[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 atau suatu kelompok entitas
Periode penyampaian laporan keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan jika
mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam
penyajian jumlah dalam laporan keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf
pendapat untuk penekanan atas suatu
masalah atau paragraf penjelasan lainnya,
jika ada
Hasil penugasan review
Tanggal laporan audit atau hasil laporan
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 2021
PT Bank Negara Indonesi Entity name
Explanation of change in name from the
end of the preceding reporting period
BBNI Entity code
AA265 Entity identification number
Keuangan dan Syariah / Entity main industry
8. Finance Sector
81. Bank Subsector
Indonesian Controlling shareholder information
Government
Local Company - Type of entity
Indonesia
Saham dan Obligasi / S Type of listed securities
Type of board on which the entity is listed
Entitas grup / Group Whether the financial statements are of an
entity individual entity or a group of entities
Period of financial statements submissions
Kuartal I / First Quarter
2021-01-01 Current period start date
2021-03-31 Current period end date
2020-12-31 Prior year end date
2020-01-01 Prior period start date
2020-03-31 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 2021 31 December 2020
Aset Assets
Kas 11,343,663 17,324,047 Cash
Dana yang dibatasi penggunaannya Restricted funds
Giro pada bank indonesia 23,284,023 35,065,701 Current accounts with bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 20,658,798 15,640,158 Current accounts with other banks
third parties
Giro pada bank lain pihak berelasi 1,664,350 473,708 Current accounts with other banks
related parties
Cadangan kerugian penurunan nilai (8) (6,078) 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 60,165,893 60,634,599 Placements with bank Indonesia and
bank lain pihak ketiga other banks third parties
Penempatan pada bank indonesia dan 534,936 694,833 Placements with bank Indonesia and
bank lain pihak berelasi other banks related parties
Cadangan kerugian penurunan nilai (46) (173) 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 14,975,308 22,488,558 Marketable securities third parties
ketiga
Efek-efek yang diperdagangkan pihak 6,701,681 7,458,258 Marketable securities related parties
berelasi
Cadangan kerugian penurunan nilai (253,893) (260,219) 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 20,010,786 8,666,091 Securities purchased under agreement to
kembali resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya 6,525,460 7,363,188 Bills and other receivables third parties
pihak ketiga
Wesel ekspor dan tagihan lainnya 10,922,471 10,653,247 Bills and other receivables related
pihak berelasi parties
Cadangan kerugian penurunan nilai (351,948) (122,901) Allowance for impairment losses for
pada wesel ekspor dan tagihan bills and other receivables
lainnya
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
13,156,566 14,119,058 Acceptance receivables third parties
7,722,584 7,655,982 Acceptance receivables related parties
(673,824) (1,199,374) Allowance for impairment losses for
acceptance receivables
Derivative receivables
522,492 1,320,857 Derivative receivables third parties
35,256 139,757 Derivative receivables related parties
Loans
458,340,283 473,299,347 Loans third parties
100,991,742 112,907,440 Loans related parties
(46,231,771) (44,227,986) 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
 Pembiayaan mudharabah pihak ketiga Mudharabah financing third parties

Pembiayaan mudharabah pihak Mudharabah financing related parties

berelasi
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada pembiayaan mudharabah mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak ketiga Musyarakah financing third parties

Pembiayaan musyarakah pihak Musyarakah financing related parties

berelasi
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada pembiayaan musyarakah musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga Lease investments third parties
Investasi sewa pihak berelasi Lease investments related parties
Investasi sewa nilai residu yang Lease investments guaranteed
terjamin residual value
Investasi sewa pendapatan Lease investments deferred financing
pembiayaan tangguhan income
Investasi sewa simpanan jaminan Lease investments guarantee deposits

Cadangan kerugian penurunan nilai Allowance for impairment losses for

pada investasi sewa lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga Factoring receivables third parties
Tagihan anjak piutang pihak berelasi Factoring receivables related parties
Tagihan anjak piutang pada Factoring receivables on deferred
pendapatan anjak piutang tangguhan factoring income
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada tagihan anjak piutang factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga Other receivables third parties
Piutang lainnya pihak berelasi Other receivables related parties
Cadangan kerugian penurunan nilai Allowance for impairment losses for
pada piutang lainnya other receivables
Aset keuangan lainnya Other financial assets
Obligasi pemerintah 93,823,277 90,659,318 Government bonds
Aset tidak lancar atau kelompok lepasan Non-current assets or disposal groups
diklasifikasikan sebagai dimiliki untuk classified as held-for-sale
dijual
Aset tidak lancar atau kelompok lepasan Non-current assets or disposal groups
diklasifikasikan sebagai dimiliki untuk classified as held-for-distribution to
didistribusikan kepada pemilik owners
Uang muka Advances
Biaya dibayar dimuka 3,295,347 2,807,092 Prepaid expenses
Jaminan Guarantees
Pajak dibayar dimuka 1,052,234 1,049,787 Prepaid taxes
Klaim atas pengembalian pajak Claims for tax refund
Aset pajak tangguhan 5,739,338 4,799,832 Deferred tax assets
Investasi yang dicatat dengan Investments accounted for using equity
menggunakan metode ekuitas method
Investasi pada entitas anak, ventura Investments in subsidiaries, joint ventures
bersama, dan entitas asosiasi and associates
 Investasi pada entitas anak Investments in subsidiaries
Investasi pada entitas ventura Investments in joint ventures
bersama
Investasi pada entitas asosiasi 8,862,192 813,087 Investments in associates
Aset reasuransi Reinsurance assets
Aset imbalan pasca kerja Post-employment benefit assets
Goodwill Goodwill
Aset takberwujud selain goodwill Intangible assets other than goodwill
Properti investasi Investment properties
Aset ijarah Ijarah assets
Aset tetap 25,942,536 27,362,400 Property and equipment
Agunan yang diambil alih Foreclosed assets
Aset pengampunan pajak Tax amnesty assets
Aset lainnya 13,681,053 13,757,811 Other assets
Jumlah aset 862,440,779 891,337,425 Total assets
Liabilitas, dana syirkah temporer dan Liabilities, temporary syirkah funds and
ekuitas equity
Liabilitas Liabilities
Liabilitas segera 4,124,993 5,560,702 Obligations due immediately
Bagi hasil yang belum dibagikan Undistributed profit sharing
Dana simpanan syariah Sharia deposits
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 159,938,499 151,006,541 Current accounts third parties
Giro pihak berelasi 72,407,383 73,656,329 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 200,666,469 223,253,018 Savings third parties
Tabungan pihak berelasi 554,967 432,661 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 171,478,121 162,926,346 Time deposits third parties
Deposito berjangka pihak berelasi 33,928,608 36,296,849 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 12,631,188 9,023,031 Other banks deposits
Efek yang dijual dengan janji untuk 2,303,509 2,590,268 Securities sold with repurchase
dibeli kembali agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 325,470 359,172 Derivative payables third parties
Liabilitas derivatif pihak berelasi 8,515 55,108 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 4,704,018 5,500,360 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 42,932,334 43,219,938 Borrowings third parties

Pinjaman yang diterima pihak 909,304 894,376 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 2,985,001 2,985,011 Bonds
Sukuk ijarah Ijarah sukuk
Surat utang jangka menengah Mid-term loans
Efek yang diterbitkan lainnya 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 995,357 1,421,914 Estimated losses on commitments and
kontinjensi contingencies
Beban akrual 948,505 1,181,534 Accrued expenses
Utang pajak 1,768,454 1,147,777 Taxes payable
Liabilitas pajak tangguhan Deferred tax liabilities
Liabilitas pengampunan pajak Tax amnesty liabilities
Liabilitas lainnya 18,917,833 18,280,485 Other liabilities
Kewajiban imbalan pasca kerja 4,818,195 6,344,268 post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga 7,329,526 74,981 Subordinated loans third parties
Pinjaman subordinasi pihak berelasi 27,897 24,994 Subordinated loans related parties

Jumlah liabilitas 744,704,146 746,235,663 Total liabilities

Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga 1,755,950 Mudharabah current account third
parties
Giro berjangka mudharabah pihak 1,056,206 Mudharabah current account
berelasi related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak 12,996,325 Mudharabah saving deposits third
ketiga parties
Tabungan mudharabah pihak 13,950 Mudharabah saving deposits
berelasi related parties
Deposito berjangka mudharabah Mudharabah time deposits
 Deposito berjangka mudharabah 14,047,804 Mudharabah time deposits third
pihak ketiga parties
Deposito berjangka mudharabah 2,010,466 Mudharabah time deposits related
pihak berelasi parties
Bank Bank
Giro mudharabah 11,996 Mudharabah current account
Tabungan mudharabah (ummat) 185,479 Mudharabah saving deposits
(ummat)
Deposito berjangka mudharabah 151,387 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 32,229,563 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 9,054,807 9,054,807 Common stocks
Saham preferen Preferred stocks
Tambahan modal disetor 17,053,988 14,568,468 Additional paid-in capital
Saham tresuri (79,449) (79,449) Treasury stocks
Uang muka setoran modal Advances in capital stock
Opsi saham Stock options
Cadangan revaluasi 14,513,088 14,962,961 Revaluation reserves
Cadangan selisih kurs penjabaran 566,238 23,254 Reserve of exchange differences on
translation
Cadangan perubahan nilai wajar aset 812,949 2,424,779 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 2,256,999 2,256,999 Other reserves
Komponen ekuitas lainnya Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan Appropriated retained earnings
penggunaanya
Cadangan umum dan wajib 2,778,412 2,778,412 General and legal reserves
Cadangan khusus Specific reserves
Saldo laba yang belum ditentukan 68,185,970 64,202,289 Unappropriated retained earnings
penggunaannya
Jumlah ekuitas yang diatribusikan 115,143,002 110,192,520 Total equity attributable to equity
kepada pemilik entitas induk owners of parent entity
Proforma ekuitas Proforma equity
Kepentingan non-pengendali 2,593,631 2,679,679 Non-controlling interests
Jumlah ekuitas 117,736,633 112,872,199 Total equity
Jumlah liabilitas, dana syirkah temporer 862,440,779 891,337,425 Total liabilities, temporary syirkah funds
dan ekuitas and equity
al and Sharia
[4312000] Statement of profit or loss and other comprehensive income, OCI components pres
net of 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 2021 31 March 2020

Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 12,364,010 14,744,883 Interest income
Beban bunga (2,960,808) (5,205,560) 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 1,171,295 1,801,679 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 (873,652) (570,642) 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
461,587 273,581 Realised gains (losses) on trading of
marketable securities
(5,086) (984,276) Gains (losses) on changes in fair value
of marketable securities
Other operating income
Investments income
2,111,686 2,060,166 Provisions and commissions income
from transactions other than loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from derivative
instruments
544,789 355,100 Revenue from recovery of written-off
assets
366,954 534,053 Gains (losses) on changes in foreign
exchange rates
Gains (losses) on disposal of property
and equipment
Gains (losses) on disposal of
foreclosed assets
260,265 207,496 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
 Pembentukan penyisihan kerugian (4,812,063) (2,270,768) Allowances for impairment losses on
penurunan nilai aset produktif earnings assets
Pembentukan penyisihan kerugian Allowances for impairment losses on
penurunan nilai aset non-produktif non-earnings assets
Pembalikan (beban) estimasi kerugian Reversal (expense) of estimated losses
komitmen dan kontijensi on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi (4,182,582) (3,925,802) General and administrative expenses
Beban penjualan (130,784) (236,991) Selling expenses
Beban sewa, pemeliharaan, dan (334,610) (402,576) Rent, maintenance and improvement
perbaikan expenses
Beban provisi dan komisi (58,230) (137,644) Other fees and commissions expenses

Beban operasional lainnya (895,765) (887,483) Other operating expenses

Jumlah laba operasional 3,027,006 5,355,216 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense

Pendapatan bukan operasional (8,027) 10,052 Non-operating income

Beban bukan operasional (15,156)
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 3,003,823
penghasilan
Pendapatan (beban) pajak (609,104)
Jumlah laba (rugi) dari operasi yang 2,394,719
dilanjutkan
Laba (rugi) dari operasi yang dihentikan
Jumlah laba (rugi) 2,394,719
Pendapatan komprehensif lainnya, setelah
pajak
Pendapatan komprehensif lainnya yang
tidak akan direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif lainnya
atas keuntungan (kerugian) hasil
revaluasi aset tetap, setelah pajak
Pendapatan komprehensif lainnya 1,062,878
atas pengukuran kembali kewajiban
manfaat pasti, setelah pajak
Penyesuaian lainnya atas pendapatan (212,576)
komprehensif lainnya yang tidak akan
direklasifikasi ke laba rugi, setelah
pajak
Jumlah pendapatan komprehensif 850,302
lainnya yang tidak akan direklasifikasi
ke laba rugi, setelah pajak
(30,081) 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
5,335,187 Total profit (loss) before tax
(1,115,263) Tax benefit (expenses)
4,219,924 Total profit (loss) from continuing
operations
Profit (loss) from discontinued operations
4,219,924 Total profit (loss)
Other comprehensive income, after tax
Other comprehensive income that will not
be reclassified to profit or loss, after tax
Other comprehensive income for gains
(losses) on revaluation of property and
equipment, after tax
216,244 Other comprehensive income for
remeasurement of defined benefit
obligation, after tax
(43,249) Other adjustments to other
comprehensive income that will not be
reclassified to profit or loss, after tax
172,995 Total other comprehensive income that
will not be reclassified to profit or loss,
after tax

Pendapatan komprehensif lainnya yang Other comprehensive income that may

akan direklasifikasi ke laba rugi, setelah be reclassified to profit or loss, after tax
pajak
 Keuntungan (kerugian) selisih kurs
penjabaran, setelah pajak
Penyesuaian reklasifikasi selisih kurs
penjabaran, setelah pajak
Keuntungan (kerugian) yang belum
direalisasi atas perubahan nilai wajar
aset keuangan yang tersedia untuk
dijual, setelah pajak
Penyesuaian reklasifikasi atas aset
keuangan tersedia untuk dijual,
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 ke
laba rugi, setelah pajak
Jumlah pendapatan komprehensif
lainnya, setelah pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat diatribusikan
Laba (rugi) yang dapat diatribusikan ke
entitas induk
Laba (rugi) yang dapat diatribusikan ke
kepentingan non-pengendali
Laba rugi komprehensif yang dapat
diatribusikan
Laba rugi komprehensif yang dapat
diatribusikan ke entitas induk
542,984 40,043 Gains (losses) on exchange
differences on translation, after tax
Reclassification adjustments on
exchange differences on translation,
after tax
(2,028,518) (3,055,793) Unrealised gains (losses) on changes
in fair value of available-for-sale
financial assets, after tax
Reclassification adjustments on
available-for-sale 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
405,704 611,159 Other adjustments to other
comprehensive income that may be
reclassified to profit or loss, after tax
(1,079,830) (2,404,591) Total other comprehensive income that
may be reclassified to profit or loss,
after tax
(229,528) (2,231,596) Total other comprehensive income, after
tax
2,165,191 1,988,328 Total comprehensive income
Profit (loss) attributable to
2,384,720 4,252,654 Profit (loss) attributable to parent entity
9,999 (32,730) Profit (loss) attributable to non-controlling
interests
Comprehensive income attributable to
2,208,767 2,111,154 Comprehensive income attributable to
parent entity
 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
(43,576) (122,826) Comprehensive income attributable to
non-controlling interests
Earnings (loss) per share
Basic earnings per share attributable to
equity owners of the parent entity
128.00 228.00 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
ents presented
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current 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 9,054,807 14,568,468
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 9,054,807 14,568,468

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 2,485,520
Posisi ekuitas, akhir periode 9,054,807 17,053,988
nt Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

(79,449) 14,962,961

(79,449) 14,962,961
 (449,873)
(79,449) 14,513,088

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

23,254 2,424,779

23,254 2,424,779

542,984 (1,611,830)
566,238 812,949
 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

2,256,999

2,256,999
2,256,999

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Transaksi dengan pihak
non-pengendali lainnya
Other transactions with non-
controlling interests
Komponen transaksi
ekuitas lainnya
Other components of equity
transactions
Saldo laba yang telah
ditentukan
penggunaannya-
cadangan umum dan
wajib
Appropriated retained
earnings-general and legal
reserves

2,778,412

2,778,412
2,778,412
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

64,202,289 110,192,520

64,202,289 110,192,520

2,384,720 2,384,720
892,893 (175,953)
 706,068 2,741,715
68,185,970 115,143,002
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
2,679,679 112,872,199 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
2,679,679 112,872,199 Equity position, beginning of the
period
9,999 2,394,719 Profit (loss)
(53,575) (229,528) Other comprehensive income
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
(42,472) 2,699,243 Other equity transactions
2,593,631 117,736,633 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 March 2020

Laporan perubahan
ekuitas

Saham biasa Saham preferen Tambahan modal disetor

Common stocks Preferred stocks Additional paid-in capital

Posisi ekuitas
Saldo awal periode sebelum 9,054,807 14,568,468
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 9,054,807 14,568,468

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 9,054,807 14,568,468
Year

Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi

Treasury stocks Advances in capital stock Stock options Revaluation reserves

14,946,879

14,946,879

(79,449)
 (233,953)
(79,449) 14,712,926

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

47,199 (822,278)

47,199 (822,278)

40,043 (2,356,938)
87,242 (3,179,216)
 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

2,256,999

2,256,999
2,256,999

Selisih transaksi ekuitas
dengan pihak non-
pengendali
Difference in value of equity
transactions with non-
controlling interests
Transaksi dengan pihak
non-pengendali lainnya
Other transactions with non-
controlling interests
Komponen transaksi
ekuitas lainnya
Other components of equity
transactions
Saldo laba yang telah
ditentukan
penggunaannya-
cadangan umum dan
wajib
Appropriated retained
earnings-general and legal
reserves

2,778,412

2,778,412
2,778,412
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

79,685,093 122,515,579

(13,225,911) (13,225,911)

66,459,182 109,289,668

4,252,654 4,252,654
175,395 (2,141,500)

(3,846,119) (3,846,119)

(79,449)
 233,953
67,275,065 107,475,254
 Statement of changes in
equity

Kepentingan non-
pengendali Ekuitas

Non-controlling interests Equity

Equity position
2,488,369 125,003,948 Balance before restatement at
beginning of period
Adjustments
(13,225,911) Initial adoption of new and
revised accounting standards
Voluntary changes in accounting
policies
Correction of prior period errors
Other adjustments
2,488,369 111,778,037 Equity position, beginning of the
period
(32,730) 4,219,924 Profit (loss)
(90,096) (2,231,596) Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(3,846,119) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments

(79,449) 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
2,365,543 109,840,797 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cash flows

31 March 2021 31 March 2020
Arus kas dari aktivitas operasi Cash flows from operating activities
Arus kas sebelum perubahan dalam aset Cash flows before changes in operating
dan liabilitas operasi assets and liabilities
Penerimaan bunga, hasil investasi, 12,274,948 14,549,128 Interest, investment income, fees and
provisi, dan komisi commissions received
Pembayaran bunga dan bonus, provisi (2,966,911) (5,240,908) Payments Of Interest And Bonus Fees
dan komisi And Commissions
Bunga bank dan deposito berjangka Interest from banks and time deposits

Penerimaan pendapatan pengelolaan Revenue receipts from fund

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
management as mudharib
Payments of temporary syirkah funds
1,171,295 1,801,679 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
(873,652) (570,642) Receipts from (payments to)
customers
Withdrawal (placement) of deposits to
clearing and guarantee institution
3,634,258 3,622,426 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

Laba (rugi) selisih kurs Foreign currency gains (losses)

Penerimaan pengembalian (376,352) (767,870) Refunds (payments) of income tax
(pembayaran) pajak penghasilan
Pembayaran beban operasional (8,041,747) (3,655,949) Payments for other operating
lainnya expenses
Penerimaan pendapatan non- (23,184) (20,030) Receipts from non-operating income
operasional
Pengembalian (penempatan) uang Repayment (placement) of refundable
jaminan deposits
Penerimaan (pengeluaran) kas lainnya Other cash inflows (outflows) from
dari aktivitas operasi operating activities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan 1,124,208 20,385,866 Decrease (increase) in placements
pada bank lain dan bank indonesia with other banks and bank indonesia
Penurunan (kenaikan) efek yang (1,382,135) 578,066 Decrease (increase) in marketable
diperdagangkan securities
 Penurunan (kenaikan) efek yang dibeli
dengan janji dijual kembali
Penurunan (kenaikan) investasi
pemegang polis pada kontrak unit-
linked
Penurunan (kenaikan) wesel ekspor
dan tagihan lainnya
Penurunan (kenaikan) tagihan
akseptasi
Penurunan (kenaikan) pinjaman yang
diberikan
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
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas segera
Kenaikan (penurunan) giro dan
tabungan simpanan nasabah
Kenaikan (penurunan) deposito
berjangka nasabah
Kenaikan (penurunan) giro wadiah
simpanan nasabah
Kenaikan (penurunan) tabungan
wadiah simpanan nasabah
Kenaikan (penurunan) deposito
wakalah simpanan nasabah
(11,344,695) (6,993,416) Decrease (increase) in securities
purchased under resale agreements
Decrease (increase) in investment of
policyholder in unit-linked contracts
568,504 2,464,638 Decrease (increase) in bills and other
receivables
895,890 3,059,136 Decrease (increase) in acceptance
receivables
24,329,222 (24,801,247) 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
(324,883) (2,782,652) Decrease (increase) in other assets
Increase (decrease) in operating liabilities
(1,435,709) 1,354,574 Increase (decrease) in obligations due
immediately
(14,781,231) 2,300,731 Increase (decrease) in current
accounts and customers savings
6,183,534 18,298,113 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
 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
3,608,157 2,597,718 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
(796,342) 549,435 Increase (decrease) in acceptance
payables
Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative
payables
(32,229,563) 676,602 Increase (decrease) in temporary
syirkah funds
(49,743) 1,374,770 Increase (decrease) in other liabilities
(20,836,131) 28,780,168 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
(1,816,702) (366,196) Withdrawal (placement) of bonds and (or)
sukuk
Dividends received from investing
activities
Proceeds from disposal (acquisition) of
investment properties
(1,699,531) (2,519,760) 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
7,008,140 (1,125,387) 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
3,491,907 (4,011,343) 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
Increase (decrease) in securities issued
Issuance of mudharabah sukuk
Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
(257,676) 7,761,747 Proceeds from borrowings
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
7,257,448 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
(820,101) (3,846,119) Dividends paid from financing activities
(222,710) 12,273 Other cash inflows (outflows) from
financing activities
5,956,961 3,927,901 Total net cash flows received from (used
in) financing activities
(11,387,263) 28,696,726 Total net increase (decrease) in cash and
cash equivalents
126,907,599 81,184,598 Cash and cash equivalents cash flows,
beginning of the period
330,087 142,775 Effect of exchange rate changes on cash
and cash equivalents
Other increase (decrease) in cash and
cash equivalents
115,850,423 110,024,099 Cash and cash equivalents cash flows,
end of the period