Nomor Surat 042/BBSI/X/2022

Nama Emiten PT Krom Bank Indonesia Tbk

Kode Emiten BBSI
Perihal Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit

Perseroan dengan ini menyampaikan laporan keuangan untuk periode 9 Bulan yang berakhir pada 30/09/2022 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 Krom Bank Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.

PT Krom Bank Indonesia 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
30 September 2022
PT Krom Bank Indonesia Tbk
BBSI
AA995
Keuangan dan Syariah /
Financial and Sharia
8. Finance
81. Bank
Local Company - Indonesia
Jurisdiction
Saham / Stock
Kuartal III / Third Quarter
January 01, 2022
September 30, 2022
December 31, 2021
January 01, 2021
September 30, 2021
Rupiah / IDR
Satuan Penuh / Full Amount
Tidak Diaudit / Unaudit
Doli, Bambang, Sudarmadji &
Dadang
Drs. Rudy Soegiharto, Ak., CPA
Ya / Yes
Ya / Yes
General information
Entity name
Explanation of change in name from the
end of the preceding reporting period
Entity code
Entity identification number
Entity main industry
Sector
Subsector
Controlling shareholder information
Type of entity
Type of listed securities
Type of board on which the entity is
listed
Whether the financial statements are of
an individual entity or a group of entities
Period of financial statements
submissions
Current period start date
Current period end date
Prior year end date
Prior period start date
Prior period end date
Description of presentation currency
Conversion rate at reporting date if
presentation currency is other than
rupiah
Level of rounding used in financial
statements
Type of report on financial statements
Type of auditor's opinion
Matters disclosed in emphasis-of-matter
or other-matter paragraph, if any
Result of review engagement
Date of auditor's opinion or result of
review report
Current year auditor
Name of current year audit signing
partner
Number of years served as audit signing
partner
Prior year auditor
Name of prior year audit signing partner
Whether in compliance with BAPEPAM
LK VIII G 11 rules concerning
responsibilities of board of directors on
financial statements
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 2022 31 December 2021
Aset Assets
Kas 6,936,645,237 21,212,752,890 Cash
Giro pada bank indonesia 99,423,318,137 95,580,004,181 Current accounts with bank
Indonesia
Penempatan pada bank Placements with bank
indonesia dan bank lain Indonesia and other banks
Penempatan pada bank 206,251,345,064 1,451,038,267 Placements with bank
indonesia dan bank lain Indonesia and other banks
pihak ketiga third parties
Cadangan kerugian ( 206,251,346 ) ( 1,451,038 ) Allowance for impairment
penurunan nilai pada losses for placements with
penempatan pada bank lain other banks
Efek yang dibeli dengan janji 1,441,721,882,312 1,235,966,445,593 Securities purchased under
dijual kembali agreement to resale
Pinjaman yang diberikan Loans
Pinjaman yang diberikan 666,466,500,038 826,535,172,941 Loans third parties
pihak ketiga
Pinjaman yang diberikan 211,165,055,202 109,751,989,967 Loans related parties
pihak berelasi
Cadangan kerugian ( 6,203,922,281 ) ( 7,720,369,619 ) Allowance for impairment
penurunan nilai pada losses for loans
pinjaman yang diberikan
Aset takberwujud selain 2,927,253,154 2,390,087,761 Intangible assets other than
goodwill goodwill
Aset tetap 178,900,669,735 171,286,155,967 Property and equipment
Aset lainnya 30,429,934,146 19,623,658,448 Other assets
Jumlah aset 2,837,812,429,398 2,476,075,485,358 Total assets
Liabilitas, dana syirkah Liabilities, temporary syirkah
temporer dan ekuitas funds and equity
Liabilitas Liabilities
Liabilitas segera 2,939,614,224 4,660,411,655 Obligations due
immediately
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 17,669,092,428 16,880,523,342 Current accounts
third parties
Giro pihak berelasi 2,521,686,415 3,420,216,546 Current accounts
related parties
Tabungan Savings
Tabungan pihak 14,255,052,499 19,631,717,506 Savings third parties
ketiga
Tabungan pihak 1,475,839,582 1,467,814,665 Savings related
berelasi parties
Deposito berjangka Time deposits
Deposito berjangka 233,216,391,803 285,136,827,306 Time deposits third
pihak ketiga parties
Deposito berjangka 416,097,341,106 60,398,222,263 Time deposits
pihak berelasi related parties
Simpanan dari bank lain 500,000,000 Other banks deposits
Utang pajak 2,403,400,850 2,889,485,761 Taxes payable
Liabilitas pajak tangguhan 3,906,157,292 3,052,816,798 Deferred tax liabilities
 Liabilitas lainnya 1,371,735,952 1,817,825,262 Other liabilities
Kewajiban imbalan pasca 6,380,999,580 6,702,697,284 post-employment benefit
kerja obligations
Jumlah liabilitas 702,237,311,731 406,558,558,388 Total liabilities
Ekuitas Equity
Ekuitas yang Equity attributable to
diatribusikan kepada equity owners of parent
pemilik entitas induk entity
Saham biasa 330,725,097,300 302,652,940,500 Common stocks
Tambahan modal 1,351,556,622,354 1,381,913,945,506 Additional paid-in capital
disetor
Cadangan revaluasi 143,595,509,663 137,037,209,663 Revaluation reserves
Cadangan keuntungan ( 5,386,161,471 ) ( 4,990,534,435 ) Reserve of gains
(kerugian) investasi (losses) from
pada instrumen ekuitas investments in equity
instruments
Saldo laba (akumulasi Retained earnings
kerugian) (deficit)
Saldo laba yang Appropriated
telah ditentukan retained earnings
penggunaanya
Cadangan umum 66,195,019,460 60,580,588,100 General and
dan wajib legal reserves
Saldo laba yang 248,889,030,361 192,322,777,636 Unappropriated
belum ditentukan retained earnings
penggunaannya
Jumlah ekuitas yang 2,135,575,117,667 2,069,516,926,970 Total equity attributable
diatribusikan kepada to equity owners of
pemilik entitas induk parent entity
Jumlah ekuitas 2,135,575,117,667 2,069,516,926,970 Total equity
Jumlah liabilitas, dana syirkah 2,837,812,429,398 2,476,075,485,358 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 2022 30 September 2021
Pendapatan dan beban Operating income and
operasional expenses
Pendapatan bunga 116,128,086,104 90,312,977,975 Interest income
Beban bunga ( 17,553,972,220 ) ( 15,932,615,590 ) Interest expenses
Pendapatan operasional Other operating income
lainnya
Pendapatan provisi dan 2,224,820,693 3,110,435,702 Provisions and
komisi dari transaksi commissions income from
lainnya selain kredit transactions other than loan
Pendapatan operasional 104,892,384 781,740,820 Other operating income
lainnya
Beban operasional lainnya Other operating expenses
Beban umum dan ( 8,390,488,097 ) ( 5,525,046,294 ) General and administrative
administrasi expenses
Beban operasional ( 14,248,245,685 ) ( 12,221,957,824 ) Other operating expenses
lainnya
Jumlah laba operasional 78,265,093,179 60,525,534,789 Total profit from operation
Pendapatan dan beban bukan Non-operating income and
operasional expense
Pendapatan bukan 6,021,244 479,201,635 Non-operating income
operasional
Beban bukan operasional ( 279,569,382 ) ( 314,951,600 ) Non-operating expenses
Jumlah laba (rugi) sebelum pajak 77,991,545,041 60,689,784,824 Total profit (loss) before tax
penghasilan
Pendapatan (beban) pajak ( 17,158,139,910 ) ( 13,410,215,452 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi 60,833,405,131 47,279,569,372 Total profit (loss) from continuing
yang dilanjutkan operations
Jumlah laba (rugi) 60,833,405,131 47,279,569,372 Total profit (loss)
Jumlah laba rugi komprehensif 60,833,405,131 47,279,569,372 Total comprehensive income
Laba (rugi) yang dapat Profit (loss) attributable to
diatribusikan
Laba (rugi) yang dapat 60,833,405,131 47,279,569,372 Profit (loss) attributable to
diatribusikan ke entitas induk parent entity
Laba rugi komprehensif yang Comprehensive income
dapat diatribusikan attributable to
Laba rugi komprehensif yang 60,833,405,131 47,279,569,372 Comprehensive income
dapat diatribusikan ke entitas attributable to parent entity
induk
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar Basic earnings per share
diatribusikan kepada pemilik attributable to equity owners
entitas induk of the parent entity
Laba (rugi) per saham 18 16 Basic earnings (loss) per
dasar dari operasi yang share from continuing
dilanjutkan operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year

30 September 2022

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah
Cadangan keuntungan Ekuitas yang dapat
ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi (kerugian) investasi pada diatribusikan kepada entitas Ekuitas
penggunaannya-cadangan ditentukan penggunaannya
instrumen ekuitas induk
umum dan wajib
Reserve of gains (losses) from Appropriated retained
Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves investments in equity earnings-general and legal Equity
earnings entity
instruments reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 302,652,940,500 1,381,913,945,506 137,037,209,663 ( 4,990,534,435 ) 60,580,588,100 192,322,777,627 2,069,516,926,961 2,069,516,926,961 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penyesuaian lainnya 6,558,300,000 ( 395,627,036 ) ( 4,267,152,397 ) 1,895,520,567 1,895,520,567 Other adjustments
Posisi ekuitas, awal periode 302,652,940,500 1,381,913,945,506 143,595,509,663 ( 5,386,161,471 ) 60,580,588,100 188,055,625,230 2,071,412,447,528 2,071,412,447,528 Equity position, beginning of the period
Laba (rugi) 60,833,405,131 60,833,405,131 60,833,405,131 Profit (loss)
Pembentukan cadangan umum 5,614,431,360 5,614,431,360 5,614,431,360 Allocation for general reserves
Setoran modal dari kepentingan 28,072,156,800 28,072,156,800 28,072,156,800 Stock subscription from non-controlling
non-pengendali interests
Transaksi ekuitas lainnya ( 30,357,323,152 ) ( 30,357,323,152 ) ( 30,357,323,152 ) Other equity transactions
Posisi ekuitas, akhir periode 330,725,097,300 1,351,556,622,354 143,595,509,663 ( 5,386,161,471 ) 66,195,019,460 248,889,030,361 2,135,575,117,667 2,135,575,117,667 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year

30 September 2021

Laporan perubahan ekuitas Statement of changes in

equity
Saldo laba yang telah
Cadangan keuntungan Ekuitas yang dapat
ditentukan Saldo laba yang belum
Saham biasa Tambahan modal disetor Cadangan revaluasi (kerugian) investasi pada diatribusikan kepada entitas Ekuitas
penggunaannya-cadangan ditentukan penggunaannya
instrumen ekuitas induk
umum dan wajib
Reserve of gains (losses) from Appropriated retained
Unappropriated retained Equity attributable to parent
Common stocks Additional paid-in capital Revaluation reserves investments in equity earnings-general and legal Equity
earnings entity
instruments reserves
Posisi ekuitas Equity position
Saldo awal periode sebelum penyajian 302,652,940,500 396,581,239,526 137,037,209,663 ( 5,207,776,505 ) 60,580,588,100 117,338,389,869 1,008,982,591,153 1,008,982,591,153 Balance before restatement at
kembali beginning of period
Penyesuaian Adjustments
Penyesuaian lainnya 217,242,070 10,207,800,000 10,425,042,070 10,425,042,070 Other adjustments
Posisi ekuitas, awal periode 302,652,940,500 396,581,239,526 137,037,209,663 ( 4,990,534,435 ) 60,580,588,100 127,546,189,869 1,019,407,633,223 1,019,407,633,223 Equity position, beginning of the period
Laba (rugi) 47,279,569,372 47,279,569,372 47,279,569,372 Profit (loss)
Setoran modal dari kepentingan 985,332,705,980 985,332,705,980 985,332,705,980 Stock subscription from non-controlling
non-pengendali interests
Dampak penerapan PSAK No. 70 atas ( 886,666,668 ) ( 886,666,668 ) ( 886,666,668 ) Impact of PSAK No. 70 adoption on tax
aset pengampunan pajak amnesty assets
Posisi ekuitas, akhir periode 302,652,940,500 1,381,913,945,506 137,037,209,663 ( 4,990,534,435 ) 60,580,588,100 173,939,092,573 2,051,133,241,907 2,051,133,241,907 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas
Arus kas dari aktivitas operasi
Arus kas sebelum
perubahan dalam aset dan
liabilitas operasi
Penerimaan bunga, hasil
investasi, provisi, dan
komisi
Pembayaran bunga dan
bonus, provisi dan komisi
Pendapatan dari transaksi
operasional lainnya
Penerimaan kembali aset
yang telah dihapusbukukan
Pembayaran atas beban
keuangan dan beban
administrasi bank
Pembayaran beban
operasional lainnya
Penerimaan pendapatan
non-operasional
Penurunan (kenaikan) aset
operasi
Penurunan (kenaikan) efek
yang dibeli dengan janji
dijual kembali
Penurunan (kenaikan)
pinjaman yang diberikan
Penurunan (kenaikan) aset
lainnya
Kenaikan (penurunan)
liabilitas operasi
Kenaikan (penurunan)
liabilitas segera
Kenaikan (penurunan) giro
dan tabungan simpanan
nasabah
Kenaikan (penurunan)
simpanan dari bank lain
Kenaikan (penurunan)
liabilitas lainnya
Jumlah arus kas bersih yang
diperoleh dari (digunakan
untuk) aktivitas operasi
Arus kas dari aktivitas investasi
Penerimaan dari penjualan
(perolehan) aset tetap
Penerimaan (pengeluaran) kas
lainnya dari aktivitas investasi
Statement of cash
flows
30 September 2022 30 September 2021
Cash flows from operating
activities
Cash flows before changes
in operating assets and
liabilities
116,128,086,104 90,312,977,975 Interest, investment
income, fees and
commissions received
( 17,553,972,220 ) ( 15,932,615,590 ) Payments Of Interest And
Bonus Fees And
Commissions
4,216,560,491 3,892,176,522 Income from other
operating transactions
( 13,293,612,452 ) ( 10,716,848,167 ) Recoveries of written off
assets
( 11,231,968,744 ) ( 7,030,155,951 ) Payments of finance costs
and bank administration
charges
( 17,437,709,292 ) ( 13,725,167,052 ) Payments for other
operating expenses
6,021,244 479,201,635 Receipts from
non-operating income
Decrease (increase) in
operating assets
( 205,755,436,719 ) 74,128,955,600 Decrease (increase) in
securities purchased under
resale agreements
58,655,607,667 ( 17,122,602,635 ) Decrease (increase) in
loans
( 3,489,650,647 ) 3,939,973,555 Decrease (increase) in
other assets
Increase (decrease) in
operating liabilities
1,715,023,053 390,950,261 Increase (decrease) in
obligations due
immediately
298,300,082,206 89,659,192,477 Increase (decrease) in
current accounts and
customers savings
( 500,000,000 ) ( 1,422,031,391 ) Increase (decrease) in
other banks saving
deposits
( 4,640,198,482 ) 1,945,000,846 Increase (decrease) in
other liabilities
205,118,832,209 198,799,008,085 Total net cash flows received
from (used in) operating
activities
Cash flows from investing
activities
( 7,928,987,363 ) ( 939,030,135 ) Proceeds from disposal
(acquisition) of property and
equipment
( 537,165,394 ) ( 1,584,925,004 ) Other cash inflows (outflows)
from investing activities
 Jumlah arus kas bersih yang ( 8,466,152,757 ) ( 2,523,955,139 ) 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
Penjualan (pembelian) dari ( 2,285,166,352 ) Sales (purchase) of treasury
saham tresuri stocks
Jumlah arus kas bersih yang ( 2,285,166,352 ) Total net cash flows received
diperoleh dari (digunakan from (used in) financing
untuk) aktivitas pendanaan activities
Jumlah kenaikan (penurunan) 194,367,513,100 196,275,052,946 Total net increase (decrease) in
bersih kas dan setara kas cash and cash equivalents
Kas dan setara kas arus kas, awal 118,243,795,338 162,053,065,973 Cash and cash equivalents cash
periode flows, beginning of the period
Kas dan setara kas arus kas, 312,611,308,438 358,328,118,919 Cash and cash equivalents cash
akhir periode flows, end of the period