USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS continued
6. CURRENT ACCOUNTS WITH OTHER BANKS
continuedd. Cadangan kerugian
penurunan nilai lanjutand. Allowance for
impairment losses continued 2015 2014 Saldo awal 1,589 1,709 Beginning balance Pembalikan selama tahun berjalan 632 - Reversal during the year Penyesuaian karena penjabaran Foreign exchange translation laporan keuangan 51 120 adjustment Saldo akhir 906 1,589 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. Management believes that the allowance for impairment losses is adequate. e. Tingkat suku bunga per tahun e. Annual interest rates Dolar Amerika Serikat United States Dollar 2015 0.01 - 0.25 2015 2014 0.01 - 0.22 20147. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA
7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
a. Berdasarkan jenis dan mata uang a. By type and currency 2015 2014 Rupiah Rupiah Bank Indonesia - FASBI 2,294,069 1,076,504 Bank Indonesia - FASBI Call Money Call Money PT Bank Jabar Banten Tbk 450,000 - PT Bank Jabar Banten Tbk PT Bank Pan Indonesia Tbk 400,000 405,000 PT Bank Pan Indonesia Tbk Lembaga Pembiayaan Ekspor Lembaga Pembiayaan Ekspor Indonesia 250,000 535,000 Indonesia PT Bank Sumitomo Mitsui PT Bank Sumitomo Mitsui Indonesia 250,000 100,000 Indonesia PT Bank KEB Hana Indonesia 200,000 - PT Bank KEB Hana Indonesia PT Bank Mandiri Persero Tbk 200,000 - PT Bank Mandiri Persero Tbk PT Bank ICBC Indonesia 150,000 50,000 PT Bank ICBC Indonesia PT Bank Nationalnobu Tbk 140,000 - PT Bank Nationalnobu Tbk PT Bank Pembangunan PT Bank Pembangunan Daerah Riau 100,000 - Daerah Riau PT Bank Bukopin Tbk - 500,000 PT Bank Bukopin Tbk PT Bank Danamon Tbk - 295,000 PT Bank Danamon Tbk Royal Bank of Scotland, Jakarta - 235,000 Royal Bank of Scotland, Jakarta PT Bank Mizuho Jakarta - 212,000 PT Bank Mizuho Jakarta JP Morgan Chase - 200,000 JP Morgan Chase Deutsche Bank Jakarta - 150,000 Deutsche Bank Jakarta PT Bank DBS Indonesia - 100,000 PT Bank DBS Indonesia Hongkong Shanghai Bank Corp - 100,000 Hongkong Shanghai Bank Corp PT Bank Chinatrust - 90,000 PT Bank Chinatrust Lain-lain 175,000 30,000 Others Deposito berjangka 2,224,256 1,827,975 Time deposits 6,833,325 5,906,479 DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 86 - Page 7. PENEMPATAN PADA BANK LAIN DAN BANK INDONESIA lanjutan 7. PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA continued a. Berdasarkan jenis dan mata uang lanjutana. By type and currency continued
2015 2014 Mata uang asing Foreign currencies Bank Indonesia - FASBI 22,952,025 3,963,200 Bank Indonesia - FASBI Call Money Call Money Deutsche Bank AG, Singapore 1,220,639 - Deutsche Bank AG, Singapore Credit Industriel Et Commercial, Credit Industriel Et Commercial, Singapore 318,428 309,625 Singapore PT Bank ANZ Indonesia 304,649 359,165 PT Bank ANZ Indonesia PT Bank Pan Indonesia Tbk 275,700 24,770 PT Bank Pan Indonesia Tbk PT Bank BNP Paribas Indonesia 275,700 - PT Bank BNP Paribas Indonesia PT Bank DBS Indonesia 275,700 - PT Bank DBS Indonesia Banco do Brasil S.A., London 234,345 - Banco do Brasil S.A., London PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 179,205 146,143 Persero Tbk Hongkong Shanghai Bank Corp., Hongkong Shanghai Bank Corp., London 132,853 144,663 London Bank of Tokyo – Mitsubishi, SGP - 1,857,750 Bank of Tokyo – Mitsubishi, SGP Bank of New York, NY - 313,960 Bank of New York, NY PT Bank Mega Tbk - 185,775 PT Bank Mega Tbk Raiffezen Zentrale, Singapore - 185,775 Raiffezen Zentrale, Singapore PT Bank Internasional Indonesia - 185,775 PT Bank Internasional Indonesia Emirates Nbd, Singapore - 123,850 Emirates Nbd, Singapore First Gulf Bank, Singapore - 123,850 First Gulf Bank, Singapore HSH Nordbank AG, Singapore - - HSH Nordbank AG, Singapore Lain-lain 207,464 278,635 Others Deposito berjangka 206,775 420,116 Time deposits 26,583,483 8,623,052 Total 33,416,808 14,529,531 Total Cadangan kerugian Allowance for penurunan nilai - 2,109 impairment losses Neto 33,416,808 14,527,422 Net Perincian penempatan pada bank lain dan Bank Indonesia berdasarkan mata uang adalah sebagai berikut: Placements with other banks and Bank Indonesia based on currencies are as follows: 2015 2014 Rupiah 6,833,325 5,906,479 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 24,911,563 8,452,144 United States Dollar Pound Sterling Inggris 132,854 153,597 Great Britain Pound Sterling Yuan Cina 1,539,066 - Chinnesse Yuan Euro - 17,311 Euro 26,583,483 8,623,052 Total 33,416,808 14,529,531 Total Cadangan kerugian Allowance for penurunan nilai - 2,109 impairment losses Neto 33,416,808 14,527,422 NetParts
» Laporan Manajemen Risiko kepada Direksi
» Laporan Informasi Manajemen Risiko kepada publik
» Pelaksanaan Fungsi Penerapan Program Anti Pencucian Uang dan Pencegahan
» Pelaksanaan Fungsi implementasi Strategi Anti Fraud
» Penawaran Umum Saham Terbatas I Limited Public Offering I
» Rekapitalisasi Recapitalization GENERAL INFORMATION continued b. Penawaran Umum Perdana Saham
» Recapitalization continued GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Kuasi-reorganisasi Quasi-reorganisation GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Penawaran Umum Saham Terbatas II
» Limited Public Offering II continued
» Penawaran Umum Saham Terbatas III Limited Public Offering III
» Organisasi dan Struktur Manajemen Organizational and Management Structure
» Organizational and Management Structure
» Organizational and Management Structure Entitas Anak Subsidiaries
» GENERAL INFORMATION continued i.
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Basis of preparation of the consolidated financial statements continued
» Financial assets and liabilities
» Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Principles of consolidation continued
» Transaksi dalam mata uang asing dan penjabaran
» Foreign currency SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Efek-efek dan Obligasi Pemerintah Marketable securities and Government
» Marketable securities and Government Bonds continued
» Efek-efek yang dibelidijual dengan janji
» Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Wesel ekspor dan tagihan lainnya
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Derivative financial instruments continued Akuntansi Lindung Nilai lanjutan
» Pinjaman yang diberikan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Financial guarantee contracts SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Equity investments
» Equity investments continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Aset tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Deposits from customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Efek-efek yang diterbitkan Securities issued
» Pinjaman yang diterima Borrowings
» Borrowings continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dana syirkah temporer SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds continued
» Pendapatan bunga SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Interest income and sharia income, interest expense and sharia expense continued
» Pendapatan provisi dan komisi Fees and commission income
» PENGGUNAAN ESTIMASI bni ar 2015 th
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS continued
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA
» By currency Berdasarkan hubungan By relationship
» Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai Allowance for impairment losses
» Cadangan kerugian CURRENT ACCOUNTS WITH OTHER BANKS
» Allowance for CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga per tahun
» Berdasarkan jenis dan mata uang By type and currency
» By type and currency continued
» By relationship PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Penempatan pada PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Placements with other banks pledged as collateral
» Berdasarkan hubungan By relationship
» Berdasarkan penerbit By issuer
» By rating MARKETABLE SECURITIES continued d. Berdasarkan peringkat
» By rating continued MARKETABLE SECURITIES continued d. Berdasarkan peringkat lanjutan
» By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai
» Allowance for impairment losses
» Tingkat suku bunga per tahun Annual interest rates
» By type and currency continued Berdasarkan hubungan By relationship
» Berdasarkan pihak dan mata uang By party and currency
» By party and currency continued
» Allowance for ACCEPTANCES RECEIVABLE continued d. Cadangan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» By relationship continued LOANS continued b. Berdasarkan hubungan lanjutan
» Berdasarkan sektor ekonomi By economic sector
» Pinjaman bermasalah LOANS continued d. Berdasarkan kolektibilitas Bank Indonesia
» Non-performing loans and allowance for impairment losses by economic sector
» Pinjaman yang direstrukturisasi Restructured loans
» Syndicated loans LOANS continued h. Pinjaman sindikasi
» Other significant information relating to
» LOANS continued l. bni ar 2015 th
» Berdasarkan kisaran tanggal jatuh tempo Based on maturity date
» Tingkat suku bunga tetap tahunan Annual fixed interest rates
» Annual floating interest rates
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» SECURITIES PURCHASED bni ar 2015 th
» PREPAID EXPENSES bni ar 2015 th
» EQUITY INVESTMENTS continued Penyertaan jangka panjang lanjutan
» ASET LAIN-LAIN – bni ar 2015 th
» FIXED ASSETS continued bni ar 2015 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» Simpanan yang diblokir dan dijadikan jaminan
» Deposits blocked and pledged as collateral
» Tingkat suku bunga dan bagi hasil per tahun
» Annual interest rates and profit sharing
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
» BEBAN YANG MASIH HARUS DIBAYAR ACCRUED EXPENSES
» PENYISIHAN PROVISION bni ar 2015 th
» PROVISION continued bni ar 2015 th
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» Pajak dibayar dimuka PERPAJAKAN TAXATION
» Taxes payable TAXATION continued b. Utang pajak
» Tax expense continued TAXATION continued c. Beban pajak lanjutan
» Aset pajak tangguhan - neto Deferred tax assets - net
» Deferred tax assets - net continued
» Surat ketetapan pajak Tax assessment letters
» Tax collection letter TAXATION continued e. Surat ketetapan pajak lanjutan
» By type SECURITIES ISSUED a. Berdasarkan jenis
» Berdasarkan mata uang c. By currency
» By type and currency continued Pinjaman bilateral lanjutan
» By type and currency continued Pinjaman penerusan lanjutan
» Annual interest rates BORROWINGS continued c. Tingkat suku bunga per tahun
» By product DANA SYIRKAH TEMPORER - GIRO MUDHARABAH TEMPORARY SYIRKAH FUNDS - MUDHARABAH
» Berdasarkan jangka waktu By period
» Berdasarkan sisa umur jatuh tempo By remaining period to maturity
» Mudharabah time TEMPORARY SYIRKAH FUNDS - MUDHARABAH TIME DEPOSITS
» Deposito Mudharabah yang dijadikan jaminan
» Mudharabah deposits that were used as
» SUKUK MUDHARABAH YANG DITERBITKAN MUDHARABAH SUKUK ISSUED
» Berdasarkan jenis, mata uang dan jangka waktu
» By type, currency and period
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» APPROPRIATION OF NET INCOME continued
» CADANGAN KHUSUS SPECIFIC RESERVES
» PENDAPATAN BUNGA DAN PENDAPATAN SYARIAH
» INTEREST INCOME AND SHARIA INCOME
» BEBAN BUNGA DAN BEBAN SYARIAH INTEREST EXPENSE AND SHARIA EXPENSE
» BEBAN GAJI DAN TUNJANGAN SALARIES
» BEBAN OPERASIONAL LAINNYA - LAIN-LAIN OTHER OPERATING EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS bni ar 2015 th
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» EMPLOYEE BENEFITS continued Program pensiun iuran pasti
» EMPLOYEE BENEFITS continued Imbalan pasca kerja lainnya dan imbalan kerja
» LABA PER SAHAM DASAR DAN DILUSIAN DIATRIBUSIKAN KEPADA PEMILIK ENTITAS
» COMMITMENTS AND CONTINGENCIES bni ar 2015 th
» Jenis hubungan Type of relationships
» Type of relationships continued Pihak berelasiRelated parties
» Loans RELATED PARTY TRANSACTIONS continued b. Pinjaman yang diberikan
» Deposits from customers RELATED PARTY TRANSACTIONS continued c. Simpanan nasabah
» Bank guarantees issued RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Simpanan dari bank lain Deposit from other banks
» Gaji dan tunjangan RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Salaries and benefits RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» RELATED PARTY TRANSACTIONS continued
» INFORMASI SEGMEN SEGMENT INFORMATION
» SEGMENT INFORMATION continued - Konsumer
» SEGMENT INFORMATION continued bni ar 2015 th
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2015 th
» CREDIT RISK continued bni ar 2015 th
» LIQUIDITY RISK bni ar 2015 th
» LIQUIDITY RISK continued bni ar 2015 th
» MARKET RISK continued bni ar 2015 th
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii Risiko mata uang lanjutan
» RISIKO OPERASIONAL OPERATIONAL RISK
» OPERATIONAL RISKcontinued bni ar 2015 th
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» CAPITAL MANAGEMENT continued bni ar 2015 th
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS
» PROGRAM PENGGANTI bni ar 2015 th
» KREDIT KELOLAAN CHANNELING LOANS
» CHANNELING LOANS continued NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
» EVENT AFTER THE REPORTING PERIOD
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