SURAT-SURAT BERHARGA MARKETABLE SECURITIES
9. TAGIHAN DAN LIABILITAS DERIVATIF lanjutan
9. DERIVATIVE RECEIVABLES AND PAYABLES continued
Tagihan dan liabilitas derivatif pada tanggal 31 Desember 2015 dan 2014 merupakan transaksi pada pihak ketiga. Derivative receivables and payables as of December 31, 2015 and 2014 are made with third parties. Pada tanggal 31 Desember 2015 dan 2014, manajemen berpendapat bahwa tidak terdapat penurunan nilai atas tagihan derivatif, sehingga tidak diperlukan pembentukan cadangan kerugian penurunan nilai. As of December 31, 2015 and 2014, management believes that there is no impairment on derivative receivables, therefore no allowance for impairment losses was provided.10. PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
10. ACCRUED INTEREST RECEIVABLES 2015
2014 Kredit yang diberikan 178.754 146.526 Loans Surat-surat berharga 5.922 5.167 Marketable securities Penempatan pada Bank Indonesia dan bank lain 1.584 755 Placements with Bank Indonesia and other banks Lain-lain 139 336 Others Jumlah 186.399 152.784 Total Pendapatan bunga yang masih akan diterima berdasarkan mata uang: Accrued interest receivables based on currency: 2015 2014 Rupiah 174.979 128.918 Rupiah Mata uang asing 11.420 23.866 Foreign currencies Jumlah 186.399 152.784 Total 11. BIAYA DIBAYAR DI MUKA 11. PREPAID EXPENSES Akun ini terdiri dari: This account consists of: 2015 2014 Sewa dibayar di muka 86.695 111.151 Prepaid rent Renovasi gedung kantor 17.325 11.958 Office building renovation Karyawan 4.547 2.682 Employees Pemasaran 3.717 1.482 Marketing Jumlah 112.284 127.273 Total PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 75 12. KREDIT YANG DIBERIKAN 12. LOANS a. Berdasarkan jenis, mata uang dan pihak a. By type, currency and party 2015 2014 Rupiah Rupiah Pihak berelasi Related parties Revolving loans 121.571 78.356 Revolving loans Pinjaman rekening koran 6.798 6.147 Overdraft Fixed loans - 5.289 Fixed loans Pihak ketiga Third parties Fixed loans 6.852.833 6.126.904 Fixed loans Revolving loans 5.441.710 6.083.364 Revolving loans Kredit pemilikan rumah 1.237.495 1.071.707 Housing loans Pinjaman rekening koran 617.255 587.760 Overdraft Kredit sindikasi 190.077 134.091 Syndicated loan Pinjaman karyawan 104.726 51.908 Employee loans Kredit tanpa agunan 79.463 25.400 Unsecured loans Kredit pemilikan kios 13.852 17.760 Kiosk loans Kredit pemilikan mobil 9.106 39.046 Car loans Trust receipts 3.055 - Trust receipts Kredit wirausaha 253 761 Entrepreneurs loans Jumlah Rupiah 14.678.194 14.228.493 Total Rupiah Mata Uang Asing Foreign Currencies Pihak ketiga Third parties Revolving loans 1.719.338 1.594.278 Revolving loans Fixed loans 941.693 1.323.908 Fixed loans Trust receipts - 3.410 Trust receipts Jumlah Mata Uang Asing 2.661.031 2.921.596 Total Foreign Currencies Jumlah Kredit 17.339.225 17.150.089 Total Loans Cadangan kerugian penurunan nilai 226.597 132.027 Allowance for impairment losses Jumlah Kredit - Neto 17.112.628 17.018.062 Total Loans - Net Tingkat suku bunga rata-rata per tahun adalah sebagai berikut: Average interest rates per annum are as follows: 2015 2014 Rupiah Rupiah Kredit tanpa agunan 27,43 27,59 Unsecured loans Kredit wirausaha 23,70 23,83 Entrepreneur loans Pinjaman rekening koran 15,59 15,63 Overdraft Fixed loans 14,82 14,70 Fixed loans Revolving loans 14,01 14,18 Revolving loans Kredit pemilikan kios 14,00 14,14 Kiosk loans Kredit pemilikan mobil 12,63 12,60 Car loans Kredit sindikasi 12,38 12,94 Syndicated loans Kredit pemilikan rumah 12,29 12,39 Housing loans Trust receipts 14,75 - Trust receipts Pinjaman karyawan 8,93 9,08 Employee loans Mata Uang Asing Foreign Currencies Fixed loans 6,18 6,55 Fixed loans Trust receipts - 8,00 Trust receipts Revolving loans 6,10 5,91 Revolving loansParts
» Annual Report Bank Artha Graha 2015 final lowres
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» UMUM lanjutan GENERAL continued
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» MARKETABLE SECURITIES continued Annual Report Bank Artha Graha 2015 final lowres
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLES AND PAYABLES
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» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» ACCRUED INTEREST RECEIVABLES 2015 Annual Report Bank Artha Graha 2015 final lowres
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» TAGIHAN DAN LIABILITAS AKSEPTASI ACCEPTANCE RECEIVABLES AND PAYABLES
» TAGIHAN DAN Annual Report Bank Artha Graha 2015 final lowres
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
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» FORECLOSED ASSETS AND OTHER ASSETS Agunan Yang Diambil Alih
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» SIMPANAN NASABAH CUSTOMER DEPOSITS
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» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLES
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» LIABILITAS IMBALAN PASCA KERJA POST-EMPLOYMENT BENEFITS LIABILITY
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» PINJAMAN SUBORDINASI SUBORDINATED LOAN
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» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» PENDAPATAN BUNGA Annual Report Bank Artha Graha 2015 final lowres
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» BEBAN TENAGA KERJA Annual Report Bank Artha Graha 2015 final lowres
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» BEBAN OPERASI OPERATIONAL EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
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» BEBAN NON OPERASIONAL - NETO
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» TAXATION continued a. Pajak Dibayar di Muka lanjutan
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» LABA PER SAHAM DASAR BASIC EARNINGS PER SHARE
» INFORMASI MENGENAI Annual Report Bank Artha Graha 2015 final lowres
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» INFORMASI MENGENAI TRANSAKSI DAN SALDO DENGAN PIHAK-PIHAK BERELASI
» INFORMATION ABOUT TRANSACTIONS AND BALANCES
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» INFORMASI SEGMEN USAHA OPERATING SEGMENT INFORMATION
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» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan
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» Risiko Kredit lanjutan Credit Risk continued
» Credit Risk continued Evaluasi penurunan nilai lanjutan
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» Market Risk continued Risiko Nilai Tukar
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» Risiko Likuiditas Liquidity Risk
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» Risiko Operasional Operational Risk
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» Risiko Reputasi Reputation Risk
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» EARNING ASSETS RATIO OF TOTAL ASSETS
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