Non-performing loans and allowance for impairment losses by economic sector
13. GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
a. By type and currency continued
2015 2014 Nilai Nilai Nilai Nilai Nominal Tercatat Nominal Tercatat Nominal Carrying Nominal Carrying Value Value Value Value Dimiliki hingga jatuh tempo Held-to-maturity Rupiah Rupiah Tingkat bunga tetap, setelah diskontopremi Fixed rate, yang belum diamortisasi, net of unamortized sebesar Rp559.801 discountpremium of per 31 Desember 2015 Rp559,801as of dan Rp525.019 31 December 2015 and Rp525,019 per 31 Desember 2014 12,851,762 12,239,428 11,564,024 11,038,828 as of 31 December 2014 Tingkat bunga mengambang 2,000 2,191 7,000 7,177 Floating rate 12,853,762 12,241,619 11,571,024 11,046,005 26,857,580 Mata uang asing Foreign currencies Tingkat bunga tetap, setelah diskonto Fixed rate, premi yang belum net of unamortized diamortisasi sebesar Rp7 discountpremium of Rp7 per 31 Desember 2014 as of 31 December 2015 dan Rp43 and Rp43 as of per 31 Desember 2014 186,133 186,125 167,390 167,433 31 December 2014 Total dimiliki hingga jatuh tempo 13,039,895 12,427,744 11,738,414 11,213,438 Total held-to-maturity Total Obligasi Pemerintah 49,031,712 47,222,319 45,203,311 43,829,797 Total Government Bonds Jumlah nominal Obligasi Pemerintah yang diterima BNI dari program rekapitalisasi adalah sebesar masing-masing Rp11.902.950 dan Rp14.595.314 pada tanggal 31 Desember 2015 dan 2014. The total outstanding nominal amount of Government Bonds received by BNI from the recapitalization program amounted to Rp11,902,950 and Rp14,595,314 as of 31 December 2015 and 2014, respectively. Jumlah Obligasi Pemerintah yang dikelompokkan sebagai tersedia untuk dijual dan dijual selama tahun berjalan adalah sebagai berikut: The total available-for-sale Government Bonds sold during the current year were as follows: Total dijual Kepada pihak ketiga Sold To third parties Nilai nominal Nilai nominal Harga jual Nominal value Nominal value Selling price Tahun yang berakhir pada tanggal 31 Desember 2015 1,701,074 1,644,373 1,718,582 Year ended 31 December 2015 Tahun yang berakhir pada tanggal 31 Desember 2014 2,763,505 2,763,505 2,930,318 Year ended 31 December 2014 Jumlah Obligasi Pemerintah yang telah jatuh tempo adalah sebesar Rp704.468 nilai nominal dan Rp1.744.805 nilai nominal masing-masing pada tanggal 31 Desember 2015 dan 2014. Total Government Bonds which matured amounted to Rp704,468 nominal value and Rp1,744,805 nominal value as of 31 December 2015 and 2014, respectively. Untuk obligasi tingkat bunga mengambang, harga pasar Obligasi Pemerintah berkisar antara 69,97 sampai dengan 109,53 dan antara 71,32 sampai dengan 101,69 masing-masing pada tanggal 31 Desember 2015 dan 2014 dari nilai nominal. For floating interest rate bonds, the market price of Government Bonds ranged from 69.97 to 109.53 and from 71.32 to 101.69 as of 31 December 2015 and 2014, respectively, of the nominal amounts. DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 109 - Page 13. OBLIGASI PEMERINTAH lanjutan13. GOVERNMENT BONDS continued a. Berdasarkan jenis dan mata uang lanjutan
a. By type and currency continued
Untuk tingkat bunga tetap, harga pasar Obligasi Pemerintah berkisar antara 72,18 sampai dengan 140,77 dan antara 75,39 sampai dengan 139,92 masing-masing pada tanggal 31 Desember 2015 dan 2014. For fixed interest rate bonds, the market price of Government Bonds ranged from 72.18 to 140.77 and from 75.39 to 139.92 as of 31 December 2015 and 2014, respectively. BNI mengakui adanya keuntungan atau kerugian yang belum direalisasi atas penurunan nilai pasar Obligasi Pemerintah dalam kelompok tersedia untuk dijual neto setelah pajak sebesar Rp489.680 rugi dan Rp420.192 laba masing-masing pada tahun yang berakhir pada tanggal 31 Desember 2015 dan 2014 yang dicatat pada bagian ekuitas laporan posisi keuangan konsolidasian. BNI recognized the unrealized gains or losses from the decrease in the market value of the Government Bonds categorized as available- for-sale net of taxes in the amount of Rp489,680 loss and Rp420,192 gain for years ended 31 December 2015 and 2014, respectively, recorded in the equity section of the consolidated statements of financial position. Pada tanggal 31 Desember 2015 dan 2014 Obligasi pemerintah dengan tingkat bunga tetap dengan jumlah nominal Rp3.782.950 dan Rp3.395.950 telah dijual dengan janji dibeli kembali hingga jatuh tempo sehingga klasifikasinya berubah dari tersedia untuk dijual menjadi dimiliki hingga jatuh tempo lihat Catatan 22. As of 31 December 2015 and 2014 the fixed rate government bonds has been sold under agreements to repurchase to maturity with nominal amount to Rp3,782,950 and Rp3,395,950 therefore the classification changes from available-for-sale to held-to- maturity refer to Note 22. b. Berdasarkan kisaran tanggal jatuh tempo b. Based on maturity date 2015 2014 Diperdagangkan 27022016 - 21092015 - Trading Obligasi tingkat bunga tetap 15042043 15032034 Fixed rate bonds Tersedia untuk dijual 15012016 - 08012015 - Available-for-sale Obligasi tingkat bunga tetap 15042043 15042043 Fixed rate bonds Obligasi tingkat bunga 25032016 - 25042015 - mengambang 25072020 25072020 Floating rate bonds Dimiliki hingga jatuh tempo 27022016 - 15062015 - Held-to-maturity Obligasi tingkat bunga tetap 15022044 15022044 Fixed rate bonds c. Tingkat suku bunga tetap tahunan c. Annual fixed interest rates Dolar Amerika Serikat Dolar Singapura Rupiah United States Dollar Singapore Dollar Suku bunga kontrak: Contractual interest rate: 2015 4.45 - 12.90 0.25 - 11.63 2.25 - 3.25 2015 2014 3.30 - 14.28 0.25 - 10.50 2.25 - 3.25 2014 Suku bunga efektif: Effective interest rate: 2015 6.60 - 12.15 0.06 - 6.15 1.08 - 1.64 2015 2014 3.31 - 12.05 0.31 - 9.28 1.08 - 4.35 2014Parts
» Laporan Manajemen Risiko kepada Direksi
» Laporan Informasi Manajemen Risiko kepada publik
» Pelaksanaan Fungsi Penerapan Program Anti Pencucian Uang dan Pencegahan
» Pelaksanaan Fungsi implementasi Strategi Anti Fraud
» Penawaran Umum Saham Terbatas I Limited Public Offering I
» Rekapitalisasi Recapitalization GENERAL INFORMATION continued b. Penawaran Umum Perdana Saham
» Recapitalization continued GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Kuasi-reorganisasi Quasi-reorganisation GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Penawaran Umum Saham Terbatas II
» Limited Public Offering II continued
» Penawaran Umum Saham Terbatas III Limited Public Offering III
» Organisasi dan Struktur Manajemen Organizational and Management Structure
» Organizational and Management Structure
» Organizational and Management Structure Entitas Anak Subsidiaries
» GENERAL INFORMATION continued i.
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Basis of preparation of the consolidated financial statements continued
» Financial assets and liabilities
» Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Principles of consolidation continued
» Transaksi dalam mata uang asing dan penjabaran
» Foreign currency SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Efek-efek dan Obligasi Pemerintah Marketable securities and Government
» Marketable securities and Government Bonds continued
» Efek-efek yang dibelidijual dengan janji
» Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Wesel ekspor dan tagihan lainnya
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Derivative financial instruments continued Akuntansi Lindung Nilai lanjutan
» Pinjaman yang diberikan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Financial guarantee contracts SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Equity investments
» Equity investments continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Aset tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Deposits from customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Efek-efek yang diterbitkan Securities issued
» Pinjaman yang diterima Borrowings
» Borrowings continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dana syirkah temporer SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds continued
» Pendapatan bunga SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Interest income and sharia income, interest expense and sharia expense continued
» Pendapatan provisi dan komisi Fees and commission income
» PENGGUNAAN ESTIMASI bni ar 2015 th
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS continued
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA
» By currency Berdasarkan hubungan By relationship
» Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai Allowance for impairment losses
» Cadangan kerugian CURRENT ACCOUNTS WITH OTHER BANKS
» Allowance for CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga per tahun
» Berdasarkan jenis dan mata uang By type and currency
» By type and currency continued
» By relationship PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Penempatan pada PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Placements with other banks pledged as collateral
» Berdasarkan hubungan By relationship
» Berdasarkan penerbit By issuer
» By rating MARKETABLE SECURITIES continued d. Berdasarkan peringkat
» By rating continued MARKETABLE SECURITIES continued d. Berdasarkan peringkat lanjutan
» By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai
» Allowance for impairment losses
» Tingkat suku bunga per tahun Annual interest rates
» By type and currency continued Berdasarkan hubungan By relationship
» Berdasarkan pihak dan mata uang By party and currency
» By party and currency continued
» Allowance for ACCEPTANCES RECEIVABLE continued d. Cadangan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» By relationship continued LOANS continued b. Berdasarkan hubungan lanjutan
» Berdasarkan sektor ekonomi By economic sector
» Pinjaman bermasalah LOANS continued d. Berdasarkan kolektibilitas Bank Indonesia
» Non-performing loans and allowance for impairment losses by economic sector
» Pinjaman yang direstrukturisasi Restructured loans
» Syndicated loans LOANS continued h. Pinjaman sindikasi
» Other significant information relating to
» LOANS continued l. bni ar 2015 th
» Berdasarkan kisaran tanggal jatuh tempo Based on maturity date
» Tingkat suku bunga tetap tahunan Annual fixed interest rates
» Annual floating interest rates
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» SECURITIES PURCHASED bni ar 2015 th
» PREPAID EXPENSES bni ar 2015 th
» EQUITY INVESTMENTS continued Penyertaan jangka panjang lanjutan
» ASET LAIN-LAIN – bni ar 2015 th
» FIXED ASSETS continued bni ar 2015 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» Simpanan yang diblokir dan dijadikan jaminan
» Deposits blocked and pledged as collateral
» Tingkat suku bunga dan bagi hasil per tahun
» Annual interest rates and profit sharing
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
» BEBAN YANG MASIH HARUS DIBAYAR ACCRUED EXPENSES
» PENYISIHAN PROVISION bni ar 2015 th
» PROVISION continued bni ar 2015 th
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» Pajak dibayar dimuka PERPAJAKAN TAXATION
» Taxes payable TAXATION continued b. Utang pajak
» Tax expense continued TAXATION continued c. Beban pajak lanjutan
» Aset pajak tangguhan - neto Deferred tax assets - net
» Deferred tax assets - net continued
» Surat ketetapan pajak Tax assessment letters
» Tax collection letter TAXATION continued e. Surat ketetapan pajak lanjutan
» By type SECURITIES ISSUED a. Berdasarkan jenis
» Berdasarkan mata uang c. By currency
» By type and currency continued Pinjaman bilateral lanjutan
» By type and currency continued Pinjaman penerusan lanjutan
» Annual interest rates BORROWINGS continued c. Tingkat suku bunga per tahun
» By product DANA SYIRKAH TEMPORER - GIRO MUDHARABAH TEMPORARY SYIRKAH FUNDS - MUDHARABAH
» Berdasarkan jangka waktu By period
» Berdasarkan sisa umur jatuh tempo By remaining period to maturity
» Mudharabah time TEMPORARY SYIRKAH FUNDS - MUDHARABAH TIME DEPOSITS
» Deposito Mudharabah yang dijadikan jaminan
» Mudharabah deposits that were used as
» SUKUK MUDHARABAH YANG DITERBITKAN MUDHARABAH SUKUK ISSUED
» Berdasarkan jenis, mata uang dan jangka waktu
» By type, currency and period
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» APPROPRIATION OF NET INCOME continued
» CADANGAN KHUSUS SPECIFIC RESERVES
» PENDAPATAN BUNGA DAN PENDAPATAN SYARIAH
» INTEREST INCOME AND SHARIA INCOME
» BEBAN BUNGA DAN BEBAN SYARIAH INTEREST EXPENSE AND SHARIA EXPENSE
» BEBAN GAJI DAN TUNJANGAN SALARIES
» BEBAN OPERASIONAL LAINNYA - LAIN-LAIN OTHER OPERATING EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS bni ar 2015 th
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» EMPLOYEE BENEFITS continued Program pensiun iuran pasti
» EMPLOYEE BENEFITS continued Imbalan pasca kerja lainnya dan imbalan kerja
» LABA PER SAHAM DASAR DAN DILUSIAN DIATRIBUSIKAN KEPADA PEMILIK ENTITAS
» COMMITMENTS AND CONTINGENCIES bni ar 2015 th
» Jenis hubungan Type of relationships
» Type of relationships continued Pihak berelasiRelated parties
» Loans RELATED PARTY TRANSACTIONS continued b. Pinjaman yang diberikan
» Deposits from customers RELATED PARTY TRANSACTIONS continued c. Simpanan nasabah
» Bank guarantees issued RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Simpanan dari bank lain Deposit from other banks
» Gaji dan tunjangan RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Salaries and benefits RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» RELATED PARTY TRANSACTIONS continued
» INFORMASI SEGMEN SEGMENT INFORMATION
» SEGMENT INFORMATION continued - Konsumer
» SEGMENT INFORMATION continued bni ar 2015 th
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2015 th
» CREDIT RISK continued bni ar 2015 th
» LIQUIDITY RISK bni ar 2015 th
» LIQUIDITY RISK continued bni ar 2015 th
» MARKET RISK continued bni ar 2015 th
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii Risiko mata uang lanjutan
» RISIKO OPERASIONAL OPERATIONAL RISK
» OPERATIONAL RISKcontinued bni ar 2015 th
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» CAPITAL MANAGEMENT continued bni ar 2015 th
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS
» PROGRAM PENGGANTI bni ar 2015 th
» KREDIT KELOLAAN CHANNELING LOANS
» CHANNELING LOANS continued NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
» EVENT AFTER THE REPORTING PERIOD
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