Berdasarkan jangka waktu perjanjian kredit By term of credit agreements
f. Ikhtisar
kredit non-performing berdasarkan sektor ekonomi f. Non-performing loans by economic sector 30 Juni 2013 31 Desember 2012 June 30, 2013 December 31, 2012 Cadangan Cadangan kerugian kerugian Kredit penurunan Kredit penurunan non-performing nilai non-performing nilai Non - Allowance Non - Allowance performing for impairment performing for impairment loans losses loans losses Rupiah Rupiah Perdagangan 408.151 270.668 226.863 131.829 Trading Jasa dunia usaha 112.932 76.525 126.641 81.357 Business services Industri 111.058 98.323 121.346 114.466 Industry Pertambangan 7.654 7.141 77.350 77.237 Mining Konstruksi 81.010 76.367 59.579 56.377 Construction Pertanian 104.266 88.094 32.102 24.795 Agriculture Jasa-jasa sosial 20.151 11.255 10.086 7.527 Social services Pengangkutan dan Transportation and pergudangan 2.364 1.681 1.261 1.122 warehousing Listrik. gas dan air 40 7 2 2 Electricity. gas and water Lain-lain 118.643 84.608 77.201 62.303 Others Total 966.269 714.669 732.431 557.015 Total Rasio kredit non-performing - kotor terhadap total kredit entitas induk adalah 2,31 dan 2,07 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans - gross to total loan ratios parent only are 2.31 and 2.07 as of June 30, 2013 and December 31, 2012 respectively. Rasio kredit non-performing - bersih terhadap total kredit entitas induk adalah 0,60 dan 0,50 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans - net to total loan ratios parent only are 0.60 and 0.50 as of June 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - kotor terhadap total kredit dan pembiayaan syariah konsolidasi adalah 2,43 dan 2,22 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans and sharia financing - gross to total loan and sharia financing consolidated are 2.43 and 2.22 as of June 30, 2013 and December 31, 2012, respectively. Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total kredit dan pembiayaan syariah konsolidasi adalah 0,62 dan 0,62 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans and sharia financing ratio - net to total loan and sharia financing consolidated are 0.62 and 0.62 as of June 30, 2013 and December 31, 2012, respectively. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN UNAUDITED 30 Juni 2013 dan 31 Desember 2012 Serta periode yang berakhir pada tanggal 30 Juni 2013 dan 2012 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS UN-AUDITED June 30, 2013 and December 31, 2012 And for the period ended June 30, 2012 and 2013 Expressed in millions of rupiah, unless otherwise stated 9511. KREDIT YANG DIBERIKAN lanjutan f. Ikhtisar
kredit non-performing berdasarkan sektor ekonomi lanjutan 11. LOANS continuedf. Non-performing loans by economic sector continued
Rasio kredit dan pembiayaan syariah non- performing - bersih terhadap total aset keuangan konsolidasi adalah 1,03 dan 0,34 masing-masing untuk 30 Juni 2013 dan 31 Desember 2012. Non-performing loans and sharia financing ratio - net to total financial assets consolidated are 1.03 and 0.34 as of June 30, 2013 and December 31, 2012, respectively. Pada tanggal 30 Juni 2013 dan 31 Desember 2012, rasio jumlah cadangan kerugian penurunan nilai aset keuangan yang telah dibentuk berdasarkan PSAK No. 55 Revisi 2011 terhadap jumlah minimum cadangan kerugian penurunan nilai aset keuangan sesuai ketentuan Bank Indonesia masing-masing sebesar 64,13 dan 52,01. As of June 30, 2013 and December 31, 2012, the ratio of allowance for impairment losses on financial assets based on PSAK No. 55 Revised 2011 to minimum allowance for impairment losses based on Bank Indonesia regulation is 64.13 and 52.01, respectively. g. Kredit yang direstrukturisasi g. Restructured loans Kredit yang direstrukturisasi pada tanggal- tanggal 30 Juni 2013 dan 31 Desember 2012 masing-masing sebesar Rp181.148 dan Rp208.630. Rincian kredit yang direstrukturisasi adalah sebagai berikut: Restructured loans as of June 30, 2013 and December 31, 2012 amounted to Rp181,148 and Rp208,630, respectively. Details of the restructured loans are as follows: 30 Juni 2013 31 Desember 2012 June 30, 2013 December 31, 2012 Perpanjangan jangka waktu Extension of loan period dan penurunan bunga 169.049 171.630 and interest rate reduction Perpanjangan jangka waktu kredit 11.547 35.929 Extension of loan period Tambahan fasilitas 540 978 Additional loan commitments Perpanjangan jangka waktu Extension of loan period dan skema lain 12 93 and other schemes Total 181.148 208.630 Total Kredit yang direstrukturisasi berdasarkan kolektibilitas dan sektor ekonomi: Restructured loans by collectibility and economic sector: 30 Juni 2013 June 30, 2013 Dalam perhatian khusus Kurang Lancar Special lancar Diragukan Macet Current mention Substandard Doutbful Loss Total Konstruksi - 95.369 - - - 95.369 Construction Industri - - - - 58.812 58.812 Industry Jasa-jasa dunia usaha - - - - - - Business service Perdagangan 863 38 - - - 901 Trading Pertambangan 5.329 - - - - 5.329 Mining Listrik, gas dan air 4.657 - - - - 4.657 Electricity, gas and water Lain-lain 5.096 189 - 10.703 92 16.110 Other Total 15.945 95.596 - 10.703 58.904 181.148 TotalParts
» Bank Jabar dan Banten Bilingual 31 Juni 2013
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» 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 Prinsip konsolidasi Principles of consolidation
» 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
» Placements with Bank Indonesia and other 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 Derivative financial instruments
» Instrumen keuangan derivatif lanjutan Derivative Kredit yang diberikan Loans
» 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
» Penyertaan saham lanjutan Investments in shares continued Aset tetap Fixed assets
» Aset tetap lanjutan Fixed assets continued
» 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
» Pendapatan dan beban bunga lanjutan Interest income and expense continued
» Pendapatan provisi SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» 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
» Average interest rate per annum
» Perubahan cadangan kerugian penurunan nilai
» Movements in GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Berdasarkan kolektibilitas GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» By collectibility GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Transaksi dengan pihak tertentu Transaction with certain parties
» Berdasarkan jenis PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By type and counterparty bank continued
» Tingkat suku bunga rata-rata per tahun Average interest rate per annum
» Perubahan cadangan kerugian penurunan
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued
» Berdasarkan jatuh tempo By maturity
» Berdasarkan efek pemerintah dan bukan pemerintah
» By government SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Movements SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan
» MARKETABLE SECURITIES Bank Jabar dan Banten Bilingual 31 Juni 2013
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan kolektibilitas By collectibility
» 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, 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
» Non-performing loans by economic sector continued Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» 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 PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» Movements PEMBIAYAAN SYARIAH lanjutan SHARIA FINANCING continued
» 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
» Berdasarkan jenis lanjutan By type continued
» Perubahan cadangan kerugian penurunan nilai properti terbengkalai
» Movements in ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» By type and currency Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currencycontinued
» Simpanan nasabah lanjutan Deposits from customers continued
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» Berdasarkan jenis dan mata uang By type and currency
» 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
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE LIABILITAS LAIN-LAIN
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL
» OTHER PAID-UP CAPITAL Bank Jabar dan Banten Bilingual 31 Juni 2013
» 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 Bank Jabar dan Banten Bilingual 31 Juni 2013
» 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
» 5,87 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
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» CAPITAL MANAGEMENT Bank Jabar dan Banten Bilingual 31 Juni 2013
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks Risiko kepatuhan Compliance risks
» JAMINAN PEMERINTAH Bank Jabar dan Banten Bilingual 31 Juni 2013
» 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”
» 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-
» Cooperation Agreement SIGNIFICANT AGREEMENTS continued d. Memorandum of Understanding MoU and
» SIGNIFICANT AGREEMENTS continued d. Memorandum of Understanding MoU
» Nota Kesepahaman MoU dan Perjanjian Kerjasama dengan beberapa perusahaan
» Perjanjian kerjasama jasa full outsource system teknologi informasi core banking
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