PENDAPATAN BAGI HASIL INCOME FROM PROFIT SHARING
30. BEBAN CADANGAN PENYISIHAN KERUGIAN ASET PRODUKTIF DAN NON-PRODUKTIF -
NETO 30. PROVISION FOR ALLOWANCE ON POSSIBLE LOSSES ON EARNING AND NON-EARNING ASSETS - NET Beban cadangan penyisihan kerugian aset produktif dan non-produktif - neto terdiri dari: Provision for allowance for possible losses on earning and non-earning assets - net, consist of: Tahun yang Berakhir pada Tanggal 31 DesemberYear Ended December 31 2013 2012 Piutang, pinjaman qardh dan pembiayaan 5.816 75.425 Receivables, funds of qardh and financing Aset non-produktif 718 31.489 Non-earning assets Aset produktif selain piutang, pinjaman Earning assets other than receivables, qardh dan pembiayaan 400 140 funds of qardh and financing Jumlah 4.698 106.774 Total 31. BEBAN GAJI DAN TUNJANGAN 31. SALARIES AND BENEFITS Beban gaji dan tunjangan terdiri dari: Salaries and benefits consist of: Tahun yang Berakhir pada Tanggal 31 DesemberYear Ended December 31 2013 2012 Gaji dan upah 237.910 192.675 Salaries and wages Tunjangan karyawan 130.143 106.908 Employee allowances Imbalan kerja Catatan 35 16.393 17.538 Employee benefit Note 35 Pendidikan dan pelatihan 15.821 6.262 Education and trainings Jumlah 400.267 323.383 Total BRISyariah •LaporanTahunan2013|2013AnnualReport 218 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2013 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 70 32. UMUM DAN ADMINISTRASI 32. GENERAL AND ADMINISTRATIVE Beban umum dan administrasi terdiri dari: General and administrative expenses consist of: Tahun yang Berakhir pada Tanggal 31 DesemberYear Ended December 31 2013 2012 Asuransi 65.122 54.111 Insurance Sewa 63.071 56.825 Rent Outsourcing 62.803 59.740 Outsourcing Penyusutan aset tetap Depreciation of premises and Catatan 11 56.887 45.457 equipment Note 11 Pemeliharaan dan perbaikan 45.034 29.383 Service and maintenance Transportasi 33.264 23.343 Transportation Promosi 27.614 12.399 Promotion Listrik, air dan gas 14.576 10.633 Electricity, water and gas Komunikasi 14.012 5.100 Communication Alat tulis dan barang cetak 12.117 7.802 Stationery and printing Honorarium tenaga ahli 4.809 5.533 Professional fees Lain-lain 871 1.172 Others Jumlah 400.180 311.498 Total Lain-lain terdiri dari beban pajak tanah dan bangunan, beban pajak kendaraan dan lainnya. Others consist of land and building tax expenses, vehicle tax expenses and others.33. PENDAPATAN DAN
BEBAN NON-USAHA - NETO 33. NON-OPERATING INCOME AND EXPENSES - NET Tahun yang Berakhir pada Tanggal 31 DesemberYear Ended December 31 2013 2012 a. Pendapatan non-usaha a. Non-operating income terdiri dari: consists of: Laba penjualan aset tetap Gain on sales of premises and Catatan 11 3.285 86 equipment Note 11 Administrasi 721 3.811 Administration Sewa gedung 150 270 Building rental Lainnya 2.826 5.764 Others Jumlah 6.982 9.931 Total b. Beban non-usaha terdiri dari: b. Non-operating expenses consist of: Zakat 2.239 - Zakat Lainnya 541 2.914 Others Jumlah 2.780 2.914 Total Jumlah pendapatan non-usaha - neto 4.202 7.017 Total non-operating income - netParts
» Annual Report BRISyariah 2013
» Giro BRISyariah iB Deposito BRISyariah iB
» KPR BRISyariah iB KPR BRISyariah iB
» KKB BRISyariah iB KKB BRISyariah iB
» Pembiayaan Kepemilikan PKEBRISyariahiBGoldFinancing
» Gunawan Yasni KMG BRISyariah iB Multi Purpose Ownership KMG BRISyariah
» Line Of Bussiness LOB 2. Line Of Support LOS Risk Management 2. Compliance Desk
» RISIKO PEMBIAYAAN Annual Report BRISyariah 2013
» RISIKO PASAR RISIKO LIKUIDITAS MARKET RISK
» LIQUIDITY RISK RISIKO OPERASIONAL
» OPERATIONAL RISK Annual Report BRISyariah 2013
» RISIKO KEPATUHAN COMPLIANCE RISK
» Pendirian Bank dan Informasi Umum
» UMUM UMUM lanjutan UMUM lanjutan
» Boards of Commissioners, Directors, Sharia Supervisory Board and Employees
» UMUM lanjutan Annual Report BRISyariah 2013
» Dasar Penyajian Laporan Keuangan
» Basis of Financial Statements Presentation Pernyataan Kepatuhan
» Basis of Financial Statements Presentation continued
» Transaksi dengan Pihak-Pihak Berelasi
» Transactions with Related Parties
» Cadangan Allowance for Possible Losses on Earning and Non-Earning Assets
» Cadangan Allowance for Possible Losses on Earning and Non-Earning Assets continued
» Allowance for Possible Losses on Earning and Non-Earning Assets continued
» Giro dan Penempatan pada Bank Indonesia
» Current Accounts and Placements with Bank Indonesia
» Current Accounts with Other Banks
» Investasi pada Surat Berharga
» Investments in Marketable Securities
» Investasi pada Surat Berharga lanjutan
» Pinjaman Qardh lanjutan SUMMARY
» Aset yang Diperoleh untuk Ijarah
» Aset Tetap Premises and Equipment
» Premises and Equipment continued
» Liabilitas Segera Obligations Due Immediately
» Simpanan dari Nasabah dan Bank Lain
» Deposits from Customers and Other Banks
» Dana Syirkah Temporer SUMMARY
» Temporary Syirkah Funds SUMMARY
» Dana Syirkah Temporer lanjutan
» Temporary Syirkah Funds continued
» Pendapatan Pengelolaan Dana oleh Bank
» Hak Pihak Ketiga atas Bagi Hasil Dana
» Pendapatan Imbalan Jasa Perbankan
» Fee Based Income from Banking Services
» Employee Benefits Imbalan kerja jangka pendek
» Imbalan Kerja lanjutan SUMMARY
» Employee Benefits continued Program pensiun iuran pasti lanjutan
» Taxation continued Penggunaan Pertimbangan dan Estimasi
» Penggunaan Pertimbangan dan Estimasi
» IKHTISAR KEBIJAKAN AKUNTANSI lanjutan
» The annual average bonus rate and Minimum
» GIRO PADA BANK LAIN lanjutan
» By Purpose: INVESTMENTS IN MARKETABLE SECURITIES
» INVESTASI PADA SURAT BERHARGA INVESTASI
» INVESTASI Annual Report BRISyariah 2013
» PIUTANG RECEIVABLES Annual Report BRISyariah 2013
» PIUTANG lanjutan RECEIVABLES continued
» PIUTANG lanjutan Annual Report BRISyariah 2013
» RECEIVABLES continued Annual Report BRISyariah 2013
» PINJAMAN QARDH FUNDS OF QARDH
» PINJAMAN QARDH lanjutan FUNDS OF QARDH continued
» PINJAMAN QARDH lanjutan Annual Report BRISyariah 2013
» FUNDS OF QARDH continued PEMBIAYAAN MUDHARABAH MUDHARABAH FINANCING
» PEMBIAYAAN MUDHARABAH lanjutan Annual Report BRISyariah 2013
» MUDHARABAH FINANCING continued Annual Report BRISyariah 2013
» MUDHARABAH FINANCING continued PEMBIAYAAN MUSYARAKAH MUSYARAKAH FINANCING
» PEMBIAYAAN MUSYARAKAH lanjutan Annual Report BRISyariah 2013
» MUSYARAKAH FINANCING continued Annual Report BRISyariah 2013
» ASET YANG DIPEROLEH UNTUK IJARAH ASSETS ACQUIRED FOR IJARAH
» ASET TETAP lanjutan PREMISES AND EQUIPMENT continued
» LIABILITAS SEGERA lanjutan OBLIGATIONS DUE IMMEDIATELY continued
» BAGI HASIL YANG BELUM DIBAGIKAN UNDISTRIBUTED REVENUE SHARING
» GIRO WADIAH WADIAH DEMAND DEPOSITS
» TABUNGAN WADIAH WADIAH SAVINGS DEPOSITS
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» PINJAMAN YANG DITERIMA FUND BORROWING
» UTANG PAJAK lanjutan TAXES PAYABLE continued
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» TABUNGAN MUDHARABAH MUDHARABAH SAVINGS DEPOSITS DEPOSITO MUDHARABAH MUDHARABAH TIME DEPOSITS
» DEPOSITO MUDHARABAH lanjutan MUDHARABAH TIME DEPOSITS continued
» EKUITAS EQUITY Annual Report BRISyariah 2013
» EKUITAS lanjutan EQUITY continued
» PENDAPATAN DARI JUAL BELI INCOME FROM SALES AND PURCHASES
» PENDAPATAN BAGI HASIL INCOME FROM PROFIT SHARING
» PENDAPATAN DARI IJARAH - NETO INCOME FROM IJARAH - NET
» PENDAPATAN USAHA UTAMA LAINNYA OTHER MAIN OPERATING INCOME
» HAK PIHAK KETIGA ATAS BAGI HASIL THIRD PARTIES’ SHARE ON RETURN
» PENDAPATAN USAHA LAINNYA OTHER OPERATING INCOME
» BEBAN CADANGAN PENYISIHAN KERUGIAN ASET PRODUKTIF DAN NON-PRODUKTIF -
» BEBAN GAJI DAN TUNJANGAN SALARIES AND BENEFITS
» UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE
» PENDAPATAN DAN Annual Report BRISyariah 2013
» INFORMASI MENGENAI Annual Report BRISyariah 2013
» ESTIMASI LIABILITAS IMBALAN KERJA ESTIMATED
» ESTIMASI LIABILITAS Annual Report BRISyariah 2013
» JAMINAN PEMERINTAH Annual Report BRISyariah 2013
» GOVERNMENT GUARANTEES Annual Report BRISyariah 2013
» Type of relationships and related parties transactions continued
» Transaction with related parties
» Transaction with related parties continued
» INFORMASI MENGENAI TRANSAKSI DENGAN PIHAK BERELASI lanjutan
» ANALISA JATUH TEMPO MATURITY ANALYSIS
» ANALISA JATUH TEMPO lanjutan MATURITY ANALYSIS continued
» Manajemen Risiko Kredit MANAJEMEN RISIKO RISK MANAGEMENT
» Credit Risk Management MANAJEMEN RISIKO RISK MANAGEMENT
» Manajemen Risiko Kredit lanjutan
» Credit Risk Management continued
» Risiko Likuiditas Liquidity Risk
» Risiko Likuiditas lanjutan Liquidity Risk continued
» Risiko Operasional Operational Risk
» Risiko Operasional lanjutan Operational Risk continued
» Risiko Hukum MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Legal Risk MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko Hukum lanjutan MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Legal Risk continued MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko Reputasi Reputational Risk
» Risiko Strategis Strategic Risk
» Risiko Strategis lanjutan Strategic Risk continued
» Risiko Kepatuhan lanjutan Compliance Risk continued
» PERJANJIAN KERJASAMA COOPERATION AGREEMENTS
» PERJANJIAN KERJASAMA lanjutan COOPERATION AGREEMENTS continued
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