INTEREST INCOME 2004 12 Full Audited Financial Statements w Notes
40. GAINS FROM SALE OF SECURITIES AND GOVERNMENT RECAPITALIZATION BONDS
Eight-Month Four-Month Year Ended Year Ended Period Ended Period Ended December 31, December 31, December 31, April 30, 2004 2003 2003 2003 Securities 218,892 254,884 242,214 12,670 Government Recapitalization Bonds 1,365,343 1,868,554 1,556,802 311,752 1,584,235 2,123,438 1,799,016 324,42241. GENERAL AND ADMINISTRATIVE EXPENSES
Eight-Month Four-Month Year Ended Year Ended Period Ended Period Ended December 31, December 31, December 31, April 30, 2004 2003 2003 2003 Depreciation and amortization of premises and equipment 533,559 340,993 250,124 90,869 Rent 346,168 344,068 231,793 112,275 Promotions 321,910 255,305 199,222 56,083 Repairs and maintenance 313,723 225,111 178,704 46,407 Communications 301,263 226,736 166,907 59,829 Professional fees 256,084 203,132 190,090 13,042 Public relations 198,343 184,255 152,076 32,179 Electricity, water and gas 153,664 94,701 72,508 22,193 Office supplies 117,450 100,937 81,374 19,563 Transportation 51,671 32,848 24,022 8,826 Office equipment 20,889 16,860 13,064 3,796 Research and development 8,469 9,713 9,153 560 Others 365,479 214,883 137,584 77,299 2,988,672 2,249,542 1,706,621 542,921 Professional fees include audit and tax services amounting to Rp21,227, Rp16,437 and Rp1,630 for the year ended December 31, 2004, the eight-month period ended December 31, 2003, and the four-month period ended April 30, 2003, respectively. 42. SALARIES AND EMPLOYEE BENEFITS Eight-Month Four-Month Year Ended Year Ended Period Ended Period Ended December 31, December 31, December 31, April 30, 2004 2003 2003 2003 Salaries, wages, pension and tax allowances Note 43 1,337,272 1,133,364 748,509 384,855 Holidays THR, leave and related entitlements 302,524 256,798 183,030 73,768 Employee benefits in kind 148,397 128,716 100,474 28,242 Training and development 125,648 98,303 91,074 7,229 Provisionreversal for post-employment benefit expenses Note 28 84,837 312,609 312,609 - Compensation expense on stock options Note 33 24,942 9,897 9,897 - Bonuses and others 378,137 350,481 231,738 118,743 2,401,757 1,664,950 1,052,113 612,837 In accordance with PSAK No. 24 Revised 2004 regarding Employee Benefits, the Bank have accrued tantiem expense in 2004.Parts
» 2004 12 Full Audited Financial Statements w Notes
» GENERAL 2004 12 Full Audited Financial Statements w Notes
» GENERAL continued 2004 12 Full Audited Financial Statements w Notes
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH OTHER BANKS PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By Type, Currency and Collectibility: continued
» SECURITIES continued 2004 12 Full Audited Financial Statements w Notes
» SECURITIES continued SECURITIES continued
» SECURITIES continued GOVERNMENT RECAPITALIZATION BONDS GOVERNMENT RECAPITALIZATION BONDS continued
» GOVERNMENT RECAPITALIZATION BONDS continued
» OTHER RECEIVABLES - TRADE TRANSACTIONS
» OTHER RECEIVABLES - TRADE TRANSACTIONS continued
» DERIVATIVE RECEIVABLES AND PAYABLES
» DERIVATIVE RECEIVABLES AND PAYABLES continued
» DERIVATIVE RECEIVABLES AND PAYABLES continued LOANS
» LOANS continued LOANS continued
» LOANS continued 2004 12 Full Audited Financial Statements w Notes
» ACCEPTANCES RECEIVABLE 2004 12 Full Audited Financial Statements w Notes
» ACCEPTANCES RECEIVABLE continued INVESTMENTS IN SHARES OF STOCK continued
» INVESTMENTS IN SHARES OF STOCK continued
» INVESTMENTS IN SHARES OF STOCK continued PREMISES AND EQUIPMENT
» PREMISES AND EQUIPMENT continued PREMISES AND EQUIPMENT continued
» PREMISES AND EQUIPMENT continued
» OTHER ASSETS 2004 12 Full Audited Financial Statements w Notes
» OTHER ASSETS continued 2004 12 Full Audited Financial Statements w Notes
» DEPOSITS FROM CUSTOMERS - SAVINGS DEPOSITS DEPOSITS FROM CUSTOMERS - TIME DEPOSITS
» DEPOSITS FROM CUSTOMERS - TIME DEPOSITS continued
» DEPOSITS FROM OTHER BANKS - DEMAND DEPOSITS DEPOSITS FROM OTHER BANKS - INTER-BANK CALL MONEY
» DEPOSITS FROM OTHER BANKS - TIME DEPOSITS continued
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE
» SECURITIES SOLD WITH AGREEMENTS TO REPURCHASE continued
» ACCEPTANCES PAYABLE continued 2004 12 Full Audited Financial Statements w Notes
» SECURITIES ISSUED continued 2004 12 Full Audited Financial Statements w Notes
» FUND BORROWINGS 2004 12 Full Audited Financial Statements w Notes
» FUND BORROWINGS continued 2004 12 Full Audited Financial Statements w Notes
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES
» ESTIMATED LOSSES ON COMMITMENTS AND CONTINGENCIES continued TAXATION
» TAXATION continued 2004 12 Full Audited Financial Statements w Notes
» TAXATION continued d. Corporate income tax expense - deferred
» OTHER LIABILITIES 2004 12 Full Audited Financial Statements w Notes
» OTHER LIABILITIES continued SUBORDINATED LOANS
» SUBORDINATED LOANS continued 2004 12 Full Audited Financial Statements w Notes
» SUBORDINATED LOANS continued SUBORDINATED LOANS continued
» LOAN CAPITAL 2004 12 Full Audited Financial Statements w Notes
» LOAN CAPITAL continued 2004 12 Full Audited Financial Statements w Notes
» MINORITY INTERESTS IN NET ASSETS OF CONSOLIDATED SUBSIDIARIES SHAREHOLDERS’ EQUITY
» SHAREHOLDERS’ EQUITY continued 2004 12 Full Audited Financial Statements w Notes
» MANAGEMENT STOCK OPTION PLAN
» MANAGEMENT STOCK OPTION PLAN continued
» INTEREST INCOME 2004 12 Full Audited Financial Statements w Notes
» INTEREST EXPENSE 2004 12 Full Audited Financial Statements w Notes
» REVERSAL OF ALLOWANCE FOR POSSIBLE LOSSES - OTHERS
» GAINS FROM SALE OF SECURITIES AND GOVERNMENT RECAPITALIZATION BONDS
» GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND EMPLOYEE BENEFITS continued
» PENSION AND SEVERANCE 2004 12 Full Audited Financial Statements w Notes
» PENSION AND SEVERANCE continued
» PENSION AND SEVERANCE continued NON-OPERATING INCOMEEXPENSE - NET
» COMMITMENTS AND CONTINGENCIES 2004 12 Full Audited Financial Statements w Notes
» FOREIGN CURRENCY TRANSACTIONS 2004 12 Full Audited Financial Statements w Notes
» RELATED PARTY TRANSACTIONS continued
» RELATED PARTY TRANSACTIONS continued MATURITY PROFILE
» MATURITY PROFILE continued 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION continued 2004 12 Full Audited Financial Statements w Notes
» SEGMENT INFORMATION continued CAPITAL ADEQUACY RATIO continued
» CUSTODIAL AND TRUST OPERATIONS continued
» CHANNELING LOANS 2004 12 Full Audited Financial Statements w Notes
» CHANNELING LOANS continued 2004 12 Full Audited Financial Statements w Notes
» RISK MANAGEMENT continued 2004 12 Full Audited Financial Statements w Notes
» RISK MANAGEMENT continued SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES
» SIGNIFICANT AGREEMENTS, COMMITMENTS AND CONTINGENCIES continued
» ECONOMIC CONDITIONS 2004 12 Full Audited Financial Statements w Notes
» IMPLEMENTATION OF QUASI-REORGANIZATION 2004 12 Full Audited Financial Statements w Notes
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