[4510000] Statement of cash flows, direct method - Financial and Sharia Industry

Laporan arus kas			Statement of cash flows
	31 December 2020	31 December 2019
Arus kas dari aktivitas operasi			Cash flows from operating activities
Arus kas sebelum perubahan dalam aset dan liabilitas operasi			Cash flows before changes in operating assets and liabilities
Penerimaan bunga, hasil investasi, provisi, dan komisi	402,572	354,027	Interest, investment income, fees and commissions received
Pembayaran bunga dan bonus, provisi dan komisi	( 257,210 )	( 198,843 )	Payments Of Interest And Bonus Fees And Commissions
Bunga bank dan deposito berjangka			Interest from banks and time deposits
Penerimaan pendapatan pengelolaan dana sebagai mudharib			Revenue receipts from fund management as mudharib
Pembayaran bagi hasil dana syirkah temporer			Payments of temporary syirkah funds
Penerimaan premi asuransi			Receipts from insurance premiums
Penerimaan klaim reasuransi			Receipts from reinsurance claims
Penerimaan (pembayaran) komisi			Receipts (payments) of commission
Penerimaan klaim retrosesi			Receipts from retrocession claims
Penerimaan dari ujrah			Receipts of ujrah
Penerimaan dari (pembayaran kepada) lembaga kliring dan penjaminan			Receipts from (payments to) clearing and guarantee institution
Penerimaan dari (pembayaran kepada) nasabah			Receipts from (payments to) customers
Pencairan (penempatan) deposito pada lembaga kliring dan penjaminan			Withdrawal (placement) of deposits to clearing and guarantee institution
Pendapatan dari transaksi operasional lainnya	72,279	20,131	Income from other operating transactions
Penerimaan kembali aset yang telah dihapusbukukan			Recoveries of written off assets
Pembayaran biaya akuisisi ditangguhkan			Payments for deferred acquisition costs
Pembayaran atas beban keuangan dan beban administrasi bank			Payments of finance costs and bank administration charges
Pembayaran gaji dan tunjangan	( 79,216 )	( 71,712 )	Payments for salaries and allowances
Laba (rugi) selisih kurs			Foreign currency gains (losses)
Penerimaan pengembalian (pembayaran) pajak penghasilan	( 2,614 )	( 7,466 )	Refunds (payments) of income tax
Pembayaran beban operasional lainnya	( 45,690 )	( 51,984 )	Payments for other operating expenses
Penerimaan pendapatan non-operasional			Receipts from non-operating income
Pengembalian (penempatan) uang jaminan			Repayment (placement) of refundable deposits
Penerimaan (pengeluaran) kas lainnya dari aktivitas operasi			Other cash inflows (outflows) from operating activities
Penurunan (kenaikan) aset operasi			Decrease (increase) in operating assets
Penurunan (kenaikan) penempatan pada bank lain dan bank indonesia			Decrease (increase) in placements with other banks and bank indonesia
Penurunan (kenaikan) efek yang diperdagangkan			Decrease (increase) in marketable securities
Penurunan (kenaikan) efek yang dibeli dengan janji dijual kembali	( 456,811 )	( 254,878 )	Decrease (increase) in securities purchased under resale agreements
Penurunan (kenaikan) investasi pemegang polis pada kontrak unit-linked			Decrease (increase) in investment of policyholder in unit-linked contracts
Penurunan (kenaikan) wesel ekspor dan tagihan lainnya			Decrease (increase) in bills and other receivables
Penurunan (kenaikan) tagihan akseptasi			Decrease (increase) in acceptance receivables
Penurunan (kenaikan) pinjaman yang diberikan	( 487,572 )	( 762,139 )	Decrease (increase) in loans
Penurunan (kenaikan) piutang pembiayaan konsumen			Decrease (increase) in consumer financing receivables
Penurunan (kenaikan) investasi sewa			Decrease (increase) in lease investments
Penurunan (kenaikan) tagihan anjak piutang			Decrease (increase) in factoring
Penurunan (kenaikan) piutang dan pembiayaan syariah			Decrease (increase) in sharia financing and receivables
Penurunan (kenaikan) piutang murabahah			Decrease (increase) in murabahah receivables
Penurunan (kenaikan) piutang istishna			Decrease (increase) in istishna receivables
Penurunan (kenaikan) piutang ijarah			Decrease (increase) in ijarah receivables
Penurunan (kenaikan) pinjaman qardh			Decrease (increase) in qardh funds
Penurunan (kenaikan) pembiayaan mudharabah			Decrease (increase) in mudharabah financing
Penurunan (kenaikan) pembiayaan musyarakah			Decrease (increase) in musyarakah financing
Penurunan (kenaikan) aset ijarah			Decrease (increase) in ijarah assets
Penurunan (kenaikan) piutang lainnya			Decrease (increase) in other receivables
Penurunan (kenaikan) agunan yang diambil alih			Decrease (increase) in foreclosed assets
Penurunan (kenaikan) tagihan derivatif			Decrease (increase) in derivative receivables
Penurunan (kenaikan) aset reasuransi			Decrease (increase) in reinsurance assets
Penurunan (kenaikan) aset lainnya	3,379	( 7,286 )	Decrease (increase) in other assets
Kenaikan (penurunan) liabilitas operasi			Increase (decrease) in operating liabilities
Kenaikan (penurunan) liabilitas segera	2,217	455	Increase (decrease) in obligations due immediately
Kenaikan (penurunan) giro dan tabungan simpanan nasabah	3,101,778	1,463,530	Increase (decrease) in current accounts and customers savings
Kenaikan (penurunan) deposito berjangka nasabah			Increase (decrease) in customers time deposits
Kenaikan (penurunan) giro wadiah simpanan nasabah			Increase (decrease) in customers wadiah demand deposits
Kenaikan (penurunan) tabungan wadiah simpanan nasabah			Increase (decrease) in customers wadiah saving deposits
Kenaikan (penurunan) deposito wakalah simpanan nasabah			Increase (decrease) in customers wakalah deposits
Kenaikan (penurunan) simpanan dari bank lain	8,573	( 71,588 )	Increase (decrease) in other banks saving deposits
Kenaikan (penurunan) giro mudharabah			Increase (decrease) in mudharabah current account
Kenaikan (penurunan) tabungan mudharabah			Increase (decrease) in mudharabah savings deposits
Kenaikan (penurunan) efek yang dijual dengan janji dibeli kembali			Increase (decrease) in securities sold under repurchase agreement
Kenaikan (penurunan) liabilitas akseptasi			Increase (decrease) in acceptance payables
Kenaikan (penurunan) liabilitas pemegang polis pada kontrak unit-linked			Increase (decrease) in liabilities to policyholder on unit-linked contracts
Kenaikan (penurunan) liabilitas derivatif			Increase (decrease) in derivative payables
Kenaikan (penurunan) dana syirkah temporer			Increase (decrease) in temporary syirkah funds
Kenaikan (penurunan) liabilitas lainnya	7,771	2,853	Increase (decrease) in other liabilities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas operasi	2,269,456	415,100	Total net cash flows received from (used in) operating activities
Arus kas dari aktivitas investasi			Cash flows from investing activities
Penerimaan dari penyertaan saham dalam klasifikasi dimiliki hingga jatuh tempo dan tersedia untuk dijual			Proceeds from equity investments classified as held-to-maturity and available-for-sale
Pencairan (penempatan) obligasi dan (atau) sukuk	( 3,162,121 )	( 424,372 )	Withdrawal (placement) of bonds and (or) sukuk
Penerimaan dividen dari aktivitas investasi			Dividends received from investing activities
Penerimaan dari penjualan (perolehan) properti investasi			Proceeds from disposal (acquisition) of investment properties
Penerimaan dari penjualan (perolehan) aset tetap	( 35,289 )	( 9,326 )	Proceeds from disposal (acquisition) of property and equipment
Penerimaan dari penjualan (perolehan) aset takberwujud selain goodwill			Proceeds from disposal (acquisition) of intangible assets other than goodwill
Penerimaan dari (pembayaran kepada) pinjaman polis			Receipts from (payments for) policy loans
Pembayaran untuk perolehan entitas anak			Payments for acquisition of subsidiaries
Penerimaan dari pelepasan entitas anak			Proceeds from sales of subsidiaries
Pembayaran untuk perolehan tambahan kepemilikan pada entitas anak			Payments for acquisition of additional interests in subsidiaries
Pencairan (penempatan) efek-efek yang diperdagangkan	1,972,485	30,000	Withdrawal (placement) of marketable securities
Penerimaan dari pelepasan kepentingan di entitas anak tanpa hilangnya pengendalian dari kegiatan investasi			Proceeds from sales of interests in subsidiaries without loss of control from investing activities
Pembayaran untuk perolehan kepemilikan pada entitas asosiasi			Payments for acquisition of interests in associates
Penerimaan dari pelepasan kepemilikan pada entitas asosiasi			Proceeds from sales of interests in associates
Penerimaan (pengeluaran) kas lainnya dari aktivitas investasi			Other cash inflows (outflows) from investing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas investasi	( 1,224,925 )	( 403,698 )	Total net cash flows received from (used in) investing activities
Arus kas dari aktivitas pendanaan			Cash flows from financing activities
Kenaikan (penurunan) efek yang diterbitkan			Increase (decrease) in securities issued
Penerbitan sukuk mudhrabah			Issuance of mudharabah sukuk
Penempatan sertifikat investasi mudharabah			Placement of certificate of mudharabah investments
Biaya emisi sukuk mudharabah			Issuance cost of mudharabah sukuk
Penerimaan pinjaman yang diterima			Proceeds from borrowings
Pembayaran pinjaman yang diterima			Payments for borrowings
Penerimaan pinjaman subordinasi			Proceeds from subordinated loans
Pembayaran pinjaman subordinasi			Payments of subordinated loans
Pembayaran bunga pinjaman			Payments of interests from borrowings
Penerimaan dari penerbitan obligasi			Proceeds from bonds issuance
Pembayaran utang obligasi			Payments of bonds payable
Pembayaran biaya emisi penerbitan obligasi			Payments of bonds issuance costs
Obligasi subordinasi yang diterbitkan			Subordinated bonds issued
Pembayaran obligasi subordinasi			Payments of subordinated bonds
Biaya emisi obligasi subordinasi yang diterbitkan			Subordinated bonds issuance costs
Penerimaan dari penerbitan saham baru			Proceeds from issuance of new stocks
Pembayaran biaya emisi saham			Payments of stock issuance costs
Penerimaan setoran modal			Proceeds from capital contributions
Penjualan (pembelian) dari saham tresuri			Sales (purchase) of treasury stocks
Penerimaan dari program opsi saham karyawan			Proceeds from employee stock options program
Penyelesaian (penempatan) transaksi derivatif			Settlement (placement) of derivative transactions
Pembayaran dividen dari aktivitas pendanaan			Dividends paid from financing activities
Penerimaan (pengeluaran) kas lainnya dari aktivitas pendanaan	( 16,409 )		Other cash inflows (outflows) from financing activities
Jumlah arus kas bersih yang diperoleh dari (digunakan untuk) aktivitas pendanaan	( 16,409 )		Total net cash flows received from (used in) financing activities
Jumlah kenaikan (penurunan) bersih kas dan setara kas	1,028,122	11,402	Total net increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, awal periode	1,063,997	1,052,595	Cash and cash equivalents cash flows, beginning of the period
Efek perubahan nilai kurs pada kas dan setara kas			Effect of exchange rate changes on cash and cash equivalents
Kenaikan (penurunan) kas dan setara kas lainnya			Other increase (decrease) in cash and cash equivalents
Kas dan setara kas arus kas, akhir periode	2,092,119	1,063,997	Cash and cash equivalents cash flows, end of the period