Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan Other significant information relating to loans continued
h. Informasi pokok lainnya sehubungan dengan kredit yang diberikan lanjutan
i. Other significant information relating to loans continued
3 Kredit Program Pemerintah terdiri atas Kredit Usaha Tani, Kredit Koperasi Primer dan Anggotanya, dan Kredit Pengusaha Kecil dan Mikro. Saldo kredit program yang disalurkan dengan sistem channeling pada tanggal 30 September 2012 dan 31 Desember 2011 masing- masing sebesar Rp271.917 dan Rp272.124. 3 Government Program Loans consist of Agricultural Business Loans, Primary and Member Cooperative Loans, Small and Micro Business Loans, and Food Preservation Loans. The outstanding balances of loans distributed through the channeling system As of September 30, 2012 and December 31, 2011 amounted to Rp271,917 and Rp272,124, respectively. 4 Kredit karyawan adalah kredit yang diberikan kepada karyawan untuk membeli kendaraan, rumah, atau keperluan lainnya dengan tingkat bunga sebesar 6,5 dan jangka waktu antara 1 sampai 12 tahun. Pinjaman dan bunganya dilunasi melalui pemotongan gaji setiap bulan. 4 Loans to employees are loans for purchasing vehicles, houses or other items with an interest rate of 6.5 and a maturity term of 1 to 12 years. The loans and interest payments are collected through monthly payroll deduction. 5 Pada tanggal 30 September 2012 dan 31 Desember 2011, Bank memenuhi ketentuan Bank Indonesia tentang Batas Maksimum Pemberian Kredit BMPK. 5 As of September 30, 2012 and December 31, 2011, the Bank complied with the Legal Lending Limit LLL requirements of Bank Indonesia. 6 Rasio kredit UMKM terhadap kredit yang diberikan adalah 24,48 dan 17,58 masing-masing untuk tanggal 30 September 2012 dan 31 Desember 2011. 6 The ratio of UMKM credit to total loans was 24.48 and 17.58. As of September 30, 2012 and Desember 31, 2011, respectively . 7 Keikutsertaan Bank dalam pinjaman sindikasi dengan bank lain adalah sebesar Rp718.915 dan Rp647.945 masing-masing pada tanggal 30 September 2012 dan 31 Desember 2011. Partisipasi Bank dalam pinjaman sindikasi tersebut masing-masing berkisar antara 0,03-33,33 dan 0,53-33,33 pada tanggal 30 September 2012 dan 31 Desember 2011. 7 The Bank‟s participation in syndicated loans with other banks amounted to Rp718,915 and Rp647,945 as of September 30, 2012 and December 31, 2011, respectively. The Bank‟s participation in syndicated loans ranged between 0.03-33.33 and 0.53- 33.33 as of September 30, 2012 and December 31, 2011, respectively. 8 Kredit hapus buku pada tanggal 30 September 2012 dan 31 Desember 2011 masing-masing berjumlah Rp962.270 dan Rp793.556. 8 Total loans written off as of September 30, 2012 and December 31, 2011 amounted to Rp962,270 dan Rp793,556, respectively. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 30 September 2012 dan 31 Desember 2011 serta Periode yang berakhir pada tanggal 30 September 2012 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARY NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS September 30, 2012 and December 31, 2011 and for period ended September 30, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 85 8. KREDIT YANG DIBERIKAN lanjutan 8. LOANS continuedParts
» Financial Statement September 30 3Q 2012 Full Version
» Pendirian dan informasi umum Bank Establishment and general information
» Maksud dan tujuan Purpose and objectives
» Jaringan kantor lanjutan Office network continued Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum obligasi lanjutan Public offering of bonds continued
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi lanjutan Principles of consolidation 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
» Surat berharga lanjutan Marketable securities continued
» Instrumen keuangan derivatif lanjutan Derivative
» Kredit yang diberikan lanjutan Loans continued Pembiayaan syariah Sharia financing
» Identifikasi dan pengukuran penurunan
» Penyertaan Saham Investments in Shares
» Aset tetap lanjutan Fixed assets continued
» Simpanan nasabah, Simpanan nasabah syariah
» Pendapatan dan beban bunga lanjutan Interest income and expense continued Pendapatan provisi
» Perpajakan Taxation Imbalan kerja Employee benefits
» Imbalan kerja lanjutan Employee benefits continued
» KAS CASH GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» Berdasarkan jenis dan mata uang Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued Berdasarkan jatuh tempo By maturity
» Berdasarkan Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan jatuh tempo
» Ikhtisar kredit bermasalah berdasarkan
» Informasi pokok lainnya sehubungan
» Informasi pokok lainnya sehubungan Other significant information relating to loans continued
» Berdasarkan sektor ekonomi By economic sector
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan MARKETABLE SECURITIES
» ASET TETAP FIXED ASSETS ASET TETAP lanjutan FIXED ASSETS continued
» By type and currency Deposits from customers
» Obligasi VII Bank BJB Bank BJB Bonds VII
» Obligasi VII Bank BJB lanjutan Bank BJB Bonds VII continued
» 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
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset pajak tangguhan Deffered tax assets
» LIABILITAS LAIN-LAIN OTHER LIABILITIES MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL APPROPRIATION OF NET INCOME
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES ASET KEUANGAN
» ASET KEUANGAN Financial Statement September 30 3Q 2012 Full Version
» ASET KEUANGAN 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
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR CURRENCY RISK
» RISIKO NILAI TUKAR lanjutan CURRENCY 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
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued RASIO LIABILITAS
» Jasa Bank Pengumpulan Tol Collection of toll charges
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