PT BANK SYARIAH INDONESIA Tbk CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2022 (Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain) NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2022 (Expressed in millions of Rupiah, unless otherwise stated) Halaman - 144 - 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: 31 Desember/December 2022 Keterangan Corporate Banking Commercial Banking Hubungan Kelembagaan/ Institutional Relation Retail Banking Treasury Banking & Kantor Pusat/ Treasury Banking & Head Office Penyesuaian & Eliminasi/ Adjustment & Elimination**) Jumlah/ Total Descriptions Revenue from fund Pendapatan pengelolaan dana management sebagai mudharib*) 3,028,731 995,601 2,770,467 19,841,444 2,180,414 (9,193,792) 19,622,865 as mudharib*) Hak pihak ketiga atas bagi hasil*) (1,929,202) (575,465) (2,272,436) (8,899,486) (134,359) 9,778,779 (4,032,169) Third parties' share on return*) Hak bagi hasil milik Bank 1,099,529 420,136 498,031 10,941,958 2,046,055 584,987 15,590,696 Bank's share in profit sharing Pendapatan usaha lainnya 235,198 25,350 - 686,723 2,753,840 - 3,701,111 Other operating income Beban usaha (96,186) (106,097) (67,091) (4,606,877) (5,019,085) - (9,895,336) Operating expenses Beban cadangan kerugian penurunan Provision for impairment nilai aset produktif dan non- losses on earning and produktif bersih (500,333) (407,703) - (2,112,972) (727,789) - (3,748,797) non-earning assets - net Total beban (596,519) (513,800) (67,091) (6,719,849) (5,746,874) - (13,644,133) Total expenses Pendapatan non-operasional - - - - 8,534 - 8,534 Non-operating income Laba sebelum zakat dan beban Income before zakat and pajak penghasilan 738,208 (68,314) 430,940 4,908,832 (938,445) 584,987 5,656,208 income tax expenses Zakat (17,175) - (10,026) (114,204) - - (141,405) Zakat Beban pajak (152,381) - (88,955) (1,013,285) - - (1,254,621) Tax expense Laba bersih 568,652 (68,314) 331,959 3,781,343 (938,445) 584,987 4,260,182 Net income Aset segmen Segment of assets Pembiayaan Wholesale 46,139,198 11,044,987 - - - - 57,184,185 Wholesale Financing Pembiayaan Ritel Retail FInancing SME - - - 18,904,947 - - 18,904,947 SME Mikro - - - 18,740,411 - - 18,740,411 Micro Konsumer***) - - - 112,875,313 - - 112,875,313 Consumer***) Cadangan kerugian penurunan Provision for impairment Nilai pembiayaan (4,060,934) (1,064,139) - (4,226,235) 152,920 - (9,198,388) losses for financing Non pembiayaan - bersih 859,122 - - - 106,361,848 - 107,220,970 Non financing - net 42,937,386 9,980,848 - 146,294,436 106,514,768 - 305,727,438 Segment of liabilities, Liabilitas, dana syirkah temporer temporary syirkah funds dan ekuitas segmen and equity Pendanaan 10,197,506 4,543,448 77,370,904 170,456,759 4,228,374 - 266,796,991 Funding Non-pendanaan - - - - 38,930,447 - 38,930,447 Non-funding 10,197,506 4,543,448 77,370,904 170,456,759 43,158,821 - 305,727,438 31 Desember/December 2021 Keterangan Corporate Banking Commercial Banking Hubungan Kelembagaan/ Institutional Relation Retail Banking Treasury Banking & Kantor Pusat/ Treasury Banking & Head Office Penyesuaian & Eliminasi/ Adjustment & Elimination**) Jumlah/ Total Descriptions Revenue from fund Pendapatan pengelolaan dana management sebagai mudharib*) 2,808,091 951,158 2,691,166 18,578,835 1,799,790 (9,020,608) 17,808,432 as mudharib*) Hak pihak ketiga atas bagi hasil*) (2,161,852) (655,636) (2,220,079) (9,411,079) (14,583) 10,084,422 (4,378,807) Third parties' share on return*) Hak bagi hasil milik Bank 646,239 295,522 471,087 9,167,756 1,785,207 1,063,814 13,429,625 Bank's share in profit sharing Pendapatan usaha lainnya 155,853 15,094 - 423,230 2,418,069 - 3,012,246 Other operating income Beban usaha (98,426) (36,481) (75,559) (4,709,241) (3,863,066) - (8,782,773) Operating expenses Beban cadangan kerugian penurunan Provision for impairment nilai aset produktif dan non- losses on earning and produktif bersih (866,975) (114,814) - (1,710,027) (859,433) - (3,551,249) non-earning assets - net Total beban (965,401) (151,295) (75,559) (6,419,268) (4,722,499) - (12,334,022) Total expenses Pendapatan non-operasional - - - - 45,641 - 45,641 Non-operating income Laba sebelum zakat dan beban Income before zakat and pajak penghasilan (163,309) 159,321 395,528 3,171,718 (564,864) 1,063,814 4,062,208 income tax expenses Zakat - (3,983) (9,888) (79,293) - (8,520) (101,684) Zakat Beban pajak - (38,834) (96,410) (773,106) - (23,969) (932,319) Tax expense Laba bersih (163,309) 116,504 289,230 2,319,319 (564,864) 1,031,325 3,028,205 Net income Aset segmen Segment of assets Pembiayaan Wholesale 38,946,234 10,434,016 - - - - 49,380,250 Wholesale Financing Pembiayaan Ritel Retail FInancing SME - - - 18,330,923 - - 18,330,923 SME Mikro - - - 16,275,013 - - 16,275,013 Micro Konsumer***) - - - 87,304,972 - - 87,304,972 Consumer****) Cadangan kerugian penurunan Provision for impairment nilai pembiayaan (3,323,040) (610,220) - (3,278,752) (263,761) - (7,475,773) losses for financing Non pembiayaan - bersih 723,294 - - - 100,750,402 - 101,473,696 Non financing - net 36,346,488 9,823,796 - 118,632,156 100,486,641 - 265,289,081 Segment of liabilities, Liabilitas, dana syirkah temporer temporary syirkah funds dan ekuitas segmen and equity Pendanaan 5,732,478 7,074,696 70,662,382 150,907,943 1,375,000 - 235,752,499 Funding Non-pendanaan - - - - 29,536,582 - 29,536,582 Non-funding 5,732,478 7,074,696 70,662,382 150,907,943 30,911,582 - 265,289,081 *) Termasuk komponen internal transfer pricing antar segmen operasi *) Include component of internal transfer pricing among operating segments **) Termasuk eliminasi komponen internal transfer pricing **) Include elimination of internal transfer pricing components ***) Termasuk segmen pawning dan hasanah card ***) Include pawning and hasanah card segment Include pawning an
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