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 Lokasi Tahun Komersil Status Operasi Jumlah Aset Satuan Mata Uang Persentase (%) Perbankan Jakarta 2008 Aktif 24.268.704 JUTAAN IDR 99.99 Perbankan Jakarta 1990 Aktif 8.402.047 JUTAAN IDR 87.23 Remittance Hongkong 2005 Aktif 5.656 JUTAAN IDR 100.0 Asuransi Jakarta 1987 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 31 March 2016 General information Nama entitas Bank Rakyat Indonesia (Persero) Entity name Tbk Penjelasan perubahan nama dari akhir periode laporan sebelumnya Explanation of change in name from the end of the preceding reporting period Kode entitas BBRI Entity code Nomor identifikasi entitas AA426 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 Indonesian Government 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 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, 2016 Current period start date Tanggal akhir periode berjalan March 31, 2016 Current period end date Tanggal akhir tahun sebelumnya December 31, 2015 Prior year end date Tanggal awal periode sebelumnya January 01, 2015 Prior period start date Tanggal akhir periode sebelumnya March 31, 2015 Prior period end date Mata uang pelaporan Rupiah / IDR Description of presentation currency Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah 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 lainnya, 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 Ya / Yes 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 31 March 2016 31 December 2015 Statement of financial position Aset Assets Kas 22,254,862 28,771,635 Cash Giro pada bank indonesia 47,888,347 61,717,798 Current accounts with bank Indonesia Giro pada bank lain Current accounts with other banks Giro pada bank lain pihak 6,135,134 8,667,640 Current accounts with other banks third Giro pada bank lain pihak 16,459 68,452 Current accounts with other banks related Penempatan pada bank indonesia dan bank lain Placements with bank Indonesia and other banks Penempatan pada bank indonesia dan bank lain pihak Penempatan pada bank indonesia dan bank lain pihak Efek-efek yang diperdagangkan Efek-efek yang diperdagangkan pihak Efek-efek yang diperdagangkan pihak 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 Wesel ekspor dan tagihan lainnya pihak Tagihan akseptasi Tagihan akseptasi pihak Tagihan akseptasi pihak Tagihan derivatif Tagihan derivatif pihak Pinjaman yang diberikan Pinjaman yang diberikan pihak Pinjaman yang diberikan pihak 36,014,924 48,784,164 Placements with bank Indonesia and other banks third 552,600 1,050,500 Placements with bank Indonesia and other banks related Marketable securities 27,154,895 23,342,521 Marketable securities third 102,212,421 101,548,772 Marketable securities related ( 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 Bills and other receivables third 28,930 123,434 Bills and other receivables related Acceptance receivables 4,414,034 4,451,893 Acceptance receivables third 795,995 711,578 Acceptance receivables related Derivative receivables 13,113 Derivative receivables third Loans 483,443,813 471,350,379 Loans third 83,973,095 93,130,159 Loans related Cadangan kerugian ( 18,808,949 ) ( 17,162,183 ) Allowance for impairment
penurunan nilai pada losses for loans pinjaman yang diberikan Piutang murabahah Murabahah receivables Piutang murabahah pihak 10,185,247 9,988,662 Murabahah receivables third Piutang murabahah pihak 12,502 14,612 Murabahah receivables related Cadangan kerugian penurunan nilai pada piutang murabahah ( 229,742 ) ( 222,925 ) Allowance for impairment losses for murabahah receivables Piutang istishna Istishna receivables Piutang istishna pihak 7,117 7,428 Istishna receivables third Cadangan kerugian penurunan nilai pada piutang istishna ( 60 ) ( 187 ) Allowance for impairment losses for istishna receivables Piutang ijarah Ijarah receivables Piutang ijarah pihak 20,545 Ijarah receivables third Piutang ijarah pihak 25,714 Ijarah receivables related Pinjaman qardh Qardh funds Pinjaman qardh pihak 345,544.361 398,796 Qardh funds third Pinjaman qardh pihak 77.639 77 Qardh funds related Cadangan kerugian penurunan nilai pada ( 4,751 ) ( 11,338 ) Allowance for impairment losses for qardh funds pinjaman qardh Pembiayaan mudharabah Mudharabah financing Pembiayaan mudharabah pihak 1,182,976 1,121,466 Mudharabah financing third Cadangan kerugian penurunan nilai pada pembiayaan mudharabah ( 12,386 ) ( 14,901 ) Allowance for impairment losses for mudharabah financing Pembiayaan musyarakah Musyarakah financing Pembiayaan musyarakah pihak 5,125,291 5,036,706 Musyarakah financing third Cadangan kerugian penurunan nilai pada pembiayaan musyarakah ( 101,086 ) ( 102,901 ) Allowance for impairment losses for musyarakah financing Obligasi pemerintah 3,817,795 3,815,958 Government bonds Aset pajak tangguhan 1,581,103 1,983,774 Deferred tax assets Investasi yang dicatat dengan menggunakan metode ekuitas 269,002 262,891 Investments accounted for using equity method Investasi pada entitas anak, ventura bersama, dan entitas asosiasi Investments in subsidiaries, joint ventures and associates Investasi pada entitas anak 1,646 1,646 Investments in subsidiaries Investasi pada entitas 793 4,593 Investments in associates asosiasi Aset tetap 8,445,145 8,039,280 Property and equipment Aset lainnya 13,530,783 13,514,846 Other assets Jumlah aset 864,938,698 878,426,312 Total assets Liabilitas, dana syirkah temporer dan ekuitas Liabilitas Liabilities, temporary syirkah funds and equity Liabilities Liabilitas segera 13,649,498 5,138,562 Obligations due immediately Simpanan nasabah Customers Deposits
Giro Current accounts Giro pihak 73,960,498 79,727,184 Current accounts third Giro pihak 34,697,174 33,702,159 Current accounts related Giro wadiah Wadiah demand Giro wadiah pihak 973,688 933,197 Wadiah demand third Giro wadiah pihak 14,661 4,548 Wadiah demand related Tabungan Savings Tabungan pihak 249,264,529 267,911,092 Savings third Tabungan pihak Tabungan wadiah Tabungan wadiah pihak Tabungan wadiah pihak Deposito berjangka Deposito berjangka pihak Deposito berjangka pihak 125,079 147,773 Savings related Wadiah savings 3,651,020 3,711,483 Wadiah savings third 5,403 4,446 Wadiah savings related Time 212,589,108 206,195,338 Time third 67,846,295 61,689,066 Time related Simpanan dari bank lain 9,386,641 11,165,073 Other banks Efek yang dijual dengan janji untuk dibeli kembali 7,065,363 11,377,958 Securities sold with repurchase agreement Liabilitas derivatif Derivative payables Liabilitas derivatif pihak 118,020 445,753 Derivative payables third Liabilitas derivatif pihak 2,236 Derivative payables related Liabilitas akseptasi 5,210,029 5,163,471 Acceptance payables Pinjaman yang diterima Borrowings Pinjaman yang diterima pihak 24,587,390 35,380,358 Borrowings third Pinjaman yang diterima pihak Efek yang diterbitkan 100,000 100,000 Borrowings related Securities issued Obligasi 13,980,737 9,847,610 Bonds Surat utang jangka 673,493 673,493 Mid-term loans menengah Estimasi kerugian komitmen dan kontinjensi 991 1,242 Estimated losses on commitments and contingencies Utang pajak 2,082,337 1,497,262 Taxes payable Liabilitas lainnya 8,172,223 7,392,766 Other liabilities Kewajiban imbalan pasca kerja Pinjaman subordinasi Pinjaman subordinasi pihak 8,287,603 8,063,738 post-employment benefit obligations Subordinated loans 56,236 56,468 Subordinated loans third Jumlah liabilitas 736,500,252 750,330,040 Total liabilities Dana syirkah temporer Temporary syirkah funds Bukan bank Non-banks Tabungan Mudharabah saving
mudharabah Tabungan mudharabah pihak 831,024 696,198 Mudharabah saving third Tabungan mudharabah pihak 259 Mudharabah saving related Deposito berjangka mudharabah Mudharabah time Deposito berjangka mudharabah pihak 14,680,839 14,058,802 Mudharabah time third Deposito berjangka mudharabah pihak 96,330 214,093 Mudharabah time related Bank Bank Deposito berjangka mudharabah Mudharabah time Jumlah dana syirkah temporer 15,608,452 14,969,093 Total temporary syirkah funds Ekuitas Equity Ekuitas yang diatribusikan kepada pemilik entitas induk Equity attributable to equity owners of parent entity Saham biasa 6,167,291 6,167,291 Common stocks Tambahan modal disetor 2,773,858 2,773,858 Additional paid-in capital Saham tresuri ( 2,418,948 ) ( 2,286,375 ) Treasury stocks Komponen ekuitas lainnya 653,037 ( 554,934 ) Other components of equity 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 Retained earnings (deficit) Appropriated retained earnings 3,022,685 3,022,685 General and legal reserves 15,093,056 15,093,056 Specific reserves 87,231,210 88,617,280 Unappropriated retained earnings 112,522,189 112,832,861 Total equity attributable to equity owners of parent entity 307,805 294,318 Non-controlling interests Jumlah ekuitas 112,829,994 113,127,179 Total equity Jumlah liabilitas, dana syirkah 864,938,698 878,426,312 Total liabilities, temporary temporer dan ekuitas 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 31 March 2016 31 March 2015 Statement of profit or loss and other comprehensive income Pendapatan dan beban operasional Operating income and expenses Pendapatan bunga 22,752,189 20,868,394 Interest income Beban bunga ( 6,909,361 ) ( 7,358,795 ) Interest expenses Pendapatan asuransi Insurance income Pendapatan dari premi asuransi 569,989 Revenue from insurance premiums Beban asuransi Insurance expenses Beban klaim ( 558,115 ) Claim expenses Pendapatan sekuritas Securities income 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 3,359 6,762 Realised gains (losses) on trading of marketable securities Other operating income 1,966,514 1,747,130 Provisions and commissions income from transactions other than loan 601,849 455,484 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 ) Recovery of impairment loss of non-financial assets 251 Recovery of estimated loss of commitments and contingency Allowances for impairment losses ( 3,606,768 ) ( 1,565,380 ) Allowances for impairment losses on earnings assets Other operating expenses ( 2,562,333 ) ( 2,260,981 ) General and administrative expenses Beban provisi dan komisi ( 44,629 ) ( 570 ) Other fees and commissions expenses Beban operasional ( 5,906,675 ) ( 5,119,595 ) Other operating expenses lainnya Jumlah laba operasional 7,157,800 7,338,585 Total profit from operation Pendapatan dan beban bukan Non-operating income and operasional expense Pendapatan bukan operasional 581,837 292,346 Non-operating income
Jumlah laba (rugi) sebelum pajak 7,739,637 7,630,931 Total profit (loss) before tax penghasilan Pendapatan (beban) pajak ( 1,487,826 ) ( 1,483,540 ) Tax benefit (expenses) Jumlah laba (rugi) 6,251,811 6,147,391 Total profit (loss) 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 Other comprehensive income, before tax Other comprehensive income that will not be reclassified to profit or loss, before tax ( 32,322 ) ( 1,094,150 ) Other comprehensive income for remeasurement of defined benefit obligation, before tax ( 32,322 ) ( 1,094,150 ) 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 ( 5,700 ) 15,690 Gains (losses) on exchange differences on translation, before tax 1,652,159 566,173 Unrealised gains (losses) on changes in fair value of available-for-sale financial assets, before tax 1,646,459 581,863 Total other comprehensive income that may be reclassified to profit or loss, before tax 1,614,137 ( 512,287 ) Total other comprehensive income, before tax ( 404,960 ) 131,995 Tax on other comprehensive income 1,209,177 ( 380,292 ) Total other comprehensive income, after tax Jumlah laba rugi komprehensif 7,460,988 5,767,099 Total comprehensive income Laba (rugi) yang dapat Profit (loss) attributable to diatribusikan Laba (rugi) yang dapat diatribusikan ke entitas induk 6,245,486 6,143,390 Profit (loss) attributable to parent entity Laba (rugi) yang dapat diatribusikan ke kepentingan 6,325 4,001 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 Laba rugi komprehensif yang dapat diatribusikan ke kepentingan non-pengendali Laba (rugi) per saham Laba per saham dasar diatribusikan kepada pemilik entitas induk 7,453,457 5,761,481 Comprehensive income attributable to parent entity 7,531 5,618 Comprehensive income attributable to non-controlling interests Earnings (loss) per share Basic earnings per share attributable to equity owners of the parent entity Laba (rugi) per saham 253.38 249.03 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 Saham biasa Tambahan modal disetor Saham tresuri Common stocks Additional paid-in capital Treasury stocks Komponen transaksi ekuitas lainnya 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 Kepentingan non-pengendali Non-controlling interests Ekuitas Equity Statement of changes in equity Posisi ekuitas Equity position Saldo awal periode sebelum penyajian kembali 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 Balance before restatement at beginning of period Posisi ekuitas, awal periode 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 Equity position, beginning of the period Laba (rugi) 6,245,486 6,245,486 6,325 6,251,811 Profit (loss) Pendapatan komprehensif lainnya 1,207,971 1,207,971 1,206 1,209,177 Other comprehensive income Distribusi dividen saham ( 7,619,322 ) ( 7,619,322 ) ( 7,619,322 ) Distributions of stock dividends Perubahan kepentingan non-pengendali atas pendirian entitas anak 5,956 5,956 Changes in non-controlling interests due to establishment of subsidiaries Perubahan kepentingan non-pengendali atas transaksi lainnya dengan kepentingan non-pengendali Transaksi ekuitas lainnya ( ) Posisi ekuitas, akhir periode 6,167,291 2,773,858 ( ) ( 12,234 ) ( 12,234 ) ( 12,234 ) Changes in non-controlling interests due to other transactions with non-controlling interests 132,573 ( 132,573 ) ( 132,573 ) Other equity transactions 2,418,948 653,037 3,022,685 15,093,056 87,231,210 112,522,189 307,805 112,829,994 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year 31 March 2015 Laporan perubahan ekuitas 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 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 Kepentingan non-pengendali Non-controlling interests Ekuitas Equity Statement of changes in equity Posisi ekuitas Equity position Saldo awal periode sebelum penyajian kembali 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 Balance before restatement at beginning of period Posisi ekuitas, awal periode 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 Equity position, beginning of the period Laba (rugi) 6,143,390 6,143,390 4,001 6,147,391 Profit (loss) Pendapatan komprehensif lainnya ( 381,909 ) ( 381,909 ) 1,617 ( 380,292 ) Other comprehensive income Distribusi dividen kas 2,666,581 ( 2,666,581 ) Distributions of cash dividends Distribusi dividen saham ( 7,272,495 ) ( 7,272,495 ) ( 7,272,495 ) Distributions of stock dividends Transaksi ekuitas lainnya 5,618 5,618 Other equity transactions Posisi ekuitas, akhir periode 6,167,291 2,773,858 ( 400,182 ) 3,022,685 15,093,056 69,362,928 96,019,636 180,802 96,200,438 Equity position, end of the period
[4510000] Statement of cash flows, direct method - Financial and Sharia Industry Laporan arus kas Arus kas dari aktivitas operasi Arus kas sebelum perubahan dalam aset dan liabilitas operasi Penerimaan bunga, hasil investasi, provisi, dan komisi Pembayaran bunga dan bonus, provisi dan komisi Penerimaan pendapatan pengelolaan dana sebagai mudharib Pembayaran bagi hasil dana syirkah temporer 31 March 2016 31 March 2015 Statement of cash flows Cash flows from operating activities Cash flows before changes in operating assets and liabilities 22,422,602 20,114,304 Interest, investment income, fees and commissions received ( 6,355,993 ) ( 7,138,929 ) Payments Of Interest And Bonus Fees And Commissions 653,394 610,708 Revenue receipts from fund management as mudharib ( 274,776 ) ( 252,252 ) Payments of temporary syirkah funds Penerimaan premi asuransi 11,874 Receipts from insurance premiums Pendapatan dari transaksi operasional lainnya 2,276,136 2,844,360 Income from other operating transactions Penerimaan kembali aset yang telah dihapusbukukan 601,849 455,484 Recoveries of written off assets Pembayaran beban operasional lainnya ( 8,112,921 ) ( 5,428,099 ) Payments for other operating expenses Penerimaan pendapatan non-operasional 578,932 287,577 Receipts from non-operating income aset operasi Decrease (increase) in operating assets penempatan pada bank lain dan bank indonesia 100,000 Decrease (increase) in placements with other banks and bank indonesia efek yang diperdagangkan 454,751 ( 480,697 ) Decrease (increase) in marketable securities efek yang dibeli dengan janji dijual kembali ( 16,918,059 ) 20,542,905 Decrease (increase) in securities purchased under resale agreements wesel ekspor dan tagihan 304,062 ( 3,170,705 ) Decrease (increase) in bills and other receivables lainnya pinjaman yang diberikan ( 4,913,583 ) 15,956,551 Decrease (increase) in loans piutang dan pembiayaan syariah Decrease (increase) in sharia financing and receivables piutang murabahah ( 134,592 ) ( 224,058 ) Decrease (increase) in murabahah receivables piutang istishna ( 2,215 ) 22,271 Decrease (increase) in istishna receivables pinjaman qardh ( 201,201 ) ( 226,469 ) Decrease (increase) in qardh funds pembiayaan 215,098 105,869 Decrease (increase) in mudharabah financing mudharabah ( 122,633 ) 380,871 Decrease (increase) in
pembiayaan musyarakah 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 ) ( 392,388 ) Decrease (increase) in reinsurance assets Increase (decrease) in operating liabilities 866,586 ( 1,053,511 ) Increase (decrease) in obligations due immediately ( 23,440,928 ) ( 17,120,795 ) Increase (decrease) in current accounts and customers savings 13,055,273 5,159,266 Increase (decrease) in customers time 50,604 485,756 Increase (decrease) in customers wadiah demand ( 59,506 ) ( 470 ) Increase (decrease) in customers wadiah saving ( 1,778,432 ) 10,566,807 Increase (decrease) in other banks saving 135,085 91,274 Increase (decrease) in mudharabah savings ( 4,312,595 ) 1,021,361 Increase (decrease) in securities sold under repurchase agreement 475,078 ( 299,380 ) Increase (decrease) in other liabilities ( 25,408,876 ) 42,857,611 Total net cash flows received from (used in) operating activities Cash flows from investing activities ( 698,851 ) ( 726,119 ) Proceeds from disposal (acquisition) of property and equipment 952,249 ( 26,864,326 ) Withdrawal (placement) of marketable securities 52 168 Other cash inflows (outflows) from investing activities 253,450 ( 27,590,277 ) Total net cash flows received from (used in) investing activities Cash flows from financing activities 4,380,704 ( 165,000 ) Increase (decrease) in securities issued ( 10,922,143 ) ( 4,804,897 ) Payments for borrowings ( 232 ) ( 306 ) Payments of subordinated loans ( 132,573 ) Sales (purchase) of treasury stocks ( 6,674,244 ) ( 4,970,203 ) Total net cash flows received from (used in) financing activities ( 31,829,670 ) 10,297,131 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 Cash and cash equivalents cash flows, beginning of the period ( 9,656 ) 846 Effect of exchange rate changes on cash and cash equivalents 131,549,431 183,029,232 Cash and cash equivalents cash flows, end of the period