GOVERNMENT BONDS DBS Indonesia FS 2016
11. ACCEPTANCE RECEIVABLES continued b.
Berdasarkan kolektibilitas Bank Indonesia b. By collectibility as per Bank Indonesia guideline 2016 2015 Lancar 3,768,213 2,971,052 Current Kurang lancar 1,674 - Substandard 3,769,887 2,971,052 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 39,526 23,471 impairment losses 3,730,361 2,947,581c. Cadangan kerugian penurunan nilai
c. Allowance for impairment losses
2016 2015 Saldo awal 23,471 25,228 Beginning balance Penyisihanpembalikan Allowancereversal selama tahun berjalan 16,055 1,755 during the year Selisih kurs penjabaran - 2 Exchange rate difference Saldo akhir 39,526 23,471 Ending balance Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai di atas telah memadai. The management believes that the above allowance for impairment losses is adequate. 12. PINJAMAN YANG DIBERIKAN 12. LOANS Pinjaman yang diberikan kepada pihak berelasi diungkapkan pada Catatan 30b. Informasi mengenai tingkat suku bunga diungkapkan pada Catatan 31b. Loans to related parties are disclosed in Note 30b. Information in respect of interest rates is disclosed in Note 31b.a. Berdasarkan jenis
a. By type
2016 2015 Modal kerja 26,147,224 26,957,186 Working capital Pinjaman investasi 11,770,265 12,807,646 Investment loans Pinjaman konsumsi 2,188,525 1,402,823 Consumer loans 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153 Terdiri dari: Consist of: - Pihak berelasi 23,239 33,866 Related parties - - Pihak ketiga 40,082,775 41,133,789 Third parties - 40,106,014 41,167,655 PT BANK DBS INDONESIA CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2016 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2016 Expressed in millions of Rupiah, unless otherwise stated Lampiran – 545 – Schedule 12. PINJAMAN YANG DIBERIKAN lanjutan12. LOANS continued a.
Berdasarkan jenis lanjutan a. By type continued Pinjaman konsumsi termasuk pinjaman karyawan sejumlah Rp 295.742 pada tanggal 31 Desember 2016 2015: Rp 244.685. Pinjaman karyawan adalah pinjaman berbunga untuk pembelian kendaraan bermotor, rumah tinggal dan keperluan lainnya, dengan jangka waktu yang bervariasi hingga maksimum 20 tahun. Pembayaran cicilan pinjaman dilakukan melalui pemotongan gaji karyawan setiap bulan. Consumer loans include loan to employees amounting to Rp 295,742 as at 31 December 2016 2015: Rp 244,685. Loans to the Bank’s employees consist of interest bearing loans intended for the acquisition of motor vehicles, housing and other purpose, which are due at various dates extending up to a period of 20 years. The loans are collected through monthly payroll deductions.b. Berdasarkan mata uang
b. By currency
2016 2015 Rupiah 26,474,448 26,911,813 Rupiah Mata uang asing 13,631,566 14,255,842 Foreign currencies 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153c. Berdasarkan sektor ekonomi
c. By economic sector
2016 2015 Industri 13,158,583 14,373,772 Industry Perdagangan, restoran dan hotel 9,288,729 9,125,170 Trade, restaurants and hotels Pertanian dan perikanan 7,778,859 9,254,715 Agriculture and fishery Pertambangan 3,359,820 3,077,858 Mining Jasa-jasa dunia usaha 2,101,154 1,696,537 Business services Konstruksi 1,267,890 1,139,468 Construction Pengangkutan, pergudangan dan Transportation, warehousing komunikasi 825,357 896,373 and communication Listrik, gas dan air 128,097 192,564 Electricity, gas and water Lain-lain 2,197,525 1,411,198 Others 40,106,014 41,167,655 Dikurangi: Less: Cadangan kerugian Allowance for penurunan nilai 1,400,493 1,225,502 impairment losses 38,705,521 39,942,153Parts
» Dasar penyusunan laporan keuangan
» Basis SUMMARY OF SIGNIFICANT ACCOUNTING
» Dasar SUMMARY OF SIGNIFICANT ACCOUNTING
» Perubahan pernyataan standar akuntansi
» Changes to the statements of financial
» Changes to the statements of financial Instrumen keuangan Financial instruments
» Aset keuangan Financial assets
» Aset keuangan lanjutan Financial assets continued
» Liabilitas keuangan Financial liabilities
» Liabilitas keuangan lanjutan Financial liabilities continued
» Penentuan nilai wajar lanjutan Determination
» Penghentian pengakuan Derecognition Aset dan liabilitas keuangan lanjutan Financial
» Instrumen keuangan lanjutan Financial instruments continued
» Instrumen keuangan lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Financial instruments continued SUMMARY OF SIGNIFICANT ACCOUNTING
» Foreign currency translation SUMMARY OF SIGNIFICANT ACCOUNTING
» Giro pada Bank Indonesia dan bank lain
» Current accounts with Bank Indonesia and
» Penempatan pada Bank Indonesia dan
» Efek-efek dan Obligasi Pemerintah
» Marketable securities and Government
» Instrumen keuangan derivatif SUMMARY OF SIGNIFICANT ACCOUNTING
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING
» Instrumen keuangan derivatif lanjutan
» Derivative SUMMARY OF SIGNIFICANT ACCOUNTING
» Tagihan dan liabilitas akseptasi
» Acceptance receivables and payables
» Pinjaman yang diberikan SUMMARY OF SIGNIFICANT ACCOUNTING
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING
» Aset tetap SUMMARY OF SIGNIFICANT ACCOUNTING
» Aset lain-lain dan liabilitas lain-lain
» Other assets and other liabilities
» Other SUMMARY OF SIGNIFICANT ACCOUNTING
» Perpajakan SUMMARY OF SIGNIFICANT ACCOUNTING
» Taxation SUMMARY OF SIGNIFICANT ACCOUNTING
» Perpajakan lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Taxation continued SUMMARY OF SIGNIFICANT ACCOUNTING
» Simpanan nasabah dan simpanan dari
» Pinjaman yang diterima SUMMARY OF SIGNIFICANT ACCOUNTING
» Borrowing SUMMARY OF SIGNIFICANT ACCOUNTING
» Liabilitas pensiun SUMMARY OF SIGNIFICANT ACCOUNTING
» Pension obligations SUMMARY OF SIGNIFICANT ACCOUNTING
» Liabilitas pensiun lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING
» Pension obligations continued SUMMARY OF SIGNIFICANT ACCOUNTING
» Surat utang subordinasi SUMMARY OF SIGNIFICANT ACCOUNTING
» Subordinated note SUMMARY OF SIGNIFICANT ACCOUNTING
» Pendapatan dan beban provisi dan komisi
» IKHTISAR PENGGUNAAN DBS Indonesia FS 2016
» Cadangan kerugian penurunan nilai aset Menentukan
» Determining USE OF CRITICAL ACCOUNTING ESTIMATES
» Imbalan pensiun Pensions USE OF CRITICAL ACCOUNTING ESTIMATES
» Berdasarkan mata uang By currency
» Berdasarkan kolektibilitas Bank Indonesia
» By collectibility as per Bank Indonesia
» Berdasarkan mata uang PENEMPATAN PADA BANK INDONESIA DAN
» By currency PENEMPATAN PADA BANK INDONESIA DAN
» Berdasarkan jenis dan mata uang
» Cadangan kerugian penurunan nilai
» Allowance for impairment losses
» GIRO PADA BANK LAIN EFEK – EFEK OBLIGASI PEMERINTAH
» GOVERNMENT BONDS DBS Indonesia FS 2016
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE RECEIVABLES AND PAYABLES
» DERIVATIVE RECEIVABLES AND PAYABLES
» By currency TAGIHAN AKSEPTASI ACCEPTANCE RECEIVABLES
» Berdasarkan jenis PINJAMAN YANG DIBERIKAN LOANS
» By type PINJAMAN YANG DIBERIKAN LOANS
» Berdasarkan sektor ekonomi By economic sector
» Pinjaman yang direstrukturisasi LOANS continued d.
» Restructured loans LOANS continued d.
» Pinjaman sindikasi LOANS continued f.
» Syndicated loans LOANS continued f.
» Nilai tercatat diamortisasi dari pinjaman
» FIXED ASSETS 2016 DBS Indonesia FS 2016
» OTHER ASSETS DBS Indonesia FS 2016
» Utang pajak kini PERPAJAKAN TAXATION
» Current tax payable PERPAJAKAN TAXATION
» TAXATION continued b. DBS Indonesia FS 2016
» Aset pajak tangguhan TAXATION continued b.
» Deferred tax assets TAXATION continued b.
» Lain-lain TAXATION continued c.
» Others TAXATION continued c.
» TAXATION continued e. DBS Indonesia FS 2016
» Simpanan nasabah yang diblokir sebagai
» Nilai tercatat diamortisasi dari simpanan
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» ACCEPTANCE PAYABLES DBS Indonesia FS 2016
» PINJAMAN YANG DITERIMA BORROWING
» BORROWING Sumitomo Mitsui Trust Bank Ltd
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» PENYISIHAN IMBALAN KERJA KARYAWAN PROVISIONS FOR EMPLOYEE BENEFITS
» Beban imbalan kerja karyawan
» Employee benefits expense PROVISIONS FOR
» Penyisihan imbalan kerja karyawan
» Provisions for employee benefits
» Mutasi penyisihan imbalan kerja karyawan
» Asumsi-asumsi Key PROVISIONS FOR
» SURAT UTANG SUBORDINASI SUBORDINATED NOTE
» SUBORDINATED NOTE continued DBS Indonesia FS 2016
» PENDAPATAN BUNGA INTEREST INCOME
» INTEREST INCOME continued DBS Indonesia FS 2016
» BEBAN BUNGA INTEREST EXPENSE
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» SALARIES AND ALLOWANCE EXPENSES 2016
» Berdasarkan jenis KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» By type KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» Berdasarkan kolektibilitas KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» By collectability KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» NET OPEN POSITION DBS Indonesia FS 2016
» Pihak-pihak RELATED PARTY TRANSACTIONS
» The Bank entered into certain transactions
» Aset RELATED PARTY TRANSACTIONS continued a.
» Assets RELATED PARTY TRANSACTIONS continued a.
» Liabilitas kepada pihak berelasi
» Pendapatan dan biaya dari pihak berelasi
» Income and expense from related parties
» RELATED PARTY TRANSACTIONS continued d.
» Commitments RELATED PARTY TRANSACTIONS continued e.
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued a.
» RISK MANAGEMENT continued b.
» RISK MANAGEMENT continued c.
» Risiko operasional RISK MANAGEMENT continued c.
» Operational risk RISK MANAGEMENT continued c.
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