PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
32. GENERAL AND
ADMINISTRATIVE EXPENSES Rincian beban umum dan administrasi adalah sebagai berikut: Included in personnel expenses are compensation salary and renumeration granted to key management Note 1c and 36. The details of general and administrative expense are as follows: 2016 2015 Perbaikan dan pemeliharaan 69.940 65.049 Repairs and maintenance Penyusutan Catatan 15 40.817 31.381 Depreciation Note 15 Pemasaran dan promosi 30.553 30.317 Marketing and promotion Amortisasi Catatan 16 7.252 - Amortization Note 16 Lain-lain 186 88 Others Jumlah 148.748 126.835 Total33. BEBAN PENYISIHAN
KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN NON-KEUANGAN - NETO 33. PROVISION FOR IMPAIRMENT LOSSES ON FINANCIAL AND NON-FINANCIAL ASSETS - NET Rincian beban penyisihan pemulihan kerugian penurunan nilai aset keuangan dan non-keuangan adalah sebagai berikut: The details of provision for reversal of impairment losses on financial and non-financial assets are as follows: 2016 2015 Rupiah Rupiah Kredit yang diberikan Catatan 12h 40.260 102.656 Loans Note 12h Agunan yang diambil alih Catatan 17 17.711 9.554 Foreclosed assets Note 17 Sub jumlah 57.971 112.210 Sub total Mata Uang Asing Foreign Currencies Kredit yang diberikan Catatan 12h 55 6.839 Loans Note 12h Neto 58.026 105.371 Net 34. BEBAN NON-OPERASIONAL - NETO 34. NON-OPERATING EXPENSES - NET Rincian pendapatan beban non-operasional adalah sebagai berikut: Included in personnel expenses are compensation salary and renumeration granted to key management Note 1c and 36. The details of non-operating income expenses are as follows: 2016 2015 Laba penjualan aset tetap Catatan 15 334 1.915 Gain on sale of fixed assets Note 15 Tanggung jawab sosial korporasi 12.428 11.047 Corporate social responsibility Rugi penjualan agunan yang diambil alih Catatan 17 269 - Loss on sale of foreclosed assets Note 17 Lain-lain 3.686 481 Others Neto 8.677 8.651 Net PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2016 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2016 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated - 152 - 35. LABA PER SAHAM DASAR35. BASIC EARNINGS PER SHARE
Laba per saham dihitung dengan membagi laba tahun berjalan dengan jumlah rata-rata tertimbang saham yang beredar pada tahun berjalan. Rincian perhitungan laba per saham dasar adalah sebagai berikut: Basic earning per share is compute by dividing profit for the year with the weighted-average number of shares outstanding during the year. The details of calculation of basic earning per share is as follows: 2016 2015 Laba tahun berjalan untuk perhitungan laba per saham dasar 72.843 71.294 Profit for the year to be accounted for basic earnings per share Jumlah rata-rata tertimbang saham biasa untuk perhitungan laba per saham dasar 13.314 13.088 The weighted-average of common stock for computation of basic earnings per share Laba per saham dasar Rupiah penuh 5,47 5,45 Basic earnings per share full Rupiah amount36. TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI
36. TRANSACTIONS AND BALANCES WITH RELATED PARTIES
Dalam kegiatan usaha normal, Bank melakukan transaksi dengan pihak-pihak berelasi. Transaksi dengan pihak-pihak berelasi tersebut dilaksanakan dengan syarat dan kondisi yang sama sebagaimana dilakukan dengan pihak ketiga. In the normal course of business, the Bank entered into transaction with related parties. Transactions with related parties were conducted under terms and conditions similar to those granted to third parties. Saldo dan Transaksi dengan Pihak-pihak Berelasi Balance and Transactions with Related Parties Rincian saldo dengan pihak-pihak berelasi adalah sebagai berikut: The details of balance with related parties are as follows: 2016 2015 Laporan Posisi Keuangan Statement of Financial Position Kredit yang diberikan - neto Catatan 12 Loans - net Note 12 Panji Yudha Winata 127.183 - Panji Yudha Winata PT Danayasa Arthatama Tbk 74.866 74.732 PT Danayasa Arthatama Tbk PT Jakarta International Hotels Development 70.093 31.882 PT Jakarta International Hotels Development PT Griya Mandiri Perkasa 11.266 17.283 PT Griya Mandiri Perkasa PT Lokta Karya Perbakin 2.490 - PT Lokta Karya Perbakin Indra Sintung Budianto - 4.472 Indra Sintung Budianto Jumlah - Neto 285.898 128.369 Total - Net Persentase dari jumlah kredit yang diberikan 0,72 0,75 Percentage from total loans Persentase dari jumlah aset 0,49 0,51 Percentage from total assetsParts
» :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» Memberikan pelayanan prima pada masyarakat menjadi salah satu kunci sukses kami.
» Memberikan solusi keuangan yang komprehensif dan inovatif sesuai kebutuhan pasar.
» To provide excellent service is one of our key success factors.
» To provide comprehensive and innovative inancial solutions based on market needs.
» Menciptakan manfaat yang optimal bagi stakeholders.
» Menjadi good corporate citizen yang peduli terhadap
» To create optimum beneits for stakeholders.
» pT SUMBEr To be good corporate citizen that cares for its people and environment.
» pT KarYa To be good corporate citizen that cares for its people and environment.
» pT pUSpITa To be good corporate citizen that cares for its people and environment.
» 0.43 To be good corporate citizen that cares for its people and environment.
» 0.41 To be good corporate citizen that cares for its people and environment.
» Baik To be good corporate citizen that cares for its people and environment.
» tingkat risiko yang akan diambil risk appetite dan
» pengawasan aktif Direksi dan Dewan Komisaris.
» Kecukupan kebijakan dan prosedur Manajemen risiko serta penetapan limit risiko.
» active Supervision of Board of Commissioners and Board of Directors.
» The adequacy of risk Management policies, procedures and limits
» Adequacy process of identiication, measurement, monitoring and control of risk management
» Sistem pengendalian internal yang menyeluruh.
» overall internal control system
» active supervision of Board of Directors and Board of Commissioners
» pengendalian Internal Satuan Kerja Audit Intern SKAI telah melakukan
» Sistem Informasi Manajemen pengembangan sistem informasi yang dapat
» Sumber Daya Manusia dan pelatihan Dalam peningkatan kualitas sumber daya manusia,
» Establishment and General Information of the Bank
» Pendirian dan Informasi Umum Bank lanjutan
» Establishment and General Information of the Bank continued
» Penawaran Umum Saham Bank Public Offering of the Bank’s Shares
» Penawaran Umum Saham Bank lanjutan Public Offering of the Bank’s Shares
» Susunan Pengurus Bank dan Karyawan Composition of the Bank’s Management and
» Susunan Pengurus Bank dan Karyawan lanjutan
» Composition of the Bank’s Management and Employees continued
» Completion of the Financial Statements
» a. Pernyataan UMUM lanjutan 2. GENERAL continued
» Statement of Compliance and Basis of Financial Statements Preparation
» Statement of Compliance and Basis of Financial
» Changes to Statements of Financial Accounting Standards “PSAK” and
» Transaksi dan Saldo dalam Mata Uang Asing Transactions and Balances in Foreign
» Aset dan Liabilitas Keuangan Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Kas dan Setara Kas Cash and Cash Equivalents
» Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and
» Efek-efek Marketable Securities UMUM lanjutan 2. GENERAL continued
» Marketable Securities continued UMUM lanjutan 2. GENERAL continued
» Derivative Financial Instruments UMUM lanjutan 2. GENERAL continued
» Loans UMUM lanjutan 2. GENERAL continued
» Loans continued UMUM lanjutan 2. GENERAL continued
» Penyertaan Saham Investments in Shares of Stock
» Acceptance Receivables and Payables
» Fixed Assets continued UMUM lanjutan 2. GENERAL continued
» Aset Takberwujud Intangible Asset
» Intangible Asset continued UMUM lanjutan 2. GENERAL continued
» Prepaid Expenses and Other Assets
» Agunan yang Diambil Alih Foreclosed Assets
» Foreclosed Assets continued UMUM lanjutan 2. GENERAL continued
» Liabilitas Segera Obligations Due Immediately
» Simpanan Nasabah Deposits from Customers
» Pinjaman Subordinasi Subordinated Loan
» Interest Income and Expenses
» Interest Income and Expenses continued
» Pendapatan dan Beban Provisi dan Komisi Fees and Commissions Income and Expense
» Other Operating Income and Expenses
» Perpajakan Taxation UMUM lanjutan 2. GENERAL continued
» Taxation continued UMUM lanjutan 2. GENERAL continued
» Laba per Saham Earnings per Share
» CASH :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» EFEK-EFEK EFEK-EFEK MARKETABLE SECURITIES
» EFEK-EFEK lanjutan MARKETABLE SECURITIES continued
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES KREDIT YANG DIBERIKAN LOANS
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN SAHAM lanjutan INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» ASET TETAP lanjutan FIXED ASSETS continued ASET TAKBERWUJUD INTANGIBLE ASSET
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS
» Prepaid Taxes TAXATION a. Pajak Dibayar di Muka
» Pajak Penghasilan Income Tax
» Pajak Penghasilan lanjutan Income Tax continued
» Pajak Penghasilan lanjutan Income Tax lanjutan
» Beban Imbalan Pasca Kerja Post-Employment Benefits Expense
» Liabilitas Imbalan Pasca Kerja Post-Employment Benefits Liability
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» SHARE CAPITAL :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» TAMBAHAN MODAL DISETOR - NETO ADDITIONAL PAID-IN CAPITAL - NET
» PENDAPATAN BUNGA INTEREST INCOME
» PENDAPATAN BUNGA lanjutan INTEREST INCOME continued
» BEBAN BUNGA INTEREST EXPENSES
» BEBAN OPERASI OPERATIONAL EXPENSES
» GENERAL AND :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» BEBAN NON-OPERASIONAL - NETO NON-OPERATING EXPENSES - NET
» TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI
» TRANSACTIONS AND BALANCES WITH RELATED PARTIES
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» OPERATING SEGMENT INFORMATION Segmen Operasi
» INFORMASI SEGMEN USAHA lanjutan OPERATING SEGMENT INFORMATION
» RISK MANAGEMENT I. Kerangka Manajemen Risiko
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued Risiko Pasar Market Risk
» 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 Reputasi Reputation Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Hukum lanjutan Legal Risk continued
» Risiko Kepatuhan Compliance Risk
» Risiko Kepatuhan lanjutan Compliance Risk continued
» Risiko Stratejik Strategic Risk
» Risiko Stratejik lanjutan Strategic Risk continued
» Marketable securities Loans NILAI WAJAR INSTRUMEN KEUANGAN FAIR
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