Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2018 dengan ikhtisar sebagai berikut :

Transkripsi

1 Nomor Surat Nama Emiten Kode Emiten Perihal 084/DCS/2018 Bank Central Asia Tbk BBCA Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit Perseroan dengan ini menyampaikan laporan keuangan untuk periode 3 Bulan yang berakhir pada 31/03/2018 dengan ikhtisar sebagai berikut : Informasi mengenai anak perusahaan Perseroan sebagai berikut : No Nama Kegiatan Usaha 1 BCA Finance Limited 2 PT BCA Finance 3 PT Bank BCA Syariah 4 PT BCA Sekuritas 5 PT Asuransi Umum BCA 6 PT Central Santosa Finance 7 PT Central Capital Ventura 8 PT Asuransi Jiwa BCA Money lending dan remittance Pembiayaan investasi, modal kerja, pembiayaan multiguna, sewa operasi, keg pembiayaan lain brdsrkn persetujuan instansi yg berwenang perbankan syariah Perantara perdagangan efek dan penjamin emisi efek Asuransi umum atau kerugian Pembiayaan investasi, modal kerja, pembiayaan multiguna, sewa operasi, keg pembiayaan lain brdsrkn persetujuan instansi yg berwenang Lokasi Tahun Komersil Status Operasi Jumlah Aset Satuan Mata Uang Persentase (%) Hong Kong 1975 Beroperasi JUTAAN IDR Jakarta 1981 Beroperasi JUTAAN IDR Jakarta 1991 Beroperasi JUTAAN IDR Jakarta 1990 Beroperasi JUTAAN IDR 90.0 Jakarta 1988 Beroperasi JUTAAN IDR Jakarta 2010 Beroperasi JUTAAN IDR Modal ventura Jakarta 2017 Beroperasi JUTAAN IDR Asuransi Jiwa Jakarta 2014 Beroperasi JUTAAN IDR 90.0 Dokumen ini merupakan dokumen resmi Bank Central Asia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. Bank Central Asia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.

2 [ ] General information Informasi umum 31 March 2018 General information Nama entitas Bank Central Asia Tbk Entity name Penjelasan perubahan nama dari akhir periode laporan sebelumnya Explanation of change in name from the end of the preceding reporting period Kode entitas BBCA Entity code Nomor identifikasi entitas AA331 Entity identification number Industri utama entitas Keuangan dan Syariah / Entity main industry Financial and Sharia Sektor 8. Finance Sector Subsektor 81. Bank Subsector Informasi pemegang saham pengendali National Corporation Controlling shareholder information Jenis entitas Local Company - Indonesia Type of entity Jurisdiction Jenis efek yang dicatatkan Saham / Stock Type of listed securities Jenis papan perdagangan tempat entitas tercatat Utama / Main Type of board on which the entity is listed Apakah merupakan laporan keuangan satu entitas atau suatu kelompok entitas Entitas grup / Group entity Whether the financial statements are of an individual entity or a group of entities Periode penyampaian laporan keuangan Kuartal I / First Quarter Period of financial statements submissions Tanggal awal periode berjalan January 01, 2018 Current period start date Tanggal akhir periode berjalan March 31, 2018 Current period end date Tanggal akhir tahun sebelumnya December 31, 2017 Prior year end date Tanggal awal periode sebelumnya January 01, 2017 Prior period start date Tanggal akhir periode sebelumnya March 31, 2017 Prior period end date Mata uang pelaporan Rupiah / IDR Description of presentation currency Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah 13,767.5 Conversion rate at reporting date if presentation currency is other than rupiah Pembulatan yang digunakan dalam penyajian jumlah dalam laporan keuangan Jutaan / In Million Level of rounding used in financial statements Jenis laporan atas laporan keuangan Tidak Diaudit / Unaudit Type of report on financial statements Jenis opini auditor Type of auditor's opinion Hal yang diungkapkan dalam paragraf pendapat untuk penekanan atas suatu Matters disclosed in emphasis-of-matter or other-matter paragraph, if any masalah atau paragraf penjelasan, jika ada Hasil penugasan review Result of review engagement Tanggal laporan audit atau hasil laporan review Date of auditor's opinion or result of review report Auditor tahun berjalan Current year auditor Nama partner audit tahun berjalan Name of current year audit signing partner Lama tahun penugasan partner yang menandatangani Number of years served as audit signing partner Auditor tahun sebelumnya Prior year auditor Nama partner audit tahun sebelumnya Name of prior year audit signing partner Kepatuhan terhadap pemenuhan peraturan BAPEPAM LK VIII G 11 tentang tanggung jawab direksi atas laporan keuangan Kepatuhan terhadap pemenuhan peraturan BAPEPAM LK VIII A dua Ya / Yes Ya / Yes Whether in compliance with BAPEPAM LK VIII G 11 rules concerning responsibilities of board of directors on financial statements Whether in compliance with BAPEPAM LK VIII A two rules concerning

3 tentang independensi akuntan yang memberikan jasa audit di pasar modal independence of accountant providing audit services in capital market

4 [ ] Statement of financial position presented using order of liquidity - Financial and Sharia Industry Laporan posisi keuangan 31 March December 2017 Statement of financial position Aset Assets Kas 15,884,001 16,754,289 Cash Giro pada bank indonesia 42,964,484 43,472,752 Current accounts with bank Indonesia Giro pada bank lain Current accounts with other banks Giro pada bank lain pihak 10,899,830 9,093,572 Current accounts with other banks third parties Penempatan pada bank indonesia dan bank lain Placements with bank Indonesia and other banks Penempatan pada bank indonesia dan bank lain pihak Efek-efek yang diperdagangkan Efek-efek yang diperdagangkan pihak Efek yang dibeli dengan janji dijual kembali Wesel ekspor dan tagihan Wesel ekspor dan tagihan pihak Cadangan kerugian penurunan nilai pada wesel ekspor dan tagihan Tagihan akseptasi Tagihan akseptasi pihak Cadangan kerugian penurunan nilai pada tagihan akseptasi Tagihan derivatif Tagihan derivatif pihak Pinjaman yang diberikan Pinjaman yang diberikan pihak Pinjaman yang diberikan pihak berelasi Cadangan kerugian penurunan nilai pada pinjaman yang diberikan Piutang nasabah Piutang nasabah pihak Cadangan kerugian penurunan nilai pada piutang nasabah Piutang pembiayaan konsumen 14,244,376 18,969,682 Placements with bank Indonesia and other banks third parties Marketable securities 13,224,237 5,890,927 Marketable securities third parties 13,720,573 9,258,767 Securities purchased under agreement to resale Bills and other receivables 6,758,697 6,619,177 Bills and other receivables third parties ( 6,520 ) ( 4,822 ) Allowance for impairment losses for bills and other receivables Acceptance receivables 10,702,956 10,316,068 Acceptance receivables third parties ( 415,354 ) ( 416,642 ) Allowance for impairment losses for acceptance receivables Derivative receivables 118, ,375 Derivative receivables third parties Loans 469,053, ,936,383 Loans third parties 1,104,052 3,572,442 Loans related parties ( 13,261,543 ) ( 13,243,869 ) Allowance for impairment losses for loans Receivables from customers 4,291,323 4,191,102 Receivables from customers third parties ( 70,132 ) ( 64,773 ) Allowance for impairment losses for receivables from customers Consumer financing receivables

5 Piutang pembiayaan konsumen pihak 7,667,262 8,884,503 Consumer financing receivables third parties Cadangan kerugian penurunan nilai pada piutang pembiayaan ( 345,343 ) ( 377,520 ) Allowance for impairment losses for consumer financing receivables konsumen Investasi sewa Lease investments Investasi sewa pihak 191, ,370 Lease investments third parties Cadangan kerugian penurunan nilai pada investasi sewa ( 6,636 ) ( 1,943 ) Allowance for impairment losses for lease investments Aset keuangan 116,358, ,038,956 Other financial assets Obligasi pemerintah 16,579,072 17,052,207 Government bonds Biaya dibayar dimuka 1,551,177 1,286,094 Prepaid expenses Pajak dibayar dimuka 2, Prepaid taxes Aset pajak tangguhan 2,923,623 3,219,241 Deferred tax assets Goodwill 123, ,835 Goodwill Aset takberwujud selain goodwill 650, ,303 Intangible assets other than goodwill Aset tetap 16,874,656 16,868,949 Property and equipment Aset 8,068,128 9,827,208 Other assets Jumlah aset 759,850, ,319,671 Total assets Liabilitas, dana syirkah temporer dan ekuitas Liabilitas Liabilities, temporary syirkah funds and equity Liabilities Dana simpanan syariah 457, ,698 Sharia deposits Simpanan nasabah Customers Deposits Giro Current accounts Giro pihak 152,382, ,104,499 Current accounts third parties Giro pihak berelasi 1,430,780 1,145,406 Current accounts related parties Tabungan Savings Tabungan pihak 296,343, ,554,813 Savings third parties Tabungan pihak berelasi Deposito berjangka Deposito berjangka pihak Deposito berjangka pihak berelasi 903, ,916 Savings related parties Time deposits 131,957, ,165,263 Time deposits third parties 500,836 1,283,545 Time deposits related parties Simpanan dari bank lain 6,940,567 5,758,414 Other banks deposits Efek yang dijual dengan janji untuk dibeli kembali 178,052 96,225 Securities sold with repurchase agreement Liabilitas derivatif Derivative payables Liabilitas derivatif pihak 165,775 53,843 Derivative payables third parties Liabilitas akseptasi 5,812,748 5,800,477 Acceptance payables Pinjaman yang diterima Borrowings Pinjaman yang diterima 2,036,278 3,040,602 Borrowings third parties pihak Efek yang diterbitkan Securities issued Obligasi 209, ,499 Bonds Surat utang jangka 0 0 Mid-term loans menengah Utang pajak 579, ,398 Taxes payable Liabilitas 12,861,782 11,332,381 Other liabilities

6 Kewajiban imbalan pasca kerja 6,520,200 6,506,283 post-employment benefit obligations Jumlah liabilitas 619,280, ,940,262 Total liabilities Dana syirkah temporer Temporary syirkah funds Bukan bank Non-banks Tabungan mudharabah Mudharabah saving deposits Tabungan mudharabah pihak Deposito berjangka mudharabah Deposito berjangka mudharabah pihak Bank Deposito berjangka mudharabah Jumlah dana syirkah temporer Ekuitas Ekuitas yang diatribusikan kepada pemilik entitas induk 208, ,774 Mudharabah saving deposits third parties Mudharabah time deposits 3,909,637 3,812,941 Mudharabah time deposits third parties Bank Mudharabah time deposits 4,117,680 3,977,715 Total temporary syirkah funds Equity Equity attributable to equity owners of parent entity Saham biasa 1,540,938 1,540,938 Common stocks Tambahan modal 5,548,977 5,548,977 Additional paid-in capital disetor Cadangan revaluasi 6,587,497 6,587,497 Revaluation reserves Cadangan selisih kurs 357, ,100 Reserve of exchange penjabaran differences on Cadangan perubahan nilai wajar aset keuangan tersedia untuk dijual Komponen ekuitas Saldo laba (akumulasi kerugian) Saldo laba yang telah ditentukan penggunaanya Cadangan umum dan wajib Saldo laba yang belum ditentukan penggunaannya Jumlah ekuitas yang diatribusikan kepada pemilik entitas induk Kepentingan non-pengendali translation 1,008,413 1,274,336 Reserve for changes in fair value of available-for-sale financial assets 1,385 1,385 Other components of equity Retained earnings (deficit) Appropriated retained earnings 1,463,952 1,463,952 General and legal reserves 119,846, ,534,370 Unappropriated retained earnings 136,354, ,303,555 Total equity attributable to equity owners of parent entity 98,359 98,139 Non-controlling interests Jumlah ekuitas 136,452, ,401,694 Total equity Jumlah liabilitas, dana syirkah 759,850, ,319,671 Total liabilities, temporary temporer dan ekuitas syirkah funds and equity

7 [ ] 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 31 March March 2017 Statement of profit or loss and other comprehensive income Pendapatan dan beban operasional Operating income and expenses Pendapatan bunga 13,427,568 12,931,378 Interest income Beban bunga ( 2,656,046 ) ( 2,865,320 ) Interest expenses Pendapatan operasional Other operating income Pendapatan transaksi perdagangan 552, ,593 Revenue from trading transactions Pendapatan dividen Dividends income Keuntungan (kerugian) yang telah direalisasi atas 34, ,944 Realised gains (losses) from derivative instruments instrumen derivatif Pendapatan operasional 3,317,906 2,993,277 Other operating income Pemulihan penyisihan kerugian penurunan nilai Recovery of impairment loss Pemulihan penyisihan kerugian penurunan nilai aset keuangan Pembentukan kerugian penurunan nilai Pembentukan penyisihan kerugian penurunan nilai aset produktif Pembentukan penyisihan kerugian penurunan nilai aset non-produktif Beban operasional Beban umum dan administrasi Beban provisi dan komisi ( ) 1,196,304 1,505,721 Recovery of impairment loss of financial assets Allowances for impairment losses ( 1,384,482 ) ( 1,753,705 ) Allowances for impairment losses on earnings assets ( 0 ) ( 262 ) Allowances for impairment losses on non-earnings assets Other operating expenses ( 2,790,409 ) ( 2,537,574 ) General and administrative expenses 569 ( 726 ) Other fees and commissions expenses ( 4,806,776 ) ( 4,449,802 ) Other operating expenses Beban operasional Jumlah laba operasional 6,890,621 6,267,524 Total profit from operation Jumlah laba (rugi) sebelum pajak 6,890,621 6,267,524 Total profit (loss) before tax penghasilan Pendapatan (beban) pajak ( 1,382,094 ) ( 1,278,772 ) Tax benefit (expenses) Jumlah laba (rugi) dari operasi 5,508,527 4,988,752 Total profit (loss) from continuing yang dilanjutkan operations Jumlah laba (rugi) 5,508,527 4,988,752 Total profit (loss) Pendapatan komprehensif, sebelum pajak Pendapatan komprehensif yang tidak akan direklasifikasi ke laba rugi, sebelum pajak Pendapatan komprehensif atas keuntungan Other comprehensive income, before tax Other comprehensive income that will not be reclassified to profit or loss, before tax 0 0 Other comprehensive income for gains (losses)

8 (kerugian) hasil revaluasi aset tetap, sebelum pajak on revaluation of property and equipment, before tax Pendapatan komprehensif atas pengukuran kembali kewajiban manfaat pasti, sebelum pajak 661 ( 841 ) Other comprehensive income for remeasurement of defined benefit obligation, before tax Jumlah pendapatan komprehensif yang tidak akan direklasifikasi ke laba rugi, sebelum pajak 661 ( 841 ) Total other comprehensive income that will not be reclassified to profit or loss, before tax Pendapatan komprehensif yang akan direklasifikasi ke laba rugi, sebelum pajak Other comprehensive income that may be reclassified to profit or loss, before tax Keuntungan (kerugian) selisih kurs penjabaran, sebelum pajak 5,058 ( 7,788 ) Gains (losses) on exchange differences on translation, before tax Keuntungan (kerugian) yang belum direalisasi atas perubahan nilai wajar aset keuangan yang tersedia ( 357,647 ) 966,945 Unrealised gains (losses) on changes in fair value of available-for-sale financial assets, before tax untuk dijual, sebelum pajak Penyesuaian atas pendapatan komprehensif yang akan direklasifikasi ke laba rugi, 0 ( 9,233 ) Other adjustments to other comprehensive income that may be reclassified to profit or loss, before tax sebelum pajak Jumlah pendapatan komprehensif yang akan direklasifikasi ke laba rugi, sebelum pajak ( 352,589 ) 949,924 Total other comprehensive income that may be reclassified to profit or loss, before tax Jumlah pendapatan komprehensif, sebelum ( 351,928 ) 949,083 Total other comprehensive income, before tax pajak Pajak atas pendapatan komprehensif ( 105,432 ) ( 240,914 ) Tax on other comprehensive income Jumlah pendapatan komprehensif, setelah pajak ( 457,360 ) 708,169 Total other comprehensive income, after tax Jumlah laba rugi komprehensif 5,051,167 5,696,921 Total comprehensive income Laba (rugi) yang dapat Profit (loss) attributable to diatribusikan Laba (rugi) yang dapat diatribusikan ke entitas induk 5,508,035 4,989,298 Profit (loss) attributable to parent entity Laba (rugi) yang dapat diatribusikan ke kepentingan 492 ( 546 ) Profit (loss) attributable to non-controlling interests non-pengendali Laba rugi komprehensif yang dapat diatribusikan Comprehensive income attributable to Laba rugi komprehensif yang dapat diatribusikan ke entitas induk 5,050,947 5,697,163 Comprehensive income attributable to parent entity 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 dasar dari operasi yang dilanjutkan Laba (rugi) per saham 220 ( 242 ) 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 Diluted earnings (loss) per

9 dilusian Laba (rugi) per saham dilusian dari operasi yang dilanjutkan share Diluted earnings (loss) per share from continuing operations

10 [ ] Statement of changes in equity - Financial and Sharia Industry - Current Year 31 March 2018 Laporan perubahan ekuitas Saham biasa Saham preferen Tambahan modal disetor Saham tresuri Uang muka setoran modal Opsi saham Cadangan revaluasi Common stocks Preferred stocks Additional paid-in capital Treasury stocks Advances in capital stock Stock options Revaluation reserves Cadangan selisih kurs penjabaran Reserve of exchange differences on translation Cadangan perubahan nilai wajar aset keuangan tersedia untuk dijual Reserve for changes in fair value of available-for-sale financial assets Cadangan keuntungan (kerugian) investasi pada instrumen ekuitas Reserve of gains (losses) from investments in equity instruments Cadangan pembayaran berbasis saham Reserve of share-based payments Cadangan lindung nilai arus kas Reserve of cash flow hedges Cadangan pengukuran kembali program imbalan pasti Reserve of remeasurements of defined benefit plans Cadangan Other reserves Kepentingan ekuitas Other equity interests Selisih transaksi ekuitas dengan pihak non-pengendali Difference in value of equity transactions with non-controlling interests Transaksi dengan pihak non-pengendali Other transactions with non-controlling interests Komponen transaksi ekuitas 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 Appropriated retained earnings-specific reserves Saldo laba yang belum ditentukan penggunaannya Unappropriated retained earnings Ekuitas yang dapat diatribusikan kepada entitas induk Equity attributable to parent entity Proforma ekuitas Kepentingan non-pengendali Ekuitas Proforma equity Non-controlling interests Equity Posisi ekuitas Equity position Saldo awal periode sebelum penyajian kembali 1,540,938 5,548,977 6,587, ,100 1,274,336 1,385 1,463, ,534, ,303,555 98, ,401,694 Balance before restatement at beginning of period Penyesuaian Adjustments Penerapan awal standar akuntansi baru dan revisi 0 0 Initial adoption of new and revised accounting standards Perubahan kebijakan akuntansi secara sukarela 0 0 Voluntary changes in accounting policies Koreksi kesalahan periode lalu 0 0 Correction of prior period errors Penyesuaian 0 0 Other adjustments Posisi ekuitas, awal periode 1,540, ,548, ,587, ,100 1,274, ,385 1,463, ,534, ,303, , ,401,694 Equity position, beginning of the period Laba (rugi) 5,508,035 5,508, ,508,527 Profit (loss) Pendapatan komprehensif 0 5,058 ( 265,923 ) 0 ( 196,223 ) ( 457,088 ) ( 272 ) ( 457,360 ) Other comprehensive income Pembentukan cadangan umum Allocation for general reserves Pembentukan cadangan khusus 0 0 Allocation for specific reserves Distribusi dividen kas ( 0 ) ( 0 ) Distributions of cash dividends Distribusi dividen saham ( 0 ) Distributions of stock dividends Penerbitan saham biasa 0 0 Issuance of common stocks Penerbitan saham preferen 0 0 Issuance of preferred stocks Biaya emisi efek ( 0 ) Stock issuance costs Penerbitan instrumen yang dapat 0 0 Issuance of convertible instruments dikonversi Kenaikan (penurunan) ekuitas melalui transaksi saham tresuri 0 0 Increase (decrease) in equity through treasury stock transactions Kenaikan (penurunan) ekuitas melalui transaksi pembayaran berbasis saham 0 0 Increase (decrease) in equity through share-based payment transactions Pelaksanaan instrumen yang dapat 0 0 Exercise of convertible instruments dikonversi Pelaksanaan waran 0 0 Exercise of warrants Kenaikan (penurunan) ekuitas melalui transaksi dengan pemilik ekuitas 0 0 Increase (decrease) in equity through transactions with owner's equity Setoran modal dari kepentingan non-pengendali Stock subscription from non-controlling interests Perubahan kepentingan non-pengendali atas akuisisi entitas anak Perubahan kepentingan non-pengendali atas pendirian entitas Statement of changes in equity Changes in non-controlling interests due to acquisition of subsidiaries 0 0 Changes in non-controlling interests due to establishment of subsidiaries

11 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 hilangnya pengendalian Perubahan kepentingan non-pengendali atas transaksi dengan kepentingan non-pengendali Eliminasi defisit dalam rangka kuasi reorganisasi ( 0 ) ( 0 ) Changes in non-controlling interests due to disposal of subsidiaries ( 0 ) ( 0 ) Changes in non-controlling interests due to disposal of a discontinued operation ( 0 ) ( 0 ) Changes in non-controlling interests due to partial disposal of interests in subsidiaries without loss of control Changes in non-controlling interests due to other transactions with non-controlling interests ( 0 ) ( 0 ) Elimination of deficit in connection with quasi-reorganisation Pelaksanaan opsi saham 0 0 Stock options exercised Dampak penerapan PSAK No. 70 atas aset pengampunan pajak 0 0 Impact of PSAK No. 70 adoption on tax amnesty assets Transaksi ekuitas 0 0 Other equity transactions Posisi ekuitas, akhir periode 1,540, ,548, ,587, ,158 1,008, ,385 1,463, ,846, ,354, , ,452,861 Equity position, end of the period

12 [ ] Statement of changes in equity - Financial and Sharia Industry - Prior Year 31 March 2017 Laporan perubahan ekuitas Saham biasa Tambahan modal disetor Cadangan revaluasi Common stocks Additional paid-in capital Revaluation reserves Cadangan selisih kurs penjabaran Reserve of exchange differences on translation Cadangan perubahan nilai wajar aset keuangan tersedia untuk dijual Reserve for changes in fair value of available-for-sale financial assets Komponen transaksi ekuitas 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 belum ditentukan penggunaannya Unappropriated retained earnings Ekuitas yang dapat diatribusikan kepada entitas induk Equity attributable to parent entity Kepentingan non-pengendali Non-controlling interests Ekuitas Equity Statement of changes in equity Posisi ekuitas Equity position Saldo awal periode sebelum penyajian kembali 1,540,938 5,564,552 6,591, ,923 ( 131,961 ) 10,618 1,257,895 97,245, ,433, , ,715,059 Balance before restatement at beginning of period Posisi ekuitas, awal periode 1,540,938 5,564,552 6,591, ,923 ( 131,961 ) 10,618 1,257,895 97,245, ,433, , ,715,059 Equity position, beginning of the period Laba (rugi) 4,989,298 4,989,298 ( 546 ) 4,988,752 Profit (loss) Pendapatan komprehensif ( 7,788 ) 725,517 ( 9,233 ) ( 631 ) 707, ,169 Other comprehensive income Posisi ekuitas, akhir periode 1,540,938 5,564,552 6,591, , ,556 1,385 1,257, ,233, ,130, , ,411,980 Equity position, end of the period

13 [ ] Statement of cash flows, direct method - Financial and Sharia Industry Laporan arus kas Arus kas dari aktivitas operasi Arus kas sebelum perubahan dalam aset dan liabilitas operasi Penerimaan bunga, hasil investasi, provisi, dan komisi Pembayaran bunga dan bonus, provisi dan komisi Pendapatan dari transaksi operasional Laba (rugi) selisih kurs ( ) Penerimaan pengembalian (pembayaran) pajak penghasilan Pembayaran beban operasional Penerimaan (pengeluaran) kas dari aktivitas operasi 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 Penurunan (kenaikan) tagihan akseptasi Penurunan (kenaikan) pinjaman yang diberikan Penurunan (kenaikan) piutang pembiayaan konsumen Penurunan (kenaikan) investasi sewa Penurunan (kenaikan) piutang Penurunan (kenaikan) aset Kenaikan (penurunan) liabilitas operasi Kenaikan (penurunan) giro dan tabungan simpanan nasabah 31 March March 2017 Statement of cash flows Cash flows from operating Cash flows before changes in operating assets and liabilities 16,335,932 15,901,385 Interest, investment income, fees and commissions received ( 2,679,865 ) ( 2,835,140 ) Payments Of Interest And Bonus Fees And Commissions 713, ,763 Income from other operating transactions 41, ,669 Foreign currency gains (losses) ( 1,044,326 ) ( 1,146,355 ) Refunds (payments) of income tax ( 7,514,365 ) ( 6,826,728 ) Payments for other operating expenses 0 Other cash inflows (outflows) from operating Decrease (increase) in operating assets 753,122 ( 369,000 ) Decrease (increase) in placements with other banks and bank indonesia ( 7,208,278 ) 146,492 Decrease (increase) in marketable securities ( 4,461,806 ) ( 16,564,715 ) Decrease (increase) in securities purchased under resale agreements ( 82,603 ) 464,826 Decrease (increase) in bills and other receivables ( 386,888 ) ( 633,757 ) Decrease (increase) in acceptance receivables ( 2,782,487 ) 6,983,648 Decrease (increase) in loans 1,152,595 ( 457,132 ) Decrease (increase) in consumer financing receivables ( 7,696 ) 7,960 Decrease (increase) in lease investments ( 127,901 ) ( 43,898 ) Decrease (increase) in other receivables 764,004 ( 1,072,468 ) Decrease (increase) in other assets Increase (decrease) in operating liabilities 7,393,833 ( 2,784,597 ) Increase (decrease) in current accounts and customers savings

14 Kenaikan (penurunan) deposito berjangka nasabah Kenaikan (penurunan) tabungan wadiah simpanan nasabah Kenaikan (penurunan) simpanan dari bank lain ( 4,990,132 ) 7,796,516 Increase (decrease) in customers time deposits ( 21,323 ) ( 37,380 ) Increase (decrease) in customers wadiah saving deposits 1,182,153 ( 527,695 ) Increase (decrease) in other banks saving deposits Kenaikan (penurunan) 12, ,902 Increase (decrease) in liabilitas akseptasi acceptance payables Kenaikan (penurunan) 139, ,729 Increase (decrease) in dana syirkah temporer temporary syirkah funds Kenaikan (penurunan) 2,021,079 1,876,840 Increase (decrease) in liabilitas other liabilities Jumlah arus kas bersih yang ( 881,116 ) 1,705,865 Total net cash flows received diperoleh dari (digunakan from (used in) operating untuk) aktivitas operasi Arus kas dari aktivitas investasi Cash flows from investing Penerimaan dividen dari Dividends received from aktivitas investasi investing Penerimaan dari penjualan ( 277,331 ) ( 223,453 ) Proceeds from disposal (perolehan) aset tetap (acquisition) of property and equipment Penerimaan (pengeluaran) kas ( 1,284,043 ) ( 19,642,050 ) Other cash inflows (outflows) dari aktivitas investasi from investing Jumlah arus kas bersih yang ( 1,561,005 ) ( 19,865,503 ) Total net cash flows received diperoleh dari (digunakan from (used in) investing untuk) aktivitas investasi Arus kas dari aktivitas Cash flows from financing pendanaan Kenaikan (penurunan) efek ( 401,129 ) ( 523,205 ) Increase (decrease) in yang diterbitkan securities issued Penerimaan pinjaman yang ( 1,004,324 ) 170,764 Proceeds from borrowings diterima Penerimaan setoran modal 0 Proceeds from capital contributions Pembayaran dividen dari ( 0 ) Dividends paid from financing aktivitas pendanaan Penerimaan (pengeluaran) kas 81,827 15,243 Other cash inflows (outflows) dari aktivitas from financing pendanaan Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan Jumlah kenaikan (penurunan) bersih kas dan setara kas 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 ( 1,323,626 ) ( 337,198 ) Total net cash flows received from (used in) financing ( 3,765,747 ) ( 18,496,836 ) Total net increase (decrease) in cash and cash equivalents 83,377, ,319,853 Cash and cash equivalents cash flows, beginning of the period 155, ,944 Effect of exchange rate changes on cash and cash equivalents 79,767,237 81,968,961 Cash and cash equivalents cash flows, end of the period