PINJAMAN QARDH lanjutan FUNDS OF QARDH continued
Indonesian language.
PT BANK BRISyariah CATATAN ATAS LAPORAN KEUANGAN
Tahun yang Berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK BRISyariah NOTES TO THE FINANCIAL STATEMENTS
Years Ended December 31, 2012 and 2011
Expressed in millions of Rupiah, unless otherwise stated
67
25. PENDAPATAN DARI JUAL BELI 25. INCOME FROM SALES AND PURCHASES
Pendapatan dari jual beli terdiri dari: Income from sales and purchases consists of:
2012 2011
Murabahah 887.848
612.949 Murabahah
Istishna 3.090
5.283 Istishna
Jumlah 890.938
618.232 Total
26. PENDAPATAN BAGI HASIL 26. INCOME FROM PROFIT SHARING
Pendapatan bagi hasil terdiri dari: Income from profit sharing consists of:
2012 2011
Musyarakah 148.910
105.644 Musyarakah
Mudharabah 93.036
65.174 Mudharabah
Jumlah 241.946
170.818 Total
27. PENDAPATAN DARI IJARAH - NETO 27. INCOME FROM IJARAH - NET
Pendapatan dari ijarah - neto terdiri dari: Income from ijarah - net consists of:
2012 2011
Ujrah rahn dan Kepemilikan Ujrah of rahn and
Logam Mulia KLM 35.938
9.512 Gold Financing KLM
Ijarah muntahiyah bittamlik 32.319
6.051 Ijarah muntahiyah bittamlik
Ijarah multijasa 26
17 Ijarah multi-services
Jumlah 68.283
15.580 Total
Beban penyusutan aset yang diperoleh Depreciation expense of assets
untuk ijarah Catatan 11 21.076
4.491 acquired for ijarah Note 11
Neto 47.207
11.089 Net
28. PENDAPATAN USAHA UTAMA LAINNYA 28. OTHER MAIN OPERATING INCOME
Pendapatan usaha utama lainnya terdiri dari:
Other main operating income consists of:
2012 2011
Qardh 104.905
181.588 Qardh
Bonus Sertifikat Bank Bonus from Bank Indonesia
Indonesia Syariah SBIS dan Sharia Certificates SBIS and
Fasilitas Simpanan Bank Indonesia Bank Indonesia Sharia Deposit
Syariah FASBIS 29.999
35.936 Facilities FASBIS
Bagi hasil investasi Profit sharing from investments
pada surat berharga 23.286
28.141 in marketable securities
Bagi hasil penempatan Profit sharing from placements
pada bank lain 120
258 with other bank
Jumlah 158.310
245.923 Total
Indonesian language.
PT BANK BRISyariah CATATAN ATAS LAPORAN KEUANGAN
Tahun yang Berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK BRISyariah NOTES TO THE FINANCIAL STATEMENTS
Years Ended December 31, 2012 and 2011
Expressed in millions of Rupiah, unless otherwise stated
68
29. HAK PIHAK KETIGA ATAS BAGI HASIL 29. THIRD PARTIES’ SHARE ON RETURN
Hak pihak ketiga atas bagi hasil terdiri atas: Third parties’ share on return consist of:
2012 2011
Deposito mudharabah 510.974
455.323 Mudharabah time deposits
Sertifikat Investasi Mudharabah Interbank Mudharabah Investment
Antarbank SIMA 13.381
4.763 Certificate SIMA Tabungan mudharabah
2.850 1.819
Mudharabah savings deposits Pinjaman mudharabah
390 -
Mudharabah borrowing
Jumlah 527.595
461.905 Total
30. PENDAPATAN USAHA LAINNYA 30. OTHER OPERATING INCOME
Pendapatan usaha lainnya terdiri dari: Other operating income consists of:
2012 2011
Pendapatan imbalan jasa perbankan 146.887
90.226 Fee based income from banking services Lain-lain
22.184 5.482
Others
Jumlah 169.071
95.708 Total
Pendapatan imbalan jasa perbankan terdiri dari pendapatan jasa dari qardh talangan haji, biaya
administrasi piutang dan pembiayaan, pendapatan administrasi deposito, jasa pembayaran pada pihak
ketiga dan jasa bank lainnya. Fee based income from banking services consist of
services fee from hajj bailout of qardh, receivables and financing administration fees, time deposits
administration fees, services fees to third parties and other banking services fees.
Lain-lain terdiri dari pendapatan jasa agen investasi terikat,
pendapatan administrasi
rekening, pendapatan administrasi cek, pendapatan komisi
asuransi dan lainnya. Others consist of restricted investment agent
service fees, account administration fees, income cheque administration fees, commissions and
insurance fees and others.