Risiko Kepatuhan lanjutan Compliance Risk continued
42. NILAI WAJAR INSTRUMEN KEUANGAN lanjutan
42. FAIR VALUE OF FINANCIAL INSTRUMENTS continued
e. Liabilitas segera, simpanan dari nasabah, simpanan dari bank lain dan biaya yang masih harus dibayar dan liabilitas lain-lain e. Liabilities immadiately payable, deposits from customers, deposits from other banks and accrual and other liabilities Estimasi nilai wajar simpanan tanpa jatuh tempo, termasuk simpanan tanpa bunga, adalah sebesar jumlah terhutang ketika utang tersebut dibayarkan. The estimated fair value of deposits with no stated maturity, which includes non-interest bearing deposits, is the amount repayable on demand. Estimasi nilai wajar terhadap simpanan dengan tingkat suku bunga tetap dan beban yang masih harus dibayar dan liabilitas lain-lain yang tidak memiliki kuotasi di pasar aktif ditetapkan berdasarkan diskonto arus kas dengan menggunakan suku bunga hutang baru dengan sisa jatuh tempo yang serupa. Karena sisa jatuh tempo di bawah 1 satu tahun sehingga nilai tercatat dari simpanan dari nasabah, simpanan dari bank lain dan beban yang masih harus dibayar dan liabilitas lain-lain adalah perkiraan yang layak atas nilai wajar. The estimated fair value of fixed interest-bearing deposits and accrual and other liabilities not quoted in an active market is based on discounted cash flows using interest rates for new debts with similar remaining maturity. Since the maturity is below 1 one year, the carrying amount of deposits from customers, deposits from other banks and accrual and other liabilities is a reasonable approximation of fair value. 43. MANAJEMEN MODAL 43. CAPITAL MANAGEMENT Tujuan utama dari kebijakan Bank atas kebijakan pengelolaan modal adalah untuk memastikan bahwa Bank memiliki modal yang kuat untuk mendukung strategi pengembangan ekspansi usaha Bank saat ini dan mempertahankan kelangsungan pengembangan di masa mendatang, dan untuk memenuhi ketentuan kecukupan permodalan yang ditetapkan oleh regulator serta memastikan agar struktur permodalan Bank telah efisien. The primary objectives of the Bank‟s capital management policy are to ensure that the Bank has a strong capital to support the Bank‟s business expansion strategy currently to sustain future development of the business, to meet regulator capital adequacy requirements and also to ensure the efficiency of Bank‟s capital structure. Bank menyusun Rencana Permodalan berdasarkan penilaian dan penelaahan atas kebutuhan kecukupan permodalan yang dipersyaratkan dan mengkombinasikannya dengan tinjauan perkembangan ekonomi terkini dan hasil dari metode stress test. Bank senantiasa akan menghubungkan tujuan keuangan dan kecukupan modal terhadap risiko melalui proses perencanaan modal dan stress test, begitupula dengan bisnis yang didasarkan pada permodalan dan persyaratan likuiditas Bank. Bank undertakes Capital Planning based on assessment and review of the capital situation in terms of the legal capital adequacy requirement, combined with assessment of economic outlooks and stress test result. Bank will continue to link financial and capital adequacy goals to risk appetite through the capital planning process and stress testing method as well as assess the businesses based on Bank‟s capital and liquidity requirements. Kebutuhan permodalan Bank juga direncanakan dan didiskusikan secara rutin yang didukung dengan data-data analisis. The capital needs of the Bank are also discussed and planned on a routine basis supported by data analysis. Rencana Permodalan disusun oleh Dewan Direksi sebagai bagian dan Rencana Bisnis Bank dan disetujui oleh Dewan Komisaris. Perencanaan ini diharapkan akan memastikan tersedianya modal yang cukup dan terciptanya struktur permodalan yang optimal. Capital Planning is prepared by Board of Directors as part of Bank‟s business plan and is approved by the Board of Commissioners. Capital Planning ensures that adequate levels of capital and an optimum mix of the different components of capital are maintained to support Bank‟s strategy.Parts
» Annual Report Bank Artha Graha 2012
» Komite Audit HARRIS C.J. SIMBOLON
» Komite Pemantau Risiko HARRIS C.J. SIMBOLON
» Komite Remunerasi dan Nominasi
» Rudy Tjandra – Direktur Tugas utama: Mengkoordinir dan memantau pelaksanaan
» Komite Kredit Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Loan Committee Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Risk Management Committee Information Technology Steering Committee
» Pengawasan aktif Direksi dan Dewan Komisaris
» Kebijakan dan Prosedur Kebijakan dan prosedur penerapan program APU
» Active supervision of the Board of Directors and the Board of Commissioners
» Policy and Procedure Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Pengendalian Intern Satuan Kerja Audit Intern SKAI telah melakukan
» Sistem Informasi Manajemen Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Sumber Daya Manusia dan Pelatihan
» Internal Audit Internal Audit Unit SKAI conducts regular
» Management Information System Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Human Resources and trainings Trainings in APU and PPT keep on carried out
» Pengawasan aktif Dewan Komisaris dan Direksi Dewan Komisaris dan Direksi bertanggung jawab
» Active supervision of the Board of Commissioners
» Kecukupan kebijakan, prosedur dan penetapan limit
» Kecukupan proses identiikasi, pengukuran,
» Adequacy of policy, procedure and decision limit
» Adequacy of risk identiication, measurement, monitoring and control process including risk
» Sistem pengendalian intern yang menyeluruh Sistem pengendalian intern Bank yang handal dan
» Risiko Pasar Perhitungan Risiko Pasar dengan menggunakan Market Risk
» Risiko Operasional Penerapan Manajemen Risiko untuk Risiko
» Operational Risk Overall Internal Control System
» Risiko Likuiditas Overall Internal Control System
» Liquidity Risk Overall Internal Control System
» Risiko Hukum Overall Internal Control System
» Legal Risk Overall Internal Control System
» Risiko Strategis Overall Internal Control System
» Strategic Risk Overall Internal Control System
» Risiko Kepatuhan Penerapan Manajemen Risiko untuk Risiko
» Compliance Risk Overall Internal Control System
» Risiko Reputasi Overall Internal Control System
» Reputation Risk Overall Internal Control System
» Aktiva ProduktifPerkreditan Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Sumber Dana Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Earning AssetsCredit matters Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Source of Funds Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Pendirian dan Informasi Umum Bank Establishment and General Information of
» Pendirian dan Informasi Umum Bank lanjutan
» Establishment and General Information of the Bank continued
» Susunan Pengurus Bank Composition of the Bank’s Management
» Susunan Pengurus Bank lanjutan Composition of the Bank’s Management
» Penawaran Umum Saham Bank Public Offering of the Bank’s Shares
» Penawaran Umum Saham Bank lanjutan Public Offering of the Bank’s Shares
» a. Dasar Penyusunan Laporan Keuangan
» Basis of Financial Statements Preparation ii.
» Dasar Penyusunan Laporan Keuangan lanjutan
» Basis of Financial Statements Preparation continued
» Pernyataan Kepatuhan lanjutan SUMMARY OF ACCOUNTING POLICIES continued
» Perubahan Kebijakan Akuntansi yang Signifikan
» Change in Significant Accounting Policies
» Perubahan Kebijakan Akuntansi yang Signifikan lanjutan
» Change in Significant Accounting Policies continued
» Penjabaran Mata Uang Asing Foreign Currency Translations
» Aset dan Liabilitas Keuangan lanjutan Financial Assets and Liabilities continued
» Financial Assets and Liabilities continued
» Kas dan Setara Kas Cash and Cash Equivalent
» Giro Wajib Minimum The Minimum Statutory Reserve
» Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan Bank Lain
» Placements with Bank Indonesia and Other Banks
» Penempatan pada Bank Indonesia dan Bank Lain lanjutan
» Placements with Bank Indonesia and Other Banks continued
» Surat-surat Berharga Securities SUMMARY OF ACCOUNTING POLICIES continued
» Surat-surat Berharga continued Securities continued
» Instrumen Derivatif Derivative Instruments
» Instrumen Derivatif lanjutan Derivative Instruments continued
» Kredit yang Diberikan lanjutan Loans continued
» Penurunan Nilai Aset Keuangan dan Aset Non-Keuangan lanjutan
» Impairment of Financial and Non-Financial Assets continued
» Penyertaan Saham Investments in Shares of Stock
» Tagihan dan liabilitas akseptasi Acceptances Receivable and Payable
» Aset Tetap lanjutan Fixed Assets continued
» Biaya Dibayar Dimuka dan Aset Lain-lain Prepaid Expenses and Other Assets
» Agunan yang Diambil Alih Foreclosed Assets
» Liabilitas Segera Liabilities Immediately Payable
» Simpanan Nasabah Deposits from Customers
» Simpanan dari Bank Lain Deposits from Other Banks
» Pinjaman yang Diterima Borrowing
» Pinjaman yang Diterima lanjutan Borrowing continued
» Pinjaman Subordinasi Subordinated Loan
» Pendapatan dan Beban Bunga Interest Income and Expense
» Pendapatan dan Beban Bunga lanjutan Interest Income and Expense continued
» Pendapatan dan Beban Provisi dan Komisi Fees and Commissions Income and
» Pendapatan dan Beban Operasional Lainnya Other Operating Incomes and Expenses
» Perpajakan Taxation SUMMARY OF ACCOUNTING POLICIES continued
» Perpajakan lanjutan Taxation continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» SUMMARY OF ACCOUNTING POLICIES continued
» PERTIMBANGAN DAN ESTIMASI AKUNTANSI YANG PENTING
» SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» PERTIMBANGAN DAN ESTIMASI AKUNTANSI YANG PENTING lanjutan
» SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES continued
» KAS CASH Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» GIRO PADA BANK INDONESIA lanjutan CURRENT ACCOUNTS WITH BANK INDONESIA
» Berdasarkan mata uang dan bank By currency and bank
» By currency and bank continued
» Perubahan penyisihan kerugian penurunan nilai
» Movements in allowance for impairment losses
» Average annual interest rates
» Berdasarkan jenis, mata uang dan bank By type, currency, and bank By type,
» Berdasarkan sisa umur jatuh tempo By remaining maturity period
» Tingkat bunga rata-rata per tahun The average interest rate per annum
» SURAT-SURAT BERHARGA Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» By purpose, type and currency
» Perincian surat-surat berharga berharga berdasarkan tujuan, penerbit, dan peringkat
» Berdasarkan sisa umur jatuh tempo By remaining period to maturity
» Berdasarkan surat berharga pemerintah dan bukan pemerintah
» By government and non-government securities.
» Jangka waktu dan kisaran tingkat bunga per tahun surat-surat berharga adalah sebagai
» Manajemen berpendapat bahwa tidak terdapat
» f. Management believes that there is no
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLE AND PAYABLE
» TAGIHAN DAN LIABILITAS DERIVATIF lanjutan DERIVATIVE RECEIVABLE AND PAYABLE continued
» PENDAPATAN BUNGA MASIH AKAN DITERIMA ACCRUED INTEREST RECEIVABLES
» Berdasarkan jenis, mata uang dan hubungan By Type, currency dan relation
» Berdasarkan jenis, mata uang dan hubungan lanjutan
» By Type, currency dan relation continued
» Berdasarkan sektor ekonomi By Economic Sector
» Berdasarkan sektor ekonomi lanjutan By Economic Sector continued
» Berdasarkan jangka KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sisa umur jatuh tempo By Maturity Term
» Berdasarkan klasifikasi individual dan kolektif
» By individual and collective classification
» Kredit yang direstrukturisasi Restructed loans
» Penyisihan kerugian penurunan nilai Allowance for Impairment Losses
» Berdasarkan Kolektibilitas By Collectibility
» Dalam laporan Batasan Maksimum Pemberian
» In the Legal Lending Limits LLL report
» Rasio kredit bermasalah - bersih pada tanggal
» The ratio of non-performing loans - net on the
» Kredit dijamin antara lain dengan deposito
» Loans secured such as by time deposits, land
» Pada tanggal 31 Desember 2012, 30 Juni 2012,
» As of December 31, 2012, June 30, 2012, and
» TAGIHAN DAN PENYERTAAN DALAM BENTUK SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN DALAM BENTUK SAHAM lanjutan
» INVESTMENT IN SHARES OF STOCK continued
» AGUNAN YANG DIAMBIL ALIH DAN ASET LAIN- LAIN lanjutan
» FORECLOSED ASSETS AND OTHER ASSETS continued
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» PINJAMAN DITERIMA BORROWING Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» PINJAMAN DITERIMA lanjutan BORROWING continued
» PINJAMAN SUBORDINASI SUBORDINATED LOANS
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOANS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLE
» OTHER LIABILITIES Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» MODAL SAHAM DAN MODAL DISETOR LAINNYA
» CAPITAL STOCK AND OTHER PAID – IN CAPITAL
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» TAMBAHAN MODAL DISETOR lanjutan ADDITIONAL PAID-IN CAPITAL continued
» INTEREST INCOME Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» BEBAN BUNGA INTEREST EXPENSES
» BEBAN TENAGA KERJA PERSONNEL EXPENSES
» PENDAPATAN BEBAN NON OPERASIONAL - BERSIH
» NON-OPERATING INCOME EXPENSE - NET
» BEBAN OPERASI OPERATING EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» Pajak Penghasilan Income Taxes
» Pajak Penghasilan lanjutan Income Taxes continued
» Pajak Tangguhan Deffered Tax
» Pajak Tangguhan lanjutan Deferred Tax continued
» LABA PER SAHAM EARNINGS PER SHARE
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK BERELASI
» INFORMATION ABOUT TRANSACTIONS AND BALANCES WITH RELATED PARTIES
» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK BERELASI lanjutan
» INFORMATION ABOUT TRANSACTIONS AND BALANCES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» KREDIT PENERUSAN DARI BANK INDONESIA CHANNELLING
» PEMULIHAN BEBAN PENYISIHAN KERUGIAN PENURUNAN NILAI ASET KEUANGAN DAN
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Pengawasan aktif Dewan Komisaris dan Direksi
» Board of Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Sufficiency of policy, procedure and limit setting
» Kecukupan kebijakan, prosedur dan penetapan limit lanjutan
» Sufficiency of policy, procedure and limit setting continued
» Kecukupan proses Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Sistem pengendalian intern yang menyeluruh
» A comprehensive system of internal control
» 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
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar Market Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar lanjutan Market Risk continued
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Risiko Likuiditas lanjutan Liquidity Risk continued
» Operational Risks Rudy Tjandra – Director Main duty: To coordinate and monitor overall
» Risiko Operasional lanjutan Operational Risks continued
» Risiko Reputasi Reputation Risks
» Risiko Reputasi lanjutan Reputation Risks continued
» Risiko Hukum lanjutan Legal Risk continued
» Risiko Kepatuhan Compliance Risk
» Risiko Kepatuhan lanjutan Compliance Risk continued
» Risiko Stratejik Strategic Risks
» Risiko Stratejik lanjutan Strategic Risks continued
» NILAI WAJAR INSTRUMEN KEUANGAN FAIR VALUE OF FINANCIAL INSTRUMENTS
» NILAI WAJAR INSTRUMEN KEUANGAN lanjutan
» FAIR VALUE OF FINANCIAL INSTRUMENTS continued
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» RASIO ASET PRODUKTIF TERHADAP JUMLAH ASET
» EARNING ASSETS RATIO OF TOTAL ASSETS
» OTHER IMPORTANT INFORMATIONS Rudy Tjandra – Director Main duty: To coordinate and monitor overall
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