TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVES RECEIVABLE AND PAYABLE
PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK QNB INDONESIA 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
87
16. ASET TAK BERWUJUD 16. INTANGIBLE ASSETS
31 DesemberDecember 31, 2015 Saldo awal
Beginning Penambahan Pengurangan Saldo akhir
balance Additions
Deductions Ending balance
Biaya perolehan: Cost:
Perangkat lunak 39.172
5.318 -
44.490 Software
Lisensi penggunaan perangkat lunak
26.001 5.473
- 31.474
Software license 65.173
10.791 -
75.964 Akumulasi amortisasi:
Accumulated amortization: Perangkat lunak
16.774 4.603
- 21.377
Software Lisensi penggunaan
perangkat lunak 6.029
2.888 -
8.917 Software license
22.803 7.491 -
30.294
Nilai buku - neto 42.370
45.670 Net book value
31 DesemberDecember 31, 2014 Saldo awal
Beginning Penambahan Pengurangan Saldo akhir
balance Additions
Deductions Ending balance
Biaya perolehan: Cost:
Perangkat lunak 30.753
8.419 -
39.172 Software
Lisensi penggunaan perangkat lunak
18.992 7.009
- 26.001
Software license 49.745
15.428 -
65.173 Akumulasi amortisasi:
Accumulated amortization: Perangkat lunak
12.578 4.196
- 16.774
Software Lisensi penggunaan
perangkat lunak 2.975
3.054 -
6.029 Software license
15.553 7.250
- 22.803
Nilai buku - neto 34.192
42.370 Net book value
Beban amortisasi yang dibebankan dalam beban umum dan administrasi masing-masing sejumlah
Rp7.491 dan Rp7.250 untuk tahun yang berakhir tanggal-tanggal 31 Desember 2015 dan 2014.
Amortization expense charged to general and administrative expenses amounted to Rp7,491
and Rp7,250, for the years ended December 31, 2015 and 2014, respectively.
Pada tanggal 31 Desember 2015 dan 2014, seluruh aset tak berwujud tidak mengalami
penurunan nilai. As of December 31, 2015 and 2014, all intangible
assets were not impaired.
17. LIABILITAS SEGERA 17. LIABILITIES PAYABLE ON DEMAND
31 DesemberDecember 31 2015
2014
Escrow accounts 297.270
216.104 Escrow accounts
Liabilitas pajak 30.196
26.580 Tax liabilities
Titipan dana nasabah 474
90 Customer fund deposits
Lain-lain 9.417
10.011 Others
Total 337.357
252.785 Total
Escrow account merupakan rekening nasabah yang khusus digunakan untuk transaksi kredit.
Escrow account represents the customer’s accounts which were specifically used for loan
transactions.
PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK QNB INDONESIA 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
88
17. LIABILITAS SEGERA lanjutan 17. LIABILITIES
PAYABLE ON
DEMAND continued
Titipan dana nasabah merupakan pengiriman dana transfer dari satu pihak kepada pihak lainnya
melalui Bank sebagai perantara, dimana pada tanggal laporan keuangan, dana tersebut belum
efektif diterima atau dikredit ke rekening penerima dana beneficiary.
Customer fund deposits represents transfer from one party to another through the Bank as an
intermediary, which on the date of the financial statements, the fund has not been effectively
received or credited into the beneficiary’s account.
18. SIMPANAN DARI NASABAH 18. DEPOSITS FROM CUSTOMERS
31 DesemberDecember 31, 2015 Pihak berelasi
Pihak ketiga Related parties
Third parties Total
Rupiah Rupiah
Giro 24.619
1.113.403 1.138.022
Current accounts Tabungan
337 411.713
412.050 Saving accounts
Deposito berjangka Time deposits
dan deposit on call 553.353
10.505.227 11.058.580
and deposit on call Total - Rupiah
578.309 12.030.343
12.608.652 Total - Rupiah
Valuta asing Foreign currencies
Giro 631
460.147 460.778
Current accounts Deposito berjangka
Time deposits dan deposit on call
461.798 4.977.780
5.439.578 and deposit on call
Total - valuta asing 462.429
5.437.927 5.900.356
Total - foreign currencies
Total 1.040.738
17.468.270 18.509.008
Total 31 DesemberDecember 31, 2014
Pihak berelasi Pihak ketiga
Related parties Third parties
Total Rupiah
Rupiah
Giro 32.081
1.178.928 1.211.009
Current accounts Tabungan
2.287 384.644
386.931 Saving accounts
Deposito berjangka Time deposits
dan deposit on call 63.280
9.526.196 9.589.476
and deposit on call Total - Rupiah
97.648 11.089.768
11.187.416 Total - Rupiah
Valuta asing Foreign currencies
Giro 1.546
1.546.476 1.548.022
Current accounts Deposito berjangka
Time deposits dan deposit on call
161.005 3.265.267
3.426.272 and deposit on call
Total - valuta asing 162.551
4.811.743 4.974.294
Total - foreign currencies
Total 260.199
15.901.511 16.161.710
Total
Pada tanggal 31 Desember 2015 dan 2014, jumlah deposito yang dijadikan sebagai jaminan kredit
yang diberikan adalah masing-masing sebesar Rp836.819 dan Rp988.312. Giro yang dijadikan
sebagai jaminan kredit yang diberikan sebesar Rp378.850 dan Rp375.222 pada tanggal 31
Desember 2015 dan 2014. Tidak ada tabungan yang dijadikan jaminan pada tanggal 31 Desember
2015 dan 2014. As of December 31, 2015 and 2014, time deposits
pledged as loans collateral amounted to Rp836,819 and Rp988,312, respectively. Current
account pledged as loans collateral amounted to Rp378,850 and Rp375,222 as of December 2015
and 2014. There were no saving accounts pledged as collateral as of December 31, 2015
and 2014.