801 -Rp 4,082,687
Rp 15,854,076 Rp 21,241,285 Rp 25,380,077 Rp 28,101,778
Rp 31,708,152 Rp 42,482,570 Rp 50,760,154 Rp 56,203,556
-Rp 12,932,452 -Rp 8,672,745 Rp 2,472,482 Rp 6,551,381

-Rp 14,313,878 -Rp 12,695,997 -Rp 10,343,596 Rp 8,683,936
-Rp 2,171,589 -Rp 1,947,526 -Rp 1,945,179 -Rp 1,851,800
Rp 17,755 Rp 41,997 Rp 204,591 Rp 100,137
-Rp 29,400,164 -Rp 23,274,271 -Rp 9,611,702 Rp 13,483,654
Rp 9,864,921 Rp 12,333,663 Rp 6,795,949 Rp 5,273,245

-Rp 139,552 -Rp 3,744,836 Rp - Rp -
Rp 601,819 -Rp 1,374,895 Rp 18,478,977 -Rp 20,010,573
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp 99,953 Rp -
-Rp 2,266,885 -Rp 3,968,562 -Rp 4,765,767 -Rp 3,753,780
Rp 8,060,303 Rp 3,245,370 Rp 20,609,112 -Rp 18,491,108
2020 Trend Dalam %
Jumlah 2016=100%
2017 2018 2019 2020
Rp 52,333,016 111% 123% 140% 130%

Rp 4,028,813 114% 128% 145% 144%
Rp 5,330,499 123% 107% 110% 95%
-Rp 18,478,792 117% 134% 162% 143%

-Rp 919,820 113% 118% 116% 108%
-Rp 3,859,411 120% 101% 105% 91%
Rp 11,267,818 110% 120% 143% 117%
-Rp 22,826,335 92% 91% 102% 110%
-Rp 119,292 -78% 301% -160% -162%
-Rp 1,544,212 94% 110% 114% 43%
Rp 25,212,284 134% 160% 177% 159%
Rp 50,424,568 134% 160% 177% 159%
-Rp 3,834,695 67% -19% -51% 30%

-Rp 6,909,989 89% 72% -61% 48%
-Rp 1,273,440 90% 90% 85% 59%
Rp 26,008 237% 1152% 564% 146%
-Rp 11,992,116 79% 33% -46% 41%
-Rp 13,530,558 125% 69% 53% -137%

Rp - 2683% 0% 0% 0%
Rp 507,305 -228% 3071% -3325% 84%
-Rp 79,449 0% 0% 0% 0%
-Rp 190,348 0% 0% 0% 0%
Rp - 0% 0% 0% 0%
-Rp 3,846,119 175% 210% 166% 170%
-Rp 17,139,169 40% 256% -229% -213%
B.) Analisis Proporsi
PT BANK NEGARA IN
LAPORAN POSISI KEUAN
Untuk Tahun yang Berakhir Pa
(Disajikan dalam Ju
2016
Jumlah %
ASET
Aset Lancar
Kas Rp 11,167,643 1.85%
Giro pada Bank Indonesia Rp 30,146,853 5.00%
Giro pada Bank lain Rp 6,298,019 1.04%
Penempatan pada Bank Indonesia dan Bank lain Rp 33,661,668 5.58%
Efek-efek Rp 23,855,857 3.96%
Cadangan kerugian penurunan nilai -Rp 91,107 -0.02%
Tagihan Wesel Ekspor Rp 8,567,795 1.42%
Obligasi Pemerintah Rp 63,006,339 10.45%
Efek-efek yang Dibeli dengan Janji Dijual Kembali Rp 1,664,750 0.28%
Tagihan Derivatif Rp 249,864 0.04%
Kredit yang Diberikan Rp 393,275,392 65.22%
Cadangan kerugian penurunan nilai -Rp 16,680,865 -2.77%
Tagihan Akseptasi Rp 14,724,394 2.44%
Biaya dibayar dimuka Rp 2,410,891 0.40%
Pajak dibayar dimuka Rp 620,320 0.10%
Jumlah Aset Lancar Rp 572,877,813 95.00%
Aset Tidak Lancar

Penyertaan saham Rp 57,169 0.01%
Aset pajak tangguhan Rp 1,331,508 0.22%
Aset tetap Rp 21,972,223 3.64%
Aset lainnya Rp 6,793,167 1.13%
Jumlah Aset Tidak Lancar Rp 30,154,067 5.00%
JUMLAH ASET Rp 603,031,880 100.00%
LIABILITAS
Liabilitas Segera Rp 3,275,668 0.64%
Total Simpanan Nasabah Rp 415,453,084 80.86%
Simpanan dari Bank lain dan Lembaga Keuangan lainnya Rp 9,735,182 1.89%
Efek-efek yang Dijual dengan Janji Dibeli Kembali Rp 3,764,961 0.73%
Liabilitas Derivatif Rp 410,870 0.08%
Liabilitas Akseptasi Rp 4,358,537 0.85%
Utang Pajak Rp 150,770 0.03%
Beban yang masih harus dibayar Rp 1,047,239 0.20%
Jumlah Liabilitas Jangka Pendek Rp 438,196,311 85.29%

Pinjaman yang Diterima Rp 32,965,422 6.42%
Penyisihan Rp 156,119 0.03%
Efek-efek yang diterbitkan Rp 6,731,115 1.31%
Liabilitas Imbalan Kerja Rp 3,503,202 0.68%
Liabilitas Lain-lain Rp 11,148,956 2.17%
Pinjaman dan Surat Berharga Subordinasi Rp - 0.00%
Dana Syirkah Bukan bank Rp 20,091,829 3.91%
Dana Syirkah Bank Rp 488,926 0.10%
Efek yang diterbitkan bank Rp 496,000 0.10%
Jumlah Liabilitas Jangka Panjang Rp 75,581,569 14.71%
JUMLAH LIABILITAS Rp 513,777,880 100.00%
EKUITAS
Modal Saham Rp 9,054,807 10.14%
Tambahan modal disetor Rp 14,568,468 16.32%
Transaksi dengan kepentingan non pengendali Rp 2,256,999 2.53%
Cadangan Revaluasi Rp 12,285,490 13.76%
Laba (Rugi) yang belum direalisasi atas efek-efek dan obl-Rp 1,888,467 -2.12%
Cadangan Selisih kurs penjabaran Rp 81,715 0.09%
Saldo laba Rp 50,798,322 56.91%
Saham tresuri Rp - 0.00%
Total Ekuitas yang Dapat Didistribusikan Kepada Entitas Rp 87,157,334 97.65%
Kepentingan non-pengendali Rp 2,096,666 2.35%
JUMLAH EKUITAS Rp 89,254,000 100.00%

JUMLAH LIABILITAS DAN EKUITAS Rp 603,031,880
2017 2018 2019

Jumlah % Jumlah % Jumlah %
Rp 11,577,664 1.63% Rp 14,043,846 1.74% Rp 15,361,703 1.82%

Rp 32,700,717 4.61% Rp 35,591,243 4.40% Rp 37,104,091 4.39%
Rp 21,335,150 3.01% Rp 13,133,828 1.62% Rp 14,962,793 1.77%
Rp 28,592,738 4.03% Rp 39,324,445 4.86% Rp 47,776,809 5.65%
Rp 36,358,994 5.13% Rp 32,362,407 4.00% Rp 27,446,870 3.25%
-Rp 309,095 -0.04% -Rp 318,137 -0.04% -Rp 285,119 -0.03%
Rp 15,700,925 2.21% Rp 24,586,862 3.04% Rp 19,207,603 2.27%
Rp 79,849,452 11.26% Rp 86,791,402 10.73% Rp 81,029,020 9.58%
Rp 679,122 0.10% Rp - 0.00% Rp 411,442 0.05%
Rp 216,884 0.03% Rp 605,248 0.07% Rp 312,266 0.04%
Rp 441,313,566 62.22% Rp 512,778,497 63.42% Rp 556,770,947 65.84%
-Rp 14,523,585 -2.05% -Rp 14,891,609 -1.84% -Rp 16,908,871 -2.00%
Rp 18,106,412 2.55% Rp 20,295,277 2.51% Rp 18,558,276 2.19%
Rp 2,318,516 0.33% Rp 2,337,403 0.29% Rp 2,609,259 0.31%
Rp 622,723 0.09% Rp 1,624,418 0.20% Rp 1,049,979 0.12%
Rp 674,540,183 95.10% Rp 768,265,130 95.02% Rp 805,407,068 95.25%
Rp 713,423 0.10% Rp 603,923 0.07% Rp 523,103 0.06%

Rp 890,903 0.13% Rp 1,676,366 0.21% Rp 1,349,343 0.16%
Rp 22,804,689 3.21% Rp 26,126,508 3.23% Rp 26,524,759 3.14%
Rp 10,380,886 1.46% Rp 11,900,084 1.47% Rp 11,800,935 1.40%
Rp 34,789,901 4.90% Rp 40,306,881 4.98% Rp 40,198,140 4.75%
Rp 709,330,084 100.00% Rp 808,572,011 100.00% Rp 845,605,208 100.00%
Rp 4,867,547 0.80% Rp 4,160,295 0.60% Rp 5,272,805 0.73%

Rp 492,747,948 80.99% Rp 552,172,202 79.09% Rp 582,540,625 80.84%
Rp 11,734,207 1.93% Rp 13,874,495 1.99% Rp 11,584,276 1.61%
Rp 2,390,066 0.39% Rp 21,524,329 3.08% Rp 2,183,403 0.30%
Rp 113,820 0.02% Rp 322,028 0.05% Rp 203,054 0.03%
Rp 4,507,331 0.74% Rp 4,416,613 0.63% Rp 5,341,440 0.74%
Rp 80,425 0.01% Rp 481,064 0.07% Rp 567,811 0.08%
Rp 971,479 0.16% Rp 876,347 0.13% Rp 997,259 0.14%
Rp 517,412,823 85.04% Rp 597,827,373 85.62% Rp 608,690,673 84.47%
Rp 44,670,741 7.34% Rp 52,024,506 7.45% Rp 57,235,500 7.94%

Rp 192,406 0.03% Rp 177,519 0.03% Rp 185,019 0.03%
Rp 2,986,279 0.49% Rp 2,987,464 0.43% Rp 2,985,052 0.41%
Rp 4,093,855 0.67% Rp 3,512,266 0.50% Rp 4,392,277 0.61%
Rp 14,730,714 2.42% Rp 14,608,465 2.09% Rp 14,900,956 2.07%
Rp - 0.00% Rp 99,953 0.01% Rp 99,965 0.01%
Rp 23,350,034 3.84% Rp 26,602,572 3.81% Rp 31,770,347 4.41%
Rp 493,928 0.08% Rp 358,104 0.05% Rp 341,471 0.05%
Rp 496,000 0.08% Rp - 0.00% Rp - 0.00%
Rp 91,013,957 14.96% Rp 100,370,849 14.38% Rp 111,910,587 15.53%
Rp 608,426,780 100.00% Rp 698,198,222 100.00% Rp 720,601,260 100.00%
Rp 9,054,807 8.97% Rp 9,054,807 8.20% Rp 9,054,807 7.24%

Rp 14,568,468 14.44% Rp 14,568,468 13.20% Rp 14,568,468 11.65%
Rp 2,256,999 2.24% Rp 2,256,999 2.04% Rp 2,256,999 1.81%
Rp 12,283,125 12.17% Rp 14,978,731 13.57% Rp 14,946,879 11.96%
Rp 22,230 0.02% -Rp 3,913,839 -3.55% -Rp 822,278 -0.66%
Rp 93,155 0.09% Rp 84,886 0.08% Rp 47,199 0.04%
Rp 60,313,505 59.77% Rp 71,046,832 64.37% Rp 79,685,093 63.75%
Rp - 0.00% Rp - 0.00% Rp - 0.00%
Rp 98,592,289 97.71% Rp 108,076,884 97.92% Rp 122,515,579 98.01%
Rp 2,311,015 2.29% Rp 2,296,905 2.08% Rp 2,488,369 1.99%
Rp 100,903,304 100.00% Rp 110,373,789 100.00% Rp 125,003,948 100.00%

Rp 709,330,084 Rp 808,572,011 Rp 845,605,208
2020
Jumlah %
Rp 17,324,047 1.94%
Rp 35,065,701 3.93%
Rp 16,107,788 1.81%
Rp 61,329,259 6.88%
Rp 29,946,816 3.36%
-Rp 260,219 -0.03%
Rp 17,893,534 2.01%
Rp 90,659,318 10.17%
Rp 8,666,091 0.97%
Rp 1,460,614 0.16%
Rp 586,206,787 65.77%
-Rp 44,227,986 -4.96%
Rp 20,575,666 2.31%
Rp 2,807,092 0.31%
Rp 1,049,787 0.12%
Rp 844,604,295 94.76%
Rp 813,087 0.09%
Rp 4,799,832 0.54%
Rp 27,362,400 3.07%
Rp 13,757,811 1.54%
Rp 46,733,130 5.24%
Rp 891,337,425 100.00%
Rp 5,560,702 0.71%
Rp 647,571,744 83.19%
Rp 9,023,031 1.16%
Rp 2,590,268 0.33%
Rp 414,280 0.05%
Rp 5,500,360 0.71%
Rp 1,147,777 0.15%
Rp 1,181,534 0.15%
Rp 672,989,696 86.45%
Rp 44,114,314 5.67%
Rp 1,421,914 0.18%
Rp 2,985,011 0.38%
Rp 6,344,268 0.81%
Rp 18,280,485 2.35%
Rp 99,975 0.01%
Rp 31,880,701 4.10%
Rp 348,862 0.04%
Rp - 0.00%
Rp 105,475,530 13.55%
Rp 778,465,226 100.00%
Rp 9,054,807 8.02%
Rp 14,568,468 12.91%
Rp 2,256,999 2.00%
Rp 14,962,961 13.26%
Rp 2,424,779 2.15%
Rp 23,254 0.02%
Rp 66,980,701 59.34%
-Rp 79,449 -0.07%
Rp 110,192,520 97.63%
Rp 2,679,679 2.37%
Rp 112,872,199 100.00%
Rp 891,337,425
2016 2017
Jumlah Jumlah
ASET
Aset Lancar
Kas Rp 11,167,643 Rp 11,577,664
Efek-efek Rp 23,855,857 Rp 36,358,994
Aset Tidak Lancar

Aset tetap Rp 21,972,223 Rp 22,804,689
JUMLAH ASET Rp 603,031,880 Rp 709,330,084
LIABILITAS

EKUITAS
Modal Saham Rp 9,054,807 Rp 9,054,807
Saldo laba Rp 50,798,322 Rp 60,313,505

DONESIA Tbk
GAN KONSOLIDASI
taan Rupiah)
2018 2019 2020

Jumlah Jumlah Jumlah
Rp 14,043,846 Rp 15,361,703 Rp 17,324,047

Rp 35,591,243 Rp 37,104,091 Rp 35,065,701
Rp 13,133,828 Rp 14,962,793 Rp 16,107,788
Rp 39,324,445 Rp 47,776,809 Rp 61,329,259
Rp 32,362,407 Rp 27,446,870 Rp 29,946,816
-Rp 318,137 -Rp 285,119 -Rp 260,219
Rp 24,586,862 Rp 19,207,603 Rp 17,893,534
Rp 86,791,402 Rp 81,029,020 Rp 90,659,318
Rp - Rp 411,442 Rp 8,666,091
Rp 605,248 Rp 312,266 Rp 1,460,614
Rp 512,778,497 Rp 556,770,947 Rp 586,206,787
-Rp 14,891,609 -Rp 16,908,871 -Rp 44,227,986
Rp 20,295,277 Rp 18,558,276 Rp 20,575,666
Rp 2,337,403 Rp 2,609,259 Rp 2,807,092
Rp 1,624,418 Rp 1,049,979 Rp 1,049,787
Rp 768,265,130 Rp 805,407,068 Rp 844,604,295
Rp 603,923 Rp 523,103 Rp 813,087

Rp 1,676,366 Rp 1,349,343 Rp 4,799,832
Rp 26,126,508 Rp 26,524,759 Rp 27,362,400
Rp 11,900,084 Rp 11,800,935 Rp 13,757,811
Rp 40,306,881 Rp 40,198,140 Rp 46,733,130
Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
Rp 4,160,295 Rp 5,272,805 Rp 5,560,702

Rp 552,172,202 Rp 582,540,625 Rp 647,571,744
Rp 13,874,495 Rp 11,584,276 Rp 9,023,031
Rp 21,524,329 Rp 2,183,403 Rp 2,590,268
Rp 322,028 Rp 203,054 Rp 414,280
Rp 4,416,613 Rp 5,341,440 Rp 5,500,360
Rp 481,064 Rp 567,811 Rp 1,147,777
Rp 876,347 Rp 997,259 Rp 1,181,534
Rp 597,827,373 Rp 608,690,673 Rp 672,989,696
Rp 52,024,506 Rp 57,235,500 Rp 44,114,314

Rp 177,519 Rp 185,019 Rp 1,421,914
Rp 2,987,464 Rp 2,985,052 Rp 2,985,011
Rp 3,512,266 Rp 4,392,277 Rp 6,344,268
Rp 14,608,465 Rp 14,900,956 Rp 18,280,485
Rp 99,953 Rp 99,965 Rp 99,975
Rp 26,602,572 Rp 31,770,347 Rp 31,880,701
Rp 358,104 Rp 341,471 Rp 348,862
Rp - Rp - Rp -
Rp 100,370,849 Rp 111,910,587 Rp 105,475,530
Rp 698,198,222 Rp 720,601,260 Rp 778,465,226
Rp 9,054,807 Rp 9,054,807 Rp 9,054,807

Rp 14,568,468 Rp 14,568,468 Rp 14,568,468
Rp 2,256,999 Rp 2,256,999 Rp 2,256,999
Rp 14,978,731 Rp 14,946,879 Rp 14,962,961
-Rp 3,913,839 -Rp 822,278 Rp 2,424,779
Rp 84,886 Rp 47,199 Rp 23,254
Rp 71,046,832 Rp 79,685,093 Rp 66,980,701
Rp - Rp - -Rp 79,449
Rp 108,076,884 Rp 122,515,579 Rp 110,192,520
Rp 2,296,905 Rp 2,488,369 Rp 2,679,679
Rp 110,373,789 Rp 125,003,948 Rp 112,872,199

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425
31 Des 2016
Jumlah
Pendapatan Bunga Rp 43,768,439
Beban Bunga Rp (13,773,377)
Pendapatan bunga dan Pendapatan syariah neto Rp 29,995,062
31 Des 2017 31 Des 2018 31 Des 2019 31 Des 2020

Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581

Rp - Rp - Rp - Rp -
Rp 11,040,059 Rp 11,612,599 Rp 13,712,398 Rp 13,412,581
Rp (9,277,196) Rp (9,518,738) Rp (10,186,127) Rp (9,750,781)

Rp (6,922,572) Rp (7,667,065) Rp (8,258,709) Rp (9,062,677)
Rp (1,038,713) Rp (1,290,553) Rp (1,312,056) Rp (1,030,410)
Rp (877,307) Rp (970,733) Rp (1,110,996) Rp (1,188,620)
Rp (2,280,604) Rp (2,335,872) Rp (2,819,011) Rp (3,181,268)
Rp (20,396,392) Rp (21,782,961) Rp (23,686,899) Rp (24,213,756)
Rp (9,356,333) Rp (10,170,362) Rp (9,974,501) Rp (10,801,175)
Rp 48,177,849 Rp 54,138,613 Rp 58,532,373 Rp 56,172,871

Rp (16,240,086) Rp (18,692,298) Rp (21,929,999) Rp (19,020,905)
Rp 31,937,763 Rp 35,446,315 Rp 36,602,374 Rp 37,151,966
Rp 6,871,380 Rp 5,997,417 Rp 6,158,192 Rp 5,330,499
Rp (5,103,812) Rp (4,285,560) Rp (4,461,264) Rp (3,859,411)
Rp (7,126,335) Rp (7,388,411) Rp (8,838,178) Rp (22,590,435)
Rp (57,276) Rp 221,316 Rp (117,517) Rp (119,291)
Rp 26,521,720 Rp 29,991,077 Rp 29,343,607 Rp 15,913,328
Rp 17,165,387 Rp 19,820,715 Rp 19,369,106 Rp 5,112,153
Rp (3,394,795) Rp (4,728,952) Rp (3,860,523) Rp (1,790,711)
Rp 13,770,592 Rp 15,091,763 Rp 15,508,583 Rp 3,321,442
PT BANK NEGARA IN
LAPORAN ARU
(Disajikan dalam Ju

Pendapatan syariah
Pendapatan premi
Beban yang dibayar
Beban bunga
Beban Syariah
Beban Klaim


Saham tresuri
Pembayaran dividen
LAPORAN ARUS KAS
2016 2017 2018 2019

Rp 40,253,309 Rp 44,494,561 Rp 49,572,508 Rp 56,177,837

Rp 2,790,383 Rp 3,174,648 Rp 3,567,329 Rp 4,036,377
Rp 5,596,823 Rp 6,871,380 Rp 5,997,417 Rp 6,158,192
-Rp 12,962,655 -Rp 15,207,118 -Rp 17,367,950 -Rp 21,064,257

-Rp 854,557 -Rp 967,942 -Rp 1,007,842 -Rp 990,498
-Rp 4,255,262 -Rp 5,103,812 -Rp 4,285,560 -Rp 4,461,264
Rp 9,612,498 Rp 10,585,204 Rp 11,540,546 Rp 13,767,574
-Rp 20,816,407 -Rp 19,182,605 -Rp 18,924,886 -Rp 21,321,979
Rp 73,573 -Rp 57,276 Rp 221,316 -Rp 117,517
-Rp 3,583,629 -Rp 3,365,755 -Rp 3,932,801 -Rp 4,082,687
Rp 15,854,076 Rp 21,241,285 Rp 25,380,077 Rp 28,101,778
Rp 31,708,152 Rp 42,482,570 Rp 50,760,154 Rp 56,203,556
-Rp 12,932,452 -Rp 8,672,745 Rp 2,472,482 Rp 6,551,381

-Rp 14,313,878 -Rp 12,695,997 -Rp 10,343,596 Rp 8,683,936
-Rp 2,171,589 -Rp 1,947,526 -Rp 1,945,179 -Rp 1,851,800
Rp 17,755 Rp 41,997 Rp 204,591 Rp 100,137
-Rp 29,400,164 -Rp 23,274,271 -Rp 9,611,702 Rp 13,483,654
Rp 9,864,921 Rp 12,333,663 Rp 6,795,949 Rp 5,273,245

-Rp 139,552 -Rp 3,744,836 Rp - Rp -
Rp 601,819 -Rp 1,374,895 Rp 18,478,977 -Rp 20,010,573
Rp - Rp - Rp - Rp -
Rp - Rp - Rp - Rp -
Rp - Rp - Rp 99,953 Rp -
-Rp 2,266,885 -Rp 3,968,562 -Rp 4,765,767 -Rp 3,753,780
Rp 8,060,303 Rp 3,245,370 Rp 20,609,112 -Rp 18,491,108
2020
Jumlah
Rp 52,333,016
Rp 4,028,813
Rp 5,330,499
-Rp 18,478,792
-Rp 919,820
-Rp 3,859,411
Rp 11,267,818
-Rp 22,826,335
-Rp 119,292
-Rp 1,544,212
Rp 25,212,284
Rp 50,424,568
-Rp 3,834,695
-Rp 6,909,989
-Rp 1,273,440
Rp 26,008
-Rp 11,992,116
-Rp 13,530,558
Rp -
Rp 507,305
-Rp 79,449
-Rp 190,348
Rp -
-Rp 3,846,119
-Rp 17,139,169

014 - 018 - Tata Firmansyah

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Menjadi Lembaga Keuangan yang unggul dalam layanan d

Memberikan layanan prima dan solusi digital kepada seluruh Nas

unggul dalam layanan dan kinerja secara berkelanjutan.

gital kepada seluruh Nasabah selaku Mitra Bisnis pilihan utama.

Aset Tidak Lancar

JUMLAH ASET Rp 603,031,880 Rp 709,330,084

JUMLAH LIABILITAS Rp 513,777,880 Rp 608,426,780

JUMLAH EKUITAS Rp 89,254,000 Rp 100,903,304

ARUS KAS DARI AKTIVITAS INVESTASI

ARUS KAS DARI KEGIATAN PENDANAAN

Rp 14,043,846 Rp 15,361,703 Rp 17,324,047 0.21%

Rp 603,923 Rp 523,103 Rp 813,087 0.20%

Rp 808,572,011 Rp 845,605,208 Rp 891,337,425 21.75%

Rp 4,160,295 Rp 5,272,805 Rp 5,560,702 0.09%

Rp 698,198,222 Rp 720,601,260 Rp 778,465,226 20.00%

Rp 9,054,807 Rp 9,054,807 Rp 9,054,807 0.48%

Rp 110,373,789 Rp 125,003,948 Rp 112,872,199 6.04%

Rp (9,518,738) Rp (10,186,127) Rp (9,750,781) 43.23%

Rp 54,138,613 Rp 58,532,373 Rp 56,172,871 -249.05%

Rp 49,572,508 Rp 56,177,837 Rp 52,333,016 12.75%

-Rp 17,367,950 -Rp 21,064,257 -Rp 18,478,792 -4.50%

Rp 2,472,482 Rp 6,551,381 -Rp 3,834,695 -6.42%

Rp 6,795,949 Rp 5,273,245 -Rp 13,530,558 16.37%

Rp 17,360,235 0.30% Rp 17,412,073 0.42% Rp 17,484,518

Rp 814,723 0.29% Rp 817,068 0.40% Rp 820,351

Rp 937,257,540 32.63% Rp 1,011,873,699 48.94% Rp 1,138,067,274

Rp 5,565,901 0.13% Rp 5,572,972 0.16% Rp 5,582,153

Rp 851,751,008 30.00% Rp 973,768,477 44.99% Rp 1,187,057,826

Rp 9,098,686 0.35% Rp 9,130,984 0.52% Rp 9,178,268

Rp 232,251,061 9.06% Rp 239,653,764 13.59% Rp 251,287,043

Rp (13,966,259) 65.00% Rp (23,044,328) 90.00% Rp (43,784,222)

Rp (83,728,278) 265.00% Rp (305,608,214) 298.00% Rp (1,216,320,690)

Rp 59,007,081 17.77% Rp 69,491,506 25.02% Rp 86,879,602

-Rp 17,646,672 -5.31% -Rp 16,708,976 -6.02% -Rp 15,703,693

-Rp 3,588,579 -9.89% -Rp 3,233,521 -15.38% -Rp 2,736,081

-Rp 15,746,019 25.07% -Rp 19,694,149 38.70% -Rp 27,315,821

0.56% Rp 17,581,919 0.70% Rp 17,705,060

0.54% Rp 824,785 0.69% Rp 830,450

73.41% Rp 1,364,561,218 110.12% Rp 1,807,965,045

0.20% Rp 5,593,297 0.22% Rp 5,605,602

67.49% Rp 1,586,586,225 101.24% Rp 2,410,346,438

0.74% Rp 9,246,613 1.05% Rp 9,343,451

20.39% Rp 270,004,743 30.58% Rp 301,215,683

Year + 4 2024 Year + 5 2025

300.00% Rp (4,865,282,761) 307.50% Rp (19,826,027,252)

Year + 4 2024 Year + 5 2025

35.89% Rp 118,057,746 52.77% Rp 180,357,971

-6.49% -Rp 14,685,059 -6.56% -Rp 13,721,115

-24.08% -Rp 2,077,275 -37.56% -Rp 1,296,953

60.25% -Rp 43,773,629 94.42% -Rp 85,106,850

pound Annual Growth Rate 10.18%

Total Liabilitas Jangk

Total Liabilitas Jangka Pendek Total Liabilita

Total Liabilitas Jangka Panjang

2. Liabilities to shareholders' Total Liabilities

3. Long-Term Debt to Long- Long-Term Debt

4. Long-Term Debt to Long-Term Debt

Interest Coverage Ratio

1. Interest Coverage Ratio

2. Interest Coverage Ratio

Operating Cash Flow To Total

Operating Cash Flow To Total Cash Flow From Operations