Surat-surat berharga Securities Giro pada bank lain Demand Deposit in other bank

PT. Bank Syariah Bukopin dh PT. Bank Persyarikatan Indonesia Catatan atas Laporan Keuangan Untuk tahun yang berakhir pada tanggal-tanggal 31 Desember 2008 dan 2007 Dalam Rupiah PT. Bank Syariah Bukopin formerly Bank Persyarikatan Indonesia Notes for Financial Statement For the year ended on 31st of December 2008 and 2007 In Rupiah Owned until maturity Certificate of Bank of Indonesia Unamortized interest Total Dimiliki hingga jatuh tempo Sertifikat Bank Indonesia Bunga yang belum diamortisasi Jumlah - - - 145,500,000,000 178,025,636 145,321,974,364 2008 2007 Berdasarkan hasil penelaahan dan evaluasi manajemen Bank, kolektibilitas atas seluruh giro pada bank lain pada tanggal 31 Desember 2008 dan 2007, digolongkan lancar. Manajemen Bank berpendapat bahwa jumlah penyisihan kerugian untuk menutup kemungkinan kerugian akibat tidak tertagihnya giro pada bank lain adalah cukup dan telah memenuhi ketentuan Bank Indonesia. Based on the results of the bank management review and evaluation, collectibility of all demand deposits in other banks on 31 December 2008 and 2007, was considered unhampered. Bank management is on the opinion that the amount of loss allowanace to cover the potential loss due to failure to collect demand deposit in other banks was sufficient and has fulfilled the Bank Indonesia requirements 23

6. Surat-surat berharga

Akun ini terdiri dari surat-surat berharga dalam rupiah dengan kualitas lancar, terdiri dari:

6. Securities

This account comprises securities in rupiah with current quality, consisting of: Pihak hubungan istimewa PT. Bank Bukopin, Tbk Dikurangi penyisihan penghapusan Jumlah pihak ketiga Pihak ketiga PT. Bank Rakyat Indonesia Persero Tbk PT. Bank Central Asia Tbk PT. Bank Danamon Tbk PT. Bank Mandiri Persero Tbk PT. Bank Tabungan Negara Persero PT. Bank Pembangunan Daerah Kalimantan Timur PT. Bank Internasional Indonesia Tbk PT. Bank BNP PT. Bank Pensiunan Tabungan Nasional Jumlah Dikurangi penyisihan penghapusan Jumlah Jumlah Bersih 304,215,883,453 3,042,158,835 301,173,724,618 35,966,943 389,660,058 1,180,470 - 309,658 5,331,586 6,005,721 1,646,504 1,575,895 441,676,835 4,416,768 437,260,066 301,610,984,684 Specially related parties PT. Bank Bukopin, Tbk Subtracted by allowance of amortization Total third parties Third Parties PT. Bank Rakyat Indonesia Persero Tbk PT. Bank Central Asia Tbk PT. Bank Danamon Tbk PT. Bank Mandiri Persero Tbk PT. Bank Tabungan Negara Persero PT. Bank Pembangunan Daerah Kalimantan Timur PT. Bank Internasional Indonesia Tbk PT. Bank BNP PT. Bank Pensiunan Tabungan Nasional Total Minus allowance Amortization Total Net Total 309,051,273,562 3,090,512,736 305,960,760,826 52,559,175 21,110,447 14,227,633 13,163,151 11,513,353 5,284,436 3,085,900 1,534,956 1,470,884 123,949,935 1,239,499 122,710,436 306,083,471,262 2008 2007 2,107,908,224 938,667,379 3,046,575,603 3,046,575,603 45,176,632 3,091,752,235 Ikhtisar perubahan penyisihan kerugian giro pada bank lain adalah sebagai berikut: Saldo awal tahun Penyisihan pembalikan selama tahun berjalan Saldo akhir tahun Summary of mutation of allowance of demand deposit loss in other banks is as follows: Beginning Balance Allowance reversal during the current year Ending balance 2008 2007 5. Giro pada bank lain 5. Demand Deposit in other bank a. Berdasarkan jenis Murabahah Modal Kerja Investasi Konsumsi Dikurangi: Penyisihan Kerugian b. Berdasarkan sektor ekonomi Rupiah: Perdagangan Jasa Konstruksi Pertanian Manufaktur Transportasi Tenaga Listrik Pertambangan Lain-lain Dikurangi: Penyisihan Kerugian 39,595,139,065 39,861,882,376 402,689,970 79,859,711,411 798,597,114 79,061,114,297 3,124,700,000 17,550,095,888 18,632,273,061 - 18,500,000,000 - 2,446,284,848 - 19,606,357,614 79,859,711,411 798,597,114 79,061,114,297 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 39,595,139,065 39,861,882,376 402,689,970 79,859,711,411 798,597,114 79,061,114,297 3,124,700,000 17,550,095,888 18,632,273,061 - 18,500,000,000 - 2,446,284,848 - 19,606,357,614 79,859,711,411 798,597,114 79,061,114,297 a. Based on type Murabahah Working Capital Investment Consumption Subtracted: Loss Allowance b. Based on economic sector Rupiahs: Trade Services Construction Agriculture Manufacturing Transportation Electrical Power Mining Others Subtracted: Loss Allowance Lancar Current Dalam Perhatian Khusus In Special Attention Kurang Lancar Less Liquid Diragukan Doubtful Macet Non-Performing Jumlah Total 31 Desember 2008 31st December 2008 7. Pembiayaan Murabahah 7. Murabahah Financing