CURRENT ACCOUNTS AND PLACEMENTS WITH BANK INDONESIA continued
4. GIRO DAN PENEMPATAN PADA BANK LAIN lanjutan
4. CURRENT ACCOUNTS AND PLACEMENTS WITH OTHER BANKS lanjutan
e. Perubahan cadangan kerugian penurunan nilai giro dan penempatan pada bank lain adalah sebagai berikut: e. The movements of allowance for impairment losses on current accounts and placements with other banks are as follows: 31 Desember 2015 31 Desember 2014 December 31, 2015 December 31, 2014 Saldo awal tahun - 636 Balance at beginning of the year Pembalikan selama Reversal during tahun berjalan Catatan 30 - 636 the year Note 30 Saldo akhir tahun - - Balance at end of the year Bank melakukan penilaian giro dan penempatan pada bank lain secara individual dengan mempertimbangkan adanya bukti obyektif penurunan nilai. The Bank assessed current accounts and placements with other banks individually for impairment based on whether an objective evidence of impairment exists. Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai tidak diperlukan pada tanggal-tanggal 31 Desember 2015 dan 2014, karena manajemen berkeyakinan bahwa giro dan penempatan pada bank lain dapat tertagih. Management believes that the allowance for impairment losses is not necessary as of December 31, 2015 and 2014, because management believes that current account and placements with other banks are fully collectible. f. Rata-rata tingkat imbal hasil per tahun adalah sebagai berikut: f . The average annual return ratio are as follows: Tahun yang Berakhir pada Tanggal 31 DesemberYear Ended December 31, 2015 2014 Rupiah Rupiah Deposito mudharabah - 7,25 Mudharabah time deposit SIMA 6,10 6,52 SIMA 5. INVESTASI PADA SURAT BERHARGA 5. INVESTMENTS IN MARKETABLE SECURITIES a. Berdasarkan tujuan, jenis dan penerbit: a. By purpose, type and issuer: Tingkat Bagi Hasil Per Nilai wajarNilai tercatat Tahun PeringkatRating Fair valueCarrying value Annual Revenue Tanggal 31 DesemberDecember 31, 31 DesemberDecember 31, Sharing Jatuh Tempo PenerbitIssuer Rate Maturity Date 2015 2014 2015 2014 Diukur pada nilai wajar Measured at fair value Rupiah Rupiah PemerintahGovernment Seri PBS008 7,00 15-Jun-16 - - 49.917 - Seri SR007 8,25 11-Mar-18 - - 44.529 - Seri SR006 8,75 5-Mar-17 - - 664 - Seri SR005 6,00 27-Feb-16 - - 10 - 95.120 - Dolar Amerika Serikat United States Dollar PemerintahGovernment Seri INDOIS18 4,00 21-Nov-18 - - 28.746 - 123.866 - BRISyariah 2015 Annual Report 221 The original financial statements included herein are in the Indonesian language. PT BANK BRISYARIAH CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK BRISYARIAH NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 495. INVESTASI PADA SURAT BERHARGA
lanjutan5. INVESTMENTS IN MARKETABLE SECURITIES continued
a. Berdasarkan tujuan, jenis dan penerbit lanjutan: a. By purpose, type and issuer continued: Tingkat Bagi Hasil Per Nilai wajarNilai tercatat Tahun PeringkatRating Fair valueCarrying value Annual Revenue Tanggal 31 DesemberDecember 31, 31 DesemberDecember 31, Sharing Jatuh Tempo PenerbitIssuer Rate Maturity Date 2015 2014 2015 2014 Diukur pada biaya perolehan Measured at acquisition cost RupiahRupiah PemerintahGovernment Seri PBS006 8,25 15-Sep-20 - - 523.841 397.109 Seri PBS009 7,75 25-Jan-18 - - 496.829 - Seri PBS008 7,00 15-Jun-16 - - 374.640 - Seri SR006 8,75 5-Mar-17 - - 221.725 - Seri SPN-S 04052016 - 4-Mei-16 - - 97.571 - Seri IFR003 9,25 15-Sep-15 - - - 92.005 Seri IFR001 11,80 15-Agus-15 - - - 25.750 PT Bank BNI Syariah - Tahap I Tahun 2015 9,10 26-Mei-18 idAA+sy - 51.046 - PT Adira Dinamika Multi Finance Tbk - Tahap II Tahun 2014 Seri B 10,50 12-Nov-17 idAAAsy idAAAsy 20.000 20.000 Tahap II Tahun 2014 Seri A 9,60 22-Nov-15 - idAAAsy - 10.000 PT Summarecon Agung Tbk - Tahap I Tahun 2013 10,85 11-Des-18 idA+sy - 10.294 - Tahap II Tahun 2014 11,50 10-Okt-19 idA+sy idA+sy 10.000 10.000 PT Perusahaan Listrik Negara Persero - PLN IV Tahun 2010 Seri A 11,95 12-Jan-17 idAAAsy idAAAsy 10.000 10.000 PLN II Tahun 2007 10,40 10-Jul-17 idAAAsy - 4.104 - PT Mayora Indah Tbk - Mayora Indah II Tahun 2012 8,25 9-Mei-17 idAA-sy idAA-sy 6.443 6.383 1.826.493 571.247 Dolar Amerika Serikat United States Dollar PemerintahGovernment Seri INDOIS19 6,13 15-Mar-19 - - 104.866 96.604 Seri INDOIS18 4,00 21-Nov-18 - - 72.035 - Seri INDOIS22 3,30 21-Nov-22 - - 53.794 - 230.695 96.604 2.057.188 667.851 JumlahTotal 2.181.054 667.851 Berdasarkan peringkat yang diterbitkan oleh PT Pemeringkat Efek Indonesia Pefindo According to PT Pemeringkat Efek Indonesia Pefindo ratings Tanpa peringkat Unrated Jumlah nosional atas INDOIS18, INDOIS19, dan INDOIS22 dalam mata uang Dolar Amerika Serikat pada tanggal 31 Desember 2015 adalah masing-masing sebesar USD7.310.921, USD7.607.228 dan USD3.902.378 nilai penuh. The notional amount of INDOIS18, INDOIS19, and INDOIS22 which is denominated in United States Dollar as of December 31, 2015 are amounted to USD7,310,921, USD7,607,228 and USD3,902,378, respectively full amount. Jumlah nosional atas INDOIS 19 dalam mata uang Dolar Amerika Serikat pada tanggal 31 Desember 2014 adalah sebesar USD7.800.115 nilai penuh. The notional amount of INDOIS 19 which is denominated in United States Dollar as of December 31, 2014 is amounted to USD7,800,115 full amount.Parts
» Annual Report BRISyariah 2015
» Kantor Layanan Syariah Produk pembiayaan Financing
» Sharia Services Outlets Produk pembiayaan Financing
» Electronic Network Produk pembiayaan Financing
» Tabungan BRISyariah iB Jaringan Elektronik
» Giro BRISyariah iB Jaringan Elektronik
» Deposito BRISyariah iB Jaringan Elektronik
» KPR BRISyariah iB KPR BRISyariah iB
» Qardh Beragun Emas BRISyariah iB
» KMG BRISyariah iB KMG BRISyariah iB
» Fungsi Pengelolaan Global Market
» Global Market Management Function
» Fungsi International Banking Jaringan Elektronik
» International Banking Function International Banking Services
» International Banking Services Produk pembiayaan Financing
» Business Service and Support Function
» Financial Institution Produk pembiayaan Financing
» Fungsi Bisnis Support Service
» Investment Banking Produk pembiayaan Financing
» Assets and Liabilities Management ALMA
» Produk penghimpunan dana funding Changes in the Board of Commissioners
» Perubahan Dewan Komisaris Annual Report BRISyariah 2015
» Independence of the Board of Commissioners
» Independensi Dewan Komisaris Annual Report BRISyariah 2015
» Changes in the Board of Directors
» Perubahan Direksi Annual Report BRISyariah 2015
» Independensi Direksi Independent Board of Director
» Duties and Responsibilities of the Board of Directors
» Tugas dan Tanggung Jawab Direksi
» Rapat Direksi Annual Report BRISyariah 2015
» Audit Committee Komite Audit
» Risk Monitoring Committe Annual Report BRISyariah 2015
» Komite Pemantau Risiko Annual Report BRISyariah 2015
» Remuneration and Nomination Committee
» Pendirian Bank dan Informasi Umum Bank
» Pendirian Bank dan Informasi Umum lanjutan
» Bank Establishment UMUM lanjutan GENERAL continued
» Dewan Komisaris, UMUM lanjutan GENERAL continued
» Dasar Penyajian Laporan Keuangan Basis of Financial Statements Presentation
» Dasar Penyajian Laporan Keuangan lanjutan
» Basis of Financial Statements Presentation continued
» Transaksi dengan Pihak-Pihak Berelasi Transaction with Related Parties
» Cadangan Kerugian Penurunan Nilai Aset Produktif dan Aset Non-Produktif
» Allowance for Impairment Losses on Earning and Non-Earning Assets
» Cadangan Kerugian Penurunan Nilai Aset Produktif dan Aset Non-Produktif lanjutan
» Allowance for Impairment Losses on Earning
» Giro dan Penempatan pada Bank Indonesia Current Accounts and Placements with
» Giro dan Penempatan pada Bank Lain Current Accounts and Placements with
» Investasi pada Surat Berharga Investments in Marketable Securities
» Investasi pada Surat Berharga
» Investments in Marketable Securities continued
» Piutang Receivables SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Pinjaman Qardh Funds of Qardh
» Pembiayaan Financing SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Pembiayaan lanjutan Financing continued
» Aset yang Diperoleh untuk Ijarah Assets Acquired for Ijarah
» Aset Tetap Premises and Equipment
» Aset Tetap lanjutan Premises and Equipment continued
» Liabilitas Segera Obligations Due Immediately
» Simpanan dari Nasabah dan Bank Lain Deposits from Customers and Other Banks
» Dana Syirkah Temporer Temporary Syirkah Funds
» Dana Syirkah Temporer lanjutan Temporary Syirkah Funds continued
» Pendapatan Pengelolaan Dana oleh Bank sebagai Mudharib
» Revenue from Fund Management by the Bank as Mudharib
» Pendapatan Pengelolaan Dana oleh Bank sebagai Mudharib lanjutan
» Revenue from Fund Management by the Bank as Mudharib continued
» Hak Pihak Ketiga atas Bagi Hasil Dana Syirkah Temporer
» Third Parties Share on Returns of Temporary Syirkah Funds
» Hak Pihak Ketiga atas Bagi Hasil Dana Syirkah Temporer lanjutan
» Third Parties Share on Returns of Temporary Syirkah Funds continued
» Pendapatan Imbalan Jasa Perbankan Fee Based Income from Banking Services
» Imbalan Kerja Employee Benefits
» Imbalan Kerja lanjutan Employee Benefits continued
» Perpajakan Taxation SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Penggunaan Pertimbangan dan Estimasi dan Akuntansi yang Signifikan lanjutan
» Use of Significant Accounting Judgment and Estimates continued
» Transaksi dan Saldo Mata Uang Asing Transaction and Balance in Foreign
» Transaksi dan Saldo Mata Uang Asing lanjutan Transaction and Balance in Foreign currency continued
» Pinjaman yang diterima Fund borrowing Perubahan kebijakan akuntansi dan pengungkapan
» Changes in accounting policies and disclosures
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» Perubahan kebijakan akuntansi dan pengungkapan lanjutan
» Changes in accounting policies and disclosures continued
» GIRO DAN PENEMPATAN PADA BANK INDONESIA
» CURRENT ACCOUNTS AND PLACEMENTS WITH BANK INDONESIA
» GIRO DAN PENEMPATAN PADA BANK INDONESIA lanjutan
» CURRENT ACCOUNTS AND PLACEMENTS WITH BANK INDONESIA continued
» GIRO DAN PENEMPATAN PADA BANK LAIN CURRENT ACCOUNTS AND PLACEMENTS
» GIRO DAN PENEMPATAN PADA BANK LAIN lanjutan
» CURRENT ACCOUNTS AND PLACEMENTS WITH OTHER BANKS lanjutan
» INVESTASI PADA SURAT BERHARGA lanjutan
» INVESTMENTS IN MARKETABLE SECURITIES continued PIUTANG RECEIVABLES
» PIUTANG lanjutan RECEIVABLES continued
» PINJAMAN QARDH lanjutan FUNDS OF QARDH continued
» PEMBIAYAAN MUDHARABAH MUDHARABAH FINANCING
» PEMBIAYAAN MUDHARABAH lanjutan MUDHARABAH FINANCING continued
» PEMBIAYAAN MUSYARAKAH lanjutan MUSYARAKAH FINANCING continued
» BAGI HASIL YANG BELUM DIBAGIKAN UNDISTRIBUTED REVENUE SHARING
» GIRO WADIAH WADIAH DEMAND DEPOSITS
» TABUNGAN WADIAH WADIAH SAVINGS DEPOSITS
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» PINJAMAN YANG DITERIMA FUND BORROWING
» PINJAMAN YANG DITERIMA lanjutan FUND BORROWING continued
» UTANG PAJAK lanjutan TAXES PAYABLE continued
» UTANG PAJAK lanjutan Komite Remunerasi dan Nominasi
» TAXES PAYABLE continued Komite Remunerasi dan Nominasi
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» TABUNGAN MUDHARABAH MUDHARABAH SAVINGS DEPOSITS
» DEPOSITO MUDHARABAH MUDHARABAH TIME DEPOSITS
» DEPOSITO MUDHARABAH lanjutan MUDHARABAH TIME DEPOSITS continued
» EKUITAS EQUITY Komite Remunerasi dan Nominasi
» EKUITAS lanjutan EQUITY continued
» PENDAPATAN DARI JUAL BELI INCOME FROM SALES AND PURCHASES
» PENDAPATAN BAGI HASIL INCOME FROM PROFIT SHARING
» PENDAPATAN DARI IJARAH - NETO INCOME FROM IJARAH - NET
» PENDAPATAN USAHA UTAMA LAINNYA OTHER MAIN OPERATING INCOME
» HAK PIHAK KETIGA ATAS BAGI HASIL THIRD PARTIES’ SHARE ON RETURN
» PENDAPATAN USAHA LAINNYA OTHER OPERATING INCOME
» BEBAN CADANGAN KERUGIAN PENURUNAN NILAI ASET PRODUKTIF DAN NON-PRODUKTIF
» BEBAN GAJI DAN TUNJANGAN SALARIES AND BENEFITS EXPENSE
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSE
» PENDAPATAN DAN BEBAN NON-USAHA – NETO
» NON-OPERATING INCOME AND EXPENSES – NET
» INFORMASI MENGENAI KOMITMEN DAN KONTINJENSI
» INFORMATION ON COMMITMENTS AND CONTINGENCIES
» ESTIMASI LIABILITAS IMBALAN KERJA ESTIMATED LIABILITIES FOR EMPLOYEE
» ESTIMASI LIABILITAS IMBALAN KERJA lanjutan
» ESTIMATED LIABILITIES FOR EMPLOYEE BENEFITS continued
» ESTIMATED LIABILITIES FROM EMPLOYEE BENEFITS continued
» JAMINAN PEMERINTAH Komite Remunerasi dan Nominasi
» GOVERNMENT GUARANTEES Komite Remunerasi dan Nominasi
» Jenis hubungan dan unsur transaksi berelasi Type of relationships and related parties transactions
» Jenis hubungan dan unsur transaksi berelasi lanjutan
» Type of relationships and related parties transactions continued
» Transaksi pihak-pihak berelasi Transaction with related parties
» INFORMASI MENGENAI TRANSAKSI DENGAN PIHAK BERELASI lanjutan
» Transaksi pihak-pihak berelasi lanjutan Transaction with related parties continued
» Risiko Pembiayaan Financing Risk
» Risiko Pembiayaan lanjutan Financing Risk continued
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Risiko Likuiditas lanjutan Liquidity Risk continued
» Risiko Operasional Operational Risk
» Risiko Operasional lanjutan Operational Risk continued
» Risiko Hukum lanjutan Legal Risk continued
» Risiko Kepatuhan Compliance Risk
» NILAI WAJAR ASET DAN LIABILITAS KEUANGAN FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» NILAI WAJAR ASET DAN LIABILITAS KEUANGAN lanjutan
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES continued
» INFORMASI PENTING LAINNYA OTHER SIGNIFICANT INFORMATION
» INFORMASI PENTING LAINNYA lanjutan OTHER
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