NO

PASIVA

1 Kewajiban Segera
2 Tabungan Wadiah
3 Dana Investasi
- Tabungan Mudharabah
- Deposito Mudharabah
4 Kewajiban Kepada Bank Indonesia
5 Kewajiban Kepada Bank Lain
6 Kewajiban Lainnya
7 Pembiayaan/Pinjaman Yang Diterima
8 Pembiayaan/Investasi Subordinasi
9 Rupa-Rupa Pasiva
10 Modal Pinjaman
11 Modal Disetor
- Modal Dasar
- Modal yang belum disetor
12 Tambahan Modal Disetor
- Agio
- Disagio
- Modal Sumbangan
- Dana Setoran Modal
13 Selisih Penilaian Kembali Aktiva Tetap
14 Cadangan
- Cadangan Umum
- Cadangan Tujuan
15 Laba Ditahan
16 Laba Rugi
- Tahun Lalu
Laba
Rugi
- Tahun Berjalan
Laba
Rugi
TOTAL PASIVA

I
400,000,000
50,000,000
350,000,000
2,000,000,000
8,000,000,000
6,000,000,000

II
750,000,000
100,000,000
700,000,000

###
150,000,000
1,050,000,000

###
200,000,000
1,400,000,000

###
250,000,000
1,750,000,000

Tahun Pertama
VI
VII
###
###
300,000,000
350,000,000
2,100,000,000
2,450,000,000

IX
### 3,200,000,000
400,000,000
450,000,000
2,800,000,000
3,150,000,000

X
3,550,000,000
500,000,000
3,500,000,000

XI
3,900,000,000
550,000,000
3,850,000,000

XII
4,250,000,000
600,000,000
4,200,000,000

2,000,000,000
8,000,000,000
6,000,000,000

###
8,000,000,000
6,000,000,000

###
8,000,000,000
6,000,000,000

###
8,000,000,000
6,000,000,000

###
8,000,000,000
6,000,000,000

### 2,000,000,000
8,000,000,000
8,000,000,000
6,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

(63,663,173)
63,663,173
2,336,336,827

(70,051,702)
6,388,529
2,679,948,298

III

IV

(74,675,275)
4,623,573
###

(77,817,603)
3,142,328
###

(79,483,996)
1,666,392
###

(79,677,304)
193,308
###

###
8,000,000,000
6,000,000,000

(78,399,659)
(1,277,645)
###

VIII

II
5,150,000,000
800,000,000
5,100,000,000

III
5,600,000,000
900,000,000
5,550,000,000

IV
6,050,000,000
1,000,000,000
6,000,000,000

V
6,500,000,000
1,100,000,000
6,450,000,000

Tahun Kedua
VI
VII
6,950,000,000 7,400,000,000
1,200,000,000
1,300,000,000
6,900,000,000
7,350,000,000

VIII
7,850,000,000
1,400,000,000
7,800,000,000

IX
8,300,000,000
1,500,000,000
8,250,000,000

X
8,750,000,000
1,600,000,000
8,700,000,000

XI
9,200,000,000
1,700,000,000
9,150,000,000

XII
9,650,000,000
1,800,000,000
9,600,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

I
4,700,000,000
700,000,000
4,650,000,000
-

(64,967,320)
(52,275,420)
(38,127,716)
(21,889,316)
(3,548,368)
16,903,980
39,476,652
42,177,996
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(72,123,043)
(97,671,049)
(93,566,235)
(87,884,804)
(80,736,662)
(72,123,043)
7,155,723
19,847,624
33,995,328
50,233,727
68,574,675
89,027,023
111,599,696
114,301,039
7,148,142
8,613,618
7,155,723
12,691,900
14,147,704
16,238,400
18,340,948
20,452,348
22,572,672
19,271,390
(4,104,814)
(5,681,432)
(2,701,344)
### 5,106,433,765 5,462,115,196 5,819,263,338 6,177,876,957 6,707,155,723 7,169,847,624 7,633,995,328 8,100,233,727 8,568,574,675 9,039,027,023 9,511,599,696 9,964,301,039

68,798,787
(72,123,043)
(72,123,043)
140,921,830
26,620,791
###

97,675,591
(72,123,043)
(72,123,043)
169,798,635
28,876,804
###

128,709,741
(72,123,043)
(72,123,043)
200,832,784
31,034,150
###

161,909,914
(72,123,043)
(72,123,043)
234,032,958
33,200,174
###

Tahun Ketiga
II
III
IV
V
VI
VII
VIII
IX
X
###
###
###
###
###
###
###
###
###
###
1,925,000,000
2,050,000,000
2,175,000,000
2,300,000,000
2,425,000,000
2,550,000,000
2,675,000,000
2,800,000,000
2,925,000,000
3,050,000,000
10,150,000,000
10,700,000,000
11,250,000,000
11,800,000,000
12,350,000,000
12,900,000,000
13,450,000,000
14,000,000,000
14,550,000,000
15,100,000,000
2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000 2,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
8,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
6,000,000,000
I

194,389,911
161,909,914
161,909,914
32,479,997
32,479,997
###

230,708,595
161,909,914
161,909,914
68,798,681
36,318,684
###

271,593,212
161,909,914
161,909,914
109,683,298
40,884,617
###

315,125,002
161,909,914
161,909,914
153,215,088
43,531,790
###

361,305,964
161,909,914
161,909,914
199,396,050
46,180,962
###

410,147,688
161,909,914
161,909,914
248,237,773
48,841,724
###

461,661,849
161,909,914
161,909,914
299,751,935
51,514,162
###

493,871,862
161,909,914
161,909,914
331,961,948
32,210,013
###

550,552,493
161,909,914
161,909,914
388,642,578
56,680,631
###

610,048,946
161,909,914
161,909,914
448,139,031
59,496,453
###

XI
###
3,175,000,000
15,650,000,000

XII
###
3,300,000,000
16,200,000,000

2,000,000,000
8,000,000,000
6,000,000,000

2,000,000,000
8,000,000,000
6,000,000,000

672,265,289
161,909,914
161,909,914
510,355,375
62,216,343
###

737,212,864
161,909,914
161,909,914
575,302,950
64,947,575
###

IV.

V.
VI.
VII.

VIII.

IX.
X.
XI.
XII.
XIII.
XIV.
XV.

Beban Operasional
A.
Beban Bonus Titipan Wadiah
1.
Pihak Ketiga Bukan Bank
2.
Bank - Bank Lain
B.
Premi
1.
Premi dalam rangka Penjaminan Pihak Ketiga
2.
Premi Asuransi
C.
Tenaga Kerja
1.
Gaji dan Upah
2.
Honorarium Komisaris/DPS/Konsultan
3.
Lainnya
D.
Pendidikan dan Pelatihan
E.
Penelitian dan Pengembangan
F.
Sewa
G.
Promosi
H.
Pajak - Pajak (tidak termasuk PPh)
I.
Pemeliharaan dan Perbaikan Aktiva Tetap dan Inventaris
J.
Penyusutan/Penyisihan/amortisasi
1.
Penyusutan Aktiva Tetap dan Inventaris
2.
Penyusutan Aktiva Ijarah
3.
Penyisihan Penempatan Dana Antarbank
4.
Penyisihan Piutang
a.
Piutang Murabahah
b.
Piutang Salam
c.
Piutang Istishna
d.
Qordh
e.
Piutang Transaksi Multijasa
5.
Penyisihan Pembiayaan
a.
Pembiayaan Mudharabah
b.
Pembiayaan Musyarakah
6.
Penyisihan Agunan yang Diambil Alih
7.
Amortisasi Biaya yang Ditangguhkan
8.
Lainnya
Laba Operasional (III - IV)
Rugi Operasional (IV - III)
Pendapatan Non Operasional
A.
Keuntungan karena Penjualan Aktiva Tetap dan Inventaris
B.
Keuntungan Penjualan Aktiva Tetap
C.
Pendapatan sebagai Pedagang Valuta Asing
D.
Lainnya
Beban Non Operasional
A.
Kerugian karena Penjualan/Kehilangan Aktiva Tetap dan Inventaris
B.
Kerugian Penjualan Aktiva Ijarah
C.
Biaya sebagai Pedagang Valuta Asing
D.
Denda - Denda / Sanksi - Sanksi
E.
Lainnya
Laba Non Operasional (VII - VIII)
Rugi Non Operasional (VIII - VII)
Laba Tahun Berjalan
Rugi Tahun Berjalan
Zakat
Taksiran Pajak Penghasilan
A.
Jumlah Laba
B
Jumlah Rugi

87,415,278
22,000,000
18,000,000
4,000,000
1,500,000
3,125,000
2,500,000
250,000
58,040,278
3,125,000
7,665,278

28,561,634
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,478,300
2,083,333
19,967

28,284,085
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,200,752
2,083,333
(257,581)

28,282,667
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,333
2,083,333
(259,000)

28,282,640
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,307
2,083,333
(259,027)

28,282,626
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,293
2,083,333
(259,041)

28,282,615
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,282
2,083,333
(259,051)

1,750,000
125,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

250,000
125,000
45,000,000
63,663,173
-

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

6,388,529
-

4,623,573
-

3,142,328
-

1,666,392
-

193,308
-

7,148,142
-

63,663,173
63,663,173

6,388,529
6,388,529

4,623,573
4,623,573

3,142,328
3,142,328

1,666,392
1,666,392

193,308
193,308

(1,277,645)
-

(1,277,645)
(1,277,645)

50,172,515
44,000,000
36,000,000
8,000,000
500,000
2,083,333
250,000
250,000
3,089,182
2,083,333
(369,151)

19,271,390
-

19,271,390
19,271,390

28,392,141
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,308,808
2,083,333
(149,525)

(4,104,814)
-

(4,104,814)
(4,104,814)

28,283,144
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,810
2,083,333
(258,523)

(5,681,432)
-

(5,681,432)
(5,681,432)

28,282,594
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,261
2,083,333
(259,073)

28,282,588
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,199,254
2,083,333
(259,079)

32,089,683
22,000,000
18,000,000
4,000,000
1,500,000
2,083,333
2,500,000
250,000
3,756,349
2,083,333
298,016

27,963,603
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
2,880,269
2,083,333
(578,064)

28,600,153
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,516,820
2,083,333
58,486

28,613,781
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,530,448
2,083,333
72,114

28,624,353
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,541,020
2,083,333
82,686

28,634,954
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,551,621
2,083,333
93,287

28,645,600
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,562,267
2,083,333
103,934

50,436,285
44,000,000
36,000,000
8,000,000
500,000
2,083,333
250,000
250,000
3,352,952
2,083,333
(105,381)

28,774,837
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,691,503
2,083,333
233,170

28,677,800
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,594,466
2,083,333
136,133

28,688,093
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,604,760
2,083,333
146,426

28,698,966
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,615,633
2,083,333
157,300

30,108,910
22,000,000
18,000,000
4,000,000
1,500,000
2,083,333
2,500,000
250,000
1,775,577
2,083,333
(1,682,756)

30,788,696
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
5,705,363
2,083,333
2,247,030

28,871,263
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,787,930
2,083,333
329,597

28,874,905
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,791,572
2,083,333
333,239

28,888,161
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,804,828
2,083,333
346,494

28,901,523
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,818,190
2,083,333
359,856

28,914,943
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,831,610
2,083,333
373,277

50,708,540
44,000,000
36,000,000
8,000,000
500,000
2,083,333
250,000
250,000
3,625,206
2,083,333
166,873

29,049,767
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,966,433
2,083,333
508,100

28,955,572
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,872,238
2,083,333
413,905

28,968,692
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,885,358
2,083,333
427,025

28,982,404
22,000,000
18,000,000
4,000,000
500,000
2,083,333
250,000
250,000
3,899,071
2,083,333
440,738

875,000
125,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

36,318,684
-

40,884,617
-

43,531,790
-

46,180,962
-

48,841,724
-

51,514,162
-

32,210,013
-

56,680,631
-

59,496,453
-

62,216,343
-

64,947,575
-

875,000
125,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

875,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

250,000
125,000

8,613,618
-

250,000
125,000
7,155,723
-

12,691,900
-

14,147,704
-

16,238,400
-

18,340,948
-

20,452,348
-

22,572,672
-

26,620,791
-

28,876,804
-

31,034,150
-

33,200,174
-

250,000
125,000
32,479,997
-

7,148,142
7,148,142
-

8,613,618
8,613,618
-

7,155,723
7,155,723
-

12,691,900
12,691,900
-

14,147,704
14,147,704
-

16,238,400
16,238,400
-

18,340,948
18,340,948
-

20,452,348
20,452,348
-

22,572,672
22,572,672
-

26,620,791
26,620,791
-

28,876,804
28,876,804
-

31,034,150
31,034,150
-

33,200,174
33,200,174
-

32,479,997
32,479,997
-

36,318,684
36,318,684
-

40,884,617
40,884,617
-

43,531,790
43,531,790
-

46,180,962
46,180,962
-

48,841,724
48,841,724
-

51,514,162
51,514,162
-

32,210,013
32,210,013
-

56,680,631
56,680,631
-

59,496,453
59,496,453
-

62,216,343
62,216,343
-

64,947,575
64,947,575
-

(2,701,344)
-

(2,701,344)
(2,701,344)