SUBORDINATED BONDS Laporan Keuangan Juni 2015
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 92 - Rincian saldo transaksi dengan pihak-pihak yang
berelasi dengan Bank adalah sebagai berikut: The details of balances with related parties of the
Bank are as follows:
30 Juni June 2015
Rp Juta Rp Million
Aset Assets
Giro pada bank lain Current accounts with other bank
Woori Bank, Tokyo 816
Woori Bank, Tokyo Persentase terhadap jumlah aset
0.004 Percentage of total assets
Pinjaman yang diberikan - bruto Loans - gross
Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors
dan karyawan kunci and key employees
PT Api Metra Palma 31,461
PT Api Metra Palma PT Medco Power Indonesia
1,122 PT Medco Power Indonesia
Sonar Soni Panigoro 2,356
Sonar Soni Panigoro Roni Pramaditia
1,140 Roni Pramaditia
Lainnya masing-masing di bawah Rp 1.000
5,566 Others each below Rp 1,000
41,645 Persentase terhadap jumlah aset
0.229 Percentage of total assets
Biaya dibayar dimuka Prepayments
PT Medco Intidinamika 681
PT Medco Intidinamika Api Metra Graha
927 Api Metra Graha
1,608 Persentase terhadap jumlah aset
0.009 Percentage of total assets
Liabilitas Liabilities
Liabilitas segera Liabilities due immediately
Woori Bank, Korea 188,408
Woori Bank, Korea Persentase terhadap jumlah liabilitas
1.330 Percentage of total liabilities
Simpanan dari nasabah 344,161
Deposits from customers
Persentase terhadap jumlah liabilitas 2.429
Percentage of total liabilities
Beban bunga yang masih harus dibayar
555 Accrued interest expense
Persentase terhadap jumlah liabilitas 0.004
Percentage of total liabilities
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 93 -
31 Desember December 2014
Rp Juta Rp Million
Aset Assets
Giro pada bank lain Current accounts with other bank
Woori Bank, Tokyo 766
Woori Bank, Tokyo Persentase terhadap jumlah aset
0.005 Percentage of total assets
Pinjaman yang diberikan - bruto Loans - gross
Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors
dan karyawan kunci 1,094
and key employees PT Api Metra Palma
21,035 PT Api Metra Palma
PT Medco Power Indonesia 1,288
PT Medco Power Indonesia Sonar Soni Panigoro
2,460 Sonar Soni Panigoro
Roni Pramaditia 1,231
Roni Pramaditia Lainnya masing-masing
di bawah Rp 1.000 4,384
Others each below Rp 1,000 31,492
Persentase terhadap jumlah aset 0.192
Percentage of total assets
Biaya dibayar dimuka Prepayments
PT Medco Intidinamika 1,390
PT Medco Intidinamika Api Metra Graha
1,318 Api Metra Graha
2,708 Persentase terhadap jumlah aset
0.016 Percentage of total assets
Liabilitas Liabilities
Liabilitas segera Liabilities due immediately
Woori Bank, Korea 55,067
Woori Bank, Korea Persentase terhadap jumlah liabilitas
0.440 Percentage of total liabilities
Simpanan dari nasabah 318,105
Deposits from customers
Persentase terhadap jumlah liabilitas 2.539
Percentage of total liabilities
Beban bunga yang masih harus dibayar
568 Accrued interest expense
Persentase terhadap jumlah liabilitas 0.005
Percentage of total liabilities
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 94 - Sesuai
Peraturan Bank
Indonesia PBINo.73PBI2005 tanggal 20 Januari 2005
mengenai Batas Maksimum Pemberian Kredit BMPK Bank Umum yang sebagian pasalnya
diubah dengan PBI No .813PBI2006 tanggal 5 Oktober 2006, pinjaman yang diberikan dengan
jaminan tunai dikecualikan dari BMPK. Pada tanggal 30 Juni 2015 dan 31 Desember 2014,
jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai adalah
masing- masing sebesar Rp75.651 juta, dan Rp6.201 juta.
In accordance with Bank Indonesia Regulation PBI No. 73PBI2005 dated January 20, 2005
regarding Legal Lending Limit for Commercial Bank
which amended
partially by
PBI No. 813PBI2006 dated October 5, 2006, loans
with cash collateral are exempted from Legal Lending Limit. As of June 30, 2015 and
December 31, 2014, loans to related parties that are secured by cash collaterals amounting to
Rp75,651
million and
Rp6,201 million,
respectively.
30 Juni 30 Juni
June 2015 June 2014
Rp Juta Rp Juta
Rp Million Rp Million
Pendapatan bunga Interest revenues
Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors
dan karyawan kunci 1,427
25 and key employees
Persentase bunga terhadap jumlah pendapatan
0.191 0.019
Percentage to total interest revenues
Beban bunga 8,423
144 Interest expense
Persentase bunga terhadap jumlah beban 2.091
0.519 Percentage to total interest expense
Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan
dengan kegiatan utama Bank. The Bank does not have any transaction or
payablereceivable with related parties having no relat
ion to the Bank‟s main business.
40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTSAND CONTINGENCIES
Seperti di dalam bisnis normal perbankan,Bank mempunyai komitmen dan kontinjensi.
As part of normal banking business, the Bank has commitments and contingencies.
Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan
mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank‟s
commitments and contingencies at the equivalent Rupiah contractual amounts:
30 Juni 31 Desember
June 2015 December 2014
Rp Juta Rp Juta
Rp Million Rp Million
KOMITMEN COMMITMENTS
Liabilitas komitmen: Commitment payables:
Fasilitas pinjaman yang diberikan yang belum digunakan
10,183 2,118,817
Unused loan facility Irrevocable letters of credit yang
Outstanding irrevocable masih berjalan
111,776 283,992
letters of credit
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi: Contingencies receivables:
Garansi yang diterima 1,105,952
964,781 Received guarantee
Pendapatan bunga Interest receivable on
dalam penyelesaian 48,381
40,254 non-performing assets
Liabilitas kontinjensi: Contingencies payables:
Bank garansi yang diterbitkan 312,952
326,031 Bank guarantees issued
Bersih 1,492,482
1,723,805 Net
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 95 - Semua irrevocable letters of credit yang masih
berjalan dan bank garansi yang diterbitkan memiliki kolektibilitas lancar.
Alloutstandingirrevocablelettersofcreditand issued bank guarantees are categorised as
current. Bank tidak memiliki bank garansi dengan pihak
berelasi pada tanggal 30 Juni 2015 dan 31 Desember 2014.
There is no bank guarantees with related party as of June 30, 2015 and December 31, 2014,
respectively. Bank mengeluarkan bank garansi sebagai
perjanjian penanggungan, dimana bank bertindak sebagai penanggung bagi nasabah yang menjadi
debitur dalam mengadakan suatu perjanjian dengan pihak lain sebagai kreditur.
The Bank
issued bank
guarantees as
underwriting agreements, in which the Bank acts as a guarantor for the customers, becoming a
debtor bound in an agreement with other parties as the creditors.
41. JASA KUSTODIAN 41. CUSTODIALSERVICES
Berdasarkan Surat Keputusan Otoritas Jasa Keuangan
dahuluBAPEPAM-LKNo.KEP- 01BLKstd2007 tanggal 12 September 2007,
Bank telah memperoleh izin untuk memberikan jasa kustodian dan telah melakukan kegiatan
operasionalnya sejak tanggal 8 Oktober 2007. Based on the Financial Service Authority
previouslyBapepam-LK Decision Letter No. KEP-01BLKstd2007 dated September12, 2007,
the Bank obtained an approval to provide custodial services and has commenced its
operational on October 8, 2007.
Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga,
pengadministrasian dana dan laporan dan informasi.
The Bank provides the following custodial services
administration of
securities, administration
of funds
and report
and information.