Berdasarkan jenis, By Type, currency dan relation continued Berdasarkan sektor ekonomi By Economic Sector
a. Berdasarkan jenis,
mata uang dan hubungan lanjutana. By Type, currency dan relation continued
Tingkat bunga rata-rata per tahun adalah sebagai berikut: Average interest rate per year as follows: 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Tingkat bunga rata-rata per tahun: Average interest rate per annum: Rupiah Rupiah Kredit wirausaha 23,78 24,19 24,17 Entrepreneur loans Kredit tanpa agunan 18,21 18,27 - Unsecured loans Kredit mahasiswa 17,54 17,63 14,13 Students loas Kredit pemilikan kios 13,65 14,38 15,36 Kiosk loans Trust receipt 13,06 14,00 14,00 Trust receipt Kredit pemilikan mobil 13,21 13,62 13,91 Car loans Pinjaman rekening koran 12,76 13,60 14,17 Overdraft Kredit pemilikan rumah 11,88 13,16 13,77 Housing loans Fixed loan 12,63 13,12 13,44 Fixed loans Revolving loan 11,86 12,84 13,16 Revolving loans Pinjaman karyawan 9,93 10,25 10,25 Employee loans Mata Uang Asing Foreign Currency Fixed loan 6,49 7,24 7,29 Fixed loans Revolving loan 5,54 6,02 6,07 Revolving loans Trust receipt 6,41 4,87 5,72 Trust receipt b. Berdasarkan sektor ekonomi b. By Economic Sector 31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Rupiah Rupiah Pihak berelasi Related Parties Perdagangan 29.983 29.946 30.000 Trading Jasa - 15.000 15.000 Service Konstruksi 10.000 - - Construction Pihak ketiga Third Parties Jasa 3.306.962 3.219.545 3.456.103 Service Pertanian dan pertambangan 1.967.396 2.085.701 1.866.223 Agribusiness and Mining Konstruksi 1.962.772 2.100.956 1.689.712 Construction Industri 1.542.501 1.370.049 1.049.537 Industry Perdagangan 1.418.251 1.204.036 1.095.740 Trading Transportasi dan komunikasi 620.135 584.073 588.254 Transportation and communication Restoran dan hotel 1.095.307 703.985 554.084 Restaurant and hotel Lain-lain 1.156.615 882.553 671.244 Others Jumlah Rupiah 13.109.922 12.195.844 11.015.897 Total in Rupiah Mata Uang Asing Foreign Currency Pihak berelasi Related Parties Jasa - 469.625 452.996 Service CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 71 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Pendirian dan Informasi Umum Bank Establishment and General Information of
» Pendirian dan Establishment and General Information of the Bank continued Susunan Pengurus Bank
» Susunan Pengurus Bank lanjutan
» Penawaran Umum Saham Bank lanjutan
» Dasar Penyusunan Laporan Keuangan Basis of Financial Statements Preparation
» Dasar Penyusunan Perubahan Kebijakan
» Change in Significant Accounting Policies continued
» Foreign Currency Translations Aset dan Liabilitas Keuangan Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Surat-surat Berharga Securities SUMMARY OF
» Securities continued SUMMARY OF
» Derivative Instruments continued SUMMARY OF
» Loans continued Restrukturisasi Kredit lanjutan
» Penurunan Nilai Aset Keuangan dan Aset Impairment of Financial and Non-Financial Assets
» Impairment of Financial and Non-Financial Assets continued
» Tagihan dan liabilitas akseptasi Acceptances Receivable and Payable Aset Tetap Fixed Assets
» Fixed Assets continued SUMMARY OF
» Interest Income and Expense continued
» Fees and Pendapatan dan Beban Operasional Lainnya Other Operating Incomes and Expenses
» Perpajakan Taxation SUMMARY OF
» Taxation continued SUMMARY OF
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF
» PERTIMBANGAN DAN ESTIMASI AKUNTANSI YANG PENTING SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» Jangka waktu dan kisaran tingkat bunga per tahun surat-surat berharga adalah sebagai Period and
» Penyisihan kerugian penurunan nilai Allowance for Impairment Losses
» TAGIHAN DAN PENYERTAAN DALAM BENTUK SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN DALAM ASET TETAP FIXED ASSETS
» ASET TETAP lanjutan FIXED ASSETS continued
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued PINJAMAN DITERIMA BORROWING
» PINJAMAN DITERIMA lanjutan BORROWING continued PINJAMAN SUBORDINASI SUBORDINATED LOANS
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOANS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLE OTHER LIABILITIES
» IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» MODAL SAHAM DAN MODAL DISETOR LAINNYA CAPITAL STOCK AND OTHER PAID – IN
» BEBAN BUNGA INTEREST EXPENSES BEBAN TENAGA KERJA PERSONNEL EXPENSES
» Utang Pajak Taxes Payable 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
» INFORMASI MENGENAI KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» POSISI DEVISA NETO NET OPEN POSITION
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» MANAJEMEN RISIKO RISK MANAGEMENT
» 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
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar Market Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar lanjutan Market Risk continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Likuiditas Liquidity Risk
» Risiko Operasional Operational Risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko Operasional lanjutan Operational Risks continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Hukum lanjutan Legal Risk continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kepatuhan Compliance Risk
» NILAI WAJAR MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» KUASI-REORGANISASI lanjutan QUASI-REORGANIZATION continued
» KEJADIAN SETELAH TANGGAL NERACA SUBSEQUENT EVENT
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