Laporan Tahunan 2021

PT Bank CIMB Niaga Tbk Laporan Tahunan 2021 PT BANK CIMB NIAGA Tbk DAN ENTITAS ANAK/ AND SUBSIDIARIES Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian. The accompanying notes form an integral part of these consolidated financial statements. Halaman – 2/1 – Page LAPORAN LABA RUGI DAN PENGHASILAN KOMPREHENSIF LAIN KONSOLIDASIAN UNTUK TAHUN-TAHUN YANG BERAKHIR 31 DESEMBER 2021,2020, DAN 2019 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain) CONSOLIDATED STATEMENTS OF PROFIT OR LOSS AND OTHER COMPREHENSIVE INCOME FOR THE YEARS ENDED 31 DECEMBER 2021, 2020, AND 2019 (Expressed in millions of Rupiah, unless otherwise stated) Catatan/ Notes 2021 2020 2019 PENDAPATAN DAN BEBAN OPERASIONAL INCOME AND EXPENSES FROM OPERATIONS Pendapatan bunga 2ac,2ai,36,49 15,751,579 17,248,452 18,396,236 Interest income Pendapatan syariah 2ac,2ai,36,49,62 3,111,372 3,454,647 3,293,250 Sharia income Beban bunga 2ac,2ai,37,49 (4,562,290) (6,212,158) (7,050,137) Interest expense Beban syariah 2ac,2ai,37,49,62 (1,211,801) (2,020,423) (2,071,331) Sharia expense Pendapatan bunga dan syariah - bersih 13,088,860 12,470,518 12,568,018 Net interest and sharia income Pendapatan operasional lainnya: Other operating income: Provisi dan komisi lainnya 2ad,38 2,266,284 1,738,053 2,206,680 Other fees and commissions (Kerugian)/keuntungan transaksi mata uang asing 2e (92,522) (178,063) 2,937 Foreign exchange (losses)/gains Lain-lain 376,272 381,596 1,083,002 Others Jumlah pendapatan operasional lainnya 2,550,034 1,941,586 3,292,619 Total other operating income Kerugian penurunan nilai atas aset keuangan Impairment losses on financial dan nonkeuangan - bersih 2h,39 (4,169,888) (5,403,886) (3,256,619) and non-financial assets - net Keuntungan dari instrumen keuangan yang diukur Gains from financial instruments measured at pada nilai wajar melalui laba rugi - bersih 2n,2l,40 806,522 1,140,561 586,536 fair value through profir or loss - net Keuntungan dari penjualan efek-efek - bersih 2l,41 1,122,101 805,860 377,557 Gains from sale of marketable securities - net Beban operasional lainnya: Other operating expenses: Beban tenaga kerja 2ae,42 (4,481,677) (4,270,770) (4,623,722) Personnel expenses Beban umum dan administrasi 2ae,43 (3,693,012) (3,626,589) (3,828,664) General and administrative expenses Lain-lain (104,548) (203,425) (181,978) Others Jumlah beban operasional lainnya (8,279,237) (8,100,784) (8,634,364) Total other operating expenses LABA OPERASIONAL BERSIH 5,118,392 2,853,855 4,933,747 NET OPERATING INCOME PENDAPATAN BUKAN OPERASIONAL INCOME FROM NON OPERATIONS Pendapatan bukan operasional - bersih 44 72,706 93,565 20,150 Non operating income – net LABA SEBELUM PAJAK PENGHASILAN 5,191,098 2,947,420 4,953,897 INCOME BEFORE INCOME TAX BEBAN PAJAK PENGHASILAN 2af,31c (1,092,494) (936,166) (1,310,962) INCOME TAX EXPENSE LABA BERSIH 4,098,604 2,011,254 3,642,935 NET INCOME