FinancialStatement 2023 Tahunan BMRI

[1000000] General information
Informasi umum General information

CurrentYearInstant
Informasi umum General information
Nama entitas PT Bank Mandiri (Persero) Tbk Entity name
Penjelasan perubahan nama dari akhir Explanation of change in name from the
periode laporan sebelumnya end of the preceding reporting period
Kode entitas BMRI Entity code
Nomor identifikasi entitas AA416 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial Entity main industry
and Sharia
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 Type of entity
Jurisdiction
Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Type of listed securities
Bond
Jenis papan perdagangan tempat entitas Utama / Main Type of board on which the entity is listed
tercatat
Apakah merupakan laporan keuangan Entitas grup / Group entity Whether the financial statements are of an
satu entitas atau suatu kelompok entitas individual entity or a group of entities
Periode penyampaian laporan keuangan Tahunan / Annual Period of financial statements submissions
Tanggal Surat Pernyataan Direksi Date Of Board Of Directors' Statement

Letter
Tanggal awal periode berjalan 2023-01-01 Current period start date
Tanggal akhir periode berjalan 2023-12-31 Current period end date
Tanggal akhir tahun sebelumnya 2022-12-31 Prior year end date
Tanggal awal periode sebelumnya 2022-01-01 Prior period start date
Tanggal akhir periode sebelumnya 2022-12-31 Prior period end date
Tanggal akhir 2 tahun sebelumnya 2021-12-31 Prior 2 year end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan Conversion rate at reporting date if
jika mata uang penyajian selain rupiah presentation currency is other than rupiah
Pembulatan yang digunakan dalam Jutaan / In Million Level of rounding used in financial
penyajian jumlah dalam laporan statements
keuangan
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Modifikasian / Type of auditor's opinion
Unqualified
Hal yang diungkapkan dalam paragraf Matters disclosed in emphasis-of-matter or
pendapat untuk penekanan atas suatu other-matter paragraph, if any
masalah atau paragraf penjelasan
lainnya, jika ada
Hasil penugasan review Result of review engagement
Opini Hal Audit Utama Ya / Yes Any Key Audit Matters Opinion
Jumlah Hal Audit Utama 3 Total Key Audit Matters
Paragraf Hal Audit Utama 1. Cadangan kerugian penurunan Key Audit Matters Paragraph
nilai atas kredit yang diberikan dan
piutang/pembiayaan syariah
2. Pengoperasian dan
pengendalian atas sistem Teknologi
Informasi (TI) pelaporan keuangan
3. Estimasi atas
liabilitas kepada pemegang polis
Tanggal laporan audit atau hasil laporan 2024-01-31 Date of auditor's opinion or result of review
review report
Auditor tahun berjalan Tanudiredja, Wibisana, Rintis & Current year auditor
Rekan
Nama partner audit tahun berjalan Lucy Luciana Suhenda Name of current year audit signing partner
Lama tahun penugasan partner yang Number of years served as audit signing
menandatangani partner
Auditor tahun sebelumnya Tanudiredja, Wibisana, Rintis, & Prior year auditor
Rekan
Nama partner audit tahun sebelumnya Lucy Luciana Suhenda Name of prior year audit signing partner
Kepatuhan terhadap pemenuhan Ya / Yes Whether in compliance with OJK rules No.
peraturan OJK Nomor: 75/POJK.04/2017 75/POJK.04/2017 concerning
tentang Tanggung Jawab Direksi Atas responsibilities of board of directors on
Laporan Keuangan financial statements
Kepatuhan terhadap pemenuhan Ya / Yes Compliance to the independency of
independensi akuntan yang memberikan Accountant that provide services in Capital
jasa audit di pasar modal sesuai dengan Market as regulated in OJK rules No.
POJK Nomor 13/POJK.03/2017 tentang 13/POJK.03/2017 concerning The Use of
Penggunaan Jasa Akuntan Publik dalam Public Accountant and Auditing Firm in
Kegiatan Jasa Keuangan Financial Services Activities.
[4220000] Statement of financial position presented using order of liquidity - Financial and Sha
Laporan posisi keuangan Statement of fina

CurrentYearInstant PriorEndYearInstant
Laporan posisi keuangan
Aset
Kas 26,431,740,000,000 27,212,759,000,000
Dana yang dibatasi penggunaannya
Giro pada Bank Indonesia 108,605,322,000,000 107,349,158,000,000
Giro pada bank lain
Giro pada bank lain pihak ketiga 36,144,993,000,000 47,699,252,000,000
Giro pada bank lain pihak berelasi 461,097,000,000 110,733,000,000
Cadangan kerugian penurunan nilai (32,205,000,000) (20,285,000,000)

pada giro pada bank lain
Penempatan pada Bank Indonesia
dan bank lain
Penempatan pada Bank Indonesia 71,838,685,000,000 92,243,984,000,000
dan bank lain pihak ketiga
dan bank lain pihak berelasi
Cadangan kerugian penurunan nilai (957,000,000) (3,601,000,000)
pada penempatan pada bank lain
Piutang asuransi
Piutang asuransi pihak ketiga
Piutang asuransi pihak berelasi
Cadangan kerugian penurunan nilai
pada piutang asuransi
Biaya akuisisi tangguhan
Deposito pada lembaga kliring dan
penjaminan
Efek-efek yang diperdagangkan
Efek-efek yang diperdagangkan 70,921,977,000,000 55,550,432,000,000
pihak ketiga
Efek-efek yang diperdagangkan 23,774,139,000,000 27,290,577,000,000
pihak berelasi
pada efek-efek yang diperdagangkan
Investasi pemegang polis pada

kontrak unit-linked
Efek yang dibeli dengan janji dijual 22,692,928,000,000 11,705,989,000,000
kembali
Wesel ekspor dan tagihan lainnya
Wesel ekspor dan tagihan lainnya 18,463,040,000,000 18,635,645,000,000
pihak ketiga
Wesel ekspor dan tagihan lainnya 7,581,513,000,000 15,157,619,000,000
pihak berelasi
Cadangan kerugian penurunan nilai (1,494,653,000,000) (1,604,705,000,000)
pada wesel ekspor dan tagihan
lainnya
Tagihan akseptasi
Tagihan akseptasi pihak ketiga 12,543,461,000,000 9,884,072,000,000
Tagihan akseptasi pihak berelasi 2,250,427,000,000 1,897,509,000,000
pada tagihan akseptasi
Tagihan derivatif
Tagihan derivatif pihak ketiga 1,796,775,000,000 2,141,933,000,000
Tagihan derivatif pihak berelasi 198,156,000,000 110,208,000,000
Pinjaman yang diberikan
Pinjaman yang diberikan pihak ketiga 1,121,751,175,000,000 973,214,336,000,000
Pinjaman yang diberikan pihak 238,081,020,000,000 199,385,546,000,000

berelasi
pada pinjaman yang diberikan
Piutang dari lembaga kliring dan
penjaminan
Piutang nasabah
Piutang nasabah pihak ketiga
Piutang nasabah pihak berelasi

pada piutang nasabah
Piutang murabahah
Piutang murabahah pihak ketiga
Piutang murabahah pihak berelasi
pada piutang murabahah
Piutang istishna
Piutang istishna pihak ketiga
Piutang istishna pihak berelasi
pada piutang istishna
Piutang ijarah
Piutang ijarah pihak ketiga
Piutang ijarah pihak berelasi
pada piutang ijarah
Piutang pembiayaan konsumen
Piutang pembiayaan konsumen 32,738,254,000,000 23,749,881,000,000
pihak ketiga
Piutang pembiayaan konsumen 11,542,000,000 7,846,000,000
pihak berelasi
pada piutang pembiayaan konsumen
Pinjaman qardh
Pinjaman qardh pihak ketiga
Pinjaman qardh pihak berelasi
pada pinjaman qardh
Pembiayaan mudharabah
Pembiayaan mudharabah pihak
ketiga
Pembiayaan mudharabah pihak
berelasi
pada pembiayaan mudharabah
Pembiayaan musyarakah
Pembiayaan musyarakah pihak
ketiga
Pembiayaan musyarakah pihak
berelasi
pada pembiayaan musyarakah
Investasi sewa
Investasi sewa pihak ketiga 6,345,951,000,000 6,761,548,000,000
Investasi sewa pihak berelasi (28,009,000,000) (102,811,000,000)
Investasi sewa nilai residu yang 2,672,995,000,000 2,551,829,000,000
terjamin
Investasi sewa pendapatan (828,700,000,000) (786,177,000,000)
pembiayaan tangguhan
Investasi sewa simpanan jaminan (2,672,995,000,000) (2,551,829,000,000)
pada investasi sewa
Tagihan anjak piutang
Tagihan anjak piutang pihak ketiga
Tagihan anjak piutang pihak berelasi
Tagihan anjak piutang pada

pendapatan anjak piutang tangguhan

pada tagihan anjak piutang
Piutang lainnya
Piutang lainnya pihak ketiga
Piutang lainnya pihak berelasi
pada piutang lainnya
Aset keuangan lainnya
Obligasi pemerintah 309,182,971,000,000 329,211,764,000,000
Aset tidak lancar atau kelompok
lepasan diklasifikasikan sebagai
dimiliki untuk dijual
Aset tidak lancar atau kelompok
lepasan diklasifikasikan sebagai
dimiliki untuk didistribusikan kepada
pemilik
Uang muka
Biaya dibayar dimuka 2,719,789,000,000 1,895,503,000,000
Jaminan
Pajak dibayar dimuka 436,532,000,000 1,164,925,000,000
Klaim atas pengembalian pajak
Aset pajak tangguhan 10,179,244,000,000 12,045,479,000,000
Investasi yang dicatat dengan
menggunakan metode ekuitas
Investasi pada ventura bersama dan
entitas asosiasi
Investasi pada entitas ventura
bersama
Investasi pada entitas asosiasi 1,827,364,000,000 2,688,954,000,000
Aset reasuransi
Aset imbalan pasca kerja
Goodwill 787,466,000,000 787,466,000,000
Aset takberwujud selain goodwill 5,087,132,000,000 4,306,143,000,000
Properti investasi
Aset ijarah
Aset tetap
Aset hak guna
Aset pengampunan pajak
Agunan yang diambil alih 1,112,684,000,000 1,145,931,000,000
Aset lainnya 36,765,737,000,000 27,551,713,000,000
Jumlah aset 2,174,219,449,000,000 1,992,544,687,000,000
Liabilitas, dana syirkah temporer dan
ekuitas
Liabilitas
Liabilitas segera 4,484,956,000,000 4,056,029,000,000
Bagi hasil yang belum dibagikan
Dana simpanan syariah
Simpanan nasabah
Giro
Giro pihak ketiga 385,721,324,000,000 361,830,544,000,000
Giro pihak berelasi 166,637,832,000,000 157,247,418,000,000
Giro wadiah
Giro wadiah pihak ketiga
Giro wadiah pihak berelasi
Tabungan
Tabungan pihak ketiga 501,750,948,000,000 473,631,868,000,000
Tabungan pihak berelasi 7,540,541,000,000 6,850,898,000,000
Tabungan wadiah
Tabungan wadiah pihak ketiga
Tabungan wadiah pihak berelasi
Deposito berjangka
Deposito berjangka pihak ketiga 254,944,523,000,000 265,349,216,000,000
Deposito berjangka pihak 34,852,981,000,000 30,665,985,000,000

berelasi
Deposito wakalah
Deposito wakalah pihak ketiga
Deposito wakalah pihak berelasi
Simpanan dari bank lain

Simpanan dari bank lain pihak 668,258,000,000 641,268,000,000
berelasi
Simpanan dari bank lain pihak 17,016,522,000,000 14,206,141,000,000
ketiga
Efek yang dijual dengan janji untuk 36,330,064,000,000 24,325,475,000,000
dibeli kembali
Liabilitas derivatif
Liabilitas derivatif pihak ketiga 2,037,449,000,000 2,039,836,000,000
Liabilitas derivatif pihak berelasi 76,404,000,000 86,933,000,000
Utang asuransi
Utang koasuransi
Liabilitas kepada pemegang polis 29,194,702,000,000 29,710,227,000,000
unit-linked
Utang bunga
Liabilitas akseptasi
Liabilitas akseptasi pihak berelasi 2,614,261,000,000 1,750,123,000,000
Liabilitas akseptasi pihak ketiga 12,179,627,000,000 10,031,458,000,000

Utang usaha
Uang muka dan angsuran
Utang dividen
Utang dealer
Pinjaman yang diterima
Pinjaman yang diterima pihak 93,679,835,000,000 60,629,414,000,000
ketiga
Pinjaman yang diterima pihak 1,765,624,000,000 2,210,704,000,000
berelasi
Pinjaman yang diterima utang
pada lembaga kliring dan
penjaminan
Efek yang diterbitkan
Utang obligasi 50,517,764,000,000 45,774,139,000,000
Sukuk
Obligasi subordinasi
Surat utang jangka menengah
Efek yang diterbitkan lainnya
Liabilitas kontrak asuransi
Utang perusahaan efek
Provisi 286,081,000,000 323,365,000,000
Liabilitas atas kontrak
Pendapatan ditangguhkan
Liabilitas sewa pembiayaan
Estimasi kerugian komitmen dan 1,143,758,000,000 2,073,429,000,000
kontinjensi
Beban akrual 4,799,446,000,000 6,493,794,000,000
Utang pajak 2,690,902,000,000 3,590,522,000,000
Liabilitas pajak tangguhan
Liabilitas pengampunan pajak
Liabilitas lainnya 37,399,213,000,000 27,336,753,000,000
Kewajiban imbalan pasca kerja 11,894,629,000,000 12,607,759,000,000
Pinjaman subordinasi
Pinjaman subordinasi pihak ketiga 205,171,000,000 546,333,000,000
Pinjaman subordinasi pihak 10,000,000,000 87,000,000,000

berelasi
Jumlah liabilitas 1,660,442,815,000,000 1,544,096,631,000,000
Dana syirkah temporer
Bukan bank
Giro mudharabah
Giro mudharabah pihak ketiga 14,779,396,000,000 9,020,856,000,000
Giro berjangka mudharabah 17,574,469,000,000 13,702,232,000,000
pihak berelasi
Tabungan mudharabah
Tabungan mudharabah pihak 77,508,409,000,000 72,183,636,000,000
ketiga
Tabungan mudharabah pihak 191,661,000,000 86,070,000,000
berelasi
Deposito berjangka mudharabah
Deposito berjangka mudharabah 87,541,044,000,000 82,418,193,000,000
pihak ketiga
Deposito berjangka mudharabah 27,906,491,000,000 17,857,676,000,000
pihak berelasi
Bank
Giro mudharabah 63,394,000,000 31,880,000,000
Tabungan mudharabah (ummat) 580,115,000,000 627,646,000,000
Deposito berjangka mudharabah 136,693,000,000 274,412,000,000
Efek yang diterbitkan bank
Investasi mudharabah antar bank
Sukuk mudharabah
Sukuk mudharabah subordinasi
Jumlah dana syirkah temporer 226,281,672,000,000 196,202,601,000,000
Jumlah akumulasi dana tabarru
Ekuitas
Ekuitas yang diatribusikan kepada
pemilik entitas induk
Saham biasa 11,666,667,000,000 11,666,667,000,000
Saham preferen
Tambahan modal disetor 17,643,264,000,000 17,643,264,000,000
Saham treasuri
Uang muka setoran modal
Opsi saham
Penjabaran laporan keuangan
Cadangan revaluasi 34,716,693,000,000 34,716,693,000,000
Cadangan selisih kurs penjabaran (146,299,000,000) (60,427,000,000)
Cadangan perubahan nilai wajar (1,837,760,000,000) (2,768,553,000,000)

aset keuangan nilai wajar melalui
pendapatan komprehensif lainnya
Cadangan keuntungan (kerugian)

investasi pada instrumen ekuitas
Cadangan pembayaran berbasis
saham
Cadangan lindung nilai arus kas 1,429,000,000 (3,156,000,000)
Cadangan pengukuran kembali 1,517,183,000,000 1,510,016,000,000
program imbalan pasti
Cadangan lainnya 85,052,000,000 85,052,000,000
Selisih Transaksi Perubahan
Ekuitas Entitas Anak/Asosiasi
Komponen ekuitas lainnya (97,202,000,000) (97,202,000,000)
Saldo laba (akumulasi kerugian)
Saldo laba yang telah ditentukan
penggunaanya
Cadangan umum dan wajib 2,333,333,000,000 2,333,333,000,000
Cadangan khusus 3,046,935,000,000 3,046,935,000,000
Saldo laba yang belum 191,923,489,000,000 161,606,164,000,000
ditentukan penggunaannya
Jumlah ekuitas yang diatribusikan 260,852,784,000,000 229,678,786,000,000
kepada pemilik entitas induk
Proforma ekuitas
Kepentingan non-pengendali 26,642,178,000,000 22,566,669,000,000
Jumlah ekuitas 287,494,962,000,000 252,245,455,000,000
Jumlah liabilitas, dana syirkah 2,174,219,449,000,000 1,992,544,687,000,000
temporer dan ekuitas
- Financial and Sharia Industry
Statement of financial position
Statement of financial position

Assets
Cash
Restricted funds
Current accounts with Bank Indonesia
Current accounts with other banks
Current accounts with other banks third
parties
Current accounts with other banks related
parties
Allowance for impairment losses for
current accounts with other bank
Placements with Bank Indonesia and other
banks
banks third parties
banks related parties
placements with other banks
Insurance receivables
Insurance receivables third parties
Insurance receivables related parties
insurance receivables
Deferred acquisition costs
Deposits to clearing and settlement
guarantee institution
Marketable securities
Marketable securities third parties
Marketable securities related parties

marketable securities
Investments of policyholder in unit-linked

contracts
Securities purchased under agreement to
resale
Bills and other receivables
Bills and other receivables third parties
Bills and other receivables related parties
Allowance for impairment losses for bills

and other receivables
Acceptance receivables
Acceptance receivables third parties
Acceptance receivables related parties
acceptance receivables
Derivative receivables
Derivative receivables third parties
Derivative receivables related parties
Loans
Loans third parties
Loans related parties
Allowance for impairment losses for loans
Receivables from clearing and settlement

Receivables from customers
Receivables from customers third parties
Receivables from customers related
parties
receivables from customers
Murabahah receivables
Murabahah receivables third parties
Murabahah receivables related parties
murabahah receivables
Istishna receivables
Istishna receivables third parties
Istishna receivables related parties
istishna receivables
Ijarah receivables
Ijarah receivables third parties
Ijarah receivables related parties
Allowance for impairment losses for ijarah
receivables
Consumer financing receivables
Consumer financing receivables third
parties
Consumer financing receivables related
parties
consumer financing receivables
Qardh funds
Qardh funds third parties
Qardh funds related parties
Allowance for impairment losses for qardh
funds
Mudharabah financing
Mudharabah financing third parties
Mudharabah financing related parties

mudharabah financing
Musyarakah financing
Musyarakah financing third parties
Musyarakah financing related parties

musyarakah financing
Lease investments
Lease investments third parties
Lease investments related parties
Lease investments guaranteed residual
value
Lease investments deferred financing
income
Lease investments guarantee deposits
Allowance for impairment losses for lease
investments
Factoring receivables
Factoring receivables third parties
Factoring receivables related parties
Factoring receivables on deferred factoring

income

factoring receivables
Other receivables
Other receivables third parties
Other receivables related parties
Allowance for impairment losses for other
receivables
Other financial assets
Government bonds
Non-current assets or disposal groups
classified as held-for-sale
Non-current assets or disposal groups

classified as held-for-distribution to owners
Advances
Prepaid expenses
Guarantees
Prepaid taxes
Claims for tax refund
Deferred tax assets
Investments accounted for using equity
method
Investments in joint ventures and
associates
Investments in joint ventures
Investments in associates
Reinsurance assets
Post-employment benefit assets
Goodwill
Intangible assets other than goodwill
Investment properties
Ijarah assets
Property, plant, and equipment
Right of use assets
Tax amnesty assets
Foreclosed assets
Other assets
Total assets
Liabilities, temporary syirkah funds and
equity
Liabilities
Obligations due immediately
Undistributed profit sharing
Sharia deposits
Customers deposits
Current accounts
Current accounts third parties
Current accounts related parties
Wadiah demand deposits
Wadiah demand deposits third parties
Wadiah demand deposits related parties
Savings
Savings third parties
Savings related parties
Wadiah savings
Wadiah savings third parties
Wadiah savings related parties
Time deposits
Time deposits third parties
Time deposits related parties
Wakalah deposits
Wakalah deposits third parties
Wakalah deposits related parties
Other banks deposits

Other banks deposits related parties
Other banks deposits third parties
Securities sold with repurchase agreement

Derivative payables
Derivative payables third parties
Derivative payables related parties
Insurance payables
Coinsurance liabilities
Liabilities to policyholder in unit-linked
contracts
Interest payables
Acceptance liabilities
Acceptance liabilities related parties
Acceptance liabilities third parties

Accounts payable
Advances and installments
Dividends payable
Dealer payables
Borrowings
Borrowings third parties
Borrowings related parties
Borrowings payables to clearing and

settlement guarantee institution
Securities issued
Bonds payable
Sukuk
Subordinated bonds
Medium term notes
Others securities issued
Insurance contract liabilities
Securities company payables
Provisions
Contract liabilities
Deferred income
Finance lease liabilities
Estimated losses on commitments and
contingencies
Accrued expenses
Taxes payable
Deferred tax liabilities
Tax amnesty liabilities
Other liabilities
Post-employment benefit obligations
Subordinated loans
Subordinated loans third parties
Subordinated loans related parties
Total liabilities
Temporary syirkah funds
Non-banks
Mudharabah current account
Mudharabah current account third parties
Mudharabah current account related
parties
Mudharabah saving deposits
Mudharabah saving deposits third parties
Mudharabah saving deposits related

parties
Mudharabah time deposits
Mudharabah time deposits third parties
Mudharabah time deposits related parties
Bank
Mudharabah current account
Mudharabah saving deposits (ummat)
Mudharabah time deposits
Bank securities issued
Interbank mudharabah investments
Mudharabah sukuk
Subordinated mudharabah sukuk
Total temporary syirkah funds
Total accumulated tabarru's funds
Equity
Equity attributable to equity owners of
parent entity
Common stocks
Preferred stocks
Additional paid-in capital
Treasury stocks
Advances in capital stock
Stock options
Translation adjustment
Revaluation reserves
Reserve of exchange differences on
translation
Reserve for changes in fair value of fair
value through other comprehensive
income financial assets
Reserve of gains (losses) from

investments in equity instruments
Reserve of share-based payments
Reserve of cash flow hedges

Reserve of remeasurements of defined
benefit plans
Other reserves
Difference Due to Changes of Equity in
Subsidiary/Associates
Other components of equity
Retained earnings (deficit)
Appropriated retained earnings
General and legal reserves

Specific reserves
Unappropriated retained earnings
Total equity attributable to equity owners of

parent entity
Proforma equity
Non-controlling interests
Total equity
Total liabilities, temporary syirkah funds
and equity
[4322000] Statement of profit or loss and other comprehensive income, OCI components prese
tax, by nature - Financial and Sharia Industry
Laporan laba rugi dan penghasilan komprehensif lain Statement of profit or loss and other co
CurrentYearDuration PriorYearDuration
Laporan laba rugi dan penghasilan
komprehensif lain
Pendapatan dan beban operasional
Pendapatan bunga 132,544,470,000,000 112,382,118,000,000
Beban bunga (36,657,896,000,000) (24,478,764,000,000)
Pendapatan pengelolaan dana oleh
bank sebagai mudharib
Hak pihak ketiga atas bagi hasil dana
syirkah temporer
Pendapatan asuransi
Pendapatan dari premi asuransi 13,721,691,000,000 14,380,273,000,000
Premi reasuransi
Premi retrosesi
Penurunan (kenaikan) premi yang
belum merupakan pendapatan
Penurunan (kenaikan) pendapatan
premi disesikan kepada reasuradur
Pendapatan komisi asuransi
Pendapatan bersih investasi
Penerimaan ujrah
Pendapatan asuransi lainnya
Beban asuransi
Beban klaim (11,598,645,000,000) (11,912,575,000,000)
Klaim reasuransi
Klaim retrosesi
Kenaikan (penurunan) estimasi
liabilitas klaim
Kenaikan (penurunan) liabilitas
manfaat polis masa depan
Kenaikan (penurunan) provisi yang
timbul dari tes kecukupan liabilitas
asuransi yang disesikan kepada
reasuradur
pemegang polis pada kontrak unit-
linked
Beban komisi asuransi
Ujrah dibayar
Beban akuisisi dari kontrak asuransi
Beban asuransi lainnya

Pendapatan dari pembiayaan
Pendapatan dari pembiayaan
konsumen
Pendapatan dari sewa pembiayaan
Pendapatan dari sewa operasi
Pendapatan dari anjak piutang
Pendapatan sekuritas
Pendapatan kegiatan penjamin emisi
dan penjualan efek
Pendapatan pembiayaan transaksi
nasabah
Pendapatan jasa biro administrasi
efek
Pendapatan kegiatan jasa manajer
investasi
Pendapatan kegiatan jasa penasehat
keuangan
Keuntungan (kerugian) dari transaksi 125,295,000,000 899,579,000,000
perdagangan efek yang telah
direalisasi
Keuntungan (kerugian) perubahan
nilai wajar efek
Pendapatan operasional lainnya
Pendapatan investasi
Pendapatan provisi dan komisi dari 20,148,410,000,000 18,802,148,000,000
transaksi lainnya selain kredit
Pendapatan transaksi perdagangan 3,473,796,000,000 3,494,409,000,000
Pendapatan dividen
Keuntungan (kerugian) yang telah
direalisasi atas instrumen derivatif
Penerimaan kembali aset yang telah 12,159,217,000,000 8,051,649,000,000
dihapusbukukan
Keuntungan (kerugian) selisih kurs
mata uang asing
Keuntungan (kerugian) pelepasan
aset tetap
Keuntungan (kerugian) pelepasan
agunan yang diambil alih
Pendapatan operasional lainnya 4,741,423,000,000 3,932,497,000,000
Pemulihan penyisihan kerugian
penurunan nilai
penurunan nilai aset keuangan
penurunan nilai aset keuangan -
sewa pembiayaan
penurunan nilai aset keuangan -
piutang pembiayaan konsumen
penurunan nilai aset non-keuangan
penurunan nilai aset non-keuangan -
agunan yang diambil alih
Pemulihan penyisihan estimasi
kerugian atas komitmen dan
kontinjensi
Pembentukan kerugian penurunan
nilai
Pembentukan penyisihan kerugian (11,152,853,000,000) (16,096,382,000,000)
penurunan nilai aset produktif
Pembentukan penyisihan kerugian 85,615,000,000 (282,073,000,000)
penurunan nilai aset non-produktif
Pembalikan (beban) estimasi kerugian 918,531,000,000 255,268,000,000
komitmen dan kontijensi
Beban operasional lainnya
Beban umum dan administrasi (44,478,982,000,000) (44,069,940,000,000)
Beban penjualan
Beban sewa, pemeliharaan, dan (2,677,001,000,000) (2,674,358,000,000)
perbaikan
Beban provisi dan komisi (1,091,973,000,000) (1,191,845,000,000)
Beban operasional lainnya (5,619,535,000,000) (5,323,915,000,000)
Jumlah laba operasional 74,641,563,000,000 56,168,089,000,000
Pendapatan dan beban bukan
operasional
Pendapatan bukan operasional 43,318,000,000 209,637,000,000
Beban bukan operasional
Bagian atas laba (rugi) entitas asosiasi
yang dicatat dengan menggunakan
metode ekuitas
Bagian atas laba (rugi) entitas ventura
bersama yang dicatat menggunakan
metode ekuitas
Jumlah laba (rugi) sebelum pajak 74,684,881,000,000 56,377,726,000,000
penghasilan
Pendapatan (beban) pajak (14,633,011,000,000) (11,425,358,000,000)
Jumlah laba (rugi) dari operasi yang 60,051,870,000,000 44,952,368,000,000
dilanjutkan
Laba (rugi) dari operasi yang dihentikan
Jumlah laba (rugi) 60,051,870,000,000 44,952,368,000,000
Pendapatan komprehensif lainnya,
sebelum pajak
Pendapatan komprehensif lainnya
yang tidak akan direklasifikasi ke laba
rugi, sebelum pajak
Pendapatan komprehensif lainnya 0 4,574,057,000,000
atas keuntungan (kerugian) hasil
revaluasi aset tetap, sebelum pajak
Pendapatan komprehensif lainnya (14,912,000,000) 444,272,000,000
atas pengukuran kembali kewajiban
manfaat pasti, sebelum pajak
Penyesuaian lainnya atas
yang tidak akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif (14,912,000,000) 5,018,329,000,000
lainnya yang tidak akan direklasifikasi
ke laba rugi, sebelum pajak

yang akan direklasifikasi ke laba rugi,
sebelum pajak
Keuntungan (kerugian) selisih kurs (86,953,000,000) 36,152,000,000
penjabaran, sebelum pajak
Penyesuaian reklasifikasi selisih kurs
penjabaran, sebelum pajak
Keuntungan (kerugian) yang belum 1,125,822,000,000 (5,631,137,000,000)
direalisasi atas perubahan nilai wajar
aset keuangan melalui penghasilan
komprehensif lain, sebelum pajak
Penyesuaian reklasifikasi atas aset

keuangan nilai wajar melalui
pendapatan komprehensif lainnya,
sebelum pajak
Keuntungan (kerugian) lindung nilai 23,030,000,000 (7,002,000,000)
arus kas, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai arus kas, sebelum pajak
Nilai tercatat dari aset (liabilitas) non-

keuangan yang perolehan atau
keterjadiannya merupakan suatu
prakiraan transaksi yang
kemungkinan besar terjadi yang
dilindung nilai, sebelum pajak
Keuntungan (kerugian) lindung nilai

investasi bersih kegiatan usaha luar
negeri, sebelum pajak
Penyesuaian reklasifikasi atas
lindung nilai investasi bersih kegiatan
usaha luar negeri, sebelum pajak
Bagian pendapatan komprehensif

lainnya dari entitas asosiasi yang
dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Bagian pendapatan komprehensif
lainnya dari entitas ventura bersama
yang dicatat dengan menggunakan
metode ekuitas, sebelum pajak
Penyesuaian lainnya atas

yang akan direklasifikasi ke laba rugi,
sebelum pajak
Jumlah pendapatan komprehensif 1,061,899,000,000 (5,601,987,000,000)
lainnya yang akan direklasifikasi ke
laba rugi, sebelum pajak
Jumlah pendapatan komprehensif 1,046,987,000,000 (583,658,000,000)
lainnya, sebelum pajak
Pajak atas pendapatan komprehensif (140,898,000,000) 977,832,000,000
lainnya
Jumlah pendapatan komprehensif 906,089,000,000 394,174,000,000
lainnya, setelah pajak
Jumlah laba rugi komprehensif 60,957,959,000,000 45,346,542,000,000
Laba (rugi) yang dapat diatribusikan
Laba (rugi) yang dapat diatribusikan ke 55,060,057,000,000 41,170,637,000,000
entitas induk
Laba (rugi) yang dapat diatribusikan ke 4,991,813,000,000 3,781,731,000,000
kepentingan non-pengendali
Laba rugi komprehensif yang dapat
diatribusikan
Laba rugi komprehensif yang dapat 55,916,730,000,000 41,604,619,000,000
diatribusikan ke entitas induk
Laba rugi komprehensif yang dapat 5,041,229,000,000 3,741,923,000,000
diatribusikan ke kepentingan non-
pengendali
Laba (rugi) per saham
Laba per saham dasar diatribusikan
kepada pemilik entitas induk
Laba (rugi) per saham dasar dari 589.93000 441.26000
operasi yang dilanjutkan
Laba (rugi) per saham dasar dari
operasi yang dihentikan
Laba (rugi) per saham dilusian
Laba (rugi) per saham dilusian dari 589.93000 441.26000
operasi yang dilanjutkan
Laba (rugi) per saham dilusian dari
operasi yang dihentikan
components presented before
r loss and other comprehensive

income
Statement of profit or loss and other

comprehensive income
Operating income and expenses
Interest income
Interest expenses
Revenue from fund management as
mudharib
Third parties share on return of temporary
syirkah funds
Insurance income
Revenue from insurance premiums
Reinsurance premiums
Retrocession premiums
Decrease (increase) in unearned
premiums
Decrease (increase) in premium income
ceded to reinsurancer
Insurance commission income
Net investment income
Ujrah received
Other insurance income
Insurance expenses
Claim expenses
Reinsurance claims
Retrocession claims
Increase (decrease) in estimated claims
liability
Increase (decrease) in liability for future
policy benefit
Increase (decrease) in provision for losses
arising from liability adequacy test
Increase (decrease) in insurance liabilities
ceded to reinsurers
Increase (decrease) in liabilities to

policyholder in unit-linked contracts
Insurance commission expenses

Ujrah paid
Acquisition costs of insurance contracts
Other insurance expenses

Financing income
Revenue from consumer financing
Revenue from finance lease

Revenue from operating lease
Revenue from factoring
Securities income
Revenue from underwriting activities and
selling fees
Revenue from financing transactions
Revenue from securities administration

service
Revenue from investment management
services
Revenue from financial advisory services
Realised gains (losses) on trading of

Gains (losses) on changes in fair value of

Other operating income
Investments income
Provisions and commissions income from
transactions other than loan
Revenue from trading transactions
Dividends income
Realised gains (losses) from derivative
instruments
Revenue from recovery of written-off
assets
Gains (losses) on changes in foreign
exchange rates
Gains (losses) on disposal of property and
equipment
Gains (losses) on disposal of foreclosed
assets
Other operating income
Recovery of impairment loss
Recovery of impairment loss of financial

assets
assets finance lease

assets consumer financing receivables
Recovery of impairment loss of non-

financial assets
Recovery of impairment loss of non-
financial assets repossessed collaterals
Recovery of estimated loss of

commitments and contingency
Allowances for impairment losses
Allowances for impairment losses on

earnings assets
Allowances for impairment losses on non-
earnings assets
Reversal (expense) of estimated losses on
commitments and contingencies
Other operating expenses
General and administrative expenses
Selling expenses
Rent, maintenance and improvement
expenses
Other fees and commissions expenses
Other operating expenses
Total profit from operation
Non-operating income and expense
Non-operating income
Non-operating expenses
Share of profit (loss) of associates
accounted for using equity method
Share of profit (loss) of joint ventures

accounted for using equity method
Total profit (loss) before tax
Tax benefit (expenses)

Total profit (loss) from continuing
operations
Profit (loss) from discontinued operations
Total profit (loss)
Other comprehensive income, before tax
Other comprehensive income that will not

be reclassified to profit or loss, before tax
Other comprehensive income for gains

(losses) on revaluation of property and
equipment, before tax
Other comprehensive income for
remeasurement of defined benefit
obligation, before tax
Other adjustments to other comprehensive
income that will not be reclassified to profit
or loss, before tax
Total other comprehensive income that will

not be reclassified to profit or loss, before
tax
Other comprehensive income that may be

reclassified to profit or loss, before tax
Gains (losses) on exchange differences on

translation, before tax
Reclassification adjustments on exchange
differences on translation, before tax
Unrealised gains (losses) on changes in
fair value through other comprehensive
income, before tax
Reclassification adjustments on fair value

through other comprehensive income
financial assets, before tax
Gains (losses) on cash flow hedges,

before tax
Reclassification adjustments on cash flow
hedges, before tax
Carrying amount of non-financial asset

(liability) whose acquisition or incurrence
was hedged on highly probable forecast
transaction, adjusted from equity, before
tax
Gains (losses) on hedges of net

investments in foreign operations, before
tax
Reclassification adjustments on hedges of
net investments in foreign operations,
before tax
Share of other comprehensive income of

associates accounted for using equity
method, before tax
Share of other comprehensive income of

joint ventures accounted for using equity
method, before tax
Other adjustments to other comprehensive

income that may be reclassified to profit or
loss, before tax
Total other comprehensive income that

may be reclassified to profit or loss, before
tax
Total other comprehensive income, before
tax
Tax on other comprehensive income
Total other comprehensive income, after

tax
Total comprehensive income
Profit (loss) attributable to
Profit (loss) attributable to parent entity
Profit (loss) attributable to non-controlling

interests
Comprehensive income attributable to
Comprehensive income attributable to
parent entity
Comprehensive income attributable to non-
controlling interests
Earnings (loss) per share

Basic earnings per share attributable to
equity owners of the parent entity
Basic earnings (loss) per share from
continuing operations
Basic earnings (loss) per share from
discontinued operations
Diluted earnings (loss) per share
Diluted earnings (loss) per share from
continuing operations
Diluted earnings (loss) per share from
discontinued operations
[4410000] Statement of changes in equity - Financial and Sharia Industry
Laporan perubahan ekuitas
Common stocks Preferred stocks
Saham biasa Saham preferen

Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian 11,666,667,000,000
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 11,666,667,000,000
Laba (rugi)
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangn
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 11,666,667,000,000
Additional paid-in capital Treasury stocks Advances in capital stock
Tambahan modal disetor Saham treasuri Uang muka setoran modal
17,643,264,000,000
17,643,264,000,000
dak mengakibatkan hilangnya pengendalian
17,643,264,000,000
Stock options Translation adjustment Revaluation reserves
Opsi saham Penjabaran laporan keuangan Cadangan revaluasi
34,716,693,000,000
34,716,693,000,000
34,716,693,000,000
Reserve for changes in fair value
of fair value through other
Reserve of exchange differences comprehensive income financial Reserve of gains (losses) from
on translation assets investments in equity instruments
Cadangan perubahan nilai wajar aset
keuangan nilai wajar melalui Cadangan keuntungan (kerugian)
Cadangan selisih kurs penjabaran pendapatan komprehensif lainnya investasi pada instrumen ekuitas
(60,427,000,000) (2,768,553,000,000)
(60,427,000,000) (2,768,553,000,000)
(85,872,000,000) 930,793,000,000
(146,299,000,000) (1,837,760,000,000)
Reserve of share-based Reserve of remeasurements of
payments Reserve of cash flow hedges defined benefit plans
Cadangan pembayaran berbasis Cadangan pengukuran kembali

saham Cadangan lindung nilai arus kas program imbalan pasti
(3,156,000,000) 1,510,016,000,000
(3,156,000,000) 1,510,016,000,000
4,585,000,000 7,167,000,000
1,429,000,000 1,517,183,000,000
Difference Due to Changes of
Other reserves Equity in Subsidiary/Associates Other equity interests
Selisih Transaksi Perubahan Ekuitas

Cadangan lainnya Entitas Anak/Asosiasi Kepentingan ekuitas lainnya
85,052,000,000
85,052,000,000
85,052,000,000
Difference in value of equity
transactions with non-controlling Other transactions with non- Other components of equity
interests controlling interests transactions
Selisih transaksi ekuitas dengan pihak Transaksi dengan pihak non-

non-pengendali pengendali lainnya Komponen transaksi ekuitas lainnya
(97,202,000,000)
(97,202,000,000)
(97,202,000,000)
Appropriated retained earnings- Appropriated retained earnings-
general and legal reserves specific reserves Unappropriated retained earnings
penggunaannya-cadangan umum dan Saldo laba yang telah ditentukan Saldo laba yang belum ditentukan
wajib penggunaannya-cadangan khusus penggunaannya
2,333,333,000,000 3,046,935,000,000 161,606,164,000,000
(40,350,000,000)
2,333,333,000,000 3,046,935,000,000 161,565,814,000,000

55,060,057,000,000
(24,702,382,000,000)
2,333,333,000,000 3,046,935,000,000 191,923,489,000,000

S
Equity attributable to parent

entity Proforma equity Non-controlling interests
Ekuitas yang dapat diatribusikan

kepada entitas induk Proforma ekuitas Kepentingan non-pengendali
229,678,786,000,000 22,566,669,000,000
(40,350,000,000) (38,053,000,000)
229,638,436,000,000 22,528,616,000,000
55,060,057,000,000 4,991,813,000,000
856,673,000,000 49,416,000,000
(24,702,382,000,000)
(927,667,000,000)
Changes in non-controlling interests

Changes in non-controlling interests due to partial disposal of in
Changes in non-controlling interests due to oth
260,852,784,000,000 26,642,178,000,000
Statement of changes in equity
Equity
Ekuitas
Statement of changes in equity [line items]
Equity position
252,245,455,000,000 e before restatement at beginning of period
Adjustments
(78,403,000,000) ion of new and revised accounting standards
Voluntary changes in accounting policies
Correction of prior period errors
Other adjustments
252,167,052,000,000 Equity position, beginning of the period
60,051,870,000,000 Profit (loss)
906,089,000,000 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
(24,702,382,000,000) Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments
Increase (decrease) in equity through treasury stock transactions
Increase (decrease) in equity through share-based payment transactions
Exercise of convertible instruments
Exercise of warrants
Increase (decrease) in equity through transactions with owner's equity
Stock subscription from non-controlling interests
Changes in non-controlling interests due to acquisition of subsidiaries
(927,667,000,000) terests due to establishment of subsidiaries
Changes in non-controlling interests due to disposal of subsidiaries
Changes in non-controlling interests due to disposal of a discontinued operation
interests due to partial disposal of interests in subsidiaries without loss of control
n non-controlling interests due to other transactions with non-controlling interests
Elimination of deficit in connection with quasi-reorganisation
Stock options exercised
Impact of psak no. 70 adoption on tax amnesty assets
Retrospective adjustment of PSAK implementation
Other equity transactions
287,494,962,000,000 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
Laporan perubahan ekuitas
Common stocks Preferred stocks
Saham biasa Saham preferen

Laporan perubahan ekuitas [baris komponen]
Posisi ekuitas
Saldo awal periode sebelum penyajian 11,666,667,000,000
Penyesuaian
Penerapan awal standar akuntansi baru dan revisi
Perubahan kebijakan akuntansi secara sukarela
Koreksi kesalahan periode lalu
Penyesuaian lainnya
Posisi ekuitas, awal periode 11,666,667,000,000
Laba (rugi)
Pembentukan cadangan umum
Pembentukan cadangan khusus
Distribusi dividen kas
Distribusi dividen saham
Penerbitan saham biasa
Penerbitan saham preferen
Biaya emisi efek
Penerbitan instrumen yang dapat dikonversi
Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri
Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham
Pelaksanaan instrumen yang dapat dikonversi
Pelaksanaan waran
Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas
Setoran modal dari kepentingan non-pengendali
Perubahan kepentingan non-pengendali atas akuisisi entitas anak
Perubahan kepentingan non-pengendali atas pendirian entitas anak
Perubahan kepentingan non-pengendali atas pelepasan entitas anak
Perubahan kepentingan non-pengendali atas pelepasan operasi yang dihentikan
Perubahan kepentingan non-pengendali atas pelepasan sebagian kepemilikan pada entitas anak yang tidak mengakibatkan hilangn
Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali
Eliminasi defisit dalam rangka kuasi reorganisasi
Pelaksanaan opsi saham
Dampak penerapan psak no. 70 atas aset pengampunan pajak
Saldo penyesuaian dampak penerapan retrospektif atas PSAK
Transaksi ekuitas lainnya
Posisi ekuitas, akhir periode 11,666,667,000,000
rior Year
Additional paid-in capital Treasury stocks Advances in capital stock
Tambahan modal disetor Saham treasuri Uang muka setoran modal
17,643,264,000,000 (150,895,000,000)
17,643,264,000,000 (150,895,000,000)
150,895,000,000
dak mengakibatkan hilangnya pengendalian
17,643,264,000,000 0
Stock options Translation adjustment Revaluation reserves
Opsi saham Penjabaran laporan keuangan Cadangan revaluasi
30,140,345,000,000
30,140,345,000,000
4,576,348,000,000
(69,682,000,000)
34,716,693,000,000
Reserve for changes in fair value
of fair value through other
Reserve of exchange differences comprehensive income financial Reserve of gains (losses) from
on translation assets investments in equity instruments
Cadangan perubahan nilai wajar aset
keuangan nilai wajar melalui Cadangan keuntungan (kerugian)
Cadangan selisih kurs penjabaran pendapatan komprehensif lainnya investasi pada instrumen ekuitas
(88,985,000,000) 1,692,145,000,000
(88,985,000,000) 1,692,145,000,000
28,558,000,000 (4,460,698,000,000)
75,234,000,000
(60,427,000,000) (2,768,553,000,000)
Reserve of share-based Reserve of remeasurements of
payments Reserve of cash flow hedges defined benefit plans
Cadangan pembayaran berbasis Cadangan pengukuran kembali

saham Cadangan lindung nilai arus kas program imbalan pasti
(370,000,000) 1,217,456,000,000
(370,000,000) 1,217,456,000,000
(2,786,000,000) 292,560,000,000
(94,207,000,000)
(3,156,000,000) 1,510,016,000,000
Difference Due to Changes of
Other reserves Equity in Subsidiary/Associates Other equity interests
Selisih Transaksi Perubahan Ekuitas

Cadangan lainnya Entitas Anak/Asosiasi Kepentingan ekuitas lainnya
85,052,000,000
85,052,000,000
85,052,000,000
Difference in value of equity
transactions with non-controlling Other transactions with non- Other components of equity
interests controlling interests transactions
Selisih transaksi ekuitas dengan pihak Transaksi dengan pihak non-

non-pengendali pengendali lainnya Komponen transaksi ekuitas lainnya
(106,001,000,000)
(106,001,000,000)
360,000,000
(5,606,320,000,000)
(106,001,000,000)
Appropriated retained earnings- Appropriated retained earnings-
general and legal reserves specific reserves Unappropriated retained earnings
penggunaannya-cadangan umum dan Saldo laba yang telah ditentukan Saldo laba yang belum ditentukan
wajib penggunaannya-cadangan khusus penggunaannya
2,333,333,000,000 3,046,935,000,000 137,207,666,000,000
(16,816,893,000,000)
2,333,333,000,000 3,046,935,000,000 120,390,773,000,000

41,170,637,000,000
53,553,000,000
2,333,333,000,000 3,046,935,000,000 161,614,963,000,000

S
Equity attributable to parent

entity Proforma equity Non-controlling interests
Ekuitas yang dapat diatribusikan

kepada entitas induk Proforma ekuitas Kepentingan non-pengendali
204,686,612,000,000 17,424,670,000,000
(16,816,893,000,000)
187,869,719,000,000 17,424,670,000,000
41,170,637,000,000 3,781,731,000,000
433,982,000,000 (39,808,000,000)
150,895,000,000
53,553,000,000 2,164,564,000,000
(764,488,000,000)
Changes in non-controlling interests

Changes in non-controlling interests due to partial disposal of in
Changes in non-controlling interests due to oth
229,678,786,000,000 22,566,669,000,000
Statement of changes in equity
Equity
Ekuitas
Statement of changes in equity [line items]
Equity position
222,111,282,000,000 e before restatement at beginning of period
Adjustments
(16,816,893,000,000) ion of new and revised accounting standards
Voluntary changes in accounting policies
Correction of prior period errors
Other adjustments
205,294,389,000,000 Equity position, beginning of the period
44,952,368,000,000 Profit (loss)
394,174,000,000 Other comprehensive income
Allocation for general reserves
Allocation for specific reserves
Distributions of cash dividends
Distributions of stock dividends
Issuance of common stocks
Issuance of preferred stocks
Stock issuance costs
Issuance of convertible instruments
150,895,000,000 n equity through treasury stock transactions
Increase (decrease) in equity through share-based payment transactions
Exercise of convertible instruments
Exercise of warrants
Increase (decrease) in equity through transactions with owner's equity
Stock subscription from non-controlling interests
2,218,117,000,000 interests due to acquisition of subsidiaries
(764,488,000,000) terests due to establishment of subsidiaries
Changes in non-controlling interests due to disposal of subsidiaries
Changes in non-controlling interests due to disposal of a discontinued operation
interests due to partial disposal of interests in subsidiaries without loss of control
n non-controlling interests due to other transactions with non-controlling interests
Elimination of deficit in connection with quasi-reorganisation
Stock options exercised
Impact of psak no. 70 adoption on tax amnesty assets
Retrospective adjustment of PSAK implementation
Other equity transactions
252,245,455,000,000 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement

CurrentYearDuration PriorYearInstant
Laporan arus kas
Arus kas dari aktivitas operasi
Arus kas sebelum perubahan dalam
aset dan liabilitas operasi
Penerimaan bunga, hasil investasi, 360,960,278,000,000 419,557,380,000,000
provisi, dan komisi
Pembayaran bunga dan bonus, (254,340,760,000,000) (315,601,524,000,000)
provisi dan komisi
Bunga bank dan deposito berjangka
Penerimaan pendapatan
pengelolaan dana sebagai mudharib
Pembayaran bagi hasil dana syirkah
temporer
Penerimaan premi asuransi
Penerimaan klaim reasuransi
Penerimaan (pembayaran) komisi
Penerimaan klaim retrosesi
Penerimaan dari ujrah
Penerimaan dari (pembayaran
kepada) lembaga kliring dan
penjaminan
kepada) nasabah
Pencairan (penempatan) deposito
pada lembaga kliring dan penjaminan
Pendapatan dari transaksi 5,527,300,000,000 3,932,497,000,000

operasional lainnya
Penerimaan kembali aset yang telah 12,159,217,000,000 8,204,315,000,000
dihapusbukukan
Pembayaran biaya akuisisi
ditangguhkan
Pembayaran atas beban keuangan
dan beban administrasi bank
Pembayaran gaji dan tunjangan (25,143,475,000,000) (22,892,424,000,000)
Pembayaran pajak penghasilan (13,729,286,000,000) (11,909,631,000,000)
badan
Pembayaran beban umum dan (18,165,992,000,000) (17,867,331,000,000)
administrasi
Laba (rugi) selisih kurs
Penerimaan pengembalian
(pembayaran) pajak penghasilan
Pembayaran beban operasional (8,868,375,000,000) (7,030,620,000,000)
lainnya
Penerimaan pendapatan non- 34,694,000,000 206,816,000,000
operasional
Pengembalian (penempatan) uang
jaminan
Penerimaan (pengeluaran) kas 4,371,516,000,000 (1,557,115,000,000)
lainnya dari aktivitas operasi
Penurunan (kenaikan) aset operasi
Penurunan (kenaikan) penempatan 1,300,258,000,000 702,604,000,000
pada bank lain dan Bank Indonesia
Penurunan (kenaikan) efek yang (4,523,193,000,000) 4,340,432,000,000
diperdagangkan
Penurunan (kenaikan) efek yang (10,986,939,000,000) 15,611,011,000,000
dibeli dengan janji dijual kembali
Penurunan (kenaikan) investasi
linked
Penurunan (kenaikan) wesel ekspor 7,748,711,000,000 (4,494,996,000,000)
dan tagihan lainnya
Penurunan (kenaikan) tagihan
akseptasi
Penurunan (kenaikan) pinjaman yang (208,103,942,000,000) (166,685,974,000,000)
diberikan
Penurunan (kenaikan) piutang (10,159,382,000,000) (5,370,202,000,000)
pembiayaan konsumen
Penurunan (kenaikan) investasi sewa 307,195,000,000 (1,090,046,000,000)
Penurunan (kenaikan) tagihan anjak

piutang
Penurunan (kenaikan) piutang dan
pembiayaan syariah
Penurunan (kenaikan) piutang
murabahah
istishna
ijarah
Penurunan (kenaikan) pinjaman
qardh
Penurunan (kenaikan)
pembiayaan mudharabah
Penurunan (kenaikan)
pembiayaan musyarakah
Penurunan (kenaikan) aset ijarah
lainnya
Penurunan (kenaikan) agunan yang
diambil alih
Penurunan (kenaikan) tagihan
derivatif
Penurunan (kenaikan) aset
reasuransi
Penurunan (kenaikan) aset lainnya (8,389,070,000,000) (2,747,386,000,000)
Kenaikan (penurunan) liabilitas operasi
Kenaikan (penurunan) liabilitas 428,927,000,000 (1,324,445,000,000)

segera
Kenaikan (penurunan) giro dan 63,049,099,000,000 177,929,257,000,000
tabungan simpanan nasabah
Kenaikan (penurunan) deposito (4,339,508,000,000) 4,414,976,000,000
berjangka nasabah
Kenaikan (penurunan) giro wadiah
simpanan nasabah
Kenaikan (penurunan) tabungan
wadiah simpanan nasabah
Kenaikan (penurunan) deposito
wakalah simpanan nasabah
Kenaikan (penurunan) simpanan dari
bank lain
Kenaikan (penurunan) giro
mudharabah
Kenaikan (penurunan) tabungan
mudharabah
Kenaikan (penurunan) efek yang
dijual dengan janji dibeli kembali
akseptasi
Kenaikan (penurunan) liabilitas (515,525,000,000) (947,343,000,000)
linked
derivatif
Kenaikan (penurunan) dana syirkah 30,079,071,000,000 19,294,992,000,000
temporer
Kenaikan (penurunan) liabilitas 11,676,701,000,000 5,300,062,000,000
lainnya
Jumlah arus kas bersih yang diperoleh (69,622,480,000,000) 99,975,305,000,000
dari (digunakan untuk) aktivitas
operasi
Arus kas dari aktivitas investasi
Penerimaan dari penyertaan saham (7,500,467,000,000) 10,165,845,000,000
dalam klasifikasi biaya perolehan
diamortisasi dan nilai wajar melalui
Pencairan (penempatan) obligasi dan 30,052,757,000,000 (44,524,940,000,000)
(atau) sukuk
Penerimaan dividen dari aktivitas
investasi
Penerimaan dari penjualan
(perolehan) properti investasi
Penerimaan dari penjualan (4,717,321,000,000) (6,130,723,000,000)
(perolehan) aset tetap
Penerimaan dari penjualan (1,934,659,000,000) (1,091,799,000,000)
(perolehan) aset takberwujud selain
goodwill
Pencairan (penempatan) aset
keuangan nilai wajar melalui
Penempatan aset keuangan biaya
perolehan diamortisasi
Pencairan aset keuangan biaya
perolehan diamortisasi
kepada) pinjaman polis
Pembayaran untuk perolehan entitas
anak
Penerimaan dari pelepasan entitas
anak
Pembayaran untuk perolehan
tambahan kepemilikan pada entitas
anak
Pencairan (penempatan) efek-efek
yang diperdagangkan
Penerimaan dari pelepasan
kepentingan di entitas anak tanpa
hilangnya pengendalian dari kegiatan
investasi
Pembayaran untuk perolehan
kepemilikan pada entitas asosiasi
Penerimaan dari pelepasan 140,000,000,000
kepemilikan pada entitas asosiasi
Penerimaan (pengeluaran) kas lainnya (29,770,000,000) (308,314,000,000)
dari aktivitas investasi
Jumlah arus kas bersih yang diperoleh 16,010,540,000,000 (41,889,931,000,000)
investasi
Arus kas dari aktivitas pendanaan
Kenaikan (penurunan) efek yang 4,745,379,000,000 (1,481,434,000,000)
diterbitkan
Penerbitan sukuk mudharabah
Penempatan sertifikat investasi
mudharabah
Biaya emisi sukuk mudharabah
Penerimaan pinjaman yang diterima 67,056,159,000,000 23,013,205,000,000
Pembayaran pinjaman yang diterima (34,822,471,000,000) (12,180,020,000,000)
Penerimaan pinjaman subordinasi 100,000,000,000
Pembayaran pinjaman subordinasi (517,151,000,000) (12,900,000,000)
Pembayaran bunga pinjaman
Penerimaan dari penerbitan obligasi
Pembayaran utang obligasi
Pembayaran biaya emisi penerbitan
obligasi
Obligasi subordinasi yang diterbitkan
Pembayaran obligasi subordinasi
Biaya emisi obligasi subordinasi yang
diterbitkan
Penerimaan dari surat utang jangka
menengah
Pembayaran dari surat utang jangka
menengah
Penerimaan dari penerbitan saham
baru
Pembayaran biaya emisi saham
Penerimaan setoran modal
Penerimaan dari penambahan 2,164,564,000,000
kepemilikan dari non-pengendali
Penjualan (pembelian) dari saham
tresuri
Penerimaan dari program opsi saham
karyawan
Penyelesaian (penempatan) transaksi
derivatif
Pembayaran dividen dari aktivitas (24,702,382,000,000) (16,816,893,000,000)
pendanaan
Penerimaan (pengeluaran) kas lainnya 11,611,121,000,000 18,642,798,000,000
dari aktivitas pendanaan
Jumlah arus kas bersih yang diperoleh 23,470,655,000,000 13,329,320,000,000
pendanaan
Jumlah kenaikan (penurunan) bersih kas (30,141,285,000,000) 71,414,694,000,000
dan setara kas
Kas dan setara kas arus kas, awal 274,889,544,000,000 193,631,712,000,000
periode
Efek perubahan nilai kurs pada kas dan (946,566,000,000) 9,843,138,000,000
setara kas
Kas dan setara kas dari entitas anak
yang didekonsolidasikan
Kenaikan (penurunan) kas dan setara
kas lainnya
Kas dan setara kas arus kas, akhir 243,801,693,000,000 274,889,544,000,000
periode
ustry
Statement of cash flows
Statement of cash flows

Cash flows from operating activities
Cash flows before changes in operating
assets and liabilities
Interest, investment income, fees and
commissions received
Payments Of Interest And Bonus Fees
And Commissions
Interest from banks and time deposits
Revenue receipts from fund management
as mudharib
Payments of temporary syirkah funds
Receipts from insurance premiums

Receipts from reinsurance claims
Receipts (payments) of commission
Receipts from retrocession claims
Receipts of ujrah
Receipts from (payments to) clearing and
Receipts from (payments to) customers
Withdrawal (placement) of deposits to

clearing and guarantee institution
Income from other operating transactions
Recoveries of written off assets
Payments for deferred acquisition costs
Payments of finance costs and bank

administration charges
Payments for salaries and allowances
Payments for corporate income tax
Payments for general and administrative

expense
Foreign currency gains (losses)
Refunds (payments) of income tax
Payments for other operating expenses
Receipts from non-operating income
Repayment (placement) of refundable

deposits
Other cash inflows (outflows) from
operating activities
Decrease (increase) in operating assets
Decrease (increase) in placements with
other banks and Bank Indonesia
Decrease (increase) in marketable
securities
Decrease (increase) in securities
purchased under resale agreements
Decrease (increase) in investment of
policyholder in unit-linked contracts
Decrease (increase) in bills and other

receivables
Decrease (increase) in acceptance
receivables
Decrease (increase) in loans
Decrease (increase) in consumer financing

receivables
Decrease (increase) in lease investments
Decrease (increase) in factoring
Decrease (increase) in sharia financing

and receivables
Decrease (increase) in murabahah
receivables
Decrease (increase) in istishna receivables
Decrease (increase) in ijarah receivables
Decrease (increase) in qardh funds
Decrease (increase) in mudharabah

financing
Decrease (increase) in musyarakah
financing
Decrease (increase) in ijarah assets
Decrease (increase) in other receivables
Decrease (increase) in foreclosed assets
Decrease (increase) in derivative

receivables
Decrease (increase) in reinsurance assets
Decrease (increase) in other assets

Increase (decrease) in operating liabilities
Increase (decrease) in obligations due

immediately
Increase (decrease) in current accounts
and customers savings
Increase (decrease) in customers time
deposits
Increase (decrease) in customers wadiah
demand deposits
Increase (decrease) in customers wadiah
saving deposits
Increase (decrease) in customers wakalah
deposits
Increase (decrease) in other banks saving
deposits
Increase (decrease) in mudharabah
current account
Increase (decrease) in mudharabah
savings deposits
Increase (decrease) in securities sold
under repurchase agreement
Increase (decrease) in acceptance
payables
Increase (decrease) in liabilities to
policyholder on unit-linked contracts
Increase (decrease) in derivative payables
Increase (decrease) in temporary syirkah

funds
Increase (decrease) in other liabilities
Total net cash flows received from (used

in) operating activities
Cash flows from investing activities

Proceeds from equity investments
classified as amortized cost and fair value
through other comprehensive income
Withdrawal (placement) of bonds and (or)

sukuk
Dividends received from investing activities
Proceeds from disposal (acquisition) of

investment properties
property and equipment
intangible assets other than goodwill
Withdrawal (placement) of financial assets

fair value through other comprehensive
income
Placement of financial assets amotized
cost investments
Withdrawal of financial assets amortized
cost investments
Receipts from (payments for) policy loans
Payments for acquisition of subsidiaries
Proceeds from sales of subsidiaries
Payments for acquisition of additional

interests in subsidiaries
Withdrawal (placement) of marketable

securities
Proceeds from sales of interests in
subsidiaries without loss of control from
investing activities
Payments for acquisition of interests in

associates
Proceeds from sales of interests in
associates
investing activities
in) investing activities
Cash flows from financing activities

Increase (decrease) in securities issued
Issuance of mudharabah sukuk

Placement of certificate of mudharabah
investments
Issuance cost of mudharabah sukuk
Proceeds from borrowings
Payments for borrowings
Proceeds from subordinated loans
Payments of subordinated loans
Payments of interests from borrowings
Proceeds from bonds issuance
Payments of bonds payable
Payments of bonds issuance costs
Subordinated bonds issued

Payments of subordinated bonds
Subordinated bonds issuance costs
Proceeds from medium term notes
Payments of medium term notes
Proceeds from issuance of new stocks
Payments of stock issuance costs

Proceeds from capital contributions
Proceed from increase of non-controlling
interest
Sales (purchase) of treasury stocks
Proceeds from employee stock options

program
Settlement (placement) of derivative
transactions
Dividends paid from financing activities

financing activities
in) financing activities
Total net increase (decrease) in cash and
cash equivalents
Cash and cash equivalents cash flows,
beginning of the period
Effect of exchange rate changes on cash
and cash equivalents
Cash and cash equivalent of
deconsolidated subsidiaries
Other increase (decrease) in cash and
cash equivalents
Cash and cash equivalents cash flows,
end of the period
[4610000] Explanation for Significant Accounting Policy - Financial and Sharia
Industry
Kebijakan akuntansi Significant accounting policies

signifikan
CurrentYearDuration
Kebijakan akuntansi signifikan Significant accounting policies
Dasar penyusunan laporan keuangan Basis of preparation of consolidated
konsolidasian 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 Foreign currency transactions and
asing balances
Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
other banks
Penempatan pada Bank Indonesia dan Placements with Bank Indonesia and other
bank lain 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 Deposits from customers and deposits
bank lain from other banks
Obligasi subordinasi Subordinated bonds
Efek-efek yang dibeli dengan janji dibeli Securities purchased under resell
kembali 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 Non-current assets classified as held for
sebagai dimiliki untuk dijual sale
Peristiwa setelah tanggal periode Events after reporting period

pelaporan
Penerapan standar akuntansi baru Adoption of new accounting standards
Standar akuntansi yang telah disahkan Accounting standards issued but not yet
namun belum berlaku efektif effective
Utang pembiayaan konsumen Consumer financing liabilities

[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown
Aset tetap
Aset tetap Penambahan aset tetap Pengurangan aset tetap

Nilai perolehan, kotor Tanah, dimiliki langsung ### 33,518,000,000
Bangunan dan fasilitasnya, dimiliki langsun ### 154,831,000,000 (241,080,000,000)
Mesin dan peralatan, dimiliki langsung
Alat berat, dimiliki langsung
Alat pengangkutan, dimiliki langsung
Perabot dan peralatan kantor, dimiliki langs ### 403,071,000,000 (279,005,000,000)
Kendaraan bermotor, dimiliki langsung ### 11,322,000,000 (15,458,000,000)
Pesawat, dimiliki langsung
Kapal, dimiliki langsung
Menara telekomunikasi, dimiliki langsung
Jaringan Fiber Optik, dimiliki langsung
Infrastruktur Telekomunikasi, dimiliki langsung
Peralatan Teknikal, dimiliki langsung
Lainnya, dimiliki langsung
Dimiliki langsung ### 602,742,000,000 (535,543,000,000)
Mesin, aset hak guna
Alat pengangkutan, aset hak guna
Alat berat, aset hak guna
Bangunan, aset hak guna
Perabot dan peralatan kantor, aset hak guna
Kendaraan bermotor, aset hak guna
Pesawat, aset hak guna
Kapal, aset hak guna
Menara telekomunikasi, aset hak guna
Jaringan Fiber Optik, aset hak guna
Infrastruktur Telekomunikasi, aset hak guna
Peralatan Teknikal, aset hak guna
Lainnya, aset hak guna ### 1,998,278,000,000 (203,979,000,000)
Aset hak guna ### 1,998,278,000,000 (203,979,000,000)
Bangunan, dalam penyelesaian
Mesin dan alat berat, dalam penyelesaian
Menara telekomunikasi, dalam penyelesaian
Jaringan Fiber Optik, dalam penyelesaian
Infrastruktur Telekomunikasi, dalam penyelesaian
Peralatan Teknikal, dalam penyelesaian
Lainnya, dalam penyelesaian ### 2,483,635,000,000
Aset dalam penyelesaian ### 2,483,635,000,000
Aset tetap ### 5,084,655,000,000 (739,522,000,000)
Akumulasi depresiasi Tanah, dimiliki langsung
Kendaraan bermotor, dimiliki langsung ### 16,684,000,000 (15,458,000,000)
Dimiliki langsung ### 1,640,979,000,000 (301,464,000,000)
Aset hak guna ### 1,760,281,000,000 (191,804,000,000)
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap ### 3,401,260,000,000 (493,268,000,000)
Aset tetap

Nilai perolehan Aset tetap 1,683,395,000,000 (246,254,000,000)
breakdown) - Financial and Sharia Industry
Aset tetap [baris komponen]
Reklasifikasi aset tetap Penjabaran laporan keuangan aset tetap Entitas anak baru aset tetap Revaluasi aset tetap
27,327,000,000
824,486,000,000
314,621,000,000
317,000,000
1,166,751,000,000
(1,166,751,000,000)
(1,166,751,000,000)
0
Penurunan (pemulihan) nilai aset tetap Aset tetap

### Land, directly owned
### and leasehold improvement, directly owned
Machinery and equipment, directly owned
Heavy equipment, directly owned
Transportation equipment, directly owned
### niture and office equipment, directly owned
### Motor vehicle, directly owned
Aircraft, directly owned
Vessels, directly owned
BTS Tower, directly owned
Fiber Optic Network, directly owned
Telecommunication Infrastructure, directly owned
Technical Equipment, directly owned
Others, directly owned
### Directly owned
Machinery, right of use assets
Transportation equipment, right of use assets
Heavy equipment, right of use assets
Building, right of use assets
Furniture and office equipment, rights of use assets
Motor vehicle, rights of use assets
Aircraft, right of use assets
Vessels, right of use assets
BTS Tower, right of use assets
Fiber Optic Network, right of use assets
Telecommunication Infrastructure, right of use assets
Technical Equipment, right of use assets
### Others, right of use assets
### Right of use assets
Building, assets under construction
Machinery and heavy equipment, assets under construction
BTS Tower, assets under construction
Fiber Optic Network, assets under construction
Telecommunication Infrastructure, assets under construction
Technical Equipment, assets under construction
### Others, assets under construction
### Assets under construction
### Property, plant, and equipment
Land, directly owned
### Directly owned
Others, assets under construction
Assets under construction

Carrying amount, gross
Carrying amount, accumulated depreciation

Carrying amount
[4611000_BD] Notes to the financial statements - Property, Plant, and Equipement (breakdown
Aset tetap

Nilai perolehan, kotor Tanah, dimiliki langsung ### 845,040,000,000
Kendaraan bermotor, dimiliki langsung ### 15,603,000,000 (944,000,000)
Aset hak guna ### 2,255,067,000,000 (306,494,000,000)
Lainnya, dalam penyelesaian ### 2,123,973,000,000 (928,000,000)
Aset dalam penyelesaian ### 2,123,973,000,000 (928,000,000)
Aset tetap ### 6,262,914,000,000 (362,031,000,000)
Akumulasi depresiasi Tanah, dimiliki langsung
Kendaraan bermotor, dimiliki langsung ### 15,970,000,000 (944,000,000)
Aset hak guna ### 1,852,876,000,000 (292,914,000,000)
Lainnya, dalam penyelesaian
Aset dalam penyelesaian
Aset tetap ### 3,418,186,000,000 (347,329,000,000)
Aset tetap

Nilai perolehan Aset tetap ### 2,844,728,000,000 (14,702,000,000)
breakdown) - Financial and Sharia Industry - Prior Year
243,083,000,000 4,565,748,000,000
1,866,395,000,000
685,422,000,000
5,451,000,000
2,800,351,000,000 4,565,748,000,000
(2,800,351,000,000)
(2,800,351,000,000)
0 4,565,748,000,000
(6,000,000)
6,000,000
0 4,565,748,000,000

### Land, directly owned
### Directly owned
### Others, assets under construction
### Assets under construction
Land, directly owned
### Directly owned
Others, assets under construction
Assets under construction

Carrying amount, gross
Carrying amount, accumulated depreciation

Carrying amount
[4611100] Disclosure of Notes to the financial statements - Property, Plant and
Equipment - Financial and Sharia Industry
Pengungkapan Disclosure
CurrentYearDuration
Pengungkapan Disclosure
Pengungkapan catatan atas aset tetap Disclosure of notes for property, plant and
equipment
[4612100a_BD] Notes to the financial statements - Loans and Sharia receivables - by type (bre
Pinjaman berdasarkan tipe
Total loans, gross

Current Special mention Substandard
Lancar Dalam perhatian khusus Kurang lancar

Rupiah Modal kerja ### 16,650,280,000,000 ###
Investasi ### 7,996,955,000,000 ###
Sindikasi ### 553,493,000,000 0
Program pemerintah ### 2,333,056,000,000 ###
Karyawan ### 170,995,000,000 18,000,000
Ekspor ### 18,596,000,000 0
Subjumlah pinjaman lainnya 0 0 0
Konsumen ### 10,905,841,000,000 ###
Subjumlah Pinjaman berdasarkan tipe ### 38,629,216,000,000 ###
Mata uang asing Modal kerja ### 4,583,064,000,000 0
Investasi ### 5,390,280,000,000 0
Sindikasi ### 3,873,273,000,000 ###
Program pemerintah 0 0 0
Karyawan 0 0 0
Ekspor ### 0 0
Konsumen ### 2,306,000,000 0
Total loans, gross


Rupiah Modal kerja ### 10,697,514,000,000 ###
Investasi ### 7,911,481,000,000 ###
Sindikasi ### 553,493,000,000 0
Program pemerintah ### 1,754,495,000,000 ###
Karyawan ### 142,355,000,000 241,000,000
Ekspor ### 210,021,000,000 0
Konsumen ### 8,102,973,000,000 ###
Mata uang asing Modal kerja ### 4,563,143,000,000 0
Investasi ### 6,457,629,000,000 0
Sindikasi ### 3,530,433,000,000 ###
Program pemerintah 0 0 0
Karyawan 0 0 0
Ekspor ### 27,163,000,000 0
Konsumen ### 0 0
Total loans, gross


Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe
Total loans, gross


Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan tipe
Current Loss Substandard Doubtful
Lancar Macet Kurang lancar Diragukan

Jumlah pinjaman berdasarkan tipe
Jumlah pinjaman, kotor 1,291,220,465,000,000 ### 3,825,585,000,000 ###
Cadangan kerugian penurunan nilai pada (22,594,287,000,000) ### (1,892,707,000,000) ###
Jumlah pinjaman, bersih 1,268,626,178,000,000 ### 1,932,878,000,000 ###

Current Loss Substandard Doubtful
Lancar Macet Kurang lancar Diragukan

Jumlah pinjaman berdasarkan tipe
Jumlah pinjaman, kotor 1,105,972,376,000,000 ### 3,041,419,000,000 ###
Cadangan kerugian penurunan nilai pada (28,002,738,000,000) ### (2,008,421,000,000) ###
Jumlah pinjaman, bersih 1,077,969,638,000,000 ### 1,032,998,000,000 ###
e (breakdown) - Financial and Sharia Industry
Jumlah pinjaman, kotor
Doubtful Loss Total Loans by collectibility
Diragukan Macet Jumlah Pinjaman berdasarkan kolektibilitas

1,844,987,000,000 3,380,063,000,000 339,750,846,000,000
751,776,000,000 557,217,000,000 265,825,547,000,000
0 0 58,167,225,000,000
362,568,000,000 246,081,000,000 85,896,352,000,000
416,000,000 11,784,000,000 44,951,749,000,000
0 55,041,000,000 5,174,395,000,000
0 0 0
1,766,055,000,000 1,787,444,000,000 300,969,549,000,000
4,725,802,000,000 6,037,630,000,000 1,100,735,663,000,000
512,217,000,000 86,490,000,000 47,934,915,000,000
0 939,931,000,000 126,325,346,000,000
0 0 72,071,771,000,000
0 0 0
0 0 0
0 5,842,000,000 10,595,953,000,000
0 0 0
0 94,000,000 2,168,547,000,000
512,217,000,000 1,032,357,000,000 259,096,532,000,000

3,063,325,000,000 6,645,262,000,000 272,377,801,000,000
1,077,416,000,000 2,200,218,000,000 237,977,306,000,000
0 0 41,265,076,000,000
252,912,000,000 302,022,000,000 80,393,404,000,000
243,000,000 11,438,000,000 41,332,525,000,000
1,297,000,000 1,836,000,000 5,359,555,000,000
0 0 0
1,193,778,000,000 1,687,887,000,000 263,250,187,000,000
5,588,971,000,000 10,848,663,000,000 941,955,854,000,000
525,451,000,000 2,502,475,000,000 40,880,465,000,000
0 169,646,000,000 114,860,989,000,000
0 81,000,000 66,129,827,000,000
0 0 0
0 0 0
0 0 6,620,939,000,000
0 0 0
100,000,000 0 2,151,808,000,000
525,551,000,000 2,672,202,000,000 230,644,028,000,000
Loans by type
Special mention Total Loans by collectibility
Dalam perhatian khusus Jumlah Pinjaman berdasarkan kolektibilitas

Total loans by type
52,478,139,000,000 Total loans, gross
(18,800,031,000,000) Allowance for impairment losses for loans
33,678,108,000,000 Total loans, net
Loans by type
Special mention Total Loans by collectibility
Dalam perhatian khusus Jumlah Pinjaman berdasarkan kolektibilitas

Total loans by type
43,950,700,000,000 Total loans, gross
(17,487,074,000,000) Allowance for impairment losses for loans
26,463,626,000,000 Total loans, net
Loans by type
Rupiah Working capital

Investment
Syndicated
Government programs
Employee
Export
Others, subtotal loans
Consumer
Subtotal Loans by type
Foreign currencies Working capital
Investment
Syndicated
Government programs
Employee
Export
Consumer
Loans by type
Rupiah Working capital

Investment
Syndicated
Government programs
Employee
Export
Consumer
Foreign currencies Working capital
Investment
Syndicated
Government programs
Employee
Export
Consumer
Loans by type
Subtotal on all Currencies Subtotal Loans by type

Loans by type
Subtotal on all Currencies Subtotal Loans by type

[4613100a_BD] Notes to the financial statements - Loans and Sharia receivables - by Economi
CurrentYearInstant
Pinjaman berdasarkan sektor ekonomi
Total loans, gross

Current
Lancar
Rupiah Perindustrian 96,389,797,000,000
Perdagangan, restoran dan hotel 137,847,825,000,000
Pertanian 134,626,317,000,000
Jasa dunia usaha 99,761,989,000,000
Konstruksi 80,755,330,000,000
Pengangkutan, pergudangan dan komunika 69,830,623,000,000
Listrik, gas dan air 19,834,863,000,000
Jasa sosial 40,235,685,000,000
Pertambangan 33,758,498,000,000
Properti 0
Lain-lain 334,810,297,000,000
Subjumlah Pinjaman berdasarkan sektor ek 1,047,851,224,000,000
Mata uang asing Perindustrian 59,793,004,000,000
Perdagangan, restoran dan hotel 9,339,003,000,000
Pertanian 4,848,674,000,000
Jasa dunia usaha 12,439,707,000,000
Konstruksi 1,768,457,000,000
Pengangkutan, pergudangan dan komunika 20,472,108,000,000
Listrik, gas dan air 25,797,065,000,000
Jasa sosial 36,953,028,000,000
Pertambangan 69,122,697,000,000
Properti 0
Lain-lain 2,835,498,000,000
Subjumlah Pinjaman berdasarkan sektor ek 243,369,241,000,000
CurrentYearInstant
Total loans, gross

Current
Lancar
Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi
CurrentYearInstant
Current Special mention
Lancar Dalam perhatian khusus

Jumlah pinjaman berdasarkan sektor ekonomi
Jumlah pinjaman, kotor 1,291,220,465,000,000 52,478,139,000,000
Cadangan kerugian penurunan nilai pada (22,594,287,000,000) (18,800,031,000,000)
Jumlah pinjaman, bersih 1,268,626,178,000,000 33,678,108,000,000
ables - by Economic Sector (breakdown) - Financial and Sharia Industry
Special mention Substandard Doubtful Loss
Dalam perhatian khusus Kurang lancar Diragukan Macet

5,574,697,000,000 ### ### 2,523,558,000,000
4,810,608,000,000 ### ### 695,261,000,000
1,246,457,000,000 ### ### 264,402,000,000
2,858,468,000,000 ### ### 160,574,000,000
8,841,050,000,000 ### ### 443,925,000,000
1,061,043,000,000 ### ### 46,754,000,000
554,285,000,000 1,655,000,000 ### 3,411,000,000
551,061,000,000 ### ### 33,781,000,000
1,712,255,000,000 7,750,000,000 ### 7,575,000,000
0 0 0 0
11,419,292,000,000 ### ### 1,858,389,000,000
38,629,216,000,000 ### ### 6,037,630,000,000
6,151,042,000,000 0 ### 1,026,421,000,000
68,164,000,000 0 0 0
0 0 0 0
458,492,000,000 0 0 5,842,000,000
3,156,929,000,000 0 0 0
455,061,000,000 0 0 0
3,491,766,000,000 ### 0 0
0 0 0 0
65,163,000,000 0 0 0
0 0 0 0
2,306,000,000 0 0 94,000,000
13,848,923,000,000 ### ### 1,032,357,000,000
Loans by economic sector

Substandard Doubtful Loss Total Loans by collectibility
Kurang lancar Diragukan Macet Jumlah Pinjaman berdasarkan kolektibilitas
3,825,585,000,000 ### ### 1,359,832,195,000,000

(1,892,707,000,000) ### ###
1,932,878,000,000 ### ### 1,306,733,576,000,000
ndustry
Total Loans by collectibility
Jumlah Pinjaman berdasarkan kolektibilitas

106,572,776,000,000 Rupiah Manufacturing
144,518,784,000,000 Trading, restaurants and hotels
137,152,390,000,000 Agriculture
102,936,564,000,000 Business services
90,251,154,000,000 Construction
71,044,306,000,000 ortation, warehousing and communications
20,394,483,000,000 Electricity, gas and water
40,870,404,000,000 Social services
35,493,635,000,000 Mining
0 Property
351,501,167,000,000 Other sectors
1,100,735,663,000,000 Subtotal Loans by economic sector
67,482,684,000,000 Foreign currencies Manufacturing
4,848,674,000,000 Agriculture
4,925,386,000,000 Construction
69,187,860,000,000 Mining
0 Property
2,837,898,000,000 Other sectors
259,096,532,000,000 Subtotal Loans by economic sector

Subtotal on all Currencies Subtotal Loans by economic sector
Loans by economic sector Pinjaman berdasarkan sektor ekonomi

Current
Lancar
Total loans by economic sector Jumlah pinjaman berdasarkan sektor ekonomi
Total loans, gross Jumlah pinjaman, kotor 1,105,972,376,000,000
Allowance for impairment losses for loans Cadangan kerugian penurunan nilai pada (28,002,738,000,000)
Total loans, net Jumlah pinjaman, bersih 1,077,969,638,000,000
Total loans, gross


Rupiah Perindustrian ### 6,545,837,000,000
Perdagangan, restoran dan hotel ### 5,136,611,000,000
Pertanian ### 1,218,362,000,000
Jasa dunia usaha ### 2,539,976,000,000
Konstruksi ### 2,949,699,000,000
Pengangkutan, pergudangan dan komunika ### 1,428,492,000,000
Listrik, gas dan air ### 556,975,000,000
Jasa sosial ### 478,334,000,000
Pertambangan ### 172,080,000,000
Properti
Lain-lain ### 8,345,966,000,000
Subjumlah Pinjaman berdasarkan sektor ek ### 29,372,332,000,000
Mata uang asing Perindustrian ### 9,240,341,000,000
Perdagangan, restoran dan hotel ### 119,609,000,000
Pertanian ### 0
Jasa dunia usaha ### 19,215,000,000
Konstruksi ### 1,134,208,000,000
Pengangkutan, pergudangan dan komunika ### 468,500,000,000
Listrik, gas dan air ### 3,530,433,000,000
Jasa sosial ### 0
Pertambangan ### 66,062,000,000
Properti 0 0
Lain-lain ### 0
Subjumlah Pinjaman berdasarkan sektor ek ### 14,578,368,000,000
Total loans, gross


Subjumlah Seluruh Mata Uang Subjumlah Pinjaman berdasarkan sektor ekonomi
43,950,700,000,000 3,041,419,000,000 ### 13,520,865,000,000

(17,487,074,000,000) (2,008,421,000,000) ### (12,500,722,000,000)
26,463,626,000,000 1,032,998,000,000 ### 1,020,143,000,000
Substandard Doubtful Loss
Kurang lancar Diragukan Macet

445,949,000,000 2,613,555,000,000 ###
593,425,000,000 699,554,000,000 ###
147,565,000,000 413,580,000,000 ###
128,079,000,000 128,439,000,000 ###
75,331,000,000 493,094,000,000 ###
53,784,000,000 20,356,000,000 ###
13,316,000,000 98,000,000 ###
11,414,000,000 9,059,000,000 ###
5,319,000,000 7,498,000,000 ###
1,178,704,000,000 1,203,738,000,000 ###

2,652,886,000,000 5,588,971,000,000 ###
0 525,451,000,000 ###
0 0 0
0 0 0
0 0 0
0 0 0
0 0 ###
388,533,000,000 0 0
0 0 0
0 0 ###
0 0 0
0 100,000,000 0
388,533,000,000 525,551,000,000 ###
Substandard Doubtful Loss
Kurang lancar Diragukan Macet
PriorYearInstant

Total loans by economic sector
1,172,599,882,000,000 Total loans, gross
Allowance for impairment losses for loans
1,107,987,237,000,000 Total loans, net
PriorYearInstant

101,035,290,000,000 Rupiah Manufacturing
119,423,502,000,000 Agriculture
80,403,928,000,000 Construction
14,314,547,000,000 Mining
0 Property
308,797,716,000,000 Other sectors
61,419,355,000,000 Foreign currencies Manufacturing
5,720,538,000,000 Agriculture
3,763,207,000,000 Construction
71,778,762,000,000 Mining
0 Property
2,601,932,000,000 Other sectors
PriorYearInstant

Subtotal on all Currencies Subtotal Loans by economic sector
[4614100] Notes to the financial statements - Loans and Sharia receivables - Other Information
and Sharia Industry
Informasi penting lainnya Loans othe

CurrentYearDuration PriorEndYearDuration
Informasi penting lainnya
Tingkat suku bunga rata-rata (yield) dan
kisaran bagi hasil per tahun
Tingkat suku bunga rata-rata per
tahun
Tingkat suku bunga rata-rata per 0.0085 0.00837
tahun rupiah
Tingkat suku bunga rata-rata per 0.00679 0.00445
tahun mata uang asing
Kisaran bagi hasil per tahun
Kisaran bagi hasil per tahun piutang 0,00104 - 1,037 0,0003 - 1,158
murabahan dan istishna
Kisaran bagi hasil per tahun 0,0212 - 1,417 0,0210 - 0,0808
pembiayaan musyarakah
Kisaran bagi hasil per tahun 0,0401 - 1,405 0,0794 - 0,1059
pembiayaan syariah lainnya
Cadangan kerugian penurunan nilai, 68,588,680,000,000

awal periode
Pembentukan selama tahun berjalan 9,788,587,000,000 15,442,378,000,000
Penghapusbukuan (20,871,629,000,000) (16,883,940,000,000)
Pemulihan pinjaman yang telah

dihapusbukukan
Cadangan lain-lain (430,984,000,000) (2,534,473,000,000)
Dampak selisih akibat perbedaan kurs

terhadap cadangan kerugian
penurunan nilai pinjaman diberikan
Cadangan kerugian penurunan nilai, 53,098,619,000,000 64,612,645,000,000
akhir periode
Rasio pinjaman
Non-performing financing - gross 0.01920 0.01880
Non-performing financing - net 0.00310 0.00260
- Other Information - Financial
Loans other information
Loans other information

Annual average yield rate and indicative
profit sharing
Annual yield rate
Annual yield rate of rupiah loans
Annual yield rate of foreign currencies

loans
Annual indicative profit sharing
Indicative profit sharing of murabahah and
istishna receivables
Indicative profit sharing of musyarakah
financing
Indicative profit sharing of other sharia
financing
Movement of allowance for impairment
losses on loans
Allowance for impairment of losses,
beginning period
Provision during the year of allowance for
impairment losses on loans
Writing off of allowance for impairment
losses on loans
Recoveries of written-off of allowance for
impairment losses on loans
Others allowance for impairment losses on
loans
Foreign exchange translation impact on
allowance for impairment losses on loans
Allowance for impairment of losses, ending

period
Loan ratios
Non-performing financing - gross
Non-performing financing - net
[4621100_BD] Notes to the financial statements - Current Accounts and Wadiah Demand depo
CurrentYearInstant
Giro dan giro wadiah Current accounts and wadiah d
Giro Pihak berelasi Rupiah ### Rupiah
Mata uang asing ### Foreign currencies
Subjumlah Seluruh Mata Uang ### Subtotal on all Currencies
Pihak ketiga Rupiah ### Rupiah
Giro wadiah Pihak berelasi Rupiah Rupiah
Mata uang asing Foreign currencies
Subjumlah Seluruh Mata Uang Subtotal on all Currencies
Pihak ketiga Rupiah Rupiah
CurrentYearInstant
Giro dan giro wadiah Current accounts and wadiah d
Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang ### Subtotal on all Currencies
Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies
adiah Demand deposits (breakdown) - Financial and Sharia Industry
counts and wadiah demand deposits Giro dan giro wadiah

Related parties Current accounts Giro Pihak berelasi Rupiah ###
Mata uang asing ###
Subjumlah Seluruh Mata Uang ###
Third parties Pihak ketiga Rupiah ###
Mata uang asing ###
Related parties Wadiah demand deposits Giro wadiah Pihak berelasi Rupiah
Mata uang asing
Subjumlah Seluruh Mata Uang
Third parties Pihak ketiga Rupiah
Mata uang asing
counts and wadiah demand deposits Giro dan giro wadiah

Subtotal on all Parties Current accounts Giro Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang ###
Subtotal on all Parties Wadiah demand deposits Giro wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang
PriorYearInstant
Current accounts and wadiah demand deposits
Rupiah Related parties Current accounts
Foreign currencies
Subtotal on all Currencies
Rupiah Third parties
Foreign currencies
Rupiah Related parties Wadiah demand deposits
Foreign currencies
Foreign currencies
PriorYearInstant
Current accounts and wadiah demand deposits
Subtotal on all Currencies Subtotal on all Parties Current accounts
Subtotal on all Currencies Subtotal on all Parties Wadiah demand deposits
[4622100_BD] Notes to the financial statements - Savings Deposits and Wadiah Savings Depos
CurrentYearInstant
Tabungan dan tabungan wadiah Savings deposits and wadi
Tabungan Pihak berelasi Rupiah ### Rupiah
Tabungan wadiah Pihak berelasi Rupiah Rupiah
CurrentYearInstant
Tabungan dan tabungan wadiah Savings deposits and wadi
Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang ### Subtotal on all Currencies
Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies
h Savings Deposits (breakdown) - Financial and Sharia Industry
eposits and wadiah savings deposits Tabungan dan tabungan wadiah

Related parties Savings deposits Tabungan Pihak berelasi Rupiah
Mata uang asing
Mata uang asing
Related parties Wadiah savings deposits Tabungan wadiah Pihak berelasi Rupiah
Mata uang asing
Mata uang asing
eposits and wadiah savings deposits Tabungan dan tabungan wadiah

Subtotal on all Parties Savings deposits Tabungan Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang
Subtotal on all Parties Wadiah savings deposits Tabungan wadiah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang
PriorYearInstant
Savings deposits and wadiah savings deposits
### Rupiah Related parties Savings deposits
### Foreign currencies
### Subtotal on all Currencies
### Rupiah Third parties
### Foreign currencies
### Subtotal on all Currencies
Rupiah Related parties Wadiah savings deposits
Foreign currencies
Foreign currencies
PriorYearInstant
Savings deposits and wadiah savings deposits
### Subtotal on all Currencies Subtotal on all Parties Savings deposits
Subtotal on all Currencies Subtotal on all Parties Wadiah savings deposits
[4623100_BD] Notes to the financial statements - Time deposits and Wakalah deposits (breakd
CurrentYearInstant
Deposito berjangka dan deposito wakalah Time deposits and w
Deposito berjangka Pihak berelasi Rupiah ### Rupiah
Deposito wakalah Pihak berelasi Rupiah Rupiah
CurrentYearInstant
Deposito berjangka dan deposito wakalah Time deposits and w
Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang ### Subtotal on all Currencies
Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang Subtotal on all Currencies
eposits (breakdown) - Financial and Sharia Industry
deposits and wakalah deposits Deposito berjangka dan deposito wakalah

Related parties Time deposits Deposito berjangka Pihak berelasi Rupiah ###
Mata uang asing ###
Third parties Pihak ketiga Rupiah ###
Mata uang asing ###
Related parties Wakalah deposits Deposito wakalah Pihak berelasi Rupiah
Mata uang asing
Mata uang asing
deposits and wakalah deposits Deposito berjangka dan deposito wakalah

Subtotal on all Parties Time deposits Deposito berjangka Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang ###
Subtotal on all Parties Wakalah deposits Deposito wakalah Subjumlah Seluruh Pihak Subjumlah Seluruh Mata Uang
PriorYearInstant
Time deposits and wakalah deposits
Rupiah Related parties Time deposits
Foreign currencies
Foreign currencies
Rupiah Related parties Wakalah deposits
Foreign currencies
Foreign currencies
PriorYearInstant
Time deposits and wakalah deposits
Subtotal on all Currencies Subtotal on all Parties Time deposits
Subtotal on all Currencies Subtotal on all Parties Wakalah deposits
[4624100] Notes to the financial statements - Annual average interest rate Third Party Funds -
CurrentYearInstant
Tingkat bunga rata-rata per tahun dana pihak Annual average interest rate third party fund
ketiga
Tingkat bunga giro Rupiah 0.0264 Rupiah
Mata uang asing 0.0289 Foreign currencies
Imbal hasil giro wadiah Rupiah 0,0002 - Rupiah
0,0003
Mata uang asing 0,0000 - Foreign currencies
0,0000
Tingkat bunga tabungan Rupiah 0.005 Rupiah
Imbal hasil tabungan wadiah Rupiah Rupiah
Tingkat bunga deposito berjangka Rupiah 0.0353 Rupiah
Imbal hasil deposito wakalah Rupiah Rupiah
ate Third Party Funds - Financial and Sharia Industry
est rate third party funds Tingkat bunga rata-rata per tahun dana pihak Annual average inter
ketiga
Current accounts interest rate Tingkat bunga giro Rupiah 0.0188
Mata uang asing 0.0044
Wadiah demand deposits return Imbal hasil giro wadiah Rupiah 0,0001 -
0,0003
Mata uang asing 0,0000 -
0,0000
Savings deposits interest rate Tingkat bunga tabungan Rupiah 0.0051
Wadiah savings deposits return Imbal hasil tabungan wadiah Rupiah
Mata uang asing
Time deposits interest rate Tingkat bunga deposito berjangka Rupiah 0.0263
Wakalah deposits return Imbal hasil deposito wakalah Rupiah
Mata uang asing
PriorYearInstant
nnual average interest rate third party funds
Rupiah Current accounts interest rate

Foreign currencies
Rupiah Wadiah demand deposits return
Foreign currencies

Rupiah Savings deposits interest rate
Foreign currencies
Rupiah Wadiah savings deposits return
Foreign currencies
Rupiah Time deposits interest rate
Foreign currencies
Rupiah Wakalah deposits return
Foreign currencies
[4631100] Notes to the financial statements - Interest and Sharia Income - Financial and Sharia
Pendapatan bunga dan syariah Interest and s

Pendapatan bunga dan syariah
Pendapatan bunga
Kredit yang diberikan 84,335,234,000,000 69,373,441,000,000
Obligasi pemerintah 16,410,277,000,000 16,771,870,000,000
Pendapatan pembiayaan konsumen 6,285,050,000,000 4,962,803,000,000
Efek-efek 2,742,203,000,000 2,795,951,000,000

dan bank lain
Lain-lain 750,321,000,000 594,037,000,000
Subjumlah pendapatan bunga 113,747,621,000,000 95,943,875,000,000
Pendapatan syariah dan pendapatan
pengelolaan dana oleh bank sebagai
mudharib
Pendapatan keuntungan murabahah 12,646,821,000,000 11,446,687,000,000
dan pendapatan bersih istishna
Pendapatan bagi hasil musyarakah 5,853,512,000,000 4,727,321,000,000
Pendapatan bagi hasil mudharabah 97,479,000,000 142,040,000,000
Pendapatan ujrah dari pinjaman qardh
Pendapatan bersih ijarah 199,037,000,000 122,195,000,000

Lain-lain
Subjumlah pendapatan syariah dan 18,796,849,000,000 16,438,243,000,000
pendapatan pengelolaan dana oleh
bank sebagai mudharib
Jumlah pendapatan bunga dan syariah 132,544,470,000,000 112,382,118,000,000
nancial and Sharia Industry
Interest and sharia income
Interest and sharia income

Interest income
Loans interest income
Government bonds interest income
Consumer financing receivables - net
interest income
Marketable securities income
banks income
Other interest income
Subtotal interest income
Sharia income
Murabahah and istishna income
Musyrakah profit sharing

Mudharabah profit sharing
Ujrah income from qardh financing
Ijarah income
Other sharia income
Subtotal sharia income
Total interest and sharia income

[4632100] Notes to the financial statements - Interest and Sharia Expense - Financial and Shar
Beban bunga dan syariah Interest and sh

Beban bunga dan syariah
Beban bunga
Deposito berjangka 9,480,299,000,000 7,130,837,000,000
Tabungan 2,082,251,000,000 1,983,441,000,000
Pinjaman yang diterima 4,624,638,000,000 2,509,641,000,000
Premi penjaminan dana pihak ketiga
Giro 10,601,021,000,000 5,517,701,000,000
Efek-efek yang diterbitkan 2,484,487,000,000 2,320,021,000,000
Pinjaman dan efek-efek subordinasi 1,461,000,000 1,788,000,000
Lain-lain 1,390,571,000,000 983,166,000,000
Subjumlah beban bunga 30,664,728,000,000 20,446,595,000,000
Beban syariah dan hak pihak ketiga atas
bagi hasil dana syirkah temporer
Beban deposito mudharabah 4,148,029,000,000 2,874,965,000,000
Beban tabungan mudharabah 466,655,000,000 564,411,000,000
Beban giro mudharabah
Beban pinjamam mudharabah
Beban investasi terikat 119,316,000,000 59,848,000,000
Musytarakah - mudharabah 812,767,000,000 387,406,000,000
musytarakah
Sertifikat investasi mudharabah 192,366,000,000 132,936,000,000
antarbank
Sukuk
Piutang murabahah
Pinjaman qardh
Lain-lain 254,035,000,000 12,603,000,000
Subjumlah beban syariah dan hak 5,993,168,000,000 4,032,169,000,000
pihak ketiga atas bagi hasil dana
syirkah temporer
Jumlah beban bunga dan syariah 36,657,896,000,000 24,478,764,000,000
Financial and Sharia Industry
Interest and sharia expense
Interest and sharia expense

Interest expense
Time deposits interest expense
Saving deposits interest expense
Borrowings interest expense
Premium on third party fund guarantees
Current accounts interest expense
Securities issued interest expense
Subordinated securities interest expense
Others interest expense interest expense
Subtotal interest expense
Sharia expense
Mudharabah deposits expense

Mudharabah savings expense
Mudharabah demand deposits expense
Mudharabah financing expense
Related investment expense
Musytarakah - mudharabah musytarakah
expense
Mudharabah investment certificate
expense
Sukuk expense
Murabahah receivables expense
Qardh fund expense
Other sharia expense
Subtotal sharia expense
Total interest and sharia expense

[4695000_BD] Notes to the financial statements - Borrowings, by creditor, by currency (breakd
CurrentYearInstant
Catatan pinjaman N
Catatan pinjaman [baris komponen]
Pinjaman dalam mata uang asing Pinjaman

Bank Central Asia Tbk IDR 7,925,272,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 7,925,272,000,000 ###
Bank Rakyat Indonesia (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Mandiri (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Syariah Indonesia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Negara Indonesia (Persero) Tbk IDR 960,540,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 960,540,000,000 ###
Bank Jago Tbk IDR 49,875,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 49,875,000,000 ###
Bank Permata Tbk IDR 568,383,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 568,383,000,000 ###
Bank Mega Tbk IDR 216,461,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 216,461,000,000 ###
Bank Mayapada Internasional Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Danamon Indonesia Tbk IDR 1,573,619,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 1,573,619,000,000 ###
Bank BTPN Syariah Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Maybank Indonesia Tbk IDR 1,464,831,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 1,464,831,000,000 ###
Bank Pan Indonesia Tbk IDR 3,993,077,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 3,993,077,000,000 ###
Bank Cimb Niaga Tbk IDR 607,627,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 607,627,000,000 ###
Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Btpn Tbk IDR 250,000,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 250,000,000,000 ###
Bank Tabungan Negara (Persero) Tbk IDR 805,084,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 805,084,000,000 ###
Bank OCBC Nisp Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank KB Bukopin Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank Pembangunan Daerah Jawa Barat dan
IDR 1,443,489,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 1,443,489,000,000 ###
Pinjaman sindikasi IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang
Bank asing lainnya IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD 1,609,707,203,086,000,000 ###
Mata uang lainnya
Mata uang 1,609,707,203,086,000,000 ###
Bank lokal lainnya IDR 19,088,053,000,000 ###
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Mata uang lainnya
Mata uang 19,088,053,000,000 ###
CurrentYearInstant
Catatan pinjaman N

Kreditur nama bank Mata uang 95,445,459,000,000 ###
or, by currency (breakdown) - Financial and Sharia Industry
Notes for borrowings Catatan pinjaman
Bank Central Asia Tbk IDR Bank Central Asia Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Other currency Mata uang lainnya
Currency Mata uang
Bank Rakyat Indonesia (Persero) Tbk IDR Bank Rakyat Indonesia (Persero) Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Mandiri (Persero) Tbk IDR Bank Mandiri (Persero) Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Syariah Indonesia Tbk IDR Bank Syariah Indonesia Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Negara Indonesia (Persero) Tbk IDR Bank Negara Indonesia (Persero) Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Jago Tbk IDR Bank Jago Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Permata Tbk IDR Bank Permata Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Mega Tbk IDR Bank Mega Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Mayapada Internasional Tbk IDR Bank Mayapada Internasional Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Danamon Indonesia Tbk IDR Bank Danamon Indonesia Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank BTPN Syariah Tbk IDR Bank BTPN Syariah Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Maybank Indonesia Tbk IDR Bank Maybank Indonesia Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Pan Indonesia Tbk IDR Bank Pan Indonesia Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Cimb Niaga Tbk IDR Bank Cimb Niaga Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Rakyat Indonesia Agroniaga Tbk IDR Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Btpn Tbk IDR Bank Btpn Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank Tabungan Negara (Persero) Tbk IDR Bank Tabungan Negara (Persero) Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank OCBC Nisp Tbk IDR Bank OCBC Nisp Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Bank KB Bukopin Tbk IDR Bank KB Bukopin Tbk IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
gunan Daerah Jawa Barat dan Banten Tbk IDR Bank Pembangunan Daerah Jawa Barat dan
IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Syndicated bank loans IDR Pinjaman sindikasi IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Other foreign banks IDR Bank asing lainnya IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Other local banks IDR Bank lokal lainnya IDR
AUD AUD
CAD CAD
CNY CNY
EUR EUR
HKD HKD
GBP GBP
JPY JPY
SGD SGD
THB THB
USD USD
Currency Mata uang
Notes for borrowings Catatan pinjaman
Creditor bank name Currency Kreditur nama bank Mata uang

PriorYearInstant
Notes for borrowings

5,732,180,000,000 ### Bank Central Asia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
5,732,180,000,000 ### Currency
Bank Rakyat Indonesia (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
Bank Mandiri (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
Bank Syariah Indonesia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
1,239,578,000,000 ### Bank Negara Indonesia (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
1,239,578,000,000 ### Currency
Bank Jago Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
683,222,000,000 ### Bank Permata Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
683,222,000,000 ### Currency
378,577,000,000 ### Bank Mega Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
378,577,000,000 ### Currency
Bank Mayapada Internasional Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
2,241,928,000,000 ### Bank Danamon Indonesia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
2,241,928,000,000 ### Currency
Bank BTPN Syariah Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
568,732,000,000 ### Bank Maybank Indonesia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
568,732,000,000 ### Currency
3,048,510,000,000 ### Bank Pan Indonesia Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
3,048,510,000,000 ### Currency
391,260,000,000 ### Bank Cimb Niaga Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
391,260,000,000 ### Currency
Bank Rakyat Indonesia Agroniaga Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
Bank Btpn Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
971,126,000,000 ### Bank Tabungan Negara (Persero) Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
971,126,000,000 ### Currency
Bank OCBC Nisp Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
Bank KB Bukopin Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
Currency
750,000,000,000 ### gunan Daerah Jawa Barat dan Banten Tbk IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
750,000,000,000 ### Currency
609,710,000,000 ### Syndicated bank loans IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
Other currency
609,710,000,000 ### Currency
Other foreign banks IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
USD
1,757,374,016,000,000 ### Other currency
1,757,374,016,000,000 ### Currency
18,906,201,000,000 ### Other local banks IDR
AUD
CAD
CNY
EUR
HKD
GBP
JPY
SGD
THB
1,200,752,000,000 ### USD
Other currency
20,106,953,000,000 ### Currency
PriorYearInstant
Notes for borrowings

62,840,118,000,000 ### Creditor bank name Currency

FinancialStatement 2023 Tahunan BMRI

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[1000000] General information

Informasi umum General information

Tanggal Surat Pernyataan Direksi Date Of Board Of Directors' Statement

Laporan posisi keuangan Statement of fina

Giro pada bank lain pihak berelasi 461,097,000,000 110,733,000,000

Cadangan kerugian penurunan nilai (32,205,000,000) (20,285,000,000)

Investasi pemegang polis pada

Pinjaman yang diberikan pihak 238,081,020,000,000 199,385,546,000,000

Cadangan kerugian penurunan nilai

Tagihan anjak piutang pada

Cadangan kerugian penurunan nilai

Deposito berjangka pihak 34,852,981,000,000 30,665,985,000,000

Simpanan dari bank lain

Liabilitas akseptasi pihak ketiga 12,179,627,000,000 10,031,458,000,000

Pinjaman subordinasi pihak 10,000,000,000 87,000,000,000

Cadangan perubahan nilai wajar (1,837,760,000,000) (2,768,553,000,000)

Cadangan keuntungan (kerugian)

Statement of financial position

Statement of financial position

Marketable securities related parties

Allowance for impairment losses for

Investments of policyholder in unit-linked

Bills and other receivables related parties

Allowance for impairment losses for bills

Loans related parties

Allowance for impairment losses for loans

Receivables from clearing and settlement

Allowance for impairment losses for

Musyarakah financing related parties

Allowance for impairment losses for

Factoring receivables on deferred factoring

Allowance for impairment losses for

Non-current assets or disposal groups

Time deposits related parties

Other banks deposits

Other banks deposits third parties

Securities sold with repurchase agreement

Acceptance liabilities third parties

Borrowings related parties

Borrowings payables to clearing and

Subordinated loans related parties

Mudharabah saving deposits related

Mudharabah time deposits related parties

Reserve of gains (losses) from

Reserve of cash flow hedges

General and legal reserves

Total equity attributable to equity owners of

Beban asuransi lainnya

Pendapatan komprehensif lainnya

Penyesuaian reklasifikasi atas aset

Nilai tercatat dari aset (liabilitas) non-

Keuntungan (kerugian) lindung nilai

Bagian pendapatan komprehensif

Penyesuaian lainnya atas

r loss and other comprehensive

Statement of profit or loss and other

Increase (decrease) in liabilities to

Insurance commission expenses

Other insurance expenses

Revenue from finance lease

Revenue from securities administration

Realised gains (losses) on trading of

Gains (losses) on changes in fair value of