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Ikhtisar Keuangan
LAPORAN POSISI KEUANGAN
Dalam Jutaan Rupiah
| Uraian | 2014 | 2015 | 2016 | 2017 | 2018 | Pertumbuhan (%) 2017-2018 |
|---|---|---|---|---|---|---|
| Kas | 240.483 | 279.855 | 318.105 | 347.997 | 231.268 | -33,54% |
| Giro dan Penempatan pada Bank Indonesia | 3.365.913 | 4.769.138 | 3.814.178 | 4.015.626 | 5.830.333 | 45,19% |
| Giro dan Penempatan pada Bank Lain - Neto | 194.604 | 130.417 | 453.391 | 245.821 | 206.106 | -16,16% |
| Investasi Pada Surat Berharga - Neto | 667.851 | 2.181.054 | 4.706.065 | 7.411.068 | 9.098.114 | 22,76% |
| Piutang Murabahah - Neto | 9.858.575 | 9.780.350 | 10.500.533 | 10.457.017 | 11.370.876 | 8,74% |
| Piutang Istishna - Neto | 9.538 | 7.241 | 5.760 | 4.309 | 3.212 | -25,46% |
| Pinjaman Qardh - Neto | 573.172 | 387.535 | 293.119 | 524.101 | 364.360 | -30,48% |
| Pembiayaan Mudharabah - Neto | 876.311 | 1.106.566 | 1.271.485 | 840.974 | 475.300 | -43,48% |
| Pembiayaan Musyarakah - Neto | 4.005.308 | 4.962.346 | 5.185.890 | 5.447.998 | 7.406.955 | 35,96% |
| Aset yang Diperoleh Untuk Ijarah - Neto | 91.877 | 46.259 | 286.181 | 1.146.920 | 1.676.682 | 46,19% |
| Aset Tetap - Neto | 151.387 | 156.188 | 140.816 | 177.935 | 221.444 | 24,45% |
| Aset Pajak Tangguhan | 7.421 | 28.186 | 52.152 | 140.883 | 163.670 | 16,17% |
| Aset Lain-lain | 303.697 | 407.022 | 746.514 | 1.100.422 | 1.555.006 | 41,31% |
| PPAP Aset Lain-lain | (5.104) | (11.910) | (87.001) | (317.687) | (688.242) | 116,64% |
| Aset Lain-lain - Neto | 298.593 | 395.112 | 659.513 | 782.735 | 866.764 | 10,74% |
| TOTAL ASET | 20.341.033 | 24.230.247 | 27.687.188 | 31.543.384 | 37.915.084 | 20,20% |
| Liabilitas Segera | 49.254 | 48.237 | 86.911 | 86.752 | 110.734 | 27,64% |
| Bagi Hasil yang Belum Dibagikan | 43.846 | 34.776 | 34.991 | 35.683 | 57.896 | 62,25% |
| Simpanan | ||||||
| Giro Wadiah | 621.913 | 938.831 | 1.129.560 | 1.769.344 | 2.279.236 | 28,82% |
| Tabungan Wadiah | 3.298.659 | 3.715.929 | 4.176.761 | 4.749.652 | 5.601.811 | 17,94% |
| Total Simpanan | 3.920.572 | 4.654.760 | 5.306.321 | 6.518.996 | 7.881.047 | 20,89% |
| Simpanan Dari Bank Lain | 966.863 | 890.852 | 972.719 | 14.333 | 808.940 | 5.543,90% |
| Utang Pajak | 27.887 | 56.416 | 49.613 | 40.391 | 32.265 | -20,12% |
| Sukuk Mudharabah Subordinasi I | - | - | 1.000.000 | 1.000.000 | 1.000.000 | 0,00% |
| Estimasi Kerugian Komitmen dan Kontijensi | 398 | 1.242 | 895 | 2.134 | 1.221 | -42,78% |
| Estimasi Liabilitas Imbalan Kerja | - | - | - | 43.133 | 44.467 | 3,09% |
| Liabilitas Lain-Lain | 490.907 | 635.254 | 912.978 | 1.402.166 | 1.958.346 | 39,67% |
| Total Liabilitas | 5.599.727 | 6.421.537 | 8.464.428 | 9.100.455 | 11.894.916 | 30,09% |
| Giro Mudharabah | - | - | - | 139.535 | 293.264 | 110,17% |
| Tabungan Mudharabah | 373.816 | 696.198 | 983.121 | 1.270.484 | 1.659.109 | 30,59% |
| Deposito Mudharabah | 12.653.000 | 14.772.700 | 15.729.625 | 18.430.069 | 19.041.155 | 3,32% |
| Total Dana Syirkah Temporer | 13.026.816 | 15.468.898 | 16.712.746 | 19.840.088 | 20.993.528 | 5,81% |
| Modal Saham - Nilai Nominal Rp500 (Nilai Penuh) per Saham | ||||||
| Modal Dasar | 5.000.000 | 5.000.000 | 5.000.000 | 5.000.000 | 7.500.000 | 50,00% |
| Modal Belum Disetor | (3.021.000) | (3.021.000) | (3.021.000) | (3.021.000) | (2.641.943) | -12,55% |
| Modal Ditempatkan dan Disetor | 1.979.000 | 1.979.000 | 1.979.000 | 1.979.000 | 4.858.057 | 145,48% |
| Tambahan Modal Disetor | - | - | - | - | 517 | - |
| Pengukuran Kembali Program Imbalan Pasti - setelah pajak tangguhan | 9.037 | 11.722 | 11.715 | 3.451 | 3.965 | 14,89% |
| Opsi Saham | - | - | - | - | 4.493 | - |
| Cadangan Umum | - | - | - | 42.899 | 53.008 | 23,56% |
| Saldo Laba | 226.453 | 349.090 | 519.298 | 577.491 | 106.600 | -81,54% |
| Total Ekuitas | 1.714.490 | 2.339.812 | 2.510.013 | 2.602.841 | 5.026.640 | 93,12% |
| Total Liabilitas, Dana Syirkah Temporer dan Ekuitas | 20.341.033 | 24.230.247 | 27.687.188 | 31.543.384 | 37.915.084 | 20,20% |
LAPORAN LABA RUGI & PENGHASILAN KOMPREHENSIF LAIN
Dalam Jutaan Rupiah
| Uraian | 2014 | 2015 | 2016 | 2017 | 2018 | Pertumbuhan (%) 2017-2018 |
|---|---|---|---|---|---|---|
| Jumlah Pendapatan Pengelolaan Dana Oleh Bank Sebagai Mudharib | 2.056.602 | 2.424.752 | 2.634.201 | 2.816.524 | 3.120.307 | 10,79% |
| Hak Pihak Ketiga Atas Bagi Hasil Dana Syirkah Temporer | (994.824) | (1.027.442) | (1.035.501) | (1.193.918) | (1.317.100) | 10,32% |
| Hak Bagi Hasil Milik Bank | 1.061.778 | 1.397.310 | 1.598.700 | 1.622.606 | 1.803.207 | 11,13% |
| Pendapatan Operasional Lainnya | 83,454 | 130.460 | 127.967 | 149.003 | 174.182 | 16,90% |
| Jumlah Pendapatan | 1.145.232 | 1.527.770 | 1.726.667 | 1.771.609 | 1.977.389 | 11,62% |
| Jumlah Beban Operasional Lainnya | (1.074.783) | (1.137.438) | (1.168.424) | (1.178.743) | (1.200.619) | 1,86% |
| Beban (Pembalikan) CKPN - Neto | (65.570) | (231.353) | (319.011) | (453.372) | (619.297) | 36,60% |
| Laba Usaha | 4.879 | 158.979 | 239.232 | 139.494 | 157.473 | 12,89% |
| Pendapatan Non-Operasional - Neto | 5.499 | 10.090 | (623) | 11.463 | (5.959) | -151,98% |
| Laba Sebelum Beban Pajak | 10,378 | 169.069 | 238.609 | 150.957 | 151.514 | 0,37% |
| Beban Pajak Penghasilan | (7.556) | (46.432) | (68.400) | (49.866) | (44.914) | -9,93% |
| Laba Bersih | 2.822 | 122.637 | 170.209 | 101.091 | 106.600 | 5,45% |
| Laba yang dapat Diatribusikan kepada Pemilik Entitas Induk | 2.822 | 122.637 | 170.209 | 101.091 | 106.600 | 5,45% |
| Laba yang dapat Diatribusikan kepada Kepentingan Non Pengendali | - | - | - | - | - | - |
| Jumlah Pendapatan Komprehensif Lain Bersih Setelah Pajak | 320 | 2.685 | (7) | (8.263) | 514 | 106% |
| Jumlah Laba Komprehensif Tahun Berjalan | 3.142 | 125.322 | 170.202 | 92.828 | 107.114 | 15,39% |
| Laba Per Saham Dasar (dalam Rupiah Penuh) | 0,95 | 36,34 | 43,00 | 25,54 | 12,81 | |
| Laba Per Saham Dilusian (dalam Rupiah Penuh) | 0,95 | 36,34 | 43,00 | 25,54 | 10,09 |
LAPORAN ARUS KAS
Dalam Jutaan Rupiah
| Uraian | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| Arus Kas Aktivitas Operasi | 1.258.902 | 2.496.959 | 652.133 | 3.993.431 | 644.983 |
| Arus Kas Aktivitas Investasi | (541.651) | (1.562.904) | (2.545.869) | (2.769.661) | (1.748.912) |
| Arus Kas Aktivitas Pendanaan | - | 500.000 | 1.000.000 | (100.000) | 2.312.192 |
| Kenaikan bersih | 717.251 | 1.434.055 | (893.736) | 1.123.770 | 1.208.263 |
| Kas & Setara Kas Awal Tahun | 1.978.104 | 2.695.355 | 4.129.410 | 3.235.674 | 4.359.444 |
| Kas & Setara Kas Akhir Tahun | 2.695.355 | 4.129.410 | 3.235.674 | 4.359.444 | 5.567.707 |
RASIO KEUANGAN PENTING (%)
| Uraian | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| CAR (Capital Adequacy Ratio) | 12,89% | 13,94% | 20,63% | 20,05% | 29,72% |
| BOPO (Biaya Operasional Pengeluaran Operasional) | 99,77% | 93,79% | 91,33% | 95,34% | 95,32% |
| CER (Cost Efficiency Ratio) | 93,18% | 73,99% | 67,08% | 65,77% | 59,71% |
| FDR (Financing to Deposit Ratio) | 93,90% | 84,16% | 81,42% | 71,87% | 75,49% |
| NIM (Net Income Margin) | 6,04% | 6,38% | 6,37% | 5,84% | 5,36% |
| ROA (Return on Assets) | 0,08% | 0,77% | 0,95% | 0,51% | 0,43% |
| ROE (Return on Equity) | 0,44% | 6,33% | 7,40% | 4,10% | 2,49% |
| NPF - Neto | 3,65% | 3,89% | 3,19% | 4,75% | 4,97% |
Temukan Kami :
© Hak Cipta 2017, PT. Bank BRIsyariah, Tbk.
BRIsyariah terdaftar dan diawasi oleh Otoritas Jasa Keuangan.
BRIsyariah terdaftar dan diawasi oleh Otoritas Jasa Keuangan.