SURAT-SURAT BERHARGA lanjutan SECURITIES continued
10. TAGIHAN DAN
LIABILITAS AKSEPTASI lanjutan 10. ACCEPTANCES RECEIVABLE AND PAYABLE continued Tagihan dan liabilitas akseptasi berdasarkan sisa umur jatuh tempo adalah sebagai berikut: The acceptances receivable and payable classified based on remaining term until maturity are as follows: 2011 2010 Kurang dari 1 bulan 20.522.779.594 26.702.565.879 Less than 1 month Lebih dari 1 - 3 bulan 31.427.093.770 33.203.415.668 More than 1 to 3 months Lebih dari 3 - 6 bulan 40.482.846.369 38.832.182.510 More than 3 to 6 months Jumlah 92.432.719.733 98.738.164.057 Total 11. PENYERTAAN DALAM BENTUK SAHAM 11. INVESTMENT IN SHARES OF STOCK Persentase Kepemilikan Percentage of 2011 Ownership 2010 Metode Biaya Cost Method PT Sarana Bersama PT Sarana Bersama Pembiayaan Indonesia 131.000.000 1,87 131.000.000 Pembiayaan Indonesia PT Lintas Artha 6.143.689 0,09 6.143.689 PT Lintas Artha Jumlah 137.143.689 137.143.689 Total Cadangan kerugian Allowance for penurunan nilai - - impairment losses Bersih 137.143.689 137.143.689 Net Mutasi cadangan kerugian penurunan nilai adalah sebagai berikut: The changes in the allowance for impairment losses are as follows: 2011 2010 Saldo awal - 1.371.437 Beginning balance Dampak atas penerapan awal Effect of first adoption of PSAK 5055 Revisi 2006 PSAK 5055 Revised 2006 Catatan 47 1.371.437 Note 47 Saldo akhir - - Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai telah memadai. Management believes that the allowance for impairment losses is adequate. PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal 31 Desember 2011 Dengan Angka Perbandingan untuk Tahun 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain Indonesian language. PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Year Ended December 31, 2011 With Comparative Figures for 2010 Expressed in Rupiah, unless otherwise stated 7112. PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
12. ACCRUED INTEREST RECEIVABLES
2011 2010 Kredit 96.736.232.003 97.865.013.585 Loans Penempatan pada Placements with Bank Indonesia Bank Indonesia dan bank lain 710.540.470 3.006.971.167 and other banks Surat-surat berharga 600.468.748 9.458.876.934 Securities Lain-lain 134.976.174 154.667.786 Others Jumlah 98.182.217.395 110.485.529.472 Total 13. BIAYA DIBAYAR DI MUKA 13. PREPAID EXPENSES 2011 2010 Operasi 18.603.808.782 14.996.611.595 Operations Renovasi bangunan kantor 3.478.841.784 4.115.474.501 Office buildings renovations Karyawan 1.538.732.228 907.331.912 Employees Pemasaran 1.187.829.337 984.188.775 Marketing Lain-lain 3.203.456.172 33.893.649 Others Jumlah 28.012.668.303 21.037.500.432 Total 14. ASET TETAP 14. FIXED ASSETS Aset tetap terdiri dari: Fixed assets consist of the following: Penambahan Pengurangan Saldo Saldo Awal Reklasifikasi Reklasifikasi Akhir Beginning Additions Deductions Ending 2011 Balance Reclassifications Reclassifications Balance 2011 Nilai Tercatat Carrying Value Tanah 102.130.712.984 - - 102.130.712.984 Landrights Bangunan 64.250.051.511 5.500.843.623 1.491.181.196 68.259.713.938 Buildings Inventaris kantor 64.106.103.659 8.926.531.740 16.561.511.691 56.471.123.708 Office equipment Instalasi 4.255.013.647 211.537.900 273.257.101 4.193.294.446 Installation Jumlah 234.741.881.801 14.638.913.263 18.325.949.988 231.054.845.076 Total Akumulasi Penyusutan Accumulated Depreciation Bangunan 26.688.225.027 3.246.045.688 1.491.181.196 28.443.089.519 Buildings Inventaris kantor 43.414.494.679 11.865.182.910 15.949.266.407 39.330.411.182 Office equipment Instalasi 2.038.062.163 324.797.336 235.951.718 2.126.907.781 Installation Jumlah 72.140.781.869 15.436.025.934 17.676.399.321 69.900.408.482 Total Nilai Buku 162.601.099.932 161.154.436.594 Book ValueParts
» :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» Audit Committee wisnu Tjandra
» komite Pemantau risiko wisnu Tjandra
» Risk Monitoring Committee wisnu Tjandra
» komite remunerasi dan nominasi
» Remuneration and Nomination Committee
» wisnu Tjandra – wakil direktur utama Tugas utama: Bersama-sama Direktur Utama menetapkan
» Wisnu Tjandra – Vice President Director
» komite kredit Rudy Tjandra – Director
» komite Aset-kewajiban AlCo Rudy Tjandra – Director
» Credit Committee Rudy Tjandra – Director
» Assets-Liabilities Committee ALCO Rudy Tjandra – Director
» komite manajemen risiko Rudy Tjandra – Director
» komite Pengarah Teknologi Informasi
» Risk Management Committee Rudy Tjandra – Director
» Information Technology Steering Committee
» laporan Tahunan Rudy Tjandra – Director
» laporan keuangan Publikasi Triwulanan
» laporan keuangan Publikasi Bulanan
» laporan keuangan konsolidasi Rudy Tjandra – Director
» laporan non keuangan Rudy Tjandra – Director
» Annual Report Rudy Tjandra – Director
» Published Quarterly Financial Statements
» Published Monthly Financial Reports
» Consolidated Financial Statements Rudy Tjandra – Director
» Non Financial Reports Rudy Tjandra – Director
» Pendirian dan Informasi Umum Bank Establishment and General Information of the
» Pendirian dan UMUM lanjutan GENERAL continued
» Establishment and General Information of the Bank continued
» Penawaran Umum Saham Bank lanjutan
» Dasar Penyusunan Laporan Keuangan Basis of Financial Statements Preparation
» Foreign Currency Translations SUMMARY OF
» Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Kas dan Setara Kas Cash and Cash Equivalents
» The Minimum Statutory Reserve
» Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and
» Surat-surat Berharga Securities SUMMARY OF
» Securities continued SUMMARY OF
» Surat-surat Berharga yang Dijual dengan Janji Dibeli Kembali
» Derivative Instruments SUMMARY OF
» Loans continued Kredit yang Dihapus Buku
» Tagihan dan Liabilitas Akseptasi Acceptances Receivable and Payable
» Penurunan Nilai Aset Keuangan dan Aset Non-Keuangan
» Impairment of Financial and Non-Financial Assets
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF
» Penyertaan Saham Investments in Shares of Stock
» Aset Tetap dan Penyusutan Fixed Assets and Depreciation
» Fixed Assets and Depreciation continued
» Foreclosed Assets SUMMARY OF
» Biaya Dibayar di Muka dan Aset Lain-lain Prepaid Expenses and Other Assets
» Liabilities Immediately Payable SUMMARY OF
» Simpanan Nasabah Deposits from Customers
» Simpanan dari Bank Lain Deposits from Other Banks
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» Pinjaman Subordinasi Subordinated Loan
» Pendapatan dan Beban Bunga Interest Income and Expense
» Interest Incomes and Expenses continued
» Pendapatan dan Beban Provisi dan Komisi Fees and Commissions Income and Expense
» Perpajakan Taxation SUMMARY OF
» Earnings per Share SUMMARY OF
» SUMMARY OF Rudy Tjandra – Director
» KAS CASH Rudy Tjandra – Director
» Berdasarkan pihak dan mata uang asing By counterparties and currency
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» SURAT-SURAT BERHARGA SECURITIES Rudy Tjandra – Director
» SURAT-SURAT BERHARGA lanjutan SECURITIES continued
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLE AND PAYABLE
» KREDIT LOANS Rudy Tjandra – Director
» KREDIT lanjutan LOANS continued
» TAGIHAN DAN Rudy Tjandra – Director
» PENYERTAAN DALAM BENTUK SAHAM INVESTMENT IN SHARES OF STOCK
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» ACCRUED INTEREST RECEIVABLES Rudy Tjandra – Director
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
» ASET TETAP lanjutan FIXED ASSETS continued
» AGUNAN YANG DIAMBIL ALIH FORECLOSED ASSETS
» AGUNAN YANG DIAMBIL ALIH lanjutan FORECLOSED ASSETS continued
» SIMPANAN NASABAH lanjutan DEPOSITS FROM CUSTOMERS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» PINJAMAN DITERIMA BORROWING Rudy Tjandra – Director
» PINJAMAN DITERIMA lanjutan BORROWING continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLE
» BUNGA MASIH HARUS DIBAYAR lanjutan ACCRUED INTEREST PAYABLE continued
» LIABILITAS IMBALAN KERJA lanjutan EMPLOYEE BENEFITS LIABILITY continued
» ESTIMASI KERUGIAN Rudy Tjandra – Director
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» TAMBAHAN MODAL DISETOR - BERSIH ADDITIONAL PAID-IN CAPITAL - NET
» PENDAPATAN BUNGA INTEREST REVENUES
» BEBAN BUNGA INTEREST EXPENSES
» BEBAN TENAGA KERJA PERSONNEL EXPENSES
» BEBAN OPERASI OPERATING EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» PAJAK PENGHASILAN INCOME TAX
» PAJAK PENGHASILAN lanjutan INCOME TAX continued
» LABA PER SAHAM EARNINGS PER SHARE INFORMASI MENGENAI
» INFORMASI MENGENAI Rudy Tjandra – Director
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» KOMITMEN DAN KONTINJENSI lanjutan COMMITMENTS
» KREDIT PENERUSAN DARI BANK INDONESIA CHANNELLING LOANS FROM BANK INDONESIA
» JATUH TEMPO ASET DAN LIABILITAS MATURITIES OF ASSETS AND LIABILITIES
» JATUH TEMPO ASET DAN LIABILITAS lanjutan MATURITIES OF ASSETS AND LIABILITIES continued
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» JASA KUSTODIAN CUSTODIAN SERVICES
» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
» “Operating Segments”. Rudy Tjandra – Director
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» JAMINAN PEMERINTAH Rudy Tjandra – Director
» GOVERNMENT GUARANTEE ON PAYMENT OF COMMERCIAL BANKS’ OBLIGATIONS
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued MANAJEMEN RISIKO RISK MANAGEMENT
» Perkembangan Penerapan Manajemen Risiko Development of Risk Management Application
» Risiko Kredit lanjutan Credit Risks continued
» Risiko Pasar lanjutan Market Risks continued
» Risiko Likuiditas Liquidity Risks
» Risiko Likuiditas lanjutan Liquidity Risks continued
» Risiko Operasional Operational Risks
» Risiko Reputasi Reputation Risks
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