PT BANK CIMB NIAGA Tbk

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PT BANK CIMB NIAGA Tbk

DAN ENTITAS ANAK/AND SUBSIDIARIES

LAPORAN KEUANGAN KONSOLIDASIAN/

CONSOLIDATED FINANCIAL STATEMENTS

30 SEPTEMBER 2019 (TIDAK DIAUDIT) DAN 31 DESEMBER 2018 (DIAUDIT), SERTA UNTUK PERIODE SEMBILAN BULAN YANG BERAKHIR

30 SEPTEMBER 2019 DAN 2018 (TIDAK DIAUDIT)/

30 SEPTEMBER 2019 (UNAUDITED) AND 31 DECEMBER 2018 (AUDITED), AND FOR THE NINE-MONTH PERIODS ENDED

30 SEPTEMBER 2019 AND 2018 (UNAUDITED)

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Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak

terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part

of these consolidated financial statements.

ASET ASSETS

K a s 2e,2f,2i,4 3,669,561 4,293,370 Cash

Giro pada Bank Indonesia 2e,2f,2j,5 8,956,116 10,435,254 Current accounts with Bank Indonesia

Giro pada bank lain 2,439,868 3,093,901 Current accounts with other banks

Dikurangi: Cadangan kerugian Less: Allowance for

penurunan nilai - - impairment losses

2e,2f,2h,2j,2ah,6,49 2,439,868 3,093,901

Penempatan pada bank lain Placement with other banks

dan Bank Indonesia 6,601,645 9,240,574 and Bank Indonesia

penurunan nilai (23,297) (13,299) impairment losses

2e,2f,2h,2k,7 6,578,348 9,227,275

Efek-efek 11,165,816 10,715,002 Marketable securities

2e,2f,2h,2l,8 11,127,777 10,676,225

Obligasi Pemerintah 2e,2f,2l,9 24,971,092 23,999,772 Government Bonds

Efek-efek yang dibeli dengan janji Securities purchased under

dijual kembali 2f,2m,10 142,592 593,593 resale agreements

Tagihan derivatif 2e,2f,2n,11 776,368 1,084,759 Derivative receivables

Kredit yang diberikan Loans

Pihak berelasi 2f,2ah,12,49 282,382 296,480 Related parties

Pihak ketiga 2e,2f,2o,12 188,560,215 185,966,151 Third parties

188,842,597 186,262,631

penurunan nilai (5,430,674) (5,951,354) impairment losses

2e,2f,2h,2o,2ah,12,49 183,411,923 180,311,277

Piutang pembiayaan konsumen 2,819,723 2,199,800 Consumer financing receivables

2f,2h,2p,13 2,721,934 2,052,802

Piutang sewa pembiayaan 3,815 5,106 Financing lease receivables

2f,2h,2q,14 - 1,180

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ASET (lanjutan) ASSETS (continued)

Tagihan akseptasi 3,026,934 4,462,483 Acceptance receivables

penurunan nilai - - impairment losses

2e,2f,2h,2r,15 3,026,934 4,462,483

Penyertaan 4,214 4,214 Investments

penurunan nilai (555) (555) impairment losses

2f,2h,2s,16 3,659 3,659

Aset tetap 8,684,996 8,220,380 Fixed assets

Dikurangi: Akumulasi penyusutan (2,372,903) (2,767,098) Less: Accumulated depreciation

2t,17 6,312,093 5,453,282

Aset tidak berwujud 2,830,420 2,817,351 Intangible assets

Dikurangi: Akumulasi penyusutan (1,353,996) (1,221,073) Less: Accumulated depreciation

2u,18 1,476,424 1,596,278

Aset yang diambil alih 184,527 385,240 Foreclosed assets

2h,2v,19 60,796 207,760

Uang muka pajak 2ae,31a 1,186,299 1,892,270 Prepaid taxes

Pendapatan bunga yang masih akan diterima 2e,2f,20 1,221,004 1,257,224 Accrued interest income

Beban dibayar dimuka 2w,2ah,21,49 1,442,042 1,294,384 Prepaid expenses

Aset pajak tangguhan - bersih 2ae,31d - 99,863 Deferred tax assets - net

Aset lain-lain 2ah,22 3,735,534 5,185,188 Other assets

2f,2h,2v,2w,2ah,22 3,294,090 4,744,887

JUMLAH ASET 262,818,920 266,781,498 TOTAL ASSETS

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Notes 2019 2018

LIABILITAS DAN EKUITAS LIABILITIES AND EQUITY

LIABILITAS LIABILITIES

Liabilitas segera 2f,2x,23 1,912,881 2,240,191 Obligations due immediately

Simpanan dari nasabah Deposits from customers

Giro Demand deposits

Pihak berelasi 2e,2ah,24,49 62,901 83,253 Related parties

Pihak ketiga 2e,2f,2y,24 45,662,111 45,773,898 Third parties

45,725,012

45,857,151

Tabungan Saving deposits

56,432,312

54,495,883

Deposito berjangka Time deposits

88,169,588

90,397,184

Jumlah simpanan dari nasabah 190,326,912 190,750,218 Total deposits from customers

Simpanan dari bank Lain Deposits from other banks

Giro dan tabungan 2e,2f,2y,2ah,27,49 1,039,622 1,439,890 Demand and saving deposits

Inter-bank call money dan Inter-bank call money and

deposito berjangka 2e,2f,2y,28 1,748,816 1,488,803 time deposits

2,788,438

2,928,693

Efek-efek yang dijual dengan janji Securities sold under

dibeli kembali 2f,2m,10 4,635,776 11,940,900 repurchase agreement

Liabilitas derivatif 2e,2f,2n,2ah,11,49 514,389 684,269 Derivative payables

Liabilitas akseptasi 2e,2f,2r,15 3,026,934 4,462,483 Acceptance payables

Efek-efek yang diterbitkan 2f,2z,29 6,514,386 5,269,757 Marketable securities issued

Pinjaman yang diterima 2e,2f,2ah,2aa,30,49 3,019,687 2,195,916 Borrowings

Utang pajak 2ae,31b Taxes payable

- Pajak penghasilan badan induk perusahaan 121,126 203,066 Corporate income taxes of parent company -

- Pajak lain-lain 288,908 258,075 Other taxes -

410,034

461,141

Liabilitas pajak tangguhan - bersih 2ae,31d 98,775 - Deferred tax liabilities - net

Beban yang masih harus dibayar Accruals and other

dan liabilitas lain-lain liabilities

- Beban yang masih harus dibayar 2f,32a 3,265,406 2,665,340 Accruals -

- Liabilitas lain-lain 2f,32b 1,183,950 929,398 Other liabilities -

4,449,356

3,594,738

Liabilitas imbalan kerja 2af,45 1,094,373 930,196 Employee benefit obligations

Pinjaman subordinasi 2f,2aa,33 1,743,700 1,742,417 Subordinated loans

JUMLAH LIABILITAS 220,535,641 227,200,919 TOTAL LIABILITIES

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Ekuitas diatribusikan kepada Equity attributable to

pemilik entitas induk owners of the parent

Modal saham biasa Share capital

Modal dasar 71.853.936 Authorized capital 71,853,936

saham biasa kelas A, dengan class A ordinary shares with

nilai nominal Rp 5.000 (nilai penuh) par value of Rp 5,000 (full

per saham dan 50.814.606.400 amount) per share, and

saham biasa kelas B, 50,814,606,400 class B

dengan nilai nominal Rp 50 ordinary shares with par value

(nilai penuh) per saham of Rp 50 (full amount) per share

Modal ditempatkan dan disetor penuh Issued and fully paid

71.853.936 lembar saham biasa kelas A dan 71,853,936 class A ordinary shares

25.059.752.907 lembar saham biasa kelas B and 25,059,752,907 class B ordinary shares

pada tanggal 30 September 2019 dan 31 Desember 2018 34 1,612,257 1,612,257 as at 30 September 2019 and 31 December 2018

Tambahan modal disetor 2c,34 7,033,450 7,033,450 Additional paid in capital

Transaksi dengan kepentingan nonpengendali (35,723) (35,723) Transactions with non-controlling interest

Saham treasuri 2ai, 34 (253,279) (250,321) Treasury shares

Cadangan kompensasi berbasis saham 94,596 86,453 Share-based compensation reserve

Selisih penilaian kembali aset tetap 2t,17 3,515,604 3,077,883 Reserve on revaluation of fixed assets

(Kerugian)/keuntungan yang belum direalisasi Unrealised (losses)/gains on available-for-sale

atas efek-efek dan obligasi pemerintah marketable securities

dalam kelompok tersedia untuk dijual 2l (177,998) (436,355) and government bonds

Cadangan umum dan wajib 35 351,538 351,538 General and statutory reserve

Saldo laba 30,126,827 28,140,392 Retained earnings

42,267,272

39,579,574

Kepentingan nonpengendali 2c,50 16,007 1,005 Non-controlling interest

Jumlah ekuitas 42,283,279 39,580,579 Total equity

JUMLAH LIABILITAS TOTAL LIABILITIES

DAN EKUITAS 262,818,920 266,781,498 AND EQUITY

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Halaman – 2/1 – Page

Catatan/ 3 Bulan/ 3 Bulan/ 9 Bulan/ 9 Bulan/

Notes Months Months Months Months

PENDAPATAN DAN BEBAN INCOME AND EXPENSES

OPERASIONAL FROM OPERATIONS

Pendapatan bunga 2ab,2ah,36,49 4,692,148 4,594,487 13,953,038 13,695,450 Interest income

Pendapatan syariah 2ab,2ah,36,62 787,344 514,280 2,349,168 1,368,854 Sharia income

Beban bunga 2ab,2ah,37,49 (1,877,818) (1,813,935) (5,406,797) (5,352,570) Interest expense

Beban syariah 2ab,2ah,37,62 (445,838) (270,556) (1,423,455) (699,167) Sharia expense

Pendapatan bunga dan syariah - bersih 3,155,836 3,024,276 9,471,954 9,012,567 Net interest and sharia income

Pendapatan operasional lainnya: Other operating income:

Provisi dan komisi lainnya 2ac,38 539,460 528,187 1,738,242 1,609,038 Other fees and commissions

Keuntungan/(kerugian) transaksi mata uang asing 2e 1,182 75,471 36,644 139,241 Foreign exchange gains/(losses)

Lain-lain 501,113 179,870 758,452 572,214 Others

Jumlah pendapatan operasional Total other operating

lainnya 1,041,755 783,528 2,533,338 2,320,493 income

Kerugian penurunan nilai atas aset keuangan Impairment losses on financial

dan nonkeuangan - bersih 2h,39 (944,398) (757,931) (2,465,828) (2,309,663) and non-financial assets - net

Keuntungan dari instrumen keuangan Gains from trading

yang diperdagangkan - bersih 2n,2l,40 92,783 206,314 427,755 494,888 financial instruments - net

Keuntungan dari penjualan efek-efek - bersih 2l,41 97,078 13,154 252,260 51,109 Gains from sale of marketable securities - net

Beban operasional lainnya: Other operating expenses:

Beban tenaga kerja 2ad,42 (1,430,382) (1,018,946) (3,577,118) (2,970,020) Personnel expenses

Beban umum dan administrasi 2ad,43 (981,924) (940,227) (2,838,104) (2,676,034) General and administrative expenses

Lain-lain (59,902) (140,561) (159,508) (355,090) Others

Jumlah beban operasional lainnya (2,472,208) (2,099,734) (6,574,730) (6,001,144) Total other operating expenses

LABA OPERASIONAL BERSIH 970,846 1,169,607 3,644,749 3,568,250 NET OPERATING INCOME

PENDAPATAN BUKAN OPERASIONAL INCOME FROM NON OPERATIONS

Pendapatan bukan operasional - bersih 44 7,084 35,521 10,614 57,822 Non operating income - net

LABA SEBELUM PAJAK INCOME BEFORE

PENGHASILAN 977,930 1,205,128 3,655,363 3,626,072 INCOME TAX

BEBAN PAJAK PENGHASILAN 2ae,31c (277,108) (381,089) (978,104) (1,034,224) INCOME TAX EXPENSE

LABA BERSIH 700,822 824,039 2,677,259 2,591,848 NET INCOME

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Halaman – 2/2 – Page

Laba bersih 700,822 824,039 2,677,259 2,591,848 Net income

Penghasilan komprehensif lain: Other comprehensive income:

Pos-pos yang tidak akan direklasifikasi ke laba rugi Items that will not be reclassified to profit or loss

Pengukuran kembali atas program imbalan pasti Remeasurement of post employment

keuntungan/(kerugian) aktuarial 2af,45 - - 5,565 (2,179) benefits obligation actuarial gains/(losses) Selisih penilaian kembali aset tetap 2t,17 (17,021) - 490,097 - Reserve on revaluation of fixed assets

(17,021)

- 495,662 (2,179)

Pajak penghasilan terkait pos-pos yang tidak Income tax relating to item that will not be

akan direklasifikasi ke laba rugi 31d (587) - (53,767) 545 reclassified to profit or loss (17,608)

- 441,895 (1,634)

Item that will be reclassified subsequently to

Pos-pos yang akan direklasifikasi ke laba rugi profit or loss

Keuntungan/(kerugian) yang belum direalisasi Unrealised gains/(losses) from changes in fair

perubahan nilai wajar dari efek-efek dan obligasi pemerintah value of available-for-sale marketable

dalam kelompok tersedia untuk dijual 2l,8,9 64,252 118,128 296,524 (595,078) securities and government bonds

Penyesuaian reklasifikasi atas Reclassification adjustment on gains/(losses)

keuntungan/(kerugian) yang termasuk dalam laba rugi 15,008 (85,674) 47,952 (53,407) which already included in profit or loss 79,260

32,454 344,476 (648,485)

Pajak penghasilan terkait pos-pos yang Income tax relating to item that will be

akan direklasifikasi ke laba rugi 31d (19,815) (8,114) (86,119) 162,121 reclassified to profit or loss 59,445

24,340 258,357 (486,364)

PENGHASILAN KOMPREHENSIF LAIN - OTHER COMPREHENSIVE INCOME -

SETELAH PAJAK 41,837 24,340 700,252 (487,998) NET OF TAX

JUMLAH PENGHASILAN KOMPREHENSIF 742,659 848,379 3,377,511 2,103,850 TOTAL COMPREHENSIVE INCOME Laba bersih yang dapat diatribusikan

kepada: Net income attributable to:

Pemilik entitas induk 702,199 824,064 2,678,746 2,591,739 Equity holders of the parent

Kepentingan nonpengendali 50b (1,377) (25) (1,487) 109 Non-controlling interest

700,822

824,039 2,677,259 2,591,848

Jumlah penghasilan komprehensif yang Total comprehensive income

dapat diatribusikan kepada: attributable to:

Pemilik entitas induk 744,036 848,404 3,378,998 2,103,741 Equity holders of the parent

Kepentingan nonpengendali 50b (1,377) (25) (1,487) 109 Non-controlling interest

742,659

848,379 3,377,511 2,103,850

LABA PER SAHAM EARNINGS PER SHARE

(dalam nilai penuh Rupiah (expressed in Rupiah full

per saham) 2ag,47 amount per share)

Dasar 28.16 33.06 107.44 103.99 Basic

Dilusian 28.16 33.06 107.44 103.99 Diluted

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terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

*) Termasuk di dalam saldo laba untuk periode sembilan bulan yang berakhir 30 September 2019 dan 2018, adalah pengukuran kembali atas

program imbalan pasti setelah pajak Included in retained earnings for the nine-month periods ended 30 September 2019 and 2018, *)

are the remeasurement of post employment benefits obligation net of tax Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

Transaksi dengan kepentingan

non pengendali/

Transaction with non- controlling

interest

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Selisih penilaian kembali aset

tetap/

Reserve on revaluation of

fixed assets

Keuntungan/(kerugian) yang belum direalisasi atas efek-efek dan obligasi pemerintah

dalam kelompok tersedia untuk dijual

setelah pajak/

Unrealised gains/(losses) on available-for-sale marketable securities and government bonds

net of tax

Saham Treasuri/

Treasury Shares

Saldo laba yang telah ditentukan penggunaannya - cadangan umum dan wajib/

Appropriated retained earnings

- general and statutory reserve

Saldo laba yang belum ditentukan penggunaannya/

Unappropriated

retained earnings Jumlah/ Total

Kepentingan nonpengendali/ Non-

controlling interest

Jumlah ekuitas/ Total equity

Saldo 1 Januari 2018 1,612,257 7,033,450 (35,723) 57,011 3,077,883 25,822 (242,902) 351,538 25,070,779 36,950,115 881 36,950,996 Balance as at 1 January 2018

Pembagian dividen tunai atas laba bersih Distribution of cash dividend

tahun buku 2017 - - - - - - - - (595,420) (595,420) - (595,420) on 2017 financial yar net income

Jumlah laba komprehensif Total comprehensive income

periode berjalan: for the current period:

- Laba bersih - - - - - - - - 2,591,739 2,591,739 109 2,591,848 Net income - - Penghasilan komprehensif lain ^*) 2l,2ae,8,9,31d,45,50 - - - - - (486,364) - - (1,634) (487,998) - (487,998) Other comprehensive income^*)-

-

- - - - (486,364) - - 2,590,105 2,103,741 109 2,103,850

- Saham treasuri 2ai,34 - - - - - - (18,972) - - (18,972) - (18,972) Treasury shares - - Cadangan kompensasi berbasis saham - - - 38,262 - - - - - 38,262 - 38,262 Shared based compensation reserve- Saldo 30 September 2018 1,612,257 7,033,450 (35,723) 95,273 3,077,883 (460,542) (261,874) 351,538 27,065,464 38,477,726 990 38,478,716 Balance as at 30 September 2018

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terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements.

*) Termasuk di dalam saldo laba untuk periode sembilan bulan yang berakhir 30 September 2019 dan 2018, adalah pengukuran kembali atas

program imbalan pasti setelah pajak Included in retained earnings for the nine-month periods ended 30 September 2019 and 2018, *)

are the remeasurement of post employment benefits obligation net of tax

Catatan/

Notes

Modal saham/

Share capital

Tambahan modal disetor/

Additional paid in capital

Transaksi dengan kepentingan

non pengendali/

Transaction with non- controlling

interest

Cadangan kompensasi

berbasis saham/

Share based compensation

reserve

Selisih penilaian kembali aset

tetap/

Reserve on revaluation of

fixed assets

(Kerugian)/keuntungan yang belum direalisasi atas efek- efek dan obligasi pemerintah

dalam kelompok tersedia untuk dijual setelah pajak/

Unrealised gains/(losses) on available-for-sale marketable securities and government bonds net of tax

Saham treasuri/

Treasury shares

Saldo laba yang telah ditentukan penggunaannya - cadangan umum dan wajib/

Appropriated retained earnings

- general and statutory reserve

Saldo laba yang belum ditentukan penggunaannya/

Unappropriated

retained earnings Jumlah/ Total

Kepentingan nonpengendali/ Non-

controlling interest

Jumlah ekuitas/ Total equity

Saldo 1 Januari 2019 1,612,257 7,033,450 (35,723) 86,453 3,077,883 (436,355) (250,321) 351,538 28,140,392 39,579,574 1,005 39,580,579 Balance as at 1 January 2019

Jumlah laba komprehensif Total comprehensive income

tahun berjalan: for the current year:

- Laba bersih - - - - - - - - 2,678,746 2,678,746 (1,487) 2,677,259 Net income - - Penghasilan komprehensif lain ^*) 2l,2ae,8,9,31d,45,50 - - - - 437,721 258,357 - - 4,174 700,252 - 700,252 Other comprehensive income*) -

-

- - - 437,721 258,357 - - 2,682,920 3,378,998 (1,487) 3,377,511

Transaksi dengan pemilik dalam Transaction with owners in their

kapasitasnya sebagai pemilik: capacity as owners:

- Pembagian dividen tunai atas laba bersih Distribution of cash dividend -

tahun buku 2018 35 - - - - - - - - (696,485) (696,485) (11) (696,496) on 2018 financial year net income - Saham treasuri 2ai,34 - - - - - - (2,958) - - (2,958) - (2,958) Treasury shares - - Cadangan kompensasi berbasis saham - - - 8,143 - - - - - 8,143 - 8,143 Shared based compensation reserve - - Modal saham 2d,50 - - - - - - - - - - 16,500 16,500 Share capital -

-

- - 8,143 - - (2,958) - (696,485) (691,300) 16,489 (674,811)

Saldo 30 September 2019 1,612,257 7,033,450 (35,723) 94,596 3,515,604 (177,998) (253,279) 351,538 30,126,827 42,267,272 16,007 42,283,279 Balance as at 30 September 2019

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Notes 2019 2018

Arus kas dari aktivitas operasi Cash flow from operating activities

Pendapatan bunga, provisi, dan komisi yang diterima 18,067,543 16,383,112 Receipts of interest, fees, and commissions income

Bunga, provisi, dan komisi yang dibayar (5,989,186) (5,306,174) Payments of interest, fees, and commissions

Penghasilan operasional lainnya yang diterima 758,451 572,213 Other operating income received

Transaksi mata uang asing Foreign exchange and derivatives

dan derivatif - bersih 483,738 (529,258) transactions - net

Beban operasional lainnya yang dibayar (6,133,803) (5,540,213) Other operating expense paid

Pendapatan/(beban) bukan operasional - bersih 37,172 191,431 Non operating income/(expense) - net

Arus kas sebelum perubahan dalam Cash flow before changes in

aset dan liabilitas operasi 7,223,915 5,771,111 operating assets and liabilities

Perubahan dalam aset dan liabilitas: Changes in assets and liabilities :

Penurunan/(kenaikan) aset: Decrease/(increase) in assets :

Efek-efek dan Obligasi Pemerintah Trading marketable securities

untuk tujuan diperdagangkan (2,183,858) 2,576,627 and Government Bonds

Efek-efek yang dibeli dengan janji dijual kembali 451,001 (810,564) Securities purchased under resale agreements

Kredit yang diberikan (5,650,015) (2,294,244) Loans

Tagihan akseptasi 1,435,549 (282,370) Acceptance receivables

Piutang pembiayaan konsumen dan sewa pembiayaan (618,632) 1,426,354 Consumer financing receivables and lease receivables

Aset lain-lain dan beban dibayar dimuka 2,208,680 (2,476,771) Other assets and prepaid expenses

Kenaikan/(penurunan) liabilitas: Increase/(decrease) in liabilities :

Simpanan nasabah (423,306) 5,007,680 Deposits from customers

Simpanan dari bank lain (140,255) (2,446,545) Deposits from other banks

Efek-efek yang dijual dengan janji dibeli kembali (7,305,124) (7,828,159) Securities sold under repurchase agreement

Liabilitas akseptasi (1,435,549) (28,136) Acceptance payables

Hutang pajak 30,833 10,039 Taxes payable

Liabilitas segera, beban yang masih harus Obligations due immediately, accruals and

dibayar, dan liabilitas lain-lain serta liabilitas other liabilities, and

imbalan kerja 545,902 1,388,049 employee benefit obligations

Pajak penghasilan yang dibayar selama

periode berjalan 31c (972,271) (1,015,965) Income tax paid during the period

Kas bersih yang digunakan untuk Net cash used in

aktivitas operasi (6,833,130) (1,002,894) operating activities

Arus kas dari aktivitas investasi Cash flow from investing activities

Hasil penjualan aset tetap 17 1,518 2,334 Proceeds from sale of fixed assets

Pembelian efek-efek dan obligasi Purchasing of available-for-sale

pemerintah - tersedia untuk dijual dan and held-to-maturity marketable

yang dimiliki hingga jatuh tempo (938,964) (10,969,374) securities and government bonds

Penjualan efek-efek dan obligasi Selling of available-for-sale

pemerintah - tersedia untuk dijual dan and held-to-maturity marketable

yang dimiliki hingga jatuh tempo 1,909,555 7,964,651 securities and government bonds

Pembelian aset tetap 17 (650,439) (312,519) Acquisition of fixed assets

Pembelian aset tidak berwujud 18 (20,707) (114,560) Acquisition of intangible assets

Kas bersih yang diperoleh dari/(digunakan untuk) Net cash provided by (used in)

aktivitas investasi 300,963 (3,429,468) investing activities

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Arus kas dari aktivitas pendanaan

Saham treasuri 2ai,34 (3,954) (18,972) Treasury shares

Efek-efek yang diterbitkan 2,000,000 1,021,000 Marketable securities issued

Pembayaran pokok dan bunga dari obligasi dan Payment of principal and interest from

efek-efek yang diterbitkan (1,239,842) (1,252,986) bonds and marketable securities issued

Penambahan atas

pinjaman yang diterima 2,224,498 203,355 Addition of borrowings

Pembayaran atas bunga dan pinjaman yang diterima (1,610,456) (4,704,011) Payment of interest and borrowings

Pembayaran dividen (696,485) (595,420) Dividend paid

Kas bersih yang diperoleh dari/(digunakan) untuk Net cash provided by (used in)

aktivitas pendanaan 673,761 (5,347,034) financing activities

Pengaruh perubahan kurs mata uang Effects on exchange rate differences

pada kas dan setara kas 54,180 906,528 in cash and cash equivalent

Penurunan bersih kas Net (decrease) in cash

dan setara kas (5,804,226) (8,872,868) and cash equivalent

Cash and cash equivalent

Kas dan setara kas pada awal periode 27,728,714 34,666,436 at beginning of the period

Kas dan setara kas pada akhir periode 21,924,488 25,793,568 Cash and cash equivalent at end of the period

Kas dan setara kas terdiri dari: 2e,4,5,6,7,8 Cash and cash equivalent consist of:

Kas 3,669,561 3,191,602 Cash

Giro pada Bank Indonesia 8,956,116 11,547,530 Current accounts with Bank Indonesia

Giro pada bank lain 2,439,868 3,342,711 Current accounts with other banks

Penempatan pada bank lain - jangka Placements with other banks

waktu jatuh tempo tiga bulan atau - mature within three months or less

kurang sejak tanggal perolehan 6,601,645 7,395,894 since acquisition date

Sertifikat Bank Indonesia dan Sertifikat Deposito Bank Indonesia Certificates and

Bank Indonesia - jangka waktu Bank Indonesia Certificates Deposits - mature

jatuh tempo tiga bulan atau kurang within three months or less since

sejak tanggal perolehan 257,298 315,831 acquisition date

Jumlah kas dan setara kas 21,924,488 25,793,568 Total cash and cash equivalents

Informasi tambahan arus kas: Supplemental cash flows information:

Aktivitas yang tidak mempengaruhi arus kas - - Activities not affecting cash flows

(13)

2018 Cash flow Amortisation of discount and premium Acquisition Foreign currency movement 2019

12 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/

Months Months Months Months Months Months

Rekonsiliasi liabilitas yang timbul Reconciliation of liabilities arising from

dari aktivitas pendanaan financing activities

Kas dan setara kas 27,728,714 (5,858,406) - - 54,180 21,924,488 Cash and cash equivalents Investasi likuid 257,218 974,457 - - - 1,231,675 Liquid investments Efek-efek yang diterbitkan (5,269,757) (1,234,000) (10,629) - - (6,514,386) Marketable securities issued Pinjaman yang diterima (2,195,916) (2,648,810) - - 1,825,039 (3,019,687) Borrowings Pinjaman subordinasi (1,742,417) - (1,283) - - (1,743,700) Subordinated loans Hutang bersih 18,777,842 (8,766,759) (11,912) - 1,879,219 11,878,390 Net debt

Arus kas/ Amortisasi diskonto dan premi/ Akuisisi/ Pergerakan valuta asing/

2017 Cash flow Amortisation of discount and premium Acquisition Foreign currency movement 2018

12 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/ 9 Bulan/

Months Months Months Months Months Months

Rekonsiliasi liabilitas yang timbul Reconciliation of liabilities arising from

dari aktivitas pendanaan financing activities

Kas dan setara kas 34,666,436 (11,035,894) - - 2,163,026 25,793,568 Cash and cash equivalents Investasi likuid 647,053 (519,831) - - 194 127,416 Liquid investments Efek-efek yang diterbitkan (5,403,613) - (219,577) - - (5,623,190) Marketable securities issued Pinjaman yang diterima (5,809,723) 1,768,651 - - 2,493,339 (1,547,733) Borrowings Pinjaman subordinasi (1,596,772) - (714) - - (1,597,486) Subordinated loans Hutang bersih 22,503,381 (9,787,074) (220,291) - 4,656,559 17,152,575 Net debt

Perubahan non kas/Non-cash changes