[1000000] General information

Informasi umum

Nama entitas
Penjelasan perubahan nama dari akhir periode laporan sebelumnya
Kode entitas
Nomor identifikasi entitas
Industri utama entitas
Standar akutansi yang dipilih
Sektor
Subsektor
Industri
Subindustri
Informasi pemegang saham pengendali
Jenis entitas
Jenis efek yang dicatatkan
Jenis papan perdagangan tempat entitas tercatat
Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas
Periode penyampaian laporan keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Tanggal akhir 2 tahun sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu masalah atau
paragraf penjelasan lainnya, jika ada
Hasil penugasan review
Opini Hal Audit Utama
Jumlah Hal Audit Utama
Paragraf Hal Audit Utama
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 OJK Nomor: 75/POJK.04/2017 tentang
Tanggung Jawab Direksi Atas Laporan Keuangan
Kepatuhan terhadap pemenuhan independensi akuntan yang memberikan jasa audit di
pasar modal sesuai dengan POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa
Akuntan Publik dalam Kegiatan Jasa Keuangan
 31 December 2022
PT Bank Negara Indonesia (Persero) Tbk

BBNI
AA265
Keuangan dan Syariah / Financial and Sharia
PSAK
G. Financials
G1. Banks
G11. Banks
G111. Banks
Indonesian Government
Local Company - Indonesia Jurisdiction
Saham dan Obligasi / Stock and Bond
Utama / Main
Entitas grup / Group entity
Tahunan / Annual
2022-01-01
2022-12-31
2021-12-31
2021-01-01
2021-12-31
2020-12-31
Rupiah / IDR

Jutaan / In Million
Diaudit / Audited
Wajar Tanpa Modifikasian / Unqualified

20 Januari 2023
Tanudiredja, Wibisana, Rintis & Rekan
Drs. M. Jusuf Wibisana, M.Ec., CPA

Tanudiredja, Wibisana, Rintis & Rekan

Drs. M. Jusuf Wibisana, M.Ec., CPA

Ya / Yes

Ya / Yes
 General information

Entity name
Explanation of change in name from the end of the preceding reporting period
Entity code
Entity identification number
Entity main industry
Selected accounting standards
Sector
Subsector
Industry
Subindustry
Controlling shareholder information
Type of entity
Type of listed securities
Type of board on which the entity is listed
Whether the financial statements are of an individual entity or a group of entities
Period of financial statements submissions
Current period start date
Current period end date
Prior year end date
Prior period start date
Prior period end date
Prior 2 year end date
Description of presentation currency
Conversion rate at reporting date if presentation currency is other than rupiah
Level of rounding used in financial statements
Type of report on financial statements
Type of auditor's opinion
Matters disclosed in emphasis-of-matter or other-matter paragraph, if any

Result of review engagement

Any Key Audit Matters Opinion
Total Key Audit Matters
Key Audit Matters Paragraph
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
Whether in compliance with OJK rules No. 75/POJK.04/2017 concerning responsibilities of
board of directors on financial statements
Compliance to the independency of Accountant that provide services in Capital Market as
regulated in OJK rules No. 13/POJK.03/2017 concerning The Use of Public Accountant and
Auditing Firm in Financial Services Activities.
[4220000] Statement of financial position presented using order of liquidity - Financial and Sh

Laporan posisi keuangan

31 December 2022
Aset
Kas 13,448,092
Dana yang dibatasi penggunaannya
Giro pada Bank Indonesia 82,921,989
Giro pada bank lain
Giro pada bank lain pihak ketiga 15,808,274
Giro pada bank lain pihak berelasi 113,602
Cadangan kerugian penurunan nilai pada giro pada bank lain (8)
Penempatan pada Bank Indonesia dan bank lain
Penempatan pada Bank Indonesia dan bank lain pihak ketiga 50,864,235
Penempatan pada Bank Indonesia dan bank lain pihak berelasi 705,107
Cadangan kerugian penurunan nilai pada penempatan pada bank lain (26)
Piutang asuransi
Piutang asuransi pihak ketiga
Piutang asuransi pihak berelasi
Cadangan kerugian penurunan nilai pada piutang asuransi
Biaya akuisisi tangguhan
Deposito pada lembaga kliring dan penjaminan
Efek-efek yang diperdagangkan
Efek-efek yang diperdagangkan pihak ketiga 21,007,140
Efek-efek yang diperdagangkan pihak berelasi 7,795,611
Cadangan kerugian penurunan nilai pada efek-efek yang
(246,668)
diperdagangkan
Investasi pemegang polis pada kontrak unit-linked
Efek yang dibeli dengan janji dijual kembali 16,631,271
Wesel ekspor dan tagihan lainnya
Wesel ekspor dan tagihan lainnya pihak ketiga 10,575,737
Wesel ekspor dan tagihan lainnya pihak berelasi 10,326,392
Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan
(172,909)
lainnya
Tagihan akseptasi
Tagihan akseptasi pihak ketiga 15,348,632
Tagihan akseptasi pihak berelasi 4,665,596
Cadangan kerugian penurunan nilai pada tagihan akseptasi (1,102,385)
Tagihan derivatif
Tagihan derivatif pihak ketiga 681,048
Tagihan derivatif pihak berelasi 4,189
Pinjaman yang diberikan
Pinjaman yang diberikan pihak ketiga 541,462,152
Pinjaman yang diberikan pihak berelasi 104,726,161
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan (50,333,988)
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
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 121,290,867
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 3,243,620
Jaminan
Pajak dibayar dimuka 643,563
Klaim atas pengembalian pajak
Aset pajak tangguhan 7,614,484
Investasi yang dicatat dengan menggunakan metode ekuitas 608,797
Investasi pada ventura bersama dan entitas asosiasi
Investasi pada entitas ventura bersama
Investasi pada entitas asosiasi 10,048,975
Aset reasuransi
Aset imbalan pasca kerja
Goodwill 727,786
Aset takberwujud selain goodwill 24,525
Properti investasi
Aset ijarah
Aset tetap 26,548,893
Aset hak guna
Aset pengampunan pajak
Agunan yang diambil alih 1,150,179
Aset lainnya 12,705,935
Jumlah aset 1,029,836,868
Liabilitas, dana syirkah temporer dan ekuitas
Liabilitas
Liabilitas segera 4,686,360
Bagi hasil yang belum dibagikan
Dana simpanan syariah
Simpanan nasabah
Giro
Giro pihak ketiga 194,133,477
Giro pihak berelasi 120,491,657
Giro wadiah
Giro wadiah pihak ketiga
Giro wadiah pihak berelasi
Tabungan
Tabungan pihak ketiga 242,326,473
Tabungan pihak berelasi 368,119
Tabungan wadiah
Tabungan wadiah pihak ketiga
Tabungan wadiah pihak berelasi
Deposito berjangka
Deposito berjangka pihak ketiga 178,000,778
Deposito berjangka pihak berelasi 33,948,487
 Deposito wakalah
Deposito wakalah pihak ketiga
Deposito wakalah pihak berelasi
Simpanan dari bank lain
Simpanan dari bank lain pihak berelasi 3,190,421
Simpanan dari bank lain pihak ketiga 12,054,133
Efek yang dijual dengan janji untuk dibeli kembali 2,885,286
Liabilitas derivatif
Liabilitas derivatif pihak ketiga 656,692
Liabilitas derivatif pihak berelasi 118,439
Utang asuransi
Utang koasuransi
Liabilitas kepada pemegang polis unit-linked
Utang bunga
Liabilitas akseptasi
Liabilitas akseptasi pihak berelasi 988,843
Liabilitas akseptasi pihak ketiga 4,312,400
Utang usaha
Uang muka dan angsuran
Utang dividen
Utang dealer
Pinjaman yang diterima
Pinjaman yang diterima pihak ketiga 35,421,574
Pinjaman yang diterima pihak berelasi 232,632
Pinjaman yang diterima utang pada lembaga kliring dan penjaminan
Efek yang diterbitkan
Utang obligasi
Sukuk
Obligasi subordinasi 17,213,150
Surat utang jangka menengah
Efek yang diterbitkan lainnya 4,896,875
Liabilitas kontrak asuransi
Utang perusahaan efek
Provisi
Liabilitas atas kontrak
Pendapatan ditangguhkan
Liabilitas sewa pembiayaan
Estimasi kerugian komitmen dan kontinjensi 2,712,346
Beban akrual 1,440,670
Utang pajak 1,551,046
Liabilitas pajak tangguhan
Liabilitas pengampunan pajak
Liabilitas lainnya 21,129,380
Kewajiban imbalan pasca kerja 6,879,968
Pinjaman subordinasi
Pinjaman subordinasi pihak ketiga
Pinjaman subordinasi pihak berelasi
Jumlah liabilitas 889,639,206
Dana syirkah temporer
Bukan bank
Giro mudharabah
Giro mudharabah pihak ketiga
Giro berjangka mudharabah pihak berelasi
Tabungan mudharabah
Tabungan mudharabah pihak ketiga
Tabungan mudharabah pihak berelasi
Deposito berjangka mudharabah
Deposito berjangka mudharabah pihak ketiga
Deposito berjangka mudharabah pihak berelasi
Bank
Giro mudharabah
Tabungan mudharabah (ummat)
Deposito berjangka mudharabah
Efek yang diterbitkan bank
Investasi mudharabah antar bank
Sukuk mudharabah
Sukuk mudharabah subordinasi
Jumlah dana syirkah temporer
Jumlah akumulasi dana tabarru
Ekuitas
Ekuitas yang diatribusikan kepada pemilik entitas induk
Saham biasa 9,054,807
Saham preferen
Tambahan modal disetor 17,010,254
Saham treasuri
Uang muka setoran modal
Opsi saham
Penjabaran laporan keuangan
Cadangan revaluasi 15,441,439
Cadangan selisih kurs penjabaran (36,370)
Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui
(1,971,154)
pendapatan komprehensif lainnya
Cadangan keuntungan (kerugian) investasi pada instrumen ekuitas
Cadangan pembayaran berbasis saham
Cadangan lindung nilai arus kas
Cadangan pengukuran kembali program imbalan pasti
Cadangan lainnya 2,256,999
Selisih Transaksi Perubahan Ekuitas Entitas Anak/Asosiasi
Komponen ekuitas lainnya
Saldo laba (akumulasi kerugian)
Saldo laba yang telah ditentukan penggunaanya
Cadangan umum dan wajib 2,778,412
Cadangan khusus
Saldo laba yang belum ditentukan penggunaannya 91,281,328
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk
135,815,715
 Proforma ekuitas
Kepentingan non-pengendali 4,381,947
Jumlah ekuitas 140,197,662
Jumlah liabilitas, dana syirkah temporer dan ekuitas 1,029,836,868
dity - Financial and Sharia Industry

Statement of financial position

31 December 2021
Assets
13,683,598 Cash
Restricted funds
48,682,431 Current accounts with Bank Indonesia
Current accounts with other banks
18,010,023 Current accounts with other banks third parties
1,559,874 Current accounts with other banks related parties
(6) Allowance for impairment losses for current accounts with other bank
Placements with Bank Indonesia and other banks
91,595,907 Placements with Bank Indonesia and other banks third parties
694,323 Placements with Bank Indonesia and other banks related parties
(110) Allowance for impairment losses for placements with other banks
Insurance receivables
Insurance receivables third parties
Insurance receivables related parties
Allowance for impairment losses for insurance receivables
Deferred acquisition costs
Deposits to clearing and settlement guarantee institution
Marketable securities
20,137,034 Marketable securities third parties
5,915,976 Marketable securities related parties
(250,048)
Allowance for impairment losses for marketable securities
Investments of policyholder in unit-linked contracts
22,010,968 Securities purchased under agreement to resale
Bills and other receivables
10,095,576 Bills and other receivables third parties
9,870,360 Bills and other receivables related parties
(402,618)
Allowance for impairment losses for bills and other receivables
Acceptance receivables
15,074,553 Acceptance receivables third parties
6,482,887 Acceptance receivables related parties
(1,014,673) Allowance for impairment losses for acceptance receivables
Derivative receivables
464,235 Derivative receivables third parties
29,948 Derivative receivables related parties
Loans
484,882,180 Loans third parties
97,554,050 Loans related parties
(50,294,886) Allowance for impairment losses for loans
Receivables from clearing and settlement guarantee institution
Receivables from customers
Receivables from customers third parties
 Receivables from customers related parties
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
Consumer financing receivables third parties
Consumer financing receivables related parties

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
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
Lease investments third parties
Lease investments related parties
Lease investments guaranteed residual value
Lease investments deferred financing income
Lease investments guarantee deposits
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
Other financial assets
111,428,330 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
3,095,927 Prepaid expenses
Guarantees
1,051,189 Prepaid taxes
Claims for tax refund
6,230,293 Deferred tax assets
829,763 Investments accounted for using equity method
Investments in joint ventures and associates
Investments in joint ventures
8,688,406 Investments in associates
Reinsurance assets
Post-employment benefit assets
Goodwill
Intangible assets other than goodwill
Investment properties
Ijarah assets
26,882,982 Property, plant, and equipment
Right of use assets
Tax amnesty assets
1,527,739 Foreclosed assets
10,321,481 Other assets
964,837,692 Total assets
Liabilities, temporary syirkah funds and equity
Liabilities
4,553,735 Obligations due immediately
Undistributed profit sharing
Sharia deposits
Customers deposits
Current accounts
174,946,923 Current accounts third parties
106,451,119 Current accounts related parties
Wadiah demand deposits
Wadiah demand deposits third parties
Wadiah demand deposits related parties
Savings
224,282,883 Savings third parties
386,679 Savings related parties
Wadiah savings
Wadiah savings third parties
Wadiah savings related parties
Time deposits
177,681,764 Time deposits third parties
45,419,243 Time deposits related parties
 Wakalah deposits
Wakalah deposits third parties
Wakalah deposits related parties
Other banks deposits
1,269,116 Other banks deposits related parties
13,107,893 Other banks deposits third parties
1,828,652 Securities sold with repurchase agreement
Derivative payables
97,671 Derivative payables third parties
12,277 Derivative payables related parties
Insurance payables
Coinsurance liabilities
Liabilities to policyholder in unit-linked contracts
Interest payables
Acceptance liabilities
244,229 Acceptance liabilities related parties
5,343,840 Acceptance liabilities third parties
Accounts payable
Advances and installments
Dividends payable
Dealer payables
Borrowings
32,050,904 Borrowings third parties
407,032 Borrowings related parties
Borrowings payables to clearing and settlement guarantee institution
Securities issued
Bonds payable
Sukuk
15,764,682 Subordinated bonds
Medium term notes
2,986,530 Others securities issued
Insurance contract liabilities
Securities company payables
Provisions
Contract liabilities
Deferred income
Finance lease liabilities
2,276,397 Estimated losses on commitments and contingencies
1,242,130 Accrued expenses
1,284,252 Taxes payable
Deferred tax liabilities
Tax amnesty liabilities
20,542,001 Other liabilities
6,137,763 Post-employment benefit obligations
Subordinated loans
Subordinated loans third parties
Subordinated loans related parties
838,317,715 Total liabilities
 Temporary syirkah funds
Non-banks
Mudharabah current account
Mudharabah current account third parties
Mudharabah current account related parties
Mudharabah saving deposits
Mudharabah saving deposits third parties
Mudharabah saving deposits related parties
Mudharabah time deposits
Mudharabah time deposits third parties
Mudharabah time deposits related parties
Bank
Mudharabah current account
Mudharabah saving deposits (ummat)
Mudharabah time deposits
Bank securities issued
Interbank mudharabah investments
Mudharabah sukuk
Subordinated mudharabah sukuk
Total temporary syirkah funds
Total accumulated tabarru's funds
Equity
Equity attributable to equity owners of parent entity
9,054,807 Common stocks
Preferred stocks
17,010,254 Additional paid-in capital
(207,475) Treasury stocks
Advances in capital stock
Stock options
Translation adjustment
15,442,025 Revaluation reserves
(17,100) Reserve of exchange differences on translation
1,948,658 Reserve for changes in fair value of fair value through other
comprehensive income financial assets
Reserve of gains (losses) from investments in equity instruments
Reserve of share-based payments
Reserve of cash flow hedges
Reserve of remeasurements of defined benefit plans
2,256,999 Other reserves
Difference Due to Changes of Equity in Subsidiary/Associates
Other components of equity
Retained earnings (deficit)
Appropriated retained earnings
2,778,412 General and legal reserves
Specific reserves
75,471,792 Unappropriated retained earnings
123,738,372
Total equity attributable to equity owners of parent entity
 Proforma equity
2,781,605 Non-controlling interests
126,519,977 Total equity
964,837,692 Total liabilities, temporary syirkah funds and equity
[4312000] Statement of profit or loss and other comprehensive income, OCI components pres
Industry

Laporan laba rugi dan penghasilan komprehensif lain

31 December 2022
Pendapatan dan beban operasional
Pendapatan bunga 54,658,681
Beban bunga (13,337,989)
Pendapatan pengelolaan dana oleh bank sebagai mudharib
Hak pihak ketiga atas bagi hasil dana syirkah temporer
Pendapatan asuransi
Pendapatan dari premi asuransi 6,221,661
Premi reasuransi
Premi retrosesi
Penurunan (kenaikan) premi yang belum merupakan pendapatan
Penurunan (kenaikan) pendapatan premi disesikan kepada reasuradur
Pendapatan komisi asuransi
Pendapatan bersih investasi
Penerimaan ujrah
Pendapatan asuransi lainnya
Beban asuransi
Beban klaim (4,670,128)
Klaim reasuransi
Klaim retrosesi
Kenaikan (penurunan) estimasi liabilitas klaim
Kenaikan (penurunan) liabilitas manfaat polis masa depan
Kenaikan (penurunan) provisi yang timbul dari tes kecukupan liabilitas

Kenaikan (penurunan) liabilitas asuransi yang disesikan kepada

reasuradur
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked

Beban komisi asuransi

Ujrah dibayar
Beban akuisisi dari kontrak asuransi
Beban asuransi lainnya
Pendapatan dari pembiayaan
Pendapatan dari pembiayaan 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
1,331,839
direalisasi
 Keuntungan (kerugian) perubahan nilai wajar efek 15,544
Pendapatan operasional lainnya
Pendapatan investasi 1,083,052
Pendapatan provisi dan komisi dari transaksi lainnya selain kredit 9,738,240
Pendapatan transaksi perdagangan
Pendapatan dividen
Keuntungan (kerugian) yang telah direalisasi atas instrumen derivatif
Penerimaan kembali aset yang telah dihapusbukukan 3,780,086
Keuntungan (kerugian) selisih kurs mata uang asing 1,596,936
Keuntungan (kerugian) pelepasan aset tetap
Keuntungan (kerugian) pelepasan agunan yang diambil alih
Pendapatan operasional lainnya 1,053,974
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

Pembentukan penyisihan kerugian penurunan nilai aset produktif (11,513,892)
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi

Beban operasional lainnya

Beban umum dan administrasi (7,330,176)
Beban penjualan (1,116,323)
Beban sewa, pemeliharaan, dan perbaikan (1,461,780)
Beban provisi dan komisi (20,260)
Beban operasional lainnya (17,130,610)
Jumlah laba operasional 22,898,855
Pendapatan dan beban bukan operasional
Pendapatan bukan operasional 21,409
Beban bukan operasional (233,556)
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 22,686,708
Pendapatan (beban) pajak (4,204,928)
Jumlah laba (rugi) dari operasi yang dilanjutkan 18,481,780
Laba (rugi) dari operasi yang dihentikan
Jumlah laba (rugi) 18,481,780
Pendapatan komprehensif lainnya, setelah pajak
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke
laba rugi, setelah pajak
 Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil
(977)
revaluasi aset tetap, setelah pajak
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban
230,811
manfaat pasti, setelah pajak
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak
akan direklasifikasi ke laba rugi, setelah pajak
Jumlah pendapatan komprehensif lainnya yang tidak akan
229,834
direklasifikasi ke laba rugi, setelah pajak
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba
rugi, setelah pajak
Keuntungan (kerugian) selisih kurs penjabaran, setelah pajak (19,270)
Penyesuaian reklasifikasi selisih kurs penjabaran, setelah pajak

Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar

aset keuangan melalui penghasilan komprehensif lain, setelah pajak (4,036,248)

Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui

pendapatan komprehensif lainnya, setelah pajak
Keuntungan (kerugian) lindung nilai arus kas, setelah pajak
Penyesuaian reklasifikasi atas lindung nilai arus kas, setelah pajak
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau
keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan
besar terjadi yang dilindung nilai, setelah pajak
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar
negeri, setelah pajak
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan
usaha luar negeri, setelah pajak
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang
dicatat dengan menggunakan metode ekuitas, setelah pajak
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama
yang dicatat dengan menggunakan metode ekuitas, setelah pajak
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan
direklasifikasi ke laba rugi, setelah pajak
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi
(4,055,518)
ke laba rugi, setelah pajak
Jumlah pendapatan komprehensif lainnya, setelah pajak (3,825,684)
Jumlah laba rugi komprehensif 14,656,096
Laba (rugi) yang dapat diatribusikan
Laba (rugi) yang dapat diatribusikan ke entitas induk 18,312,054
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali 169,726
Laba rugi komprehensif yang dapat diatribusikan
Laba rugi komprehensif yang dapat diatribusikan ke entitas induk 14,594,497
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-
61,599
pengendali
Laba (rugi) per saham
Laba per saham dasar diatribusikan kepada pemilik entitas induk

Laba (rugi) per saham dasar dari operasi yang dilanjutkan 983.00000
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
OCI components presented net of tax, by nature - Financial and Sharia

Statement of profit or loss and other comprehensive income

31 December 2021
Operating income and expenses
50,025,887 Interest income
(11,779,156) Interest expenses
Revenue from fund management as mudharib
Third parties share on return of temporary syirkah funds
Insurance income
5,886,644 Revenue from insurance premiums
Reinsurance premiums
Retrocession premiums
Decrease (increase) in unearned premiums
Decrease (increase) in premium income ceded to reinsurancer
Insurance commission income
Net investment income
Ujrah received
Other insurance income
Insurance expenses
(4,487,687) Claim expenses
Reinsurance claims
Retrocession claims
Increase (decrease) in estimated claims liability
Increase (decrease) in liability for future policy benefit
Increase (decrease) in provision for losses arising from liability adequacy
test

Increase (decrease) in insurance liabilities ceded to reinsurers

Increase (decrease) in liabilities to policyholder in unit-linked contracts

Insurance commission expenses
Ujrah paid
Acquisition costs of insurance contracts
Other insurance expenses
Financing income
Revenue from consumer financing
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
1,719,534
Realised gains (losses) on trading of marketable securities
 (4,078) Gains (losses) on changes in fair value of marketable securities
Other operating income
698,334 Investments income
8,943,427 Provisions and commissions income from transactions other than loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from derivative instruments
2,580,871 Revenue from recovery of written-off assets
1,327,928 Gains (losses) on changes in foreign exchange rates
Gains (losses) on disposal of property and equipment
Gains (losses) on disposal of foreclosed assets
953,683 Other operating income
Recovery of impairment loss
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
(18,297,151) Allowances for impairment losses on earnings assets
Allowances for impairment losses on non-earnings assets

Reversal (expense) of estimated losses on commitments and contingencies

Other operating expenses
(7,330,494) General and administrative expenses
(921,654) Selling expenses
(1,434,462) Rent, maintenance and improvement expenses
(16,939) Other fees and commissions expenses
(15,097,403) Other operating expenses
12,767,284 Total profit from operation
Non-operating income and expense
5,886 Non-operating income
(222,183) 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
12,550,987 Total profit (loss) before tax
(1,573,936) Tax benefit (expenses)
10,977,051 Total profit (loss) from continuing operations
Profit (loss) from discontinued operations
10,977,051 Total profit (loss)
Other comprehensive income, after tax
Other comprehensive income that will not be reclassified to profit or
loss, after tax
 439,994 Other comprehensive income for gains (losses) on revaluation of property
and equipment, after tax
762,282 Other comprehensive income for remeasurement of defined benefit
obligation, after tax
Other adjustments to other comprehensive income that will not be
reclassified to profit or loss, after tax
1,202,276 Total other comprehensive income that will not be reclassified to
profit or loss, after tax
Other comprehensive income that may be reclassified to profit or loss,
after tax
(40,354) Gains (losses) on exchange differences on translation, after tax
Reclassification adjustments on exchange differences on translation,
after tax

(416,537) Unrealised gains (losses) on changes in fair value through other

comprehensive income financial assets, after tax
Reclassification adjustments on fair value through other comprehensive
income financial assets, after tax
Gains (losses) on cash flow hedges, after tax
Reclassification adjustments on cash flow hedges, after tax
Carrying amount of non-financial asset (liability) whose acquisition or
incurrence was hedged on highly probable forecast transaction, adjusted
from equity, after tax
Gains (losses) on hedges of net investments in foreign operations, after
tax
Reclassification adjustments on hedges of net investments in foreign
operations, after tax
Share of other comprehensive income of associates accounted for using
equity method, after tax
Share of other comprehensive income of joint ventures accounted for
using equity method, after tax
Other adjustments to other comprehensive income that may be
reclassified to profit or loss, after tax
(456,891) Total other comprehensive income that may be reclassified to profit
or loss, after tax
745,385 Total other comprehensive income, after tax
11,722,436 Total comprehensive income
Profit (loss) attributable to
10,898,518 Profit (loss) attributable to parent entity
78,533 Profit (loss) attributable to non-controlling interests
Comprehensive income attributable to
11,620,510 Comprehensive income attributable to parent entity
101,926
Comprehensive income attributable to non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to equity owners of the parent
entity
585.00000 Basic earnings (loss) per share from continuing operations
Basic earnings (loss) per share from discontinued operations
Diluted earnings (loss) per share
Diluted earnings (loss) per share from continuing operations
Diluted earnings (loss) per share from discontinued operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 December 2022

Laporan perubahan ekuitas

Saham biasa

Common stocks
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 9,054,807
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 9,054,807
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
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
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 9,054,807
ent Year

Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal

Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock

17,010,254 (207,475)

17,010,254 (207,475)

207,475
17,010,254 0
 Cadangan selisih kurs
Opsi saham Penjabaran laporan keuangan Cadangan revaluasi penjabaran

Reserve of exchange
Stock options Translation adjustment Revaluation reserves differences on translation

15,442,025 (17,100)

15,442,025 (17,100)

(586) (19,270)
15,441,439 (36,370)
 Cadangan perubahan nilai
wajar aset keuangan nilai Cadangan keuntungan
wajar melalui pendapatan (kerugian) investasi pada Cadangan pembayaran Cadangan lindung nilai arus
komprehensif lainnya instrumen ekuitas berbasis saham kas

Reserve for changes in fair

value of fair value through Reserve of gains (losses)
other comprehensive income from investments in equity Reserve of share-based
financial assets instruments payments Reserve of cash flow hedges

1,948,658

1,948,658

(3,919,812)
(1,971,154)
 Cadangan pengukuran
kembali program imbalan Selisih Transaksi Perubahan
pasti Cadangan lainnya Ekuitas Entitas Anak/Asosiasi Kepentingan ekuitas lainnya

Difference Due to Changes of

Reserve of remeasurements Equity in
of defined benefit plans Other reserves Subsidiary/Associates Other equity interests

2,256,999

2,256,999
2,256,999
 Saldo laba yang telah
Selisih transaksi ekuitas Transaksi dengan pihak non- Komponen transaksi ekuitas ditentukan penggunaannya-
dengan pihak non-pengendali pengendali lainnya lainnya cadangan umum dan wajib

Difference in value of equity Appropriated retained

transactions with non- Other transactions with non- Other components of equity earnings-general and legal
controlling interests controlling interests transactions reserves

2,778,412

2,778,412
2,778,412
 Saldo laba yang telah Ekuitas yang dapat
ditentukan penggunaannya- Saldo laba yang belum diatribusikan kepada
cadangan khusus ditentukan penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

75,471,792 123,738,372

75,471,792 123,738,372
18,312,054 18,312,054
222,111 (3,717,557)

(2,724,629) (2,724,629)

207,475
91,281,328 135,815,715
 Statement of changes i

Kepentingan non-pengendali Ekuitas

Non-controlling interests Equity

2,781,605 126,519,977

2,781,605 126,519,977
169,726 18,481,780
(108,127) (3,825,684)

(2,724,629)

207,475

1,538,743 1,538,743
4,381,947 140,197,662
 Statement of changes in equity

Equity position
Balance before restatement at beginning of period
Adjustments
Initial adoption of new and revised accounting standards
Voluntary changes in accounting policies
Correction of prior period errors
Other adjustments
Equity position, beginning of the period
Profit (loss)
Other comprehensive income
Translation adjustment
Allocation for general reserves
Allocation for specific reserves
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
Retrospective adjustment of PSAK implementation
Other equity transactions
Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 December 2021

Laporan perubahan ekuitas

Saham biasa

Common stocks
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 9,054,807
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 9,054,807
Laba (rugi)
Pendapatan komprehensif lainnya
Penjabaran laporan keuangan
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
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 9,054,807
r Year

Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal

Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock

14,568,468 (79,449)

14,568,468 (79,449)

(128,026)
 2,441,786
17,010,254 (207,475)
 Cadangan selisih kurs
Opsi saham Penjabaran laporan keuangan Cadangan revaluasi penjabaran

Reserve of exchange
Stock options Translation adjustment Revaluation reserves differences on translation

14,962,961 23,254

14,962,961 23,254

479,064 (40,354)
15,442,025 (17,100)
 Cadangan perubahan nilai
wajar aset keuangan nilai Cadangan keuntungan
wajar melalui pendapatan (kerugian) investasi pada Cadangan pembayaran Cadangan lindung nilai arus
komprehensif lainnya instrumen ekuitas berbasis saham kas

Reserve for changes in fair

value of fair value through Reserve of gains (losses)
other comprehensive income from investments in equity Reserve of share-based
financial assets instruments payments Reserve of cash flow hedges

2,424,779

2,424,779

(476,121)
1,948,658
 Cadangan pengukuran
kembali program imbalan Selisih Transaksi Perubahan
pasti Cadangan lainnya Ekuitas Entitas Anak/Asosiasi Kepentingan ekuitas lainnya

Difference Due to Changes of

Reserve of remeasurements Equity in
of defined benefit plans Other reserves Subsidiary/Associates Other equity interests

2,256,999

2,256,999
2,256,999
 Saldo laba yang telah
Selisih transaksi ekuitas Transaksi dengan pihak non- Komponen transaksi ekuitas ditentukan penggunaannya-
dengan pihak non-pengendali pengendali lainnya lainnya cadangan umum dan wajib

Difference in value of equity Appropriated retained

transactions with non- Other transactions with non- Other components of equity earnings-general and legal
controlling interests controlling interests transactions reserves

2,778,412

2,778,412
2,778,412
 Saldo laba yang telah Ekuitas yang dapat
ditentukan penggunaannya- Saldo laba yang belum diatribusikan kepada
cadangan khusus ditentukan penggunaannya entitas induk Proforma ekuitas

Appropriated retained Unappropriated retained Equity attributable to parent

earnings-specific reserves earnings entity Proforma equity

64,202,289 110,192,520

64,202,289 110,192,520
10,898,518 10,898,518
759,403 721,992

(820,101) (820,101)

(128,026)
 431,683 2,873,469
75,471,792 123,738,372
 Statement of changes i

Kepentingan non-pengendali Ekuitas

Non-controlling interests Equity

2,679,679 112,872,199

2,679,679 112,872,199
78,533 10,977,051
23,393 745,385

(820,101)

(128,026)
 2,873,469
126,519,977
 Statement of changes in equity

Equity position
Balance before restatement at beginning of period
Adjustments
Initial adoption of new and revised accounting standards
Voluntary changes in accounting policies
Correction of prior period errors
Other adjustments
Equity position, beginning of the period
Profit (loss)
Other comprehensive income
Translation adjustment
Allocation for general reserves
Allocation for specific reserves
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
Retrospective adjustment of PSAK implementation
Other equity transactions
Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas

31 December 2022
Arus kas dari aktivitas operasi
Arus kas sebelum perubahan dalam aset dan liabilitas operasi
Penerimaan bunga, hasil investasi, provisi, dan komisi 53,867,559
Pembayaran bunga dan bonus, provisi dan komisi (12,982,903)
Bunga bank dan deposito berjangka
Penerimaan pendapatan pengelolaan dana sebagai mudharib
Pembayaran bagi hasil dana syirkah temporer
Penerimaan premi asuransi 6,221,661
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 (4,670,128)

Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan

Pendapatan dari transaksi operasional lainnya 29,188,180

Penerimaan kembali aset yang telah dihapusbukukan
Pembayaran biaya akuisisi ditangguhkan
Pembayaran atas beban keuangan dan beban administrasi bank
Pembayaran gaji dan tunjangan
Pembayaran pajak penghasilan badan (4,452,098)
Pembayaran beban umum dan administrasi
Laba (rugi) selisih kurs
Penerimaan pengembalian (pembayaran) pajak penghasilan
Pembayaran beban operasional lainnya (19,243,701)
Penerimaan pendapatan non-operasional (212,151)
Pengembalian (penempatan) uang jaminan
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi
Penurunan (kenaikan) aset operasi
Penurunan (kenaikan) penempatan pada bank lain dan Bank Indonesia
924,885

Penurunan (kenaikan) efek yang diperdagangkan 4,774,591

Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali 6,910,457
Penurunan (kenaikan) investasi pemegang polis pada kontrak unit-linked

Penurunan (kenaikan) wesel ekspor dan tagihan lainnya (936,193)

Penurunan (kenaikan) tagihan akseptasi 1,625,087
Penurunan (kenaikan) pinjaman yang diberikan (71,597,247)
Penurunan (kenaikan) piutang pembiayaan konsumen
Penurunan (kenaikan) investasi sewa
Penurunan (kenaikan) tagihan anjak piutang
Penurunan (kenaikan) piutang dan pembiayaan syariah
Penurunan (kenaikan) piutang murabahah
 Penurunan (kenaikan) piutang istishna
Penurunan (kenaikan) piutang ijarah
Penurunan (kenaikan) pinjaman qardh
Penurunan (kenaikan) pembiayaan mudharabah
Penurunan (kenaikan) pembiayaan musyarakah
Penurunan (kenaikan) aset ijarah
Penurunan (kenaikan) piutang lainnya
Penurunan (kenaikan) agunan yang diambil alih
Penurunan (kenaikan) tagihan derivatif
Penurunan (kenaikan) aset reasuransi
Penurunan (kenaikan) aset lainnya (1,214,534)
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas segera 129,115
Kenaikan (penurunan) giro dan tabungan simpanan nasabah 43,161,469
Kenaikan (penurunan) deposito berjangka nasabah (11,151,741)
Kenaikan (penurunan) giro wadiah simpanan nasabah
Kenaikan (penurunan) tabungan wadiah simpanan nasabah
Kenaikan (penurunan) deposito wakalah simpanan nasabah
Kenaikan (penurunan) simpanan dari bank lain 766,330
Kenaikan (penurunan) giro mudharabah
Kenaikan (penurunan) tabungan mudharabah
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali
Kenaikan (penurunan) liabilitas akseptasi (368,701)
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked

Kenaikan (penurunan) liabilitas derivatif

Kenaikan (penurunan) dana syirkah temporer
Kenaikan (penurunan) liabilitas lainnya (787,102)
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk)
19,952,835
aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham dalam klasifikasi biaya perolehan
diamortisasi dan nilai wajar melalui pendapatan komprehensif lainnya
Pencairan (penempatan) obligasi dan (atau) sukuk
Penerimaan dividen dari aktivitas investasi
Penerimaan dari penjualan (perolehan) properti investasi
Penerimaan dari penjualan (perolehan) aset tetap (1,488,748)
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill

Pencairan (penempatan) aset keuangan nilai wajar melalui pendapatan

(33,147,347)
komprehensif lainnya
Penempatan aset keuangan biaya perolehan diamortisasi
Pencairan aset keuangan biaya perolehan diamortisasi
Penerimaan dari (pembayaran kepada) pinjaman polis
Pembayaran untuk perolehan entitas anak (3,500,000)
Penerimaan dari pelepasan entitas anak
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak (500,000)
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 (425,756)
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi 6,828,697
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk)
(32,233,154)
aktivitas investasi
Arus kas dari aktivitas pendanaan
Kenaikan (penurunan) efek yang diterbitkan 2,000,000
Penerbitan sukuk mudharabah
Penempatan sertifikat investasi mudharabah
Biaya emisi sukuk mudharabah
Penerimaan pinjaman yang diterima 13,668,405
Pembayaran pinjaman yang diterima (10,919,385)
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 surat utang jangka menengah
Pembayaran dari surat utang jangka menengah
Penerimaan dari penerbitan saham baru
Pembayaran biaya emisi saham
Penerimaan setoran modal
Penerimaan dari penambahan kepemilikan dari non-pengendali
Penjualan (pembelian) dari saham tresuri
Penerimaan dari program opsi saham karyawan
Penyelesaian (penempatan) transaksi derivatif
Pembayaran dividen dari aktivitas pendanaan (2,724,629)
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan 700,851
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk)
2,725,242
aktivitas pendanaan
Jumlah kenaikan (penurunan) bersih kas dan setara kas (9,555,077)
Kas dan setara kas arus kas, awal periode 173,340,293
Efek perubahan nilai kurs pada kas dan setara kas 115,105
Kas dan setara kas dari entitas anak yang didekonsolidasikan
Kenaikan (penurunan) kas dan setara kas lainnya
Kas dan setara kas arus kas, akhir periode 163,900,321
Industry

Statement of cash flows

31 December 2021
Cash flows from operating activities
Cash flows before changes in operating assets and liabilities
49,017,156 Interest, investment income, fees and commissions received
(11,603,250) Payments Of Interest And Bonus Fees And Commissions
Interest from banks and time deposits
333,264 Revenue receipts from fund management as mudharib
(58,213) Payments of temporary syirkah funds
5,886,644 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

(4,487,687) Receipts from (payments to) customers

Withdrawal (placement) of deposits to clearing and guarantee institution

17,340,344 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
(3,075,099) Payments for corporate income tax
Payments for general and administrative expense
Foreign currency gains (losses)
Refunds (payments) of income tax
(23,518,575) Payments for other operating expenses
(216,297) Receipts from non-operating income
Repayment (placement) of refundable deposits
Other cash inflows (outflows) from operating activities
Decrease (increase) in operating assets
2,039,585
Decrease (increase) in placements with other banks and Bank Indonesia
(3,449,230) Decrease (increase) in marketable securities
(13,344,877) Decrease (increase) in securities purchased under resale agreements

Decrease (increase) in investment of policyholder in unit-linked contracts

(1,949,501) Decrease (increase) in bills and other receivables
217,600 Decrease (increase) in acceptance receivables
(5,735,124) Decrease (increase) in loans
Decrease (increase) in consumer financing receivables
Decrease (increase) in lease investments
Decrease (increase) in factoring
Decrease (increase) in sharia financing and receivables
Decrease (increase) in murabahah receivables
 Decrease (increase) in istishna receivables
Decrease (increase) in ijarah receivables
Decrease (increase) in qardh funds
Decrease (increase) in mudharabah financing
Decrease (increase) in musyarakah financing
Decrease (increase) in ijarah assets
Decrease (increase) in other receivables
Decrease (increase) in foreclosed assets
Decrease (increase) in derivative receivables
Decrease (increase) in reinsurance assets
1,976,845 Decrease (increase) in other assets
Increase (decrease) in operating liabilities
(1,006,967) Increase (decrease) in obligations due immediately
57,719,054 Increase (decrease) in current accounts and customers savings
23,877,813 Increase (decrease) in customers time deposits
Increase (decrease) in customers wadiah demand deposits
Increase (decrease) in customers wadiah saving deposits
Increase (decrease) in customers wakalah deposits
5,353,978 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
87,709 Increase (decrease) in acceptance payables

Increase (decrease) in liabilities to policyholder on unit-linked contracts

Increase (decrease) in derivative payables
Increase (decrease) in temporary syirkah funds
2,073,853 Increase (decrease) in other liabilities
97,479,025
Total net cash flows received from (used in) operating activities
Cash flows from investing activities
Proceeds from equity investments classified as amortized cost and fair
value through other comprehensive income
Withdrawal (placement) of bonds and (or) sukuk
Dividends received from investing activities
Proceeds from disposal (acquisition) of investment properties
(1,523,677) Proceeds from disposal (acquisition) of property and equipment

Proceeds from disposal (acquisition) of intangible assets other than goodwill

(14,132,630) Withdrawal (placement) of financial assets fair value through other
comprehensive income
Placement of financial assets amotized cost investments
Withdrawal of financial assets amortized cost investments
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
Other cash inflows (outflows) from investing activities
(15,656,307)
Total net cash flows received from (used in) investing activities
Cash flows from financing activities
Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah investments
Issuance cost of mudharabah sukuk
2,054,080 Proceeds from borrowings
(14,156,183) Payments for borrowings
15,664,702 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 medium term notes
Payments of medium term notes
Proceeds from issuance of new stocks
Payments of stock issuance costs
Proceeds from capital contributions
Proceed from increase of non-controlling interest
(128,026) Sales (purchase) of treasury stocks
Proceeds from employee stock options program
Settlement (placement) of derivative transactions
(820,101) Dividends paid from financing activities
(895,771) Other cash inflows (outflows) from financing activities
1,718,701
Total net cash flows received from (used in) financing activities
83,541,419 Total net increase (decrease) in cash and cash equivalents
126,907,599 Cash and cash equivalents cash flows, beginning of the period
505,258 Effect of exchange rate changes on cash and cash equivalents
Cash and cash equivalent of deconsolidated subsidiaries
(37,613,983) Other increase (decrease) in cash and cash equivalents
173,340,293 Cash and cash equivalents cash flows, end of the period
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry

Kebijakan akuntansi signifikan

Dasar penyusunan laporan keuangan konsolidasian

Prinsip-prinsip konsolidasi

Kas dan setara kas

Aset tetap

Penurunan nilai aset nonkeuangan

Beban tangguhan

Pengakuan pendapatan dan beban

Penjabaran mata uang asing

Transaksi dengan pihak berelasi

Pajak penghasilan

Pinjaman

Provisi

Imbalan kerja karyawan

Laba per saham

Dividen

Pelaporan segmen

Instrumen keuangan derivatif

Penerapan standar akutansi baru

Kombinasi bisnis
Penentuan nilai wajar

Transaksi dan saldo dalam mata uang asing

Giro pada Bank Indonesia dan bank lain

Penempatan pada Bank Indonesia dan bank lain

Efek-efek

Investasi jangka pendek

Aset hak guna

Properti investasi

Goodwill

Investasi pada entitas asosiasi

Aset takberwujud

Beban dibayar dimuka

Piutang dan utang asuransi

Piutang pembiayaan konsumen

Liabilitas atas kontrak

Simpanan nasabah dan simpanan dari bank lain

Obligasi subordinasi

Efek-efek yang dibeli dengan janji dibeli kembali

Saham treasuri

Modal saham
Pengaturan pembayaran berbasis saham

Biaya emisi efek ekuitas

Instrumen keuangan

Aset tidak lancar yang diklasifikasikan sebagai dimiliki untuk dijual

Peristiwa setelah tanggal periode pelaporan

Penerapan standar akuntansi baru

Standar akuntansi yang telah disahkan namun belum berlaku efektif

Utang pembiayaan konsumen

ncial and Sharia Industry

31 December 2022
 Significant accounting policies

Basis of preparation of consolidated financial statements

Principles of consolidation

Cash and cash equivalents

Fixed assets

Impairment of non-financial assets

Deferred charges

Revenue and expense recognition

Foreign currency translation

Transactions with related parties

 Income taxes

Borrowings

Provisions

Employee benefits

Earnings per share

Dividends

Segment reporting

Derivative financial instruments

The implementation of new statements of accounting standards

Business combination
 Determination of fair value

Foreign currency transactions and balances

Current accounts with Bank Indonesia and other banks

Placements with Bank Indonesia and other banks

Securities

Short-term investment

Right of use assets

Investment properties

Goodwill

Investment in associates
 Intangible assets

Prepaid expenses

Insurance receivables and payables

Consumer financing receivables

Contract liabilities

Deposits from customers and deposits from other banks

Subordinated bonds

Securities purchased under resell agreements

Treasury stock

Share capital
 Share-based payment arrangement

Stock issuance cost

Financial instruments

Non-current assets classified as held for sale

Events after reporting period

Adoption of new accounting standards

Accounting standards issued but not yet effective

Consumer financing liabilities

[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and S

31 December 2022

Aset tetap

Aset tetap, awal periode Penambahan aset tetap

Property, plant, and Addition in property, plant,

equipment, beginning period and equipment
Nilai perolehan, kotor Tanah, dimiliki langsung 15,968,903 47,028
Bangunan dan fasilitasnya,
10,492,068 788,530
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
Perabot dan peralatan kantor,
12,852,068 1,746,778
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung 39,313,039 2,582,336
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian 521,525 825,081
Aset dalam penyelesaian 521,525 825,081
Aset tetap 39,834,564 3,407,417
Akumulasi depresiasi Tanah, dimiliki langsung
Bangunan dan fasilitasnya,
2,992,099 1,031,897
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
 Perabot dan peralatan kantor,
9,959,483 1,831,234
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung 12,951,582 2,863,131
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap 12,951,582 2,863,131
Nilai perolehan Tanah, dimiliki langsung
Bangunan dan fasilitasnya,
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
Perabot dan peralatan kantor,
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap 26,882,982
l and Sharia Industry - Current Year

Penjabaran laporan keuangan

Pengurangan aset tetap
Disposals in property, plant,
and equipment
(6,002)
Reklasifikasi aset tetap aset tetap Entitas anak baru aset tetap
Translation adjustment in
Reclassifications of property, property, plant, and New subsidiaries in property,
plant, and equipment equipment plant, and equipment

(419,038) 96,387

(709,070) 110,745

(1,134,110) 207,132

(432,065) (207,132)
(432,065) (207,132)
(1,566,175) 0

(198,494)
(409,654)

(608,148)

(608,148)
 Property, plan
Penurunan (pemulihan) nilai
Revaluasi aset tetap aset tetap Aset tetap, akhir periode
Impairment (recovery) of
Revaluation of property, plant, property, plant, and Property, plant, and
and equipment equipment equipment, end period
13,408 16,023,337 Land, directly owned
Building and leasehold
33,742 (0) 10,991,689
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
Furniture and office
32,502 (0) 14,033,023
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
79,652 (0) 41,048,049 Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
707,409
construction
Others, assets under
construction
Assets under construction
707,409
79,652 41,755,458 Property, plant, and
equipment
Land, directly owned
Building and leasehold
3,825,502
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
 Furniture and office
11,381,063
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
15,206,565 Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
construction
Others, assets under
construction
Assets under construction
15,206,565 Property, plant, and
equipment
Land, directly owned
Building and leasehold
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
Furniture and office
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
 Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
construction
Others, assets under
construction
Assets under construction
26,548,893 Property, plant, and
equipment
operty, plant, and equipment

Carrying amount, gross

Carrying amount, accumulated

depreciation
Carrying amount
[4611000] Notes to the financial statements - Property, Plant, and Equipement - Financial and S

31 December 2021

Aset tetap

Aset tetap, awal periode Penambahan aset tetap

Property, plant, and Addition in property, plant,

equipment, beginning period and equipment
Nilai perolehan, kotor Tanah, dimiliki langsung 16,023,730 151,216
Bangunan dan fasilitasnya,
9,136,745 790,014
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
Perabot dan peralatan kantor,
12,785,902 1,005,435
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung 37,946,377 1,946,665
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian 1,011,868 113,558
Aset dalam penyelesaian 1,011,868 113,558
Aset tetap 38,958,245 2,060,223
Akumulasi depresiasi Tanah, dimiliki langsung
Bangunan dan fasilitasnya,
1,687,892 855,679
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
 Perabot dan peralatan kantor,
9,907,953 1,151,237
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung 11,595,845 2,006,916
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap 11,595,845 2,006,916
Nilai perolehan Tanah, dimiliki langsung
Bangunan dan fasilitasnya,
dimiliki langsung
Mesin dan peralatan, dimiliki
langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki
langsung
Perabot dan peralatan kantor,
dimiliki langsung
Kendaraan bermotor, dimiliki
langsung
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung
Bangunan, aset hak guna
Mesin, aset hak guna
Alat berat, aset hak guna

Alat pengangkutan, aset hak

guna
Kendaraan bermotor, aset
hak gunadan peralatan kantor,
Perabot
aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Lainnya, aset hak guna
Aset hak guna
Bangunan, dalam
penyelesaian
Mesin dan alat berat, dalam
penyelesaian
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap 27,362,400
l and Sharia Industry - Prior Year

Penjabaran laporan keuangan

Pengurangan aset tetap
Disposals in property, plant,
and equipment
(177,648)
Reklasifikasi aset tetap aset tetap
Translation adjustment in
Reclassifications of property, property, plant, and
plant, and equipment equipment
5,724
Entitas anak baru aset tetap
New subsidiaries in property,
plant, and equipment

(203,955) 813,420

(230,570) (245,459)

(612,173) 573,685

(573,685)
(573,685)
(612,173) 0

(86,389) 612,634
(192,479) (612,634)

(278,868) 0

(278,868)
 Property, plan
Penurunan (pemulihan) nilai
Revaluasi aset tetap aset tetap Aset tetap, akhir periode
Impairment (recovery) of
Revaluation of property, plant, property, plant, and Property, plant, and
and equipment equipment equipment, end period
617,963 (652,082) 15,968,903 Land, directly owned
Building and leasehold
294,893 (339,049) 10,492,068
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
Furniture and office
(463,240) 12,852,068
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
912,856 (1,454,371) 39,313,039 Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
(30,216) 521,525
construction
Others, assets under
construction
Assets under construction
(30,216) 521,525
912,856 (1,484,587) 39,834,564 Property, plant, and
equipment
Land, directly owned
Building and leasehold
6,566 (84,283) 2,992,099
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
 Furniture and office
(294,594) 9,959,483
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
6,566 (378,877) 12,951,582 Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
construction
Others, assets under
construction
Assets under construction
6,566 (378,877) 12,951,582 Property, plant, and
equipment
Land, directly owned
Building and leasehold
improvement, directly owned
Machinery and equipment,
directly owned
Heavy equipment, directly
owned
Transportation equipment,
directly owned
Furniture and office
equipment, directly owned
Motor vehicle, directly owned

Aircraft, directly owned

Vessels, directly owned
Others, directly owned
Directly owned
Building, right of use assets
Machinery, right of use assets
Heavy equipment, right of use
assets
Transportation equipment,
right of use assets
Motor vehicle, rights of use
Furniture andassets
office
equipment, rights of use
assets
Aircraft, right of use assets
 Vessels, right of use assets
Others, right of use assets
Right of use assets
Building, assets under
Machineryconstruction
and heavy
equipment, assets under
construction
Others, assets under
construction
Assets under construction
26,882,982 Property, plant, and
equipment
operty, plant, and equipment

Carrying amount, gross

Carrying amount, accumulated

depreciation
Carrying amount
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Fin

Pengungkapan

Pengungkapan catatan atas aset tetap

- Property, Plant and Equipment - Financial and Sharia Industry

31 December 2022
dustry

Disclosure

Disclosure of notes for property, plant and equipment

[4695100] Disclosure of Notes to the financial statements - Borrowings - Financial and Sharia I

Pengungkapan

Pengungkapan catatan atas pinjaman

owings - Financial and Sharia Industry

31 December 2022
 Disclosure

Disclosure of notes for borrowings