The original consolidated financial statements included herein are in

Indonesian language.

PT PERMODALAN NASIONAL MADANI (PERSERO) PT PERMODALAN NASIONAL MADANI (PERSERO)

DAN ENTITAS ANAK AND SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN FINANCIAL STATEMENTS
Tanggal 31 Desember 2020 dan As of December 31, 2020 and
Untuk Tahun yang Berakhir Pada Tanggal Tersebut and For The Year Then Ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

34. PENDAPATAN BUNGA DAN SYARIAH 34. INTEREST AND SHARIA REVENUE

2020 2019

Pendapatan pembiayaan Mekaar 4.176.089.073.652 3.205.124.104.891 Income from Mekaar financing

Pendapatan dari Unit ULaMM 1.308.139.668.285 1.583.053.458.075 Income from ULaMM
Pendapatan dari modal ventura 115.038.110.100 77.580.204.176 Income from ventura
Pendapatan dari pembiayaan kredit
usaha mikro, kecil, dan menengah serta Income from micro, small and medium, and
Lembaga Keuangan Mikro 4.151.946.648 5.321.091.707 microfinance institution credit financing
Pendapatan pembiayaan Mikro Income from Micro, Small,
Kecil Menengah 1.845.551.953 5.790.251.023 Medium financing
Pendapatan bagi hasil syariah - 36.502.339.543 Income from sharia profit sharing
Pendapatan dari pembiayaan BPR - 10.716.951.000 Income from BPR financing

Total 5.605.264.350.638 4.924.088.400.415 Total

35. BEBAN BUNGA DAN SYARIAH 35. INTEREST AND SHARIA EXPENSES
2020 2019

Beban bunga obligasi 909.781.528.489 849.933.246.240 Bond interest expense

Beban bunga bank 552.672.976.765 658.913.964.780 Bank interest expense
Beban bunga MTN, PN dan Sukuk 227.210.827.225 77.819.374.904 MTN, PN and Sukuk interest expense
Beban bunga non-bank 142.526.169 8.428.031.459 Non-bank Interest expense

Total 1.689.807.858.648 1.595.094.617.383 Total

36. BEBAN USAHA 36. OPERATING EXPENSE

2020 2019

Beban administrasi dan umum: Administration and general expenses:

Gaji dan tunjangan 2.305.329.646.819 1.846.986.315.440 Salaries and allowances
Kerugian penurunan nilai piutang 304.760.280.140 226.048.518.365 Loss on impairment
Tantiem, jasa produksi, dan insentif 273.860.159.858 216.130.109.773 Tantiem, bonus and incentives
Penyusutan (Catatan 13) 281.884.384.268 183.830.371.806 Depreciation (Note 13)
Beban kantor 191.067.343.837 301.249.041.917 Office expenses
Asuransi kredit 146.490.133.446 144.951.704.204 Insurance credit
Sewa kantor, kendaraan, dan rumah dinas 93.089.665.552 84.708.083.470 Rent for office, vehicles, and home office
Amortisasi (Catatan 15) 72.654.123.598 10.528.698.084 Amortization (Note 15)
Sistem informasi 58.003.995.606 37.736.034.668 Information system
Jasa profesional 31.260.251.732 85.667.100.362 Professional fee
Pemeliharaan dan perbaikan 29.235.320.470 13.334.198.795 Maintenance and repairs
Imbalan kerja 28.396.991.600 25.218.179.276 Employee benefit
Pendidikan dan latihan 15.667.190.553 23.097.583.362 Education and training
Beban pemasaran 9.619.563.456 7.365.128.934 Marketing expenses
Pengembangan kapasitas usaha 9.307.298.433 18.690.054.511 Capacity building
Jamuan 6.697.681.566 13.148.705.971 Entertainment
Biaya agen penjual reksadana 6.380.232.096 4.952.266.418 Agency fee of mutual fund
Perjalanan dan transportasi 5.794.773.570 19.738.410.620 Travel and transportation
Proyek operasional 668.235.541 2.040.280.046 Operational projects
Pengendalian Risiko 114.870.345 623.993.283 Risk Controling
Lain-lain - 7.957.026.377 Miscellaneous

Total 3.870.282.142.486 3.274.001.805.682 Total

37. LAIN-LAIN - BERSIH 37. MISCELLANEOUS - NET

2020 2019

Pendapatan lain-lain 194.568.113.529 1.011.333.562.690 Other revenues

Beban lain-lain (11.454.963.084) (5.541.860.422) Other expenses

Lain-lain - bersih 183.113.150.445 1.005.791.702.268 Others - net

188

PT PERMODALAN NASIONAL MADANI (PERSERO)
DAN ENTITAS ANAK
CATATAN ATAS LAPORAN KEUANGAN
KONSOLIDASIAN
Tanggal 31 Desember 2020 dan
Untuk Tahun yang Berakhir Pada Tanggal Tersebut
(Disajikan dalam Rupiah, kecuali dinyatakan lain)
37. LAIN-LAIN - BERSIH (lanjutan)
Berdasarkan Peraturan Menteri BUMN No. PER-
02/MBU/7/2017 tentang Perubahan Kedua atas
Peraturan BUMN No. PER-09/MBU/07/2015 tentang
Program Kemitraan dan Program Bina Lingkungan
BUMN tanggal 5 Juli 2017 dan berdasarkan Surat
Keputusan Deputi Bidang Infrastruktur Bisnis
Kementerian BUMN No. SK-03/D7.MBU/12/2018
tentang Petunjuk Pelaksanaan atas Penyaluran
Dana Program Kemitraan BUMN melalui BUMN
Khusus tanggal 10 Desember 2018, Perusahaan
ditunjuk sebagai BUMN Khusus yang berhak
mendapatkan hibah atau pinjaman tanpa bunga
dana Program Kemitraan dari BUMN Pembina.
Perusahaan ditunjuk sebagai BUMN Khusus, karena
Perusahaan adalah BUMN yang bergerak di bidang
pemberdayaan perekonomian rakyat melalui
pemberian pinjaman permodalan dan/atau
pembinaan kepada usaha mikro dan kecil. Tujuan
dari penyaluran dana Program Kemitraan melalui
BUMN Khusus adalah karena masih terdapat dana
Program Kemitraan yang tidak tersalurkan sehingga
penyaluran dana tersebut belum optimal serta
kurangnya kompetensi BUMN Non-Jasa Keuangan
dalam penyaluran dana Program Kemitraan pada
usaha mikro dan kecil.
Pendapatan hibah yang diterima Perusahaan untuk
periode yang berakhir pada 31 Desember 2020 dan
2019 masing-masing sebesar Rp189.394.478.322
dan Rp919.823.582.721.
PT Bank Mandiri (Persero)Tbk 127.518.478.322
PT Bank Negara Indonesia (Persero) Tbk 50.000.000.000
PT Bank Tabungan Negara (Persero) Tbk 10.000.000.000
PT Perusahaan Listrik Negara (Persero) Tbk 1.776.000.000
Perum LPPNPI
PT Pertamina (Persero)
PT Perusahaan Gas Negara (Persero) Tbk
BPJS Ketenagakerjaan
PT Jasa Raharja (Persero)
PT Pelabuhan Indonesia III (Persero)
PT Bank Rakyat Indonesia (Persero)Tbk
PT Telekomunikasi Indonesia (Persero) Tbk
PT Bukit Asam Tbk
PT Pegadaian (Persero)
Perum LPPNPI
Perum Jaminan Kredit Indonesia
PT Reasuransi Umum Indonesia (Persero)
PT Asuransi Jasa Indonesia (Persero)
PT Krakatau Steel (Persero) Tbk
PT Semen Indonesia (Persero) Tbk
PT Taspen (Persero)
PT Indofarma (Persero) Tbk
PT Angkasa Pura I (Persero)
PT Asuransi ABRI (Persero)
PT Wijaya Karya (Persero) Tbk
PT Pelabuhan Indonesia I (Persero)
Perum Percetakan Uang Republik Indonesia
Sub total 189.394.478.322
The original consolidated financial statements included herein are in
Indonesian language.
PT PERMODALAN NASIONAL MADANI (PERSERO)
AND SUBSIDIARIES
NOTES TO THE CONSOLIDATED
FINANCIAL STATEMENTS
As of December 31, 2020 and
and For The Year Then Ended
(Expressed in Rupiah, unless otherwise stated)
37. MISCELLANEOUS - NET (continued)
Based on Regulation of the Minister of SOEs
No. PER-02/MBU/7/2017 concerning the Second
Amendment to the Minister of SOEs No. PER-
09/MBU/07/2015 concerning the Partnership
Program and Community-Owned Enterproses
Community Development Program dated July 5,
2017 and based on the letter from Deputy of
Business Infrastructure Sector of the Ministry of
SOEs No. SK-03/D7.MBU/12/2018 concerning
Implementation Guidelines for Fund Distribution of
SOEs' Partnership Programs through Special SOEs
on December 10, 2018, The Company is designated
as Special SOEs entitled to receive grants or
interest-free loans from the Partnership Program
from SOEs.
The Company is designated as a Special SOE,
because the Company is a SOEs that is engaged in
the empowerment of the people's economy through
the provision of capital loans and/or guidance to
micro and small businesses. The purpose of the
distribution of the Partnership Program funds
through the Special SOEs is because there are still
funds from the Partnership Program that is not
channeled so that the distribution of funds is not
optimal as well as the lack of competency of Non-
Financial Services State Enterprises in the
distribution of Partnership Program funds to micro
and small businesses.
Income form grant received by the Company as a
Special SOE for the period ended December 31,
2020 and 2019 amounted to Rp189,394,478,322
and Rp919,823,582,721.
2020 2019
75.000.000.000 PT Bank Mandiri (Persero)Tbk
20.000.000.000 PT Bank Negara Indonesia (Persero) Tbk
5.500.000.000 PT Bank Tabungan Negara (Persero) Tbk
35.100.000.000 PT Perusahaan Listrik Negara (Persero) Tbk
100.000.000 - Perum LPPNPI
- 200.000.000.000 PT Pertamina (Persero)
- 177.974.635.344 PT Perusahaan Gas Negara (Persero) Tbk
- 132.000.000.000 BPJS Ketenagakerjaan
- 67.000.000.000 PT Jasa Raharja (Persero)
- 55.000.000.000 PT Pelabuhan Indonesia III (Persero)
- 50.000.000.000 PT Bank Rakyat Indonesia (Persero)Tbk
- 25.000.000.000 PT Telekomunikasi Indonesia (Persero) Tbk
- 10.000.000.000 PT Bukit Asam Tbk
- 10.000.000.000 PT Pegadaian (Persero)
- 8.277.000.000 Perum LPPNPI
- 8.000.000.000 Perum Jaminan Kredit Indonesia
- 8.000.000.000 PT Reasuransi Umum Indonesia (Persero)
- 5.000.000.000 PT Asuransi Jasa Indonesia (Persero)
- 5.000.000.000 PT Krakatau Steel (Persero) Tbk
- 5.000.000.000 PT Semen Indonesia (Persero) Tbk
- 4.500.000.000 PT Taspen (Persero)
- 3.971.947.377 PT Indofarma (Persero) Tbk
- 2.000.000.000 PT Angkasa Pura I (Persero)
- 2.000.000.000 PT Asuransi ABRI (Persero)
- 2.000.000.000 PT Wijaya Karya (Persero) Tbk
- 1.500.000.000 PT Pelabuhan Indonesia I (Persero)
- 1.000.000.000 Perum Percetakan Uang Republik Indonesia
918.823.582.721 Subtotal
189
 The original consolidated financial statements included herein are in
Indonesian language.

PT PERMODALAN NASIONAL MADANI (PERSERO) PT PERMODALAN NASIONAL MADANI (PERSERO)

DAN ENTITAS ANAK AND SUBSIDIARIES
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE CONSOLIDATED
KONSOLIDASIAN FINANCIAL STATEMENTS
Tanggal 31 Desember 2020 dan As of December 31, 2020 and
Untuk Tahun yang Berakhir Pada Tanggal Tersebut and For The Year Then Ended
(Disajikan dalam Rupiah, kecuali dinyatakan lain) (Expressed in Rupiah, unless otherwise stated)

37. LAIN-LAIN - BERSIH (lanjutan) 37. MISCELLANEOUS - NET (continued)

2020 2019

Pihak Ketiga Third Parties

PT Bumi Suksesindo - 1.000.000.000 PT Bumi Suksesindo

Total 189.394.478.322 919.823.582.721 Total

38. PENGHASILAN KOMPREHENSIF LAINNYA 38. OTHER COMPREHENSIVE INCOME

2020 2019

Pos yang akan direklasifikasi ke laba rugi Item that will be reclassified to profit or loss
Kerugian yang belum direalisasi Unrealized loss from financial assets
dari portofolio efek tersedia untuk dijual - (2.500.000) available for sales

Pos yang tidak akan direklasifikasi ke laba rugi Item that will not be reclassified to profit or loss
Kerugian aktuarial atas program Actuarial loss on employee benefit
imbalan kerja (6.992.673.712) (5.112.992.986) program

Total (6.992.673.712) (5.115.492.986) Total

39. LABA PER SAHAM 39. EARNINGS PER SHARE

Laba per saham dihitung dengan membagi laba Earnings per share is calculated by dividing profit
yang dapat diatribusikan kepada pemilik entitas attributable to owners of the parent by the weighted
induk dengan Total rata-rata tertimbang saham average number of ordinary shares outstanding
biasa yang beredar pada tahun bersangkutan. during the year.

2020 2019

Laba per saham: Earnings per share:

Laba yang dapat diatribusikan kepada Profit attributable
pemilik entitas induk 358.180.083.833 973.231.336.153 to owners of the parent

Rata-rata tertimbang Total saham biasa Weighted average number of oustanding

yang beredar - dasar 1.466.667 1.300.000 common stock - basic

Laba per saham - Earning per share -

dasar (Rupiah penuh) 244.214 748.639 basic (full amount)

40. TRANSAKSI PIHAK BERELASI 40. RELATED PARTY TRANSACTIONS

Berikut adalah rincian sifat hubungan dengan pihak The nature of relationship with the related parties is
berelasi: summarized as follows:

Pihak Berelasi/ Sifat dari hubungan/ Sifat dari transaksi/

Related Parties Nature of relationship Nature of transaction

Pemerintah Republik Indonesia/ Pemegang saham pengendali/ Surat Utang Pemerintah/

The Government of the Republic of Controlling shareholder Government Promissory Notes
Indonesia

190