k RISIKO SUKU BUNGA INTEREST RATE RISK
h, k
e c ua li diny a ta k a n la in P T B ANK P E M B ANG UNAN DAE RAH J AW A B ARAT DAN B ANT E N T b k AND I T S S UB S IDI ARI E S N OTE S TO TH E C ON S OLID A TE D FIN A N C IA L S TA TE M E N TS A s o f D ecem b er 31, 201 6 a nd For t h e Y e a r The n e nde d Ex p re s s e d in m illions of r upia h, u n less o th er w ise st a te d 182 48 . RI S IKO S U KU BUNG A la njut a n 48 . IN TE R E S T R A TE R IS K c ont inue d Ba n k dan ent itas anak m el ak uk an penguk ur a n ris ik o s uk u bunga m el iput i penilaian ris ik o s uk u bunga yang m el ek at pada as et , k ew aj iban dan pada pos is i of f b al anc e s heet ; penggunaa n k ons ep k euangan y ang ber lak u s ec ar a um um dan tek ni k - tek ni k m anaj em en r is ik o; as um s i dan par a m et er yang t er d ok um ent as i dan di ev al uas i s ec ar a b e rka la ; ter int egr a s i dengan pr o s es m anaj em en ris ik o s ec ar a ru tin bai k dar i as pek pengam bi lan k eput us an, s tru k tur gov er n anc e m aupun pr o s es al ok as i m odal i nt er n al . D engan m enggunak an m et odol ogi t er s ebut , B ank dan ent itas anak dapat m engi dent ifi k as i r is ik o s uk u bun ga dar i por tof ol io as et dan k ew aj iban y ang s ens iti f ter h adap per u bahan s uk u bunga s er ta m ene nt uk an bes ar a n ris ik o t er h adap B ank dan ent itas anak . T he B ank and s ub s idi ar ies c onduc t m eas ur e m ent of i nt er e s t r a te r is k t hat i nc ludes as s es s ing inher e nt int er e s t r a te r is k in as s et , l iab ilit ies and of f b al anc e s heet pos iti ons ; i m pl em ent at ion of t he gener a lly appl ic ab le f inanc ial c onc ept and ris k m anagem ent t ec hni ques ; as s um pt ions and par a m et er s w hi c h ar e doc um ent ed and ev al uat ed re gul ar ly ; int er g ra ted w ith per iod ic ri sk m anagem ent pr o c es s ei ther f ro m t he as pec t of dec is ion m ak ing, gov er n anc e s tru c tur e or i nt er n al c api tal al loc at ion pr o c es s . B y us ing s uc h m et hodol ogi es , t he B ank c an i dent ify i nt er e s t r a te ris k of as s et and l iab ili ties por tof ol io that ar e se n si tive t o i nt er e s t r a te c hanges and det er m ine the r is k s c al e f or t he B ank and s ub s idi ar ies . T abel di baw ah i ni m eny aj ik an i nf or m as i m engenai tingk at s uk u bunga r a ta -r a ta per tahun unt uk as et dan liabi lit as k euangan y ang pent ing unt uk t ahun yang ber a k hi r pada tanggal -tanggal 31 D es em ber 201 6 dan 201 5 t idak di audi t : T he f ol low ing t ab le pr e s ent s i nf or m at ion on the av er a ge annual i nt er e s t r a tes for s igni fic ant financ ial as s et s and l iab ili ties f or t he y ear ended D ec em b er 31, 201 6 and 201 5 u naudi ted : 201 6 201 5 M at a u an g M at a u an g asi n g asi n g R upi a h For e ign R upi a h For e ign R upi a h cu rr en c ies R upi a h cu rr en c ies A SET A SSET S G ir o pada bank lai n 0, 7 1 0, 8 1 ,6 6 0, C ur rent ac c ount s w ith ot her bank s P enem pat an pada bank I ndones ia dan B ank Lai n 5, 6 0, 43 6, 3 1 0, 2 2 P lac em ent s w ith ot her bank s S ur at ber har g a 8, 73 0, 8, 49 0, M ar k et abl e s ec ur iti es Ef e k- ef e k ya ng di b el i de ng an j anj i pur c has ed under di jual k em bal i 0, 0, 5, 9 9 0, agr eem ent to r es al e W es el e ks p or d an tag iha n l ai n n ya 11, 86 4, 4 3 11, 40 3, 2 5 Bi lls and ot her rec ei v abl es K redi t y ang di ber ik an 0, 0, 16, 03 6, 5 Loans L IA B IL IT A S L IA B IL IT IE S S im panan nas abah D epos its f rom c us tom er s - Gi ro 0, 1 7 0, 4 0, 1 6 0, 8 C ur rent ac c ount s - - T abung an 0, 3 5 0, 05 0, 3 6 0, 1 6 S av ings - - D epos ito ber jang ka 6, 32 0, 9 5 6, 8 1 0, 9 5 T im e depos its - S im panan dar i bank lai n 2, 8 6 0, 2, 3 5 0, D epos its f rom ot her bank s Ef e k- ef e k ya ng di ju al de ng an j anj i so ld under di bel i k em bal i r epo 5, 7 9 0, 7, 1 2 0, agr eem ent to r epur c has e P inj am an yang di ter im a 8, 3 0, 8, 3 0, B or row ings E fek hut ang y ang di ter bi tk an 10, 29 0, 10, 29 0, D ebt s ec ur iti es i s s ued The original consolidated financial statements included herein are in the Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tanggal 31 Desember 2016 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, 2016 and For the Year Then ended Expressed in millions of rupiah, unless otherwise stated183
48. RISIKO SUKU BUNGA lanjutan 48.Parts
» Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» a Tanggal bank bjb terus menata dan memperkuat landasan-
» PrODUK PINJaMaN Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» DaNa PIHaK KEtIGa 1. Strategi Produk
» tHrID PartY fUND 1. Product Strategy Pricing Strategy aktivitas Pemasaran secara terpadu
» Promotion Strategy Pricing Strategy
» Integrated Marketing activities Promotion Strategy
» SErVICES bjb Precious trESUrI
» INStItUtIONaL BaNKING Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» trEaSUrY INStItUtIONaL BaNKING Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» Penyesuaian tingkat suku bunga bjb Kredit Guna Bhakti dan
» 3.02 18.40 E-Banking diharapkan dapat meningkatkan laba bank bjb
» bjb BiSA Program as an office-less financial services
» Penghimpunan Dana Menunjang pertumbuhan bisnis bank bjb melalui
» Penggunaan Dana Penggunaan Dana
» Laba Sebelum Pajak Laba Sebelum Pajak
» In each of these symbols, there is bjb HC Cares tagline Silih
» GOVErNaNCE PrOCESS 1. faktor-faktor positif aspek governance process bank bjb adalah:
» Governance Outcome 1. faktor-faktor positif aspek governance outcome bank bjb adalah:
» Warung Hidup bjb Screenhouse Pembuatan Warung Hidup bjb ini dikenal juga
» Warung Hidup bjb Screenhouse The establishment of Warung Hidup bjb is known as soilless
» Program Pelatihan Wirausaha bjb Program Pelatihan Wirausaha bjb adalah program CSR bank bjb
» Launched “Air Bersih bjb” Program Air Bersih bjb Program is distributing water through water
» Modal Pelengkap Tambahan yang Dialokasikan Untuk Mengantisipasi Risiko Pasar
» Rekening Administratif Selisih Aset dengan Kewajiban dalam
» k Meluncurkan Program “Air Bersih bjb” Program Air Bersih bjb ini berupa pembagian air melalui
» 96 369. 6 Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» 508 7.081. 703 338 7.757. 218 401 9.674. 228 Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» Pendirian dan informasi umum Bank Establishment and general information
» Maksud dan tujuan lanjutan Purpose and objectives continued
» Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum saham Public offering of shares
» Pendirian dan informasi umum entitas anak Establishment and general information
» Prinsip konsolidasian Principles of consolidation
» Aset keuangan dan liabilitas keuangan lanjutan Financial assets and liabilities continued
» Penempatan pada Bank Indonesia dan bank Surat berharga Marketable securities
» Surat berharga lanjutan Marketable securities continued
» Kredit yang diberikan lanjutan Loans continued
» Pembiayaanpiutang syariah lanjutan Sharia financingreceivables continued
» Aset tetap lanjutan Fixed assets continued
» Pinjaman yang diterima Borrowings Pendapatan bunga, beban bunga dan bagi
» Pendapatan bunga, beban bunga dan bagi
» PERTIMBANGAN, ESTIMASI DAN ASUMSI PERTIMBANGAN, ESTIMASI DAN ASUMSI
» PERTIMBANGAN, ESTIMASI DAN ASUMSI KAS CASH
» GIRO PADA BANK INDONESIA CURRENT
» Berdasarkan mata uang By currency Berdasarkan hubungan Based on relationship
» By bank GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan jenis dan nama bank lanjutan By type and counterparty bank continued
» Berdasarkan jenis dan mata uang Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued
» Berdasarkan jatuh tempo By maturity Jatuh tempo dan suku bunga Maturity and interest rate
» Jatuh tempo dan suku bunga lanjutan Maturity and interest rate continued
» 368.172 Net 368.172 Net Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» Kredit non-performing berdasarkan sektor
» Informasi pokok lainnya sehubungan
» 449 20. 256 449 20. 256 Bahan Materi Mata Acara Kesatu AR BJB 2016 OJK
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES ASET LAIN-LAIN OTHER ASSETS
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» Berdasarkan jenis dan mata uang By type and currency Simpanan nasabah Deposits from customers
» EFEK HUTANG YANG DITERBITKAN DEBT SECURITIES ISSUED
» PINJAMAN YANG DITERIMA BORROWINGS
» Manfaat beban pajak Tax benefit expense
» Aset liabilitas pajak tangguhan - neto Deferred tax assets liabilities – net
» Uang Muka Pajak Tax Advances
» LIABILITAS LAIN-LAIN lanjutan OTHER LIABILITIES continued MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» MODAL SAHAM lanjutan SHARE CAPITAL continued MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL PENGGUNAAN LABA DISTRIBUTION OF INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» ASET KEUANGAN DAN LIABILITAS KEUANGAN FINANCIAL ASSETS AND FINANCIAL LIABILITIES
» IMBALAN KERJA EMPLOYEE BENEFITS IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO KREDIT lanjutan CREDIT RISK continued
» 406.691 2.989. 046 RISIKO KREDIT lanjutan CREDIT RISK continued
» 347.645 2.817. 505 RISIKO KREDIT lanjutan CREDIT RISK continued
» 147.210 2.989. 046 RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO NILAI TUKAR lanjutan FOREIGN EXCHANGE RISK continued
» RISIKO LIKUIDITAS LIQUIDITY RISK
» RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» 788.380 28. 982.907 457.809 7.847. 359 RISIKO LIKUIDITAS lanjutan LIQUIDITY RISK continued
» k RISIKO SUKU BUNGA INTEREST RATE RISK
» 224.052 33. 695.683 148.561 4.593. 575 RISIKO SUKU BUNGA lanjutan
» ke RISIKO SUKU BUNGA lanjutan
» RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» Risiko strategis Strategic risks Risiko kepatuhan Compliance risks
» MANAJEMEN RISIKO RISK MANAGEMENT JAMINAN PEMERINTAH
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
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