Nomor Surat 199/CSD/CMA/IV/2021

Nama Emiten PT Bank Tabungan Negara (Persero) Tbk

Kode Emiten BBTN
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit

Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2021 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 Tabungan Negara (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara

elektronik. PT Bank Tabungan Negara (Persero) 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 Indonesian Government
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
General information
31 March 2021
PT Bank Tabungan Negara Entity name
(Persero) Tbk
Explanation of change in name from the
end of the preceding reporting period
BBTN Entity code
AA541 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 I / First Quarter Period of financial statements
submissions
January 01, 2021 Current period start date
March 31, 2021 Current period end date
December 31, 2020 Prior year end date
January 01, 2020 Prior period start date
March 31, 2020 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
Kepatuhan terhadap pemenuhan 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
31 March 2021 31 December 2020
Aset Assets
Kas 1,203,015 1,429,426 Cash
Giro pada bank indonesia 10,134,872 11,107,672 Current accounts with bank
Indonesia
Giro pada bank lain Current accounts with other
banks
Giro pada bank lain pihak 6,070,881 2,995,233 Current accounts with other
ketiga banks third parties
Giro pada bank lain pihak 1,007,501 221,896 Current accounts with other
berelasi banks related parties
Cadangan kerugian ( 1,805 ) ( 1,808 ) Allowance for impairment
penurunan nilai pada giro losses for current accounts
pada bank lain with other bank
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 14,860,144 19,830,096 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Penempatan pada bank 337 337 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak berelasi related parties
Efek-efek yang Marketable securities
diperdagangkan
Efek-efek yang 1,139,014 1,123,406 Marketable securities third
diperdagangkan pihak parties
ketiga
Efek-efek yang 1,486,939 2,082,560 Marketable securities
diperdagangkan pihak related parties
berelasi
Cadangan kerugian ( 2,000 ) ( 2,000 ) Allowance for impairment
penurunan nilai pada losses for marketable
efek-efek yang securities
diperdagangkan
Efek yang dibeli dengan janji 15,221,420 954,955 Securities purchased under
dijual kembali agreement to resale
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak 192,804 196,071 Acceptance receivables
berelasi related parties
Cadangan kerugian ( 1,446 ) ( 1,393 ) Allowance for impairment
penurunan nilai pada losses for acceptance
tagihan akseptasi receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak 96,747 70,386 Derivative receivables third
ketiga parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 218,893,368 217,711,277 Loans third parties
pihak ketiga
Pinjaman yang diberikan 16,974,865 17,340,839 Loans related parties
pihak berelasi
Cadangan kerugian ( 11,902,586 ) ( 12,151,936 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
 Piutang murabahah Murabahah receivables
Piutang murabahah pihak 18,216,422 17,644,308 Murabahah receivables
ketiga third parties
Piutang murabahah pihak 1,342 1,424 Murabahah receivables
berelasi related parties
Cadangan kerugian ( 81,598 ) ( 78,747 ) Allowance for impairment
penurunan nilai pada losses for murabahah
piutang murabahah receivables
Piutang istishna Istishna receivables
Piutang istishna pihak 2,325,516 2,291,259 Istishna receivables third
ketiga parties
Piutang istishna pihak 1,424 1,452 Istishna receivables related
berelasi parties
Cadangan kerugian ( 28,304 ) ( 25,826 ) Allowance for impairment
penurunan nilai pada losses for istishna
piutang istishna receivables
Pinjaman qardh Qardh funds
Pinjaman qardh pihak 13,923 14,925 Qardh funds third parties
ketiga
Pinjaman qardh pihak 157 164 Qardh funds related parties
berelasi
Cadangan kerugian ( 5,174 ) ( 4,418 ) Allowance for impairment
penurunan nilai pada losses for qardh funds
pinjaman qardh
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah 160,694 233,654 Mudharabah financing third
pihak ketiga parties
Cadangan kerugian ( 77,254 ) ( 81,571 ) Allowance for impairment
penurunan nilai pada losses for mudharabah
pembiayaan mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah 4,751,652 4,874,861 Musyarakah financing third
pihak ketiga parties
Pembiayaan musyarakah 432 Musyarakah financing
pihak berelasi related parties
Cadangan kerugian ( 783,994 ) ( 718,445 ) Allowance for impairment
penurunan nilai pada losses for musyarakah
pembiayaan musyarakah financing
Obligasi pemerintah 57,050,483 56,287,751 Government bonds
Biaya dibayar dimuka 560,740 386,848 Prepaid expenses
Pajak dibayar dimuka 402,428 402,428 Prepaid taxes
Aset pajak tangguhan 2,442,761 1,972,393 Deferred tax assets
Aset tetap 5,751,944 5,818,445 Property and equipment
Agunan yang diambil alih 77,591 77,591 Foreclosed assets
Aset lainnya 9,574,576 9,202,893 Other assets
Jumlah aset 375,729,831 361,208,406 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 4,454,001 4,721,001 Obligations due
immediately
Bagi hasil yang belum 46,143 44,275 Undistributed profit sharing
dibagikan
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 11,135,189 16,546,465 Current accounts
third parties
Giro pihak berelasi 56,575,602 52,054,300 Current accounts
related parties
Giro wadiah Wadiah demand
 deposits
Giro wadiah pihak 1,175,336 946,930 Wadiah demand
ketiga deposits third parties
Giro wadiah pihak 2,138,165 2,138,165 Wadiah demand
berelasi deposits related
parties
Tabungan Savings
Tabungan pihak 36,707,145 38,279,792 Savings third parties
ketiga
Tabungan pihak 287,767 420,345 Savings related
berelasi parties
Tabungan wadiah Wadiah savings
Tabungan wadiah 1,024,792 903,998 Wadiah savings third
pihak ketiga parties
Tabungan wadiah 1,020 1,211 Wadiah savings
pihak berelasi related parties
Deposito berjangka Time deposits
Deposito berjangka 61,496,882 60,918,288 Time deposits third
pihak ketiga parties
Deposito berjangka 102,896,754 86,940,320 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 31,548 29,880 Other banks deposits
Efek yang dijual dengan 1,716,191 Securities sold with
janji untuk dibeli kembali repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak 6,816 22,787 Derivative payables
ketiga third parties
Liabilitas akseptasi 192,804 196,071 Acceptance payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima 6,798,485 6,798,082 Borrowings third parties
pihak ketiga
Pinjaman yang diterima 15,473,275 17,009,056 Borrowings related
pihak berelasi parties
Efek yang diterbitkan Securities issued
Obligasi 15,812,259 15,810,466 Bonds
Pendapatan ditangguhkan 176,124 196,318 Deferred income
Estimasi kerugian 6,228 6,489 Estimated losses on
komitmen dan kontinjensi commitments and
contingencies
Beban akrual 1,196,429 955,195 Accrued expenses
Liabilitas lainnya 4,876,119 5,370,813 Other liabilities
Kewajiban imbalan pasca 636,124 871,463 post-employment benefit
kerja obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi 4,337,541 4,194,554 Subordinated loans third
pihak ketiga parties
Pinjaman subordinasi 5,999,930 5,999,878 Subordinated loans
pihak berelasi related parties
Jumlah liabilitas 335,198,669 321,376,142 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current
account
Giro mudharabah 353,291 341,683 Mudharabah current
pihak ketiga account third parties
Giro berjangka 92,010 17,003 Mudharabah current
mudharabah pihak account related
berelasi parties
Tabungan Mudharabah saving
 mudharabah deposits
Tabungan 2,737,408 2,683,283 Mudharabah saving
mudharabah pihak deposits third parties
ketiga
Tabungan 433,261 430,860 Mudharabah saving
mudharabah pihak deposits related
berelasi parties
Deposito berjangka Mudharabah time
mudharabah deposits
Deposito berjangka 11,671,164 11,022,780 Mudharabah time
mudharabah pihak deposits third parties
ketiga
Deposito berjangka 6,124,651 5,345,495 Mudharabah time
mudharabah pihak deposits related
berelasi parties
Bank Bank
Giro mudharabah 66 176 Mudharabah current
account
Tabungan mudharabah 1,360 2,139 Mudharabah saving
(ummat) deposits (ummat)
Deposito berjangka 1,000 1,000 Mudharabah time
mudharabah deposits
Jumlah dana syirkah 21,414,211 19,844,419 Total temporary syirkah
temporer funds
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 5,295,000 5,295,000 Common stocks
Tambahan modal 2,054,454 2,054,454 Additional paid-in capital
disetor
Cadangan revaluasi 3,307,991 3,307,991 Revaluation reserves
Cadangan perubahan ( 641,615 ) 1,100,019 Reserve for changes in
nilai wajar aset fair value of
keuangan tersedia available-for-sale
untuk dijual financial assets
Cadangan lindung nilai 25,309 ( 1,239 ) Reserve of cash flow
arus kas hedges
Cadangan pengukuran ( 312,571 ) ( 531,674 ) 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 7,766,078 6,163,722 General and
dan wajib legal reserves
Cadangan 840,476 840,476 Specific reserves
khusus
Saldo laba yang 781,829 1,759,096 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 19,116,951 19,987,845 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Jumlah ekuitas 19,116,951 19,987,845 Total equity
Jumlah liabilitas, dana syirkah 375,729,831 361,208,406 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
31 March 2021 31 March 2020
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 5,789,758 5,589,373 Interest income
Beban bunga ( 3,363,712 ) ( 3,721,614 ) Interest expenses
Pendapatan pengelolaan dana 552,534 585,853 Revenue from fund
oleh bank sebagai mudharib management as mudharib
Hak pihak ketiga atas bagi ( 260,482 ) ( 312,772 ) Third parties share on return of
hasil dana syirkah temporer temporary syirkah funds
Pendapatan sekuritas Securities income
Keuntungan (kerugian) dari 146,275 99,474 Realised gains (losses) on
transaksi perdagangan efek trading of marketable
yang telah direalisasi securities
Keuntungan (kerugian) 871 23,218 Gains (losses) on changes
perubahan nilai wajar efek in fair value of marketable
securities
Pendapatan operasional Other operating income
lainnya
Penerimaan kembali aset 56,603 53,896 Revenue from recovery of
yang telah dihapusbukukan written-off assets
Pendapatan operasional 276,069 277,470 Other operating income
lainnya
Pemulihan penyisihan Recovery of impairment loss
kerugian penurunan nilai
Pemulihan penyisihan 6,626 Recovery of impairment
kerugian penurunan nilai loss of financial assets
aset keuangan
Pembentukan kerugian Allowances for impairment
penurunan nilai losses
Pembentukan penyisihan ( 320,407 ) ( 436,367 ) Allowances for impairment
kerugian penurunan nilai losses on earnings assets
aset produktif
Pembalikan (beban) estimasi 243 ( 1,312 ) Reversal (expense) of
kerugian komitmen dan estimated losses on
kontijensi commitments and
contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan ( 1,399,882 ) ( 1,154,537 ) General and administrative
administrasi expenses
Beban sewa, ( 365,643 ) ( 366,897 ) Rent, maintenance and
pemeliharaan, dan improvement expenses
perbaikan
Beban operasional ( 270,312 ) ( 211,329 ) Other operating expenses
lainnya
Jumlah laba operasional 841,915 431,082 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan operasional 20,760 154,939 Non-operating income
Jumlah laba (rugi) sebelum pajak 862,675 586,021 Total profit (loss) before tax
penghasilan
Pendapatan (beban) pajak
Jumlah laba (rugi) dari operasi
yang dilanjutkan
Jumlah laba (rugi)
Pendapatan komprehensif
lainnya, setelah pajak
Pendapatan komprehensif
lainnya yang tidak akan
direklasifikasi ke laba rugi,
setelah pajak
Pendapatan komprehensif
lainnya atas pengukuran
kembali kewajiban manfaat
pasti, setelah pajak
Jumlah pendapatan
komprehensif lainnya yang
tidak akan direklasifikasi ke
laba rugi, setelah pajak
Pendapatan komprehensif
lainnya yang akan
direklasifikasi ke laba rugi,
setelah pajak
Keuntungan (kerugian)
yang belum direalisasi atas
perubahan nilai wajar aset
keuangan yang tersedia
untuk dijual, setelah pajak
Keuntungan (kerugian)
lindung nilai arus kas,
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 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
( 237,586 ) ( 128,924 ) Tax benefit (expenses)
625,089 457,097 Total profit (loss) from continuing
operations
625,089 457,097 Total profit (loss)
Other comprehensive income,
after tax
Other comprehensive
income that will not be
reclassified to profit or loss,
after tax
219,103 1,176 Other comprehensive
income for remeasurement
of defined benefit
obligation, after tax
219,103 1,176 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
( 1,741,634 ) ( 176,471 ) Unrealised gains (losses)
on changes in fair value of
available-for-sale financial
assets, after tax
26,548 105,749 Gains (losses) on cash flow
hedges, after tax
( 1,715,086 ) ( 70,722 ) Total other comprehensive
income that may be
reclassified to profit or loss,
after tax
( 1,495,983 ) ( 69,546 ) Total other comprehensive
income, after tax
( 870,894 ) 387,551 Total comprehensive income
Profit (loss) attributable to
625,089 457,097 Profit (loss) attributable to
parent entity
Comprehensive income
attributable to
( 870,894 ) 387,551 Comprehensive income
attributable to parent entity
Earnings (loss) per share
Basic earnings per share
attributable to equity owners
of the parent entity
59 43 Basic earnings (loss) per
share from continuing
operations
Diluted earnings (loss) per
share
59 43 Diluted earnings (loss) per
share from continuing
operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

31 March 2021

Laporan perubahan Statement of changes in

ekuitas equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan lindung nilai arus Cadangan pengukuran kembali ditentukan ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi wajar aset keuangan tersedia diatribusikan kepada entitas Ekuitas
kas program imbalan pasti penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib khusus
Reserve for changes in fair Appropriated retained
Reserve of remeasurements of Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves value of available-for-sale Reserve of cash flow hedges earnings-general and legal Equity
defined benefit plans earnings-specific reserves earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum 5,295,000 2,054,454 3,307,991 1,100,019 ( 1,239 ) ( 531,674 ) 6,163,722 840,476 1,759,096 19,987,845 19,987,845 Balance before restatement at
penyajian kembali beginning of period
Posisi ekuitas, awal periode 5,295,000 2,054,454 3,307,991 1,100,019 ( 1,239 ) ( 531,674 ) 6,163,722 840,476 1,759,096 19,987,845 19,987,845 Equity position, beginning of the
period
Laba (rugi) 625,089 625,089 625,089 Profit (loss)
Pendapatan komprehensif lainnya ( 1,741,634 ) 26,548 219,103 ( 1,495,983 ) ( 1,495,983 ) Other comprehensive income
Pembentukan cadangan umum 1,602,356 ( 1,602,356 ) Allocation for general reserves
Posisi ekuitas, akhir periode 5,295,000 2,054,454 3,307,991 ( 641,615 ) 25,309 ( 312,571 ) 7,766,078 840,476 781,829 19,116,951 19,116,951 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

31 March 2020

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah Saldo laba yang telah
Cadangan perubahan nilai Ekuitas yang dapat
Cadangan lindung nilai arus Cadangan pengukuran kembali ditentukan ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi wajar aset keuangan tersedia diatribusikan kepada entitas Ekuitas
kas program imbalan pasti penggunaannya-cadangan penggunaannya-cadangan ditentukan penggunaannya
untuk dijual induk
umum dan wajib khusus
Reserve for changes in fair Appropriated retained
Reserve of remeasurements of Appropriated retained Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves value of available-for-sale Reserve of cash flow hedges earnings-general and legal Equity
defined benefit plans earnings-specific reserves earnings entity
financial assets reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 5,295,000 2,054,454 3,307,991 11,460 ( 194,707 ) 12,155,519 840,476 366,002 23,836,195 23,836,195 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penerapan awal standar akuntansi ( 7,713,562 ) ( 7,713,562 ) ( 7,713,562 ) Initial adoption of new and revised
baru dan revisi accounting standards
Posisi ekuitas, awal periode 5,295,000 2,054,454 3,307,991 11,460 ( 194,707 ) 4,441,957 840,476 366,002 16,122,633 16,122,633 Equity position, beginning of the period
Laba (rugi) 457,097 457,097 457,097 Profit (loss)
Pendapatan komprehensif lainnya ( 176,471 ) 105,749 1,176 ( 69,546 ) ( 69,546 ) Other comprehensive income
Distribusi dividen kas ( 20,926 ) ( 20,926 ) ( 20,926 ) Distributions of cash dividends
Posisi ekuitas, akhir periode 5,295,000 2,054,454 3,307,991 ( 165,011 ) 105,749 ( 193,531 ) 4,441,957 840,476 802,173 16,489,258 16,489,258 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 Cash flows before changes
perubahan dalam aset dan in operating assets and
liabilitas operasi liabilities
Penerimaan bunga, hasil 4,764,688 5,386,939 Interest, investment
investasi, provisi, dan income, fees and
komisi commissions received
Pembayaran bunga dan ( 3,376,921 ) ( 3,633,139 ) Payments Of Interest And
bonus, provisi dan komisi Bonus Fees And
Commissions
Penerimaan pendapatan 552,534 585,853 Revenue receipts from fund
pengelolaan dana sebagai management as mudharib
mudharib
Pembayaran bagi hasil ( 260,482 ) ( 312,772 ) Payments of temporary
dana syirkah temporer syirkah funds
Penerimaan dari ( 159,130 ) ( 124,147 ) Receipts from (payments
(pembayaran kepada) to) clearing and guarantee
lembaga kliring dan institution
penjaminan
Pendapatan dari transaksi 647,207 Income from other
operasional lainnya operating transactions
Penerimaan kembali aset 68,136 68,102 Recoveries of written off
yang telah dihapusbukukan assets
Pembayaran gaji dan ( 945,264 ) ( 909,082 ) Payments for salaries and
tunjangan allowances
Penerimaan pengembalian ( 161,292 ) ( 72,009 ) Refunds (payments) of
(pembayaran) pajak income tax
penghasilan
Pembayaran beban ( 166,812 ) Payments for other
operasional lainnya operating expenses
Penerimaan pendapatan 20,761 154,939 Receipts from
non-operasional non-operating income
Penurunan (kenaikan) aset Decrease (increase) in
operasi operating assets
Penurunan (kenaikan) 351,780 352,084 Decrease (increase) in
penempatan pada bank lain placements with other
dan bank indonesia banks and bank indonesia
Penurunan (kenaikan) efek 776,896 ( 6,075,054 ) Decrease (increase) in
yang diperdagangkan marketable securities
Penurunan (kenaikan) ( 14,308 ) Decrease (increase) in
tagihan akseptasi acceptance receivables
Penurunan (kenaikan) ( 1,262,196 ) 1,849,592 Decrease (increase) in
pinjaman yang diberikan loans
Penurunan (kenaikan) Decrease (increase) in
piutang dan pembiayaan sharia financing and
syariah receivables
Penurunan (kenaikan) ( 573,153 ) ( 508,899 ) Decrease (increase) in
piutang murabahah murabahah receivables
Penurunan (kenaikan) ( 34,229 ) ( 69,399 ) Decrease (increase) in
piutang istishna istishna receivables
Penurunan (kenaikan) 1,009 1,756 Decrease (increase) in
pinjaman qardh qardh funds
Penurunan (kenaikan) 42,115 10,383 Decrease (increase) in
 pembiayaan mudharabah financing
mudharabah
Penurunan (kenaikan) 87,212 238,684 Decrease (increase) in
pembiayaan musyarakah financing
musyarakah
Penurunan (kenaikan) aset 220,597 ( 2,260,043 ) Decrease (increase) in
lainnya other assets
Kenaikan (penurunan) Increase (decrease) in
liabilitas operasi operating liabilities
Kenaikan (penurunan) ( 442,594 ) 1,612,559 Increase (decrease) in
liabilitas segera obligations due immediately
Kenaikan (penurunan) giro ( 2,595,199 ) ( 3,183,657 ) Increase (decrease) in
dan tabungan simpanan current accounts and
nasabah customers savings
Kenaikan (penurunan) 16,535,028 386,192 Increase (decrease) in
deposito berjangka customers time deposits
nasabah
Kenaikan (penurunan) giro 228,405 118,842 Increase (decrease) in
wadiah simpanan nasabah customers wadiah demand
deposits
Kenaikan (penurunan) 120,603 3,836 Increase (decrease) in
tabungan wadiah simpanan customers wadiah saving
nasabah deposits
Kenaikan (penurunan) 1,667 123,863 Increase (decrease) in
simpanan dari bank lain other banks saving
deposits
Kenaikan (penurunan) giro 86,505 ( 1,069,526 ) Increase (decrease) in
mudharabah mudharabah current
account
Kenaikan (penurunan) 55,747 ( 755,936 ) Increase (decrease) in
tabungan mudharabah mudharabah savings
deposits
Kenaikan (penurunan) 14,308 Increase (decrease) in
liabilitas akseptasi acceptance payables
Kenaikan (penurunan) 1,427,539 771,216 Increase (decrease) in
dana syirkah temporer temporary syirkah funds
Kenaikan (penurunan) ( 531,119 ) ( 102,012 ) Increase (decrease) in
liabilitas lainnya other liabilities
Jumlah arus kas bersih yang 14,832,831 ( 6,763,628 ) 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) ( 5,016,362 ) 1,123,721 Withdrawal (placement) of
obligasi dan (atau) sukuk bonds and (or) sukuk
Penerimaan dari penjualan ( 39,532 ) ( 38,334 ) Proceeds from disposal
(perolehan) aset tetap (acquisition) of property and
equipment
Pencairan (penempatan) ( 14,822,755 ) 1,869,324 Withdrawal (placement) of
efek-efek yang marketable securities
diperdagangkan
Jumlah arus kas bersih yang ( 19,878,649 ) 2,954,711 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
Penerimaan pinjaman yang 1,104,009 Proceeds from borrowings
diterima
Pembayaran pinjaman yang ( 1,500,000 ) ( 1,000,000 ) Payments for borrowings
diterima
Penerimaan pinjaman 4,047,884 Proceeds from subordinated
subordinasi loans
 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) ( 4,829,627 )
bersih kas dan setara kas
Kas dan setara kas arus kas, awal
periode
Kas dan setara kas arus kas,
akhir periode
( 20,926 ) Dividends paid from financing
activities
1,716,191 Other cash inflows (outflows)
from financing activities
216,191 4,130,967 Total net cash flows received
from (used in) financing
activities
322,050 Total net increase (decrease) in
cash and cash equivalents
38,106,377 31,249,908 Cash and cash equivalents cash
flows, beginning of the period
33,276,750 31,571,958 Cash and cash equivalents cash
flows, end of the period