GIRO PADA BANK INDONESIA lanjutan CURRENT
b. By transactions with certain parties
2012 2011 Pihak ketiga Third parties Rupiah 69.380 17.413 Rupiah Mata uang asing Foreign currencies Dolar Amerika Serikat 178.434 66.287 United States Dollar Euro Eropa 18.988 17.850 European Euro Yuan Cina 13.880 - Chinese Yuan Dolar Singapura 5.531 5.020 Singapore Dollar Dolar Australia 1.893 396 Australian Dollar Poundsterling Inggris 1.528 1.079 Great Britain Poundsterling Yen Jepang 61 60 Japanese Yen Dolar Hong Kong 60 - Hong Kong Dollar 289.755 108.105 Total 289.755 108.105 Total Dikurangi cadangan kerugian Less allowance penurunan nilai 69 92 for impairment losses Neto 289.686 108.013 Net c. Berdasarkan bank c. By bank 2012 2011 Rupiah Rupiah Bank Pemerintah Daerah Regional Banks PT BPD Jawa Tengah 1.129 232 PT BPD Jawa Tengah PT BPD Lampung 468 - PT BPD Lampung PT BPD Kalimatan Selatan 310 - PT BPD Kalimatan Selatan PT BPD Jawa Timur 25 25 PT BPD Jawa Timur PT BPD Kalimantan Timur 21 526 PT BPD Kalimantan Timur PT BPD DKI 18 18 PT BPD DKI PT BPD Bali 5 5 PT BPD Bali PT BPD Sulawesi Selatan 5 4 PT BPD Sulawesi Selatan PT BPD Riau 2 2 PT BPD Riau PT BPD Sulawesi Utara 1 - PT. BPD Sulawesi Utara PT BPD Sumsel dan Babel 1 - PT BPD Sumsel dan Babel 1.985 812 Laporan Tahunan 2012 AnnualReport• bank bjb 417 Performance Good Corporate The original consolidated financial statements included herein are in the Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years ended December 31, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 77 6. GIRO PADA BANK LAIN lanjutan 6. CURRENT ACCOUNTS WITH OTHER BANKS continued c. Berdasarkan bank lanjutanc. By bank continued
2012 2011 Bank Umum Commercial Banks PT Bank Central Asia Tbk 54.332 15.454 PT Bank Central Asia Tbk PT Bank Danamon Indonesia Tbk 8.749 27 PT Bank Danamon Indonesia Tbk PT Bank Negara Indonesia PT Bank Negara Indonesia Persero Tbk 1.400 82 Persero Tbk PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 1.056 1.036 Persero Tbk PT Bank Mandiri Persero Tbk 644 2 PT Bank Mandiri Persero Tbk PT Bank Andara 541 - PT Bank Andara PT Bank NISP Tbk 368 - PT Bank NISP Tbk PT Bank CIMB Niaga Tbk 263 - PT Bank CIMB Niaga Tbk PT Bank Himpunan Saudara Tbk 42 - PT Bank Himpunan Saudara Tbk 67.395 16.601 Total rupiah 69.380 17.413 Total rupiah Mata uang asing Foreign currencies Wells Fargo Bank, San Fransisco 59.116 - Wells Fargo Bank, San Fransisco Citibank, New York 36.294 4.641 Citibank, New York PT Bank Mandiri Persero Tbk 24.816 13.027 PT Bank Mandiri Persero Tbk Wells Fargo Bank, New York 20.071 14.299 Wells Fargo Bank, New York PT Bank Negara Indonesia PT Bank Negara Indonesia Persero Tbk, Tokyo 16.893 2.549 Persero Tbk, Tokyo PT Bank Central Asia Tbk 14.748 5.931 PT Bank Central Asia Tbk Standard Chartered Bank, Standard Chartered Bank, Frankfurt 14.621 12.290 Frankfurt Industrial and Commercial Bank Industrial and Commercial Bank Of China 13.880 - Of China Standard Chartered Bank, Standard Chartered Bank, New York 6.424 5.043 New York Overseas-Chinese Banking Overseas-Chinese Banking Corporation, Singapura 5.531 5.020 Corporation, Singapore Commerzbank, Frankfurt 4.062 2.908 Commerzbank, Frankfurt Australia and New Zealand Bank, Australia and New Zealand Bank, Melbourne 1.893 396 Melbourne Wells Fargo Bank, London 1.824 3.639 Wells Fargo Bank, London Bank Of America 132 - Bank Of America Indover Bank, Amsterdam 69 92 Indover Bank, Amsterdam Citibank, Hong Kong 1 1 Citibank, Hong Kong Wells Fargo Bank, Philadelpia - 20.856 Wells Fargo Bank, Philadelphia Total mata uang asing 220.375 90.692 Total foreign currencies Total 289.755 108.105 Total Dikurangi cadangan kerugian Less allowance penurunan nilai 69 92 for impairment losses Neto 289.686 108.013 Net d. Tingkat suku bunga rata-rata per tahun d. Average interest rate per annum 2012 2011 Rupiah 1,80 1,18 Rupiah Mata uang asing 0,19 0,16 Foreign currenciesParts
» bjb ar 2012 INDIGO Editorial 19MAR
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok
» bjb successfully posted a net profit of Rp 1.9 trillion, or
» Peluang peningkatan image bank bjb dengan turut serta
» Pengembangan jaringan bank bjb diluar Provinsi Jawa
» Network development of bank bjb outside West Java,
» Pengembangan jaringan waroeng bjb;
» Overall, the performance of the bank bjb as dealer of
» bank bjb juga bekerja sama dengan beberapa perguruan
» respectively. The increased LDR represents bank bjb
» 2011 on the bank bjb Formation of Structure Members of
» 2011 on the Formation of Structure Members of bank bjb’s
» Persiapan dan Pelaksanaan RUPSLB bank bjb Preparation and implementation of bank bjb EGMS
» Program Ide Kreatif untuk bank bjb
» Creative Idea Program for bank bjb
» bank bjb Service Excellence Awards Program
» Expanding the network to areas unserved bank bjb with
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Establishment and general information about the Bank continued
» Maksud dan tujuan Purpose and objectives
» 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 Public offering of bonds
» Penawaran umum obligasi lanjutan Public offering of bonds continued
» Penawaran umum obligasi lanjutan
» Public offering of bonds continued
» Pendirian dan informasi umum entitas anak Establishment and general information
» Pendirian dan informasi umum entitas anak lanjutan
» Establishment and general information about the subsidiaries continued
» Establishment and general information about the subsidiary continued
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi Principles of consolidation
» Prinsip konsolidasi lanjutan Principles of consolidation continued
» Penjabaran mata uang asing Foreign
» 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
» Aset keuangan dan liabilitas keuangan lanjutan
» Financial assets and liabilities continued
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Giro pada Bank Indonesia dan bank lain lanjutan
» Current accounts with Bank Indonesia and other banks continued
» Penempatan pada Bank Indonesia dan bank 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
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Instrumen keuangan derivatif lanjutan
» Derivative financial SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Kredit yang diberikan lanjutan Loans continued
» Pembiayaan syariah SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Sharia financing SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Identifikasi dan pengukuran penurunan nilai atas aset keuangan Identification and
» 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 Investments in shares
» Penyertaan saham lanjutan Investments in shares continued Aset tetap Fixed assets
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi
» Impairment of non-financial assets and commitments and contingencies
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi lanjutan
» Impairment of non-financial assets and commitments
» 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 dari bank lain Deposits from other banks
» 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 dan beban bunga Interest income and expense
» Pendapatan dan beban bunga lanjutan Interest income and expense continued
» Pendapatan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fees and commission income sharia
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» KAS CASH GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» Berdasarkan mata uang By currency
» By transactions with certain parties
» By bank continued GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga rata-rata per tahun Average interest rate per annum
» Berdasarkan kolektibilitas GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Transaksi dengan pihak tertentu Transaction with certain parties
» Transaksi dengan pihak tertentu lanjutan Transaction
» Berdasarkan sisa umur hingga jatuh tempo By remaining period until maturity
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Berdasarkan jenis PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By type and counterparty bank continued
» Perubahan cadangan kerugian penurunan
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan penerbit lanjutan SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer continued SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo By maturity
» Berdasarkan efek pemerintah dan bukan pemerintah
» By government SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES bjb ar 2012 INDIGO Editorial 19MAR
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» WESEL EKSPOR DAN TAGIHAN LAINNYA lanjutan
» Berdasarkan jenis, KREDIT YANG DIBERIKAN LOANS
» By type, currency and collectibility
» Berdasarkan jenis, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» By type, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
» Kisaran suku bunga Range of loan interest rates
» Ikhtisar KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Ikhtisar kredit KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Non-performing loans by economic sector continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
» Other significant information relating to loans continued
» Informasi pokok lainnya sehubungan
» Berdasarkan jenis dan kolektibilitas By type and collectibility
» 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 Range of equivalent margin and profit Ikhtisar pembiayaan
» Perubahan cadangan kerugian penurunan nilai Movements
» TAGIHAN AKSEPTASI ACCEPTANCE RECEIVABLES
» PENYERTAAN SAHAM INVESTMENT IN SHARES
» Berdasarkan kolektibilitas PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» By collectibility PENYERTAAN SAHAM lanjutan INVESTMENTS IN SHARES continued
» Movements in the allowance for impairment losses
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» Perubahan cadangan kerugian penurunan nilai properti terbengkalai
» Movements in ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» 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
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» MARKETABLE SECURITIES SOLD UNDER REPURCHASE AGREEMENTS
» Obligasi VII Bank BJB Bank BJB Bonds VII
» Obligasi VII Bank BJB lanjutan Bank BJB Bonds VII continued
» Obligasi VI Bank BJB Bank BJB Bonds VI
» Obligasi VI Bank BJB lanjutan Bank BJB Bonds VI continued
» PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Estimated losses on commitments and contingencies
» Perubahan estimasi kerugian komitmen dan kontinjensi
» Movements in the estimated losses on commitments and contingencies
» Taxes payable INCOME TAX a. Hutang pajak
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset pajak tangguhan Deferred tax assets
» Aset pajak tangguhan lanjutan Deferred tax assets continued
» Surat ketetapan pajak Tax assessment letters
» Perubahan tarif pajak Changes in tax rate
» Perubahan tarif pajak lanjutan Changes in tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL
» OTHER PAID-UP CAPITAL bjb ar 2012 INDIGO Editorial 19MAR
» PENGGUNAAN LABA DISTRIBUTION OF INCOME
» PENDAPATAN BUNGA DAN SYARIAH INTEREST AND SHARIA INCOME
» BEBAN BUNGA DAN BAGI HASIL SYARIAH INTEREST EXPENSE AND SHARIA PROFIT
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN OPERASIONAL LAINNYA OTHER OPERATING EXPENSES
» BEBAN OPERASIONAL LAINNYA lanjutan OTHER OPERATING EXPENSES continued
» PENDAPATANBEBAN NON-OPERASIONAL NON-OPERATING INCOMEEXPENSES
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» ASET KEUANGAN bjb ar 2012 INDIGO Editorial 19MAR
» 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
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION 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 SUKU BUNGA INTEREST RATE RISK
» RISIKO SUKU BUNGA lanjutan INTEREST RATE RISK continued
» RISIKO OPERASIONAL OPERATIONAL RISK
» ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING lanjutan
» MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT bjb ar 2012 INDIGO Editorial 19MAR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» Risiko kepatuhan lanjutan Compliance risks continued
» JAMINAN PEMERINTAH bjb ar 2012 INDIGO Editorial 19MAR
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY OF COMMERCIAL BANKS
» GOVERNMENT GUARANTEE FOR PAYMENT LIABILITY
» Perjanjian penyelenggaraan PERIKATAN-PERIKATAN YANG SIGNIFIKAN SIGNIFICANT AGREEMENTS
» Joint Automatic Teller Machine “ATM” agreement
» Perjanjian penyediaan layanan operasional terminal ATM
» ATM terminal operational service provider agreement
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan
» Memorandum of Understanding MoU and Cooperation Agreements with several state-
» Pengikatan jual beli gedung kantor Sale-purchased
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan PERNYATAAN STANDAR
» REVISED STATEMENTS bjb ar 2012 INDIGO Editorial 19MAR
» REKLASIFIKASI SURAT BERHARGA YANG DIMILIKI
» RECLASSIFICATION OF bjb ar 2012 INDIGO Editorial 19MAR
» PENYELESAIAN LAPORAN bjb ar 2012 INDIGO Editorial 19MAR
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