GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
52. JAMINAN PEMERINTAH
TERHADAP LIABILITAS PEMBAYARAN BANK UMUM lanjutan52. GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
OF COMMERCIAL BANKS continued Pada tanggal 13 Januari 2009, Pemerintah Republik Indonesia telah mengesahkan Perppu No. 32008 menjadi Undang-undang. On January 13, 2009, the Government of the Republic of Indonesia stipulated Perppu No. 32008 to become a law. Suku bunga penjaminan LPS pada tanggal 31 Maret 2016 dan 31 Desember 2015 masing-masing adalah sebesar 7,25 dan 7,50 untuk simpanan dalam mata uang rupiah, dan masing-masing sebesar 1 dan 1,25 untuk simpanan dalam mata uang asing. LPS interest rates guarantee as of March 31, 2016 and December 31, 2015 were 7.25 and 7.50, respectively, for deposits in Rupiah and 1 and 1.25 for deposits in foreign currencies. Pada tahun yang berakhir pada tanggal 31 Maret 2016 dan 31 Desember 2015, Bank telah membayar premi program penjaminan masing- masing sebesar Rp 76.772 dan Rp 139.810. The Bank paid a premium on the guarantee program amounting to Rp 76,772 and Rp 139,810 for the years ended March 31, 2016 and December 31, 2015, respectively. 53. PERIKATAN-PERIKATAN YANG SIGNIFIKAN 53. SIGNIFICANT AGREEMENTSa. Perjanjian penyelenggaraan
Anjungan Tunai Mandiri “ATM” Bersamaa. Joint Automated Teller Machine “ATM”
agreement 1. Pada tanggal 1 Agustus 2007, Bank mengadakan perjanjian sebagai Issuer Bank dengan PT Rintis Sejahtera. Dalam perjanjian tersebut, Bank akan mendapatkan manfaat jaringan ATM PRIMA di lebih dari 92.607 ATM di seluruh Indonesia. Perjanjian tersebut berlaku sampai dengan tanggal 14 Mei 2017. 1. On August 1, 2007, the Bank entered into a Joint Issuer Bank agreement with PT Rintis Sejahtera. Based on this agreement, the Bank will utilize a joint ATM network of 92.607 ATM units throughout Indonesia. The agreement will due on May14, 2017. 2. Pada tanggal 1 April 2008, Bank mengadakan perjanjian penyelenggaraan ATM Bersama dengan PT Artajasa Pembayaran Elektronik. Dalam perjanjian tersebut, Bank akan mendapatkan manfaat jaringan ATM Bersama di lebih dari 68.764 ATM di seluruh Indonesia. Perjanjian tersebut berlaku sampai dengan tanggal 5 Oktober 2019. 2. On April 1, 2008, the Bank entered into a Joint ATM agreement with PT Artajasa Pembayaran Elektronik. Based on this agreement, the Bank will utilize a joint ATM network of 68.764 ATM units throughout Indonesia. The agreement will due on October 5, 2019. b. Jasa Bank Pengumpulan Uang Tol b. Collection of Toll Fees Bank telah mengadakan perikatan pengumpulan uang tol dengan PT Jasa Marga Persero Tbk dan beberapa perusahan pengelola jalan tol lainnya dengan data sebagai berikut: The Bank has signed an agreements for toll fees collections with PT Jasa Marga Persero Tbk and several other companies summarized as follows: No Kantor Cabang Branch Perusahaan Company No. Perjanjian Agreement No. Tanggal Perjanjian Agreement Date 1 Purbaleunyi PT Jasa Marga Persero Tbk CH.HK02.154 dan 619BDGPSU2010 1 September September 1, 2010 Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 Maret 2016 dan 31 Desember 2015 Serta Periode Yang Berakhir Pada tanggal 31 Maret 2016 dan 2015 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of March 31, 2016 and December 31, 2015 And For the Period Then ended March 31, 2016 and 2015 Expressed in millions of rupiah, unless otherwise stated 19353. PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
53. SIGNIFICANT AGREEMENTS continued b. Jasa
Bank Pengumpulan Uang Tol lanjutan b. Collection of Toll Fees continued Berdasarkan perjanjian tersebut pengelola jalan tol memberi kuasa kepada Bank untuk mengambil hasil pendapatan tol dan menyimpannya di rekening pengelola jalan tol pada Bank. Based on the agreement, the management of the toll roads gives authorization to the Bank to take the toll fees revenue in cash and deposit it in the management‟s account at the Bank. Masa berlakunya perjanjian sejak perjanjian ditandatangani dan dapat diperpanjang sesuai dengan kesepakatan para pihak. The validity period of these agreements started since they were signed and can be extended in accordance with the agreements of the parties.c. Nota Kesepahaman MoU dan Perjanjian Kerjasama dengan beberapa perusahaan
BUMN dan Institusi lainnya di Indonesiac. Memorandum of Understanding MoU and Cooperation Agreements with several state-
owned enterprises and other institutions in Indonesia 1. Pada awal tahun 2014, Bank telah melakukan kerjasama tentang layanan penerimaan pembayaran Pajak Bumi dan Bangunan sektor Pedesaan dan Perkotaan PBB-P2 dan Pajak Daerah lainnya secara online bjb E-TAX dengan 35 Pemerintah Kota dan Kabupaten se- Jawa Barat dan Banten yang dapat dilakukan di seluruh jaringan kantor dan jaringan elektronik Bank yang tersebar di seluruh Indonesia. 1. In early 2014, the Bank has worked on Service Tax Payment Receipt Land and Building Rural and Urban sectors UN- P2 and other regional tax online BJB E- TAX with 35 Municipal and District around West Java and Banten, which can be done in each office networks and electronic networks throughout Indonesia. Ruang Lingkup kerjasama ini adalah Pengelolaan Rekening Kas Umum Daerah baik Giro maupun Deposito di 35 Kota dan Kabupaten Se- Jawa Barat dan Banten. The scope of this cooperation include General Cash Account management for time deposit and current account in 35 municipalities and regencies in West Java and Banten. Ruang lingkup dalam perjanjian kerjasama tersebut adalah penyediaan dan penyaluran bantuan pinjaman uang muka perumahan yang di tempatkan pada giro yang ada pada Bank. Scope of the agreement is to provide and distribute of housing loan advances that placed on the Bank current account. 2. Pada tanggal 25 April 2014 Bank telah melakukan Perjanjian Kerjasama tentang Penerimaan Pajak Kendaraan Bermotor PKB dan Balik Nama Kendaraan Bermotor BNKB melalui kantor bersama Samsat dan sentra-sentra pelayanan masyarakat wilayah banten antara Prov Banten dengan bank bjb. 2. As of April 25, 2014, the Bank has signed cooperation agreement about Penerimaan Pajak Kendaraan Bermotor PKB and Balik Nama Kendaraan Bermotor BNKB through Samsat office and community service centers of Banten Province and bank bjb.Parts
» PT Bank Pembangunan Daerah Jawa Barat dan Banten Maret 2016 Final Report
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Jaringan kantor Office network
» Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum saham Public offering of shares
» Penawaran umum obligasi INFORMASI UMUM lanjutan GENERAL INFORMATION continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasian Principles of consolidation
» Penjabaran mata uang asing lanjutan Foreign currency translation continued
» Aset keuangan dan liabilitas keuangan Financial assets and liabilities
» Aset keuangan dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Placements with Bank Indonesia and other Surat berharga Marketable securities
» Surat berharga lanjutan Marketable securities continued
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Marketable securities purchased under agreements to resell Reverse Repo
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivative SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» j. Derivative financial instruments Kredit yang diberikan Loans
» Pembiayaanpiutang syariah lanjutan Sharia financingreceivables continued
» Pembiayaanpiutang syariah lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan
» Identification and SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investment in shares
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan Impairment of non-financial assets
» Penurunan nilai SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Beban dibayar dimuka SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prepaid expenses SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Simpanan nasabah, simpanan nasabah syariah dan dana syirkah temporer
» Deposits from customers, sharia deposits from customers and temporary syirkah
» Simpanan nasabah, simpanan nasabah syariah
» Simpanan nasabah, Simpanan nasabah syariah Simpanan dari bank lain Deposits from other banks
» Simpanan dari bank lain lanjutan Deposits from other banks continued
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Marketable securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Efek hutang yang diterbitkan Debt securities issued
» Pendapatan bunga, beban bunga dan bagi hasil syariah lanjutan
» Interest income, interest expense and sharia profit sharing continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» PERTIMBANGAN, ESTIMASI DAN ASUMSI
» KAS CASH PT Bank Pembangunan Daerah Jawa Barat dan Banten Maret 2016 Final Report
» GIRO PADA BANK INDONESIA CURRENT
» Berdasarkan mata uang By currency
» Berdasarkan hubungan Based on relationship
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rates per annum
» Perubahan cadangan kerugian penurunan nilai
» Movements in GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan jenis, hubungan dan mata uang
» Based on type, relationship and currency
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Movements in PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» Berdasarkan kolektibilitas PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By collectibility PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued
» Berdasarkan jatuh tempo By maturity Jatuh tempo dan suku bunga Maturity and interest rate
» Jatuh tempo dan suku bunga Maturity and interest rate
» Jatuh tempo dan suku bunga lanjutan Maturity and interest rate continued
» Berdasarkan pemerintah SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Tingkat suku bunga rata-rata per tahun
» Berdasarkan kolektibilitas By collectibility
» Management believes that no allowance for
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI MARKETABLE SECURITIES
» Berdasarkan jenis, By type, currency and relationship
» WESEL EKSPOR DAN TAGIHAN LAINNYA lanjutan
» By collectibility Tingkat suku bunga rata-rata per tahun Average interest rates per annum
» Berdasarkan jenis, By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Berdasarkan periode sisa jatuh tempo By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kredit non-performing berdasarkan sektor Kredit yang direstrukturisasi Restructured loans
» Perubahan cadangan kerugian penurunan nilai lanjutan
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas By type and collectability
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil per tahun adalah sebagai berikut:
» Range of equivalent margin and profit sharing per annum are as follows:
» Pembiayaan syariah PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing sharia PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Berdasarkan kolektibilitas PENYERTAAN SAHAM INVESTMENTS IN SHARES
» By collectibility PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Movements in the allowance for impairment losses
» PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued ASET TETAP FIXED ASSETS
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» By type and currency Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Simpanan nasabah lanjutan Deposits from customers continued
» Berdasarkan jenis dan mata uang By type and currency
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI lanjutan
» EFEK HUTANG YANG DITERBITKAN lanjutan DEBT SECURITIES ISSUED continued
» PINJAMAN YANG DITERIMA BORROWINGS
» per annum. PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Movements in the estimated losses on commitments and contingencies
» Taxes payable INCOME TAX a. Hutang pajak
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset liabilitas pajak tangguhan - neto Deferred tax assets liabilities - net
» Aset liabilitas pajak tangguhan - neto lanjutan Deferred tax assets liabilities – net
» Aset liabilitas pajak tangguhan - neto lanjutan
» Deferred tax assets liabilities – net
» Perubahan Tarif pajak Changes in Tax rate
» Perubahan Tarif pajak lanjutan
» Uang Muka Pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax Advances PAJAK PENGHASILAN lanjutan INCOME TAX continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE LIABILITAS LAIN-LAIN OTHER LIABILITIES
» LIABILITAS LAIN-LAIN lanjutan OTHER LIABILITIES continued MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» DISTRIBUTION OF INCOME PT Bank Pembangunan Daerah Jawa Barat dan Banten Maret 2016 Final Report
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» BEBAN BUNGA DAN BAGI HASIL SYARIAH lanjutan
» INTEREST EXPENSE AND SHARIA PROFIT SHARING continued
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATAN BEBAN NON-OPERASIONAL NON-OPERATING INCOME EXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN PT Bank Pembangunan Daerah Jawa Barat dan Banten Maret 2016 Final Report
» ASET KEUANGAN IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan RELATED PARTY TRANSACTIONS continued
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» CAPITAL MANAGEMENT MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» JAMINAN PEMERINTAH PT Bank Pembangunan Daerah Jawa Barat dan Banten Maret 2016 Final Report
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automated Teller Machine “ATM”
» Jasa Bank Pengumpulan Uang Tol Collection of Toll Fees
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» Memorandum of Understanding MoU and Cooperation Agreements with
» SIGNIFICANT AGREEMENTS continued c. Nota Kesepahaman MoU dan Perjanjian
» Nota Kesepahaman MoU dan Perjanjian Kerjasama dengan beberapa perusahaan
» SIGNIFICANT AGREEMENTS continued c. Memorandum of Understanding MoU
» PERISTIWA SETELAH TANGGAL LAPORAN KEUANGAN
» SUBSEQUENT EVENT PERNYATAAN STANDAR
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