FIXED ASSETS 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
15. ACCRUED INCOME 2012
2011 2010 Piutang bunga dari pinjaman yang diberikan 53,646 37,641 27,121 Interest receivable from loans Interest receivable from Piutang bunga dari efek-efek 5,922 2,968 2,732 marketable securities 59,568 40,609 29,853 16. BEBAN DIBAYAR DIMUKA16. PREPAYMENTS 2012
2011 2010 Sewa gedung 9,831 10,171 9,064 Building rental Renovasi 4,758 5,567 5,448 Renovations Promosi 1,105 581 91 Promotions Biaya pemeliharaan 926 251 209 Maintenance Lainnya 2,130 2,511 2,603 Others 18,750 19,081 17,415 Lain-lain terdiri antara lain implementasi sistem, premi asuransi dan instalasi gedung kantor. Others consist of system implementation, insurance premium and office building installation. Lihat Catatan 42 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 42 for detailed balances and transactions with related parties. 17. ASET LAIN-LAIN 17. OTHER ASSETS 2012 2011 2010 Uang muka 6,010 3,748 3,856 Advance payment Persediaan kantor 3,326 2,195 1,449 Office supplies Receivables relating to Tagihan terkait pengiriman uang 3,959 1,927 789 money transfer Beban yang ditangguhkan 537 413 - Deferred expenses Lainnya 2,709 1,654 1,194 Others 16,541 9,937 7,288 Lain-lain terdiri antara lain tagihan transfer Artajasa dan dana jaminan. Others consist of receivable from Artajasa and guarantee fund. 18. LIABILITAS SEGERA 18. OBLIGATIONS DUE IMMEDIATELY 2012 2011 2010 Rupiah Rupiah Hutang dividen 135 106 98 Dividend payable Lainnya 2,945 1,020 442 Others 3,080 1,126 540 Lainnya antara lain terdiri dari simpanan berjangka jatuh tempo. Others, amongst others, consist of matured time deposits. PQ R S T U VWX PYT S T Z SY [ S \ S ] _ ` Q RU CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 572 – Schedule 19. SIMPANAN DARI NASABAH19. DEPOSITS FROM CUSTOMERS a. Berdasarkan jenis dan mata uang
a. By type and currency 2012
2011 2010 Rupiah: Rupiah: Giro 274,001 233,387 176,989 Demand deposits Tabungan 483,167 367,125 276,523 Savings Deposito berjangka 4,884,249 3,283,115 1,790,617 Time deposits 5,641,417 3,883,627 2,244,129 Valuta asing: Foreign currency: Giro 306,841 72,657 80,404 Demand deposits Deposito berjangka 278,451 131,708 226,273 Time deposits 585,292 204,365 306,677 Jumlah 6,226,709 4,087,992 2,550,806 Total Terdiri dari: Consist of: Pihak berelasi 760,814 374,914 464,223 Related parties Pihak ketiga 5,465,895 3,713,078 2,086,583 Third parties Jumlah 6,226,709 4,087,992 2,550,806 Total Pada tanggal 31 Desember 2012, 2011 dan 2010, simpanan dari nasabah sebesar Rp 83.033, Rp 153.561 dan Rp 322.396 dijadikan jaminan atas pinjaman yang diberikan Bank. As at 31 December 2012, 2011 and 2010, customer deposits amounted to Rp 83,033, Rp 153,561 and Rp 322,396 was pledged as collateral for the loans granted by the Bank, respectively.b. Simpanan dari nasabah dari pihak berelasi
diungkapkan pada Catatan 42.b. Customer deposits from related parties are
disclosed in Note 42.c. Informasi mengenai jatuh tempo dan tingkat
suku bunga diungkapkan pada Catatan 46.c. Information with respect to maturities and
interest rates are disclosed in Note 46. 20. SIMPANAN DARI BANK LAIN 20. DEPOSITS FROM OTHER BANKS a. Berdasarkan jenis dan mata uang a. By type and currency 2012 2011 2010 Rupiah: Rupiah: Giro 22,910 3,851 3,087 Demand deposits Tabungan 3,844 4,038 2,419 Savings Deposito berjangka 141,428 198,882 247,374 Time deposits 168,182 206,771 252,880b. Pada tanggal 31 Desember 2012, 2011 dan
2010, tidak terdapat simpanan dari bank lain yang berelasi.b. As at 31 December 2012, 2011 and 2010, there
are no deposits from other banks which are recognised as related parties.c. Pada tanggal 31 Desember 2012, 2011 dan
2010, tidak terdapat simpanan dari bank lain yang dijadikan jaminan atas pinjaman yang diberikan.c. As at 31 December 2012, 2011 and 2010, there
are no deposits from other banks pledged as loans collateral.d. Informasi mengenai jatuh tempo dan tingkat
suku bunga diungkapkan pada Catatan 46.d. Information with respect to maturities and
interest rates are disclosed in Note 46.Parts
» LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» Establishment and general information
» Penawaran umum saham dan penerbitan obligasi Bank
» Public offering of the Bank’s shares and issudance of bonds
» GENERAL INFORMATION continued b. Penawaran umum saham dan penerbitan
» GENERAL INFORMATION continued c. Dewan Komisaris, Direksi, Komite Audit,
» KEBIJAKAN AKUNTANSI ACCOUNTING POLICIES
» Basis of preparation of the financial statements
» Basis of preparation of the financial statements continued
» Perubahan kebijakan akuntansi yang signifikan
» Changes in significant accounting policies Standar akuntansi yang baru
» ACCOUNTING POLICIES continued b. Perubahan kebijakan akuntansi yang
» Financial instruments i Aset keuangan
» Financial instruments continued i Aset keuangan lanjutan
» Financial instruments continued ii Liabilitas keuangan
» Financial instruments continued ii Liabilitas keuangan lanjutan
» Financial instruments continued iii Penentuan nilai wajar lanjutan
» Financial instruments continued iv Penghentian pengakuan
» Classification of financial assets and liabilities
» Classification of financial assets and liabilities continued
» Reklasifikasi aset keuangan Reclassification of financial assets
» Reclassification of financial assets
» Penurunan nilai dari aset keuangan Impairment of financial assets
» Impairment of financial assets continued
» Penjabaran mata uang asing Foreign currency translation
» Foreign currency translation continued
» Kas Cash ACCOUNTING POLICIES continued g. Penjabaran mata uang asing lanjutan
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Current accounts with Bank Indonesia and other banks continued
» Penempatan pada Bank Indonesia dan bank lain
» Placement with Bank Indonesia and other banks
» Efek-efek dan Obligasi Pemerintah Marketable Securities and Government
» Marketable Securities and Government Bonds continued
» Efek-efek yang dibeli dengan janji untuk dijual kembali
» Securities purchased ACCOUNTING POLICIES continued k. Efek-efek dan Obligasi Pemerintah lanjutan
» Pinjaman yang diberikan Loans
» Loans continued ACCOUNTING POLICIES continued m. Pinjaman yang diberikan lanjutan
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investments in shares
» Fixed assets ACCOUNTING POLICIES continued p. Aset tetap
» Foreclosed assets ACCOUNTING POLICIES continued q. Agunan yang diambil alih
» Beban dibayar dimuka dan Aset lain-lain Prepayments and Other assets
» Liabilitas segera Obligations due immediately
» Obligations due immediately continued
» Simpanan dari nasabah Deposits from customers
» Simpanan dari bank lain Deposits from other banks
» Efek - efek yang diterbitkan
» Marketable securities issued ACCOUNTING POLICIES continued s. Liabilitas segera lanjutan
» Pinjaman yang diterima Borrowings
» Perpajakan Taxation ACCOUNTING POLICIES continued v.
» Post employee benefits obligations
» Post employee ACCOUNTING POLICIES continued y. Liabilitas imbalan pasca-kerja lanjutan
» Obligasi subordinasi Subordinated bonds
» ACCOUNTING POLICIES continued aa. Pendapatan dan beban bunga lanjutan
» involves with business activities to
» operations result is observed regularly by
» separate financial information is available.
» ACCOUNTING POLICIES continued af. Laba per saham lanjutan
» PENGGUNAAN ESTIMASI DAN PERTIMBANGAN AKUNTANSI YANG PENTING
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS
» CASH 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» By currency and bank’s name 2012
» Berdasarkan kolektibilitas By collectibility
» Cadangan kerugian penurunan nilai Allowance for impairment losses
» Informasi mengenai jatuh tempo diungkapkan
» Information with respect to maturities is disclosed
» Berdasarkan tujuan, jenis dan mata uang By purpose, type and currency
» By purpose, type and currency continued 2012
» Berdasarkan tujuan, mata uang dan penerbit By purpose, currency and issuer
» Berdasarkan kolektibilitas Based on collectibility
» Allowance for impairment losses
» Informasi mengenai jatuh tempo dan tingkat suku
» Information with respect to maturities and
» Informasi pokok lainnya sehubungan dengan efek-efek
» Other significant information relating to marketable securities
» Securities purchased under resale agreement
» LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas
» By economic sector LOANS continued b. Berdasarkan sektor ekonomi
» By economic sector continued
» Kredit kepada pihak berelasi dan pihak ketiga By related and third parties
» By related and third parties continued
» Tingkat suku bunga rata-rata per tahun Average annual interest rate
» Allowance for impairment losses continued 2012
» Pinjaman yang LOANS continued f. Cadangan kerugian penurunan nilai lanjutan
» Legal lending limit LOANS continued h. Batas Maksimum Pemberian Kredit
» Jaminan Collateral LOANS continued h. Batas Maksimum Pemberian Kredit
» Informasi mengenai tingkat suku bunga dan jatuh
» Information in respect of interest rates and
» Berdasarkan mata uang By currencies
» Berdasarkan transaksi dengan pihak berelasi dan pihak ketiga
» By transactions with related party and third party
» FIXED ASSETS 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» FIXED ASSETS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» FIXED ASSETS continued ASET YANG DIAMBIL ALIH FORECLOSED ASSETS
» ACCRUED INCOME 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» PREPAYMENTS 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» Simpanan dari nasabah dari pihak berelasi
» Customer deposits from related parties are
» Informasi mengenai jatuh tempo dan tingkat
» Berdasarkan jenis dan mata uang By type and currency
» Pada tanggal 31 Desember 2012, 2011 dan
» As at 31 December 2012, 2011 and 2010, there
» By type 2012 DERIVATIVE PAYABLE a. Berdasarkan jenis
» Pada tanggal 31 Desember 2012, tidak terdapat
» As at 31 December 2012, there are no
» Information with respect to maturities are
» MARKETABLE SECURITIES ISSUED 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» MARKETABLE SECURITIES ISSUED continued Obligasi Bank Saudara I lanjutan
» MARKETABLE SECURITIES ISSUED continued Obligasi Bank Saudara II lanjutan
» Tax liabilities 2012 TAXATION a. Utang pajak
» Pajak penghasilan badan Corporate income tax
» Corporate income tax continued 2012
» Deferred tax TAXATION continued c. Pajak tangguhan
» Deferred tax continued TAXATION continued c. Pajak tangguhan lanjutan
» Administrasi Administration TAXATION continued c. Pajak tangguhan lanjutan
» LIABILITAS IMBALAN KERJA EMPLOYEE BENEFIT LIABILITIES
» LIABILITAS IMBALAN PASCA-KERJA KARYAWAN
» Jumlah yang diakui pada laporan laba rugi The amounts recognised in the profit or
» Mutasi nilai kini liabilitas Movements in the present value of
» Movement in the fair value of plan assets 2012
» Mutasi liabilitas yang diakui pada laporan posisi keuangan
» Movements in the liability recognised in the statements of financial position
» Nilai kini liabilitas yang didanai nilai wajar aset program dan defisit untuk lima tahun
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» SUBORDINATED BONDS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» MODAL SAHAM DAN TAMBAHAN MODAL DISETOR – BERSIH
» SHARE CAPITAL AND ADDITIONAL PAID IN CAPITAL - NET
» PROGRAM OPSI KARYAWAN DAN MANAJEMEN BERBASIS SAHAM ESOPMSOP
» EMPLOYEE AND MANAGEMENT STOCK OPTION PLAN ESOPMSOP
» PENGGUNAAN LABA BERSIH APPROPRIATION OF NET INCOME
» BASIC AND DILUTIVE EARNING PER SHARE
» PENDAPATAN BUNGA INTEREST INCOME
» INTEREST EXPENSES 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSES OF FINANCIAL ASSETS
» GENERAL AND ADMINISTRATIVE EXPENSES 2012
» BEBAN TENAGA KERJA PERSONNEL EXPENSES
» NON OPERATING INCOMEEXPENSES 2012 RELATED PARTIES TRANSACTIONS
» RELATED PARTIES TRANSACTIONS continued Sifat hubungan berelasi lanjutan
» RELATED PARTIES TRANSACTIONS continued
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» JASA KUSTODIAN CUSTODIAL SERVICES
» CUSTODIAL SERVICES continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» SEGMEN OPERASI OPERATING SEGMENTS
» OPERATING SEGMENTS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» OPERATING SEGMENTS continued Segmen geografis
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
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