Laporan Tahunan 2021

PT BANK SYARIAH INDONESIA Tbk (d/h /previously PT Bank BRISyariah Tbk) CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2021 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2021 (Expressed in millions of Rupiah, unless otherwise stated) Halaman - 150 - Page 46. INFORMASI SEGMEN (lanjutan) 46. SEGMENT INFORMATION (continued) Berikut ini adalah informasi segmen Bank berdasarkan segmen operasi: Information concerning the operating segments of the Bank are as follows: 2021 Konsumer/ Mikro/ Lainnya/ Jumlah/ Keterangan Wholesale SME Consumer Micro Others Total Descriptions Revenue from fund Pendapatan pengelolaan dana management sebagai mudharib 3,074,844 1,673,544 8,073,157 1,947,104 3,039,783 17,808,432 as mudharib Hak pihak ketiga atas bagi hasil (165,819) (373,137) (1,848,120) (10,576) (1,981,155) (4,378,807) Third parties' share on return Hak bagi hasil milik Bank 2,909,025 1,300,407 6,225,037 1,936,528 1,058,628 13,429,625 Bank's share in profit sharing Pendapatan (beban) usaha Other operating income lainnya 520,101 283,075 1,365,552 329,347 514,171 3,012,246 (expenses) Beban usaha (1,516,453) (825,360) (3,981,525) (960,273) (1,499,162) (8,782,773) Operating expenses Beban cadangan kerugian penurunan Provision for impairment nilai aset produktif dan non- losses on earning and produktif bersih (1,556,506) (740,589) (1,085,395) (168,759) - (3,551,249) non-earning assets - net Total beban (3,072,959) (1,565,949) (5,066,920) (1,129,032) (1,499,162) (12,334,022) Total expenses Pendapatan / (Beban) Non-operating income / non-operasional (7,880) (4,289) (20,691) (4,990) (7,791) (45,641) (expenses) Laba sebelum zakat dan beban 348,287 13,244 2,502,978 1,131,853 65,846 4,062,208 Income before zakat and pajak penghasilan income tax expenses Zakat (8,718) (332) (62,654) (28,332) (1,648) (101,684) Zakat Beban pajak (79,935) (3,040) (574,460) (259,772) (15,112) (932,319) Tax expense Laba tahun berjalan 259,634 9,872 1,865,864 843,749 49,086 3,028,205 Net income 2021 Konsumer/ Mikro/ Lainnya/ Jumlah/ Keterangan Wholesale SME Consumer Micro Others Total Descriptions Aset segmen Segment of assets Piutang, pinjaman qardh, Receivables, funds of qardh, pembiayaan, dan aset yang financing and assets diperoleh untuk ijarah - bersih 45,183,228 17,312,925 85,749,598 15,569,634 - 163,815,385 acquired for ijarah - net Non-piutang, pinjaman qardh Non-receivables, funds of dan pembiayaan - - - - 101,473,696 101,473,696 qardh and financing 45,183,228 17,312,925 85,749,598 15,569,634 101,473,696 265,289,081 Segment of liabilities, Liabilitas, dana syirkah temporer temporary syirkah funds dan ekuitas segmen and equity Pendanaan 12,807,174 7,199,056 35,656,377 1,467,512 177,247,380 234,377,499 Funding Non-pendanaan - - - - 30,911,582 30,911,582 Non-funding 12,807,174 7,199,056 35,656,377 1,467,512 208,158,962 265,289,081 2020 *) Konsumer/ Mikro/ Lainnya/ Jumlah/ Keterangan Wholesale SME Consumer Micro Others Total Descriptions Revenue from fund Pendapatan pengelolaan dana management sebagai mudharib 3,323,073 2,357,900 6,513,668 1,775,873 2,959,078 16,929,592 as mudharib Hak pihak ketiga atas bagi hasil (982,274) (696,977) (1,925,389) (524,934) (874,680) (5,004,254) Third parties' share on return Hak bagi hasil milik Bank 2,340,799 1,660,923 4,588,279 1,250,939 2,084,398 11,925,338 Bank's share in profit sharing Pendapatan usaha lainnya 545,033 386,730 1,068,337 291,269 485,332 2,776,701 Other operating income Beban usaha (1,561,514) (1,107,979) (3,060,777) (834,484) (1,390,473) (7,955,227) Operating expenses Beban cadangan kerugian penurunan Provision for impairment nilai aset produktif dan non- losses on earning and produktif bersih (1,077,840) (579,841) (1,633,548) (329,217) - (3,620,446) non-earning assets - net Total beban (2,639,354) (1,687,820) (4,694,325) (1,163,701) (1,390,473) (11,575,673) Total expenses Pendapatan / (beban) Non-operating income / non-operasional (9,219) (6,541) (18,071) (4,927) (8,209) (46,967) (expenses) Laba sebelum zakat dan beban Income before zakat and pajak penghasilan 237,258 353,293 944,220 373,580 1,171,048 3,079,399 income tax expenses Zakat (5,717) (8,513) (22,752) (9,002) (28,218) (74,202) Zakat Beban pajak (62,990) (93,795) (250,681 ) (99,182) (310,900) (817,548) Tax expense Laba tahun berjalan 168,551 250,985 670,787 265,396 831,930 2,187,649 Net income *) Disajikan kembali, lihat Catatan 53 *) Restated, see Note 53