Equity investments continued bni ar 2007 th
y. Employee benefits and pension plan continued
Program pensiun iuran pasti Defined contribution plan DPLK Iuran kepada dana pensiun sebesar persentase tertentu gaji pegawai yang menjadi peserta program pensiun iuran pasti BNI dicadangkan dan diakui sebagai biaya ketika jasa telah diberikan oleh pegawai-pegawai tersebut. Pembayaran dikurangkan dari hutang iuran. Iuran terhutang dihitung berdasarkan jumlah yang tidak didiskontokan. Contribution payable to a pension fund equivalent to a certain percentage of salaries of qualified employees under BNI’s defined contribution plan is accrued and recognized as expense when services have been rendered by qualified employees. Actual payments are deducted from the contribution payable. Contribution payable is measured using undiscounted amounts. Program imbalan pasti dan imbalan kerja jangka panjang lainnya Defined benefit plan and other long-term employee benefits Imbalan pasca-kerja dan imbalan kerja jangka panjang lainnya seperti cuti panjang dan penghargaan dicadangkan dan diakui sebagai biaya ketika jasa telah diberikan oleh pegawai yang menjadi peserta program pensiun BNI. Imbalan kerja ditentukan berdasarkan peraturan Grup dan persyaratan minimum Undang-undang Tenaga Kerja No. 132003, mana yang lebih tinggi. Post-employment benefits and other long-term employee benefits such as long service leave and awards are accrued and recognized as expense when services have been rendered by qualified employees. The benefits are determined based on the Group’s regulations and the minimum requirements of Labor Law No. 132003, whichever is higher. Imbalan pasca-kerja dan imbalan kerja jangka panjang lainnya secara aktuaria ditentukan berdasarkan metode projected unit credit. Perkiraan kewajiban pada tanggal neraca merupakan nilai kini imbalan pasti pada tanggal neraca, dikurangi nilai wajar aktiva program dan keuntungan aktuaria yang tidak diakui yang disesuaikan, biaya jasa masa lalu yang belum diakui, biaya pemutusan kontrak kerja dan keuntungankerugian kurtailmen. The post-employment benefits and other long- term employee benefits are actuarially determined using the Projected Unit Credit Method. The estimated liability at balance sheet date represents the present value of the defined benefits obligation at balance sheet date, less the fair value of plan assets, and adjusted for unrecognized actuarial gains or losses, non-vested past service costs, termination costs and curtailment gainloss. Biaya imbalan pasca-kerja yang diakui selama periode berjalan terdiri dari biaya jasa kini, bunga atas kewajiban, keuntungan dan kerugian aktuaria dan biaya jasa lalu dan dikurangi dengan iuran pegawai dan hasil yang diharapkan dari aktiva program. The post-employment benefits expense recognized during the period consists of current service cost, interest on obligation, actuarial gains or losses and past service costs, and reduced by employees’ contributions and expected return on plan assets.Parts
» Jumlah, Komposisi, Kriteria dan Independensi Komisaris termasuk Komisaris Independen
» Jumlah, Komposisi, Kriteria dan Independensi anggota Direksi
» Struktur, keanggotaan, keahlian dan independensi Komite Audit Struktur Komite Audit terdiri dari:
» Rapat Komite Audit selama tahun 2007 Realisasi Program Kerja Komite Audit tahun 2007
» I M P L E M E N TAT I O N O F R I S K M A N A G E M E N T
» Kegiatan Penunjang Bisnis bni ar 2007 th
» Permasalahan Hukum Permasalahan hukum adalah masalah hukum perdata dan pidana yang dihadapi BNI
» Buy back saham dan buy back obligasi
» Pendirian Bank Establishment of the Bank
» Pendirian Bank lanjutan Establishment of the Bank continued
» Penawaran Umum Saham Terbatas I Rights Issue I
» Penawaran Umum Saham Terbatas II Rights Issue II
» Rekapitalisasi Recapitalization bni ar 2007 th
» Penawaran Umum Obligasi bni ar 2007 th
» Public Debt Offering bni ar 2007 th
» Penawaran Umum Obligasi lanjutan
» Public Debt Offering continued
» Struktur dan Manajemen Organizational and Management Structure
» Struktur dan Manajemen lanjutan Organizational and Management Structure
» Anak Perusahaan Subsidiaries bni ar 2007 th
» Anak Perusahaan lanjutan Subsidiaries continued
» Dasar penyajian bni ar 2007 th
» Basis of preparation of the consolidated financial statements continued
» Principles of consolidation bni ar 2007 th
» Principles of consolidation continued
» Current accounts with other banks and Bank Indonesia
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Wesel ekspor dan tagihan lainnya Bills and other receivables
» Instrumen keuangan derivatif bni ar 2007 th
» Derivative financial instruments bni ar 2007 th
» Pinjamanpembiayaanpiutang yang bni ar 2007 th
» Penyisihan kerugian atas aktiva dan estimasi kerugian atas komitmen dan
» Allowance for losses on assets and estimated losses on commitments and
» Allowance for losses on assets and estimated losses on commitment and
» Tagihan dan kewajiban akseptasi
» Acceptances receivable and payable
» Penyertaan saham Equity investments
» Equity investments continued bni ar 2007 th
» Aktiva tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Financing Receivables bni ar 2007 th
» Kewajiban Segera Liabilities Immediately Payable
» Kewajiban Manfaat Polis Masa Depan
» Future Policy Benefit Obligation
» Simpanan nasabah Deposits from customers
» Deposits from customers continued
» Marketable securities issued bni ar 2007 th
» Pendapatan dan beban bunga Interest income and expense
» Perpajakan Taxation bni ar 2007 th
» Imbalan kerja dan dana pensiun Employee benefits and pension plan
» Employee benefits and pension plan continued
» Pendapatan Premi Asuransi dan Beban Underwriting Asuransi
» Insurance Premium Income and Insurance Underwriting Expense
» Berdasarkan mata uang By currency
» By related party and third party
» Berdasarkan kolektibilitas By collectibility
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan transaksi dengan pihak yang mempunyai hubungan istimewa dan pihak
» Annual interest rates bni ar 2007 th
» Berdasarkan jenis dan mata uang - surat- surat berharga
» By type and currency - marketable securities
» Berdasarkan jenis dan mata uang - surat- surat berharga lanjutan
» By related party and third party - marketable securities
» Berdasarkan penerbit bni ar 2007 th
» Berdasarkan peringkat bni ar 2007 th
» Berdasarkan kolektibilitas - surat-surat berharga
» By collectibility - marketable securities
» Tingkat suku bunga per tahun - surat-surat
» Surat-surat berharga yang dibeli dengan janji dijual kembali
» Securities purchased under agreement to resell
» Berdasarkan kolektibilitas By collectibility Annual interest rates:
» Berdasarkan jenis, mata uang dan transaksi dengan pihak yang mempunyai hubungan
» By type, currency and transactions with related parties and third parties
» By type, currency and transactions with related parties and third parties continued
» Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Pinjaman bermasalah bni ar 2007 th
» Non-performing loans and allowance for losses by economic sector continued
» Tingkat suku bunga dan bagi hasil per tahun:
» Annual interest and profit sharing rates
» Pinjaman yang direstrukturisasi bni ar 2007 th
» Restructured loans bni ar 2007 th
» Pinjaman yang direstrukturisasi lanjutan
» Restructured loans continued bni ar 2007 th
» Kredit sindikasi Syndicated loans
» Pinjaman yang dibeli dari BPPN Loans purchased from IBRA
» Penyisihan kerugian Allowance for losses Fasilitas pembiayaan dengan perusahaan pembiayaan
» Financing arrangements with multi-finance companies
» Fasilitas pembiayaan dengan perusahaan pembiayaan lanjutan
» Financing arrangements with multi-finance companies continued
» Other significant information relating to
» Penyertaan modal sementara Temporary equity participation
» Penyertaan modal sementara lanjutan Temporary equity participation continued
» Penyertaan jangka panjang Long-term equity investments
» Penyertaan jangka panjang lanjutan Long-term equity investments continued
» Tabungan berdasarkan jenis Savings accounts by type
» Simpanan yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan
» Deposits blocked and pledged as loan collateral
» By type continued bni ar 2007 th
» Tingkat suku bunga per tahun Annual interest rates
» Pinjaman luar negeri dan lain-lain Annual interest rates
» Hutang pajak lebih bayar pajak Taxes payable overpayment of tax
» Pajak penghasilan Income tax benefit expense
» Pajak penghasilan lanjutan Income tax benefit expense continued
» Rekonsiliasi tarif pajak Tax rate reconciliation
» Aktiva kewajiban pajak tangguhan Deferred taxes assets liability
» Surat Ketetapan Pajak Tax assessment letter
» Surat Ketetapan Pajak lanjutan Tax assessment letter continued
» Value Added Tax VAT on Murabahah
» Administrasi Administration bni ar 2007 th
» Pinjaman subordinasi tahun 2003 - USD100 juta
» The 2003 subordinated debt - USD100 million
» Pinjaman subordinasi tahun 2003 - USD100 juta lanjutan
» The 2003 subordinated debt - USD100 million continued
» Pinjaman subordinasi tahun 2002 - USD150 juta
» The 2002 subordinated debt - USD150 million
» Pinjaman yang diberikan Loans
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