[1000000] General information
Informasi umum
Nama entitas
Penjelasan perubahan nama dari akhir
periode laporan sebelumnya
Kode entitas
Nomor identifikasi entitas
Industri utama entitas
Sektor
Subsektor
Informasi pemegang saham pengendali
Jenis entitas
Jenis efek yang dicatatkan
Jenis papan perdagangan tempat entitas
tercatat
Apakah merupakan laporan keuangan satu Entitas grup / Group Whether the financial statements are of an
entitas atau suatu kelompok entitas
Periode penyampaian laporan keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan jika 14,369.00000
mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam
penyajian jumlah dalam laporan keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf
pendapat untuk penekanan atas suatu
masalah atau paragraf penjelasan lainnya,
jika ada
Hasil penugasan review
Tanggal laporan audit atau hasil laporan
review
Auditor tahun berjalan
Nama partner audit tahun berjalan
Lama tahun penugasan partner yang
menandatangani
Auditor tahun sebelumnya
Nama partner audit tahun sebelumnya
Kepatuhan terhadap pemenuhan
peraturan BAPEPAM LK VIII G 11 tentang
tanggung jawab direksi atas laporan
keuangan
General information
31 March 2022
PT Bank Central Asia Tb Entity name
Explanation of change in name from the
end of the preceding reporting period
BBCA Entity code
AA331 Entity identification number
Keuangan dan Syariah / Entity main industry
8. Finance Sector
81. Bank Subsector
National Corporation Controlling shareholder information
Local Company - Type of entity
Indonesia
Saham dan Obligasi / S Type of listed securities
Type of board on which the entity is listed
entity individual entity or a group of entities
Period of financial statements submissions
Kuartal I / First Quarter
2022-01-01 Current period start date
2022-03-31 Current period end date
2021-12-31 Prior year end date
2021-01-01 Prior period start date
2021-03-31 Prior period end date
Rupiah / IDR Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than rupiah
Level of rounding used in financial
statements
Jutaan / In Million
Tidak Diaudit / Unaudit Type of report on financial statements
Type of auditor's opinion
Matters disclosed in emphasis-of-matter or
other-matter paragraph, if any
Result of review engagement
Date of auditor's opinion or result of review
report
Current year auditor
Name of current year audit signing partner
Number of years served as audit signing
partner
Prior year auditor
Name of prior year audit signing partner
Ya / Yes Whether in compliance with BAPEPAM LK
VIII G 11 rules concerning responsibilities
of board of directors on financial
statements
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with BAPEPAM LK
peraturan BAPEPAM LK VIII A dua VIII A two rules concerning independence
tentang independensi akuntan yang of accountant providing audit services in
memberikan jasa audit di pasar modal capital market
[4220000] Statement of financial position presented using order of liquidity - Financial and Sh
Industry

Laporan posisi keuangan Statement of financial

position
31 March 2022 31 December 2021
Aset Assets
Kas 17,071,566 23,615,635 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada bank indonesia 72,868,901 65,785,161 Current accounts with bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 11,759,022 11,605,371 Current accounts with other banks
third parties
Giro pada bank lain pihak berelasi Current accounts with other banks
related parties
Cadangan kerugian penurunan nilai (452) (537) Allowance for impairment losses for
pada giro pada bank lain current accounts with other bank
Penempatan pada bank indonesia dan Placements with bank Indonesia and
bank lain other banks
Penempatan pada bank indonesia dan 62,565,188 87,153,137 Placements with bank Indonesia and
bank lain pihak ketiga other banks third parties
Penempatan pada bank indonesia dan Placements with bank Indonesia and
bank lain pihak berelasi other banks related parties
Cadangan kerugian penurunan nilai (3,412) (4,132) Allowance for impairment losses for
pada penempatan pada bank lain placements with other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak ketiga Insurance receivables third parties
Piutang asuransi pihak berelasi Insurance receivables related parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada piutang asuransi insurance receivables
Biaya akuisisi tangguhan Deferred acquisition costs
Deposito pada lembaga kliring dan Deposits to clearing and settlement
penjaminan guarantee institution
Efek-efek yang diperdagangkan Marketable securities
Efek-efek yang diperdagangkan pihak 3,236,199 1,117,078 Marketable securities third parties
ketiga
Efek-efek yang diperdagangkan pihak Marketable securities related parties
berelasi
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada efek-efek yang diperdagangkan marketable securities
Investasi pemegang polis pada kontrak Investments of policyholder in unit-linked
unit-linked contracts
Efek yang dibeli dengan janji dijual 201,061,217 147,064,861 Securities purchased under agreement to
kembali resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya 6,025,054 6,358,633 Bills and other receivables third parties
pihak ketiga
Wesel ekspor dan tagihan lainnya Bills and other receivables related
pihak berelasi parties
Cadangan kerugian penurunan nilai (40,612) (46,661) Allowance for impairment losses for
pada wesel ekspor dan tagihan lainnya bills and other receivables

Tagihan akseptasi Acceptance receivables

 Tagihan akseptasi pihak ketiga
Tagihan akseptasi pihak berelasi
Cadangan kerugian penurunan nilai
pada tagihan akseptasi
Tagihan derivatif
Tagihan derivatif pihak ketiga
Tagihan derivatif pihak berelasi
Pinjaman yang diberikan
Pinjaman yang diberikan pihak ketiga
Pinjaman yang diberikan pihak
berelasi
Cadangan kerugian penurunan nilai
pada pinjaman yang diberikan
Piutang dari lembaga kliring dan
penjaminan
Piutang nasabah
Piutang nasabah pihak ketiga
Piutang nasabah pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang nasabah
Piutang murabahah
Piutang murabahah pihak ketiga
Piutang murabahah pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang murabahah
Piutang istishna
Piutang istishna pihak ketiga
Piutang istishna pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang istishna
Piutang ijarah
Piutang ijarah pihak ketiga
Piutang ijarah pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang ijarah
Piutang pembiayaan konsumen
Piutang pembiayaan konsumen pihak
ketiga
Piutang pembiayaan konsumen pihak
berelasi
Cadangan kerugian penurunan nilai
pada piutang pembiayaan konsumen
Pinjaman qardh
Pinjaman qardh pihak ketiga
Pinjaman qardh pihak berelasi
Cadangan kerugian penurunan nilai
pada pinjaman qardh
Pembiayaan mudharabah
13,816,958 11,460,314 Acceptance receivables third parties
Acceptance receivables related parties
(222,491) (519,284) Allowance for impairment losses for
acceptance receivables
Derivative receivables
760,560 1,330,085 Derivative receivables third parties
Derivative receivables related parties
Loans
611,533,626 613,130,276 Loans third parties
9,608,358 8,883,029 Loans related parties
(34,948,879) (32,199,727) Allowance for impairment losses for
loans
Receivables from clearing and settlement
guarantee institution
Receivables from customers
6,645,795 6,248,459 Receivables from customers third
parties
Receivables from customers related
parties
(341,961) (254,672) Allowance for impairment losses for
receivables from customers
Murabahah receivables
Murabahah receivables third parties
Murabahah receivables related parties
Allowance for impairment losses for
murabahah receivables
Istishna receivables
Istishna receivables third parties
Istishna receivables related parties
Allowance for impairment losses for
istishna receivables
Ijarah receivables
Ijarah receivables third parties
Ijarah receivables related parties
Allowance for impairment losses for
ijarah receivables
Consumer financing receivables
9,252,495 8,640,233 Consumer financing receivables third
parties
Consumer financing receivables
related parties
(788,487) (784,257) Allowance for impairment losses for
consumer financing receivables
Qardh funds
Qardh funds third parties
Qardh funds related parties
Allowance for impairment losses for
qardh funds
Mudharabah financing
 Pembiayaan mudharabah pihak ketiga
Pembiayaan mudharabah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan mudharabah
Pembiayaan musyarakah
Pembiayaan musyarakah pihak ketiga
Pembiayaan musyarakah pihak
berelasi
Cadangan kerugian penurunan nilai
pada pembiayaan musyarakah
Investasi sewa
Investasi sewa pihak ketiga
Investasi sewa pihak berelasi
Investasi sewa nilai residu yang
terjamin
Investasi sewa pendapatan
pembiayaan tangguhan
Investasi sewa simpanan jaminan
Cadangan kerugian penurunan nilai
pada investasi sewa
Tagihan anjak piutang
Tagihan anjak piutang pihak ketiga
Tagihan anjak piutang pihak berelasi
Tagihan anjak piutang pada
pendapatan anjak piutang tangguhan
Cadangan kerugian penurunan nilai
pada tagihan anjak piutang
Piutang lainnya
Piutang lainnya pihak ketiga
Piutang lainnya pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang lainnya
Aset keuangan lainnya
Obligasi pemerintah
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
dijual
Aset tidak lancar atau kelompok lepasan
diklasifikasikan sebagai dimiliki untuk
didistribusikan kepada pemilik
Uang muka
Biaya dibayar dimuka
Jaminan
Pajak dibayar dimuka
Klaim atas pengembalian pajak
Aset pajak tangguhan
Investasi yang dicatat dengan
menggunakan metode ekuitas
Investasi pada entitas anak, ventura
bersama, dan entitas asosiasi
Mudharabah financing third parties
Mudharabah financing related parties
Allowance for impairment losses for
mudharabah financing
Musyarakah financing
Musyarakah financing third parties
Musyarakah financing related parties
Allowance for impairment losses for
musyarakah financing
Lease investments
90,514 84,992 Lease investments third parties
Lease investments related parties
Lease investments guaranteed
residual value
Lease investments deferred financing
income
Lease investments guarantee deposits
(902) (847) Allowance for impairment losses for
lease investments
Factoring receivables
Factoring receivables third parties
Factoring receivables related parties
Factoring receivables on deferred
factoring income
Allowance for impairment losses for
factoring receivables
Other receivables
Other receivables third parties
Other receivables related parties
Allowance for impairment losses for
other receivables
130,781,018 141,162,132 Other financial assets
92,253,143 83,070,284 Government bonds
Non-current assets or disposal groups
classified as held-for-sale
Non-current assets or disposal groups
classified as held-for-distribution to
owners
Advances
838,935 631,488 Prepaid expenses
Guarantees
31,187 28,786 Prepaid taxes
Claims for tax refund
6,134,320 5,525,516 Deferred tax assets
Investments accounted for using equity
method
Investments in subsidiaries, joint ventures
and associates
 Investasi pada entitas anak Investments in subsidiaries
Investasi pada entitas ventura Investments in joint ventures
bersama
Investasi pada entitas asosiasi Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill 1,158,201 1,158,201 Goodwill
Aset takberwujud selain goodwill 365,276 424,091 Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 22,177,450 22,169,299 Property and equipment
Agunan yang diambil alih Foreclosed assets
Aset pengampunan pajak Tax amnesty assets
Aset lainnya 15,747,605 15,507,736 Other assets
Jumlah aset 1,259,435,392 1,228,344,680 Total assets
Liabilitas, dana syirkah temporer dan Liabilities, temporary syirkah funds and
ekuitas equity
Liabilitas Liabilities
Liabilitas segera Obligations due immediately
Bagi hasil yang belum dibagikan Undistributed profit sharing
Dana simpanan syariah 1,907,763 1,620,039 Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 297,193,041 282,325,380 Current accounts third parties
Giro pihak berelasi 2,617,800 2,269,054 Current accounts related parties
Giro wadiah Wadiah demand deposits
Giro wadiah pihak ketiga Wadiah demand deposits third
parties
Giro wadiah pihak berelasi Wadiah demand deposits related
parties
Tabungan Savings
Tabungan pihak ketiga 495,030,325 479,792,853 Savings third parties
Tabungan pihak berelasi 558,545 206,745 Savings related parties
Tabungan wadiah Wadiah savings
Tabungan wadiah pihak ketiga Wadiah savings third parties
Tabungan wadiah pihak berelasi Wadiah savings related parties
Deposito berjangka Time deposits
Deposito berjangka pihak ketiga 194,293,248 203,758,148 Time deposits third parties
Deposito berjangka pihak berelasi 470,527 254,564 Time deposits related parties

Deposito wakalah Wakalah deposits

Deposito wakalah pihak ketiga Wakalah deposits third parties
Deposito wakalah pihak berelasi Wakalah deposits related parties
Simpanan dari bank lain 7,628,958 10,017,194 Other banks deposits
Efek yang dijual dengan janji untuk 264,725 77,021 Securities sold with repurchase
dibeli kembali agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 89,144 55,162 Derivative payables third parties
Liabilitas derivatif pihak berelasi Derivative payables related parties
Utang asuransi Insurance payables
 Liabilitas kepada pemegang polis unit- Liabilities to policyholder in unit-linked
linked contracts
Utang bunga Interest payables
Liabilitas akseptasi 9,526,139 6,644,294 Acceptance payables
Utang usaha Accounts payable
Uang muka dan angsuran Advances and installments
Utang dividen Dividends payable
Utang dealer Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima pihak ketiga 731,944 976,225 Borrowings third parties

Pinjaman yang diterima pihak Borrowings related parties

berelasi
Pinjaman yang diterima utang pada Borrowings payables to clearing and
lembaga kliring dan penjaminan settlement guarantee institution
Efek yang diterbitkan Securities issued
Obligasi 482,390 482,149 Bonds
Sukuk ijarah Ijarah sukuk
Surat utang jangka menengah 0 0 Mid-term loans
Efek yang diterbitkan lainnya 500,000 500,000 Others securities issued
Liabilitas kontrak asuransi Insurance contract liabilities
Utang perusahaan efek Securities company payables
Provisi Provisions
Pendapatan ditangguhkan Deferred income
Liabilitas sewa pembiayaan Finance lease liabilities
Estimasi kerugian komitmen dan 3,286,749 3,239,171 Estimated losses on commitments and
kontinjensi contingencies
Beban akrual Accrued expenses
Utang pajak 2,689,448 1,819,660 Taxes payable
Liabilitas pajak tangguhan 0 0 Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 34,187,166 18,479,001 Other liabilities
Kewajiban imbalan pasca kerja 7,459,637 7,257,098 post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga Subordinated loans third parties
Pinjaman subordinasi pihak berelasi Subordinated loans related parties

Jumlah liabilitas 1,058,917,549 1,019,773,758 Total liabilities

Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga Mudharabah current account third
parties
Giro berjangka mudharabah pihak Mudharabah current account
berelasi related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak 851,075 798,066 Mudharabah saving deposits third
ketiga parties
Tabungan mudharabah pihak Mudharabah saving deposits
berelasi related parties
Deposito berjangka mudharabah Mudharabah time deposits
 Deposito berjangka mudharabah 4,838,656 4,923,922 Mudharabah time deposits third
pihak ketiga parties
Deposito berjangka mudharabah Mudharabah time deposits related
pihak berelasi parties
Bank Bank
Giro mudharabah Mudharabah current account
Tabungan mudharabah (ummat) Mudharabah saving deposits
(ummat)
Deposito berjangka mudharabah Mudharabah time deposits
Efek yang diterbitkan bank Bank securities issued
Investasi mudharabah antar bank Interbank mudharabah investments
Sukuk mudharabah Mudharabah sukuk
Sukuk mudharabah subordinasi Subordinated mudharabah sukuk
Jumlah dana syirkah temporer 5,689,731 5,721,988 Total temporary syirkah funds
Jumlah akumulasi dana tabarru Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada Equity attributable to equity owners of
pemilik entitas induk parent entity
Saham biasa 1,540,938 1,540,938 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 5,548,977 5,548,977 Additional paid-in capital
Saham tresuri Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Cadangan revaluasi 9,521,504 9,521,504 Revaluation reserves
Cadangan selisih kurs penjabaran 379,888 377,660 Reserve of exchange differences on
translation
Cadangan perubahan nilai wajar aset 4,845,078 6,142,177 Reserve for changes in fair value of
keuangan tersedia untuk dijual available-for-sale financial assets
Cadangan keuntungan (kerugian) Reserve of gains (losses) from
investasi pada instrumen ekuitas investments in equity instruments
Cadangan pembayaran berbasis Reserve of share-based payments
saham
Cadangan lindung nilai arus kas Reserve of cash flow hedges
Cadangan pengukuran kembali Reserve of remeasurements of
program imbalan pasti defined benefit plans
Cadangan lainnya Other reserves
Komponen ekuitas lainnya 1,385 1,385 Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan Appropriated retained earnings
penggunaanya
Cadangan umum dan wajib 2,826,792 2,512,565 General and legal reserves
Cadangan khusus Specific reserves
Saldo laba yang belum ditentukan 170,024,756 177,067,556 Unappropriated retained earnings
penggunaannya
Jumlah ekuitas yang diatribusikan 194,689,318 202,712,762 Total equity attributable to equity
kepada pemilik entitas induk owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 138,794 136,172 Non-controlling interests
Jumlah ekuitas 194,828,112 202,848,934 Total equity
Jumlah liabilitas, dana syirkah temporer 1,259,435,392 1,228,344,680 Total liabilities, temporary syirkah funds
dan ekuitas and equity
l and Sharia
[4322000] Statement of profit or loss and other comprehensive income, OCI components pres
before tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or loss

penghasilan komprehensif and other comprehensive
lain income

31 March 2022 31 March 2021

Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 16,397,421 16,520,901 Interest income
Beban bunga (1,976,149) (2,470,241) Interest expenses
Pendapatan pengelolaan dana oleh bank Revenue from fund management as
sebagai mudharib mudharib
Hak pihak ketiga atas bagi hasil dana Third parties share on return of temporary
syirkah temporer syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi Revenue from insurance premiums
Premi reasuransi Reinsurance premiums
Premi retrosesi Retrocession premiums
Penurunan (kenaikan) premi yang Decrease (increase) in unearned
belum merupakan pendapatan premiums
Penurunan (kenaikan) pendapatan Decrease (increase) in premium
premi disesikan kepada reasuradur income ceded to reinsurancer
Pendapatan komisi asuransi Insurance commission income
Pendapatan bersih investasi Net investment income
Penerimaan ujrah Ujrah received
Pendapatan asuransi lainnya Other insurance income
Beban asuransi Insurance expenses
Beban klaim Claim expenses
Klaim reasuransi Reinsurance claims
Klaim retrosesi Retrocession claims
Kenaikan (penurunan) estimasi Increase (decrease) in estimated
liabilitas klaim claims liability
Kenaikan (penurunan) liabilitas Increase (decrease) in liability for
manfaat polis masa depan future policy benefit
Kenaikan (penurunan) provisi yang Increase (decrease) in provision for
timbul dari tes kecukupan liabilitas losses arising from liability adequacy
test
Kenaikan (penurunan) liabilitas Increase (decrease) in insurance
asuransi yang disesikan kepada liabilities ceded to reinsurers
reasuradur
Kenaikan (penurunan) liabilitas Increase (decrease) in liabilities to
pemegang polis pada kontrak unit- policyholder in unit-linked contracts
linked
Beban komisi asuransi Insurance commission expenses
Ujrah dibayar Ujrah paid
Beban akuisisi dari kontrak asuransi Acquisition costs of insurance
contracts
Beban asuransi lainnya Other insurance expenses
Pendapatan dari pembiayaan Financing income
Pendapatan dari pembiayaan Revenue from consumer financing
konsumen
 Pendapatan dari sewa pembiayaan
Pendapatan dari sewa operasi
Pendapatan dari anjak piutang
Pendapatan sekuritas
Pendapatan kegiatan penjamin emisi
dan penjualan efek
Pendapatan pembiayaan transaksi
nasabah
Pendapatan jasa biro administrasi efek
Pendapatan kegiatan jasa manajer
investasi
Pendapatan kegiatan jasa penasehat
keuangan
Keuntungan (kerugian) dari transaksi
perdagangan efek yang telah
direalisasi
Keuntungan (kerugian) perubahan nilai
wajar efek
Pendapatan operasional lainnya
Pendapatan investasi
Pendapatan provisi dan komisi dari
transaksi lainnya selain kredit
Pendapatan transaksi perdagangan
Pendapatan dividen
Keuntungan (kerugian) yang telah
direalisasi atas instrumen derivatif
Penerimaan kembali aset yang telah
dihapusbukukan
Keuntungan (kerugian) selisih kurs
mata uang asing
Keuntungan (kerugian) pelepasan aset
tetap
Keuntungan (kerugian) pelepasan
agunan yang diambil alih
Pendapatan operasional lainnya
Pemulihan penyisihan kerugian
penurunan nilai
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan - sewa
pembiayaan
Pemulihan penyisihan kerugian
penurunan nilai aset keuangan -
piutang pembiayaan konsumen
Pemulihan penyisihan kerugian
penurunan nilai aset non-keuangan
Pemulihan penyisihan kerugian
penurunan nilai aset non-keuangan -
agunan yang diambil alih
Pemulihan penyisihan estimasi
kerugian atas komitmen dan
kontinjensi
Pembentukan kerugian penurunan nilai
Revenue from finance lease
Revenue from operating lease
Revenue from factoring
Securities income
Revenue from underwriting activities
and selling fees
Revenue from financing transactions
Revenue from securities administration
service
Revenue from investment
management services
Revenue from financial advisory
services
Realised gains (losses) on trading of
marketable securities
Gains (losses) on changes in fair value
of marketable securities
Other operating income
Investments income
Provisions and commissions income
from transactions other than loan
97,098 (217,060) Revenue from trading transactions
0 0 Dividends income
578,732 821,249 Realised gains (losses) from derivative
instruments
Revenue from recovery of written-off
assets
Gains (losses) on changes in foreign
exchange rates
Gains (losses) on disposal of property
and equipment
Gains (losses) on disposal of
foreclosed assets
5,456,216 4,551,047 Other operating income
Recovery of impairment loss
(2,900,870) (2,214,434) Recovery of impairment loss of
financial assets
Recovery of impairment loss of
financial assets finance lease
Recovery of impairment loss of
financial assets consumer financing
receivables
Recovery of impairment loss of non-
financial assets
Recovery of impairment loss of non-
financial assets repossessed
collaterals
Recovery of estimated loss of
commitments and contingency
Allowances for impairment losses
 Pembentukan penyisihan kerugian
penurunan nilai aset produktif
Pembentukan penyisihan kerugian
penurunan nilai aset non-produktif
Pembalikan (beban) estimasi kerugian
komitmen dan kontijensi
Beban operasional lainnya
Beban umum dan administrasi
Beban penjualan
Beban sewa, pemeliharaan, dan
perbaikan
Beban provisi dan komisi
Beban operasional lainnya
Jumlah laba operasional
Pendapatan dan beban bukan operasional
Pendapatan bukan operasional
Beban bukan operasional
Bagian atas laba (rugi) entitas asosiasi
yang dicatat dengan menggunakan
metode ekuitas
Bagian atas laba (rugi) entitas ventura
bersama yang dicatat menggunakan
metode ekuitas
Jumlah laba (rugi) sebelum pajak
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi yang
dilanjutkan
Laba (rugi) dari operasi yang dihentikan
Jumlah laba (rugi)
Pendapatan komprehensif lainnya,
sebelum pajak
Pendapatan komprehensif lainnya yang
tidak akan direklasifikasi ke laba rugi,
sebelum pajak
Pendapatan komprehensif lainnya atas
keuntungan (kerugian) hasil revaluasi
aset tetap, sebelum pajak
Pendapatan komprehensif lainnya atas
pengukuran kembali kewajiban
manfaat pasti, sebelum pajak
Penyesuaian lainnya atas pendapatan
komprehensif lainnya yang tidak akan
direklasifikasi ke laba rugi, sebelum
pajak
Jumlah pendapatan komprehensif
lainnya yang tidak akan direklasifikasi
ke laba rugi, sebelum pajak
Pendapatan komprehensif lainnya yang
akan direklasifikasi ke laba rugi, sebelum
pajak
82,815 (1,039,507) Allowances for impairment losses on
earnings assets
(0) Allowances for impairment losses on
non-earnings assets
Reversal (expense) of estimated losses
on commitments and contingencies
Other operating expenses
(3,268,262) (2,827,010) General and administrative expenses
Selling expenses
Rent, maintenance and improvement
expenses
(55) (53) Other fees and commissions expenses
(4,513,622) (4,443,749) Other operating expenses
9,953,324 8,681,143 Total profit from operation
Non-operating income and expense
Non-operating income
Non-operating expenses
Share of profit (loss) of associates
accounted for using equity method
Share of profit (loss) of joint ventures
accounted for using equity method
9,953,324 8,681,143 Total profit (loss) before tax
(1,885,576) (1,638,021) Tax benefit (expenses)
8,067,748 7,043,122 Total profit (loss) from continuing
operations
Profit (loss) from discontinued operations
8,067,748 7,043,122 Total profit (loss)
Other comprehensive income, before tax
Other comprehensive income that will not
be reclassified to profit or loss, before tax
0 Other comprehensive income for gains
(losses) on revaluation of property and
equipment, before tax
0 Other comprehensive income for
remeasurement of defined benefit
obligation, before tax
Other adjustments to other
comprehensive income that will not be
reclassified to profit or loss, before tax
0 Total other comprehensive income that
will not be reclassified to profit or loss,
before tax
Other comprehensive income that may be
reclassified to profit or loss, before tax
 Keuntungan (kerugian) selisih kurs
penjabaran, sebelum pajak
Penyesuaian reklasifikasi selisih kurs
penjabaran, sebelum pajak
Keuntungan (kerugian) yang belum
direalisasi atas perubahan nilai wajar
aset keuangan yang tersedia untuk
dijual, sebelum pajak
Penyesuaian reklasifikasi atas aset
keuangan tersedia untuk dijual,
sebelum pajak
Keuntungan (kerugian) lindung nilai
arus kas, sebelum pajak
Penyesuaian reklasifikasi atas lindung
nilai arus kas, sebelum pajak
Nilai tercatat dari aset (liabilitas) non-
keuangan yang perolehan atau
keterjadiannya merupakan suatu
prakiraan transaksi yang kemungkinan
besar terjadi yang dilindung nilai,
sebelum pajak
Keuntungan (kerugian) lindung nilai
investasi bersih kegiatan usaha luar
negeri, sebelum pajak
Penyesuaian reklasifikasi atas lindung
nilai investasi bersih kegiatan usaha
luar negeri, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas asosiasi yang
dicatat dengan menggunakan metode
ekuitas, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas ventura bersama
yang dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Penyesuaian lainnya atas pendapatan
komprehensif lainnya yang akan
direklasifikasi ke laba rugi, sebelum
pajak
Jumlah pendapatan komprehensif
lainnya yang akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif
lainnya, sebelum pajak
Pajak atas pendapatan komprehensif
lainnya
Jumlah pendapatan komprehensif lainnya,
setelah pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat diatribusikan
Laba (rugi) yang dapat diatribusikan ke
entitas induk
Laba (rugi) yang dapat diatribusikan ke
kepentingan non-pengendali
Laba rugi komprehensif yang dapat
diatribusikan
2,228 16,904 Gains (losses) on exchange
differences on translation, before tax
Reclassification adjustments on
exchange differences on translation,
before tax
(1,601,177) (2,825,368) Unrealised gains (losses) on changes
in fair value of available-for-sale
financial assets, before tax
Reclassification adjustments on
available-for-sale financial assets,
before tax
Gains (losses) on cash flow hedges,
before tax
Reclassification adjustments on cash
flow hedges, before tax
Carrying amount of non-financial asset
(liability) whose acquisition or
incurrence was hedged on highly
probable forecast transaction, adjusted
from equity, before tax
Gains (losses) on hedges of net
investments in foreign operations,
before tax
Reclassification adjustments on
hedges of net investments in foreign
operations, before tax
Share of other comprehensive income
of associates accounted for using
equity method, before tax
Share of other comprehensive income
of joint ventures accounted for using
equity method, before tax
0 Other adjustments to other
comprehensive income that may be
reclassified to profit or loss, before tax
(1,598,949) (2,808,464) Total other comprehensive income that
may be reclassified to profit or loss,
before tax
(1,598,949) (2,808,464) Total other comprehensive income,
before tax
303,385 535,561 Tax on other comprehensive income
(1,295,564) (2,272,903) Total other comprehensive income, after
tax
6,772,184 4,770,219 Total comprehensive income
Profit (loss) attributable to
8,064,433 7,039,710 Profit (loss) attributable to parent entity
3,315 3,412 Profit (loss) attributable to non-controlling
interests
Comprehensive income attributable to
 Laba rugi komprehensif yang dapat
diatribusikan ke entitas induk
Laba rugi komprehensif yang dapat
diatribusikan ke kepentingan non-
pengendali
Laba (rugi) per saham
Laba per saham dasar diatribusikan
kepada pemilik entitas induk
Laba (rugi) per saham dasar dari
operasi yang dilanjutkan
Laba (rugi) per saham dasar dari
operasi yang dihentikan
Laba (rugi) per saham dilusian
Laba (rugi) per saham dilusian dari
operasi yang dilanjutkan
Laba (rugi) per saham dilusian dari
operasi yang dihentikan
6,769,562 4,767,948 Comprehensive income attributable to
parent entity
2,622 2,271 Comprehensive income attributable to
non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to
equity owners of the parent entity
65.00 57.00 Basic earnings (loss) per share from
continuing operations
Basic earnings (loss) per share from
discontinued operations
Diluted earnings (loss) per share
65.00 57.00 Diluted earnings (loss) per share from
continuing operations
Diluted earnings (loss) per share from
discontinued operations
ents presented
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 March 2022

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 1,540,938 5,548,977
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan akuntansi
secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya 0 0 0
Posisi ekuitas, awal periode 1,540,938 0 5,548,977

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat
dikonversi
Kenaikan (penurunan) ekuitas
melalui transaksi saham tresuri

Kenaikan (penurunan) ekuitas

melalui transaksi pembayaran
berbasis saham
Pelaksanaan instrumen yang dapat
dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas
melalui transaksi dengan pemilik
ekuitas
Setoran modal dari kepentingan
non-pengendali
Perubahan kepentingan non-
pengendali atas akuisisi entitas
anak
Perubahan kepentingan non-
pengendali atas pendirian entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan operasi
yang dihentikan
Perubahan kepentingan non-
pengendali atas pelepasan
sebagian kepemilikan pada entitas
anak yang tidak mengakibatkan
hilangnya pengendalian

Perubahan kepentingan non-

pengendali atas transaksi lainnya
dengan kepentingan non-
pengendali
Eliminasi defisit dalam rangka kuasi
reorganisasi
Pelaksanaan opsi saham
Dampak penerapan PSAK No. 70
atas aset pengampunan pajak
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977
nt Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

9,521,504

0 0 0 9,521,504
9,521,504

Cadangan selisih kurs
penjabaran
Reserve of exchange
differences on translation
Cadangan perubahan nilai Cadangan keuntungan
wajar aset keuangan (kerugian) investasi pada Cadangan pembayaran
tersedia untuk dijual instrumen ekuitas berbasis saham
Reserve for changes in fair Reserve of gains (losses) from
value of available-for-sale investments in equity Reserve of share-based
financial assets instruments payments

377,660 6,142,177

377,660 6,142,177 0 0

2,228 (1,297,099)
379,888 4,845,078
 Cadangan pengukuran
Cadangan lindung nilai kembali program imbalan Kepentingan ekuitas
arus kas pasti Cadangan lainnya lainnya

Reserve of remeasurements of
Reserve of cash flow hedges defined benefit plans Other reserves Other equity interests

0 0 0 0

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Saldo laba yang telah
ditentukan
penggunaannya-
Transaksi dengan pihak Komponen transaksi cadangan umum dan
non-pengendali lainnya ekuitas lainnya wajib
Appropriated retained
Other transactions with non- Other components of equity earnings-general and legal
controlling interests transactions reserves

1,385 2,512,565

0 0 1,385 2,512,565

314,227
1,385 2,826,792
Saldo laba yang telah
ditentukan Saldo laba yang belum Ekuitas yang dapat
penggunaannya- ditentukan diatribusikan kepada
cadangan khusus penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

177,067,556 202,712,762

0 0

0
0
0 177,067,556 202,712,762

8,064,433 8,064,433
0 (1,294,871)
(314,227) 0
0
(14,793,006) (14,793,006)
0 170,024,756 194,689,318 0
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
136,172 202,848,934 Balance before restatement at
beginning of period
Adjustments
0 Initial adoption of new and
revised accounting standards
0 Voluntary changes in accounting
policies
0 Correction of prior period errors
Other adjustments
136,172 202,848,934 Equity position, beginning of the
period
3,315 8,067,748 Profit (loss)
(693) (1,295,564) Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(14,793,006) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments

Increase (decrease) in equity

through treasury stock transactions

Increase (decrease) in equity

through share-based payment
transactions
Exercise of convertible instruments

Exercise of warrants
Increase (decrease) in equity
through transactions with owner's
equity
Stock subscription from non-
controlling interests
Changes in non-controlling
interests due to acquisition of
subsidiaries
 Changes in non-controlling
interests due to establishment of
subsidiaries
Changes in non-controlling
interests due to disposal of
subsidiaries
Changes in non-controlling
interests due to disposal of a
discontinued operation
Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without
loss of control

Changes in non-controlling
interests due to other transactions
with non-controlling interests

Elimination of deficit in connection

with quasi-reorganisation
Stock options exercised
Impact of PSAK No. 70 adoption on
tax amnesty assets
Other equity transactions
138,794 194,828,112 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 March 2021

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 1,540,938 5,548,977
penyajian kembali
Penyesuaian
Penerapan awal standar
akuntansi baru dan revisi
Perubahan kebijakan akuntansi
secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 1,540,938 0 5,548,977

Laba (rugi)
Pendapatan komprehensif lainnya
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat
dikonversi
Kenaikan (penurunan) ekuitas
melalui transaksi saham tresuri

Kenaikan (penurunan) ekuitas

melalui transaksi pembayaran
berbasis saham
Pelaksanaan instrumen yang dapat
dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas
melalui transaksi dengan pemilik
ekuitas
Setoran modal dari kepentingan
non-pengendali
Perubahan kepentingan non-
pengendali atas akuisisi entitas
anak
Perubahan kepentingan non-
pengendali atas pendirian entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan entitas
anak
Perubahan kepentingan non-
pengendali atas pelepasan operasi
yang dihentikan
Perubahan kepentingan non-
pengendali atas pelepasan
sebagian kepemilikan pada entitas
anak yang tidak mengakibatkan
hilangnya pengendalian

Perubahan kepentingan non- 0

pengendali atas transaksi lainnya
dengan kepentingan non-
pengendali
Eliminasi defisit dalam rangka kuasi
reorganisasi
Pelaksanaan opsi saham
Dampak penerapan PSAK No. 70
atas aset pengampunan pajak
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977
Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

9,521,414

0 0 0 9,521,414

0
0 0 0 9,521,414

Cadangan selisih kurs
penjabaran
Reserve of exchange
differences on translation
Cadangan perubahan nilai Cadangan keuntungan
wajar aset keuangan (kerugian) investasi pada Cadangan pembayaran
tersedia untuk dijual instrumen ekuitas berbasis saham
Reserve for changes in fair Reserve of gains (losses) from
value of available-for-sale investments in equity Reserve of share-based
financial assets instruments payments

373,092 7,070,825

373,092 7,070,825 0 0

16,904 (2,288,666)
389,996 4,782,159
 Cadangan pengukuran
Cadangan lindung nilai kembali program imbalan Kepentingan ekuitas
arus kas pasti Cadangan lainnya lainnya

Reserve of remeasurements of
Reserve of cash flow hedges defined benefit plans Other reserves Other equity interests

0 0 0 0

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Saldo laba yang telah
ditentukan
penggunaannya-
Transaksi dengan pihak Komponen transaksi cadangan umum dan
non-pengendali lainnya ekuitas lainnya wajib
Appropriated retained
Other transactions with non- Other components of equity earnings-general and legal
controlling interests transactions reserves

1,385 2,241,254

0 0 1,385 2,241,254

0
275,419
1,385 2,516,673
Saldo laba yang telah
ditentukan Saldo laba yang belum Ekuitas yang dapat
penggunaannya- ditentukan diatribusikan kepada
cadangan khusus penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

158,298,441 184,596,326

0 0

0
0
0 158,298,441 184,596,326 0

7,039,710 7,039,710
0 (2,271,762)
(275,419) 0
0
(10,650,964) (10,650,964)
(0)
0
0
(0)
0

0
0

0
 0

(0)

(0)

(0)

(0)

0
0

0 0
0 154,411,768 178,713,310 0
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
118,383 184,714,709 Balance before restatement at
beginning of period
Adjustments
0 Initial adoption of new and
revised accounting standards
0 Voluntary changes in accounting
policies
0 Correction of prior period errors
0 Other adjustments
118,383 184,714,709 Equity position, beginning of the
period
3,412 7,043,122 Profit (loss)
(1,141) (2,272,903) Other comprehensive income
0 Allocation for general reserves
0 Allocation for specific reserves
(10,650,964) Distributions of cash dividends
(0) Distributions of stock dividends
0 Issuance of common stocks
0 Issuance of preferred stocks
(0) Stock issuance costs
0 Issuance of convertible instruments

0 Increase (decrease) in equity

through treasury stock transactions

0 Increase (decrease) in equity

through share-based payment
transactions
0 Exercise of convertible instruments

0 Exercise of warrants
0 Increase (decrease) in equity
through transactions with owner's
equity
0 Stock subscription from non-
controlling interests
0 Changes in non-controlling
interests due to acquisition of
subsidiaries
 0 Changes in non-controlling
interests due to establishment of
subsidiaries
(0) Changes in non-controlling
interests due to disposal of
subsidiaries
(0) Changes in non-controlling
interests due to disposal of a
discontinued operation
(0) Changes in non-controlling
interests due to partial disposal of
interests in subsidiaries without
loss of control

0 Changes in non-controlling
interests due to other transactions
with non-controlling interests

(0)Elimination of deficit in connection

with quasi-reorganisation
0 Stock options exercised
0 Impact of PSAK No. 70 adoption on
tax amnesty assets
0 Other equity transactions
120,654 178,833,964 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
31 March 2022
Arus kas dari aktivitas operasi
Arus kas sebelum perubahan dalam aset
dan liabilitas operasi
Penerimaan bunga, hasil investasi,
provisi, dan komisi
Pembayaran bunga dan bonus, provisi
dan komisi
Bunga bank dan deposito berjangka
Penerimaan pendapatan pengelolaan
dana sebagai mudharib
Pembayaran bagi hasil dana syirkah
temporer
Penerimaan premi asuransi
Penerimaan klaim reasuransi
Penerimaan (pembayaran) komisi
Penerimaan klaim retrosesi
Penerimaan dari ujrah
Penerimaan dari (pembayaran
kepada) lembaga kliring dan
penjaminan
Penerimaan dari (pembayaran
kepada) nasabah
Pencairan (penempatan) deposito
pada lembaga kliring dan penjaminan
Pendapatan dari transaksi operasional
lainnya
Penerimaan kembali aset yang telah
dihapusbukukan
Pembayaran biaya akuisisi
ditangguhkan
Pembayaran atas beban keuangan
dan beban administrasi bank
Pembayaran gaji dan tunjangan
Laba (rugi) selisih kurs
Penerimaan pengembalian
(pembayaran) pajak penghasilan
Pembayaran beban operasional
lainnya
Penerimaan pendapatan non-
operasional
Pengembalian (penempatan) uang
jaminan
Penerimaan (pengeluaran) kas lainnya
dari aktivitas operasi
Penurunan (kenaikan) aset operasi
Penurunan (kenaikan) penempatan
pada bank lain dan bank indonesia
Penurunan (kenaikan) efek yang
diperdagangkan
Statement of cash flows
31 March 2021
Cash flows from operating activities
Cash flows before changes in operating
assets and liabilities
21,206,431 20,804,405 Interest, investment income, fees and
commissions received
(1,993,050) (2,458,988) Payments Of Interest And Bonus Fees
And Commissions
Interest from banks and time deposits
Revenue receipts from fund
management as mudharib
Payments of temporary syirkah funds
Receipts from insurance premiums
Receipts from reinsurance claims
Receipts (payments) of commission
Receipts from retrocession claims
Receipts of ujrah
Receipts from (payments to) clearing
and guarantee institution
Receipts from (payments to)
customers
Withdrawal (placement) of deposits to
clearing and guarantee institution
1,435,955 1,018,398 Income from other operating
transactions
Recoveries of written off assets
Payments for deferred acquisition
costs
Payments of finance costs and bank
administration charges
Payments for salaries and allowances
759,923 1,871,276 Foreign currency gains (losses)
(2,956,522) (2,803,285) Refunds (payments) of income tax
(5,996,171) (5,827,871) Payments for other operating
expenses
Receipts from non-operating income
Repayment (placement) of refundable
deposits
(493,000) Other cash inflows (outflows) from
operating activities
Decrease (increase) in operating assets
4,199,813 (298,015) Decrease (increase) in placements
with other banks and bank indonesia
(2,071,843) 1,094,236 Decrease (increase) in marketable
securities
 Penurunan (kenaikan) efek yang dibeli (53,996,356) (32,432,408) Decrease (increase) in securities
dengan janji dijual kembali purchased under resale agreements
Penurunan (kenaikan) investasi Decrease (increase) in investment of
pemegang polis pada kontrak unit- policyholder in unit-linked contracts
linked
Penurunan (kenaikan) wesel ekspor 345,354 771,993 Decrease (increase) in bills and other
dan tagihan lainnya receivables
Penurunan (kenaikan) tagihan (2,356,644) (1,972,649) Decrease (increase) in acceptance
akseptasi receivables
Penurunan (kenaikan) pinjaman yang 915,039 2,690,728 Decrease (increase) in loans
diberikan
Penurunan (kenaikan) piutang (650,646) 135,625 Decrease (increase) in consumer
pembiayaan konsumen financing receivables
Penurunan (kenaikan) investasi sewa (5,522) 10,619 Decrease (increase) in lease
investments
Penurunan (kenaikan) tagihan anjak Decrease (increase) in factoring
piutang
Penurunan (kenaikan) piutang dan Decrease (increase) in sharia financing
pembiayaan syariah and receivables
Penurunan (kenaikan) piutang Decrease (increase) in murabahah
murabahah receivables
Penurunan (kenaikan) piutang Decrease (increase) in istishna
istishna receivables
Penurunan (kenaikan) piutang ijarah Decrease (increase) in ijarah
receivables
Penurunan (kenaikan) pinjaman Decrease (increase) in qardh funds
qardh
Penurunan (kenaikan) pembiayaan Decrease (increase) in mudharabah
mudharabah financing
Penurunan (kenaikan) pembiayaan Decrease (increase) in musyarakah
musyarakah financing
Penurunan (kenaikan) aset ijarah Decrease (increase) in ijarah assets

Penurunan (kenaikan) piutang lainnya (427,524) (188,205) Decrease (increase) in other

receivables
Penurunan (kenaikan) agunan yang Decrease (increase) in foreclosed
diambil alih assets
Penurunan (kenaikan) tagihan derivatif Decrease (increase) in derivative
receivables
Penurunan (kenaikan) aset reasuransi Decrease (increase) in reinsurance
assets
Penurunan (kenaikan) aset lainnya (555,616) (708,923) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities

Kenaikan (penurunan) liabilitas segera Increase (decrease) in obligations due

immediately
Kenaikan (penurunan) giro dan 30,335,676 10,316,101 Increase (decrease) in current
tabungan simpanan nasabah accounts and customers savings
Kenaikan (penurunan) deposito (9,376,350) (3,241,273) Increase (decrease) in customers time
berjangka nasabah deposits
Kenaikan (penurunan) giro wadiah Increase (decrease) in customers
simpanan nasabah wadiah demand deposits
Kenaikan (penurunan) tabungan 287,724 154,561 Increase (decrease) in customers
wadiah simpanan nasabah wadiah saving deposits
Kenaikan (penurunan) deposito Increase (decrease) in customers
wakalah simpanan nasabah wakalah deposits
 Kenaikan (penurunan) simpanan dari
bank lain
Kenaikan (penurunan) giro
mudharabah
Kenaikan (penurunan) tabungan
mudharabah
Kenaikan (penurunan) efek yang dijual
dengan janji dibeli kembali
Kenaikan (penurunan) liabilitas
akseptasi
Kenaikan (penurunan) liabilitas
pemegang polis pada kontrak unit-
linked
Kenaikan (penurunan) liabilitas
derivatif
Kenaikan (penurunan) dana syirkah
temporer
Kenaikan (penurunan) liabilitas lainnya
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham
dalam klasifikasi dimiliki hingga jatuh
tempo dan tersedia untuk dijual
Pencairan (penempatan) obligasi dan
(atau) sukuk
Penerimaan dividen dari aktivitas
investasi
Penerimaan dari penjualan (perolehan)
properti investasi
Penerimaan dari penjualan (perolehan)
aset tetap
Penerimaan dari penjualan (perolehan)
aset takberwujud selain goodwill
Penerimaan dari (pembayaran kepada)
pinjaman polis
Pembayaran untuk perolehan entitas
anak
Penerimaan dari pelepasan entitas anak
Pembayaran untuk perolehan tambahan
kepemilikan pada entitas anak
Pencairan (penempatan) efek-efek yang
diperdagangkan
Penerimaan dari pelepasan kepentingan
di entitas anak tanpa hilangnya
pengendalian dari kegiatan investasi
Pembayaran untuk perolehan
kepemilikan pada entitas asosiasi
Penerimaan dari pelepasan kepemilikan
pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya
dari aktivitas investasi
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas investasi
Arus kas dari aktivitas pendanaan
(2,406,927) (2,975,163) Increase (decrease) in other banks
saving deposits
Increase (decrease) in mudharabah
current account
Increase (decrease) in mudharabah
savings deposits
Increase (decrease) in securities sold
under repurchase agreement
2,881,845 1,519,745 Increase (decrease) in acceptance
payables
Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative
payables
(32,257) (543,130) Increase (decrease) in temporary
syirkah funds
1,693,288 2,629,269 Increase (decrease) in other liabilities
(19,257,380) (10,432,954) Total net cash flows received from (used
in) operating activities
Cash flows from investing activities
Proceeds from equity investments
classified as held-to-maturity and
available-for-sale
Withdrawal (placement) of bonds and (or)
sukuk
0 0 Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(587,345) (302,956) Proceeds from disposal (acquisition) of
property and equipment
Proceeds from disposal (acquisition) of
intangible assets other than goodwill
Receipts from (payments for) policy loans
Payments for acquisition of subsidiaries
Proceeds from sales of subsidiaries
Payments for acquisition of additional
interests in subsidiaries
Withdrawal (placement) of marketable
securities
Proceeds from sales of interests in
subsidiaries without loss of control from
investing activities
Payments for acquisition of interests in
associates
Proceeds from sales of interests in
associates
(74,321) (11,112,541) Other cash inflows (outflows) from
investing activities
(661,666) (11,415,497) Total net cash flows received from (used
in) investing activities
Cash flows from financing activities
 Kenaikan (penurunan) efek yang
diterbitkan
Penerbitan sukuk mudhrabah
Penempatan sertifikat investasi
mudharabah
Biaya emisi sukuk mudharabah
Penerimaan pinjaman yang diterima
Pembayaran pinjaman yang diterima
Penerimaan pinjaman subordinasi
Pembayaran pinjaman subordinasi
Pembayaran bunga pinjaman
Penerimaan dari penerbitan obligasi
Pembayaran utang obligasi
Pembayaran biaya emisi penerbitan
obligasi
Obligasi subordinasi yang diterbitkan
Pembayaran obligasi subordinasi
Biaya emisi obligasi subordinasi yang
diterbitkan
Penerimaan dari penerbitan saham baru
Pembayaran biaya emisi saham
Penerimaan setoran modal
Penjualan (pembelian) dari saham tresuri
Penerimaan dari program opsi saham
karyawan
Penyelesaian (penempatan) transaksi
derivatif
Pembayaran dividen dari aktivitas
pendanaan
Penerimaan (pengeluaran) kas lainnya
dari aktivitas pendanaan
Jumlah arus kas bersih yang diperoleh
dari (digunakan untuk) aktivitas
pendanaan
Jumlah kenaikan (penurunan) bersih kas
dan setara kas
Kas dan setara kas arus kas, awal periode
Efek perubahan nilai kurs pada kas dan
setara kas
Kenaikan (penurunan) kas dan setara kas
lainnya
Kas dan setara kas arus kas, akhir periode
0 0 Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
4,240,302 22,637,025 Proceeds from borrowings
(4,485,324) (23,799,047) Payments for borrowings
Proceeds from subordinated loans
Payments of subordinated loans
Payments of interests from borrowings
Proceeds from bonds issuance
Payments of bonds payable
Payments of bonds issuance costs
Subordinated bonds issued
Payments of subordinated bonds
Subordinated bonds issuance costs
Proceeds from issuance of new stocks
Payments of stock issuance costs
Proceeds from capital contributions
Sales (purchase) of treasury stocks
Proceeds from employee stock options
program
Settlement (placement) of derivative
transactions
Dividends paid from financing activities
187,434 168,487 Other cash inflows (outflows) from
financing activities
(57,588) (993,535) Total net cash flows received from (used
in) financing activities
(19,976,634) (22,841,986)Total net increase (decrease) in cash and
cash equivalents
177,268,685 106,271,237 Cash and cash equivalents cash flows,
beginning of the period
212,900 220,824 Effect of exchange rate changes on cash
and cash equivalents
Other increase (decrease) in cash and
cash equivalents
157,504,951 83,650,075 Cash and cash equivalents cash flows, end
of the period