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