Berdasarkan jenis dan mata uang lanjutan By type and currency continued
12. LOANS continued f.
Tingkat suku bunga per tahun f. Annual interest rates Dolar Amerika Serikat United States Dolar Singapura Rupiah Dollar Euro Singapore Dollar Bunga kontrak Contractual rates 2015 4.09 - 22.00 5.00 - 7.25 2.50 7.00 2015 2014 5.00 - 22.00 6.00 - 9.75 LIBOR+1.80 6.50 - 8.00 2014 Bunga efektif Effective interest rate 2015 7.20 - 41.12 4.68 - 7.08 2.50 7.10 - 7.25 2015 2014 5.52 - 34.56 6.72 - 8.28 LIBOR+1.80 6.48 - 7.20 2014 g. Pinjaman yang direstrukturisasi g. Restructured loans Berikut ini adalah jenis dan jumlah kredit yang telah direstrukturisasi per 31 Desember 2015 dan 2014: Below is the type and amount of restructured loans as of 31 December 2015 and 2014: 2015 2014 Perpanjangan jangka waktu kredit 3,179,700 933,468 Extension of loan maturity dates Perpanjangan jangka waktu dan penurunan suku bunga Extension of loan maturity dates and kredit 6,344,553 497,107 reduction of interest rates Perpanjangan jangka waktu kredit, penurunan suku Extension of loan maturity dates, bunga kredit, dan program reduction of interest rates and restrukturisasi lain-lain 11,183,043 4,932,955 other restructuring programs Total 20,707,296 6,363,530 Total Cadangan kerugian Allowance for penurunan nilai 3,530,018 1,695,756 impairment losses Neto 17,177,278 4,667,774 Net Program restrukturisasi lain-lain terutama terdiri dari penambahan fasilitas kredit, Perjanjian Pengakuan Utang PPH dan Interest Balloon Payment IBP. Other restructuring amounts mainly involved additions of loan facilities, debt recognition agreements PPH and Interest Balloon Payments IBP. Pinjaman yang direstrukturisasi berdasarkan kolektibilitas adalah sebagai berikut: Restructured loans by collectibility are as follows: 2015 2014 Lancar 14,441,801 4,565,600 Pass Dalam perhatian khusus 2,483,985 624,048 Special mention Kurang lancar 2,092,868 54,653 Substandard Diragukan 49,219 110,693 Doubtful Macet 1,639,423 1,008,536 Loss Total 20,707,296 6,363,530 Total Cadangan kerugian Allowance for penurunan nilai 3,530,018 1,695,756 impairment losses Neto 17,177,278 4,667,774 Net DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2015 DAN 2014 Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2015 AND 2014 Expressed in millions of Rupiah, unless otherwise stated Halaman - 105 - Page 12. PINJAMAN YANG DIBERIKAN lanjutan12. LOANS continued h. Pinjaman sindikasi
h. Syndicated loans
Pinjaman sindikasi merupakan pinjaman yang diberikan kepada debitur berdasarkan perjanjian pembiayaan bersama dengan bank- bank lain. Syndicated loans represent loans provided to borrowers under syndication agreements with other banks. Keikutsertaan BNI dalam pinjaman sindikasi dengan bank-bank lain adalah sebesar Rp32.739.703 dan Rp18.802.669 masing- masing pada tanggal 31 Desember 2015 dan 2014. BNI’s participation in syndicated loans with other banks amounted to Rp32,739,703 and Rp18,802,669 as of 31 December 2015 and 2014, respectively. Persentase bagian BNI dalam pinjaman sindikasi, dimana BNI bertindak sebagai pimpinan sindikasi adalah sebagai berikut: BNI’s percentage shares in syndicated loans, where BNI acts as the lead arranger, is as follows: 2015 2014 Partisipasi 27.00 - 55.00 27.00 - 55.00 Participation Keikutsertaan BNI dalam pinjaman sindikasi, dimana BNI bertindak sebagai anggota sindikasi adalah sebagai berikut: BNI’s participation in syndicated loans, where BNI is the syndication member, is as follows: 2015 2014 Partisipasi 0.03 - 64.43 0.03 - 64.43 Participationi. Cadangan kerugian penurunan nilai
i. Allowance for impairment losses
Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut: The movements in the allowance for impairment losses are as follows: 2015 Individu Individual Kolektif Collective Total Saldo awal 2,807,221 4,163,074 6,970,295 Beginning balance Penyisihan selama tahun berjalan 2,204,722 5,014,092 7,218,814 Allowance during the year Penerimaan kembali pinjaman yang telah dihapusbukukan 81,666 104,421 186,087 Recovery of written off loans Penghapusan selama tahun berjalan 335,078 2,131,027 2,466,105 Write-offs during the year Penyesuaian karena Foreign exchange translation penjabaran mata uang asing 16,749 112,778 129,527 adjustment Saldo akhir 4,775,280 7,263,338 12,038,618 Ending balance 2014 Individu Individual Kolektif Collective Total Saldo awal 2,970,728 3,909,308 6,880,036 Beginning balance Penyisihan selama tahun berjalan 999,586 2,667,873 3,667,459 Allowance during the year Penerimaan kembali pinjaman yang telah dihapusbukukan 63,456 172,824 236,280 Recovery of written off loans Penghapusan selama tahun berjalan 1,214,427 2,426,681 3,641,108 Write-offs during the year Penyesuaian karena Foreign exchange translation penjabaran mata uang asing 12,122 160,250 172,372 adjustment Saldo akhir 2,807,221 4,163,074 6,970,295 Ending balanceParts
» Laporan Manajemen Risiko kepada Direksi
» Laporan Informasi Manajemen Risiko kepada publik
» Pelaksanaan Fungsi Penerapan Program Anti Pencucian Uang dan Pencegahan
» Pelaksanaan Fungsi implementasi Strategi Anti Fraud
» Penawaran Umum Saham Terbatas I Limited Public Offering I
» Rekapitalisasi Recapitalization GENERAL INFORMATION continued b. Penawaran Umum Perdana Saham
» Recapitalization continued GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Kuasi-reorganisasi Quasi-reorganisation GENERAL INFORMATION continued d. Rekapitalisasi lanjutan
» Penawaran Umum Saham Terbatas II
» Limited Public Offering II continued
» Penawaran Umum Saham Terbatas III Limited Public Offering III
» Organisasi dan Struktur Manajemen Organizational and Management Structure
» Organizational and Management Structure
» Organizational and Management Structure Entitas Anak Subsidiaries
» GENERAL INFORMATION continued i.
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENTING
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Basis of preparation of the consolidated financial statements continued
» Financial assets and liabilities
» Financial assets and liabilities continued
» Prinsip konsolidasian Principles of consolidation
» Principles of consolidation continued
» Transaksi dalam mata uang asing dan penjabaran
» Foreign currency SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Efek-efek dan Obligasi Pemerintah Marketable securities and Government
» Marketable securities and Government Bonds continued
» Efek-efek yang dibelidijual dengan janji
» Securities SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Wesel ekspor dan tagihan lainnya
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Derivative financial instruments continued Akuntansi Lindung Nilai lanjutan
» Pinjaman yang diberikan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Loans SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Financial guarantee contracts SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Equity investments
» Equity investments continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Aset tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Liabilitas segera SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Obligations due immediately SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Deposits from customers SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Efek-efek yang diterbitkan Securities issued
» Pinjaman yang diterima Borrowings
» Borrowings continued SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dana syirkah temporer SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Temporary syirkah funds continued
» Pendapatan bunga SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Interest income and sharia income, interest expense and sharia expense continued
» Pendapatan provisi dan komisi Fees and commission income
» PENGGUNAAN ESTIMASI bni ar 2015 th
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGMENTS continued
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» CURRENT ACCOUNTS WITH BANK INDONESIA
» By currency Berdasarkan hubungan By relationship
» Berdasarkan kolektibilitas Bank Indonesia By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai Allowance for impairment losses
» Cadangan kerugian CURRENT ACCOUNTS WITH OTHER BANKS
» Allowance for CURRENT ACCOUNTS WITH OTHER BANKS
» Tingkat suku bunga per tahun
» Berdasarkan jenis dan mata uang By type and currency
» By type and currency continued
» By relationship PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Penempatan pada PLACEMENTS WITH OTHER BANKS AND BANK INDONESIA
» Placements with other banks pledged as collateral
» Berdasarkan hubungan By relationship
» Berdasarkan penerbit By issuer
» By rating MARKETABLE SECURITIES continued d. Berdasarkan peringkat
» By rating continued MARKETABLE SECURITIES continued d. Berdasarkan peringkat lanjutan
» By Bank Indonesia collectibility
» Cadangan kerugian penurunan nilai
» Allowance for impairment losses
» Tingkat suku bunga per tahun Annual interest rates
» By type and currency continued Berdasarkan hubungan By relationship
» Berdasarkan pihak dan mata uang By party and currency
» By party and currency continued
» Allowance for ACCEPTANCES RECEIVABLE continued d. Cadangan
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» By relationship continued LOANS continued b. Berdasarkan hubungan lanjutan
» Berdasarkan sektor ekonomi By economic sector
» Pinjaman bermasalah LOANS continued d. Berdasarkan kolektibilitas Bank Indonesia
» Non-performing loans and allowance for impairment losses by economic sector
» Pinjaman yang direstrukturisasi Restructured loans
» Syndicated loans LOANS continued h. Pinjaman sindikasi
» Other significant information relating to
» LOANS continued l. bni ar 2015 th
» Berdasarkan kisaran tanggal jatuh tempo Based on maturity date
» Tingkat suku bunga tetap tahunan Annual fixed interest rates
» Annual floating interest rates
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI
» SECURITIES PURCHASED bni ar 2015 th
» PREPAID EXPENSES bni ar 2015 th
» EQUITY INVESTMENTS continued Penyertaan jangka panjang lanjutan
» ASET LAIN-LAIN – bni ar 2015 th
» FIXED ASSETS continued bni ar 2015 th
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY
» Simpanan yang diblokir dan dijadikan jaminan
» Deposits blocked and pledged as collateral
» Tingkat suku bunga dan bagi hasil per tahun
» Annual interest rates and profit sharing
» EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» SECURITIES SOLD UNDER AGREEMENTS TO REPURCHASE
» BEBAN YANG MASIH HARUS DIBAYAR ACCRUED EXPENSES
» PENYISIHAN PROVISION bni ar 2015 th
» PROVISION continued bni ar 2015 th
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» Pajak dibayar dimuka PERPAJAKAN TAXATION
» Taxes payable TAXATION continued b. Utang pajak
» Tax expense continued TAXATION continued c. Beban pajak lanjutan
» Aset pajak tangguhan - neto Deferred tax assets - net
» Deferred tax assets - net continued
» Surat ketetapan pajak Tax assessment letters
» Tax collection letter TAXATION continued e. Surat ketetapan pajak lanjutan
» By type SECURITIES ISSUED a. Berdasarkan jenis
» Berdasarkan mata uang c. By currency
» By type and currency continued Pinjaman bilateral lanjutan
» By type and currency continued Pinjaman penerusan lanjutan
» Annual interest rates BORROWINGS continued c. Tingkat suku bunga per tahun
» By product DANA SYIRKAH TEMPORER - GIRO MUDHARABAH TEMPORARY SYIRKAH FUNDS - MUDHARABAH
» Berdasarkan jangka waktu By period
» Berdasarkan sisa umur jatuh tempo By remaining period to maturity
» Mudharabah time TEMPORARY SYIRKAH FUNDS - MUDHARABAH TIME DEPOSITS
» Deposito Mudharabah yang dijadikan jaminan
» Mudharabah deposits that were used as
» SUKUK MUDHARABAH YANG DITERBITKAN MUDHARABAH SUKUK ISSUED
» Berdasarkan jenis, mata uang dan jangka waktu
» By type, currency and period
» PENGGUNAAN LABA NETO APPROPRIATION OF NET INCOME
» APPROPRIATION OF NET INCOME continued
» CADANGAN KHUSUS SPECIFIC RESERVES
» PENDAPATAN BUNGA DAN PENDAPATAN SYARIAH
» INTEREST INCOME AND SHARIA INCOME
» BEBAN BUNGA DAN BEBAN SYARIAH INTEREST EXPENSE AND SHARIA EXPENSE
» BEBAN GAJI DAN TUNJANGAN SALARIES
» BEBAN OPERASIONAL LAINNYA - LAIN-LAIN OTHER OPERATING EXPENSES
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» EMPLOYEE BENEFITS bni ar 2015 th
» EMPLOYEE BENEFITS continued Program pensiun manfaat pasti lanjutan
» EMPLOYEE BENEFITS continued Program pensiun iuran pasti
» EMPLOYEE BENEFITS continued Imbalan pasca kerja lainnya dan imbalan kerja
» LABA PER SAHAM DASAR DAN DILUSIAN DIATRIBUSIKAN KEPADA PEMILIK ENTITAS
» COMMITMENTS AND CONTINGENCIES bni ar 2015 th
» Jenis hubungan Type of relationships
» Type of relationships continued Pihak berelasiRelated parties
» Loans RELATED PARTY TRANSACTIONS continued b. Pinjaman yang diberikan
» Deposits from customers RELATED PARTY TRANSACTIONS continued c. Simpanan nasabah
» Bank guarantees issued RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Simpanan dari bank lain Deposit from other banks
» Gaji dan tunjangan RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» Salaries and benefits RELATED PARTY TRANSACTIONS continued d. Garansi bank yang diterbitkan
» RELATED PARTY TRANSACTIONS continued
» INFORMASI SEGMEN SEGMENT INFORMATION
» SEGMENT INFORMATION continued - Konsumer
» SEGMENT INFORMATION continued bni ar 2015 th
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued bni ar 2015 th
» CREDIT RISK continued bni ar 2015 th
» LIQUIDITY RISK bni ar 2015 th
» LIQUIDITY RISK continued bni ar 2015 th
» MARKET RISK continued bni ar 2015 th
» MARKET RISK continued i Risiko tingkat suku bunga lanjutan
» MARKET RISK continued ii Risiko mata uang lanjutan
» RISIKO OPERASIONAL OPERATIONAL RISK
» OPERATIONAL RISKcontinued bni ar 2015 th
» FAIR VALUE OF FINANCIAL ASSETS AND LIABILITIES
» MANAJEMEN MODAL CAPITAL MANAGEMENT
» CAPITAL MANAGEMENT continued bni ar 2015 th
» AKTIVITAS JASA LAINNYA OTHER ACTIVITIES
» OTHER ACTIVITIES continued Kegiatan Jasa Kustodian lanjutan
» RENCANA BARANG MODAL CAPITAL EXPENDITURE COMMITMENTS
» PROGRAM PENGGANTI bni ar 2015 th
» KREDIT KELOLAAN CHANNELING LOANS
» CHANNELING LOANS continued NILAI TERCATAT INSTRUMEN KEUANGAN THE CARRYING AMOUNT OF FINANCIAL
» EVENT AFTER THE REPORTING PERIOD
Show more