BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
34. BEBAN BUNGA DAN BAGI HASIL SYARIAH lanjutan
34. INTEREST EXPENSE AND SHARIA PROFIT SHARING continued
Akun ini terdiri dari: lanjutan This account consists of: continued Tahun yang berakhir pada tanggal 30 JuniPeriod Ended June 30, 2017 2016 Simpanan dari bank lain 110.951 139.747 Deposits from other banks Premi penjaminan 79.609 80.163 Guarantee premium Premi asuransi kredit 41.306 46.267 Loan insurance premium Pinjaman yang diterima 14.272 17.717 Borrowings Lain-lain 305 197 Others 2.518.988 2.261.827 Mata uang asing Foreign currencies Simpanan nasabah 8.927 5.738 Deposits from customers Simpanan dari bank lain 34 - Deposits from other banks Premi asuransi kredit 130 95 Loan insurance premium 9.091 5.833 Total 2.528.079 2.267.660 Total 35. PENDAPATAN OPERASIONAL LAINNYA 35. OTHER OPERATING INCOME Akun ini terdiri dari: This account consists of: Tahun yang berakhir pada tanggal 30 JuniPeriod Ended June 30, 2017 2016 Provisi dan komisi selain dari Non-loan related fees and kredit yang diberikan commissions Rupiah Rupiah Provisi dan komisi 204.125 189.120 Fees and commissions Fee komitmen 3.546 1.870 Commitment fees Mata uang asing Foreign currencies Provisi dan komisi 727 1.487 Fees and commissions Fee komitmen 1 2 Commitment fees 208.399 192.479 Keuntungan yang belum direalisasi Unrealized gain on changes in dari perubahan nilai wajar fair value of marketable surat berharga - neto 64.547 22.563 securities - net Keuntungan dari penjualan surat berharga Gain on sale of held-for-trading untuk diperdagangkan - neto 442 53.884 marketable securities - net Gain from foreign exchange Keuntungan transaksi valuta asing - neto 5.603 11.751 transactions β net Penerimaan kembali asset yang Income from recovery of loans- telah di hapur buku 127.035 86.677 write-off Lain-lain 15.175 12.497 Others Total 421.201 379.851 Total Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAKNYA LAPORAN KEUANGAN KONSOLIDASIAN 30 JUNI 2017 DAN 31 DESEMBER 2016 SERTA PERIODE YANG BERAKHIR PADA TANGGAL 30 JUNI 2017 DAN 2016 PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND ITS SUBSIDIARIES CONSOLIDATED FINANCIAL STATEMENTS AS OF JUNE 30, 2017 AND DECEMBER 31, 2016 AND FOR THE PERIOD THEN ENDED JUNE 30, 2017 AND 2016 144 36. BEBAN OPERASIONAL LAINNYA 36. OTHER OPERATING EXPENSES Akun ini terdiri dari: This account consists of: Tahun yang berakhir pada tanggal 30 JuniPeriod Ended June 30, 2017 2016 Beban umum dan administrasi General and administrative expenses Sewa 131.579 147.389 Rental Gaji tenaga kerja kontrak 176.032 124.590 Contracted employee salaries Promosi 170.347 129.044 Promotion Pemeliharaan dan perbaikan 87.555 85.334 Maintenance and repairs Penyusutan dan amortisasi 47.277 42.994 Depreciation and amortization Komunikasi 35.343 43.630 Communication Biaya listrik, air, dan gas 27.890 27.205 Electricity, water, and gas Alat tulis kantor 26.069 25.472 Office supplies Fee konsultan 30.013 18.420 Consultant fees Perjalanan dinas 16.842 11.412 Business trip Premi asuransi 10.811 11.195 Insurance premium Lain-lain 144.540 129.202 Others 904.298 795.887 Beban tenaga kerja dan tunjangan Salaries and employee benefits Gaji dan upah 468.638 419.507 Salaries and wages Tunjangan karyawan 455.052 479.986 Employee benefits Jasa produksi 115.877 106.242 Employees bonus Pendidikan dan pelatihan 43.152 47.489 Education and training 1.082.719 1.053.224 Penyisihan pembalikan kerugian Provision for reversal of for penurunan nilai atas aset keuangan impairment losses on financial and dan non keuangan - neto non-financial assets - net Kredit yang diberikan 121.112 128.030 Loans Pembiayaan syariah 66.168 58.885 Sharia financing Penempatan pada bank lain 203 3.951 Placements with other banks 187.076 190.886 Penyisihan pembalikan kerugian penurunan Provision for reversal of impairment losses nilai atas komitmen dan kontinjensi 185 246 on commitments and contingencies 185 246 Beban lainnya Others expenses Corporate Social Responsibility 38.626 35.414 Corporate Social Responsibility Operasional pemasaran 47.656 35.217 Marketing operations Hadiah 177 229 Gift Iuran 4.046 2.907 Contributions Lain-lain 64.332 69.532 Others 154.837 143.299 Total 2.329.115 2.096.845 TotalParts
» Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» 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 INFORMASI UMUM lanjutan GENERAL INFORMATION continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasian Principles of consolidation
» 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
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Placements with Bank Indonesia and other 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
» j. Derivative financial instruments Kredit yang diberikan Loans
» Pembiayaanpiutang syariah lanjutan Sharia financingreceivables continued
» Pembiayaanpiutang syariah lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» 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 Investment in shares
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan Impairment of non-financial assets
» Penurunan nilai SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» 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 nasabah, Simpanan nasabah syariah Simpanan dari bank lain Deposits from other banks
» Simpanan dari bank lain lanjutan Deposits from other banks continued
» 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 bunga, beban bunga dan bagi hasil syariah lanjutan
» Interest income, interest expense and sharia profit sharing continued
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued PERTIMBANGAN, ESTIMASI DAN ASUMSI
» PERTIMBANGAN, ESTIMASI DAN ASUMSI
» KAS CASH Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» GIRO PADA BANK INDONESIA CURRENT
» Berdasarkan mata uang By currency
» Berdasarkan hubungan Based on relationship
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rates per annum
» Perubahan cadangan kerugian penurunan nilai
» Movements in GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan jenis, hubungan dan mata uang
» Based on type, relationship and currency
» Berdasarkan sisa umur hingga jatuh tempo By remaining period until maturity
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Berdasarkan jenis By type and counterparty bank continued
» Movements in PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» Berdasarkan jenis dan mata uang By type and currency
» 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
» Berdasarkan pemerintah SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Tingkat suku bunga rata-rata per tahun
» Manajemen berpendapat bahwa cadangan
» Bank mengakui keuntungan yang belum
» Bank mengakui keuntungan kerugian bersih
» Surat berharga SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan jenis, By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Berdasarkan periode sisa jatuh tempo By remaining period to maturity
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kredit non-performing berdasarkan sektor Kredit yang direstrukturisasi Restructured loans
» Perubahan cadangan kerugian penurunan nilai lanjutan
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas
» Berdasarkan jenis akad By type of agreement
» Berdasarkan sektor ekonomi PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» By economic sector PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Kisaran setara marjin dan bagi hasil per tahun adalah sebagai berikut:
» Range of equivalent margin and profit sharing per annum are as follows:
» Pembiayaan syariah PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Non-performing sharia PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Berdasarkan kolektibilitas PENYERTAAN SAHAM INVESTMENTS IN SHARES
» By collectibility PENYERTAAN SAHAM INVESTMENTS IN SHARES
» Movements in the allowance for impairment losses
» PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued ASET TETAP FIXED ASSETS
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» 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
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» EFEK HUTANG YANG DITERBITKAN lanjutan DEBT SECURITIES ISSUED continued
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Pajak dibayar dimuka Prepaid taxes Utang pajak Taxes payable
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset liabilitas pajak tangguhan - neto Deferred tax assets liabilities
» Aset liabilitas pajak tangguhan - neto lanjutan
» Deferred tax assets liabilities β net
» Perubahan Tarif pajak Changes in Tax rate
» Uang Muka Pajak PAJAK PENGHASILAN lanjutan INCOME TAX continued
» Tax Advances PAJAK PENGHASILAN lanjutan INCOME TAX continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE LIABILITAS LAIN-LAIN OTHER LIABILITIES
» LIABILITAS LAIN-LAIN lanjutan OTHER LIABILITIES continued MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID IN CAPITAL
» PENGGUNAAN LABA DISTRIBUTION OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» BEBAN BUNGA DAN BAGI HASIL SYARIAH lanjutan
» INTEREST EXPENSE AND SHARIA PROFIT SHARING continued
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan
» OTHER OPERATING EXPENSES continued
» PENDAPATAN BEBAN NON-OPERASIONAL NON-OPERATING INCOME EXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» ASET KEUANGAN 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
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
» RELATED PARTY TRANSACTIONS continued
» KEPENTINGAN NON-PENGENDALI NON-CONTROLLING INTEREST
» INFORMASI SEGMEN USAHA SEGMENT INFORMATION
» 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 LIKUIDITAS lanjutan LIQUIDITY RISK continued RISIKO SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued RISIKO OPERASIONAL OPERATIONAL RISK
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan CAPITAL MANAGEMENT
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» CAPITAL MANAGEMENT MANAJEMEN RISIKO RISK MANAGEMENT
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» JAMINAN PEMERINTAH Bank Jabar dan Banten Bilingual 30 JUNI 2017 Unaudited
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automated Teller Machine βATMβ
» Jasa Bank Pengumpulan Uang Tol Collection of Toll Fees
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» SIGNIFICANT AGREEMENTS continued c. Memorandum of Understanding MoU and
» SIGNIFICANT AGREEMENTS continued c. Memorandum of Understanding MoU
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