Informasi pokok lainnya sehubungan
i. Informasi pokok lainnya sehubungan
dengan kredit yang diberikan lanjutan i. Other significant information relating to loans continued Setelah pembelian kredit tersebut, BPD Sultra akan bertindak selaku pihak yang melakukan penagihan kepada debitur, memelihara dan mengadministrasikan tagihan secara tertib untuk kepentingan Bank dan melakukan penyetoran atas pembayaran yang diterima dari debitur baik berupa angsuran, bunga dan atau liabilitas lainnya yang menjadi hak Bank termasuk dalam hal terjadinya pembayaran dipercepat oleh debitur ke rekening penampung BPD Sultra di Bank BJB, selambat-lambatnya dua hari kerja berikutnya sejak diterimanya pembayaran dari debitur. Atas jasa pengelolaan piutang tersebut, BPD Sultra mendapat imbalan sebesar 20 dari setiap liabilitas bunga debitur yang telah disetor oleh BPD Sultra dan diterima oleh Bank. After the purchase of loan, BPD Sultra will act as a party who collect from debtors, maintain and administers the loan for the Bank‟s interest and transfer the payment received from the debtors such as principal, interest and other liabilities payment, including advance payment from debtor to BPD Sultra account in Bank BJB, at the latest of two working days after the payment is received from the debtor. For the services rendered, BPD Sultra will receive a fee at 20 of every debtor interest obligation paid by BPD Sultra and received by the Bank. 13. PEMBIAYAAN SYARIAH 13. SHARIA FINANCING Pembiayaan dengan prinsip syariah seluruhnya diberikan dalam mata uang rupiah. All sharia financing were granted in rupiah currency.a. Berdasarkan jenis dan kolektibilitas
a. By type and collectability
Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 30 Juni 2017 Current mention Substandard Doubtful Loss Total June 30, 2017 Pihak ketiga Third parties Modal kerja 324.896 200.830 39.296 1.994 637.471 1.204.487 Working capital Investasi 2.898.723 147.885 31.875 14.079 34.203 3.126.765 Investment Konsumsi 751.513 110.353 1.311 3.707 135.368 1.002.250 Consumer Sindikasi 12.318 - - - - 12.318 Syndicated Karyawan 82.715 - - - - 82.715 Employees Total 4.070.165 459.068 72.482 19.780 807.042 5.428.537 Total Cadangan kerugian Allowance penurunan nilai 8.938 15.642 3.936 4.140 695.702 728.358 for impairment losses Neto 4.061.227 443.426 68.546 15.640 111.340 4.700.179 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2016 Current mention Substandard Doubtful Loss Total December 31, 2016 Pihak ketiga Third parties Modal kerja 690.866 123.170 592.280 2.691 173.047 1.582.054 Working capital Investasi 370.750 108.869 16.994 41.123 82.397 620.133 Investment Konsumsi 2.902.661 120.844 17.218 8.272 30.146 3.079.141 Consumer Sindikasi 15.491 - - - - 15.491 Syndicated Karyawan 73.301 - - - - 73.301 Employees Total 4.053.069 352.883 626.492 52.086 285.590 5.370.120 Total Cadangan kerugian Allowance penurunan nilai 8.345 12.642 421.226 11.637 265.334 719.184 for impairment losses Neto 4.044.724 340.241 205.266 40.449 20.256 4.650.936 Net Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA LAPORAN KEUANGAN KONSOLIDASIAN 30 JUNI 2017 DAN 31 DESEMBER 2016 SERTA PERIODE YANG BERAKHIR PADA TANGGAL 30 JUNI 2017 DAN 2016 PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 2017 AND DECEMBER 31, 2016 AND FOR THE PERIOD THEN ENDED JUNE 30, 2017 AND 2016 107 13. PEMBIAYAAN SYARIAH lanjutan 13. SHARIA FINANCING continued b. Berdasarkan jenis akad b. By type of agreement 30 Juni 31 Desember June 30, 2017 December 31, 2016 Murabahah 4.372.082 4.246.262 Murabahah Musyarakah 775.544 830.645 Musyarakah Mudharabah 210.565 223.543 Mudharabah Qardh 68.777 69.017 Qardh Istishna 1.569 653 Istishna Total 5.428.537 5.370.120 Total Cadangan kerugian penurunan nilai 728.358 719.184 Allowance for impairment losses Neto 4.700.179 4.650.936 Netc. Berdasarkan sektor ekonomi
c. By economic sector
Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 30 Juni 2017 Current mention Substandard Doubtful Loss Total June 30, 2016 Jasa dunia usaha 312.219 17.610 184 1.721 42.254 373.988 Business services Perdagangan 191.934 16.762 1.110 1.376 604.481 815.662 Trading Konstruksi 135.302 3.493 - 1.204 28.921 168.920 Constructions Pengangkutan dan Transportation pergudangan 150.082 109.374 274 84 14.530 274.344 and warehousing Jasa-jasa sosial 277.347 20.547 40.359 705 5.034 343.992 Social services Industri 115.794 144.738 180 188 34.420 295.319 Industry Pertambangan 500 - 43 - 15.049 15.592 Mining Electricity, gas and Listrik, gas dan air 42.746 3.413 - 500 40 46.699 water Pertanian 25.768 1.528 239 - 16.147 43.682 Agriculture Lain-lain 2.818.473 141.603 30.092 14.001 46.166 3.050.336 Others Total 4.070.165 459.068 72.481 19.779 807.042 5.428.537 Total Cadangan kerugian Allowance penurunan nilai 8.938 15.642 3.936 4.140 695.702 728.358 for impairment losses Neto 4.061.228 443.426 68.545 15.639 111.340 4.700.179 Net Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Total 31 Desember 2016 Current mention Substandard Doubtful Loss Total December 31, 2016 Jasa dunia usaha 275.141 87.149 2.255 473 38.879 403.897 Business services Perdagangan 245.657 74.954 23.305 1.874 62.784 408.574 Trading Konstruksi 127.515 1.526 567.147 - 38.393 734.581 Constructions Pengangkutan dan Transportation pergudangan 37.372 371 8.121 1.056 30.993 77.913 and warehousing Jasa-jasa sosial 249.466 24.738 10.513 2.087 9.777 296.581 Social services Industri 131.092 24.262 518 818 33.934 190.624 Industry Pertambangan 513 44 - - 16.983 17.540 Mining Electricity, gas and Listrik, gas dan air 16.537 35 - 40 - 16.612 water Pertanian 8.518 2.055 260 35 14.541 25.409 Agriculture Lain-lain 2.961.258 137.749 14.373 45.703 39.306 3.198.389 Others Total 4.053.069 352.883 626.492 52.086 285.590 5.370.120 Total Cadangan kerugian Allowance penurunan nilai 8.345 12.642 421.226 11.637 265.334 719.184 for impairment losses Neto 4.044.724 340.241 205.266 40.449 20.256 4.650.936 NetParts
» Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Jaringan kantor Office network
» Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum saham Public offering of shares
» Penawaran umum obligasi INFORMASI UMUM lanjutan GENERAL INFORMATION continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasian Principles of consolidation
» Penjabaran mata uang asing lanjutan Foreign currency translation continued
» Aset keuangan dan liabilitas keuangan Financial assets and liabilities
» Aset keuangan dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Placements with Bank Indonesia and other Surat berharga Marketable securities
» Surat berharga lanjutan Marketable securities continued
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Marketable securities purchased under agreements to resell Reverse Repo
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» j. Derivative financial instruments Kredit yang diberikan Loans
» Pembiayaanpiutang syariah lanjutan Sharia financingreceivables continued
» Pembiayaanpiutang syariah lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan
» Identification and SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investment in shares
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan Impairment of non-financial assets
» Penurunan nilai SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Beban dibayar dimuka SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prepaid expenses SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Simpanan nasabah, simpanan nasabah syariah dan dana syirkah temporer
» Deposits from customers, sharia deposits from customers and temporary syirkah
» Simpanan nasabah, simpanan nasabah syariah
» Simpanan nasabah, Simpanan nasabah syariah Simpanan dari bank lain Deposits from other banks
» Simpanan dari bank lain lanjutan Deposits from other banks continued
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Marketable securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Efek hutang yang diterbitkan Debt securities issued
» Pendapatan bunga, beban bunga dan bagi hasil syariah lanjutan
» Interest income, interest expense and sharia profit sharing continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued PERTIMBANGAN, ESTIMASI DAN ASUMSI
» PERTIMBANGAN, ESTIMASI DAN ASUMSI
» KAS CASH Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» GIRO PADA BANK INDONESIA CURRENT
» Berdasarkan mata uang By currency
» Berdasarkan hubungan Based on relationship
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rates per annum
» Perubahan cadangan kerugian penurunan nilai
» Movements in GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan jenis, hubungan dan mata uang
» Based on type, relationship and currency
» Berdasarkan sisa umur hingga jatuh tempo By remaining period until maturity
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Berdasarkan jenis By type and counterparty bank continued
» Movements in PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan mata uang Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued
» Berdasarkan jatuh tempo By maturity
» Jatuh tempo dan suku bunga Maturity and interest rate
» Jatuh tempo dan suku bunga lanjutan Maturity and interest rate continued
» Berdasarkan pemerintah SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Tingkat suku bunga rata-rata per tahun
» Manajemen berpendapat bahwa cadangan
» Bank mengakui keuntungan yang belum
» Bank mengakui keuntungan kerugian bersih
» Surat berharga SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan jenis, By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Berdasarkan periode sisa jatuh tempo By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kredit non-performing berdasarkan sektor Kredit yang direstrukturisasi Restructured loans
» Perubahan cadangan kerugian penurunan nilai lanjutan
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil per tahun adalah sebagai berikut:
» Range of equivalent margin and profit sharing per annum are as follows:
» Pembiayaan syariah PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing sharia PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Berdasarkan kolektibilitas PENYERTAAN SAHAM INVESTMENTS IN SHARES
» By collectibility PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Movements in the allowance for impairment losses
» PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued ASET TETAP FIXED ASSETS
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» By type and currency Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Simpanan nasabah lanjutan Deposits from customers continued
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» EFEK HUTANG YANG DITERBITKAN lanjutan DEBT SECURITIES ISSUED continued
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Pajak dibayar dimuka Prepaid taxes Utang pajak Taxes payable
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset liabilitas pajak tangguhan - neto Deferred tax assets liabilities
» Aset liabilitas pajak tangguhan - neto lanjutan
» Deferred tax assets liabilities – net
» Perubahan Tarif pajak Changes in Tax rate
» Uang Muka Pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax Advances PAJAK PENGHASILAN lanjutan INCOME TAX continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE LIABILITAS LAIN-LAIN OTHER LIABILITIES
» LIABILITAS LAIN-LAIN lanjutan OTHER LIABILITIES continued MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» PENGGUNAAN LABA DISTRIBUTION OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» BEBAN BUNGA DAN BAGI HASIL SYARIAH lanjutan
» INTEREST EXPENSE AND SHARIA PROFIT SHARING continued
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan
» OTHER OPERATING EXPENSES continued
» PENDAPATAN BEBAN NON-OPERASIONAL NON-OPERATING INCOME EXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» ASET KEUANGAN IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan RELATED PARTY TRANSACTIONS continued
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» CAPITAL MANAGEMENT MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» JAMINAN PEMERINTAH Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automated Teller Machine “ATM”
» Jasa Bank Pengumpulan Uang Tol Collection of Toll Fees
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» SIGNIFICANT AGREEMENTS continued c. Memorandum of Understanding MoU and
» SIGNIFICANT AGREEMENTS continued c. Memorandum of Understanding MoU
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