FinancialStatement 2023 Tahunan BBCA

Nomor Surat 003/ACT/2024
Nama Emiten PT Bank Central Asia Tbk.

Kode Emiten BBCA
Perihal Penyampaian Laporan Keuangan Tahunan
Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2023 dengan ikhtisar sebagai berikut :
A. Informasi mengenai anak perusahaan Perseroan sebagai berikut :
No Nama Kegiatan Lokasi Tahun Status Jumlah Aset Satuan Mata Persentase
Usaha Komersil Operasi Uang (%)
1 PT BCA Multi Pembiayaan Jakarta 2010 Beroperasi 1.826.864 JUTAAN IDR 100.0
Finance investasi,
modal
kerja,
pembiayaan
multiguna,
sewa
operasi, keg
pembiayaan
lain
brdsrkn
persetujuan
instansi
yg berwenang
2 PT Central Modal ventura Jakarta 2017 Beroperasi 435.178 JUTAAN IDR 100.0
Capital
Ventura
3 PT Asuransi Asuransi Jiwa Jakarta 2014 Beroperasi 2.878.724 JUTAAN IDR 90.0
Jiwa BCA
4 PT Bank Perbankan Jakarta 1965 Beroperasi 13.506.728 JUTAAN IDR 100.0
Digital BCA
5 BCA Finance Money lending Hong Kong 1975 Beroperasi 938.992 JUTAAN IDR 100.0
Limited dan
remittance
6 PT BCA Pembiayaan Jakarta 1981 Beroperasi 8.939.789 JUTAAN IDR 100.0
Finance investasi,
modal
kerja,
pembiayaan
multiguna,
sewa
operasi, keg
pembiayaan
lain
brdsrkn
persetujuan
instansi
yg berwenang
7 PT Bank BCA perbankan Jakarta 1991 Beroperasi 14.471.734 JUTAAN IDR 100.0
Syariah syariah
8 PT BCA Perantara Jakarta 1990 Beroperasi 1.907.290 JUTAAN IDR 90.0
Sekuritas perdagangan
efek dan
penjamin
emisi efek
9 PT Asuransi Asuransi Jakarta 1988 Beroperasi 3.005.651 JUTAAN IDR 100.0
Umum BCA umum atau
kerugian
B. Laporan Rasio Keuangan
Rasio Kinerja
No Rasio 31 Desember 2023 31 Desember 2022

1 Kewajiban Penyediaan Modal Minimum (KPMM) 29 26
2 Aset Produktif Bermasalah dan Aset Produktif non Bermasalah Terhadap Total Aset Produktif dan 1 1
Aset non Produktif
3 Aset Produktif Bermasalah Terhadap Total Aset Produktif 1 1
4 Cadangan Kerugian Penurunan Nilai (CKPN) Aset Keuangan Terhadap Aset Produktif 3 3
5 NPUNF Gross 2 2
6 NPUNF Net 1 1
7 Return on Asset 4 4
8 Return on Equity 23 22
9 Net Imbalan (NI) 0 0
10 Net Interest Margin (NIM) 6 5
11 Net Operating Margin (NOM) 56 55
12 Net Profit Margin (NPM) 46 45
13 Beban Operasional Terhadap Pendapatan Operasional (BOPO) 44 47
14 Loan to Deposit Ratio (LDR) 70 65
15 Net Stable Funding Ratio (NSFR) - Secara Individual 167 169
16 Net Stable Funding Ratio (NSFR) - Secara Konsolidasi 169 171
Kepatuhan (Compliance)

1 Persentase Pelanggaran BMPK - Pihak Terkait 0 0
2 Persentase Pelanggaran BMPK - Pihak Tidak Terkait 0 0
3 Persentase Pelampauan BMPK - Pihak Terkait 0 0
4 Persentase Pelampauan BMPK - Pihak Tidak Terkait 0 0
5 Giro Wajib Minimum (GWM) - GWM Utama Rupiah 6 7
6 Giro Wajib Minimum (GWM) - GWM Valuta Asing 2 2
7 Posisi Devisa Neto (PDN) Secara Keseluruhan 0 0
Depresiasi dan Amortisasi
No Rasio Mata Uang Satuan 31 Desember 31 Desember

2023 2022
1 Depresiasi dari Harga Pokok Penjualan Rupiah / IDR Jutaan / In 0 0
Million
2 Depresiasi dari Beban Umum dan Administrasi Rupiah / IDR Jutaan / In 0 0
Million
3 Amortisasi Rupiah / IDR Jutaan / In 0 0
Million
Dokumen ini merupakan dokumen resmi PT Bank Central Asia Tbk. yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT
Bank Central Asia Tbk. bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information
Informasi umum General information

2023-12-31
Informasi umum General information
Nama entitas PT Bank Central Asia Tbk. Entity name
Penjelasan perubahan nama dari akhir periode laporan sebelumnya Explanation of change in name from the end of the preceding reporting period
Kode entitas BBCA Entity code
Nomor identifikasi entitas AA331 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Sharia Entity main industry
Standar akutansi yang dipilih PSAK Selected accounting standards
Sektor G. Financials Sector
Subsektor G1. Banks Subsector
Industri G11. Banks Industry
Subindustri G111. Banks Subindustry
Informasi pemegang saham pengendali National Corporation Controlling shareholder information
Jenis entitas Local Company - Indonesia Jurisdiction Type of entity
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Bond Type of listed securities
Jenis papan perdagangan tempat entitas tercatat Utama / Main Type of board on which the entity is listed
Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas Entitas grup / Group entity Whether the financial statements are of an individual entity or a group of entities
Periode penyampaian laporan keuangan Tahunan / Annual Period of financial statements submissions
Tanggal Surat Pernyataan Direksi January 24, 2024 Date Of Board Of Directors' Statement Letter
Tanggal awal periode berjalan January 01, 2023 Current period start date
Tanggal akhir periode berjalan December 31, 2023 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2022 Prior year end date
Tanggal awal periode sebelumnya January 01, 2022 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2022 Prior period end date
Tanggal akhir 2 tahun sebelumnya December 31, 2021 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah 15,397.00000 Conversion rate at reporting date if presentation currency is other than rupiah
Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan Jutaan / In Million Level of rounding used in financial statements
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Modifikasian / Unqualified Type of auditor's opinion
Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu masalah atau paragraf penjelasan lainnya, jika ada Matters disclosed in emphasis-of-matter or other-matter paragraph, if any
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Ya / Yes Any Key Audit Matters Opinion
Jumlah Hal Audit Utama 5 Total Key Audit Matters
Paragraf Hal Audit Utama 1. Kerugian Kredit Ekspektasian("KKE") - perhitungan cadangan kerugian penurunan nilai atas kredit yang diberikan2. Pengoperasian dan pengendalian atas sistem Teknologi Informasi ("TI") pelaporan keuangan Key Audit Matters Paragraph
Tanggal laporan audit atau hasil laporan review 2024-01-24 Date of auditor's opinion or result of review report
Auditor tahun berjalan Tanudiredja, Wibisana, Rintis & Rekan Current year auditor
Nama partner audit tahun berjalan Lucy Luciana Suhenda, S.E., Ak., CPA Name of current year audit signing partner
Lama tahun penugasan partner yang menandatangani 1 Number of years served as audit signing partner
Auditor tahun sebelumnya Tanudiredja, Wibisana, Rintis, & Rekan Prior year auditor
Nama partner audit tahun sebelumnya Jimmy Pangestu, S.E. Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan peraturan OJK Nomor: 75/POJK.04/2017 tentang Tanggung Jawab Direksi Atas Laporan Keuangan Ya / Yes Whether in compliance with OJK rules No. 75/POJK.04/2017 concerning responsibilities of board of directors on financial statements
Kepatuhan terhadap pemenuhan independensi akuntan yang memberikan jasa audit di pasar modal sesuai dengan POJK Nomor 13/POJK.03/2017 tentang Penggunaan Jasa Akuntan Publik dalam Ya / Yes Compliance to the independency of Accountant that provide services in Capital Market as regulated in OJK rules No. 13/POJK.03/2017 concerning The Use of Public Accountant and Auditing Firm in
Kegiatan Jasa Keuangan Financial Services Activities.
[4220000] Statement of financial position presented using order of liquidity - Financial and Sharia Industry
Laporan posisi keuangan Statement of financial position

2023-12-31 2022-12-31
Laporan posisi keuangan Statement of financial position
Aset Assets
Kas 21,701,514 21,359,509 Cash
Dana yang dibatasi penggunaannya 0 0 Restricted funds
Giro pada Bank Indonesia 92,617,705 104,110,295 Current accounts with Bank Indonesia
Giro pada bank lain Current accounts with other banks
Giro pada bank lain pihak ketiga 5,615,252 4,752,659 Current accounts with other banks third parties
Giro pada bank lain pihak berelasi 0 0 Current accounts with other banks related parties
Cadangan kerugian penurunan nilai pada giro pada bank lain ( 899 ) ( 743 ) Allowance for impairment losses for current accounts with other bank
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain pihak ketiga 5,202,345 31,382,615 Placements with Bank Indonesia and other banks third parties
Penempatan pada Bank Indonesia dan bank lain pihak berelasi 0 0 Placements with Bank Indonesia and other banks related parties
Cadangan kerugian penurunan nilai pada penempatan pada bank lain ( 684 ) ( 5,463 ) Allowance for impairment losses for placements with other banks
Piutang asuransi Insurance receivables
Piutang asuransi pihak ketiga 0 0 Insurance receivables third parties
Piutang asuransi pihak berelasi 0 0 Insurance receivables related parties
Cadangan kerugian penurunan nilai pada piutang asuransi (0) (0) Allowance for impairment losses for insurance receivables
Biaya akuisisi tangguhan 0 0 Deferred acquisition costs
Deposito pada lembaga kliring dan penjaminan 0 0 Deposits to clearing and settlement guarantee institution
Efek-efek yang diperdagangkan Marketable securities
Efek-efek yang diperdagangkan pihak ketiga 14,841,146 2,132,811 Marketable securities third parties
Efek-efek yang diperdagangkan pihak berelasi 0 0 Marketable securities related parties
Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan (0) (0) Allowance for impairment losses for marketable securities
Investasi pemegang polis pada kontrak unit-linked 0 0 Investments of policyholder in unit-linked contracts
Efek yang dibeli dengan janji dijual kembali 93,096,153 153,965,112 Securities purchased under agreement to resale
Wesel ekspor dan tagihan lainnya Bills and other receivables
Wesel ekspor dan tagihan lainnya pihak ketiga 10,388,040 5,903,042 Bills and other receivables third parties
Wesel ekspor dan tagihan lainnya pihak berelasi 0 0 Bills and other receivables related parties
Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan lainnya ( 4,516 ) ( 7,135 ) Allowance for impairment losses for bills and other receivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihak ketiga 14,942,739 15,515,098 Acceptance receivables third parties
Tagihan akseptasi pihak berelasi 0 0 Acceptance receivables related parties
Cadangan kerugian penurunan nilai pada tagihan akseptasi ( 283,115 ) ( 315,457 ) Allowance for impairment losses for acceptance receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihak ketiga 217,514 100,318 Derivative receivables third parties
Tagihan derivatif pihak berelasi 0 0 Derivative receivables related parties
Pinjaman yang diberikan Loans
Pinjaman yang diberikan pihak ketiga 783,718,193 685,491,059 Loans third parties
Pinjaman yang diberikan pihak berelasi 8,478,521 9,445,463 Loans related parties
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 33,308,875 ) ( 33,947,518 ) Allowance for impairment losses for loans
Piutang dari lembaga kliring dan penjaminan 0 0 Receivables from clearing and settlement guarantee institution
Piutang nasabah Receivables from customers
Piutang nasabah pihak ketiga 9,013,552 7,576,818 Receivables from customers third parties
Piutang nasabah pihak berelasi 0 0 Receivables from customers related parties
Cadangan kerugian penurunan nilai pada piutang nasabah ( 422,934 ) ( 482,088 ) Allowance for impairment losses for receivables from customers
Piutang murabahah Murabahah receivables
Piutang murabahah pihak ketiga 0 0 Murabahah receivables third parties
Piutang murabahah pihak berelasi 0 0 Murabahah receivables related parties
Cadangan kerugian penurunan nilai pada piutang murabahah (0) (0) Allowance for impairment losses for murabahah receivables
Piutang istishna Istishna receivables
Piutang istishna pihak ketiga 0 0 Istishna receivables third parties
Piutang istishna pihak berelasi 0 0 Istishna receivables related parties
Cadangan kerugian penurunan nilai pada piutang istishna (0) (0) Allowance for impairment losses for istishna receivables
Piutang ijarah Ijarah receivables
Piutang ijarah pihak ketiga 0 0 Ijarah receivables third parties
Piutang ijarah pihak berelasi 0 0 Ijarah receivables related parties
Cadangan kerugian penurunan nilai pada piutang ijarah (0) (0) Allowance for impairment losses for ijarah receivables
Piutang pembiayaan konsumen Consumer financing receivables
Piutang pembiayaan konsumen pihak ketiga 9,041,396 8,625,656 Consumer financing receivables third parties
Piutang pembiayaan konsumen pihak berelasi 0 0 Consumer financing receivables related parties
Cadangan kerugian penurunan nilai pada piutang pembiayaan konsumen ( 327,946 ) ( 410,229 ) Allowance for impairment losses for consumer financing receivables
Pinjaman qardh Qardh funds
Pinjaman qardh pihak ketiga 0 0 Qardh funds third parties
Pinjaman qardh pihak berelasi 0 0 Qardh funds related parties
Cadangan kerugian penurunan nilai pada pinjaman qardh (0) (0) Allowance for impairment losses for qardh funds
Pembiayaan mudharabah Mudharabah financing
Pembiayaan mudharabah pihak ketiga 0 0 Mudharabah financing third parties
Pembiayaan mudharabah pihak berelasi 0 0 Mudharabah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan mudharabah (0) (0) Allowance for impairment losses for mudharabah financing
Pembiayaan musyarakah Musyarakah financing
Pembiayaan musyarakah pihak ketiga 0 0 Musyarakah financing third parties
Pembiayaan musyarakah pihak berelasi 0 0 Musyarakah financing related parties
Cadangan kerugian penurunan nilai pada pembiayaan musyarakah (0) (0) Allowance for impairment losses for musyarakah financing
Investasi sewa Lease investments
Investasi sewa pihak ketiga 140,406 122,942 Lease investments third parties
Investasi sewa pihak berelasi 0 0 Lease investments related parties
Investasi sewa nilai residu yang terjamin 0 0 Lease investments guaranteed residual value
Investasi sewa pendapatan pembiayaan tangguhan 0 0 Lease investments deferred financing income
Investasi sewa simpanan jaminan 0 0 Lease investments guarantee deposits
Cadangan kerugian penurunan nilai pada investasi sewa ( 1,399 ) ( 1,226 ) Allowance for impairment losses for lease investments
Tagihan anjak piutang Factoring receivables
Tagihan anjak piutang pihak ketiga 0 0 Factoring receivables third parties
Tagihan anjak piutang pihak berelasi 0 0 Factoring receivables related parties
Tagihan anjak piutang pada pendapatan anjak piutang tangguhan 0 0 Factoring receivables on deferred factoring income
Cadangan kerugian penurunan nilai pada tagihan anjak piutang (0) (0) Allowance for impairment losses for factoring receivables
Piutang lainnya Other receivables
Piutang lainnya pihak ketiga 0 0 Other receivables third parties
Piutang lainnya pihak berelasi 0 0 Other receivables related parties
Cadangan kerugian penurunan nilai pada piutang lainnya (0) (0) Allowance for impairment losses for other receivables
Aset keuangan lainnya 157,564,484 125,128,861 Other financial assets
Obligasi pemerintah 154,489,140 123,766,305 Government bonds
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk dijual 0 0 Non-current assets or disposal groups classified as held-for-sale
Aset tidak lancar atau kelompok lepasan diklasifikasikan sebagai dimiliki untuk didistribusikan kepada pemilik 0 0 Non-current assets or disposal groups classified as held-for-distribution to owners
Uang muka 0 0 Advances
Biaya dibayar dimuka 1,039,030 854,599 Prepaid expenses
Jaminan 0 0 Guarantees
Pajak dibayar dimuka 24,868 24,090 Prepaid taxes
Klaim atas pengembalian pajak 0 0 Claims for tax refund
Aset pajak tangguhan 7,451,236 7,321,331 Deferred tax assets
Investasi yang dicatat dengan menggunakan metode ekuitas 0 0 Investments accounted for using equity method
Investasi pada ventura bersama dan entitas asosiasi Investments in joint ventures and associates
Investasi pada entitas ventura bersama 0 0 Investments in joint ventures
Investasi pada entitas asosiasi 0 0 Investments in associates
Aset reasuransi 0 0 Reinsurance assets
Aset imbalan pasca kerja 0 0 Post-employment benefit assets
Goodwill 1,158,201 1,158,201 Goodwill
Aset takberwujud selain goodwill 406,572 408,919 Intangible assets other than goodwill
Properti investasi 0 0 Investment properties
Aset ijarah 0 0 Ijarah assets
Aset tetap 26,824,744 24,709,372 Property, plant, and equipment
Aset hak guna 0 0 Right of use assets
Aset pengampunan pajak 0 0 Tax amnesty assets
Agunan yang diambil alih 0 0 Foreclosed assets
Aset lainnya 24,484,627 16,046,458 Other assets
Jumlah aset 1,408,107,010 1,314,731,674 Total assets
Liabilitas, dana syirkah temporer dan ekuitas Liabilities, temporary syirkah funds and equity
Liabilitas Liabilities
Liabilitas segera 0 0 Obligations due immediately
Bagi hasil yang belum dibagikan 0 0 Undistributed profit sharing
Dana simpanan syariah 3,201,970 2,825,860 Sharia deposits
Simpanan nasabah Customers deposits
Giro Current accounts
Giro pihak ketiga 344,505,508 320,068,813 Current accounts third parties
Giro pihak berelasi 1,909,185 1,789,722 Current accounts related parties
Giro wadiah Wadiah demand deposits
Giro wadiah pihak ketiga 0 0 Wadiah demand deposits third parties
Giro wadiah pihak berelasi 0 0 Wadiah demand deposits related parties
Tabungan Savings
Tabungan pihak ketiga 533,814,453 522,217,546 Savings third parties
Tabungan pihak berelasi 272,759 240,122 Savings related parties
Tabungan wadiah Wadiah savings
Tabungan wadiah pihak ketiga 0 0 Wadiah savings third parties
Tabungan wadiah pihak berelasi 0 0 Wadiah savings related parties
Deposito berjangka Time deposits
Deposito berjangka pihak ketiga 209,807,609 185,753,097 Time deposits third parties
Deposito berjangka pihak berelasi 457,293 382,483 Time deposits related parties
Deposito wakalah Wakalah deposits
Deposito wakalah pihak ketiga 0 0 Wakalah deposits third parties
Deposito wakalah pihak berelasi 0 0 Wakalah deposits related parties
Simpanan dari bank lain Other banks deposits
Simpanan dari bank lain pihak berelasi 0 0 Other banks deposits related parties
Simpanan dari bank lain pihak ketiga 10,070,820 7,936,206 Other banks deposits third parties
Efek yang dijual dengan janji untuk dibeli kembali 1,054,780 255,962 Securities sold with repurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihak ketiga 122,765 383,273 Derivative payables third parties
Liabilitas derivatif pihak berelasi 0 0 Derivative payables related parties
Utang asuransi 0 0 Insurance payables
Utang koasuransi 0 0 Coinsurance liabilities
Liabilitas kepada pemegang polis unit-linked 0 0 Liabilities to policyholder in unit-linked contracts
Utang bunga 0 0 Interest payables
Liabilitas akseptasi Acceptance liabilities
Liabilitas akseptasi pihak berelasi 0 0 Acceptance liabilities related parties
Liabilitas akseptasi pihak ketiga 6,701,256 9,666,648 Acceptance liabilities third parties
Utang usaha 0 0 Accounts payable
Uang muka dan angsuran 0 0 Advances and installments
Utang dividen 0 0 Dividends payable
Utang dealer 0 0 Dealer payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterima pihak ketiga 1,629,626 1,316,951 Borrowings third parties
Pinjaman yang diterima pihak berelasi 0 0 Borrowings related parties
Pinjaman yang diterima utang pada lembaga kliring dan penjaminan 0 0 Borrowings payables to clearing and settlement guarantee institution
Efek yang diterbitkan Securities issued
Utang obligasi 0 0 Bonds payable
Sukuk 0 0 Sukuk
Obligasi subordinasi 0 0 Subordinated bonds
Surat utang jangka menengah 0 0 Medium term notes
Efek yang diterbitkan lainnya 500,000 500,000 Others securities issued
Liabilitas kontrak asuransi 0 0 Insurance contract liabilities
Utang perusahaan efek 0 0 Securities company payables
Provisi 0 0 Provisions
Liabilitas atas kontrak 0 0 Contract liabilities
Pendapatan ditangguhkan 0 0 Deferred income
Liabilitas sewa pembiayaan 0 0 Finance lease liabilities
Estimasi kerugian komitmen dan kontinjensi 3,371,674 3,438,349 Estimated losses on commitments and contingencies
Beban akrual 0 0 Accrued expenses
Utang pajak 1,727,910 2,373,869 Taxes payable
Liabilitas pajak tangguhan 0 9,740 Deferred tax liabilities
Liabilitas pengampunan pajak 0 0 Tax amnesty liabilities
Liabilitas lainnya 29,495,865 20,429,778 Other liabilities
Kewajiban imbalan pasca kerja 9,032,072 7,521,225 Post-employment benefit obligations
Pinjaman subordinasi Subordinated loans
Pinjaman subordinasi pihak ketiga 0 0 Subordinated loans third parties
Pinjaman subordinasi pihak berelasi 0 0 Subordinated loans related parties
Jumlah liabilitas 1,157,675,545 1,087,109,644 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
Giro mudharabah Mudharabah current account
Giro mudharabah pihak ketiga 0 0 Mudharabah current account third parties
Giro berjangka mudharabah pihak berelasi 0 0 Mudharabah current account related parties
Tabungan mudharabah Mudharabah saving deposits
Tabungan mudharabah pihak ketiga 937,111 795,708 Mudharabah saving deposits third parties
Tabungan mudharabah pihak berelasi 0 0 Mudharabah saving deposits related parties
Deposito berjangka mudharabah Mudharabah time deposits
Deposito berjangka mudharabah pihak ketiga 6,766,761 5,644,667 Mudharabah time deposits third parties
Deposito berjangka mudharabah pihak berelasi 0 0 Mudharabah time deposits related parties
Bank Bank
Giro mudharabah 0 0 Mudharabah current account
Tabungan mudharabah (ummat) 0 0 Mudharabah saving deposits (ummat)
Deposito berjangka mudharabah 0 0 Mudharabah time deposits
Efek yang diterbitkan bank Bank securities issued
Investasi mudharabah antar bank 190,000 0 Interbank mudharabah investments
Sukuk mudharabah 0 0 Mudharabah sukuk
Sukuk mudharabah subordinasi 0 0 Subordinated mudharabah sukuk
Jumlah dana syirkah temporer 7,893,872 6,440,375 Total temporary syirkah funds
Jumlah akumulasi dana tabarru 0 0 Total accumulated tabarru's funds
Ekuitas Equity
Ekuitas yang diatribusikan kepada pemilik entitas induk Equity attributable to equity owners of parent entity
Saham biasa 1,540,938 1,540,938 Common stocks
Saham preferen 0 0 Preferred stocks
Tambahan modal disetor 5,548,977 5,548,977 Additional paid-in capital
Saham treasuri (0) (0) Treasury stocks
Uang muka setoran modal 0 0 Advances in capital stock
Opsi saham 0 0 Stock options
Penjabaran laporan keuangan 0 0 Translation adjustment
Cadangan revaluasi 10,936,462 10,713,088 Revaluation reserves
Cadangan selisih kurs penjabaran 422,502 430,368 Reserve of exchange differences on translation
Cadangan perubahan nilai wajar aset keuangan nilai wajar melalui pendapatan komprehensif lainnya 948,627 1,824,992 Reserve for changes in fair value of fair value through other comprehensive income financial assets
Cadangan keuntungan (kerugian) investasi pada instrumen ekuitas 0 0 Reserve of gains (losses) from investments in equity instruments
Cadangan pembayaran berbasis saham 0 0 Reserve of share-based payments
Cadangan lindung nilai arus kas 0 0 Reserve of cash flow hedges
Cadangan pengukuran kembali program imbalan pasti 0 0 Reserve of remeasurements of defined benefit plans
Cadangan lainnya 0 0 Other reserves
Selisih Transaksi Perubahan Ekuitas Entitas Anak/Asosiasi 0 0 Difference Due to Changes of Equity in Subsidiary/Associates
Komponen ekuitas lainnya 1,385 1,385 Other components of equity
Saldo laba (akumulasi kerugian) Retained earnings (deficit)
Saldo laba yang telah ditentukan penggunaanya Appropriated retained earnings
Cadangan umum dan wajib 3,234,149 2,826,792 General and legal reserves
Cadangan khusus 0 0 Specific reserves
Saldo laba yang belum ditentukan penggunaannya 219,723,216 198,132,066 Unappropriated retained earnings
Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk 242,356,256 221,018,606 Total equity attributable to equity owners of parent entity
Proforma ekuitas 0 0 Proforma equity
Kepentingan non-pengendali 181,337 163,049 Non-controlling interests
Jumlah ekuitas 242,537,593 221,181,655 Total equity
Jumlah liabilitas, dana syirkah temporer dan ekuitas 1,408,107,010 1,314,731,674 Total liabilities, temporary syirkah funds and equity
[4322000] Statement of profit or loss and other comprehensive income, OCI components presented before tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
2023-12-31 2022-12-31
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other comprehensive income
Pendapatan dan beban operasional Operating income and expenses
Pendapatan bunga 87,397,774 72,241,191 Interest income
Beban bunga ( 12,268,952 ) ( 8,251,682 ) Interest expenses
Pendapatan pengelolaan dana oleh bank sebagai mudharib 0 0 Revenue from fund management as mudharib
Hak pihak ketiga atas bagi hasil dana syirkah temporer 0 0 Third parties share on return of temporary syirkah funds
Pendapatan asuransi Insurance income
Pendapatan dari premi asuransi 0 0 Revenue from insurance premiums
Premi reasuransi (0) (0) Reinsurance premiums
Premi retrosesi (0) (0) Retrocession premiums
Penurunan (kenaikan) premi yang belum merupakan pendapatan 0 0 Decrease (increase) in unearned premiums
Penurunan (kenaikan) pendapatan premi disesikan kepada reasuradur (0) (0) Decrease (increase) in premium income ceded to reinsurancer
Pendapatan komisi asuransi 0 0 Insurance commission income
Pendapatan bersih investasi 0 0 Net investment income
Penerimaan ujrah 0 0 Ujrah received
Pendapatan asuransi lainnya 0 0 Other insurance income
Beban asuransi Insurance expenses
Beban klaim (0) (0) Claim expenses
Klaim reasuransi 0 0 Reinsurance claims
Klaim retrosesi 0 0 Retrocession claims
Kenaikan (penurunan) estimasi liabilitas klaim (0) (0) Increase (decrease) in estimated claims liability
Kenaikan (penurunan) liabilitas manfaat polis masa depan (0) (0) Increase (decrease) in liability for future policy benefit
Kenaikan (penurunan) provisi yang timbul dari tes kecukupan liabilitas (0) (0) Increase (decrease) in provision for losses arising from liability adequacy test
Kenaikan (penurunan) liabilitas asuransi yang disesikan kepada reasuradur 0 0 Increase (decrease) in insurance liabilities ceded to reinsurers
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked (0) (0) Increase (decrease) in liabilities to policyholder in unit-linked contracts
Beban komisi asuransi (0) (0) Insurance commission expenses
Ujrah dibayar (0) (0) Ujrah paid
Beban akuisisi dari kontrak asuransi (0) (0) Acquisition costs of insurance contracts
Beban asuransi lainnya (0) (0) Other insurance expenses
Pendapatan dari pembiayaan Financing income
Pendapatan dari pembiayaan konsumen 0 0 Revenue from consumer financing
Pendapatan dari sewa pembiayaan 0 0 Revenue from finance lease
Pendapatan dari sewa operasi 0 0 Revenue from operating lease
Pendapatan dari anjak piutang 0 0 Revenue from factoring
Pendapatan sekuritas Securities income
Pendapatan kegiatan penjamin emisi dan penjualan efek 0 0 Revenue from underwriting activities and selling fees
Pendapatan pembiayaan transaksi nasabah 0 0 Revenue from financing transactions
Pendapatan jasa biro administrasi efek 0 0 Revenue from securities administration service
Pendapatan kegiatan jasa manajer investasi 0 0 Revenue from investment management services
Pendapatan kegiatan jasa penasehat keuangan 0 0 Revenue from financial advisory services
Keuntungan (kerugian) dari transaksi perdagangan efek yang telah direalisasi 0 0 Realised gains (losses) on trading of marketable securities
Keuntungan (kerugian) perubahan nilai wajar efek 0 0 Gains (losses) on changes in fair value of marketable securities
Pendapatan operasional lainnya Other operating income
Pendapatan investasi 0 0 Investments income
Pendapatan provisi dan komisi dari transaksi lainnya selain kredit 0 0 Provisions and commissions income from transactions other than loan
Pendapatan transaksi perdagangan 1,280,029 941,162 Revenue from trading transactions
Pendapatan dividen 34,528 46,530 Dividends income
Keuntungan (kerugian) yang telah direalisasi atas instrumen derivatif 607,471 346,244 Realised gains (losses) from derivative instruments
Penerimaan kembali aset yang telah dihapusbukukan 0 0 Revenue from recovery of written-off assets
Keuntungan (kerugian) selisih kurs mata uang asing 0 0 Gains (losses) on changes in foreign exchange rates
Keuntungan (kerugian) pelepasan aset tetap 0 0 Gains (losses) on disposal of property and equipment
Keuntungan (kerugian) pelepasan agunan yang diambil alih 0 0 Gains (losses) on disposal of foreclosed assets
Pendapatan operasional lainnya 22,895,062 22,153,232 Other operating income
Pemulihan penyisihan kerugian penurunan nilai Recovery of impairment loss
Pemulihan penyisihan kerugian penurunan nilai aset keuangan ( 2,238,491 ) ( 4,332,146 ) Recovery of impairment loss of financial assets
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - sewa pembiayaan 0 0 Recovery of impairment loss of financial assets finance lease
Pemulihan penyisihan kerugian penurunan nilai aset keuangan - piutang pembiayaan konsumen 0 0 Recovery of impairment loss of financial assets consumer financing receivables
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan 0 0 Recovery of impairment loss of non-financial assets
Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan - agunan yang diambil alih 0 0 Recovery of impairment loss of non-financial assets repossessed collaterals
Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi 0 0 Recovery of estimated loss of commitments and contingency
Pembentukan kerugian penurunan nilai Allowances for impairment losses
Pembentukan penyisihan kerugian penurunan nilai aset produktif ( 24,558 ) ( 194,473 ) Allowances for impairment losses on earnings assets
Pembentukan penyisihan kerugian penurunan nilai aset non-produktif (0) (0) Allowances for impairment losses on non-earnings assets
Pembalikan (beban) estimasi kerugian komitmen dan kontijensi Reversal (expense) of estimated losses on commitments and contingencies
Beban operasional lainnya Other operating expenses
Beban umum dan administrasi ( 17,496,896 ) ( 15,390,436 ) General and administrative expenses
Beban penjualan (0) (0) Selling expenses
Beban sewa, pemeliharaan, dan perbaikan (0) (0) Rent, maintenance and improvement expenses
Beban provisi dan komisi ( 539 ) ( 360 ) Other fees and commissions expenses
Beban operasional lainnya ( 20,005,671 ) ( 17,092,229 ) Other operating expenses
Jumlah laba operasional 60,179,757 50,467,033 Total profit from operation
Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional 0 0 Non-operating income
Beban bukan operasional (0) (0) Non-operating expenses
Bagian atas laba (rugi) entitas asosiasi yang dicatat dengan menggunakan metode ekuitas 0 0 Share of profit (loss) of associates accounted for using equity method
Bagian atas laba (rugi) entitas ventura bersama yang dicatat menggunakan metode ekuitas 0 0 Share of profit (loss) of joint ventures accounted for using equity method
Jumlah laba (rugi) sebelum pajak penghasilan 60,179,757 50,467,033 Total profit (loss) before tax
Pendapatan (beban) pajak ( 11,521,662 ) ( 9,711,461 ) Tax benefit (expenses)
Jumlah laba (rugi) dari operasi yang dilanjutkan 48,658,095 40,755,572 Total profit (loss) from continuing operations
Laba (rugi) dari operasi yang dihentikan 0 0 Profit (loss) from discontinued operations
Jumlah laba (rugi) 48,658,095 40,755,572 Total profit (loss)
Pendapatan komprehensif lainnya, sebelum pajak Other comprehensive income, before tax
Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya atas keuntungan (kerugian) hasil revaluasi aset tetap, sebelum pajak 231,837 1,225,786 Other comprehensive income for gains (losses) on revaluation of property and equipment, before tax
Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, sebelum pajak ( 559,449 ) ( 349,596 ) Other comprehensive income for remeasurement of defined benefit obligation, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak 0 0 Other adjustments to other comprehensive income that will not be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak ( 327,612 ) 876,190 Total other comprehensive income that will not be reclassified to profit or loss, before tax
Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that may be reclassified to profit or loss, before tax
Keuntungan (kerugian) selisih kurs penjabaran, sebelum pajak ( 7,866 ) 52,708 Gains (losses) on exchange differences on translation, before tax
Penyesuaian reklasifikasi selisih kurs penjabaran, sebelum pajak (0) (0) Reclassification adjustments on exchange differences on translation, before tax
Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan melalui penghasilan komprehensif lain, sebelum pajak ( 1,083,532 ) ( 5,329,799 ) Unrealised gains (losses) on changes in fair value through other comprehensive income, before tax
Penyesuaian reklasifikasi atas aset keuangan nilai wajar melalui pendapatan komprehensif lainnya, sebelum pajak (0) (0) Reclassification adjustments on fair value through other comprehensive income financial assets, before tax
Keuntungan (kerugian) lindung nilai arus kas, sebelum pajak 0 0 Gains (losses) on cash flow hedges, before tax
Penyesuaian reklasifikasi atas lindung nilai arus kas, sebelum pajak (0) (0) Reclassification adjustments on cash flow hedges, before tax
Nilai tercatat dari aset (liabilitas) non-keuangan yang perolehan atau keterjadiannya merupakan suatu prakiraan transaksi yang kemungkinan besar terjadi yang dilindung nilai, sebelum pajak 0 0 Carrying amount of non-financial asset (liability) whose acquisition or incurrence was hedged on highly probable forecast transaction, adjusted from equity, before tax
Keuntungan (kerugian) lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak 0 0 Gains (losses) on hedges of net investments in foreign operations, before tax
Penyesuaian reklasifikasi atas lindung nilai investasi bersih kegiatan usaha luar negeri, sebelum pajak (0) (0) Reclassification adjustments on hedges of net investments in foreign operations, before tax
Bagian pendapatan komprehensif lainnya dari entitas asosiasi yang dicatat dengan menggunakan metode ekuitas, sebelum pajak 0 0 Share of other comprehensive income of associates accounted for using equity method, before tax
Bagian pendapatan komprehensif lainnya dari entitas ventura bersama yang dicatat dengan menggunakan metode ekuitas, sebelum pajak 0 0 Share of other comprehensive income of joint ventures accounted for using equity method, before tax
Penyesuaian lainnya atas pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak 0 0 Other adjustments to other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak ( 1,091,398 ) ( 5,277,091 ) Total other comprehensive income that may be reclassified to profit or loss, before tax
Jumlah pendapatan komprehensif lainnya, sebelum pajak ( 1,419,010 ) ( 4,400,901 ) Total other comprehensive income, before tax
Pajak atas pendapatan komprehensif lainnya 312,801 1,078,183 Tax on other comprehensive income
Jumlah pendapatan komprehensif lainnya, setelah pajak ( 1,106,209 ) ( 3,322,718 ) Total other comprehensive income, after tax
Jumlah laba rugi komprehensif 47,551,886 37,432,854 Total comprehensive income
Laba (rugi) yang dapat diatribusikan Profit (loss) attributable to
Laba (rugi) yang dapat diatribusikan ke entitas induk 48,639,122 40,735,722 Profit (loss) attributable to parent entity
Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali 18,973 19,850 Profit (loss) attributable to non-controlling interests
Laba rugi komprehensif yang dapat diatribusikan Comprehensive income attributable to
Laba rugi komprehensif yang dapat diatribusikan ke entitas induk 47,533,598 37,413,477 Comprehensive income attributable to parent entity
Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali 18,288 19,377 Comprehensive income attributable to non-controlling interests
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasar diatribusikan kepada pemilik entitas induk Basic earnings per share attributable to equity owners of the parent entity
Laba (rugi) per saham dasar dari operasi yang dilanjutkan 395 330 Basic earnings (loss) per share from continuing operations
Laba (rugi) per saham dasar dari operasi yang dihentikan 0 0 Basic earnings (loss) per share from discontinued operations
Laba (rugi) per saham dilusian Diluted earnings (loss) per share
Laba (rugi) per saham dilusian dari operasi yang dilanjutkan 395 330 Diluted earnings (loss) per share from continuing operations
Laba (rugi) per saham dilusian dari operasi yang dihentikan 0 0 Diluted earnings (loss) per share from discontinued operations
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas

Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 1,540,938 0 5,548,977 0 0 0 0 10,713,088 430,368 1,824,992 0 0 0 0 0
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kebijakan akuntansi secara sukarela 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Koreksi kesalahan periode lalu 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Penyesuaian lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Posisi ekuitas, awal periode 1,540,938 0 5,548,977 0 0 0 0 10,713,088 430,368 1,824,992 0 0 0 0 0
Laba (rugi) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pendapatan komprehensif lainnya 0 0 0 0 0 0 0 223,374 ( 7,866 ) ( 876,365 ) 0 0 0 0 0
Penjabaran laporan keuangan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pembentukan cadangan umum 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pembentukan cadangan khusus 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Distribusi dividen kas (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Distribusi dividen saham (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Penerbitan saham biasa 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Penerbitan saham preferen 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Biaya emisi efek (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Penerbitan instrumen yang dapat dikonversi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pelaksanaan instrumen yang dapat dikonversi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pelaksanaan waran 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Setoran modal dari kepentingan non-pengendali 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas akuisisi entitas anak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas pendirian entitas anak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas pelepasan entitas anak (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Eliminasi defisit dalam rangka kuasi reorganisasi (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Pelaksanaan opsi saham 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dampak penerapan psak no. 70 atas aset pengampunan pajak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saldo penyesuaian dampak penerapan retrospektif atas PSAK 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Transaksi ekuitas lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977 0 0 0 0 10,936,462 422,502 948,627 0 0 0 0 0
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas

Reserve for changes in fair value
Reserve of exchange differences of fair value through other Reserve of gains (losses) from Reserve of remeasurements of
Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Translation adjustment Revaluation reserves Reserve of share-based payments Reserve of cash flow hedges Other reserves
on translation comprehensive income financial investments in equity instruments defined benefit plans Equity
assets
Cadangan perubahan nilai wajar aset
Cadangan keuntungan (kerugian) Cadangan pengukuran kembali program Selisih
Saham biasa Saham preferen Tambahan modal disetor Saham treasuri Uang muka setoran modal Opsi saham Penjabaran laporan keuangan Cadangan revaluasi Cadangan selisih kurs penjabaran keuangan nilai wajar melalui Cadangan pembayaran berbasis saham Cadangan lindung nilai arus kas Cadangan lainnya
investasi pada instrumen ekuitas imbalan pasti
pendapatan komprehensif lainnya
Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian kembali 1,540,938 0 5,548,977 0 0 0 0 9,521,504 377,660 6,142,177 0 0 0 0 0
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kebijakan akuntansi secara sukarela 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Koreksi kesalahan periode lalu 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Penyesuaian lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Posisi ekuitas, awal periode 1,540,938 0 5,548,977 0 0 0 0 9,521,504 377,660 6,142,177 0 0 0 0 0
Laba (rugi) 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pendapatan komprehensif lainnya 0 0 0 0 0 0 0 1,191,584 52,708 ( 4,317,185 ) 0 0 0 0 0
Penjabaran laporan keuangan 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pembentukan cadangan umum 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pembentukan cadangan khusus 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Distribusi dividen kas (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Distribusi dividen saham (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Penerbitan saham biasa 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Penerbitan saham preferen 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Biaya emisi efek (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Penerbitan instrumen yang dapat dikonversi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pelaksanaan instrumen yang dapat dikonversi 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Pelaksanaan waran 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Setoran modal dari kepentingan non-pengendali 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas akuisisi entitas anak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas pendirian entitas anak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Perubahan kepentingan non-pengendali atas pelepasan entitas anak (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangnya pengendalian (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Eliminasi defisit dalam rangka kuasi reorganisasi (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0) (0)
Pelaksanaan opsi saham 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dampak penerapan psak no. 70 atas aset pengampunan pajak 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saldo penyesuaian dampak penerapan retrospektif atas PSAK 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Transaksi ekuitas lainnya 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Posisi ekuitas, akhir periode 1,540,938 0 5,548,977 0 0 0 0 10,713,088 430,368 1,824,992 0 0 0 0 0
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement of cash flows

2023-12-31 2022-12-31
Laporan arus kas Statement of cash flows
Arus kas dari aktivitas operasi Cash flows from operating activities
Arus kas sebelum perubahan dalam aset dan liabilitas operasi Cash flows before changes in operating assets and liabilities
Penerimaan bunga, hasil investasi, provisi, dan komisi 106,414,649 89,720,816 Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi ( 12,184,461 ) ( 8,372,338 ) Payments Of Interest And Bonus Fees And Commissions
Bunga bank dan deposito berjangka 0 0 Interest from banks and time deposits
Penerimaan pendapatan pengelolaan dana sebagai mudharib 0 0 Revenue receipts from fund management as mudharib
Pembayaran bagi hasil dana syirkah temporer (0) (0) Payments of temporary syirkah funds
Penerimaan premi asuransi 0 0 Receipts from insurance premiums
Penerimaan klaim reasuransi 0 0 Receipts from reinsurance claims
Penerimaan (pembayaran) komisi 0 0 Receipts (payments) of commission
Penerimaan klaim retrosesi 0 0 Receipts from retrocession claims
Penerimaan dari ujrah 0 0 Receipts of ujrah
Penerimaan dari (pembayaran kepada) lembaga kliring dan penjaminan 0 0 Receipts from (payments to) clearing and guarantee institution
Penerimaan dari (pembayaran kepada) nasabah 0 0 Receipts from (payments to) customers
Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan 0 0 Withdrawal (placement) of deposits to clearing and guarantee institution
Pendapatan dari transaksi operasional lainnya 6,355,896 5,595,626 Income from other operating transactions
Penerimaan kembali aset yang telah dihapusbukukan 0 0 Recoveries of written off assets
Pembayaran biaya akuisisi ditangguhkan (0) (0) Payments for deferred acquisition costs
Pembayaran atas beban keuangan dan beban administrasi bank (0) (0) Payments of finance costs and bank administration charges
Pembayaran gaji dan tunjangan (0) (0) Payments for salaries and allowances
Pembayaran pajak penghasilan badan (0) (0) Payments for corporate income tax
Pembayaran beban umum dan administrasi (0) (0) Payments for general and administrative expense
Laba (rugi) selisih kurs ( 465,294 ) 3,083,584 Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan ( 11,869,562 ) ( 10,107,569 ) Refunds (payments) of income tax
Pembayaran beban operasional lainnya ( 35,130,988 ) ( 29,944,225 ) Payments for other operating expenses
Penerimaan pendapatan non-operasional 0 0 Receipts from non-operating income
Pengembalian (penempatan) uang jaminan 0 0 Repayment (placement) of refundable deposits
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi ( 1,029,720 ) ( 855,848 ) Other cash inflows (outflows) from operating activities
Penurunan (kenaikan) aset operasi Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan pada bank lain dan Bank Indonesia 417,504 9,776,116 Decrease (increase) in placements with other banks and Bank Indonesia
Penurunan (kenaikan) efek yang diperdagangkan ( 12,118,168 ) ( 209,675 ) Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali 60,869,260 ( 6,900,307 ) Decrease (increase) in securities purchased under resale agreements
Penurunan (kenaikan) investasi pemegang polis pada kontrak unit-linked 0 0 Decrease (increase) in investment of policyholder in unit-linked contracts
Penurunan (kenaikan) wesel ekspor dan tagihan lainnya ( 4,489,425 ) 633,297 Decrease (increase) in bills and other receivables
Penurunan (kenaikan) tagihan akseptasi 572,359 ( 4,054,784 ) Decrease (increase) in acceptance receivables
Penurunan (kenaikan) pinjaman yang diberikan ( 100,405,857 ) ( 73,189,294 ) Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen ( 670,970 ) ( 222,986 ) Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa ( 17,464 ) ( 38,002 ) Decrease (increase) in lease investments
Penurunan (kenaikan) tagihan anjak piutang 0 0 Decrease (increase) in factoring
Penurunan (kenaikan) piutang dan pembiayaan syariah Decrease (increase) in sharia financing and receivables
Penurunan (kenaikan) piutang murabahah 0 0 Decrease (increase) in murabahah receivables
Penurunan (kenaikan) piutang istishna 0 0 Decrease (increase) in istishna receivables
Penurunan (kenaikan) piutang ijarah 0 0 Decrease (increase) in ijarah receivables
Penurunan (kenaikan) pinjaman qardh 0 0 Decrease (increase) in qardh funds
Penurunan (kenaikan) pembiayaan mudharabah 0 0 Decrease (increase) in mudharabah financing
Penurunan (kenaikan) pembiayaan musyarakah 0 0 Decrease (increase) in musyarakah financing
Penurunan (kenaikan) aset ijarah 0 0 Decrease (increase) in ijarah assets
Penurunan (kenaikan) piutang lainnya ( 1,712,883 ) ( 1,456,064 ) Decrease (increase) in other receivables
Penurunan (kenaikan) agunan yang diambil alih 0 0 Decrease (increase) in foreclosed assets
Penurunan (kenaikan) tagihan derivatif 0 0 Decrease (increase) in derivative receivables
Penurunan (kenaikan) aset reasuransi 0 0 Decrease (increase) in reinsurance assets
Penurunan (kenaikan) aset lainnya ( 7,521,645 ) ( 25,785 ) Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera 0 0 Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah 36,788,803 74,802,958 Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah 24,284,578 ( 19,454,803 ) Increase (decrease) in customers time deposits
Kenaikan (penurunan) giro wadiah simpanan nasabah 0 0 Increase (decrease) in customers wadiah demand deposits
Kenaikan (penurunan) tabungan wadiah simpanan nasabah 376,110 1,205,821 Increase (decrease) in customers wadiah saving deposits
Kenaikan (penurunan) deposito wakalah simpanan nasabah 0 0 Increase (decrease) in customers wakalah deposits
Kenaikan (penurunan) simpanan dari bank lain 2,154,145 ( 2,241,366 ) Increase (decrease) in other banks saving deposits
Kenaikan (penurunan) giro mudharabah 0 0 Increase (decrease) in mudharabah current account
Kenaikan (penurunan) tabungan mudharabah 0 0 Increase (decrease) in mudharabah savings deposits
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali 0 0 Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi ( 2,965,392 ) 3,022,354 Increase (decrease) in acceptance payables
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked 0 0 Increase (decrease) in liabilities to policyholder on unit-linked contracts
Kenaikan (penurunan) liabilitas derivatif 0 0 Increase (decrease) in derivative payables
Kenaikan (penurunan) dana syirkah temporer 1,453,497 718,387 Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya 9,010,494 2,293,350 Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi 58,115,466 33,779,263 Total net cash flows received from (used in) operating activities
Arus kas dari aktivitas investasi Cash flows from investing activities
Penerimaan dari penyertaan saham dalam klasifikasi biaya perolehan diamortisasi dan nilai wajar melalui pendapatan komprehensif lainnya 0 0 Proceeds from equity investments classified as amortized cost and fair value through other comprehensive income
Pencairan (penempatan) obligasi dan (atau) sukuk 0 0 Withdrawal (placement) of bonds and (or) sukuk
Penerimaan dividen dari aktivitas investasi 34,528 46,530 Dividends received from investing activities
Penerimaan dari penjualan (perolehan) properti investasi 0 0 Proceeds from disposal (acquisition) of investment properties
Penerimaan dari penjualan (perolehan) aset tetap ( 5,077,262 ) ( 3,349,686 ) Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill 0 0 Proceeds from disposal (acquisition) of intangible assets other than goodwill
Pencairan (penempatan) aset keuangan nilai wajar melalui pendapatan komprehensif lainnya 0 0 Withdrawal (placement) of financial assets fair value through other comprehensive income
Penempatan aset keuangan biaya perolehan diamortisasi (0) (0) Placement of financial assets amotized cost investments
Pencairan aset keuangan biaya perolehan diamortisasi 0 0 Withdrawal of financial assets amortized cost investments
Penerimaan dari (pembayaran kepada) pinjaman polis 0 0 Receipts from (payments for) policy loans
Pembayaran untuk perolehan entitas anak (0) (0) Payments for acquisition of subsidiaries
Penerimaan dari pelepasan entitas anak 0 0 Proceeds from sales of subsidiaries
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak (0) (0) Payments for acquisition of additional interests in subsidiaries
Pencairan (penempatan) efek-efek yang diperdagangkan 0 0 Withdrawal (placement) of marketable securities
Penerimaan dari pelepasan kepentingan di entitas anak tanpa hilangnya pengendalian dari kegiatan investasi 0 0 Proceeds from sales of interests in subsidiaries without loss of control from investing activities
Pembayaran untuk perolehan kepemilikan pada entitas asosiasi (0) (0) Payments for acquisition of interests in associates
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi 0 0 Proceeds from sales of interests in associates
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi ( 64,754,015 ) ( 29,079,830 ) Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi ( 69,796,749 ) ( 32,382,986 ) Total net cash flows received from (used in) investing activities
Arus kas dari aktivitas pendanaan Cash flows from financing activities
Kenaikan (penurunan) efek yang diterbitkan 0 ( 483,000 ) Increase (decrease) in securities issued
Penerbitan sukuk mudharabah 0 0 Issuance of mudharabah sukuk
Penempatan sertifikat investasi mudharabah (0) (0) Placement of certificate of mudharabah investments
Biaya emisi sukuk mudharabah (0) (0) Issuance cost of mudharabah sukuk
Penerimaan pinjaman yang diterima 49,928,825 23,546,543 Proceeds from borrowings
Pembayaran pinjaman yang diterima ( 49,607,671 ) ( 23,237,805 ) Payments for borrowings
Penerimaan pinjaman subordinasi 0 0 Proceeds from subordinated loans
Pembayaran pinjaman subordinasi (0) (0) Payments of subordinated loans
Pembayaran bunga pinjaman (0) (0) Payments of interests from borrowings
Penerimaan dari penerbitan obligasi 0 0 Proceeds from bonds issuance
Pembayaran utang obligasi (0) (0) Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi (0) (0) Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan 0 0 Subordinated bonds issued
Pembayaran obligasi subordinasi (0) (0) Payments of subordinated bonds
Biaya emisi obligasi subordinasi yang diterbitkan (0) (0) Subordinated bonds issuance costs
Penerimaan dari surat utang jangka menengah 0 0 Proceeds from medium term notes
Pembayaran dari surat utang jangka menengah (0) (0) Payments of medium term notes
Penerimaan dari penerbitan saham baru 0 0 Proceeds from issuance of new stocks
Pembayaran biaya emisi saham (0) (0) Payments of stock issuance costs
Penerimaan setoran modal 0 0 Proceeds from capital contributions
Penerimaan dari penambahan kepemilikan dari non-pengendali 0 7,500 Proceed from increase of non-controlling interest
Penjualan (pembelian) dari saham tresuri 0 0 Sales (purchase) of treasury stocks
Penerimaan dari program opsi saham karyawan 0 0 Proceeds from employee stock options program
Penyelesaian (penempatan) transaksi derivatif 0 0 Settlement (placement) of derivative transactions
Pembayaran dividen dari aktivitas pendanaan ( 26,195,948 ) ( 19,107,633 ) Dividends paid from financing activities
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan 804,113 158,179 Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan ( 25,070,681 ) ( 19,116,216 ) Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas ( 36,751,964 ) ( 17,719,939 ) Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode 160,422,371 177,268,685 Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas 725,580 873,625 Effect of exchange rate changes on cash and cash equivalents
Kas dan setara kas dari entitas anak yang didekonsolidasikan 0 0 Cash and cash equivalent of deconsolidated subsidiaries
Kenaikan (penurunan) kas dan setara kas lainnya 0 0 Other increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, akhir periode 124,395,987 160,422,371 Cash and cash equivalents cash flows, end of the period
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia Industry
Kebijakan akuntansi signifikan Significant accounting policies

2023-12-31
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan konsolidasian Basis of preparation of consolidated financial statements
Prinsip-prinsip konsolidasi Principles of consolidation
Kas dan setara kas Cash and cash equivalents
Aset tetap Fixed assets
Penurunan nilai aset nonkeuangan Impairment of non-financial assets
Beban tangguhan Deferred charges
Pengakuan pendapatan dan beban Revenue and expense recognition
Penjabaran mata uang asing Foreign currency translation
Transaksi dengan pihak berelasi Transactions with related parties
Pajak penghasilan Income taxes
Pinjaman Borrowings
Provisi Provisions
Imbalan kerja karyawan Employee benefits
Laba per saham Earnings per share
Dividen Dividends
Pelaporan segmen Segment reporting
Instrumen keuangan derivatif Derivative financial instruments
Penerapan standar akutansi baru The implementation of new statements of accounting standards
Kombinasi bisnis Business combination
Penentuan nilai wajar Determination of fair value
Transaksi dan saldo dalam mata uang asing Foreign currency transactions and balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and other banks
Penempatan pada Bank Indonesia dan bank lain Placements with Bank Indonesia and other banks
Efek-efek Securities
Investasi jangka pendek Short-term investment
Aset hak guna Right of use assets
Properti investasi Investment properties
Goodwill Goodwill
Investasi pada entitas asosiasi Investment in associates
Aset takberwujud Intangible assets
Beban dibayar dimuka Prepaid expenses
Piutang dan utang asuransi Insurance receivables and payables
Piutang pembiayaan konsumen Consumer financing receivables
Liabilitas atas kontrak Contract liabilities
Simpanan nasabah dan simpanan dari bank lain Deposits from customers and deposits from other banks
Obligasi subordinasi Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli kembali Securities purchased under resell agreements
Saham treasuri Treasury stock
Modal saham Share capital
Pengaturan pembayaran berbasis saham Share-based payment arrangement
Biaya emisi efek ekuitas Stock issuance cost
Instrumen keuangan Financial instruments
Aset tidak lancar yang diklasifikasikan sebagai dimiliki untuk dijual Non-current assets classified as held for sale
Peristiwa setelah tanggal periode pelaporan Events after reporting period
Penerapan standar akuntansi baru Adoption of new accounting standards
Standar akuntansi yang telah disahkan namun belum berlaku efektif Accounting standards issued but not yet effective
Utang pembiayaan konsumen Consumer financing liabilities

[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry
Aset tetap Property, plant, and equipment

Aset tetap [baris komponen]
Aset tetap Penambahan aset tetap Pengurangan aset tetap Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap Penurunan (pemulihan) nilai aset tetap Aset tetap
Nilai perolehan, kotor Tanah, dimiliki langsung 15,233,002 26,032 ( 71,592 ) 96,773 221,625 15,505,840 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 6,516,632 43,467 ( 12,507 ) 68,606 0 6,616,198 Building and leasehold improvement, directly owned
Mesin dan peralatan, dimiliki langsung Machinery and equipment, directly owned
Alat berat, dimiliki langsung Heavy equipment, directly owned
Alat pengangkutan, dimiliki langsung Transportation equipment, directly owned
Perabot dan peralatan kantor, dimiliki langsung 9,625,517 3,286,344 ( 2,668,139 ) 4,717 0 10,248,439 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 0 0 (0) 0 0 0 Motor vehicle, directly owned
Pesawat, dimiliki langsung Aircraft, directly owned
Kapal, dimiliki langsung Vessels, directly owned
Menara telekomunikasi, dimiliki langsung BTS Tower, directly owned
Jaringan Fiber Optik, dimiliki langsung Fiber Optic Network, directly owned
Infrastruktur Telekomunikasi, dimiliki langsung Telecommunication Infrastructure, directly owned
Peralatan Teknikal, dimiliki langsung Technical Equipment, directly owned
Lainnya, dimiliki langsung Others, directly owned
Dimiliki langsung 31,375,151 3,355,843 ( 2,752,238 ) 170,096 0 0 221,625 (0) 32,370,477 Directly owned
Mesin, aset hak guna 1,613,690 399,284 ( 314,416 ) 0 0 1,698,558 Machinery, right of use assets
Alat pengangkutan, aset hak guna Transportation equipment, right of use assets
Alat berat, aset hak guna Heavy equipment, right of use assets
Bangunan, aset hak guna Building, right of use assets
Perabot dan peralatan kantor, aset hak guna 17,996 774 (0) 0 0 18,770 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 7,919 1,452 (0) 0 0 9,371 Motor vehicle, rights of use assets
Pesawat, aset hak guna Aircraft, right of use assets
Kapal, aset hak guna Vessels, right of use assets
Menara telekomunikasi, aset hak guna BTS Tower, right of use assets
Jaringan Fiber Optik, aset hak guna Fiber Optic Network, right of use assets
Infrastruktur Telekomunikasi, aset hak guna Telecommunication Infrastructure, right of use assets
Peralatan Teknikal, aset hak guna Technical Equipment, right of use assets
Lainnya, aset hak guna 2,730 107 ( 2,730 ) 0 0 107 Others, right of use assets
Aset hak guna 1,642,335 401,617 ( 317,146 ) 0 0 0 0 (0) 1,726,806 Right of use assets
Bangunan, dalam penyelesaian Building, assets under construction
Mesin dan alat berat, dalam penyelesaian Machinery and heavy equipment, assets under construction
Menara telekomunikasi, dalam penyelesaian BTS Tower, assets under construction
Jaringan Fiber Optik, dalam penyelesaian Fiber Optic Network, assets under construction
Infrastruktur Telekomunikasi, dalam penyelesaian Telecommunication Infrastructure, assets under construction
Peralatan Teknikal, dalam penyelesaian Technical Equipment, assets under construction
Lainnya, dalam penyelesaian 1,763,047 1,341,888 ( 107,255 ) ( 170,096 ) 0 2,827,584 Others, assets under construction
Aset dalam penyelesaian 1,763,047 1,341,888 ( 107,255 ) ( 170,096 ) 0 0 0 (0) 2,827,584 Assets under construction
Aset tetap 34,780,533 5,099,348 ( 3,176,639 ) 0 0 0 221,625 (0) 36,924,867 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 2,725,745 285,526 ( 7,107 ) 0 0 3,004,164 Building and leasehold improvement, directly owned
Perabot dan peralatan kantor, dimiliki langsung 6,619,282 2,217,422 ( 2,610,372 ) 0 0 6,226,332 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 0 0 (0) 0 0 0 Motor vehicle, directly owned
Dimiliki langsung 9,345,027 2,502,948 ( 2,617,479 ) 0 0 0 0 (0) 9,230,496 Directly owned
Mesin, aset hak guna 707,267 415,231 ( 280,455 ) 0 0 842,043 Machinery, right of use assets
Perabot dan peralatan kantor, aset hak guna 10,789 2,117 5,504 0 0 18,410 Furniture and office equipment, rights of use assets
Kendaraan bermotor, aset hak guna 5,409 2,382 1,370 0 0 9,161 Motor vehicle, rights of use assets
Lainnya, aset hak guna 2,669 74 ( 2,730 ) 0 0 13 Others, right of use assets
Aset hak guna 726,134 419,804 ( 276,311 ) 0 0 0 0 (0) 869,627 Right of use assets
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 0 0 (0) 0 0 0 0 (0) 0 Assets under construction
Aset tetap 10,071,161 2,922,752 ( 2,893,790 ) 0 0 0 0 (0) 10,100,123 Property, plant, and equipment

Nilai perolehan Aset tetap 24,709,372 2,176,596 ( 282,849 ) 0 0 0 221,625 (0) 26,824,744 Property, plant, and equipment Carrying amount
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown) - Financial and Sharia Industry - Prior Year

Nilai perolehan, kotor Tanah, dimiliki langsung 13,878,170 133,376 ( 53,434 ) 68,047 1,206,843 15,233,002 Land, directly owned Carrying amount, gross
Bangunan dan fasilitasnya, dimiliki langsung 6,239,014 71,109 ( 23,601 ) 230,110 0 6,516,632 Building and leasehold improvement, directly owned
Perabot dan peralatan kantor, dimiliki langsung 8,614,555 1,164,965 ( 154,003 ) 0 0 0 0 (0) 9,625,517 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 0 0 (0) 0 0 0 0 (0) 0 Motor vehicle, directly owned
Dimiliki langsung 28,731,739 1,369,450 ( 231,038 ) 298,157 0 0 1,206,843 (0) 31,375,151 Directly owned
Mesin, aset hak guna 1,451,110 707,021 ( 544,441 ) 0 0 1,613,690 Machinery, right of use assets
Perabot dan peralatan kantor, aset hak guna 13,795 4,201 (0) 0 0 17,996 Furniture and office equipment, rights of use assets
Lainnya, aset hak guna 2,730 0 (0) 0 0 2,730 Others, right of use assets
Aset hak guna 1,474,212 712,564 ( 544,441 ) 0 0 0 0 (0) 1,642,335 Right of use assets
Lainnya, dalam penyelesaian 902,422 1,262,439 ( 103,657 ) ( 298,157 ) 0 1,763,047 Others, assets under construction
Aset dalam penyelesaian 902,422 1,262,439 ( 103,657 ) ( 298,157 ) 0 0 0 (0) 1,763,047 Assets under construction
Aset tetap 31,108,373 3,344,453 ( 879,136 ) 0 0 0 1,206,843 (0) 34,780,533 Property, plant, and equipment
Akumulasi depresiasi Tanah, dimiliki langsung Land, directly owned Carrying amount, accumulated depreciation
Bangunan dan fasilitasnya, dimiliki langsung 2,461,501 273,325 ( 9,081 ) 0 0 2,725,745 Building and leasehold improvement, directly owned
Perabot dan peralatan kantor, dimiliki langsung 5,933,582 1,551,970 ( 866,270 ) 0 0 0 0 (0) 6,619,282 Furniture and office equipment, directly owned
Kendaraan bermotor, dimiliki langsung 0 0 (0) 0 0 0 0 (0) 0 Motor vehicle, directly owned
Dimiliki langsung 8,395,083 1,825,295 ( 875,351 ) 0 0 0 0 (0) 9,345,027 Directly owned
Mesin, aset hak guna 533,049 404,571 ( 230,353 ) 0 0 707,267 Machinery, right of use assets
Perabot dan peralatan kantor, aset hak guna 6,092 4,697 (0) 0 0 10,789 Furniture and office equipment, rights of use assets
Lainnya, aset hak guna 1,762 907 (0) 0 0 2,669 Others, right of use assets
Aset hak guna 543,991 412,496 ( 230,353 ) 0 0 0 0 (0) 726,134 Right of use assets
Lainnya, dalam penyelesaian Others, assets under construction
Aset dalam penyelesaian 0 0 (0) 0 0 0 0 (0) 0 Assets under construction
Aset tetap 8,939,074 2,237,791 ( 1,105,704 ) 0 0 0 0 (0) 10,071,161 Property, plant, and equipment

Nilai perolehan Aset tetap 22,169,299 1,106,662 226,568 0 0 0 1,206,843 (0) 24,709,372 Property, plant, and equipment Carrying amount
[4611100] Disclosure of Notes to the financial statements - Property, Plant and Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
2023-12-31
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and equipment
[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economic Sector (breakdown) - Financial and Sharia Industry
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by ec
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Current Special mention Substandard Doubtful Loss Total Loans by collectibility Current Special mention Substandard Doubtful Loss Total Loans by collectibility
Jumlah Pinjaman berdasarkan Jumlah Pinjaman berdasarkan
Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet Lancar Dalam perhatian khusus Kurang lancar Diragukan Macet
kolektibilitas kolektibilitas
Rupiah Perindustrian 147,054,171 3,346,022 1,389,254 223,865 2,850,710 154,864,022 Rupiah Manufacturing Rupiah Perindustrian 128,108,975 2,842,823 712,845 1,372,634 1,015,900 134,053,177 Rupiah
Perdagangan, restoran dan hotel 158,487,639 3,025,986 343,151 378,470 2,263,191 164,498,437 Trading, restaurants and hotels Perdagangan, restoran dan hotel 142,795,198 2,467,940 362,647 240,335 2,088,470 147,954,590 Trading, r
Pertanian 30,681,430 155,371 3,248 87,453 119,930 31,047,432 Agriculture Pertanian 34,171,801 84,938 5,269 10,121 107,905 34,380,034
Jasa dunia usaha 131,719,461 2,483,034 25,329 22,944 126,194 134,376,962 Business services Jasa dunia usaha 113,309,622 1,378,267 5,532 15,513 202,639 114,911,573
Konstruksi 33,994,897 303,115 25,292 79,823 142,185 34,545,312 Construction Konstruksi 32,993,566 117,689 7,640 22,192 75,806 33,216,893
Pengangkutan, pergudangan dan komunikasi 24,993,376 90,244 246,557 3,352 13,171 25,346,700 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 17,691,267 54,531 1,733 2,632 24,072 17,774,235 Transportation, warehousing
Listrik, gas dan air 15,026,015 11,648 234 6,627 5,056 15,049,580 Electricity, gas and water Listrik, gas dan air 10,004,133 8,134 690 0 3,451 10,016,408
Jasa sosial 11,174,243 110,908 9,808 19,968 11,594 11,326,521 Social services Jasa sosial 10,675,812 56,010 1,605 5,069 39,497 10,777,993
Pertambangan 12,802,808 16,354 0 31 1,684 12,820,877 Mining Pertambangan 3,795,309 51,678 7 0 8,746 3,855,740
Properti 0 Property Properti 0
Lain-lain 151,802,980 6,622,883 366,709 418,339 1,537,356 160,748,267 Other sectors Lain-lain 135,024,621 4,194,629 175,861 243,669 1,110,874 140,749,654
Subjumlah Pinjaman berdasarkan sektor ekonomi 717,737,020 16,165,565 2,409,582 1,240,872 7,071,071 744,624,110 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 628,570,304 11,256,639 1,273,829 1,912,165 4,677,360 647,690,297 Subtotal Loan
Mata uang asing Perindustrian 23,881,384 381,987 0 0 3,455,165 27,718,536 Foreign currencies Manufacturing Mata uang asing Perindustrian 23,331,369 371,344 0 2,748,401 785,198 27,236,312 Foreign currencies
Perdagangan, restoran dan hotel 6,269,049 322,417 0 0 21,645 6,613,111 Trading, restaurants and hotels Perdagangan, restoran dan hotel 6,724,704 26,555 399,656 0 1,739 7,152,654 Trading, r
Pertanian 4,092,181 0 0 0 0 4,092,181 Agriculture Pertanian 5,621,573 0 0 0 0 5,621,573
Jasa dunia usaha 2,796,647 0 0 0 0 2,796,647 Business services Jasa dunia usaha 2,291,864 0 0 0 0 2,291,864
Konstruksi 3,457 0 0 0 0 3,457 Construction Konstruksi 3,014 0 0 0 0 3,014
Pengangkutan, pergudangan dan komunikasi 2,800,131 0 0 0 0 2,800,131 Transportation, warehousing and communications Pengangkutan, pergudangan dan komunikasi 3,108,711 0 0 0 0 3,108,711 Transportation, warehousing
Listrik, gas dan air 917,212 0 0 0 0 917,212 Electricity, gas and water Listrik, gas dan air 1,656,768 0 0 0 0 1,656,768
Jasa sosial 18,355 0 0 0 0 18,355 Social services Jasa sosial 23,906 0 0 0 0 23,906
Pertambangan 2,612,974 0 0 0 0 2,612,974 Mining Pertambangan 151,423 0 0 0 0 151,423
Properti 0 Property Properti 0
Lain-lain 0 0 0 0 0 0 Other sectors Lain-lain 0 0 0 0 0 0
Subjumlah Pinjaman berdasarkan sektor ekonomi 43,391,390 704,404 0 0 3,476,810 47,572,604 Subtotal Loans by economic sector Subjumlah Pinjaman berdasarkan sektor ekonomi 42,913,332 397,899 399,656 2,748,401 786,937 47,246,225 Subtotal Loan
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor Jumlah pinjaman, kotor
Total loans, gross Total loans, gross
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 761,128,410 16,869,969 2,409,582 1,240,872 10,547,881 792,196,714 Subtotal on all Currencies Subtotal Loans by economic sector Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi 671,483,636 11,654,538 1,673,485 4,660,566 5,464,297 694,936,522 Subtotal on all Currencies
2023-12-31
Pinjaman berdasarkan sektor ekonomi Loans by economic sector Pinjaman berdasarkan sektor ekonomi Loans by economic sector
Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector Jumlah pinjaman berdasarkan sektor ekonomi Total loans by economic sector
Jumlah pinjaman, kotor 761,128,410 16,869,969 2,409,582 1,240,872 10,547,881 792,196,714 Total loans, gross Jumlah pinjaman, kotor 671,483,636 11,654,538 1,673,485 4,660,566 5,464,297 694,936,522 Total loans, gross
Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 18,670,105 ) ( 4,842,214 ) ( 1,571,824 ) ( 536,464 ) ( 7,688,268 ) ( 33,308,875 ) Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada pinjaman yang diberikan ( 22,383,370 ) ( 3,813,422 ) ( 932,699 ) ( 3,237,333 ) ( 3,580,694 ) ( 33,947,518 ) Allowance for impairment losses for loans
Jumlah pinjaman, bersih 742,458,305 12,027,755 837,758 704,408 2,859,613 758,887,839 Total loans, net Jumlah pinjaman, bersih 649,100,266 7,841,116 740,786 1,423,233 1,883,603 660,989,004 Total loans, net
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information - Financial and Sharia Industry
Informasi penting lainnya Loans other information

2023-12-31 2022-12-31
Informasi penting lainnya Loans other information
Tingkat suku bunga rata-rata (yield) dan kisaran bagi hasil per tahun Annual average yield rate and indicative profit sharing
Tingkat suku bunga rata-rata per tahun Annual yield rate
Tingkat suku bunga rata-rata per tahun rupiah 0.0763 0.0735 Annual yield rate of rupiah loans
Tingkat suku bunga rata-rata per tahun mata uang asing 0.0554 0.0373 Annual yield rate of foreign currencies loans
Kisaran bagi hasil per tahun Annual indicative profit sharing
Kisaran bagi hasil per tahun piutang murabahan dan istishna Indicative profit sharing of murabahah and istishna receivables
Kisaran bagi hasil per tahun pembiayaan musyarakah Indicative profit sharing of musyarakah financing
Kisaran bagi hasil per tahun pembiayaan syariah lainnya Indicative profit sharing of other sharia financing
Cadangan kerugian penurunan nilai Movement of allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, awal periode 33,947,518 32,199,727 Allowance for impairment of losses, beginning period
Pembentukan selama tahun berjalan 1,910,139 4,512,020 Provision during the year of allowance for impairment losses on loans
Penghapusbukuan ( 2,500,255 ) ( 3,171,107 ) Writing off of allowance for impairment losses on loans
Pemulihan pinjaman yang telah dihapusbukukan 0 0 Recoveries of written-off of allowance for impairment losses on loans
Cadangan lain-lain 0 0 Others allowance for impairment losses on loans
Dampak selisih akibat perbedaan kurs terhadap cadangan kerugian penurunan nilai pinjaman diberikan ( 48,527 ) 406,878 Foreign exchange translation impact on allowance for impairment losses on loans
Cadangan kerugian penurunan nilai, akhir periode 33,308,875 33,947,518 Allowance for impairment of losses, ending period
Rasio pinjaman Loan ratios
Non-performing financing - gross 0.01863 0.01707 Non-performing financing - gross
Non-performing financing - net 0.00578 0.00585 Non-performing financing - net
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Pihak berelasi Rupiah 1,807,701 Rupiah Related parties Current accounts Giro Pihak berelasi Rupiah 1,485,805 Rupiah Related parties Current accounts
Mata uang asing 101,484 Foreign currencies Mata uang asing 303,917 Foreign currencies
Subjumlah Seluruh Mata Uang 1,909,185 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 1,789,722 Subtotal on all Currencies
Pihak ketiga Rupiah 308,259,964 Rupiah Third parties Pihak ketiga Rupiah 281,790,599 Rupiah Third parties
Mata uang asing 36,245,544 Foreign currencies Mata uang asing 38,278,214 Foreign currencies
Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah demand deposits
Mata uang asing Foreign currencies Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah Third parties Pihak ketiga Rupiah Rupiah Third parties
2023-12-31
Giro dan giro wadiah Current accounts and wadiah demand deposits Giro dan giro wadiah Current accounts and wadiah demand deposits
Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 346,414,693 Subtotal on all Currencies Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 321,858,535 Subtotal on all Currencies Subtotal on all Parties Current accounts
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Pihak berelasi Rupiah 188,935 Rupiah Related parties Savings deposits Tabungan Pihak berelasi Rupiah 145,509 Rupiah Related parties Savings deposits
Subjumlah Seluruh Mata Uang 272,759 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 240,122 Subtotal on all Currencies
Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah Rupiah Related parties Wadiah savings deposits
2023-12-31
Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits Tabungan dan tabungan wadiah Savings deposits and wadiah savings deposits
Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 534,087,212 Subtotal on all Currencies Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 522,457,668 Subtotal on all Currencies Subtotal on all Parties Savings deposits
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakdown) - Financial and Sharia Industry
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Pihak berelasi Rupiah 435,527 Rupiah Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah 368,206 Rupiah Related parties Time deposits
Subjumlah Seluruh Mata Uang 457,293 Subtotal on all Currencies Subjumlah Seluruh Mata Uang 382,483 Subtotal on all Currencies
Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah Rupiah Related parties Wakalah deposits
2023-12-31
Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits Deposito berjangka dan deposito wakalah Time deposits and wakalah deposits
Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 210,264,902 Subtotal on all Currencies Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang 186,135,580 Subtotal on all Currencies Subtotal on all Parties Time deposits
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds - Financial and Sharia Industry
2023-12-31
Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds Tingkat bunga rata-rata per tahun dana pihak ketiga Annual average interest rate third party funds
Tingkat bunga giro Rupiah 0.00760638029025308 Rupiah Current accounts interest rate Tingkat bunga giro Rupiah 0.0074 Rupiah Current accounts interest rate
Mata uang asing 0.003424029019070543 Foreign currencies Mata uang asing 0.0008 Foreign currencies
Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand deposits return Imbal hasil giro wadiah Rupiah Rupiah Wadiah demand deposits return
Tingkat bunga tabungan Rupiah 0.0009928531772932256 Rupiah Savings deposits interest rate Tingkat bunga tabungan Rupiah 0.0005 Rupiah Savings deposits interest rate
Imbal hasil tabungan wadiah Rupiah Rupiah Wadiah savings deposits return Imbal hasil tabungan wadiah Rupiah Rupiah Wadiah savings deposits return
Tingkat bunga deposito berjangka Rupiah 0.034060024300742064 Rupiah Time deposits interest rate Tingkat bunga deposito berjangka Rupiah 0.0197 Rupiah Time deposits interest rate
Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return Imbal hasil deposito wakalah Rupiah Rupiah Wakalah deposits return
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia Industry
Pendapatan bunga dan syariah Interest and sharia income

2023-12-31 2022-12-31
Pendapatan bunga dan syariah Interest and sharia income
Pendapatan bunga Interest income
Kredit yang diberikan 54,143,689 46,157,245 Loans interest income
Obligasi pemerintah Government bonds interest income
Pendapatan pembiayaan konsumen 3,266,996 2,847,581 Consumer financing receivables - net interest income
Efek-efek 26,757,480 20,404,110 Marketable securities income
Penempatan pada Bank Indonesia dan bank lain 1,164,150 1,338,193 Placements with Bank Indonesia and other banks income
Lain-lain 1,210,270 813,477 Other interest income
Subjumlah pendapatan bunga 86,542,585 71,560,606 Subtotal interest income
Pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib Sharia income
Pendapatan keuntungan murabahah dan pendapatan bersih istishna 0 0 Murabahah and istishna income
Pendapatan bagi hasil musyarakah 0 0 Musyrakah profit sharing
Pendapatan bagi hasil mudharabah 0 0 Mudharabah profit sharing
Pendapatan ujrah dari pinjaman qardh 0 0 Ujrah income from qardh financing
Pendapatan bersih ijarah 0 0 Ijarah income
Lain-lain 855,189 680,585 Other sharia income
Subjumlah pendapatan syariah dan pendapatan pengelolaan dana oleh bank sebagai mudharib 855,189 680,585 Subtotal sharia income
Jumlah pendapatan bunga dan syariah 87,397,774 72,241,191 Total interest and sharia income
[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Sharia Industry
Beban bunga dan syariah Interest and sharia expense

2023-12-31 2022-12-31
Beban bunga dan syariah Interest and sharia expense
Beban bunga Interest expense
Deposito berjangka 6,567,780 3,526,592 Time deposits interest expense
Tabungan 560,965 253,623 Saving deposits interest expense
Pinjaman yang diterima 66,961 30,538 Borrowings interest expense
Premi penjaminan dana pihak ketiga 2,222,965 2,058,533 Premium on third party fund guarantees
Giro 2,453,997 2,104,439 Current accounts interest expense
Efek-efek yang diterbitkan 38,913 70,285 Securities issued interest expense
Pinjaman dan efek-efek subordinasi Subordinated securities interest expense
Lain-lain 43,337 27,103 Others interest expense interest expense
Subjumlah beban bunga 11,954,918 8,071,113 Subtotal interest expense
Beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer Sharia expense
Beban deposito mudharabah Mudharabah deposits expense
Beban tabungan mudharabah Mudharabah savings expense
Beban giro mudharabah Mudharabah demand deposits expense
Beban pinjamam mudharabah Mudharabah financing expense
Beban investasi terikat Related investment expense
Musytarakah - mudharabah musytarakah Musytarakah - mudharabah musytarakah expense
Sertifikat investasi mudharabah antarbank Mudharabah investment certificate expense
Sukuk Sukuk expense
Piutang murabahah Murabahah receivables expense
Pinjaman qardh Qardh fund expense
Lain-lain 314,034 180,569 Other sharia expense
Subjumlah beban syariah dan hak pihak ketiga atas bagi hasil dana syirkah temporer 314,034 180,569 Subtotal sharia expense
Jumlah beban bunga dan syariah 12,268,952 8,251,682 Total interest and sharia expense
[4695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakdown) - Financial and Sharia Industry
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang lainnya Other currency Mata uang lainnya Other currency
Mata uang 0 0 Currency Mata uang 0 0 Currency
Bank Rakyat Indonesia (Persero) Tbk IDR 50,000 Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang 0 50,000 Currency Mata uang 0 0 Currency
Bank Mandiri (Persero) Tbk IDR 0 Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR 0 Bank Mandiri (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR Bank Permata Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR Bank Mega Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Danamon Indonesia Tbk IDR 0 Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR 0 0 Bank Danamon Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Pan Indonesia Tbk IDR 0 0 Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR 0 4,570 Bank Pan Indonesia Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang 0 0 Currency Mata uang 0 4,570 Currency
Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Btpn Tbk IDR 380,000 Bank Btpn Tbk IDR Bank Btpn Tbk IDR Bank Btpn Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang 0 380,000 Currency Mata uang 0 0 Currency
Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan Banten Tbk IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Pinjaman sindikasi IDR Syndicated bank loans IDR Pinjaman sindikasi IDR Syndicated bank loans IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Bank asing lainnya IDR Other foreign banks IDR Bank asing lainnya IDR Other foreign banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD 24 373,028 USD USD 32 490,823 USD
Mata uang 24 373,028 Currency Mata uang 32 490,823 Currency
Bank lokal lainnya IDR 826,598 Other local banks IDR Bank lokal lainnya IDR 0 821,558 Other local banks IDR
AUD AUD AUD AUD
CAD CAD CAD CAD
CNY CNY CNY CNY
EUR EUR EUR EUR
HKD HKD HKD HKD
GBP GBP GBP GBP
JPY JPY JPY JPY
SGD SGD SGD SGD
THB THB THB THB
USD USD USD USD
Mata uang 0 826,598 Currency Mata uang 0 821,558 Currency
2023-12-31
Catatan pinjaman Notes for borrowings Catatan pinjaman Notes for borrowings
Catatan pinjaman [baris komponen] Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman Pinjaman dalam mata uang asing Pinjaman
Kreditur nama bank Mata uang 24 1,629,626 Creditor bank name Currency Kreditur nama bank Mata uang 32 1,316,951 Creditor bank name Currency

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FinancialStatement 2023 Tahunan BBCA

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Nomor Surat 003/ACT/2024

Nama Emiten PT Bank Central Asia Tbk.

A. Informasi mengenai anak perusahaan Perseroan sebagai berikut :

B. Laporan Rasio Keuangan

No Rasio 31 Desember 2023 31 Desember 2022

No Rasio 31 Desember 2023 31 Desember 2022

Depresiasi dan Amortisasi

No Rasio Mata Uang Satuan 31 Desember 31 Desember

Informasi umum General information

Laporan posisi keuangan Statement of financial position

Laporan perubahan ekuitas

Laporan perubahan ekuitas

Laporan arus kas Statement of cash flows

Kebijakan akuntansi signifikan Significant accounting policies

Prinsip-prinsip konsolidasi Principles of consolidation

Kas dan setara kas Cash and cash equivalents

Aset tetap Fixed assets

Penurunan nilai aset nonkeuangan Impairment of non-financial assets

Beban tangguhan Deferred charges

Pengakuan pendapatan dan beban Revenue and expense recognition

Penjabaran mata uang asing Foreign currency translation

Transaksi dengan pihak berelasi Transactions with related parties

Pajak penghasilan Income taxes

Imbalan kerja karyawan Employee benefits

Laba per saham Earnings per share

Pelaporan segmen Segment reporting

Instrumen keuangan derivatif Derivative financial instruments

Kombinasi bisnis Business combination

Penentuan nilai wajar Determination of fair value

Aset hak guna Right of use assets

Properti investasi Investment properties

Investasi pada entitas asosiasi Investment in associates

Aset takberwujud Intangible assets

Beban dibayar dimuka Prepaid expenses

Piutang dan utang asuransi Insurance receivables and payables

Piutang pembiayaan konsumen Consumer financing receivables

Liabilitas atas kontrak Contract liabilities

Obligasi subordinasi Subordinated bonds

Saham treasuri Treasury stock

Modal saham Share capital

Pengaturan pembayaran berbasis saham Share-based payment arrangement

Biaya emisi efek ekuitas Stock issuance cost

Instrumen keuangan Financial instruments

Peristiwa setelah tanggal periode pelaporan Events after reporting period

Penerapan standar akuntansi baru Adoption of new accounting standards

Utang pembiayaan konsumen Consumer financing liabilities

Aset tetap Property, plant, and equipment

Aset tetap Property, plant, and equipment

Aset tetap Property, plant, and equipment

Aset tetap Property, plant, and equipment

Informasi penting lainnya Loans other information

Pendapatan bunga dan syariah Interest and sharia income

Beban bunga dan syariah Interest and sharia expense

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