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PT BANK PERMATA TBK
INFORMASI KEUANGAN PROSPEKTIF GABUNGAN/ COMBINED PROSPECTIVE FINANCIAL INFORMATION 31 DESEMBER 2020, 2021, DAN 2022/ 31 DECEMBER 2020, 2021, AND 2022
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 1/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2020
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/
Adjustments
Proyeksi/ Projection 31/12/2020
Bank Permata
Proyeksi/ Projection 31/12/2020
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2020
ASET ASSETS KAS 2.265.393 10.000 (10.000) 2.265.393 CASH CURRENT ACCOUNTS WITH BANK GIRO PADA BANK INDONESIA 6.121.585 927.000 (927.000) 6.121.585 INDONESIA GIRO PADA BANK-BANK LAIN - setelah CURRENT ACCOUNTS WITH dikurangi cadangan kerugian OTHER BANKS - net of allowance for penurunan nilai 614.753 252.766 - 867.519 impairment losses PENEMPATAN PADA BANK PLACEMENTS WITH BANK INDONESIA DAN BANK-BANK LAIN - INDONESIA AND OTHER BANKS - setelah dikurangi cadangan kerugian net of allowance for impairment penurunan nilai 11.311.304 12.340.033 (2.590.108) 21.061.229 losses ASET KEUANGAN UNTUK FINANCIAL ASSETS HELD DIPERDAGANGKAN 1.289.084 132.000 - 1.421.084 FOR TRADING EFEK-EFEK YANG DIBELI DENGAN SECURITIES PURCHASED JANJI DIJUAL KEMBALI 4.049.776 4.500.000 - 8.549.776 UNDER RESALE AGREEMENTS TAGIHAN AKSEPTASI - setelah dikurangi ACCEPTANCE RECEIVABLES - cadangan kerugian penurunan nilai 1.174.969 1.003.000 - 2.177.969 net of allowance for impairment losses KREDIT YANG DIBERIKAN 108.965.075 23.001.963 (2.164.321) 129.802.717 LOANS Dikurangi: Cadangan kerugian Less: Allowance for penurunan nilai (5.109.076) (5.430.000) 2.164.321 (8.374.755) impairment losses 103.855.999 17.571.963 - 121.427.962 EFEK-EFEK UNTUK TUJUAN INVESTASI - setelah dikurangi INVESTMENT SECURITIES - net of cadangan kerugian penurunan nilai 15.357.980 2.141.000 (1.200.120) 16.298.860 allowance for impairment losses
ASET TETAP - setelah dikurangi akumulasi FIXED ASSETS - net of penyusutan 2.842.134 101.000 (101.000) 2.842.134 accumulated depreciation
ASET TAKBERWUJUD - setelah dikurangi INTANGIBLE ASSETS - net of
akumulasi kerugian penurunan nilai accumulated impairment losses dan akumulasi amortisasi 666.098 1.000 (1.000) 666.098 and accumulated amortisation
ASET PAJAK TANGGUHAN - bersih 1.505.909 777.000 (349.650) 1.933.259 DEFERRED TAX ASSETS - net ASET LAIN-LAIN - bersih 4.450.292 127.037 - 4.577.329 OTHER ASSETS - net JUMLAH ASET 155.505.276 39.883.799 (5.178.878) 190.210.197 TOTAL ASSETS
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 1/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2020
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2020
Bank Permata
Proyeksi/ Projection 31/12/2020
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2020
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
LIABILITAS SEGERA 396.301 - - 396.301 LIABILITIES PAYABLE ON DEMAND
SIMPANAN DARI NASABAH DEPOSITS FROM CUSTOMERS Giro 36.407.233 3.042.000 - 39.449.233 Demand deposits Tabungan 31.036.174 - - 31.036.174 Savings
Deposito berjangka 56.649.155 7.549.000 - 64.198.155 Time deposits
SIMPANAN DARI BANK-BANK LAIN 2.056.239 210.000 - 2.266.239 DEPOSITS FROM OTHER BANKS
LIABILITAS KEUANGAN UNTUK FINANCIAL LIABILITIES HELD DIPERDAGANGKAN 225.974 34.000 - 259.974 FOR TRADING
UTANG AKSEPTASI 1.208.078 1.786.000 - 2.994.078 ACCEPTANCE PAYABLES
PINJAMAN DITERIMA 12.881 - - 12.881 BORROWINGS
BEBAN MASIH HARUS DIBAYAR 1.454.456 - - 1.454.456 ACCRUALS
LIABILITAS LAIN-LAIN 863.259 1.332.000 (1.332.000) 863.259 OTHER LIABILITIES
OBLIGATION FOR POST- LIABILITAS IMBALAN PASCAKERJA 148.796 6.000 (6.000) 148.796 EMPLOYMENT BENEFITS
PROVISI 55.651 - - 55.651 PROVISIONS
UTANG SUBORDINASI 1.225.336 - - 1.225.336 SUBORDINATED DEBTS DECLARED WORKING DANA USAHA YANG DINYATAKAN - 23.976.000 (23.976.000) - CAPITAL FUNDS
ADDITIONAL TIER-1 CAPITAL - - 10.000.000 10.000.000 ADDITIONAL TIER-1 CAPITAL JUMLAH LIABILITAS 131.739.533 37.935.000 (15.314.000) 154.360.533 TOTAL LIABILITIES
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 1/3 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2020
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2020
Bank Permata
Proyeksi/ Projection 31/12/2020
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2020
LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity kepada pemilik entitas induk holders of the parent entity
Modal saham 3.837.985 3.690.957 (3.690.957) 3.837.985 Share capital
Tambahan modal disetor - bersih 17.252.901 - - 17.252.901 Additional paid-in capital - net
Cadangan nilai wajar bersih - efek-efek untuk Net fair value reserve - investment tujuan investasi dan penempatan pada securities and placement in
Negotiable Certificate Deposits 95.284 5.000 - 100.284 Negotiable Certificate Deposits
Cadangan revaluasi aset tetap 1.853.060 - - 1.853.060 Fixed assets revaluation reserve Setoran modal dibayar dimuka - - 11.096.000 11.096.000 Advance capital payment Saldo laba Retained earnings Telah ditentukan penggunaannya 363.624 - - 363.624 Appropriated
Belum ditentukan penggunaannya 362.879 (1.747.158) 2.730.079 1.345.800 Unappropriated
23.765.733 1.948.799 10.135.122 35.849.654
Kepentingan non-pengendali 10 - - 10 Non-controlling interests
JUMLAH EKUITAS 23.765.743 1.948.799 10.135.122 35.849.664 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 155.505.276 39.883.799 (5.178.878) 190.210.197 TOTAL LIABILITIES AND EQUITY
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 2/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN
KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2020
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED
31 DECEMBER 2020
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/
Adjustments
Proyeksi/ Projection 31/12/2020
Bank Permata
Proyeksi/ Projection 31/12/2020
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2020
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES Pendapatan bunga 11.093.934 1.754.456 (188.071) 12.660.319 Interest income Beban bunga (5.187.556) (487.432) - (5.674.988) Interest expense Pendapatan bunga bersih 5.906.378 1.267.024 (188.071) 6.985.331 Net interest income Pendapatan provisi dan komisi - bersih 1.198.143 50.000 - 1.248.143 Net fees and commission income Pendapatan transaksi perdagangan - bersih 364.113 52.404 - 416.517 Net trading income Pendapatan operasional lainnya 123.519 1.009 - 124.528 Other operating income Jumlah pendapatan operasional 7.592.153 1.370.437 (188.071) 8.774.519 Total operating income Kerugian penurunan nilai aset keuangan (2.333.328) (520.000) 104.000 (2.749.328) Impairment losses on financial assets Beban operasional lainnya Other operating expenses Umum dan administrasi (1.624.020) (24.000) - (1.648.020) General and administrative Gaji dan tunjangan pengurus Salaries and benefits to dan karyawan (2.588.747) (50.700) - (2.639.447) management and employees Lain-lain (303.606) (11.000) - (314.606) Others Jumlah beban operasional lainnya (4.516.373) (85.700) - (4.602.073) Total other operating expenses Jumlah beban operasional (6.849.701) (605.700) 104.000 (7.351.401) Total operating expenses LABA SEBELUM PAJAK PENGHASILAN 742.452 764.737 (84.071) 1.423.118 INCOME BEFORE INCOME TAX BEBAN PAJAK PENGHASILAN (381.704) (305.895) 153.696 (533.903) INCOME TAX EXPENSE LABA BERSIH 360.748 458.842 69.625 889.215 NET INCOME
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 2/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN
KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2020
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED
31 DECEMBER 2020
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2020
Bank Permata
Proyeksi/ Projection 31/12/2020
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2020
LABA BERSIH 360.748 458.842 69.625 889.215 NET INCOME PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE INCOME, SETELAH PAJAK PENGHASILAN: NET OF INCOME TAX: Pos-pos yang akan direklasifikasi ke Items that will be reclassified to laba rugi profit or loss Aset keuangan tersedia untuk dijual, Available-for-sale financial assets, yang diukur pada nilai wajar measured at fair value through melalui penghasilan komprehensif lain: other comprehensive income: Perubahan nilai wajar bersih 57.865 (5.356) 1.093 53.602 Net change in fair value Perubahan nilai wajar yang Net fair value changes ditransfer ke laba rugi pada transferred to profit saat penjualan bersih (27.011) - - (27.011) or loss on disposal Pajak penghasilan terkait pos-pos yang Income tax related to items that will akan direklasifikasikan ke laba rugi (6.899) 2.142 (1.093) (5.850) be reclassified to profit or loss 23.955 (3.214) - 20.741 Pos-pos yang tidak akan direklasifikasi Items that will not be reclassified ke laba rugi to profit or loss Pengukuran kembali atas liabilitas Remeasurements of defined benefit imbalan pasti (46.009) 33.910 (33.910) (46.009) liabilities Pajak penghasilan terkait pos-pos yang Income tax related to items that will tidak akan direklasifikasi ke laba rugi 10.288 (13.564) 13.564 10.288 not be reclassified to profit or loss (35.721) 20.346 (20.346) (35.721) PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE SETELAH PAJAK PENGHASILAN (11.766) 17.132 (20.346) (14.980) INCOME, NET OF INCOME TAX JUMLAH LABA KOMPREHENSIF 348.982 475.974 49.279 874.235 TOTAL COMPREHENSIVE INCOME
LABA BERSIH YANG DAPAT NET INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 360.748 458.842 69.625 889.215 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 360.748 458.842 69.625 889.215
LABA KOMPREHENSIF YANG DAPAT COMPREHENSIVE INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 348.982 475.974 49.279 874.235 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 348.982 475.974 49.279 874.235 BASIC AND DILUTED LABA BERSIH PER SAHAM DASAR EARNINGS PER SHARE DAN DILUSIAN YANG DAPAT ATTRIBUTABLE TO EQUITY DIATRIBUSIKAN KEPADA PEMILIK HOLDERS OF THE PARENT ENTITAS INDUK (Rupiah penuh) 13 32 ENTITY (whole Rupiah)
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 3/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2021 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2021
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2021
Bank Permata
Proyeksi/ Projection 31/12/2021
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2021
ASET ASSETS KAS 2.281.329 10.000 (10.000) 2.281.329 CASH CURRENT ACCOUNTS WITH BANK GIRO PADA BANK INDONESIA 6.994.780 1.001.000 (927.924) 7.067.856 INDONESIA GIRO PADA BANK-BANK LAIN - setelah CURRENT ACCOUNTS WITH dikurangi cadangan kerugian OTHER BANKS - net of allowance for penurunan nilai 1.017.640 272.000 - 1.289.640 impairment losses PENEMPATAN PADA BANK PLACEMENTS WITH BANK INDONESIA DAN BANK-BANK LAIN - INDONESIA AND OTHER BANKS - setelah dikurangi cadangan kerugian net of allowance for impairment penurunan nilai 11.956.369 11.625.908 (23.700) 23.558.577 losses ASET KEUANGAN UNTUK FINANCIAL ASSETS HELD DIPERDAGANGKAN 1.514.466 144.000 - 1.658.466 FOR TRADING EFEK-EFEK YANG DIBELI DENGAN SECURITIES PURCHASED JANJI DIJUAL KEMBALI 2.960.884 3.500.000 - 6.460.884 UNDER RESALE AGREEMENTS TAGIHAN AKSEPTASI - setelah dikurangi ACCEPTANCE RECEIVABLES - cadangan kerugian penurunan nilai 1.267.956 1.094.000 - 2.361.956 net of allowance for impairment losses KREDIT YANG DIBERIKAN 116.609.529 25.663.000 2.504.205 144.776.734 LOANS Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (5.871.070) (5.892.000) 2.103.630 (9.659.440) impairment losses 110.738.459 19.771.000 4.607.835 135.117.294 EFEK-EFEK UNTUK TUJUAN INVESTASI - setelah dikurangi INVESTMENT SECURITIES - net of cadangan kerugian penurunan nilai 15.329.884 2.333.000 6.013.847 23.676.731 allowance for impairment losses
ASET TETAP - setelah dikurangi akumulasi FIXED ASSETS - net of penyusutan 2.817.514 110.000 (110.000) 2.817.514 accumulated depreciation
ASET TAKBERWUJUD - setelah dikurangi INTANGIBLE ASSETS - net of
akumulasi kerugian penurunan nilai accumulated impairment losses dan akumulasi amortisasi 834.929 1.000 (1.000) 834.929 and accumulated amortisation
ASET PAJAK TANGGUHAN - bersih 1.224.282 747.000 (336.150) 1.635.132 DEFERRED TAX ASSETS - net ASET LAIN-LAIN - bersih 4.736.067 136.000 - 4.872.067 OTHER ASSETS - net JUMLAH ASET 163.674.559 40.744.908 9.212.908 213.632.375 TOTAL ASSETS
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 3/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2021 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2021
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2021
Bank Permata
Proyeksi/ Projection 31/12/2021
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2021
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
LIABILITAS SEGERA 294.840 - - 294.840 LIABILITIES PAYABLE ON DEMAND
SIMPANAN DARI NASABAH DEPOSITS FROM CUSTOMERS Giro 37.584.642 3.216.000 6.338.691 47.139.333 Demand deposits Tabungan 34.491.194 - 1.000.000 35.491.194 Savings
Deposito berjangka 60.508.114 8.128.000 6.555.278 75.191.392 Time deposits
SIMPANAN DARI BANK-BANK LAIN 2.185.904 229.000 - 2.414.904 DEPOSITS FROM OTHER BANKS
LIABILITAS KEUANGAN UNTUK FINANCIAL LIABILITIES HELD DIPERDAGANGKAN 226.200 37.000 - 263.200 FOR TRADING
UTANG AKSEPTASI 1.302.550 1.947.000 - 3.249.550 ACCEPTANCE PAYABLES
PINJAMAN DITERIMA 12.881 - - 12.881 BORROWINGS
BEBAN MASIH HARUS DIBAYAR 1.022.086 - - 1.022.086 ACCRUALS
LIABILITAS LAIN-LAIN 606.121 679.900 (679.900) 606.121 OTHER LIABILITIES
OBLIGATION FOR POST- LIABILITAS IMBALAN PASCAKERJA 106.791 7.000 (7.000) 106.791 EMPLOYMENT BENEFITS
PROVISI 54.736 - - 54.736 PROVISIONS
UTANG SUBORDINASI 510.759 - - 510.759 SUBORDINATED DEBTS DECLARED WORKING DANA USAHA YANG DINYATAKAN - 23.976.000 (23.976.000) - CAPITAL FUNDS
ADDITIONAL TIER-1 CAPITAL - - 10.000.000 10.000.000 ADDITIONAL TIER-1 CAPITAL
JUMLAH LIABILITAS 138.906.818 38.219.900 (768.931) 176.357.787 TOTAL LIABILITIES
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 3/3 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2021 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2021
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2021
Bank Permata
Proyeksi/ Projection 31/12/2021
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2021
LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity kepada pemilik entitas induk holders of the parent entity
Modal saham 3.837.985 3.690.957 (1.446.857) 6.082.085 Share capital
Tambahan modal disetor - bersih 17.252.901 - - 17.252.901 Additional paid-in capital - net
Cadangan nilai wajar bersih - efek-efek untuk Net fair value reserve - investment
tujuan investasi dan penempatan pada securities and placement in
Negotiable Certificate Deposits 63.797 6.000 - 69.797 Negotiable Certificate Deposits
Cadangan revaluasi aset tetap 1.853.060 - - 1.853.060 Fixed assets revaluation reserve Setoran modal dibayar dimuka - - 9.096.000 9.096.000 Advance capital payment Saldo laba Retained earnings Telah ditentukan penggunaannya 363.624 - - 363.624 Appropriated
Belum ditentukan penggunaannya 1.396.364 (1.171.949) 2.332.696 2.557.111 Unappropriated
24.767.731 2.525.008 9.981.839 37.274.578
Kepentingan non-pengendali 10 - - 10 Non-controlling interests
JUMLAH EKUITAS 24.767.741 2.525.008 9.981.839 37.274.588 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 163.674.559 40.744.908 9.212.908 213.632.375 TOTAL LIABILITIES AND EQUITY
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 4/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN
KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2021
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED
31 DECEMBER 2021
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/
Adjustments
Proyeksi/ Projection 31/12/2021
Bank Permata
Proyeksi/ Projection 31/12/2021
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2021
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES Pendapatan bunga 11.729.664 2.056.734 183.691 13.970.089 Interest income Beban bunga (5.561.103) (609.000) (836.133) (7.006.236) Interest expense Pendapatan bunga bersih 6.168.561 1.447.734 (652.442) 6.963.853 Net interest income Pendapatan provisi dan komisi - bersih 1.354.338 62.000 25.565 1.441.903 Net fees and commission income Pendapatan transaksi perdagangan - bersih 362.122 65.905 - 428.027 Net trading income Pendapatan operasional lainnya 130.046 1.015 - 131.061 Other operating income Jumlah pendapatan operasional 8.015.067 1.576.654 (626.877) 8.964.844 Total operating income Kerugian penurunan nilai aset keuangan (2.279.580) (520.000) (60.691) (2.860.271) Impairment losses on financial assets Beban operasional lainnya Other operating expenses Umum dan administrasi (1.655.033) (30.000) (38.706) (1.723.739) General and administrative Gaji dan tunjangan pengurus Salaries and benefits to dan karyawan (2.490.929) (58.305) - (2.549.234) management and employees Lain-lain (309.403) (13.000) - (322.403) Others Jumlah beban operasional lainnya (4.455.365) (101.305) (38.706) (4.595.376) Total other operating expenses Jumlah beban operasional (6.734.945) (621.305) (99.397) (7.455.647) Total operating expenses LABA SEBELUM PAJAK PENGHASILAN 1.280.122 955.349 (726.274) 1.509.197 INCOME BEFORE INCOME TAX BEBAN PAJAK PENGHASILAN (286.394) (382.140) 330.891 (337.643) INCOME TAX EXPENSE LABA BERSIH 993.728 573.209 (395.383) 1.171.554 NET INCOME
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 4/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN
KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2021
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED
31 DECEMBER 2021
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2021
Bank Permata
Proyeksi/ Projection 31/12/2021
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2021
LABA BERSIH 993.728 573.209 (395.383) 1.171.554 NET INCOME PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE INCOME, SETELAH PAJAK PENGHASILAN: NET OF INCOME TAX: Pos-pos yang akan direklasifikasi ke Items that will be reclassified to laba rugi profit or loss Aset keuangan tersedia untuk dijual, Available-for-sale financial assets, yang diukur pada nilai wajar measured at fair value through melalui penghasilan komprehensif lain: other comprehensive income: Perubahan nilai wajar bersih (76.071) 1.667 (191) (74.595) Net change in fair value Perubahan nilai wajar yang Net fair value changes ditransfer ke laba rugi pada transferred to profit saat penjualan bersih 35.509 - - 35.509 or loss on disposal Pajak penghasilan terkait pos-pos yang Income tax related to items that will akan direklasifikasikan ke laba rugi 9.075 (667) 191 8.599 be reclassified to profit or loss (31.487) 1.000 - (30.487) Pos-pos yang tidak akan direklasifikasi Items that will not be reclassified ke laba rugi to profit or loss Pengukuran kembali atas liabilitas Remeasurements of defined benefit imbalan pasti 51.215 3.333 (3.333) 51.215 liabilities Pajak penghasilan terkait pos-pos yang Income tax related to items that will tidak akan direklasifikasi ke laba rugi (11.458) (1.333) 1.333 (11.458) not be reclassified to profit or loss 39.757 2.000 (2.000) 39.757 PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE SETELAH PAJAK PENGHASILAN 8.270 3.000 (2.000) 9.270 INCOME, NET OF INCOME TAX JUMLAH LABA KOMPREHENSIF 1.001.998 576.209 (397.383) 1.180.824 TOTAL COMPREHENSIVE INCOME
LABA BERSIH YANG DAPAT NET INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 993.728 573.209 (395.383) 1.171.554 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 993.728 573.209 (395.383) 1.171.554
LABA KOMPREHENSIF YANG DAPAT COMPREHENSIVE INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 1.001.998 576.209 (397.383) 1.180.824 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 1.001.998 576.209 (397.383) 1.180.824 BASIC AND DILUTED LABA BERSIH PER SAHAM DASAR EARNINGS PER SHARE DAN DILUSIAN YANG DAPAT ATTRIBUTABLE TO EQUITY DIATRIBUSIKAN KEPADA PEMILIK HOLDERS OF THE PARENT ENTITAS INDUK (Rupiah penuh) 35 39 ENTITY (whole Rupiah)
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 5/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2022
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2022
Bank Permata
Proyeksi/ Projection 31/12/2022
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2022
ASET ASSETS KAS 2.297.685 10.000 (10.000) 2.297.685 CASH CURRENT ACCOUNTS WITH BANK GIRO PADA BANK INDONESIA 7.497.782 1.081.000 (737.216) 7.841.566 INDONESIA GIRO PADA BANK-BANK LAIN - setelah CURRENT ACCOUNTS WITH dikurangi cadangan kerugian OTHER BANKS - net of allowance for penurunan nilai 1.038.180 293.000 - 1.331.180 impairment losses PENEMPATAN PADA BANK PLACEMENTS WITH BANK INDONESIA DAN BANK-BANK LAIN - INDONESIA AND OTHER BANKS - setelah dikurangi cadangan kerugian net of allowance for impairment penurunan nilai 12.383.075 10.894.924 1.772.710 25.050.709 losses ASET KEUANGAN UNTUK FINANCIAL ASSETS HELD DIPERDAGANGKAN 1.540.695 161.000 - 1.701.695 FOR TRADING EFEK-EFEK YANG DIBELI DENGAN SECURITIES PURCHASED JANJI DIJUAL KEMBALI 3.444.449 2.500.000 - 5.944.449 UNDER RESALE AGREEMENTS TAGIHAN AKSEPTASI - setelah dikurangi ACCEPTANCE RECEIVABLES - cadangan kerugian penurunan nilai 1.370.590 1.226.000 - 2.596.590 net of allowance for impairment losses KREDIT YANG DIBERIKAN 125.846.825 29.342.000 10.100.333 165.289.158 LOANS Dikurangi: Cadangan kerugian Less: Allowance for
penurunan nilai (5.277.616) (6.392.000) 1.944.190 (9.725.426) impairment losses 120.569.209 22.950.000 12.044.523 155.563.732 EFEK-EFEK UNTUK TUJUAN INVESTASI - setelah dikurangi INVESTMENT SECURITIES - net of cadangan kerugian penurunan nilai 15.279.064 2.613.000 9.799.351 27.691.415 allowance for impairment losses
ASET TETAP - setelah dikurangi akumulasi FIXED ASSETS - net of penyusutan 2.821.549 123.000 (123.000) 2.821.549 accumulated depreciation
ASET TAK BERWUJUD - setelah dikurangi INTANGIBLE ASSETS - net of
akumulasi kerugian penurunan nilai accumulated impairment losses dan akumulasi amortisasi 1.108.471 1.000 (1.000) 1.108.471 and accumulated amortisation
ASET PAJAK TANGGUHAN - bersih 675.303 737.000 (368.500) 1.043.803 DEFERRED TAX ASSETS - net ASET LAIN-LAIN - bersih 5.227.074 153.000 - 5.380.074 OTHER ASSETS - net JUMLAH ASET 175.253.126 42.742.924 22.376.868 240.372.918 TOTAL ASSETS
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 5/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2022 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2022
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2022
Bank Permata
Proyeksi/ Projection 31/12/2022
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2022
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
LIABILITAS SEGERA 275.999 - - 275.999 LIABILITIES PAYABLE ON DEMAND
SIMPANAN DARI NASABAH DEPOSITS FROM CUSTOMERS Giro 40.598.235 3.402.000 10.973.430 54.973.665 Demand deposits Tabungan 38.226.271 - 3.000.000 41.226.271 Savings
Deposito berjangka 63.360.781 9.003.000 13.081.277 85.445.058 Time deposits
SIMPANAN DARI BANK-BANK LAIN 2.357.950 256.000 - 2.613.950 DEPOSITS FROM OTHER BANKS
LIABILITAS KEUANGAN UNTUK FINANCIAL LIABILITIES HELD DIPERDAGANGKAN 226.426 41.000 - 267.426 FOR TRADING
UTANG AKSEPTASI 1.406.468 2.181.000 - 3.587.468 ACCEPTANCE PAYABLES
PINJAMAN DITERIMA 12.881 - - 12.881 BORROWINGS
BEBAN MASIH HARUS DIBAYAR 860.376 - - 860.376 ACCRUALS
LIABILITAS LAIN-LAIN 615.276 706.500 (706.500) 615.276 OTHER LIABILITIES
OBLIGATION FOR POST- LIABILITAS IMBALAN PASCAKERJA 80.872 8.000 (8.000) 80.872 EMPLOYMENT BENEFITS
PROVISI 49.739 - - 49.739 PROVISIONS
UTANG SUBORDINASI 511.116 - - 511.116 SUBORDINATED DEBTS DECLARED WORKING DANA USAHA YANG DINYATAKAN - 23.976.000 (23.976.000) - CAPITAL FUNDS
ADDITIONAL TIER-1 CAPITAL - - 10.000.000 10.000.000 ADDITIONAL TIER-1 CAPITAL
JUMLAH LIABILITAS 148.582.390 39.573.500 12.364.207 200.520.097 TOTAL LIABILITIES
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 5/3 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN POSISI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2022 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF FINANCIAL POSITION 31 DECEMBER 2022
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2022
Bank Permata
Proyeksi/ Projection 31/12/2022
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2022
LIABILITAS DAN EKUITAS (lanjutan) LIABILITIES AND EQUITY (continued)
EKUITAS EQUITY
Ekuitas yang dapat diatribusikan Equity attributable to equity kepada pemilik entitas induk holders of the parent entity
Modal saham 3.837.985 3.690.957 797.243 8.326.185 Share capital
Tambahan modal disetor - bersih 17.252.901 - - 17.252.901 Additional paid-in capital - net
Cadangan nilai wajar bersih - efek-efek untuk Net fair value reserve - investment tujuan investasi dan penempatan pada securities and placement in
Negotiable Certificate Deposits 87.938 7.000 - 94.938 Negotiable Certificate Deposits
Cadangan revaluasi aset tetap 1.853.060 - - 1.853.060 Fixed assets revaluation reserve
Setoran modal dibayar dimuka - - 7.096.000 7.096.000 Advance capital payment Saldo laba Retained earnings Telah ditentukan penggunaannya 363.624 - - 363.624 Appropriated
Belum ditentukan penggunaannya 3.275.218 (528.533) 2.119.418 4.866.103 Unappropriated
26.670.726 3.169.424 10.012.661 39.852.811
Kepentingan non-pengendali 10 - - 10 Non-controlling interests
JUMLAH EKUITAS 26.670.736 3.169.424 10.012.661 39.852.821 TOTAL EQUITY
JUMLAH LIABILITAS DAN EKUITAS 175.253.126 42.742.924 22.376.868 240.372.918 TOTAL LIABILITIES AND EQUITY
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 6/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2022
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE STATEMENTS OF PROFIT OR LOSS AND OTHER
COMPREHENSIVE INCOME FOR THE YEAR ENDED 31 DECEMBER 2022
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/
Adjustments
Proyeksi/ Projection 31/12/2022
Bank Permata
Proyeksi/ Projection 31/12/2022
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2022
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES Pendapatan bunga 12.668.037 2.240.394 1.073.893 15.982.324 Interest income Beban bunga (5.594.533) (680.000) (1.390.959) (7.665.492) Interest expense Pendapatan bunga bersih 7.073.504 1.560.394 (317.066) 8.316.832 Net interest income Pendapatan provisi dan komisi - bersih 1.515.611 69.000 83.282 1.667.893 Net fees and commission income Pendapatan transaksi perdagangan - bersih 410.826 71.990 - 482.816 Net trading income Pendapatan operasional lainnya 136.817 1.026 - 137.843 Other operating income Jumlah pendapatan operasional 9.136.758 1.702.410 (233.784) 10.605.384 Total operating income Kerugian penurunan nilai aset keuangan (1.919.089) (520.000) (159.440) (2.598.529) Impairment losses on financial assets Beban operasional lainnya Other operating expenses
Umum dan administrasi (1.737.720) (34.000) (111.576) (1.883.296) General and administrative Gaji dan tunjangan pengurus Salaries and benefits to dan karyawan (2.659.726) (67.050) - (2.726.776) management and employees Lain-lain (324.860) (14.000) - (338.860) Others Jumlah beban operasional lainnya (4.722.306) (115.050) (111.576) (4.948.932) Total other operating expenses Jumlah beban operasional (6.641.395) (635.050) (271.016) (7.547.461) Total operating expenses LABA SEBELUM PAJAK PENGHASILAN 2.495.363 1.067.360 (504.800) 3.057.923 INCOME BEFORE INCOME TAX BEBAN PAJAK PENGHASILAN (506.221) (426.944) 312.305 (620.860) INCOME TAX EXPENSE LABA BERSIH 1.989.142 640.416 (192.495) 2.437.063 NET INCOME
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these combined prospective
financial information.
Lampiran - 6/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN LABA RUGI DAN PENGHASILAN
KOMPREHENSIF LAIN PROSPEKTIF GABUNGAN UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2022
(Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE
STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEAR ENDED
31 DECEMBER 2022
(Expressed in millions of Rupiah, unless otherwise stated)
Penyesuaian/ Adjustments
Proyeksi/ Projection 31/12/2022
Bank Permata
Proyeksi/ Projection 31/12/2022
BBI
Penyesuaian transaksi/
Transaction related
adjustments
Prospektif gabungan/ Combined
prospective 31/12/2022
LABA BERSIH 1.989.142 640.416 (192.495) 2.437.063 NET INCOME PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE INCOME, SETELAH PAJAK PENGHASILAN: NET OF INCOME TAX: Pos-pos yang akan direklasifikasi ke Items that will be reclassified to laba rugi profit or loss Aset keuangan tersedia untuk dijual, Available-for-sale financial assets, yang diukur pada nilai wajar measured at fair value through melalui penghasilan komprehensif lain: other comprehensive income: Perubahan nilai wajar bersih 56.810 1.667 (531) 57.946 Net change in fair value Perubahan nilai wajar yang Net fair value changes ditransfer ke laba rugi pada transferred to profit saat penjualan bersih (26.518) - - (26.518) or loss on disposal Pajak penghasilan terkait pos-pos yang Income tax related to items that will akan direklasifikasikan ke laba rugi (6.150) (667) 531 (6.286) be reclassified to profit or loss 24.142 1.000 - 25.142 Pos-pos yang tidak akan direklasifikasi Items that will not be reclassified ke laba rugi to profit or loss Pengukuran kembali atas liabilitas Remeasurements of defined benefit imbalan pasti (13.696) 5.000 (5.000) (13.696) liabilities Pajak penghasilan terkait pos-pos yang Income tax related to items that will tidak akan direklasifikasi ke laba rugi 2.780 (2.000) 2.000 2.780 not be reclassified to profit or loss (10.916) 3.000 (3.000) (10.916) PENGHASILAN KOMPREHENSIF LAIN, OTHER COMPREHENSIVE SETELAH PAJAK PENGHASILAN 13.226 4.000 (3.000) 14.226 INCOME, NET OF INCOME TAX JUMLAH LABA KOMPREHENSIF 2.002.368 644.416 (195.495) 2.451.289 TOTAL COMPREHENSIVE INCOME
LABA BERSIH YANG DAPAT NET INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 1.989.142 640.416 (192.495) 2.437.063 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 1.989.142 640.416 (192.495) 2.437.063 LABA KOMPREHENSIF YANG DAPAT COMPREHENSIVE INCOME DIATRIBUSIKAN KEPADA: ATTRIBUTABLE TO: Pemilik entitas induk 2.002.368 644.416 (195.495) 2.451.289 Equity holders of the parent entity Kepentingan non-pengendali - - - - Non-controlling interests 2.002.368 644.416 (195.495) 2.451.289 BASIC AND DILUTED LABA BERSIH PER SAHAM DASAR EARNINGS PER SHARE DAN DILUSIAN YANG DAPAT ATTRIBUTABLE TO EQUITY DIATRIBUSIKAN KEPADA PEMILIK HOLDERS OF THE PARENT ENTITAS INDUK (Rupiah penuh) 71 78 ENTITY (whole Rupiah)
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these
combined prospective financial information.
Lampiran - 7/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN PERUBAHAN EKUITAS PROSPEKTIF GABUNGAN
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2020 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE STATEMENTS OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2020 (Expressed in millions of Rupiah, unless otherwise stated)
2020
Dapat diatribusikan kepada pemilik entitas induk /Attributable to equity holders of the parent entity
Modal
saham/ Share capital
Tambahan modal
disetor- bersih/
Additional paid-in
capital - net
Cadangan nilai wajar
bersih - efek-efek untuk tujuan investasi dan
penempatan pada Negotiable Certificate
Deposits/ Net fair value reserve -
investment securities and placement in
Negotiable Certificate Deposits
Cadangan revaluasi
aset tetap/ Fixed assets
revaluation reserve
Setoran modal dibayar
dimuka/ Advanced
capital payment
Saldo laba/
Retained earnings
Jumlah/
Total
Kepentingan
nonpengendali/ Non-
controlling interests
Jumlah ekuitas/
Total equity
Telah ditentukan
penggunaanya/ Appropriated
Belum Ditentukan
penggunaannya/ Unappropriated1)
Saldo, 1 Januari 2020 3.837.985 17.252.901 79.543 1.853.060 - 363.624 1.112.895 24.500.008 10 24.500.018 Balance, 1 January 2020
Dampak penerapan PSAK 71 Impact on implementation dan 73 - bersih - - - - - - (620.589) (620.589) - (620.589) SFAS 71 and 73 - net
Saldo, 1 Januari 2020 setelah dampak Balance, 1 January 2020 penerapan PSAK 71 dan 73 3.837.985 17.252.901 79.543 1.853.060 - 363.624 492.306 23.879.419 10 23.879.429 after impact on SFAS 71 and 73
Setoran modal dibayar dimuka - - - - 11.096.000 - - 11.096.000 - 11.096.000 Advance capital payment
Laba komprehensif tahun berjalan: Comprehensive income for the year:
Laba bersih - - - - - - 889.215 889.215 - 889.215 Net income Penghasilan komprehensif lain, Other comprehensive income,
setelah pajak penghasilan: net of income tax: Cadangan nilai wajar bersih - Net fair value reserve -
efek-efek untuk tujuan investasi investment securities dan penempatan pada and placement in
Negotiable Certificate Deposits: Negotiable Certificate Deposits: Perubahan nilai wajar bersih - - 41.712 - - - - 41.712 - 41.712 Net change in fair value
Perubahan nilai wajar yang Net fair value ditransfer ke laporan laba rugi changes transferred
pada saat penjualan - bersih - - (20.971) - - - - (20.971) - (20.971) to profit or loss on disposal Pengukuran kembali atas liabilitas Remeasurements of defined
imbalan pasti - bersih - - - - - - (35.721) (35.721) - (35.721) benefit liabilities - net
Saldo, 31 Desember 2020 3.837.985 17.252.901 100.284 1.853.060 11.096.000 363.624 1.345.800 35.849.654 10 35.849.664 Balance, 31 December 2020
1) Termasuk dalam saldo laba adalah pengukuran kembali atas liabilitas imbalan pasti - bersih Included in retained earnings are remeasurements of defined benefit liabilities - net 1)
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these
combined prospective financial information.
Lampiran - 7/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN PERUBAHAN EKUITAS PROSPEKTIF GABUNGAN
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2021 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE STATEMENTS OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2021 (Expressed in millions of Rupiah, unless otherwise stated)
2021
Dapat diatribusikan kepada pemilik entitas induk /Attributable to equity holders of the parent entity
Modal
saham/ Share capital
Tambahan modal
disetor- bersih/
Additional paid-in
capital - net
Cadangan nilai wajar
bersih - efek-efek untuk tujuan investasi dan
penempatan pada Negotiable Certificate
Deposits/ Net fair value reserve -
investment securities and placement in
Negotiable Certificate Deposits
Cadangan revaluasi
aset tetap/ Fixed assets
revaluation reserve
Setoran modal dibayar
dimuka/ Advanced
capital payment
Saldo laba/
Retained earnings
Jumlah/
Total
Kepentingan
nonpengendali/ Non-
controlling interests
Jumlah ekuitas/
Total equity
Telah ditentukan
penggunaanya/ Appropriated
Belum Ditentukan
penggunaannya/ Unappropriated1)
Saldo, 1 Januari 2021 3.837.985 17.252.901 100.284 1.853.060 11.096.000 363.624 1.345.800 35.849.654 10 35.849.664 Balance, 1 January 2021
Penambahan saham baru dari penerbitan saham Addition of new shares from melalui Hak Memesan Efek Terlebih Dahulu exercise of pre-emptive rights issue
pada tahun 2021 2.244.100 - - - (2.000.000) - - 244.100 - 244.100 in 2021
Laba komprehensif tahun berjalan: Comprehensive income for the year: Laba bersih - - - - - - 1.171.554 1.171.554 - 1.171.554 Net income
Penghasilan komprehensif lain, Other comprehensive income, setelah pajak penghasilan: net of income tax:
Cadangan nilai wajar bersih - Net fair value reserve - efek-efek untuk tujuan investasi investment securities
dan penempatan pada and placement in Negotiable Certificate Deposits: Negotiable Certificate Deposits:
Perubahan nilai wajar bersih - - (58.052) - - - - (58.052) - (58.052) Net change in fair value Perubahan nilai wajar yang Net fair value
ditransfer ke laporan laba rugi changes transferred pada saat penjualan - bersih - - 27.565 - - - - 27.565 - 27.565 to profit or loss on disposal
Pengukuran kembali atas liabilitas Remeasurements of defined imbalan pasti - bersih - - - - - - 39.757 39.757 - 39.757 benefit liabilities - net
Saldo, 31 Desember 2021 6.082.085 17.252.901 69.797 1.853.060 9.096.000 363.624 2.557.111 37.274.578 10 37.274.588 Balance, 31 December 2021
1) Termasuk dalam saldo laba adalah pengukuran kembali atas liabilitas imbalan pasti - bersih Included in retained earnings are remeasurements of defined benefit liabilities - net 1)
PT BANK PERMATA Tbk
Catatan atas informasi keuangan prospektif gabungan terlampir merupakan bagian yang tidak terpisahkan dari informasi keuangan prospektif gabungan.
The accompanying notes to the combined prospective financial information form an integral part of these
combined prospective financial information.
Lampiran - 7/3 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
LAPORAN PERUBAHAN EKUITAS PROSPEKTIF GABUNGAN
UNTUK TAHUN YANG BERAKHIR 31 DESEMBER 2022 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
COMBINED PROSPECTIVE STATEMENTS OF CHANGES IN EQUITY
FOR THE YEAR ENDED 31 DECEMBER 2022 (Expressed in millions of Rupiah, unless otherwise stated)
2022
Dapat diatribusikan kepada pemilik entitas induk /Attributable to equity holders of the parent entity
Modal
saham/ Share capital
Tambahan modal
disetor- bersih/
Additional paid-in
capital - net
Cadangan nilai wajar
bersih - efek-efek untuk tujuan investasi dan
penempatan pada Negotiable Certificate
Deposits/ Net fair value reserve -
investment securities and placement in
Negotiable Certificate Deposits
Cadangan revaluasi
aset tetap/ Fixed assets
revaluation reserve
Setoran modal dibayar
dimuka/ Advanced
capital payment
Saldo laba/
Retained earnings
Jumlah/
Total
Kepentingan
nonpengendali/ Non-
controlling interests
Jumlah ekuitas/
Total equity
Telah ditentukan
penggunaanya/ Appropriated
Belum Ditentukan
penggunaannya/ Unappropriated1)
Saldo, 1 Januari 2022 6.082.085 17.252.901 69.797 1.853.060 9.096.000 363.624 2.557.111 37.274.578 10 37.274.588 Balance, 1 January 2022
Penambahan saham baru dari penerbitan saham Addition of new shares from melalui Hak Memesan Efek Terlebih Dahulu exercise of pre-emptive rights issue
pada tahun 2022 2.244.100 - - - (2.000.000) - - 244.100 - 244.100 in 2022
Laba komprehensif tahun berjalan: Comprehensive income for the year: Laba bersih - - - - - - 2.437.063 2.437.063 - 2.437.063 Net income
Penghasilan komprehensif lain, Other comprehensive income, setelah pajak penghasilan: net of income tax:
Cadangan nilai wajar bersih - Net fair value reserve - efek-efek untuk tujuan investasi investment securities
dan penempatan pada and placement in Negotiable Certificate Deposits: Negotiable Certificate Deposits:
Perubahan nilai wajar bersih - - 46.275 - - - - 46.275 - 46.275 Net change in fair value Perubahan nilai wajar yang Net fair value
ditransfer ke laporan laba rugi changes transferred pada saat penjualan - bersih - - (21.134) - - - - (21.134) - (21.134) to profit or loss on disposal
Pengukuran kembali atas liabilitas Remeasurements of defined imbalan pasti - bersih - - - - - - (10.916) (10.916) - (10.916) benefit liabilities – net
Dividen - - - - - - (117.155) (117.155) - (117.155) Dividends
Saldo, 31 Desember 2022 8.326.185 17.252.901 94.938 1.853.060 7.096.000 363.624 4.866.103 39.852.811 10 39.852.821 Balance, 31 December 2022
1) Termasuk dalam saldo laba adalah pengukuran kembali atas liabilitas imbalan pasti - bersih Included in retained earnings are remeasurements of defined benefit liabilities - net 1)
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/1 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
1. INFORMASI UMUM DAN LATAR BELAKANG TRANSAKSI YANG DIRENCANAKAN
1. GENERAL INFORMATION AND BACKGROUND OF PLANNED TRANSACTION
PT Bank Permata Tbk PT Bank Permata Tbk
PT Bank Permata Tbk (dahulu PT Bank Bali Tbk)
(“Bank” atau “Bank Permata”) didirikan di Indonesia
dengan akta pendirian No. 228 tanggal 17 Desember
1954 yang dibuat di hadapan Eliza Pondaag, S.H.,
selaku pengganti dari Raden Mas Soerojo, S.H., notaris di Jakarta. Akta tersebut telah memperoleh
pengesahan dari Menteri Kehakiman Republik
Indonesia (sekarang Menteri Hukum dan Hak Asasi
Manusia) berdasarkan Surat Keputusan No. J.A.5/2/2 tanggal 4 Januari 1955, didaftarkan di
Kantor Pengadilan Negeri Jakarta dengan No. 123
tanggal 15 Januari 1955 dan diumumkan dalam
Tambahan No. 292 pada Berita Negara Republik Indonesia No. 22 tanggal 18 Maret 1955.
PT Bank Permata Tbk (formerly PT Bank Bali Tbk)
(the “Bank” or “Bank Permata”) was established in
Indonesia based on the notarial deed No. 228 dated
17 December 1954 made before Eliza Pondaag,
S.H., a substitute notary of Raden Mas Soerojo, S.H., a notary in Jakarta. The deed of establishment
was approved by the Minister of Justice of the
Republic of Indonesia (now Minister of Law and
Human Rights) in its Decision Letter No. J.A.5/2/2 dated 4 January 1955, registered in Jakarta District
Court under No. 123 dated 15 January 1955 and
published in Supplement No. 292 to State Gazette of
the Republic of Indonesia No. 22 dated 18 March 1955.
Bank mulai beroperasi secara komersial pada
tanggal 5 Januari 1955. Sesuai dengan pasal 3 Anggaran Dasarnya, Bank beroperasi sebagai bank
umum. Bank memperoleh izin usaha sebagai bank
umum berdasarkan Surat Keputusan Menteri
Keuangan No. 19371/U.M.II tanggal 19 Februari
1957. Bank juga memperoleh izin untuk menjalankan aktivitas sebagai bank devisa dan bank yang
melakukan kegiatan berdasarkan prinsip syariah
masing-masing berdasarkan Surat Keputusan
Dewan Moneter Bank Indonesia No. Sekr/D.M./97 tanggal 8 Mei 1956 dan Surat
Direktorat Perbankan Syariah No. 6/1082/DPbS
tanggal 5 Oktober 2004.
The Bank started its commercial operations on
5 January 1955. According to article 3 of its Articles of Association, the Bank operates as a commercial
bank. The Bank obtained the license as a
commercial bank under the Decision Letter of the
Minister of Finance No. 19371/U.M.II dated
19 February 1957. The Bank also obtained a license to engage in foreign exchange activities and as a
bank which engaged in activities based on sharia
principles based on the Decision Letter of the
Monetary Council of Bank Indonesia No. Sekr/D.M./97 dated 8 May 1956 and the letter of
Directorate of Sharia Banking No. 6/1082/DPbS
dated 5 October 2004 respectively.
Anggaran Dasar Bank telah mengalami beberapa
kali perubahan. Perubahan Anggaran Dasar terakhir
adalah yang terkait dengan peningkatan modal dasar
sebagaimana dinyatakan dalam akta No. 78 tanggal 29 Maret 2017 yang dibuat di hadapan Aryanti
Artisari, S.H., M.Kn, notaris di Jakarta dan telah
disetujui oleh Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia dengan keputusannya
No. AHU-0007712.AH.01.02.Tahun 2017 tanggal 3 April 2017 serta peningkatan modal ditempatkan
dan disetor sebagaimana dinyatakan dalam akta No.
23 tanggal 9 Juni 2017 yang dibuat di hadapan
Aryanti Artisari, S.H., M.Kn, notaris di Jakarta dan telah diterima serta dicatat oleh Menteri Hukum dan
Hak Asasi Manusia Republik Indonesia dengan
Penerimaan Pemberitahuan Perubahan Anggaran
Dasar PT Bank Permata Tbk surat No. AHU-AH-01.03-0145208 tanggal 13 Juni 2017.
The Bank’s Articles of Association have been
amended several times. The latest amendment of
Bank’s Articles of Association was related to the
increase of the authorised capital as stated in the notarial deed No. 78 dated 29 March 2017 of Aryanti
Artisari, S.H., M.Kn, a notary in Jakarta and has
been approved by Minister of Law and Human
Rights of the Republic of Indonesia in its decision
No. AHU-0007712.AH.01.02.Year 2017 dated 3 April 2017 and the increase of issued and fully
paid capital as stated in the notarial deed
No. 23 dated 9 June 2017 of Aryanti Artisari, S.H.,
M.Kn, a notary in Jakarta and has been acknowledged and recorded by the Minister of Law
and Human Rights of the Republic of Indonesia with
Announcement Acceptance of Changes in PT Bank
Permata Tbk’s Article of Association letter No. AHU-AH-01.03-0145208 dated 13 June 2017.
Sesuai dengan pasal 3 ayat 2 Anggaran Dasar Bank,
Bank dapat melaksanakan kegiatan usaha utama dan kegiatan usaha penunjang yang termasuk
menyediakan pembiayaan dan/atau melakukan
kegiatan lain berdasarkan prinsip syariah sesuai
dengan ketentuan yang ditetapkan oleh Otoritas
Jasa Keuangan (“OJK”). Bank mulai melakukan kegiatan berdasarkan prinsip syariah sejak bulan
November 2004.
According to article 3 paragraph 2 of the Bank’s
Articles of Association, the Bank can engage in main and supporting business activities which include
providing finances and/or carrying out other activities
based on sharia principles in accordance with
prevailing regulations issued by Otoritas Jasa
Keuangan (“OJK”). The Bank had started activities based on sharia principles since November 2004.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/2 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
1. INFORMASI UMUM DAN LATAR BELAKANG
TRANSAKSI YANG DIRENCANAKAN (lanjutan)
1. GENERAL INFORMATION AND BACKGROUND
OF PLANNED TRANSACTION (continued)
PT Bank Permata Tbk (lanjutan) PT Bank Permata Tbk (continued)
Kantor pusat Bank berlokasi di World Trade Center II, Jalan Jendral Sudirman Kavling 29-31, Jakarta.
The Bank’s head office is located at World Trade Center II, Jalan Jendral Sudirman Kavling 29-31,
Jakarta.
Bangkok Bank Public Company Limited - Cabang Jakarta
Bangkok Bank Public Company Limited - Jakarta Branch
Bangkok Bank Public Company Limited - Cabang Jakarta (“BBI”) adalah kantor cabang Bangkok Bank
Public Company Limited (“Kantor Pusat”) yang didirikan di Bangkok, Thailand. Cabang melakukan kegiatan usahanya sejak bulan Juli 1968
berdasarkan Undang-undang Perbankan No. 14 tahun 1967 sebagaimana telah diperbaharui.
Bangkok Bank Public Company Limited - Jakarta Branch (“BBI”) is a branch office of Bangkok Bank
Public Company Limited (the “Head Office”), incorporated in Bangkok, Thailand. The Branch has been operating since July 1968 under the framework
of Banking Law No. 14 year 1967 as amended.
BBI memperoleh izin untuk melakukan kegiatan
usahanya dari Menteri Keuangan Republik Indonesia melalui Surat Keputusannya No. D.15.6.3.26 pada tanggal 21 Juni 1968. Sesuai surat keputusan Bank
Indonesia No. 4/12/KEP.DIR tanggal 22 Juni 1968, BBI memperoleh persetujuan ditetapkan status sebagai bank devisa.
BBI obtained its license as a general bank from the
Minister of Finance of the Republic of Indonesia through his decree No. D.15.6.3.26 dated 21 June 1968. Pursuant to Bank Indonesia’s Decree
No. 4/12/KEP.DIR dated 22 June 1968, BBI obtained approval for its status as a foreign exchange bank.
BBI merupakan bagian dari Bangkok Bank Public Company Limited dan tidak mempunyai status hukum atau keberadaan yang terpisah.
BBI is part of Bangkok Bank Public Company Limited and has no separate legal status or existence.
Sesuai dengan Klausa 3 Anggaran Dasar Kantor Pusat, ruang lingkup kegiatan Cabang adalah
menjalankan usaha bank komersial termasuk usaha lainnya yang terkait dengan bank.
According to Clause 3 of the Head Office’s Article of Association, the scope of its activity is to carry out
commercial banking business as well as other business related to banking.
BBI berdomisili di Jakarta dengan alamat di Jl. M.H.
Thamrin No. 3, Jakarta. BBI memiliki sub-cabang yang berlokasi di Surabaya dan Medan.
BBI is domiciled in Jakarta and is located at Jl. M.H.
Thamrin No. 3, Jakarta. BBI has sub-branches which are located in Surabaya and Medan.
Transaksi yang direncanakan Planned transaction
Pada tanggal 20 Mei 2020, Bangkok Bank Public
Company Limited telah menyelesaikan transaksi pembelian kepemilikan saham Bank Permata sebesar 89,12% dari pemegang saham pengendali sebelumnya, PT Astra International Tbk dan
Standard Chartered Bank, dengan kepemilikan masing-masing sebesar 44,56%. Sesuai dengan ketentuan OJK yang berlaku, Bank akan
melaksanakan integrasi usaha dengan Bangkok Bank Public Company Limited - Cabang Jakarta.
On 20 May 2020, Bangkok Bank Public Company
Limited has completed its purchase of 89.12% of Bank Permata's shares from the previous controlling shareholders, PT Astra International Tbk and Standard Chartered Bank, with ownership of
44.56%, respectively. In accordance with the applicable OJK regulations, the Bank will implement business integration with Bangkok Bank Public
Company Limited - Jakarta Branch.
Tujuan dan manfaat transaksi Purpose and benefits of the transaction
Bank dan BBI merupakan perusahaan yang bergerak di bidang usaha perbankan. Transaksi ini akan
dilakukan dengan pertimbangan sinergi bisnis antara Bank dan BBI.
The Bank and BBI are both engaged in banking activities. The transaction will be carried out
considering the business synergies between the Bank and BBI.
Dalam integrasi usaha, Bank Permata akan menerima integrasi (sebagai entitas penerima penggabungan). BBI akan berhenti beroperasi
secara hukum diikuti dengan pencabutan izin usaha dalam jangka waktu maksimum 2 tahun.
In business integration, Bank Permata will become a receiving bank in the integration (as the surviving entity). BBI will be legally dissolved and followed by
revocation of business license within a maximum period of 2 years.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/3 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
1. INFORMASI UMUM DAN LATAR BELAKANG
TRANSAKSI YANG DIRENCANAKAN (lanjutan)
1. GENERAL INFORMATION AND BACKGROUND
OF PLANNED TRANSACTION (continued)
Tujuan dan manfaat transaksi (lanjutan) Purpose and benefits of the transaction (continued)
Mekanisme penggabungan usaha akan dilakukan melalui pengalihan aset dan liabilitas tertentu BBI
secara hukum kepada Bank. Bank akan menyelesaikan integrasi usaha dengan BBI, dengan jumlah tercatat aset, liabilitas dan penghasilan komprehensif lain dari cadangan nilai wajar bersih
yang akan dialihkan akan sama.
The business combination mechanism will be conducted through the transfer of certain assets and
liabilities of BBI legally to the Bank. The Bank will complete the business integration with BBI, where the carrying amount of total assets, liabilities and other comprehensive income from net fair value
reserve which will be transferred is equal.
Setelah penyelesaian integrasi, sampai sejauh
bahwa bisnis tertentu, aset dan liabilitas BBI tidak dapat dialihkan kepada Bank karena pembatasan berdasarkan hukum dan praktik yang berlaku, maka akan ada bisnis cabang BBI yang tersisa selama
masa transisi sampai seluruh hak dan kewajiban dari Bank dapat diselesaikan menurut hukum yang berlaku.
Following the completion of the integration, to the
extend that the certain business, assets and liabilities of BBI cannot be transferred to the Bank due to limitation under applicable law or practice, there will be residual branch business of BBI for a
transitional period of time until all rights and obligations of the Bank can be wound down in accordance with the applicable law.
Oleh sebab itu, dengan mengasumsikan bahwa rencana integrasi usaha telah terealisasi, transaksi
integrasi usaha antara Bank dan BBI tergolong sebagai transaksi kombinasi bisnis entitas sepengendali.
Therefore, assuming the business integration plan has been realized, business integration transaction
between the Bank and BBI is classified as business combination under common control transaction.
Transaksi integrasi tersebut masih memerlukan persetujuan dari Otoritas Jasa Keuangan (“OJK”).
The integration transaction is subject to approval from the Financial Services Authority (“OJK”).
2. BASIS PENYUSUNAN INFORMASI KEUANGAN PROSPEKTIF GABUNGAN
2. BASIS OF PREPARATION OF COMBINED PROSPECTIVE FINANCIAL INFORMATION
Informasi keuangan prospektif gabungan disusun untuk memenuhi ketentuan dalam Peraturan Otoritas Jasa Keuangan No. 41/POJK.03/2019 tentang
Penggabungan, Peleburan, Pengambilalihan, Integrasi, dan Konversi Bank Umum.
The combined prospective financial information has been prepared to comply with the requirement in the Financial Services Authority Regulation
No. 41/POJK.03/2019 concerning Merger, Consolidation, Acquisition, Integration, and Conversion of Commercial Banks.
Informasi keuangan prospektif gabungan disusun dan diotorisasi oleh Direksi Bank pada tanggal
29 September 2020 untuk mengilustrasikan dampak terhadap laporan posisi keuangan prospektif gabungan dan laporan laba rugi dan penghasilan komprehensif lain prospektif gabungan Bank dan BBI
(selanjutnya disebut “Grup Permata”) apabila rencana integrasi usaha dengan BBI seakan-akan telah terjadi pada tanggal 1 Januari 2019.
The combined prospective financial information was compiled and authorised by the Bank’s Board of
Directors on 29 September 2020 to illustrate the impact on the combined prospective statements of financial position and combined prospective statements of profit or loss and other comprehensive
income of the Bank and BBI (hereinafter referred to as the "Permata Group") as if the planned business integration with BBI has occurred as of 1 January
2019.
Informasi mengenai proyeksi posisi keuangan dan laporan laba rugi dan penghasilan komprehensif lain
Bank pada tanggal dan untuk tahun yang berakhir 31 Desember 2020, 31 Desember 2021, dan 31 Desember 2022, telah diekstraksi oleh Direksi
Bank berdasarkan laporan keuangan proyeksi Bank Permata yang disampaikan oleh Direksi Bank kepada OJK dengan nomor surat 126/BP/DIR/VI/20
perihal Penyampaian Revisi Rencana Bisnis Bank PT Bank Permata Tbk 2020-2022 tanggal 29 Juni 2020.
Information on Bank's projected financial position and statements of profit or loss and other
comprehensive income as of and for the year ending 31 December 2020, 31 December 2021, and 31 December 2022, have been extracted by the
Bank’s Board of Director based on the Bank's projected financial statements submitted by Bank’s Board of Director to OJK with the letter No.
126/BP/DIR/VI/20 regarding Submission of Revised Bank Business Plan of PT Bank Permata Tbk 2020-2022 dated 29 June 2020.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/4 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
2. BASIS PENYUSUNAN INFORMASI KEUANGAN PROSPEKTIF GABUNGAN (lanjutan)
2. BASIS OF PREPARATION OF COMBINED PROSPECTIVE FINANCIAL INFORMATION
(continued)
Informasi mengenai proyeksi posisi keuangan dan laporan laba rugi dan penghasilan komprehensif lain
BBI pada tanggal dan untuk tahun yang berakhir
31 Desember 2020, 31 Desember 2021, dan
31 Desember 2022, telah diekstraksi oleh Direksi
Bank berdasarkan laporan keuangan proyeksi BBI yang disampaikan oleh manajemen BBI kepada OJK
dengan nomor surat ACT/SS/078/2020 perihal Revisi
Rencana Bisnis Bank 2020-2022 tanggal 25 Juni
2020.
Information on BBI's projected financial position and statements of profit or loss and other comprehensive
income as of and for the year ending 31 December
2020, 31 December 2021, and 31 December 2022
have been extracted by the Bank’s Board of Director
based on BBI's projected financial statements submitted by BBI’s management to OJK with letter
No. ACT/SS/078/2020 regarding Revised Bank
Business Plan 2020-2022 dated 25 June 2020.
Grup Permata menerapkan kombinasi bisnis entitas
sepengendali sesuai dengan PSAK 38 untuk
mencatat transaksi integrasi usaha. Transaksi kombinasi bisnis antar entitas sepengendali berupa
pengalihan bisnis termasuk aset maupun liabilitas
terkait dalam rangka reorganisasi entitas-entitas
yang berada dalam suatu kelompok yang sama bukan merupakan perubahan kepemilikan dalam arti
substansi ekonomi. Oleh karena itu, transaksi
tersebut diakui pada jumlah tercatat berdasarkan
metode penyatuan kepemilikan. Selisih antara
imbalan yang diterima/dialihkan dan jumlah tercatat dari transaksi bisnis yang dialihkan dicatat di ekuitas
dan disajikan sebagai bagian dari pos tambahan
modal disetor.
Permata Group applies the business combination of
entities under common control in accordance with
SFAS 38 to record the business integration transaction. Business combination transaction
between entities under common control in form of
business transfer including the related assets and
liabilities in the event of reorganization of entities under the same group does not constitute change in
ownership by economic substance definition.
Therefore, such transaction is recognized at book
value under pooling of interest method. Difference
between proceed received/paid and carrying value of business transaction being transferred is recorded
in equity and presented as part of additional paid-up
capital account.
Kebijakan akuntansi yang dipakai dalam penyusunan
informasi keuangan prospektif telah diterapkan
secara konsisten oleh Bank dan BBI.
The accounting policies adopted in preparing the
prospective financial information have been
consistenly applied by the Bank and BBI.
Informasi keuangan prospektif gabungan hanya
menyajikan laporan posisi keuangan prospektif
gabungan dan laporan laba rugi dan penghasilan
komprehensif lain prospektif gabungan disusun berdasarkan kriteria yang berlaku dan penyesuaian
yang dianggap perlu berdasarkan pada asumsi
signifikan yang dijelaskan pada Catatan 3 serta
sesuai dengan kebijakan akuntansi Grup Permata
seperti yang dijelaskan di atas.
The combined prospective financial information only
presents the combined prospective statements of
financial position and Combined prospective
statements of profit or loss and other comprehensive income based on the applicable criteria including
prospective adjustments which are considered
necessary based on significant assumptions
explained in Note 3 and in accordance with the
accounting policies of Permata Group as mentioned above.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
3. SIGNIFICANT ASSUMPTIONS USED AS THE BASIS FOR THE PROSPECTIVE ADJUSTMENTS
Informasi keuangan prospektif gabungan disajikan
hanya untuk memberikan informasi dan didasarkan kepada asumsi tertentu, estimasi dan informasi yang
tersedia saat ini, hanya untuk tujuan ilustrasi.
Dengan demikian, informasi keuangan prospektif
gabungan tidak menunjukkan posisi atau kinerja keuangan yang akan tercapai jika transaksi terjadi
pada tanggal tersebut dan tidak menunjukkan
indikasi posisi keuangan atau kinerja keuangan di
masa depan.
Combined prospective financial information is
presented only to provide information and is based on certain assumptions, estimates and information
currently available, is provided for illustrative
purposes only. Accordingly, the combined
prospective financial information does not indicate the financial position or performance to be reached if
the transaction takes place on that date and does
not indicate an indication of future financial position
or performance.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/5 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF (lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS (continued)
Berikut adalah kriteria dan asumsi penting yang diterapkan dalam penyusunan informasi keuangan prospektif gabungan:
The following are significant criteria and assumptions that are applied in the preparation of the combined prospective financial information:
a. Informasi mengenai transaksi atau peristiwa integrasi usaha
a. Information about business integration transaction or event
Dalam integrasi usaha ini, Bank Permata akan menerima integrasi (sebagai entitas penerima
penggabungan). BBI akan berhenti beroperasi secara hukum diikuti dengan pencabutan izin usaha dalam jangka waktu maksimum 2 tahun.
In this business integration, Bank Permata will become a receiving bank in the integration (as
the surviving entity). BBI will be legally dissolved and followed by revocation of business license within a maximum period of 2 years.
Bank juga mengasumsikan bahwa tidak terdapat biaya-biaya integrasi yang akan ditanggung oleh Bank pada saat proses
integrasi usaha.
The Bank also assumes that there is no integration costs that will be borne by the Bank during the business integration process.
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada Bank, dampak sinergi dan penyesuaian lainnya dijelaskan pada Catatan 3j.
Details of transaction related adjustments to take
into account the transferred of assets and liabilities from BBI to the Bank, synergy impact and other adjustments are explained in Note 3j.
b. Saldo dan transaksi pihak berelasi b. Intercompany balances and transactions
Laporan posisi keuangan prospektif gabungan ini sudah memperhitungkan eliminasi dari transaksi antara Bank dan BBI. Bank tidak
mempunyai saldo atau transaksi dengan BBI.
The combined prospective financial statements has considered the elimination of transactions between the Bank and BBI. The Bank has no
balance or transactions with BBI.
Untuk tujuan praktis dalam informasi keuangan
prospektif gabungan, Bank dan BBI tidak memisahkan informasi untuk pihak berelasi dan pihak ketiga.
For practical purposes in the combined
prospective financial information, the Bank and BBI do not separate information for related parties and third parties.
c. Kewajiban kepada para kreditur, dana pihak ketiga dan pemasok
c. Obligations to creditors, third party funds and vendors
Sejak tanggal integrasi usaha, seluruh hubungan hukum antara debitur dengan kualitas baik, kreditur, pemasok dan relasi bisnis lainnya
dengan BBI akan beralih dan diteruskan oleh Bank.
Since the business integration date, all legal relationships between debtors with good quality, creditors, vendors and other business
relationships with BBI will be transferred and are assumed by the Bank.
d. Utang pajak dan pajak tangguhan d. Tax payable and deferred tax
Berdasarkan peraturan perpajakan yang berlaku
di Indonesia, perusahaan yang melakukan integrasi usaha dapat memperhitungkan pajak sebagai akibat dari integrasi usaha dengan
menggunakan nilai wajar atau nilai buku.
Based on Indonesian tax regulations, companies
which integrate can calculate the tax due as a result of the integration by using fair value or book value.
Untuk kepentingan perhitungan pajak sebagai
akibat dari integrasi usaha, Bank berencana untuk memperlakukan transaksi integrasi usaha dengan menggunakan nilai buku. Oleh karena itu, Bank berpendapat bahwa tidak terdapat
utang pajak yang signifikan atas transaksi integrasi usaha ini dan oleh karena itu tidak membukukan penyesuaian pada informasi
keuangan prospektif gabungan.
For the purposes of tax calculation as a result of
the business integration, the Bank plans to treat the integration transaction by using book value. Therefore, the Bank is of the view that there is no significant tax payable arising from the
integration transaction and as such, did not adjust the combined prospective financial information.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/6 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN SEBAGAI DASAR PENYESUAIAN PROSPEKTIF (lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE BASIS FOR THE PROSPECTIVE ADJUSTMENTS (continued)
d. Utang pajak dan pajak tangguhan (lanjutan) d. Tax payable and deferred tax (continued)
Selain itu, seluruh dampak transaksi terhadap akun pajak tangguhan, diabaikan dalam informasi keuangan prospektif gabungan ini.
In addition, all impacts of transaction to deferred tax is ignored in this combined prospective financial information.
e. Kewajiban kepada karyawan e. Obligation to employees
Pada saat penyusunan informasi keuangan prospektif gabungan ini, BBI diasumsikan telah melakukan pembayaran sebelum tanggal integrasi atas pesangon, tunjangan, imbalan masa kerja dan semua pembayaran lainnya yang jatuh tempo dan wajib dibayarkan kepada karyawan, anggota Direksi, anggota Dewan Komisaris, dan anggota Komite sebagai dampak dari integrasi usaha ini.
At the time of preparation of this combined prospective financial information, BBI is assumed to have made payments before the date of integration of severance payment, allowances, long service pay and all other payments due and must be paid to employees, members of the Board of Directors, members of the Board of Commissioners, and members of the Committee as a result of this business integration.
f. Liabilitas kontinjensi f. Contingent liabilities
Pada saat penyusunan informasi keuangan prospektif gabungan ini, Bank berpendapat bahwa tidak terdapat liabilitas kontinjensi.
At the time of preparation of this combined prospective financial information, the Bank believes that there is no contingent liabilities.
g. Pengalihan aset dan liabilitas g. Transferred of assets and liabilties Rincian aset dan liabilitas yang tidak ditransfer dari BBI kepada Bank pada saat integrasi usaha adalah sebagai berikut:
Details of assets and liabilities that are not transferred from BBI to the Bank during the business integration are as follows:
• Kas. • Giro pada Bank Indonesia. • Penempatan pada Bank Indonesia dan
bank-bank lain (sebagian). • Kredit yang merupakan non-performing
loan (“NPL”) dan kredit yang diperkirakan tidak dapat ditransfer kepada Bank.
• Efek-efek untuk tujuan investasi yang diklasifikasikan sebagai Capital Equivalency Maintained Assets (“CEMA”) berupa surat berharga yang diterbitkan Pemerintah.
• Aset tetap. • Aset takberwujud berupa software. • Aset pajak tangguhan terkait aset dan
liabilitas yang tidak ditransfer dari BBI kepada Bank dan yang berasal dari penyesuaian tarif pajak penghasilan badan dari sebelumnya sebesar 40% menjadi 22% untuk tahun fiskal 2020 dan 2021, serta menjadi 20% sejak tahun fiskal 2022.
• Liabilitas lain-lain berupa liabilitas antar-kantor.
• Liabilitas imbalan pascakerja.
• Dana usaha yang dinyatakan senilai Dolar AS 200.000.000 (nilai penuh), ekuivalen Rp 2.880.000.
• Ekuitas. • Pendapatan bunga yang berasal dari surat
berharga yang diklasifikasikan sebagai CEMA, penempatan pada Bank Indonesia dan bank lain dan kredit yang diperkirakan tidak dapat ditransfer kepada Bank.
• Kerugian penurunan nilai aset keuangan yang berasal dari kredit yang diperkirakan tidak dapat ditransfer kepada Bank.
• Cash. • Current account with Bank Indonesia. • Placements with Bank Indonesia and
other banks (partially). • Loans which are non-performing loan
(“NPL”) and loans which are not expected to be transferred to the Bank.
• Investment securities which are classified as Capital Equivalency Maintained Assets (“CEMA”) in the form of securities issued by the Government.
• Fixed assets. • Intangible assets in the form of software. • Deferred tax assets related to asset and
liabilities that are not transferred from BBI to the Bank and from the corporate income tax rate adjustment from 40% to 22% for fiscal years 2020 and 2021, and to 20% since fiscal year 2022.
• Other liabilities in the form of inter-offices account.
• Obligation for post-employment benefits.
• Declared working capital funds amounting to US Dollar 200,000,000 (full amount), equivalent to Rp 2,880,000.
• Equity. • Interest income from securities classified
as CEMA and placements with Bank Indonesia and other banks and loans which are not expected to be transferred to the Bank.
• Impairment losses on financial assets from loans which are not expected to be transferred to the Bank.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/7 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
(lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS
(continued)
h. Dana usaha yang dinyatakan h. Declared working capital fund
Setelah integrasi, Kantor Pusat akan secara
hukum mengubah dana usaha yang dinyatakan menjadi setoran modal dibayar dimuka dan
Additional Tier-1 Capital pada akhir tahun 2020.
Selanjutnya, setoran modal dibayar dimuka akan dikonversi menjadi modal saham melalui
penerbitan saham melalui Hak Memesan Efek
Terlebih Dahulu (“HMETD”). Additional Tier-1 Capital merupakan instrumen keuangan yang
dikenakan bunga yang diterbitkan oleh Bank untuk diperhitungkan sebagai komponen modal
dalam pemenuhan rasio Kewajiban Penyediaan
Modal Minimum (“KPMM”). Instrumen ini dapat berupa utang subordinasi atau obligasi konversi
sesuai persetujuan OJK.
Following the integration, the Head Office will
legally convert the declared working capital fund into the Bank's advance capital payment and
Additional Tier-1 Capital at the end of 2020.
Subsequently, the advance capital payment will be converted into share capital through issuance
of pre-emptive rights (“HMETD”). Additional Tier-
1 Capital represents interest bearing financial instrument issued by the Bank to be considered
as capital component to fulfill Capital Adequacy Ratio (“CAR”). This instrument can be in the
form of subordinated debts or convertible bonds
in accordance with OJK’s approval.
Pada tahun 2021 dan 2022, akan terjadi
pelaksanaan Penawaran Umum Terbatas dalam
rangka penerbitan saham melalui HMETD kepada pemegang saham. Saham yang
ditawarkan adalah masing-masing sebesar Rp 2.244.100. Atas transaksi ini, akan terjadi
reklasifikasi setoran modal dibayar dimuka
masing-masing sebesar Rp 2.000.000.
In 2021 and 2022, there will be execution of
Limited Public Offering in relation with the
issuance of pre-emptive rights to the shareholders. Total shares offered are
Rp 2,244,100, respectively. For this transaction, there will be reclassification of advance capital
payment amounted to Rp 2,000,000.
Tindakan aksi korporasi Bank yang akan
mempengaruhi jumlah saham yang beredar, dihitung dengan membagi saham yang
ditawarkan dengan harga saham Rp 1.347 (nilai penuh) per saham dalam informasi keuangan
prospektif gabungan ini.
The Bank’s corporate action which will affect to
the total outstanding shares, is calculated by dividing total shares offered to share price of
Rp 1,347 (full amount) per share in this combined prospective financial information.
i. Asumsi yang digunakan dalam dampak
sinergi
i. Assumption used in synergy impact
Setelah integrasi antara Bank Permata dan BBI,
Direksi Bank berpendapat bahwa akan terjadi
sinergi yang disebabkan oleh beberapa hal, antara lain kapasitas permodalan yang lebih
kuat dan basis nasabah yang lebih kuat. Berikut ini adalah asumsi signifikan atas dampak sinergi
antara Bank dan BBI yang telah disetujui oleh
Dewan Komisaris Bank dengan nomor surat 027/BOC-CIRC/VII/2020 perihal Bank Permata
– Cabang Bangkok Bank Indonesia Proyeksi
Keuangan 5 Tahun tanggal 30 Juli 2020.
Following the integration of Bank Permata and
BBI, the Bank’s Board of Director believes that
there will be synergy impact contributed by various factors, such as stronger capital base
and stronger customer base. The following are significant assumptions regarding the impact of
the synergy between the Bank and BBI which
has been approved by Bank’s Board of Commissioners with the letter No. 027/BOC-
CIRC/VII/2020 regarding Bank Permata –
Bangkok Bank Indonesia Branch 5 Years Financial Projection dated 30 July 2020.
• Pertumbuhan kredit yang diberikan
setelah sinergi antara Bank dan BBI di
tahun 2021 dan 2022 masing-masing sebesar 11,59% dan 14,05%.
• Loans growth after synergy between the
Bank and BBI for the year 2021 and 2022
are 11.59% and 14.05%, respectively.
• Kerugian penurunan nilai aset keuangan
setelah sinergi antara Bank dan BBI di tahun 2021 dan 2022 adalah sebesar
1,30% dari total penambahan kredit.
• Impairment losses on financial assets
after synergy between the Bank and BBI for the year 2021 and 2022 are 1.30% from
total additional loans.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/8 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
(lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS
(continued)
i. Asumsi yang digunakan dalam dampak
sinergi (lanjutan)
i. Assumption used in synergy impact
(continued)
• Pertumbuhan simpanan dari nasabah
setelah sinergi antara Bank dan BBI
dengan mempertimbangkan rasio Loan to
Deposit yang dijaga pada 89,85% dan
89,89% di tahun 2021 dan 2022.
• Deposits from customers growth after
synergy between the Bank and BBI is
considering Loan to Deposit ratio which are
maintained at 89.85% and 89.89% for the
year 2021 and 2022.
• Kelebihan likuiditas setelah sinergi antara
Bank dan BBI di tahun 2021 dan 2022
ditempatkan pada:
• Excess liquidity after synergy between the
Bank and BBI for the year 2021 and 2022
will be placed on:
- Penempatan pada Bank Indonesia
dan bank-bank lain dihitung
berdasarkan dampak sinergi
penempatan pada Bank Indonesia dan
bank-bank lain dibagi dengan dampak
sinergi atas jumlah simpanan dari
nasabah di tahun 2021 dan 2022
dengan rasio masing-masing sebesar
14,14% and 13,85%.
- Placements with Bank Indonesia
and other banks is calculated based
on synergy impact of placement with
Bank Indonesia and other banks
divided by the synergy impact of total
deposits from customers for the year
2021 and 2022 with ratio of 14.14%
and 13.85%, respectively.
- Efek-efek untuk tujuan investasi. - Investment securities.
• Dividen akan dibagikan pada tahun 2022
sebesar 10,00% atas laba gabungan tahun
2021.
• Dividends will be paid in 2022 amounted to
10.00% of the combined net income in
2021.
• Pendapatan bunga setelah sinergi antara
Bank dan BBI di tahun 2021 dan 2022
adalah sebagai berikut:
• Interest income after synergy between the
Bank and BBI for the year 2021 and 2022
are as follows:
- Pendapatan bunga dari kredit yang
diberikan di tahun 2021 dan 2022
masing-masing sebesar 8,06% and
8,22%.
- Interest income from loans for the year
2021 and 2022 are 8.06% and 8.22%,
respectively.
- Pendapatan bunga dari penempatan
pada Bank Indonesia dan bank-bank
lain di tahun 2021 dan 2022 sebesar
4,15%.
- Interest income from placements with
Bank Indonesia and other banks for
the year 2021 and 2022 are 4.15%.
- Pendapatan bunga dari efek-efek
untuk tujuan investasi di tahun 2021
dan 2022 sebesar 6,00%.
- Interest income from investment
securities for the year 2021 and 2022
are 6.00%.
• Beban bunga setelah sinergi antara Bank
dan BBI di tahun 2021 dan 2022 masing-
masing sebesar 4,04% dan 4,08% dari total
penambahan simpanan dari nasabah.
• Interest expenses after synergy between
the Bank and BBI for the year 2021 and
2022 are 4.04% and 4.08%, respectively,
from total additional deposits from
customers.
• Pendapatan provisi dan komisi setelah
sinergi antara Bank dan BBI di tahun 2021
dan 2022 dihitung berdasarkan 0,50% dari
rata-rata penambahan kredit sinergi dan
0,20% dari rata-rata penambahan
simpanan dari nasabah sinergi.
• Net fees and commission income after
synergy between the Bank and BBI for the
year 2021 and 2022 is calculated based on
0.50% of average additional loans from
synergy and 0.20% of average additional
deposits from customers from synergy.
• Beban umum dan administrasi setelah
sinergi antara Bank dan BBI di tahun 2021
dan 2022 dihitung dengan rasio Cost-to-
Income masing-masing sebesar 20,00%
dan 18,00%.
• General and administrative expenses
after synergy between the Bank and BBI for
the year 2021 and 2022 is calculated with
Cost-to-Income ratio of 20.00% and
18.00%, respectively.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/9 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
(lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS
(continued)
j. Rincian penyesuaian j. Details of adjustments
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada
Bank (lihat Catatan 3g), dampak sinergi (lihat
Catatan 3i) dan penyesuaian lainnya (lihat
Catatan 3h) adalah sebagai berikut:
Details of transaction related adjustments to
consider the transferred of assets and liabilities
from BBI to the Bank (see Note 3g), synergy
impact (see Note 3i) and other adjustments (see
Note 3h) are as follows:
31/12/2020
Tinggal di BBI/
Stay in BBI
Sinergi/ Synergy
Lainnya/ Others
Penyesuaian
transaksi/ Transaction
related adjustments
ASET ASSETS Kas (10.000) - - (10.000) Cash Giro pada Bank Indonesia (927.000) - - (927.000) Current accounts with Bank Indonesia
Penempatan pada Placements with Bank Indonesia dan Bank Indonesia and bank-bank lain (2.590.108) - - (2.590.108) other banks Kredit yang diberikan (2.164.321) - - (2.164.321) Loans Dikurangi: Cadangan kerugian Less: Allowance for impairment penurunan nilai 2.164.321 - - 2.164.321 losses Efek-efek untuk tujuan investasi – Investment securities - net setelah dikurangi cadangan of allowance for impairment kerugian penurunan nilai (1.200.120) - - (1.200.120) losses Aset tetap - setelah dikurangi Fixed assets - net of akumulasi penyusutan (101.000) - - (101.000) accumulated depreciation Aset takberwujud - setelah Intangible assets - net
dikurangi akumulasi of accumulated impairment penurunan nilai (1.000) - - (1.000) losses Aset pajak tangguhan - bersih (349.650) - - (349.650) Deferred tax assets - net Jumlah Aset (5.178.878) - - (5.178.878) Total Assets LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY LIABILITAS LIABILITIES
Liabilitas lain-lain (1.332.000) - - (1.332.000) Other liabilities Obligation for Liabilitas imbalan pascakerja (6.000) - - (6.000) post-employment benefits Dana Usaha yang Dinyatakan (2.880.000) - (21.096.000) (23.976.000) Declared working capital fund Additional Tier-1 Capital - - 10.000.000 10.000.000 Additional Tier-1 Capital Jumlah Liabilitas (4.218.000) - (11.096.000) (15.314.000) Total Liabilities EKUITAS EQUITY Modal saham (3.690.957) - - (3.690.957) Share capital Setoran modal dibayar dimuka - - 11.096.000 11.096.000 Advance capital payment
Saldo laba/(defisit) 2.730.079 - - 2.730.079 Retained earnings/(deficit) Jumlah Ekuitas (960.878) - 11.096.000 10.135.122 Total Equity Jumlah Liabilitas dan Ekuitas (5.178.878) - - (5.178.878) Total Liabilities and Equity
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/10 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
(lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS
(continued)
j. Rincian penyesuaian (lanjutan) j. Details of adjustments (continued)
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada
Bank (lihat Catatan 3g), dampak sinergi (lihat
Catatan 3i) dan penyesuaian lainnya (lihat
Catatan 3h) adalah sebagai berikut: (lanjutan)
Details of transaction related adjustments to
consider the transferred of assets and liabilities
from BBI to the Bank (see Note 3g), synergy
impact (see Note 3i) and other adjustments (see
Note 3h) are as follows: (continued)
31/12/2020
Tinggal di BBI/
Stay in BBI
Sinergi/ Synergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES Pendapatan bunga (188.071) - - (188.071) Interest income Pendapatan bunga bersih (188.071) - - (188.071) Net interest income Jumlah pendapatan operasional (188.071) - - (188.071) Total operating income
Kerugian penurunan nilai Impairment losses on aset keuangan 104.000 - - 104.000 financial assets Jumlah beban operasional 104.000 - - 104.000 Total operating expenses Laba sebelum pajak penghasilan (84.071) - - (84.071) Income before income tax Beban pajak penghasilan 153.696 - - 153.696 Income tax expense Laba bersih 69.625 - - 69.625 Net Income
31/12/2021
Tinggal di BBI/
Stay in BBI
Sinergi/ Synergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
ASET ASSETS Kas (10.000) - - (10.000) Cash Giro pada Bank Indonesia (1.001.000) 73.076 - (927.924) Current accounts with Bank Indonesia Penempatan pada Placements with Bank Indonesia dan Bank Indonesia and bank-bank lain (1.801.129) 1.964.593 (187.164) (23.700) other banks Kredit yang diberikan (2.164.321) 4.668.526 - 2.504.205 Loans Dikurangi: Cadangan kerugian Less: Allowance for impairment penurunan nilai 2.164.321 (60.691) - 2.103.630 losses
Efek-efek untuk tujuan investasi – Investment securities - net setelah dikurangi cadangan of allowance for impairment kerugian penurunan nilai (1.307.694) 7.321.541 - 6.013.847 losses Aset tetap - setelah dikurangi Fixed assets - net of akumulasi penyusutan (110.000) - - (110.000) accumulated depreciation Aset takberwujud - setelah Intangible assets - net dikurangi akumulasi of accumulated impairment penurunan nilai (1.000) - - (1.000) losses Aset pajak tangguhan - bersih (336.150) - - (336.150) Deferred tax assets - net Jumlah Aset (4.566.973) 13.967.045 (187.164) 9.212.908 Total Assets
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/11 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF (lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS (continued)
j. Rincian penyesuaian (lanjutan) j. Details of adjustments (continued)
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada Bank (lihat Catatan 3g), dampak sinergi (lihat Catatan 3i) dan penyesuaian lainnya (lihat
Catatan 3h) adalah sebagai berikut: (lanjutan)
Details of transaction related adjustments to
consider the transferred of assets and liabilities from BBI to the Bank (see Note 3g), synergy impact (see Note 3i) and other adjustments (see
Note 3h) are as follows: (continued)
31/12/2021
Tinggal di BBI/
Stay in BBI
Sinergi/ Synergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES
Simpanan dari nasabah Deposits from customers Giro - 6.338.691 - 6.338.691 Demand deposits Tabungan - 1.000.000 - 1.000.000 Savings Deposito berjangka - 6.555.278 - 6.555.278 Time deposits Liabilitas lain-lain (679.900) - - (679.900) Other liabilities Obligation for Liabilitas imbalan pascakerja (7.000) - - (7.000) post-employment benefits Dana Usaha yang Dinyatakan (2.880.000) - (21.096.000) (23.976.000) Declared working capital fund Additional Tier-1 Capital - - 10.000.000 10.000.000 Additional Tier-1 Capital Jumlah Liabilitas (3.566.900) 13.893.969 (11.096.000) (768.931) Total Liabilities
EKUITAS EQUITY
Modal saham (3.690.957) - 2.244.100 (1.446.857) Share capital Setoran modal dibayar dimuka - - 9.096.000 9.096.000 Advance capital payment Saldo laba/(defisit) 2.690.884 73.076 (431.264) 2.332.696 Retained earnings/(deficit) Jumlah Ekuitas (1.000.073) 73.076 10.908.836 9.981.839 Total Equity Jumlah Liabilitas dan Ekuitas (4.566.973) 13.967.045 (187.164) (9.212.908) Total Liabilities and Equity
31/12/2021
Tinggal di BBI/
Stay in BBI
Sinergi/ Synergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES
Pendapatan bunga (264.854) 448.545 - 183.691 Interest income Beban bunga - (280.577) (555.556) (836.133) Interest expense Pendapatan bunga bersih (264.854) 167.968 (555.556) (652.442) Net interest income Pendapatan provisi dan komisi - bersih - 25.565 - 25.565 Net fees and commission income Jumlah pendapatan operasional (264.854) 193.533 (555.556) (626.877) Total operating income Kerugian penurunan nilai Impairment losses on aset keuangan - (60.691) - (60.691) financial assets Beban operasional lainnya Other operating expenses Umum dan administrasi - (38.706) - (38.706) General and administrative Jumlah beban operasional lainnya - (38.706) - (38.706) Total other operating expenses Jumlah beban operasional - (99.397) - (99.397) Total operating expenses Laba sebelum pajak penghasilan (264.854) 94.136 (555.556) (726.274) Income before income tax Beban pajak penghasilan 227.659 (21.060) 124.292 330.891 Income tax expense Laba bersih (37.195) 73.076 (431.264) (395.383) Net Income
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/12 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF
(lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS
(continued)
j. Rincian penyesuaian (lanjutan) j. Details of adjustments (continued)
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada
Bank (lihat Catatan 3g), dampak sinergi (lihat
Catatan 3i) dan penyesuaian lainnya (lihat
Catatan 3h) adalah sebagai berikut: (lanjutan)
Details of transaction related adjustments to
consider the transferred of assets and liabilities
from BBI to the Bank (see Note 3g), synergy
impact (see Note 3i) and other adjustments (see
Note 3h) are as follows: (continued)
31/12/2022
Tinggal di BBI/
Stay in BBI
Sinergi/ Sinergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
ASET ASSETS
Kas (10.000) - - (10.000) Cash Giro pada Bank Indonesia (1.081.000) 343.784 - (737.216) Current accounts with Bank Indonesia Penempatan pada Placements with Bank Indonesia dan Bank Indonesia and bank-bank lain (1.630.854) 3.746.261 (342.697) 1.772.710 other banks Kredit yang diberikan (2.164.321) 12.264.654 - 10.100.333 Loans Dikurangi: Cadangan kerugian Less: Allowance for impairment penurunan nilai 2.164.321 (220.131) - 1.944.190 losses Efek-efek untuk tujuan investasi – Investment securities - net setelah dikurangi cadangan of allowance for impairment kerugian penurunan nilai (1.464.572) 11.263.923 - 9.799.351 losses
Aset tetap - setelah dikurangi Fixed assets - net of akumulasi penyusutan (123.000) - - (123.000) accumulated depreciation Aset takberwujud - setelah Intangible assets - net dikurangi akumulasi of accumulated impairment penurunan nilai (1.000) - - (1.000) losses Aset pajak tangguhan - bersih (368.500) - - (368.500) Deferred tax assets - net Jumlah Aset (4.678.926) 27.398.491 (342.697) 22.376.868 Total Assets LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY
LIABILITAS LIABILITIES Simpanan dari nasabah Deposits from customers Giro - 10.973.430 - 10.973.430 Demand deposits Tabungan - 3.000.000 - 3.000.000 Savings Deposito berjangka - 13.081.277 - 13.081.277 Time deposits Liabilitas lain-lain (706.500) - - (706.500) Other liabilities Obligation for Liabilitas imbalan pascakerja (8.000) - - (8.000) post-employment benefits Dana Usaha yang Dinyatakan (2.880.000) - (21.096.000) (23.976.000) Declared working capital fund Additional Tier-1 Capital - - 10.000.000 10.000.000 Additional Tier-1 Capital
Jumlah Liabilitas (3.594.500) 27.054.707 (11.096.000) 12.364.207 Total Liabilities EKUITAS EQUITY Modal saham (3.690.957) - 4.488.200 797.243 Share capital Setoran modal dibayar dimuka - - 7.096.000 7.096.000 Advance capital payment Saldo laba/(defisit) 2.606.531 343.784 (830.897) 2.119.418 Retained earnings/(deficit) Jumlah Ekuitas (1.084.426) 343.784 10.753.303 10.012.661 Total Equity
Jumlah Liabilitas dan Ekuitas (4.678.926) 27.398.491 (342.697) 22.376.868 Total Liabilities and Equity
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/13 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
3. ASUMSI SIGNIFIKAN YANG DIGUNAKAN
SEBAGAI DASAR PENYESUAIAN PROSPEKTIF (lanjutan)
3. SIGNIFICANT ASSUMPTIONS USED AS THE
BASIS FOR THE PROSPECTIVE ADJUSTMENTS (continued)
j. Rincian penyesuaian (lanjutan) j. Details of adjustments (continued)
Rincian penyesuaian transaksi yang dilakukan
atas pengalihan aset dan liabilitas BBI kepada Bank (lihat Catatan 3g), dampak sinergi (lihat Catatan 3i) dan penyesuaian lainnya (lihat Catatan 3h) adalah sebagai berikut: (lanjutan)
Details of transaction related adjustments to
consider the transferred of assets and liabilities from BBI to the Bank (see Note 3g), synergy impact (see Note 3i) and other adjustments (see
Note 3h) are as follows: (continued)
31/12/2022
Tinggal di BBI/
Stay in BBI
Sinergi/ Sinergy
Lainnya/ Others
Penyesuaian transaksi/
Transaction related
adjustments
PENDAPATAN DAN BEBAN OPERATING INCOME AND OPERASIONAL EXPENSES Pendapatan bunga (298.087) 1.371.980 - 1.073.893 Interest income Beban bunga - (835.403) (555.556) (1.390.959) Interest expense Pendapatan bunga bersih (298.087) 536.577 (555.556) (317.066) Net interest income
Pendapatan provisi dan komisi - bersih - 83.282 - 83.282 Net fees and commission income Jumlah pendapatan operasional (298.087) 619.859 (555.556) (233.784) Total operating income Kerugian penurunan nilai Impairment losses on aset keuangan - (159.440) - (159.440) financial assets Beban operasional lainnya Other operating expenses Umum dan administrasi - (111.576) - (111.576) General and administrative Jumlah beban operasional lainnya - (111.576) - (111.576) Total other operating expenses
Jumlah beban operasional - (271.016) - (271.016) Total operating expenses Laba sebelum pajak penghasilan (298.087) 348.843 (555.556) (504.800) Income before income tax Beban pajak penghasilan 270.336 (70.827) 112.796 312.305 Income tax expense Laba bersih (27.751) 278.016 (442.760) (192.495) Net Income
k. Laba bersih per saham k. Earnings per share
Laba bersih per saham dasar dihitung dengan membagi laba bersih tahun berjalan yang dapat
diatribusikan kepada pemilik entitas induk dengan rata-rata tertimbang jumlah saham yang beredar pada tahun yang bersangkutan. Untuk
perhitungan laba bersih per saham dilusian, rata-rata tertimbang jumlah saham yang beredar disesuaikan dengan memperhitungkan dampak
dari semua efek berpotensi saham biasa yang bersifat dilutif.
Basic earnings per share is calculated by dividing net income attributable to equity holders
of the parent entity by the weighted average number of outstanding shares during the related year. In the calculation of diluted earnings per
share, the outstanding weighted average number of shares is adjusted by calculating the effects of all potential dilutive securities.
Tidak terdapat efek yang berpotensi menjadi
saham biasa. Oleh karena itu, laba per saham dilusian sama dengan laba per saham dasar. Rata-rata tertimbang jumlah saham yang
beredar sebesar 28.042.739.205 saham pada tahun 2020, 29.708.737.720 saham pada tahun 2021 dan 31.374.736.235 saham pada tahun 2022.
There were no securities which can be
converted into common shares. Therefore, diluted earnings per share is equivalent to basic earnings per share. Weighted average number
of outstanding shares amounted to 28,042,739,205 shares in 2020, 29,708,737,720 shares in 2021 and 31,374,736,235 shares in 2022.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/14 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK
4. FINANCIAL RATIOS BASED ON OJK
REGULATION
Bank telah menghitung rasio keuangan berdasarkan
Peraturan OJK (“POJK”) sebagai berikut:
The Bank has calculated financial ratios based on
OJK Regulation (“POJK”) as follow:
a. Rasio Kewajiban Penyediaan Modal
Minimum (“KPMM”)
a. Capital Adequacy Ratio (“CAR”)
Rasio KPMM adalah rasio modal bank terhadap
Aset Tertimbang Menurut Risiko (“ATMR”).
KPMM Perseroan yang dihitung berdasarkan
POJK No. 11/POJK.03/2016 dan perubahannya
POJK No. 34/POJK.03/2016 yang berlaku
adalah sebagai berikut:
CAR is the ratio of bank’s capital over its Risk
Weighted Assets (“RWA”). The Company’s CAR
as calculated in accordance with POJK No.
11/POJK.03/2016 and its amendment POJK No.
34/POJK.03/2016 are as follow:
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Modal inti (Tier 1) 42.987.167 44.530.133 47.395.928 Core capital (Tier 1) Modal pelengkap (Tier 2) 1.839.703 1.889.657 2.058.504 Suplementary capital (Tier 2) Jumlah modal 44.826.870 46.419.790 49.454.432 Total capital Jumlah ATMR 149.390.044 163.751.680 183.606.836 Total RWA Rasio KPMM 30,01% 28,35% 26,93% CAR
b. Aset produktif dan non-produktif bermasalah
terhadap total aset produktif dan non-
produktif
b. Non-performing productive and non-
productive assets to total productive and
non-productive assets
Berdasarkan Surat Edaran OJK (“SEOJK”)
No. 43/SEOJK.03/2016, rasio ini dihitung
dengan membagi aset bermasalah produktif dan
non produktif dengan total aset produktif dan
non produktif. Pengertian dan kualitas dari aset
produktif dan non produktif berdasarkan POJK
No. 40/POJK.03/2019.
Based on the Circular Letter of OJK (“SEOJK”)
No. 43/SEOJK.03/2016, this ratio is calculated
by dividing non-performing productive and non-
productive assets by total productive and non-
productive assets. The definition and quality of
productive and non-productive assets is based
on with POJK No. 40/POJK.03/2019.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Aset produktif bermasalah 4.827.779 4.924.668 3.791.450 Non-performing productive assets Aset non-produktif bermasalah 331.677 331.677 331.677 Non-performing non-productive assets Jumlah aset bermasalah 5.159.456 5.256.345 4.123.127 Total non-performing assets Jumlah aset 241.829.515 277.846.246 313.016.490 Total assets Non-performing productive Aset produktif dan non-produktif and non-productive assets
bermasalah terhadap total aset to total productive and produktif dan non-produktif 2,13% 1,89% 1,32% non-productive assets
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/15 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK (lanjutan)
4. FINANCIAL RATIOS BASED ON OJK
REGULATION (continued)
c. Aset produktif bermasalah terhadap total
aset produktif
c. Non-performing productive assets to total
productive assets
Berdasarkan SEOJK No. 43/SEOJK.03/2016, rasio ini dihitung dengan membagi aset produktif
bermasalah (tidak termasuk transaksi rekening administratif) dengan total aset produktif (tidak termasuk transaksi rekening administratif).
Pengertian dan kualitas aset produktif sesuai dengan POJK No. 40/POJK.03/2019. Aset produktif meliputi penempatan, piutang derivatif,
surat berharga, piutang akseptasi, kredit, penempatan ekuitas, dan transaksi rekening administratif.
Based on SEOJK No. 43/SEOJK.03/2016, this ratio is calculated by dividing non-performing
productive assets (excluding off-balance sheet transactions) by total productive assets (excluding off-balance sheet transactions). The
definition and quality of productive assets is in accordance with POJK No. 40/POJK.03/2019. Productive assets among others include
placements, derivative receivables, marketable securities, acceptance receivables, loans, equity placement, and off-balance sheet transactions.
Prospektif gabungan/ Combined prospective 31 Desember/
December 2020 31 Desember/ December 2021
31 Desember/ December 2022
Aset produktif bermasalah 4.823.304 4.919.960 3.788.936 Non-performing productive assets Jumlah aset produktif 175.627.950 204.113.863 233.523.637 Total productive assets Aset produktif bermasalah Non-performing productive
terhadap total aset assets to total produktif 2,75% 2,41% 1,62% productive assets
d. Cadangan kerugian penurunan nilai aset keuangan terhadap aset produktif
d. Allowance for impairment losses on financial assets to productive assets
Berdasarkan SEOJK No. 43/SEOJK.03/2016,
rasio ini dihitung dengan membagi cadangan kerugian penurunan nilai aset keuangan dengan total aset produktif (tidak termasuk transaksi
rekening administratif ). Pengertian dan kualitas aset produktif sesuai dengan POJK No. 40/POJK.03/2019. Aset produktif antara lain meliputi penempatan, piutang derivatif, surat
berharga, piutang akseptasi, kredit, penempatan ekuitas, dan transaksi rekening administratif.
Based on SEOJK No. 43/SEOJK.03/2016, this
ratio is calculated by dividing the allowance for impairment losses on financial assets with the total productive assets (excluding off-balance
sheet transactions). The definition and quality of productive assets is in accordance with POJK No. 40/POJK.03/2019. Productive assets among others, include placements, derivative
receivables, marketable securities, acceptance receivables, loans, equity placement, and off-balance sheet transactions.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Cadangan kerugian penurunan nilai 9.227.124 10.586.757 10.759.032 Allowance for impairment losses Jumlah aset produktif 175.627.950 204.113.863 233.523.637 Total productive assets Cadangan kerugian Allowance for impairment
penurunan nilai terhadap losses to total total aset produktif 5,25% 5,19% 4,61% productive assets
e. Rasio kredit bermasalah - kotor e. Non performing loans - gross ratio
Berdasarkan SEOJK No. 43/SEOJK.03/2016, rasio ini dihitung dengan membagi kredit bermasalah sebelum cadangan kerugian
penurunan nilai dengan jumlah kredit. Kredit bermasalah adalah kredit dengan kolektibilitas kurang lancar, diragukan, dan macet
sebagaimana diatur dalam POJK No. 40/POJK.03/2019.
Based on SEOJK No. 43/SEOJK.03/2016, this ratio is calculated by dividing non-performing loans before allowance of impairment losses by
total loans. Non performing loans are loans with collectability of substandard, doubtful, and loss as stipulated in POJK No. 40/POJK.03/2019.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/16 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK (lanjutan)
4. FINANCIAL RATIOS BASED ON OJK
REGULATION (continued)
e. Rasio kredit bermasalah - kotor (lanjutan) e. Non performing loans - gross ratio
(continued)
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Kredit bermasalah - kotor 4.790.480 4.886.432 4.060.193 Non performing loans - gross Jumlah kredit 126.287.768 141.803.171 163.470.805 Total loans Rasio kredit bermasalah - kotor 3,79% 3,45% 2,48% Non performing loans - gross ratio
f. Rasio kredit bermasalah - bersih f. Non performing loans - net ratio
Berdasarkan SEOJK No. 43/SEOJK.03/2016, rasio ini dihitung dengan membagi kredit
bermasalah setelah memperhitungkan cadangan kerugian penurunan nilai dengan jumlah kredit. Kredit bermasalah adalah kredit dengan kolektibilitas kurang lancar, diragukan,
dan macet sebagaimana diatur dalam POJK No. 40/POJK.03/2019.
Based on SEOJK No. 43/SEOJK.03/2016, this ratio is calculated by dividing non-performing
loans after considering the allowance of impairment losses by total loans. Non performing loans are loans with collectability of substandard, doubtful, and loss as stipulated in
POJK No. 40/POJK.03/2019.
Prospektif gabungan/ Combined prospective 31 Desember/
December 2020 31 Desember/ December 2021
31 Desember/ December 2022
Kredit bermasalah - kotor 4.790.480 4.886.432 4.060.193 Non performing loans - gross Cadangan kerugian penurunan nilai (2.904.501) (3.084.597) (2.310.997) Allowance for impairment losses Kredit bermasalah - bersih 1.885.979 1.801.835 1.749.196 Non performing loans - net Jumlah kredit 126.287.768 141.803.171 163.470.805 Total loans Rasio kredit bermasalah - bersih 1,49% 1,27% 1,07% Non performing loans - net ratio
g. Tingkat pengembalian aset g. Return on assets
Berdasarkan SEOJK No. 43/SEOJK.03/2016, tingkat pengembalian aset dihitung dengan membagi pendapatan sebelum pajak
penghasilan dengan rata-rata jumlah aset bulanan. Manajemen menghitung rata-rata jumlah aset prospektif gabungan dengan asumsi
bahwa rata-rata jumlah aset prospektif gabungan untuk akhir periode dan jumlah aset prospektif gabungan untuk akhir periode sebelumnya yang mencerminkan rata-rata
bulanan jumlah aset prospektif.
Based on SEOJK No. 43/SEOJK.03/2016, return on assets is calculated by dividing the income before income tax by the average of monthly
total assets. Management calculates the average combined prospective total assets with the assumptions that the average of the
combined prospective total assets for the period end and the combined prospective total assets for the prior period end which reflects the monthly average combined prospective total
assets.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Pendapatan sebelum pajak pendapatan 1.423.118 1.509.197 3.057.923 Income before income tax Rata-rata bulanan jumlah aset 189.838.720 201.921.286 227.002.646 Average monthly total assets Tingkat pengembalian aset 0,75% 0,75% 1,35% Return on assets
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/17 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK (lanjutan)
4. FINANCIAL RATIOS BASED ON OJK
REGULATION (continued)
h. Tingkat pengembalian ekuitas h. Return on equity
Berdasarkan SEOJK No. 43/SEOJK.03/2016, tingkat pengembalian ekuitas dihitung dengan membagi pendapatan setelah pajak penghasilan
dengan rata-rata modal inti bulanan. Manajemen menghitung rata-rata modal inti prospektif gabungan dengan asumsi bahwa
rata-rata modal inti prospektif gabungan untuk akhir periode dan modal inti prospektif gabungan untuk akhir periode sebelumnya yang
mencerminkan rata-rata bulanan modal inti prospektif.
Based on SEOJK No. 43/SEOJK.03/2016, return on equity is calculated by dividing the income after income tax by the average of monthly core
capital. Management calculates the average combined prospective core capital with the assumptions that the average of the combined
prospective core capital for the period end and the combined prospective core capital for the prior period end which reflects the monthly
average combined prospective core capital.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Pendapatan setelah pajak penghasilan (laba bersih) 889.215 1.171.554 2.437.063 Income after income tax (net income)
Rata-rata bulanan modal inti (Tier 1) 41.036.736 43.758.650 45.963.031 Average monthly core capital (Tier 1)
Tingkat pengembalian ekuitas 2,17% 2,68% 5,30% Return on equity
i. Margin bunga bersih i. Net interest margin
Berdasarkan SEOJK No. 43/SEOJK.03/2016, margin bunga bersih dihitung dengan membagi
pendapatan bunga bersih yang tidak termasuk premi penjaminan simpanan dengan rata-rata bulanan aset produktif yang menghasilkan
bunga. Aset produktif yang menghasilkan bunga tidak termasuk bank garansi, letter of credit, standby letter of credit, dan fasilitas kredit yang
belum ditarik yang tidak menghasilkan bunga.
Based on SEOJK No. 43/SEOJK.03/2016, net interest margin is calculated by dividing the net
interest income, excluding the deposits guarantee premium by the average monthly interest-earning productive assets. Interest-
earning productive assets exclude bank guarantee, letters of credit, standby letters of credit, and undrawn loan facilities that do not
generate interest.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Pendapatan bunga bersih 7.254.698 7.279.496 8.680.122 Net interest income
Rata-rata bulanan aset produktif Average monthly interest-earning yang menghasilkan bunga 174.943.976 175.976.920 207.494.029 from productive assets
Margin bunga bersih 4,15% 4,14% 4,18% Net interest margin
j. Bunga operasional terhadap pendapatan operasional
j. Operating expenses to operating income
Berdasarkan SEOJK No. 43/SEOJK.03/2016, beban operasional terhadap pendapatan operasional dihitung dengan membagi beban
operasional dengan pendapatan operasional pada periode laporan. Untuk keperluan perhitungan ini, beban operasional terdiri dari
beban bunga, kerugian penurunan nilai aset keuangan, dan beban operasional, sedangkan pendapatan operasional terdiri dari pendapatan bunga dan pendapatan operasional lainnya.
Based on SEOJK No. 43/SEOJK.03/2016, operating expenses to operating income is calculated by dividing adjusted operating
expenses by adjusted operating income as of the reporting period. For the purpose of this calculation, operating expenses consist of
interest expense, impairment losses on financial assets, and operating expenses, while operating income consist of interest income and other operating income.
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/18 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK (lanjutan)
4. FINANCIAL RATIOS BASED ON OJK
REGULATION (continued)
j. Bunga operasional terhadap pendapatan
operasional (lanjutan)
j. Operating expenses to operating income
(continued)
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Biaya operasional 13.026.390 14.461.882 15.212.952 Operating expenses Pendapatan operasional 14.449.508 15.971.079 18.270.875 Operating income Bunga operasional terhadap Operating expenses to
pendapatan operasional 90,15% 90,55% 83,26% operating income
k. Rasio kredit terhadap simpanan k. Loan to deposit ratio
Berdasarkan SEOJK No. 43/SEOJK.03/2016,
rasio kredit terhadap simpanan dihitung dengan membagi total kredit sebelum cadangan kerugian penurunan nilai dan piutang bunga dengan dana pihak ketiga. Pengertian kredit
sesuai dengan POJK No. 40/POJK.03/2019, tidak termasuk kredit kepada bank lain. Dana pihak ketiga mencakup giro, tabungan, dan
deposito, dan tidak termasuk simpanan dari bank-bank lain.
Based on SEOJK No. 43/SEOJK.03/2016, loan
to deposit ratio is calculated by dividing total loan before allowance of impairment losses and accrued interest by third party fund. The definition of loan is in accordance with POJK No.
40/POJK.03/2019, excluding loan to other banks. Third party fund consist of current accounts, saving accounts, and deposits,
excluding deposits from other banks.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Kredit sebelum cadangan Loan before allowance for
kerugian penurunan nilai 129.007.768 143.963.171 164.195.805 impairment losses Kredit kepada bank lain (2.720.000) (2.160.000) (725.000) Loan to other bank
126.287.768 141.803.171 163.470.805 Dana pihak ketiga 134.683.562 157.821.918 181.644.994 Third party fund Rasio kredit terhadap simpanan 93,77% 89,85% 89,99% Loan to deposit ratio
l. Rasio pendanaan stabil bersih l. Net stable funding ratio
Berdasarkan POJK No. 50/POJK.03/2017, rasio pendanaan stabil bersih merupakan perbandingan antara pendanaan stabil yang
tersedia dengan pendanaan stabil yang dibutuhkan. Pendanaan stabil yang tersedia adalah jumlah liabilitas dan ekuitas stabil
selama periode satu tahun untuk mendanai aktivitas Bank. Pendanaan stabil yang dibutuhkan adalah jumlah aset dan transaksi rekening administratif yang perlu didanai oleh
pendanaan stabil.
Based on POJK No. 50/POJK.03/2017, net stable funding ratio is the comparison between available stable funding with the required stable
funding. Available stable funding is the stable amount of liabilities and equity during period one year to fund the Bank activities. Required stable
funding is the amount of assets and off-balance sheet transactions that need to be funded by the stable funding.
Prospektif gabungan/ Combined prospective
31 Desember/ December 2020
31 Desember/ December 2021
31 Desember/ December 2022
Pendanaan stabil tersedia 135.606.953 151.707.132 170.075.120 Available stable funding Kebutuhan pendanaan stabil 103.322.518 113.670.239 127.218.489 Required stable funding Rasio pendanaan stabil - bersih 131,25% 133,46% 133,69% Net stable funding ratio
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/19 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
4. RASIO KEUANGAN BERDASARKAN
PERATURAN OJK (lanjutan)
4. FINANCIAL RATIOS BASED ON OJK
REGULATION (continued)
m. Rasio pemenuhan likuiditas m. Liquidity coverage ratio
Berdasarkan POJK No. 42/POJK.03/2015, rasio
pemenuhan likuiditas merupakan perbandingan
antara aset likuid berkualitas tinggi dengan total
arus kas keluar bersih selama tiga puluh hari ke
depan dalam skenario stres. Aset likuid
berkualitas tinggi adalah kas dan/atau aset
keuangan yang dapat dengan segera diubah
menjadi kas untuk memenuhi kebutuhan
likuiditas Bank untuk tiga puluh hari ke depan.
Arus kas keluar bersih adalah jumlah perkiraan
arus kas keluar dikurangi jumlah perkiraan arus
kas masuk yang diperkirakan terjadi selama tiga
puluh hari ke depan dalam skenario stres.
Based on POJK No. 42/POJK.03/2015, liquidity
coverage ratio is the comparison between high
quality liquid assets and total net cash outflow
for the next thirty days in a stress scenario. High
quality liquid assets are cash and/or financial
assets that can be readily converted into cash to
meet the liquidity needs of the Bank for the next
thirty days in a stress scenario. Net cash outflow
is the total estimated cash outflow minus the
total estimated cash inflow estimated to occur
over the next thirty days in a stress scenario.
Prospektif gabungan/ Combined prospective
31 Desember/
December 2020
31 Desember/
December 2021
31 Desember/
December 2022
Aset likuid berkualitas tinggi 48.136.558 56.830.223 62.022.191 High quality liquid assets Proyeksi kas keluar 35.750.792 39.917.460 44.253.902 Cash outflow projection Proyeksi kas masuk (18.850.403) (20.126.277) (21.916.913) Cash inflow projection
Proyeksi kas keluar - bersih 16.900.389 19.791.183 22.336.989 Net cash outflow projection
Rasio pemenuhan likuiditas 284,83% 287,15% 277,67% Liquidity coverage ratio
n. Rasio pengungkit n. Leverage ratio
Berdasarkan POJK No. 31/SEOJK.03/2019,
rasio pengungkit dihitung dengan membagi
modal inti dengan total eksposur. Total eksposur
adalah jumlah dari eksposur aset pada laporan
posisi keuangan, eksposur transaksi derivatif,
eksposur transaksi pembiayaan efek, dan
eksposur transaksi rekening administratif pada
komitmen dan kontinjensi.
Based on POJK No. 31/SEOJK.03/2019,
leverage ratio is calculated by dividing the core
capital by the total exposure. Total exposure is
the total of asset exposure in the statement of
financial position, exposure to derivative
transactions, exposure to securities financing
transactions, and exposure to off-balance sheet
transactions in the commitments and
contingencies.
Prospektif gabungan/ Combined prospective
31 Desember/
December 2020
31 Desember/
December 2021
31 Desember/
December 2022
Modal inti (Tier 1) 42.987.167 44.530.133 47.395.928 Core capital (Tier 1) Eksposur aset pada Assets exposure in the
laporan posisi keuangan 178.627.643 204.255.507 231.798.786 statement of financial position Eksposur pada transaksi derivatif 690.635 705.362 727.041 Exposure to derivative transactions Eksposur pada transaksi Exposure to securities
pembiayaan surat berharga 8.549.776 6.460.884 5.944.449 financing transactions Eksposur pada transaksi Exposure to off-balance
rekening administratif 8.575.871 8.575.871 8.575.871 sheet transactions
Proyeksi kas keluar - bersih 196.443.925 219.997.624 247.046.147 Total exposure Rasio pengungkit 21,88% 20,24% 19,19% Leverage ratio
PT BANK PERMATA Tbk
CATATAN ATAS INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN 31 DESEMBER 2020, 2021, DAN 2022 (Dinyatakan dalam jutaan Rupiah,
kecuali dinyatakan secara khusus)
NOTES TO THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION 31 DECEMBER 2020, 2021, AND 2022
(Expressed in millions of Rupiah,
unless otherwise stated)
Lampiran - 8/20 - Schedule
The original combined prospective financial statements included herein are in Indonesian language.
5. PENERBITAN KEMBALI INFORMASI KEUANGAN
PROSPEKTIF GABUNGAN
5. REISSUANCE OF THE COMBINED
PROSPECTIVE FINANCIAL INFORMATION
Bank telah menerbitkan kembali informasi keuangan
prospektif gabungan untuk menyesuaikan dengan komentar dari OJK. Sehubungan dengan hal itu, Bank melakukan penerbitan kembali informasi keuangan prospektif gabungan terkait dengan hal-hal
sebagai berikut:
The Bank has reissued the combined prospective
financial information to conform with the comments from OJK. In relation those purpose, the Bank has reissued the combined prospective financial information relating to the following:
- Laporan Posisi Keuangan Prospektif Gabungan - Combined Prospective Statements of Financial
Position - Laporan Laba Rugi dan Penghasilan
Komprehensif Lain Prospektif Gabungan - Combined Prospective Statements of Profit or
Loss and Other Comprehensive Income
- Laporan Perubahan Ekuitas Prospektif Gabungan - Combined Prospective Statements of Changes in Equity
- Catatan 3 – Asumsi Signifikan yang Digunakan sebagai Dasar Penyesuaian Prospektif
- Notes 3 – Significant Assumptions Used as the Basis for the Prospective Adjustments
- Catatan 4 – Rasio Keuangan Berdasarkan Peraturan OJK
- Catatan 5 – Penerbitan Kembali Informasi
Keuangan Prospektif Gabungan
- Notes 4 – Financial Ratios Based on OJK Regulation
- Notes 5 – Reissuance of the Combined
Prospective Financial Information