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CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 68 9. TAGIHAN DAN LIABILITAS DERIVATIF lanjutan 9. DERIVATIVE RECEIVABLE AND PAYABLE continued Jangka waktu dari pembelian dan penjualan berjangka valuta asing pada tanggal 31 Desember 2011 berkisar antara 5 sampai 20 hari. contracts and swap contracts for trading purpose. As of December 31, 2011, the Bank‟s instruments have terms ranging from 5 to 20 days. Pada tanggal 31 Desember 2011, rincian tagihan dan liabilitas derivatif adalah sebagai berikut: As of December 31, 2011, the details of derivative receivable and payable are as follows: 2011 Nilai Nosional Tagihan Liabilitas Kontrak Derivatif Derivatif Notional Value Derivative Derivative Contract Receivable Payable PT Bank Mandiri Persero Tbk 317.363 1.968 - PT Bank Mandiri Persero Tbk Cadangan kerugian penurunan nilai - - Allowance for impairment losses Bersih 1.968 - Net Tagihan derivatif pada tanggal 31 Desember 2011 merupakan transaksi pada pihak ketiga. Derivative receivable as of December 31, 2011 are made with a third party. Manajemen Bank berpendapat bahwa tidak terdapat kerugian penurunan nilai tagihan derivatif, oleh karena itu penyisihan kerugian penurunan nilai tidak dibentuk untuk tagihan derivatif. Bank management believes that there is no impairment losses on derivative receivable, therefore there is no allowance for impairment losses on derivative receivable. 10. PENDAPATAN BUNGA MASIH AKAN DITERIMA 10. ACCRUED INTEREST RECEIVABLES 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Kredit yang diberikan 72.275 71.278 96.736 Loans Surat-surat berharga 3.666 7.799 600 Securities Penempatan pada Bank Indonesia dan bank lain 1.761 1.542 711 Placements with Bank Indonesia and other banks Lain-lain 4 15 135 Others Jumlah 77.706 80.634 98.182 Total Pendapatan bunga masih akan diterima berdasarkan mata uang: Accrued Interest Receivables based on currency: 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Rupiah 63.952 72.814 88.504 Rupiah Mata uang asing 13.754 7.820 9.678 Foreign currency Jumlah 77.706 80.634 98.182 Total CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 69 11. BIAYA DIBAYAR DIMUKA 11. PREPAID EXPENSES Akun ini terdiri dari: This account consist of: 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Sewa dibayar dimuka 32.198 31.801 18.604 Prepaid rent Renovasi gedung kantor 4.970 5.233 3.479 Office buildings renovation Karyawan 1.002 3.426 1.539 Employees Taksiran tagihan pajak penghasilan 27.656 3.170 3.170 Estimated Income Taxes Receivable Pemasaran 606 796 1.188 Marketing Lain-lain 26 26 32 Others Jumlah 66.458 44.452 28.012 Total 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan hubungan a. By Type, currency dan relation 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Rupiah Rupiah Pihak berelasi Related Parties Revolving loan 39.983 44.946 45.000 Revolving loan Pihak ketiga Third Parties Revolving loan 6.322.901 6.257.908 5.223.069 Revolving loans Fixed loan 5.291.676 4.647.464 4.633.436 Fixed loans Kredit pemilikan rumah 722.983 586.120 492.778 Housing loans Pinjaman rekening Koran 395.309 342.130 355.443 Overdraft Trust receipt 139.262 133.676 111.402 Trust receipts Kredit pemilikan mobil 137.673 102.862 88.538 Car loans Pinjaman karyawan 31.789 36.037 29.778 Employee loans Kredit wirausaha 2.454 23.002 24.068 Entrepreneurs loans Kredit pemilikan kios 22.733 18.286 8.548 Kiosk loans Kredit tanpa agunan 3.078 3.294 - Unsecured loans Kredit mahasiswa 81 119 3.837 Students loans Jumlah Rupiah 13.109.922 12.195.844 11.015.897 Total in Rupiah Mata Uang Asing Foreign currency Pihak berelasi Related Parties Revolving loan - 469.625 452.996 Revolving loan Pihak ketiga Third Parties Fixed loan 819.775 1.125.151 1.146.128 Fixed loan Revolving loan 1.257.728 750.050 759.819 Revolving loan Trust receipt 24.710 34.690 24.607 Trust Receipt Jumlah Mata Uang Asing 2.102.213 2.379.516 2.383.550 Total in Foreign Currency Jumlah 15.212.135 14.575.360 13.399.447 Total Penyisihan kerugian penurunan nilai 10.201 261.743 288.126 Allowance for impairment losses Jumlah Kredit - Bersih 15.201.934 14.313.617 13.111.321 Total Loans - Net