Nomor Surat Nama Emiten Kode Emiten Perihal B 1269 DIR/AMK/10/2017 PT Bank Rakyat Indonesia (Persero) Tbk BBRI Penyampaian Laporan Keuangan Interim Yang Tidak Diaudit Perseroan dengan ini menyampaikan laporan keuangan untuk periode 9 Bulan yang berakhir pada 30/09/2017 dengan ikhtisar sebagai berikut : Informasi mengenai anak perusahaan Perseroan sebagai berikut : No Nama Kegiatan Usaha 1 PT Bank BRISyariah 2 PT Bank Rakyat Indonesia Agroniaga Tbk. 3 BRI Remittance Co.Limited (Ltd) Hong Kong 4 PT. Asuransi Jiwa Bringin Jiwa Sejahtera 5 PT BRI Multi finance Lokasi Tahun Komersil Status Operasi Jumlah Aset Satuan Mata Uang Persentase (%) Perbankan Jakarta 2008 Aktif 28.506.856 JUTAAN IDR 99.99 Perbankan Jakarta 1990 Aktif 12.120.040 JUTAAN IDR 87.23 Remittance Hongkong 2005 Aktif 8.480 JUTAAN IDR 100.0 Asuransi Jakarta 1987 Aktif 6.677.872 JUTAAN IDR 91.0 Multi Finance Jakarta 2016 Aktif 2.052.972 JUTAAN IDR 99.0 Dokumen ini merupakan dokumen resmi PT Bank Rakyat Indonesia (Persero) Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik. PT Bank Rakyat Indonesia (Persero) Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
[1000000] General information Informasi umum 30 September 2017 General information Nama entitas PT Bank Rakyat Indonesia Entity name (Persero) 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 III / Third Quarter Period of financial statements submissions Tanggal awal periode berjalan January 01, 2017 Current period start date Tanggal akhir periode berjalan September 30, 2017 Current period end date Tanggal akhir tahun sebelumnya December 31, 2016 Prior year end date Tanggal awal periode sebelumnya January 01, 2016 Prior period start date Tanggal akhir periode sebelumnya September 30, 2016 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, 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 30 September 2017 31 December 2016 Statement of financial position Aset Assets Kas 21,668,932 25,212,024 Cash Giro pada bank indonesia 56,350,523 55,635,946 Current accounts with bank Indonesia Giro pada bank lain Current accounts with other banks Giro pada bank lain pihak 7,259,080 10,999,867 Current accounts with other banks third Giro pada bank lain pihak 28,067 22,848 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 Wesel ekspor dan tagihan pihak Wesel ekspor dan tagihan 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 37,743,626 77,683,134 Placements with bank Indonesia and other banks third 464,400 459,620 Placements with bank Indonesia and other banks related Marketable securities 44,670,559 31,002,375 Marketable securities third 120,711,557 101,061,727 Marketable securities related ( 758 ) ( 758 ) Allowance for impairment losses for marketable securities 21,175,368 1,557,370 Securities purchased under agreement to resale Bills and other receivables 6,160,522 9,104,760 Bills and other receivables third 1,658 240,712 Bills and other receivables related Acceptance receivables 5,102,467 5,197,938 Acceptance receivables third 829,889 494,645 Acceptance receivables related Derivative receivables 114,069 91,657 Derivative receivables third Loans 586,444,710 549,758,360 Loans third 87,902,953 93,712,615 Loans related Cadangan kerugian ( 31,506,084 ) ( 22,184,296 ) Allowance for impairment
penurunan nilai pada losses for loans pinjaman yang diberikan Piutang murabahah Murabahah receivables Piutang murabahah pihak 10,771,294 10,697,271 Murabahah receivables third Piutang murabahah pihak 128,862 84,972 Murabahah receivables related Cadangan kerugian penurunan nilai pada piutang murabahah ( 292,744 ) ( 281,710 ) Allowance for impairment losses for murabahah receivables Piutang istishna Istishna receivables Piutang istishna pihak 4,821 5,900 Istishna receivables third Cadangan kerugian penurunan nilai pada piutang istishna ( 125 ) ( 140 ) Allowance for impairment losses for istishna receivables Piutang ijarah Ijarah receivables Piutang ijarah pihak 852,332 282,545 Ijarah receivables third Piutang ijarah pihak 10,574 3,636 Ijarah receivables related Pinjaman qardh Qardh funds Pinjaman qardh pihak 219,367 291,504 Qardh funds third Pinjaman qardh pihak 3,890 3,884 Qardh funds related Cadangan kerugian penurunan nilai pada pinjaman qardh Pembiayaan mudharabah Pembiayaan mudharabah pihak Pembiayaan mudharabah pihak Cadangan kerugian penurunan nilai pada pembiayaan mudharabah Pembiayaan musyarakah Pembiayaan musyarakah pihak Pembiayaan musyarakah pihak Cadangan kerugian penurunan nilai pada pembiayaan musyarakah Piutang Piutang pihak Cadangan kerugian penurunan nilai pada piutang ( 6,372 ) ( 2,269 ) Allowance for impairment losses for qardh funds Mudharabah financing 940,775 1,250,211 Mudharabah financing third 27,689 35,371 Mudharabah financing related ( 13,394 ) ( 14,097 ) Allowance for impairment losses for mudharabah financing Musyarakah financing 5,301,866 4,997,220 Musyarakah financing third 396,203 382,610 Musyarakah financing related ( 126,918 ) ( 193,940 ) Allowance for impairment losses for musyarakah financing Other receivables 2,065,995 2,200,300 Other receivables third ( 109,000 ) ( 130,000 ) Allowance for impairment losses for other receivables Obligasi pemerintah 3,319,262 3,318,434 Government bonds Aset pajak tangguhan 3,873,605 2,520,930 Deferred tax assets 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 793 793 Investments in associates asosiasi Aset tetap 24,627,026 24,515,059 Property and equipment
Aset 21,553,638 13,623,752 Other assets Jumlah aset 1,038,672,623 1,003,644,426 Total assets Liabilitas, dana syirkah temporer dan ekuitas Liabilitas Liabilities, temporary syirkah funds and equity Liabilities Liabilitas segera 6,831,319 5,410,313 Obligations due immediately Simpanan nasabah Customers Deposits Giro Current accounts Giro pihak 75,123,329 96,910,036 Current accounts third Giro pihak 41,055,334 44,508,984 Current accounts related Giro wadiah Wadiah demand Giro wadiah pihak 1,416,042 1,107,149 Wadiah demand third Giro wadiah pihak 37,733 20,694 Wadiah demand related Savings 303,613,301 297,998,921 Savings third Tabungan Tabungan pihak Tabungan pihak 213,461 111,485 Savings related Tabungan wadiah Wadiah savings Tabungan wadiah 4,393,921 4,170,480 Wadiah savings third pihak Tabungan wadiah 9,592 6,281 Wadiah savings pihak related Deposito berjangka Time Deposito berjangka 240,318,562 213,038,606 Time third pihak Deposito berjangka 84,947,250 79,990,772 Time pihak related Simpanan dari bank lain 9,265,140 2,229,538 Other banks Efek yang dijual dengan 6,430,508 7,302,398 Securities sold with janji untuk dibeli kembali repurchase agreement Liabilitas derivatif Derivative payables Liabilitas derivatif pihak 357,205 347,217 Derivative payables third Liabilitas akseptasi 5,932,356 5,692,583 Acceptance payables Pinjaman yang diterima Borrowings Pinjaman yang diterima 23,818,374 34,908,170 Borrowings third pihak Pinjaman yang diterima pihak 100,000 100,000 Borrowings related Efek yang diterbitkan Securities issued Obligasi 31,175,826 22,516,964 Bonds Surat utang jangka 359,994 2,283,817 Mid-term loans menengah Estimasi kerugian komitmen dan kontinjensi 2,118 895 Estimated losses on commitments and contingencies Utang pajak 664,029 942,401 Taxes payable Liabilitas 12,715,957 10,111,453 Other liabilities Kewajiban imbalan pasca kerja Pinjaman subordinasi 10,805,745 9,451,203 post-employment benefit obligations Subordinated loans
Pinjaman subordinasi pihak 997,971 1,008,510 Subordinated loans third Jumlah liabilitas 860,585,067 840,168,870 Total liabilities Dana syirkah temporer Temporary syirkah funds Bukan bank Non-banks Giro mudharabah Mudharabah current account Giro mudharabah pihak Tabungan mudharabah Tabungan mudharabah pihak Deposito berjangka mudharabah Deposito berjangka mudharabah pihak Deposito berjangka mudharabah pihak 405 Mudharabah current account third Mudharabah saving 1,157,739 983,121 Mudharabah saving third Mudharabah time 18,317,378 15,590,722 Mudharabah time third 89,123 Mudharabah time related Bank Bank Giro mudharabah 0 Mudharabah current account Deposito berjangka mudharabah Mudharabah time Jumlah dana syirkah temporer 19,475,522 16,662,966 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 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 13,754,340 12,170,722 Other components of equity Retained earnings (deficit) Appropriated retained earnings 3,022,685 3,022,685 General and legal reserves 132,316,598 122,286,786 Unappropriated retained earnings 158,034,772 146,421,342 Total equity attributable to equity owners of parent entity 577,262 391,248 Non-controlling interests Jumlah ekuitas 158,612,034 146,812,590 Total equity Jumlah liabilitas, dana syirkah 1,038,672,623 1,003,644,426 Total liabilities, temporary temporer dan ekuitas syirkah funds and equity
[4312000] Statement of profit or loss and other comprehensive income, OCI components presented net of tax, by nature - Financial and Sharia Industry Laporan laba rugi dan penghasilan komprehensif lain 30 September 2017 30 September 2016 Statement of profit or loss and other comprehensive income Pendapatan dan beban operasional Operating income and expenses Pendapatan bunga 77,300,758 70,576,840 Interest income Beban bunga ( 22,171,433 ) ( 20,519,047 ) Interest expenses Pendapatan asuransi Insurance income Pendapatan dari premi asuransi 1,878,772 1,779,986 Revenue from insurance premiums Beban asuransi Insurance expenses Beban klaim ( 1,811,974 ) ( 1,751,704 ) Claim expenses Pendapatan sekuritas Securities income Keuntungan (kerugian) dari transaksi perdagangan efek yang telah direalisasi Keuntungan (kerugian) perubahan nilai wajar efek 635,944 464,483 Realised gains (losses) on trading of marketable securities 28,102 40,389 Gains (losses) on changes in fair value of marketable securities Other operating income Pendapatan operasional Pendapatan provisi dan 7,433,476 6,475,783 Provisions and komisi dari transaksi commissions income from selain kredit transactions other than loan Penerimaan kembali aset 3,147,224 2,108,185 Revenue from recovery of yang telah dihapusbukukan written-off assets Keuntungan (kerugian) 0 Gains (losses) on changes selisih kurs mata uang in foreign exchange rates asing Pendapatan operasional 2,449,850 2,463,247 Other operating income Pemulihan penyisihan Recovery of impairment loss kerugian penurunan nilai Pemulihan penyisihan ( 184,106 ) ( 53,812 ) Recovery of impairment kerugian penurunan nilai loss of non-financial assets aset non-keuangan Pemulihan penyisihan ( 1,223 ) 199 Recovery of estimated loss estimasi kerugian atas of commitments and komitmen dan kontinjensi contingency Pembentukan kerugian Allowances for impairment penurunan nilai losses Pembentukan penyisihan ( 15,527,484 ) ( 11,422,553 ) Allowances for impairment kerugian penurunan nilai losses on earnings assets aset produktif Beban operasional Other operating expenses Beban umum dan ( 8,955,816 ) ( 8,332,278 ) General and administrative administrasi expenses Beban operasional ( 19,580,385 ) ( 19,601,188 ) Other operating expenses Jumlah laba operasional 24,641,705 22,228,530 Total profit from operation Pendapatan dan beban bukan operasional Non-operating income and expense
Pendapatan bukan operasional 154,611 1,088,553 Non-operating income Jumlah laba (rugi) sebelum pajak 24,796,316 23,317,083 Total profit (loss) before tax penghasilan Pendapatan (beban) pajak ( 4,256,062 ) ( 4,341,938 ) Tax benefit (expenses) Jumlah laba (rugi) dari operasi yang dilanjutkan 20,540,254 18,975,145 Total profit (loss) from continuing operations Jumlah laba (rugi) 20,540,254 18,975,145 Total profit (loss) Pendapatan komprehensif, setelah pajak Other comprehensive income, after tax Jumlah pendapatan komprehensif, setelah 1,602,220 16,639,686 Total other comprehensive income, after tax pajak Jumlah laba rugi komprehensif 22,142,474 35,614,831 Total comprehensive income Laba (rugi) yang dapat Profit (loss) attributable to diatribusikan Laba (rugi) yang dapat diatribusikan ke entitas induk 20,508,121 18,950,861 Profit (loss) attributable to parent entity 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 dasar dari operasi yang dilanjutkan 32,133 24,284 Profit (loss) attributable to non-controlling interests Comprehensive income attributable to 22,091,739 35,572,718 Comprehensive income attributable to parent entity 50,735 42,113 Comprehensive income attributable to non-controlling interests Earnings (loss) per share Basic earnings per share attributable to equity owners of the parent entity 838.87 775.16 Basic earnings (loss) per share from continuing operations
[4410000] Statement of changes in equity - Financial and Sharia Industry - Current Year 30 September 2017 Laporan perubahan ekuitas Saham biasa Common stocks Tambahan modal disetor Additional paid-in capital 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 6,167,291 2,773,858 12,170,722 3,022,685 122,286,786 146,421,342 391,248 146,812,590 Balance before restatement at beginning of period Posisi ekuitas, awal periode 6,167,291 2,773,858 12,170,722 3,022,685 122,286,786 146,421,342 391,248 146,812,590 Equity position, beginning of the period Laba (rugi) 20,508,121 20,508,121 32,133 20,540,254 Profit (loss) Pendapatan komprehensif 1,583,618 1,583,618 18,602 1,602,220 Other comprehensive income Distribusi dividen kas ( 10,478,309 ) ( 10,478,309 ) ( 5,195 ) ( 10,483,504 ) Distributions of cash dividends Transaksi ekuitas 140,474 140,474 Other equity transactions Posisi ekuitas, akhir periode 6,167,291 2,773,858 13,754,340 3,022,685 132,316,598 158,034,772 577,262 158,612,034 Equity position, end of the period
[4410000] Statement of changes in equity - Financial and Sharia Industry - Prior Year 30 September 2016 Laporan perubahan ekuitas Saham biasa Common stocks Tambahan modal disetor Additional paid-in capital 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 Kepentingan non-pengendali Non-controlling interests Ekuitas Equity Statement of changes i equit Posisi ekuitas Equity positi Saldo awal periode sebelum penyajian kembali 6,167,291 2,773,858 ( 2,841,309 ) 3,022,684 15,093,057 88,617,280 112,832,861 294,318 113,127,179 Balance before restatement at beginning of period Penyesuaian Adjustments Penyesuaian ( 49,155 ) ( 49,155 ) ( 49,155 ) Other adjustments Posisi ekuitas, awal periode 6,167,291 2,773,858 ( 2,841,309 ) 3,022,684 15,093,057 88,568,125 112,783,706 294,318 113,078,024 Equity position, beginning of the period Laba (rugi) 18,950,861 18,950,861 24,284 18,975,145 Profit (loss) Pendapatan komprehensif 16,621,857 16,621,857 17,829 16,639,686 Other comprehensive income Distribusi dividen kas ( 7,619,322 ) ( 7,619,322 ) ( 7,619,322 ) Distributions of cash dividends ekuitas melalui transaksi saham tresuri ( 132,573 ) ( 132,573 ) ( 132,573 ) Increase (decrease) in equity through treasury stock transactions Transaksi ekuitas ( 15,093,057 ) 15,093,057 Other equity transactions Posisi ekuitas, akhir periode 6,167,291 2,773,858 13,647,975 3,022,684 114,992,721 140,604,529 336,431 140,940,960 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 30 September 2017 30 September 2016 Statement of cash flows Cash flows from operating activities Cash flows before changes in operating assets and liabilities 75,311,008 68,441,400 Interest, investment income, fees and commissions received ( 20,820,596 ) ( 19,577,910 ) Payments Of Interest And Bonus Fees And Commissions 2,080,904 1,948,517 Revenue receipts from fund management as mudharib ( 915,417 ) ( 764,961 ) Payments of temporary syirkah funds Penerimaan premi asuransi 66,798 28,282 Receipts from insurance Pendapatan dari transaksi operasional Penerimaan kembali aset yang telah dihapusbukukan Penerimaan pengembalian (pembayaran) pajak penghasilan Pembayaran beban operasional Penerimaan pendapatan non-operasional aset operasi penempatan pada bank lain dan bank indonesia efek yang diperdagangkan efek yang dibeli dengan janji dijual kembali wesel ekspor dan tagihan pinjaman yang diberikan piutang pembiayaan konsumen piutang dan pembiayaan syariah piutang murabahah piutang istishna premiums 10,376,894 8,891,184 Income from other operating transactions 3,147,224 2,108,185 Recoveries of written off assets ( 7,703,496 ) ( 6,644,205 ) Refunds (payments) of income tax ( 25,450,131 ) ( 26,765,806 ) Payments for other operating expenses 145,747 1,144,626 Receipts from non-operating income Decrease (increase) in operating assets 92,610 Decrease (increase) in placements with other banks and bank indonesia ( 444,396 ) ( 1,406,267 ) Decrease (increase) in marketable securities ( 19,617,998 ) ( 2,960,628 ) Decrease (increase) in securities purchased under resale agreements 3,183,292 ( 2,578,925 ) Decrease (increase) in bills and other receivables ( 37,030,064 ) ( 52,452,977 ) Decrease (increase) in loans 116,469 ( 2,171,958 ) Decrease (increase) in consumer financing receivables Decrease (increase) in sharia financing and receivables 229,023 ( 778,116 ) Decrease (increase) in murabahah receivables ( 1,577 ) 1,099 Decrease (increase) in istishna receivables
piutang ijarah pinjaman qardh pembiayaan mudharabah pembiayaan musyarakah aset liabilitas operasi liabilitas segera giro dan tabungan simpanan nasabah deposito berjangka nasabah giro wadiah simpanan nasabah tabungan wadiah simpanan nasabah deposito wakalah simpanan nasabah simpanan dari bank lain tabungan mudharabah efek yang dijual dengan janji dibeli kembali liabilitas Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi Arus kas dari aktivitas investasi Penerimaan dari penyertaan saham dalam klasifikasi dimiliki hingga jatuh tempo dan tersedia untuk dijual Penerimaan dividen dari aktivitas investasi Penerimaan dari penjualan (perolehan) properti investasi Penerimaan dari penjualan (perolehan) aset tetap Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi ( 463,047 ) ( 14,179 ) Decrease (increase) in ijarah receivables ( 91,919 ) 68,710 Decrease (increase) in qardh funds ( 366,340 ) ( 227,453 ) Decrease (increase) in mudharabah financing 504,010 ( 193,977 ) Decrease (increase) in musyarakah financing ( 6,543,599 ) ( 2,357,801 ) Decrease (increase) in other assets Increase (decrease) in operating liabilities 1,400,277 21,489 Increase (decrease) in obligations due immediately ( 19,524,001 ) 2,775,798 Increase (decrease) in current accounts and customers savings 32,236,434 21,524,449 Increase (decrease) in customers time 326,337 ( 32,491 ) Increase (decrease) in customers wadiah demand 226,752 239,434 Increase (decrease) in customers wadiah saving 2,637,533 1,149,829 Increase (decrease) in customers wakalah 7,035,602 ( 1,843,221 ) Increase (decrease) in other banks saving 174,618 190,921 Increase (decrease) in mudharabah savings ( 871,890 ) ( 2,157,808 ) Increase (decrease) in securities sold under repurchase agreement 1,539,238 2,805,753 Increase (decrease) in other liabilities 893,689 ( 11,496,397 ) Total net cash flows received from (used in) operating activities Cash flows from investing activities ( 15,077,865 ) ( 1,655,219 ) Proceeds from equity investments classified as held-to-maturity and available-for-sale 32 5,132 Dividends received from investing activities 8,864 Proceeds from disposal (acquisition) of investment properties ( 1,197,806 ) ( 2,375,520 ) Proceeds from disposal (acquisition) of property and equipment ( 16,266,775 ) ( 4,025,607 ) Total net cash flows received from (used in) investing activities
Arus kas dari aktivitas pendanaan efek yang diterbitkan Pembayaran pinjaman yang diterima Pembayaran pinjaman subordinasi Penjualan (pembelian) dari saham tresuri Pembayaran dividen dari aktivitas 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 Cash flows from financing activities 6,737,696 9,954,702 Increase (decrease) in securities issued ( 11,137,898 ) ( 9,231,908 ) Payments for borrowings ( 10,686 ) Payments of subordinated loans ( 132,573 ) Sales (purchase) of treasury stocks ( 10,478,309 ) ( 7,619,322 ) Dividends paid from financing activities ( 14,878,511 ) ( 7,039,787 ) Total net cash flows received from (used in) financing activities ( 30,251,597 ) ( 22,561,791 ) Total net increase (decrease) in cash and cash equivalents 188,654,879 163,388,757 Cash and cash equivalents cash flows, beginning of the period 59,225 ( 7,284 ) Effect of exchange rate changes on cash and cash equivalents 158,462,507 140,819,682 Cash and cash equivalents cash flows, end of the period