Berdasarkan KREDIT YANG DIBERIKAN LOANS
f. Ikhtisar
kredit non-performing berdasarkan sektor ekonomi lanjutan f. Non-performing loans by economic sector continued Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total aset keuangan konsolidasi adalah 0,51 dan 0,34 masing-masing untuk 31 Desember 2013 dan 2012. Non-performing loans and sharia financing ratio - net to total financial assets consolidated are 0,51 and 0.34 as of December 31, 2013 and 2012, respectively. Pada tanggal 31 Desember 2013 dan 2012, rasio jumlah cadangan kerugian penurunan nilai aset keuangan yang telah dibentuk berdasarkan PSAK No. 55 Revisi 2011 terhadap jumlah minimum cadangan kerugian penurunan nilai aset keuangan sesuai ketentuan Bank Indonesia masing-masing sebesar 69,66 dan 52,01 As of December 31, 2013 and 2012, the ratio of allowance for impairment losses on financial assets based on SFAS No. 55 Revised 2011 to minimum allowance for impairment losses based on Bank Indonesia regulation is 69.66 and 52.01, respectively. g. Kredit yang direstrukturisasi g. Restructured loans Kredit yang direstrukturisasi pada tanggal- tanggal 31 Desember 2013 dan 2012 masing-masing sebesar Rp173.455 dan Rp208.630. Rincian kredit yang direstrukturisasi adalah sebagai berikut: Restructured loans as of December 31, 2013 and 2012 is amounting to Rp173,455 and Rp208,630, respectively. Details of the restructured loans are as follows: 2013 2012 Perpanjangan jangka waktu Extension of loan period dan penurunan bunga 163.674 171.630 and interest rate reduction Perpanjangan jangka waktu kredit 9.548 35.929 Extension of loan period Tambahan fasilitas 226 978 Additional loan commitments Perpanjangan jangka waktu Extension of loan period dan skema lain 7 93 and other schemes Total 173.455 208.630 Total Rincian kredit yang direstrukturisasi berdasarkan kolektibilitas dan sektor ekonomi adalah sebagai berikut: Restructured loans by collectibility and economic sector are as follow: 2013 Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Current mention Substandard Doutbful Loss Total Konstruksi - 94.917 - - - 94.917 Construction Industri - - - - 59.332 59.332 Industry Jasa-jasa dunia usaha - - - 9.014 - 9.014 Business services Perdagangan 4.814 576 210 - - 5.600 Trading Listrik, gas dan air 4.262 - - - - 4.262 Electricity, gas and water Jasa-jasa sosial - 160 - - - 160 Social services Pengangkutan dan Transportation and pergudangan 162 - - - - 162 warehousing Lain-lain 3 - - - 5 8 Other Total 9.241 95.653 210 9.014 59.337 173.455 Total bank bjb •LaporanTahunan2013AnnualReport 488 Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2013 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS As of December 31, 2013 and For the Year Then ended Expressed in millions of rupiah, unless otherwise stated 90 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» AR BJB 2013 ARA FINAL TERAKHIR
» ASET PRODUKTIF BERMASALAH TERHADAP TOTAL ASET ASET TETAP TERHADAP MODAL 30,81
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok obligasi
» Sumber Daya Manusia Teknologi Informasi
» Human Resources Information Technology Kualitas Layanan
» Inorganic growth of assets through:
» Collection of Third-Party Funds Credit Distribution
» Asumsi Proyeksi Keuangan AR BJB 2013 ARA FINAL TERAKHIR
» Assumption on Financial Projection
» Mengembangkan bjb Incorporated. Faktor Pendukung
» Supporting Factors Faktor Penghambat
» Constraining Factor AR BJB 2013 ARA FINAL TERAKHIR
» Melakukan pengembangan Waroeng bjb Type C. Develop the Waroeng bjb Type C.
» The continuous development of bjb Quickcash application
» Penyelamatan dan Penyelesaian terhadap Kredit Existing Rescue and Settlement of Existing Credit
» Kebijakan Open Selling Kredit Mikro Utama KMU Metode Monitoring Kualitas Kredit Mikro
» Main Micro Credit KMU Open Selling Policy Quality of Micro Credit Monitoring Method
» bank bjb juga bekerjasama dengan beberapa perguruan
» as a respond for that matter, bank bjb has formed a collecting
» for the bjb Primary fixed 1 year mortgage product, this is also
» Terhadap bank bjb Syariah To bank bjb Syariah
» Sistem Manajemen Risiko. Risk Management System.
» Evaluasi Atas Efektivitas Sistem Manajemen Risiko.
» Evaluation Of Risk Management Systems.
» Upaya Pengelolaan Risiko. The Efforts to Manage Risks.
» b Disclosure of Net Receivable Based on Economic Sector - Bank Consolidated with Subsidiary
» Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar
» Rekening Administratif Off- Selisih Aset dengan
» KewajibanLiabilities KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» KewajibanLiabilities Selisih Aset dengan
» Rekening Administratif Off-Balance Selisih Aset dengan
» KewajibanLiabilities Market Risk Disclosure using Standardized Approach
» Rekening Administratif Off-Balance KewajibanLiabilities
» Asadi Budiman bank bjb’s risk profile in the fourth quarter of 2012 was low with a stable
» ≥ 8 ≤ 5 ≥ 8 ≥ 2.5 ≥ 8 ≤ 20 Mengelola hubungan kelembagaan counter party.
» Monitor the establishment of work partnerships by bank bjb and
» bjb call 14049 AR BJB 2013 ARA FINAL TERAKHIR
» Kebijakan Program Program Policy
» Pelaksanaan Kegiatan AR BJB 2013 ARA FINAL TERAKHIR
» Implementation of Activities AR BJB 2013 ARA FINAL TERAKHIR
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan.
» FinancialCost Impact of Implementation Activities. Kebijakan
» Policy Dampak KeuanganBiaya dari Pelaksanaan Kegiatan
» Kebijakan FinancialCost Impact of Implementation Activities Policy
» Dampak KeuanganBiaya dari Pelaksanaan Kegiatan FinancialCost Impact of Implementation Activities
» Kebijakan Policy AR BJB 2013 ARA FINAL TERAKHIR
» Implementation Activities AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum Bank
» Pendirian GENERAL INFORMATION continued
» Maksud dan tujuan GENERAL INFORMATION continued
» Purpose and objectives GENERAL INFORMATION continued
» Purpose and objectives continued
» Jaringan kantor GENERAL INFORMATION continued
» Office network GENERAL INFORMATION continued
» Manajemen eksekutif GENERAL INFORMATION continued
» Executive management GENERAL INFORMATION continued
» Manajemen eksekutif lanjutan GENERAL INFORMATION continued
» Executive management continued GENERAL INFORMATION continued
» Penawaran umum saham GENERAL INFORMATION continued
» Penawaran umum obligasi GENERAL INFORMATION continued
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» INFORMASI UMUM lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Pendirian dan informasi umum entitas anak
» Establishment and GENERAL INFORMATION continued
» Basis of preparation of the consolidated
» Principles of consolidation SUMMARY
» Prinsip konsolidasi lanjutan SUMMARY
» Principles of consolidation continued
» Penjabaran mata uang asing lanjutan
» Aset keuangan dan liabilitas keuangan
» Giro pada Bank Indonesia dan bank lain
» Current accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan bank
» Surat berharga lanjutan SUMMARY
» Marketable securities continued SUMMARY
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo lanjutan
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY
» Derivative financial instruments SUMMARY
» Instrumen keuangan derivatif lanjutan
» Kredit yang diberikan lanjutan
» Pembiayaan syariah lanjutan SUMMARY
» Sharia financing continued Identifikasi dan
» Tagihan dan liabilitas akseptasi
» Acceptances receivable and payable
» Investments in shares SUMMARY
» Fixed assets continued SUMMARY
» Penurunan nilai aset non-keuangan dan
» Beban dibayar dimuka SUMMARY
» Obligations due immediately SUMMARY
» Deposits from customers, Sharia deposits
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Efek hutang yang diterbitkan
» Debt securities issued SUMMARY
» Efek hutang yang diterbitkan lanjutan
» Debt securities issued continued
» Pendapatan dan beban bunga lanjutan
» Interest income and expense continued
» IKHTISAR IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» IKHTISAR AR BJB 2013 ARA FINAL TERAKHIR
» SUMMARY AR BJB 2013 ARA FINAL TERAKHIR
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» KAS AR BJB 2013 ARA FINAL TERAKHIR
» CASH AR BJB 2013 ARA FINAL TERAKHIR
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan
» CURRENT AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan mata uang CURRENT ACCOUNTS WITH OTHER BANKS
» By currency CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan
» Berdasarkan hubungan Based on relationship Berdasarkan bank
» By bank CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan bank lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» By bank continued CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun
» Average interest rates per annum
» Perubahan cadangan kerugian penurunan
» Movements CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan kolektibilitas CURRENT ACCOUNTS WITH OTHER BANKS
» By collectibility CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan hubungan PENEMPATAN PADA BANK INDONESIA DAN
» Based on relationship PENEMPATAN PADA BANK INDONESIA DAN
» Berdasarkan sisa umur hingga jatuh tempo
» By remaining period until maturity
» Berdasarkan jenis dan mata uang
» Berdasarkan jenis dan nama bank
» By type and counterparty bank
» Movements PENEMPATAN PADA BANK INDONESIA DAN
» TAGIHAN DAN LIABILITAS DERIVATIF
» Berdasarkan mata uang dan jenis
» Berdasarkan hubungan DERIVATIVES RECEIVABLE AND PAYABLE
» SURAT BERHARGA AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan penerbit MARKETABLE SECURITIES
» By issuer MARKETABLE SECURITIES
» SURAT BERHARGA lanjutan AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan penerbit lanjutan MARKETABLE SECURITIES continued
» By issuer continued MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo MARKETABLE SECURITIES continued
» By maturity MARKETABLE SECURITIES continued
» Berdasarkan efek pemerintah dan bukan
» By government MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» MARKETABLE SECURITIES AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan KREDIT YANG DIBERIKAN LOANS
» Berdasarkan KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By economic sector KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi lanjutan
» By economic sector continued
» Berdasarkan periode sisa jatuh tempo
» By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit
» By term of credit agreements
» Kisaran suku bunga KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» Movements in KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi pokok KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Informasi KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Other significant information relating to loans continued
» Informasi Other significant information relating to
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil
» Range of equivalent margin and profit sharing
» Ikhtisar PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» ASET TETAP lanjutan FIXED ASSETS continued
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH DAN SIMPANAN NASABAH SYARIAH
» Simpanan nasabah DEPOSITS FROM
» Rincian deposito berjangka berdasarkan
» Details of time deposits by term
» SIMPANAN NASABAH AR BJB 2013 ARA FINAL TERAKHIR
» Berdasarkan jenis dan mata uang lanjutan
» By type and currency continued
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI lanjutan
» Obligasi VII Bank BJB lanjutan
» Bank BJB Bonds VII continued
» Obligasi VI Bank BJB lanjutan
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Hutang pajak PAJAK PENGHASILAN INCOME TAX
» Taxes payable PAJAK PENGHASILAN INCOME TAX
» Manfaat beban pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax benefit expense PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Aset pajak tangguhan - neto Deferred tax assets - net
» Aset pajak tangguhan lanjutan
» Deferred tax assets continued
» Surat ketetapan pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax assessment letters PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Perubahan Tarif pajak lanjutan
» Changes in Tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN AR BJB 2013 ARA FINAL TERAKHIR
» Tingkat bagi hasil Deposito Mudharabah
» Profit sharing from Mudharabah Deposits
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» OTHER PAID-UP CAPITAL AR BJB 2013 ARA FINAL TERAKHIR
» PENGGUNAAN LABA DISTRIBUTIONS OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATANBEBAN NON-OPERASIONAL NON-OPERATING INCOMEEXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN AR BJB 2013 ARA FINAL TERAKHIR
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTY TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» ASET DAN AR BJB 2013 ARA FINAL TERAKHIR
» MONETARY ASSETS AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT AR BJB 2013 ARA FINAL TERAKHIR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko hukum MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Legal risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko reputasi MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Reputational risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko strategis MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Strategic risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko kepatuhan MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Compliance risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» JAMINAN PEMERINTAH AR BJB 2013 ARA FINAL TERAKHIR
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM, CDM dan Drive Thru
» ATM, CDM PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» PERIKATAN-PERIKATAN YANG AR BJB 2013 ARA FINAL TERAKHIR
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» PERIKATAN-PERIKATAN YANG PERIKATAN-PERIKATAN YANG PERISTIWA SETELAH TANGGAL LAPORAN KEUANGAN
» SUBSEQUENT EVENT AR BJB 2013 ARA FINAL TERAKHIR
» PERNYATAAN STANDAR AR BJB 2013 ARA FINAL TERAKHIR
» REVISED AND AR BJB 2013 ARA FINAL TERAKHIR
» 2015 AR BJB 2013 ARA FINAL TERAKHIR
» PENYELESAIAN LAPORAN AR BJB 2013 ARA FINAL TERAKHIR
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