Nomor Surat Nama Emiten Kode Emiten Perihal
B.496-/AMK/04/16 Bank Rakyat Indonesia (Persero) Tbk BBRI Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit
Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2016 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Nama PT Bank BRISyariah PT Bank Rakyat Indonesia Agroniaga Tbk. BRI Remittance Co.Limited (Ltd) Hong Kong PT. Asuransi Jiwa Bringin Jiwa Sejahtera
Kegiatan Usaha Perbankan
Lokasi
Status Operasi
Jakarta
Tahun Komersil 2008
Jumlah Aset
Aktif
24.268.704
Perbankan
Jakarta
1990
Aktif
Remittance
Hongkong
2005
Asuransi
Jakarta
1987
Satuan JUTAAN
Mata Uang IDR
Persentase (%) 99.99
8.402.047
JUTAAN
IDR
87.23
Aktif
5.656
JUTAAN
IDR
100.0
Aktif
5.284.981
JUTAAN
IDR
91.0
Dokumen ini merupakan dokumen resmi Bank Rakyat Indonesia (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. Bank Rakyat Indonesia (Persero) Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information Informasi umum
General information 31 March 2016
Nama entitas
Bank Rakyat Indonesia (Persero) Tbk
Penjelasan perubahan nama dari akhir periode laporan sebelumnya Kode entitas Nomor identifikasi entitas Industri utama entitas
BBRI AA426 Keuangan dan Syariah / Financial and Sharia Sektor 8. Finance Subsektor 81. Bank Informasi pemegang saham pengendali Indonesian Government Jenis entitas Local Company - Indonesia Jurisdiction Jenis efek yang dicatatkan Saham dan Obligasi / Stock and Bond Jenis papan perdagangan tempat Utama / Main entitas tercatat Apakah merupakan laporan keuangan Entitas grup / Group entity satu entitas atau suatu kelompok entitas Periode penyampaian laporan Kuartal I / First Quarter keuangan Tanggal awal periode berjalan January 01, 2016 Tanggal akhir periode berjalan March 31, 2016 Tanggal akhir tahun sebelumnya December 31, 2015 Tanggal awal periode sebelumnya January 01, 2015 Tanggal akhir periode sebelumnya March 31, 2015 Mata uang pelaporan Rupiah / IDR Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah Pembulatan yang digunakan dalam Jutaan / In Million penyajian jumlah dalam laporan keuangan Jenis laporan atas laporan keuangan Tidak Diaudit / Unaudit Jenis opini auditor Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu masalah atau paragraf penjelasan lainnya, jika ada Hasil penugasan review Tanggal laporan audit atau hasil laporan review Auditor tahun berjalan Nama partner audit tahun berjalan Lama tahun penugasan partner yang menandatangani Auditor tahun sebelumnya Nama partner audit tahun sebelumnya Kepatuhan terhadap pemenuhan peraturan BAPEPAM LK VIII G 11 tentang tanggung jawab direksi atas laporan keuangan
Ya / Yes
Entity name Explanation of change in name from the end of the preceding reporting period Entity code Entity identification number Entity main industry Sector Subsector Controlling shareholder information Type of entity Type of listed securities Type of board on which the entity is listed Whether the financial statements are of an individual entity or a group of entities Period of financial statements submissions Current period start date Current period end date Prior year end date Prior period start date Prior period end date Description of presentation currency Conversion rate at reporting date if presentation currency is other than rupiah Level of rounding used in financial statements Type of report on financial statements Type of auditor's opinion Matters disclosed in emphasis-of-matter or other-matter paragraph, if any
Result of review engagement Date of auditor's opinion or result of review report Current year auditor Name of current year audit signing partner Number of years served as audit signing partner Prior year auditor Name of prior year audit signing partner Whether in compliance with BAPEPAM LK VIII G 11 rules concerning responsibilities of board of directors on financial statements
Kepatuhan terhadap pemenuhan peraturan BAPEPAM LK VIII A dua tentang independensi akuntan yang memberikan jasa audit di pasar modal
Ya / Yes
Whether in compliance with BAPEPAM LK VIII A two rules concerning independence of accountant providing audit services in capital market
[4220000] Statement of financial position presented using order of liquidity Financial and Sharia Industry Laporan posisi keuangan
Statement of financial position 31 March 2016
Aset Kas Giro pada bank indonesia
31 December 2015
22,254,862 47,888,347
28,771,635 61,717,798
6,135,134
8,667,640
16,459
68,452
36,014,924
48,784,164
552,600
1,050,500
27,154,895
23,342,521
Marketable securities third parties
102,212,421
101,548,772
Marketable securities related parties
( 19,047 )
( 17,746 )
Allowance for impairment losses for marketable securities
17,763,184
845,125
Securities purchased under agreement to resale Bills and other receivables
6,947,891
7,157,449
28,930
123,434
4,414,034
4,451,893
795,995
711,578
Bills and other receivables third parties Bills and other receivables related parties Acceptance receivables Acceptance receivables third parties Acceptance receivables related parties Derivative receivables Derivative receivables third parties Loans Loans third parties
Giro pada bank lain Giro pada bank lain pihak ketiga Giro pada bank lain pihak berelasi Penempatan pada bank indonesia dan bank lain Penempatan pada bank indonesia dan bank lain pihak ketiga Penempatan pada bank indonesia dan bank lain pihak berelasi Efek-efek yang diperdagangkan Efek-efek yang diperdagangkan pihak ketiga Efek-efek yang diperdagangkan pihak berelasi Cadangan kerugian penurunan nilai pada efek-efek yang diperdagangkan Efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan lainnya Wesel ekspor dan tagihan lainnya pihak ketiga Wesel ekspor dan tagihan lainnya pihak berelasi Tagihan akseptasi Tagihan akseptasi pihak ketiga Tagihan akseptasi pihak berelasi Tagihan derivatif Tagihan derivatif pihak ketiga Pinjaman yang diberikan Pinjaman yang diberikan pihak ketiga Pinjaman yang diberikan pihak berelasi Cadangan kerugian
Assets Cash Current accounts with bank Indonesia Current accounts with other banks Current accounts with other banks third parties Current accounts with other banks related parties Placements with bank Indonesia and other banks Placements with bank Indonesia and other banks third parties Placements with bank Indonesia and other banks related parties Marketable securities
13,113
483,443,813
471,350,379
83,973,095
93,130,159
Loans related parties
( 18,808,949 )
( 17,162,183 )
Allowance for impairment
penurunan nilai pada pinjaman yang diberikan Piutang murabahah Piutang murabahah pihak ketiga Piutang murabahah pihak berelasi Cadangan kerugian penurunan nilai pada piutang murabahah Piutang istishna Piutang istishna pihak ketiga Cadangan kerugian penurunan nilai pada piutang istishna Piutang ijarah Piutang ijarah pihak ketiga Piutang ijarah pihak berelasi Pinjaman qardh Pinjaman qardh pihak ketiga Pinjaman qardh pihak berelasi Cadangan kerugian penurunan nilai pada pinjaman qardh Pembiayaan mudharabah Pembiayaan mudharabah pihak ketiga Cadangan kerugian penurunan nilai pada pembiayaan mudharabah Pembiayaan musyarakah Pembiayaan musyarakah pihak ketiga Cadangan kerugian penurunan nilai pada pembiayaan musyarakah Obligasi pemerintah Aset pajak tangguhan Investasi yang dicatat dengan menggunakan metode ekuitas Investasi pada entitas anak, ventura bersama, dan entitas asosiasi Investasi pada entitas anak Investasi pada entitas asosiasi Aset tetap Aset lainnya Jumlah aset Liabilitas, dana syirkah temporer dan ekuitas Liabilitas Liabilitas segera Simpanan nasabah
losses for loans
10,185,247
9,988,662
12,502
14,612
( 229,742 )
( 222,925 )
7,117
7,428
( 60 )
( 187 )
20,545 25,714
345,544.361 77.639 ( 4,751 )
398,796
Murabahah receivables Murabahah receivables third parties Murabahah receivables related parties Allowance for impairment losses for murabahah receivables Istishna receivables Istishna receivables third parties Allowance for impairment losses for istishna receivables Ijarah receivables Ijarah receivables third parties Ijarah receivables related parties Qardh funds Qardh funds third parties
77 Qardh funds related parties ( 11,338 )
1,182,976
1,121,466
( 12,386 )
( 14,901 )
5,125,291
5,036,706
( 101,086 )
( 102,901 )
3,817,795 1,581,103 269,002
3,815,958 1,983,774 262,891
1,646 793
1,646 4,593
8,445,145 13,530,783 864,938,698
8,039,280 13,514,846 878,426,312
13,649,498
5,138,562
Allowance for impairment losses for qardh funds Mudharabah financing Mudharabah financing third parties Allowance for impairment losses for mudharabah financing Musyarakah financing Musyarakah financing third parties Allowance for impairment losses for musyarakah financing Government bonds Deferred tax assets Investments accounted for using equity method Investments in subsidiaries, joint ventures and associates Investments in subsidiaries Investments in associates Property and equipment Other assets Total assets Liabilities, temporary syirkah funds and equity Liabilities Obligations due immediately Customers Deposits
Giro Giro pihak ketiga Giro pihak berelasi
73,960,498
79,727,184
34,697,174
33,702,159
973,688
933,197
14,661
4,548
249,264,529
267,911,092
125,079
147,773
3,651,020
3,711,483
5,403
4,446
212,589,108
206,195,338
67,846,295
61,689,066
9,386,641 7,065,363
11,165,073 11,377,958
118,020
445,753
Giro wadiah Giro wadiah pihak ketiga Giro wadiah pihak berelasi Tabungan Tabungan pihak ketiga Tabungan pihak berelasi Tabungan wadiah Tabungan wadiah pihak ketiga Tabungan wadiah pihak berelasi Deposito berjangka Deposito berjangka pihak ketiga Deposito berjangka pihak berelasi Simpanan dari bank lain Efek yang dijual dengan janji untuk dibeli kembali Liabilitas derivatif Liabilitas derivatif pihak ketiga Liabilitas derivatif pihak berelasi Liabilitas akseptasi Pinjaman yang diterima Pinjaman yang diterima pihak ketiga Pinjaman yang diterima pihak berelasi Efek yang diterbitkan Obligasi Surat utang jangka menengah Estimasi kerugian komitmen dan kontinjensi Utang pajak Liabilitas lainnya Kewajiban imbalan pasca kerja Pinjaman subordinasi Pinjaman subordinasi pihak ketiga Jumlah liabilitas Dana syirkah temporer Bukan bank Tabungan
2,236 5,210,029
5,163,471
24,587,390
35,380,358
100,000
100,000
13,980,737 673,493
9,847,610 673,493
991
1,242
2,082,337 8,172,223 8,287,603
1,497,262 7,392,766 8,063,738
56,236
56,468
736,500,252
750,330,040
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 Other banks deposits Securities sold with repurchase agreement Derivative payables Derivative payables third parties Derivative payables related parties Acceptance payables Borrowings Borrowings third parties Borrowings related parties Securities issued Bonds Mid-term loans Estimated losses on commitments and contingencies Taxes payable Other liabilities post-employment benefit obligations Subordinated loans Subordinated loans third parties Total liabilities Temporary syirkah funds Non-banks Mudharabah saving
mudharabah Tabungan mudharabah pihak ketiga Tabungan mudharabah pihak berelasi Deposito berjangka mudharabah Deposito berjangka mudharabah pihak ketiga Deposito berjangka mudharabah pihak berelasi Bank Deposito berjangka mudharabah Jumlah dana syirkah temporer Ekuitas Ekuitas yang diatribusikan kepada pemilik entitas induk Saham biasa Tambahan modal disetor Saham tresuri Komponen ekuitas lainnya Saldo laba (akumulasi kerugian) Saldo laba yang telah ditentukan penggunaanya Cadangan umum dan wajib Cadangan khusus Saldo laba yang belum ditentukan penggunaannya Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk Kepentingan non-pengendali Jumlah ekuitas Jumlah liabilitas, dana syirkah temporer dan ekuitas
831,024
259
14,680,839
96,330
15,608,452
6,167,291 2,773,858
deposits 696,198 Mudharabah saving deposits third parties Mudharabah saving deposits related parties Mudharabah time deposits 14,058,802 Mudharabah time deposits third parties 214,093
Mudharabah time deposits related parties
Bank Mudharabah time deposits 14,969,093 Total temporary syirkah funds Equity Equity attributable to equity owners of parent entity 6,167,291 Common stocks 2,773,858 Additional paid-in capital
( 2,418,948 ) 653,037
( 2,286,375 ) ( 554,934 )
3,022,685
3,022,685
Treasury stocks Other components of equity Retained earnings (deficit) Appropriated retained earnings
15,093,056
General and legal reserves 15,093,056 Specific reserves
87,231,210
88,617,280
112,522,189
307,805 112,829,994 864,938,698
Unappropriated retained earnings
112,832,861 Total equity attributable to equity owners of parent entity 294,318 Non-controlling interests 113,127,179 878,426,312
Total equity Total liabilities, temporary syirkah funds and equity
[4322000] Statement of profit or loss and other comprehensive income, OCI components presented before tax, by nature - Financial and Sharia Industry Laporan laba rugi dan penghasilan komprehensif lain
Statement of profit or loss and other comprehensive income 31 March 2016
Pendapatan dan beban operasional Pendapatan bunga Beban bunga Pendapatan asuransi Pendapatan dari premi asuransi Beban asuransi Beban klaim Pendapatan sekuritas Keuntungan (kerugian) dari transaksi perdagangan efek yang telah direalisasi Pendapatan operasional lainnya Pendapatan provisi dan komisi dari transaksi lainnya selain kredit Penerimaan kembali aset yang telah dihapusbukukan Keuntungan (kerugian) selisih kurs mata uang asing Pendapatan operasional lainnya Pemulihan penyisihan kerugian penurunan nilai Pemulihan penyisihan kerugian penurunan nilai aset non-keuangan Pemulihan penyisihan estimasi kerugian atas komitmen dan kontinjensi Pembentukan kerugian penurunan nilai Pembentukan penyisihan kerugian penurunan nilai aset produktif Beban operasional lainnya Beban umum dan administrasi Beban provisi dan komisi Beban operasional lainnya Jumlah laba operasional Pendapatan dan beban bukan operasional Pendapatan bukan operasional
31 March 2015
22,752,189 ( 6,909,361 )
20,868,394 ( 7,358,795 )
569,989
( 558,115 ) 3,359
6,762
1,966,514
1,747,130
Operating income and expenses Interest income Interest expenses Insurance income Revenue from insurance premiums Insurance expenses Claim expenses Securities income Realised gains (losses) on trading of marketable securities Other operating income
601,849
Provisions and commissions income from transactions other than loan 455,484 Revenue from recovery of written-off assets 164,568 Gains (losses) on changes in foreign exchange rates
893,758
401,568
Other operating income Recovery of impairment loss
( 42,228 )
251
( 3,606,768 )
( 2,562,333 ) ( 44,629 ) ( 5,906,675 )
Recovery of impairment loss of non-financial assets Recovery of estimated loss of commitments and contingency Allowances for impairment losses ( 1,565,380 ) Allowances for impairment losses on earnings assets Other operating expenses ( 2,260,981 ) General and administrative expenses ( 570 ) Other fees and commissions expenses ( 5,119,595 ) Other operating expenses
7,157,800
7,338,585
581,837
292,346
Total profit from operation Non-operating income and expense Non-operating income
Jumlah laba (rugi) sebelum pajak penghasilan Pendapatan (beban) pajak Jumlah laba (rugi) Pendapatan komprehensif lainnya, sebelum pajak Pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Pendapatan komprehensif lainnya atas pengukuran kembali kewajiban manfaat pasti, sebelum pajak Jumlah pendapatan komprehensif lainnya yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Keuntungan (kerugian) selisih kurs penjabaran, sebelum pajak Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan yang tersedia untuk dijual, sebelum pajak Jumlah pendapatan komprehensif lainnya yang akan direklasifikasi ke laba rugi, sebelum pajak Jumlah pendapatan komprehensif lainnya, sebelum pajak Pajak atas pendapatan komprehensif lainnya Jumlah pendapatan komprehensif lainnya, setelah pajak Jumlah laba rugi komprehensif Laba (rugi) yang dapat diatribusikan Laba (rugi) yang dapat diatribusikan ke entitas induk Laba (rugi) yang dapat diatribusikan ke kepentingan non-pengendali Laba rugi komprehensif yang dapat diatribusikan Laba rugi komprehensif yang dapat diatribusikan ke entitas induk Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali Laba (rugi) per saham Laba per saham dasar diatribusikan kepada pemilik entitas induk Laba (rugi) per saham
7,739,637
7,630,931
Total profit (loss) before tax
( 1,487,826 ) 6,251,811
( 1,483,540 ) 6,147,391
( 32,322 )
( 1,094,150 )
( 32,322 )
( 1,094,150 )
( 5,700 )
15,690
1,652,159
566,173
Tax benefit (expenses) 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 remeasurement of defined benefit obligation, 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 Unrealised gains (losses) on changes in fair value of available-for-sale financial assets, before tax
1,646,459
1,614,137
581,863 Total other comprehensive income that may be reclassified to profit or loss, before tax ( 512,287 ) Total other comprehensive income, before tax
( 404,960 )
131,995
1,209,177
( 380,292 )
7,460,988
5,767,099
6,245,486
6,143,390
6,325
4,001
7,453,457
5,761,481
7,531
5,618
253.38
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 249.03 Basic earnings (loss) per
dasar dari operasi yang dilanjutkan
share from continuing operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year 31 March 2016 Laporan perubahan ekuitas
Posisi ekuitas Saldo awal periode sebelum penyajian kembali Posisi ekuitas, awal periode Laba (rugi) Pendapatan komprehensif lainnya Distribusi dividen saham Perubahan kepentingan non-pengendali atas pendirian entitas anak Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali Transaksi ekuitas lainnya Posisi ekuitas, akhir periode
Statement of changes in equity Saham biasa
Tambahan modal disetor
Saham tresuri
Komponen transaksi ekuitas lainnya
Common stocks
Additional paid-in capital
Treasury stocks
Other components of equity transactions
Saldo laba yang telah ditentukan penggunaannya-cadangan umum dan wajib Appropriated retained earnings-general and legal reserves
Saldo laba yang telah ditentukan penggunaannya-cadangan khusus
Saldo laba yang belum ditentukan penggunaannya
Ekuitas yang dapat diatribusikan kepada entitas induk
Kepentingan non-pengendali
Ekuitas
Appropriated retained earnings-specific reserves
Unappropriated retained earnings
Equity attributable to parent entity
Non-controlling interests
Equity
6,167,291
2,773,858
( 2,286,375 )
( 554,934 )
3,022,685
15,093,056
88,617,280
112,832,861
294,318
113,127,179
6,167,291
2,773,858
( 2,286,375 )
( 554,934 )
3,022,685
15,093,056
88,617,280
112,832,861
294,318
113,127,179
6,245,486
6,245,486 1,207,971 ( 7,619,322 )
6,325 1,206
6,251,811 1,209,177 ( 7,619,322 ) 5,956
1,207,971 ( 7,619,322 )
5,956
6,167,291
2,773,858
( 132,573 ) ( 2,418,948 )
653,037
3,022,685
15,093,056
( 12,234 )
( 12,234 )
87,231,210
( 132,573 ) 112,522,189
Equity position Balance before restatement at beginning of period Equity position, beginning of the period Profit (loss) Other comprehensive income Distributions of stock dividends Changes in non-controlling interests due to establishment of subsidiaries
( 12,234 ) Changes in non-controlling interests due to other transactions with non-controlling interests
307,805
( 132,573 ) 112,829,994
Other equity transactions Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year 31 March 2015 Laporan perubahan ekuitas
Posisi ekuitas Saldo awal periode sebelum penyajian kembali Posisi ekuitas, awal periode Laba (rugi) Pendapatan komprehensif lainnya Distribusi dividen kas Distribusi dividen saham Transaksi ekuitas lainnya Posisi ekuitas, akhir periode
Statement of changes in equity Saham biasa
Tambahan modal disetor
Kepentingan ekuitas lainnya
Common stocks
Additional paid-in capital
Other equity interests
Saldo laba yang telah ditentukan penggunaannya-cadangan umum dan wajib Appropriated retained earnings-general and legal reserves
Saldo laba yang telah ditentukan penggunaannya-cadangan khusus
Saldo laba yang belum ditentukan penggunaannya
Ekuitas yang dapat diatribusikan kepada entitas induk
Kepentingan non-pengendali
Ekuitas
Appropriated retained earnings-specific reserves
Unappropriated retained earnings
Equity attributable to parent entity
Non-controlling interests
Equity
6,167,291
2,773,858
( 18,273 )
3,022,685
12,426,475
73,158,614
97,530,650
175,184
97,705,834
6,167,291
2,773,858
( 18,273 )
3,022,685
12,426,475
73,158,614
97,530,650
175,184
97,705,834
6,143,390
6,143,390 ( 381,909 )
4,001 1,617
6,147,391 ( 380,292 )
5,618 180,802
( 7,272,495 ) 5,618 96,200,438
( 381,909 ) 2,666,581
6,167,291
2,773,858
( 400,182 )
3,022,685
15,093,056
( 2,666,581 ) ( 7,272,495 )
( 7,272,495 )
69,362,928
96,019,636
Equity position Balance before restatement at beginning of period Equity position, beginning of the period Profit (loss) Other comprehensive income Distributions of cash dividends Distributions of stock dividends Other equity transactions Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry Laporan arus kas
Statement of cash flows 31 March 2016
Arus kas dari aktivitas operasi Arus kas sebelum perubahan dalam aset dan liabilitas operasi Penerimaan bunga, hasil investasi, provisi, dan komisi Pembayaran bunga dan bonus, provisi dan komisi Penerimaan pendapatan pengelolaan dana sebagai mudharib Pembayaran bagi hasil dana syirkah temporer Penerimaan premi asuransi Pendapatan dari transaksi operasional lainnya Penerimaan kembali aset yang telah dihapusbukukan Pembayaran beban operasional lainnya Penerimaan pendapatan non-operasional Penurunan (kenaikan) aset operasi Penurunan (kenaikan) penempatan pada bank lain dan bank indonesia Penurunan (kenaikan) efek yang diperdagangkan Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali Penurunan (kenaikan) wesel ekspor dan tagihan lainnya Penurunan (kenaikan) pinjaman yang diberikan Penurunan (kenaikan) piutang dan pembiayaan syariah Penurunan (kenaikan) piutang murabahah Penurunan (kenaikan) piutang istishna Penurunan (kenaikan) pinjaman qardh Penurunan (kenaikan) pembiayaan mudharabah Penurunan (kenaikan)
22,422,602
( 6,355,993 )
653,394
( 274,776 )
31 March 2015
Cash flows from operating activities Cash flows before changes in operating assets and liabilities 20,114,304 Interest, investment income, fees and commissions received ( 7,138,929 ) Payments Of Interest And Bonus Fees And Commissions 610,708 Revenue receipts from fund management as mudharib ( 252,252 )
11,874 2,276,136
2,844,360
601,849
455,484
( 8,112,921 )
( 5,428,099 )
578,932
287,577
100,000
454,751
( 480,697 )
( 16,918,059 )
20,542,905
304,062
( 3,170,705 )
( 4,913,583 )
15,956,551
( 134,592 )
( 224,058 )
( 2,215 )
22,271
( 201,201 )
( 226,469 )
215,098
105,869
( 122,633 )
380,871
Payments of temporary syirkah funds Receipts from insurance premiums Income from other operating transactions Recoveries of written off assets Payments for other operating expenses Receipts from non-operating income 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 bills and other receivables Decrease (increase) in loans Decrease (increase) in sharia financing and receivables Decrease (increase) in murabahah receivables Decrease (increase) in istishna receivables Decrease (increase) in qardh funds Decrease (increase) in mudharabah financing Decrease (increase) in
pembiayaan musyarakah Penurunan (kenaikan) aset reasuransi Kenaikan (penurunan) liabilitas operasi Kenaikan (penurunan) liabilitas segera Kenaikan (penurunan) giro dan tabungan simpanan nasabah Kenaikan (penurunan) deposito berjangka nasabah Kenaikan (penurunan) giro wadiah simpanan nasabah Kenaikan (penurunan) tabungan wadiah simpanan nasabah Kenaikan (penurunan) simpanan dari bank lain Kenaikan (penurunan) tabungan mudharabah Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali Kenaikan (penurunan) liabilitas lainnya Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi Arus kas dari aktivitas investasi Penerimaan dari penjualan (perolehan) aset tetap Pencairan (penempatan) efek-efek yang diperdagangkan Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi Arus kas dari aktivitas pendanaan Kenaikan (penurunan) efek yang diterbitkan Pembayaran pinjaman yang diterima Pembayaran pinjaman subordinasi Penjualan (pembelian) dari saham tresuri Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan Jumlah kenaikan (penurunan) bersih kas dan setara kas
musyarakah financing ( 982,766 )
866,586 ( 23,440,928 )
13,055,273
( 392,388 )
Decrease (increase) in reinsurance assets Increase (decrease) in operating liabilities ( 1,053,511 ) Increase (decrease) in obligations due immediately ( 17,120,795 ) Increase (decrease) in current accounts and customers savings 5,159,266 Increase (decrease) in customers time deposits
50,604
485,756
( 59,506 )
( 470 )
( 1,778,432 )
10,566,807
135,085
91,274
( 4,312,595 )
1,021,361
475,078
( 299,380 )
( 25,408,876 )
42,857,611
( 698,851 )
( 726,119 )
952,249
( 26,864,326 )
52
168
253,450
( 27,590,277 )
4,380,704
( 165,000 )
( 10,922,143 )
( 4,804,897 )
( 232 )
( 306 )
( 132,573 ) ( 6,674,244 )
( 4,970,203 )
( 31,829,670 )
10,297,131
Increase (decrease) in customers wadiah demand deposits Increase (decrease) in customers wadiah saving deposits Increase (decrease) in other banks saving deposits Increase (decrease) in mudharabah savings deposits Increase (decrease) in securities sold under repurchase agreement Increase (decrease) in other liabilities Total net cash flows received from (used in) operating activities Cash flows from investing activities Proceeds from disposal (acquisition) of property and equipment Withdrawal (placement) of marketable securities Other cash inflows (outflows) from investing activities Total net cash flows received from (used in) investing activities Cash flows from financing activities Increase (decrease) in securities issued Payments for borrowings Payments of subordinated loans Sales (purchase) of treasury stocks Total net cash flows received from (used in) financing activities Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode Efek perubahan nilai kurs pada kas dan setara kas Kas dan setara kas arus kas, akhir periode
163,388,757
172,731,255
( 9,656 )
846
131,549,431
183,029,232
Cash and cash equivalents cash flows, beginning of the period Effect of exchange rate changes on cash and cash equivalents Cash and cash equivalents cash flows, end of the period
