Nomor Surat NO.S.B.

116-MDO/10-2020
Nama Emiten PT Bank BRIsyariah Tbk
Kode Emiten BRIS
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit

Perseroan dengan ini menyampaikan laporan keuangan untuk periode 9 Bulan yang berakhir pada 30/09/2020 dengan ikhtisar sebagai berikut :

Informasi mengenai anak perusahaan Perseroan sebagai berikut :

No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1

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

Bank BRIsyariah Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information
Informasi umum
Nama entitas
Penjelasan perubahan nama dari akhir
periode laporan sebelumnya
Kode entitas
Nomor identifikasi entitas
Industri utama entitas
Sektor
Subsektor
Informasi pemegang saham pengendali National Corporation
Jenis entitas
Jenis efek yang dicatatkan
Jenis papan perdagangan tempat
entitas tercatat
Apakah merupakan laporan keuangan Entitas tunggal / Single entity
satu entitas atau suatu kelompok entitas
Periode penyampaian laporan
keuangan
Tanggal awal periode berjalan
Tanggal akhir periode berjalan
Tanggal akhir tahun sebelumnya
Tanggal awal periode sebelumnya
Tanggal akhir periode sebelumnya
Mata uang pelaporan
Kurs konversi pada tanggal pelaporan
jika mata uang penyajian selain rupiah
Pembulatan yang digunakan dalam
penyajian jumlah dalam laporan
keuangan
Jenis laporan atas laporan keuangan
Jenis opini auditor
Hal yang diungkapkan dalam paragraf
pendapat untuk penekanan atas suatu
masalah atau paragraf penjelasan
lainnya, jika ada
Hasil penugasan review
Tanggal laporan audit atau hasil laporan
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
Kepatuhan terhadap pemenuhan
General information
30 September 2020
PT Bank BRIsyariah Tbk Entity name
Explanation of change in name from the
end of the preceding reporting period
BRIS Entity code
AA744 Entity identification number
Keuangan dan Syariah / Entity main industry
Financial and Sharia
8. Finance Sector
81. Bank Subsector
Controlling shareholder information
Local Company - Indonesia Type of entity
Jurisdiction
Saham dan Obligasi / Stock and Type of listed securities
Bond
Type of board on which the entity is
listed
Whether the financial statements are of
an individual entity or a group of entities
Kuartal III / Third Quarter Period of financial statements
submissions
January 01, 2020 Current period start date
September 30, 2020 Current period end date
December 31, 2019 Prior year end date
January 01, 2019 Prior period start date
September 30, 2019 Prior period end date
Rupiah / IDR Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than
rupiah
Jutaan / In Million Level of rounding used in financial
statements
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
Ya / Yes Whether in compliance with BAPEPAM
peraturan BAPEPAM LK VIII A dua LK VIII A two rules concerning
tentang independensi akuntan yang independence of accountant providing
memberikan jasa audit di pasar modal audit services in capital market
[4220000] Statement of financial position presented using order of liquidity -
Financial and Sharia Industry

Laporan posisi Statement of financial

keuangan position
30 September 2020 31 December 2019
Aset Assets
Kas 389,263 262,485 Cash
Giro pada bank indonesia 1,325,514 1,327,895 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 40,493 6,815 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 1,651,469 295,923 Current accounts with other
berelasi banks related parties
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 2,708,000 3,273,000 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 60,000 1,889,017 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 9,293,885 8,379,253 Marketable securities
diperdagangkan pihak related parties
berelasi
Wesel ekspor dan tagihan Bills and other receivables
lainnya
Wesel ekspor dan tagihan 24,011 0 Bills and other receivables
lainnya pihak ketiga third parties
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 81,085 1,381 Acceptance receivables
ketiga third parties
Piutang murabahah Murabahah receivables
Piutang murabahah pihak 23,313,750 13,281,214 Murabahah receivables
ketiga third parties
Piutang murabahah pihak 228,340 278,503 Murabahah receivables
berelasi related parties
Cadangan kerugian ( 774,897 ) ( 366,869 ) Allowance for impairment
penurunan nilai pada losses for murabahah
piutang murabahah receivables
Piutang istishna Istishna receivables
Piutang istishna pihak 678 2,709 Istishna receivables third
ketiga parties
Cadangan kerugian (6) (9) Allowance for impairment
penurunan nilai pada losses for istishna
piutang istishna receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga 31,341 19,589 Ijarah receivables third
parties
Cadangan kerugian ( 8,473 ) ( 1,697 ) Allowance for impairment
penurunan nilai pada losses for ijarah receivables
piutang ijarah
Pinjaman qardh Qardh funds
 Pinjaman qardh pihak 175,788 137,519 Qardh funds third parties
ketiga
Pinjaman qardh pihak 178,412 269,135 Qardh funds related parties
berelasi
Cadangan kerugian ( 11,128 ) ( 7,319 ) Allowance for impairment
penurunan nilai pada losses for qardh funds
pinjaman qardh
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah 222,682 219,458 Mudharabah financing third
pihak ketiga parties
Pembiayaan mudharabah 140,136 194,638 Mudharabah financing
pihak berelasi related parties
Cadangan kerugian ( 19,446 ) ( 6,850 ) Allowance for impairment
penurunan nilai pada losses for mudharabah
pembiayaan mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah 11,258,682 8,093,732 Musyarakah financing third
pihak ketiga parties
Pembiayaan musyarakah 3,611,467 3,289,289 Musyarakah financing
pihak berelasi related parties
Cadangan kerugian ( 416,448 ) ( 363,148 ) Allowance for impairment
penurunan nilai pada losses for musyarakah
pembiayaan musyarakah financing
Uang muka 19,475 90,047 Advances
Biaya dibayar dimuka 229,619 188,400 Prepaid expenses
Aset pajak tangguhan 218,813 238,999 Deferred tax assets
Aset ijarah 1,198,855 1,597,231 Ijarah assets
Aset tetap 409,199 224,050 Property and equipment
Agunan yang diambil alih 0 3,156 Foreclosed assets
Aset lainnya 516,210 305,942 Other assets
Jumlah aset 56,096,769 43,123,488 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 192,662 61,253 Obligations due
immediately
Bagi hasil yang belum 64,655 52,503 Undistributed profit sharing
dibagikan
Simpanan nasabah Customers Deposits
Giro wadiah Wadiah demand
deposits
Giro wadiah pihak 6,700,335 1,626,551 Wadiah demand
ketiga deposits third parties
Giro wadiah pihak 728,268 403,347 Wadiah demand
berelasi deposits related
parties
Tabungan wadiah Wadiah savings
Tabungan wadiah 8,227,657 6,948,312 Wadiah savings third
pihak ketiga parties
Tabungan wadiah 11,468 3,376 Wadiah savings
pihak berelasi related parties
Simpanan dari bank lain 48,818 15,999 Other banks deposits
Liabilitas akseptasi 81,085 1,381 Acceptance payables
Estimasi kerugian 3,220 1,972 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Utang pajak 75,907 80,926 Taxes payable
Liabilitas lainnya 539,484 2,641,184 Other liabilities
Kewajiban imbalan pasca 47,140 43,232 post-employment benefit
kerja obligations
 Jumlah liabilitas 16,720,699 11,880,036 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro mudharabah 64,744 9,096 Mudharabah current
pihak ketiga account third parties
Giro berjangka 3,498,865 4,071,707 Mudharabah current
mudharabah pihak account related
berelasi parties
Tabungan Mudharabah saving
mudharabah deposits
Tabungan 5,784,009 2,025,349 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Tabungan 77 5 Mudharabah saving
mudharabah pihak deposits related
berelasi parties
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 19,725,005 17,082,035 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Deposito berjangka 4,008,096 1,967,224 Mudharabah time
mudharabah pihak deposits related
berelasi parties
Bank Bank
Giro mudharabah Mudharabah current
account
Deposito berjangka Mudharabah time
mudharabah deposits
Efek yang diterbitkan Bank securities issued
bank
Sukuk mudharabah 1,000,000 1,000,000 Subordinated
subordinasi mudharabah sukuk
Jumlah dana syirkah 34,080,796 26,155,416 Total temporary syirkah
temporer funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 4,858,057 4,858,057 Common stocks
Tambahan modal 517 517 Additional paid-in capital
disetor
Opsi saham 17,508 8,679 Stock options
Cadangan pengukuran 5,645 ( 2,181 ) Reserve of
kembali program remeasurements of
imbalan pasti defined benefit plans
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 78,471 63,668 General and
dan wajib legal reserves
Saldo laba yang 335,076 159,296 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 5,295,274 5,088,036 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
 Jumlah ekuitas 5,295,274 5,088,036 Total equity
Jumlah liabilitas, dana syirkah 56,096,769 43,123,488 Total liabilities, temporary
temporer dan ekuitas syirkah funds and equity
[4312000] Statement of profit or loss and other comprehensive income, OCI
components presented net of tax, by nature - Financial and Sharia Industry

Laporan laba rugi dan Statement of profit or

penghasilan loss and other
komprehensif lain comprehensive
income
30 September 2020 30 September 2019
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan pengelolaan dana 3,031,409 2,467,047 Revenue from fund
oleh bank sebagai mudharib management as mudharib
Hak pihak ketiga atas bagi ( 1,056,305 ) ( 992,838 ) Third parties share on return of
hasil dana syirkah temporer temporary syirkah funds
Pendapatan operasional Other operating income
lainnya
Pendapatan operasional 247,917 174,072 Other operating income
lainnya
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 801,533 ) ( 289,383 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Pembentukan penyisihan 50,578 ( 229,244 ) Allowances for impairment
kerugian penurunan nilai losses on non-earnings
aset non-produktif assets
Beban operasional lainnya Other operating expenses
Beban umum dan ( 390,266 ) ( 337,584 ) General and administrative
administrasi expenses
Beban operasional ( 758,664 ) ( 705,006 ) Other operating expenses
lainnya
Jumlah laba operasional 323,136 87,064 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan operasional 714,484 275,539 Non-operating income
Beban bukan operasional ( 738,290 ) ( 274,518 ) Non-operating expenses
Jumlah laba (rugi) sebelum pajak 299,330 88,085 Total profit (loss) before tax
penghasilan
Pendapatan (beban) pajak ( 108,747 ) ( 31,628 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi 190,583 56,457 Total profit (loss) from continuing
yang dilanjutkan operations
Jumlah laba (rugi) 190,583 56,457 Total profit (loss)
Pendapatan komprehensif Other comprehensive income,
lainnya, setelah pajak after tax
Pendapatan komprehensif Other comprehensive
lainnya yang tidak akan income that will not be
direklasifikasi ke laba rugi, reclassified to profit or loss,
setelah pajak after tax
Pendapatan komprehensif 7,826 ( 4,721 ) Other comprehensive
lainnya atas pengukuran income for remeasurement
kembali kewajiban manfaat of defined benefit
pasti, setelah pajak obligation, after tax
Jumlah pendapatan 7,826 ( 4,721 ) Total other comprehensive
komprehensif lainnya yang income that will not be
tidak akan direklasifikasi ke reclassified to profit or loss,
laba rugi, setelah pajak after tax
Jumlah pendapatan 7,826 ( 4,721 ) Total other comprehensive
 komprehensif lainnya, setelah
pajak
Jumlah laba rugi komprehensif
Laba (rugi) yang dapat
diatribusikan
Laba (rugi) yang dapat
diatribusikan ke entitas induk
Laba rugi komprehensif yang
dapat diatribusikan
Laba rugi komprehensif yang
dapat diatribusikan ke entitas
induk
Laba (rugi) per saham
Laba per saham dasar
diatribusikan kepada pemilik
entitas induk
Laba (rugi) per saham
dasar dari operasi yang
dilanjutkan
Laba (rugi) per saham
dilusian
Laba (rugi) per saham
dilusian dari operasi yang
dilanjutkan
income, after tax
198,409 51,736 Total comprehensive income
Profit (loss) attributable to
190,583 56,457 Profit (loss) attributable to
parent entity
Comprehensive income
attributable to
198,409 51,736 Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
19.62 5.81 Basic earnings (loss) per
share from continuing
operations
Diluted earnings (loss) per
share
19.62 5.81 Diluted earnings (loss) per
share from continuing
operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

30 September 2020

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah
Ekuitas yang dapat
Cadangan pengukuran kembali ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Opsi saham diatribusikan kepada entitas Ekuitas
program imbalan pasti penggunaannya-cadangan ditentukan penggunaannya
induk
umum dan wajib
Appropriated retained
Reserve of remeasurements of Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Stock options earnings-general and legal Equity
defined benefit plans earnings entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 4,858,057 517 8,679 ( 2,181 ) 63,668 159,296 5,088,036 5,088,036 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 4,858,057 517 8,679 ( 2,181 ) 63,668 159,296 5,088,036 5,088,036 Equity position, beginning of the
period
Laba (rugi) 190,583 190,583 190,583 Profit (loss)
Pendapatan komprehensif lainnya 7,826 7,826 7,826 Other comprehensive income
Pembentukan cadangan umum 14,803 ( 14,803 ) Allocation for general reserves
Transaksi ekuitas lainnya 8,829 8,829 8,829 Other equity transactions
Posisi ekuitas, akhir periode 4,858,057 517 17,508 5,645 78,471 335,076 5,295,274 5,295,274 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

30 September 2019

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah
Ekuitas yang dapat
Cadangan pengukuran kembali ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Opsi saham diatribusikan kepada entitas Ekuitas
program imbalan pasti penggunaannya-cadangan ditentukan penggunaannya
induk
umum dan wajib
Appropriated retained
Reserve of remeasurements of Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Stock options earnings-general and legal Equity
defined benefit plans earnings entity
reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 4,858,057 517 4,493 3,965 53,008 106,600 5,026,640 5,026,640 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 4,858,057 517 4,493 3,965 53,008 106,600 5,026,640 5,026,640 Equity position, beginning of the
period
Laba (rugi) 56,457 56,457 56,457 Profit (loss)
Pendapatan komprehensif lainnya ( 4,721 ) ( 4,721 ) ( 4,721 ) Other comprehensive income
Pembentukan cadangan umum 10,660 ( 10,660 ) Allocation for general reserves
Distribusi dividen kas ( 10,660 ) ( 10,660 ) ( 10,660 ) Distributions of cash dividends
Transaksi ekuitas lainnya 5,597 5,597 5,597 Other equity transactions
Posisi ekuitas, akhir periode 4,858,057 517 10,090 ( 756 ) 63,668 141,737 5,073,313 5,073,313 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas Statement of cash

flows
30 September 2020 30 September 2019
Arus kas dari aktivitas operasi Cash flows from operating
activities
Arus kas sebelum Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan pendapatan 2,956,725 2,504,768 Revenue receipts from fund
pengelolaan dana sebagai management as mudharib
mudharib
Pembayaran bagi hasil ( 1,044,153 ) ( 992,838 ) Payments of temporary
dana syirkah temporer syirkah funds
Penerimaan pengembalian ( 36,062 ) ( 61,519 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 1,506,058 ) ( 1,201,898 ) Payments for other
operasional lainnya operating expenses
Penerimaan pendapatan ( 24,216 ) 1,056 Receipts from
non-operasional non-operating income
Penerimaan (pengeluaran) 241,419 165,206 Other cash inflows
kas lainnya dari aktivitas (outflows) from operating
operasi activities
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) 1,000,000 450,000 Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) Decrease (increase) in
piutang dan pembiayaan sharia financing and
syariah receivables
Penurunan (kenaikan) ( 9,982,374 ) ( 1,545,230 ) Decrease (increase) in
piutang murabahah murabahah receivables
Penurunan (kenaikan) 2,031 ( 16,827 ) Decrease (increase) in
piutang istishna istishna receivables
Penurunan (kenaikan) ( 11,752 ) 0 Decrease (increase) in
piutang ijarah ijarah receivables
Penurunan (kenaikan) 52,454 ( 72,017 ) Decrease (increase) in
pinjaman qardh qardh funds
Penurunan (kenaikan) 51,278 77,810 Decrease (increase) in
pembiayaan mudharabah financing
mudharabah
Penurunan (kenaikan) ( 3,487,128 ) ( 2,156,687 ) Decrease (increase) in
pembiayaan musyarakah financing
musyarakah
Penurunan (kenaikan) 391,202 ( 189,990 ) Decrease (increase) in
aset ijarah ijarah assets
Penurunan (kenaikan) aset ( 130,953 ) ( 10,382 ) Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) 131,409 ( 19,897 ) Increase (decrease) in
liabilitas segera obligations due immediately
Kenaikan (penurunan) giro 5,398,705 ( 266,581 ) Increase (decrease) in
wadiah simpanan nasabah customers wadiah demand
deposits
Kenaikan (penurunan) 1,287,437 688,288 Increase (decrease) in
 tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) 32,819 ( 801,142 ) Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) 7,925,381 ( 1,063,399 ) Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) ( 2,142,358 ) 551,312 Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang 1,105,806 ( 3,959,967 ) Total net cash flows received
diperoleh dari (digunakan from (used in) operating
untuk) aktivitas operasi activities
Arus kas dari aktivitas investasi Cash flows from investing
activities
Pencairan (penempatan) 890,374 910,303 Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 28,464 ) ( 2,996 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Jumlah arus kas bersih yang 861,910 907,307 Total net cash flows received
diperoleh dari (digunakan from (used in) investing
untuk) aktivitas investasi activities
Arus kas dari aktivitas Cash flows from financing
pendanaan activities
Pembayaran dividen dari (0) ( 10,660 ) Dividends paid from financing
aktivitas pendanaan activities
Penerimaan (pengeluaran) kas ( 19,095 ) 0 Other cash inflows (outflows)
lainnya dari aktivitas from financing activities
pendanaan
Jumlah arus kas bersih yang ( 19,095 ) ( 10,660 ) Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) 1,948,621 ( 3,063,320 ) Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 4,166,118 5,567,706 Cash and cash equivalents cash
periode flows, beginning of the period
Kas dan setara kas arus kas, 6,114,739 2,504,386 Cash and cash equivalents cash
akhir periode flows, end of the period