INTEREST EXPENSE bankreport annual report 2017 120

836 Laporan Tahunan Bank SULUTGO 2016 | Annual Report Bank SULUTGO 2016 PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON 31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015 Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated

27. BEBAN ADMINISTRASI DAN UMUM

27. GENERAL AND ADMINISTRATION EXPENSES

Akun ini terdiri dari : This account consists of : Sewa Rental Profesional Professional Asuransi Insurance Pajak kendaraan, bumi bangunan dan lain-lain Taxes of vehicle, earth building and others Pemeliharaan dan perbaikan Maintenance and repair Penyusutan aset tetap Fixed assets depreciation Amortisasi emisi obligasi Amortization of bond issuance Barang dan jasa Goods and services Perjalanan dinas Official trip Administrasi bank Bank charges Lain-lain Others Jumlah Total

28. BEBAN PROMOSI

28. PROMOTIONAL EXPENSE

Akun ini terdiri dari : This account consists of : Promosi Promotion Jumlah Total

29. BEBAN PREMI PROGRAM PENJAMINAN PEMERINTAH

29. GOVERNMENT PREMIUMS GUARANTEE PROGRAM EXPENSES

Akun ini terdiri dari : This account consists of : Premi program penjaminan Pemerintah Government premiums guarantee program Jumlah Total

30. KERUGIAN DARI PERUBAHAN NILAI WAJAR ASET KEUANGAN

30. LOSS FROM CHANGES IN FAIR VALUE OF FINANCIAL ASSETS

Akun ini terdiri dari : This account consists of : Kerugian dari perubahan nilai wajar aset keuangan Loss from changes in fair value of financial assets Jumlah Total

31. PENDAPATAN BEBAN NON OPERASIONAL

31. NON OPERATING INCOME EXPENSES

Akun ini terdiri dari : This account consists of : Pendapatan non operasional Non operating income Sewa Rent Laba penjualan aset tetap Gains on sales of fixed assets Lain-lain Others Sub jumlah Sub total Beban non operasional Non operating expenses Denda Penalties Corporate Social Resposibility CSR Corporate Social Resposibility CSR Lain-lain Others Sub jumlah Sub total Jumlah Total 18.832.193.861 60.345.060.327 Pendapatan lain-lain merupakan pendapatan diterima Bank, diantaranya dari denda atas pencairan deposito yang belum jatuh tempo dan selisih lebih kas teller. Others income presents income received by Bank including penalty on withdrawl of deposits before the maturity date and axcess amount from cashiers. Beban lain-lain merupakan beban CSR, beasiswa, imbalan perfomance contest, koreksi biaya tahun lalu, beban kebutuhan direksi, beban siswa magang, fasilitas sarana teknologi, pembayaran uang lainnya, bantuan kepada nasabah, selisih ATM, dan beban non operasional lainnya. Others expenses are CSR, scholarship, return perfomance contest, corrections of last year costs, directors requirement expense, student internships expenses, technology infrastructure facilities, other cash payments, assistance to customers, the difference in ATM, and other non-operational expenses. - 20.000.000.000 28.898.356.072 175.324.555 29.107.970.705 61.798.887.534 30.786.461.305 33.968.100.717 12.768.812.999 13.437.868.498 18.008.749.635 16.206.472.353 1.231.899.747 5.302.620.985 8.165.118.155 3.846.966.418 3.877.050.110 4.120.421.491 251.811.597.441 203.560.519.171 31 Desember December 31, 2016 2015 83.291.334.003 76.837.301.347 31.901.093.631 30.303.158.900 209.614.633 41.623.562.979 31 Desember December 31, 2016 2015 - - 300.000 81.100.000 21.979.477.021 21.549.835.212 21.979.477.021 21.549.835.212 31 Desember December 31, 2016 2015 10.275.476.844 1.372.727.207 10.275.776.844 1.453.827.207 26.083.950.995 24.853.987.911 26.083.950.995 24.853.987.911 31 Desember December 31, 2016 2015 200.311.769.470 271.533.768.050 200.311.769.470 271.533.768.050 10.488.099.194 12.895.698.306 11.861.172.155 692.687.197 30 Desember December 31, 2016 2015 39.431.806.507 31.740.619.570