GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
54. PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
54. SIGNIFICANT AGREEMENTS continued d. Nota Kesepahaman MoU dan Perjanjian
Kerjasama dengan beberapa perusahaan BUMN dan Institusi lainnya di Indonesia lanjutand. Memorandum of Understanding MoU and Cooperation Agreements with several state-
owned enterprises and other institutions in Indonesia continued Ruang lingkup dalam nota kesepahaman ini adalah layanan penyimpanan dan pengelolaan dana, layanan cash management, layanan perbankan dalam bidang transaksi valuta asing, money market line, pemberian fasilitas kredit, layanan dan jasa perbankan lainnya. The scope of this MOU consists of fund storage and management services, cash management services, banking services in foreign exchange transactions, money market line, loan facilities granting, and other banking services. 2. Pada tanggal 28 Februari 2012, Bank telah melakukan kesepakatan bersama dengan Pemerintah Kabupaten Bogor tentang Jasa dan Layanan Perbankan di Kabupaten Bogor dengan perjanjian No. 006NKDIR-INS2012 dan No. 58021KBXII2012. 2. On February 28, 2012 the Bank has made agreements with the Bogor Government Regency on the banking services in Bogor Regency under agreements No. 58021KBXII2012 and No. 006NKDIR-INS2012. Ruang lingkup dalam kesepakatan itu antara lain penatausahaan dan pengelolaan sebagian rekening kas daerah dan rekening lainnya dilingkungan Pemerintah Kabupaten Bogor dan pemanfaatan jasa dan layanan perbankan dari Bank. The scope of the agreement include the administration and most of the cash accounts management and other accounts in Bogor Government Regency environment and utilization of services and banking services from Bank. 3. Pada tanggal 29 Februari 2012, Perjanjian Kerjasama telah dilakukan antara Kanwil IV PT Jamsostek Persero tentang Sosialisasi Program Jaminan Sosial Tenaga Kerja Jamsostek dan Jasa Perbankan No. 033PKSDIR-INS2012 dan No. 58021KBXII2012. 3. On February 29, 2012 a Cooperation Agreement had been made between the Regional Office IV PT Jamsostek Persero regarding Dissemination of Labor Social Security Program Jamsostek and banking services No. 033PKSDIR-INS2012 and No. 58021KB XII2012. Sesuai perjanjian tersebut, karyawan Bank mendapatkan manfaat kepesertaan Program Jaminan Sosial Tenaga Kerja. Bank dapat melakukan sosialisasi mengenai jasa perbankan kepada karyawan PT Jamsostek Persero. Under the agreement, the Bank employees obtained the benefits of membership of Labor Social Security Program. On the other hand, the Bank may conduct the socialization of banking services to the employees of PT Jamsostek Persero. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASI Tahun yang berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years ended December 31, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 19754. PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
54. SIGNIFICANT AGREEMENTS continued d. Nota Kesepahaman MoU dan Perjanjian
Kerjasama dengan beberapa perusahaan BUMN dan Institusi lainnya di Indonesia lanjutand. Memorandum of Understanding MoU and Cooperation Agreements with several state-
owned enterprises and other institutions in Indonesia continued 4. Pada tanggal 15 Maret 2012, telah ditandatangani Perjanjian Kerjasama Pelaksanaan Treasury Notional Pooling Rekening Pemerintah pada Bank dengan No. PRJ-3aPB2012 dan No. 037PKSDIR-INS2012. 4. On March 15, 2012, Cooperation Agreements Implementation Notional Pooling Treasury Account at the bank with the Goverment No. PRJ-3aPB2012 and No. 037PKSDIR-INS2012 has been signed. Ruang lingkup perjanjian kerjasama tersebut adalah pemberian layanan Treasury Notional Pooling oleh Bank kepada Kementrian Keuangan Indonesia. The scope of the cooperation agreement is giving services of notional Pooling Treasury by the Bank to the Ministry of Finance Indonesia. 5. Pada tanggal 17 Maret 2009 Bank telah melakukan kesepakatan bersama antara Tim Pembina Sistem Administrasi Manunggal Satu Atap Samsat Provinsi Jawa Barat tentang Pelayanan pengesahan Surat Tanda Nomor Kendaraan STNK setiap tahun, penerimaan Pajak Kendaraan Bermotor PKB dan Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan SWDKLLJ melalui Samsat di sentra-sentra Pelayanan Masyarakat Wilayah Jawa Barat No. 97340-Dispenda dan No. 075DIR-DJS2009. 5. On March 17, 2009, Bank has conducted a mutual agreement with the Adviser Team of One Roof Administration System Samsat of West Java Province on the legistimation service for Certificate of Vehicle Registration Number STNK for every year, motor vehicle tax revenues PKB and the Compulsory Fund Contribution of Road Traffic Accident SWDKLLJ through Samsat in the centers of West Java Community Services No. 97340-Dispenda and No. 075DIR-DJS2009. Ruang lingkup kesepakatan bersama ini adalah pelayanan penerimaan pembayaran pajak kendaraan bermotor baik dilakukan di kantor bersama samsat ataupun diluar kantor bersama samsat outlet dan payment point Bank. The scope of the service agreement are motor vehicle tax receipts done in the office or outside the office with Samsat like Samsat outlet and payment points of the Bank. 6. Pada tanggal 25 April 2012, telah dilakukan penandatanganan Nota Kesepahaman dan Perjanjian Kerjasama dengan PT Garuda Indonesia Persero, Tbk tentang Corporate Sales dengan No. DSPERJMOUDZ-31782012 dan No. 006NKDIR-INS2012. 6. On April 25, 2012, a Memorandum of Understanding and Cooperation Agreement has been signed with PT Garuda Indonesia Persero, Tbk of Corporate Sales No. DSPERJMOUDZ-31782012 and No. 006NKDIR-INS2012.Parts
» Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Establishment and general information about the Bank continued
» Maksud dan tujuan Purpose and objectives
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Jaringan kantor Office network
» Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum saham Public offering of shares Penawaran umum obligasi Public offering of bonds
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Establishment and general information about the subsidiaries continued
» Establishment and general information about the subsidiary continued
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi Principles of consolidation
» Prinsip konsolidasi lanjutan Principles of consolidation continued
» Penjabaran mata uang asing Foreign
» Penjabaran mata uang asing lanjutan Foreign currency translation continued
» Aset keuangan dan liabilitas keuangan Financial assets and liabilities
» Aset keuangan dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Giro pada Bank Indonesia dan bank lain lanjutan
» Current accounts with Bank Indonesia and other banks continued
» Penempatan pada Bank Indonesia dan bank Surat berharga Marketable securities
» Surat berharga lanjutan Marketable securities continued
» Efek-efek yang dibeli dengan janji dijual kembali Reverse Repo
» Marketable securities purchased under agreements to resell Reverse Repo
» Wesel ekspor dan tagihan lainnya
» Instrumen keuangan derivatif SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Instrumen keuangan derivatif lanjutan
» Derivative financial SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Kredit yang diberikan lanjutan Loans continued
» Pembiayaan syariah SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Sharia financing SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan Identification and
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan lanjutan
» Identification and SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investments in shares
» Penyertaan saham lanjutan Investments in shares continued
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi
» Impairment of non-financial assets and commitments and contingencies
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi lanjutan
» Impairment of non-financial assets and commitments
» Beban dibayar dimuka SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prepaid expenses SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Simpanan nasabah, Simpanan nasabah syariah dan Dana syirkah temporer
» Deposits from customers, Sharia deposits from customers and Temporary syirkah
» Simpanan nasabah, Simpanan nasabah syariah
» Simpanan dari bank lain Deposits from other banks
» Efek-efek yang dijual dengan janji untuk dibeli kembali
» Marketable securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Efek hutang yang diterbitkan Debt securities issued
» Pendapatan dan beban bunga Interest income and expense
» Pendapatan dan beban bunga lanjutan Interest income and expense continued
» Pendapatan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fees and commission income sharia
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» Berdasarkan mata uang By currency
» By transactions with certain parties
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rate per annum
» Berdasarkan kolektibilitas GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Transaksi dengan pihak tertentu Transaction with certain parties
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan nama bank By type and counterparty bank
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» Berdasarkan jenis PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By type and counterparty bank continued
» Perubahan cadangan kerugian penurunan
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan penerbit lanjutan SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer continued SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo By maturity
» MARKETABLE SECURITIES Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan
» Berdasarkan jenis, WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By type, currency and relationship
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR DAN TAGIHAN LAINNYA lanjutan
» Berdasarkan jenis, KREDIT YANG DIBERIKAN LOANS
» By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi By economic sector
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kisaran suku bunga Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Ikhtisar kredit KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Non-performing loans by economic sector 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 lainnya sehubungan dengan kredit yang diberikan
» Other significant information relating to loans
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas By type and collectibility
» Berdasarkan jenis akad By type of agreement
» Kisaran setara marjin dan bagi hasil Range of equivalent margin and profit
» Ikhtisar pembiayaan Perubahan cadangan kerugian penurunan nilai Movements
» TAGIHAN AKSEPTASI ACCEPTANCE RECEIVABLES
» PENYERTAAN SAHAM INVESTMENT IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» Movements in the allowance for impairment losses
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» Perubahan cadangan kerugian penurunan nilai properti terbengkalai
» Movements in ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» Berdasarkan jenis dan mata uang By type and currency Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Simpanan nasabah lanjutan Deposits from customers continued
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» Obligasi VII Bank BJB Bank BJB Bonds VII
» Obligasi VII Bank BJB lanjutan Bank BJB Bonds VII continued
» Obligasi VI Bank BJB Bank BJB Bonds VI
» Obligasi VI Bank BJB lanjutan Bank BJB Bonds VI continued
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Movements in the estimated losses on commitments and contingencies
» Taxes payable INCOME TAX a. Hutang pajak
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset pajak tangguhan Deferred tax assets
» Perubahan tarif pajak Changes in tax rate
» Perubahan tarif pajak lanjutan Changes in tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL
» OTHER PAID-UP CAPITAL Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» PENGGUNAAN LABA DISTRIBUTION 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 Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» IMBALAN KERJA EMPLOYEE BENEFITS
» 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 KREDIT lanjutan CREDIT RISK continued RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR FOREIGN EXCHANGE RISK
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» 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 LIABILITAS MONETER DALAM MATA UANG ASING
» MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY
» ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING lanjutan
» MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» Risiko kepatuhan lanjutan Compliance risks continued
» JAMINAN PEMERINTAH Bank Jabar dan Banten Bilingual 31 Des 2012 Released
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM
» ATM terminal operational service provider agreement
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
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