SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
22. ACCRUED INTEREST PAYABLES
Rincian bunga masih harus dibayar adalah sebagai berikut: The details of accrued interest payables are as follows: 2016 2015 Jumlah nosional mata uang asing angka penuh Notional amount of foreign currency full amount Ekuivalen Rupiah Equivalent Rupiah Jumlah nosional mata uang asing angka penuh Notional amount of foreign currency full amount Ekuivalen Rupiah Equivalent Rupiah Rupiah Rupiah Simpanan nasabah Deposits from customers Bunga deposito berjangka 50.953 62.830 Interest on time deposits Bunga jasa giro - 5.363 Interest on demand deposits Bunga tabungan - 2.919 Interest on savings deposits Simpanan dari bank lain Deposits from other banks Bunga deposito berjangka 61 58 Interest on time deposits Sub jumlah 51.014 71.170 Sub total Mata Uang Asing Foreign Currencies Simpanan nasabah Deposits from customers Bunga deposito berjangka USD 94.113 1.268 USD 141.629 1.952 Interest on time deposits SGD 34.044 317 SGD 57.552 562 1.585 2.514 Bunga jasa giro USD - - USD 13.548 179 Interest on demand deposits SGD - - SGD 381 4 - 183 Sub jumlah 1.585 2.697 Sub total Jumlah 52.599 73.867 Total PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2016 dan Untuk Tahun yang Berakhir pada Tanggal Tersebut Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2016 and For The Year Then Ended Expressed in millions of Rupiah, unless otherwise stated - 139 - 23. BEBAN AKRUAL DAN LIABILITAS LAIN- LAIN 23. ACCRUED EXPENSES AND OTHER LIABILITIES Rincian beban akrual dan liabilitas lain-lain adalah sebagai berikut: The details of accrued expenses and other liabilities are as follows: 2016 2015 Pihak ketiga Third parties Rupiah Rupiah Operasional 9.136 6.548 Operational Pendapatan diterima di muka 6.483 4.481 Unearned revenues Setoran jaminan 6.247 5.464 Guarantee deposits Gaji dan tunjangan 2.300 1.697 Salaries and allowances Lain-lain 3.231 2.060 Others Sub jumlah 27.397 20.250 Sub total Mata Uang Asing Foreign Currencies Setoran jaminan 2.007 937 Guarantee deposits Pendapatan diterima di muka 26 838 Unearned revenues Lain-lain 72 86 Others Sub jumlah 2.105 1.861 Sub total Jumlah 29.502 22.111 Total Setoran jaminan terutama merupakan setoran jaminan dari debitur untuk penyelesaian kredit. Guarantee deposits mainly represent deposit from debtor to settle the loan. Beban akrual operasional terutama terdiri dari beban akrual listrik, telepon, air, sewa, pemeliharaan, keamanan dan operasional lainnya. Operational accrued expenses represent accrued expenses of electricity, telephone, water, rent, maintenance, security and other operationals. 24. LIABILITAS IMBALAN PASCA KERJA 24. POST-EMPLOYMENT BENEFITS LIABILITY Bank memberikan imbalan pasca kerja kepada karyawan tetap yang telah mencapai usia pensiun normal pada umur 55 tahun sesuai dengan Undang- Undang Ketenagakerjaan No. 132003 tanggal 25 Maret 2003 dan mengakui liabilitas imbalan pasca kerja sesuai dengan PSAK 24 Revisi 2013, “Imbalan Kerja”. Imbalan pasca kerja tersebut tidak didanai. Jumlah karyawan Bank yang berhak atas imbalan pasca kerja tersebut pada tanggal 31 Desember 2016 dan 2015 masing-masing sejumlah 2.433 dan 2.240 karyawan. The Bank provides post-employment benefits to permanent employees who have reached normal retirement age of 55 years in accordance with the Labor Law No. 132003 dated March 25, 2003 and recognizes post-employment benefit obligations in accordance with PSAK 24 Revised 2013, “Employee Benefits”. Post-employment benefits are unfunded. The number of employees of the Bank that entitled to post-employment benefits on the date as of December 31, 2016 and 2015 number of 2,433 and 2,240 employees, respectively.Parts
» :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» Memberikan pelayanan prima pada masyarakat menjadi salah satu kunci sukses kami.
» Memberikan solusi keuangan yang komprehensif dan inovatif sesuai kebutuhan pasar.
» To provide excellent service is one of our key success factors.
» To provide comprehensive and innovative inancial solutions based on market needs.
» Menciptakan manfaat yang optimal bagi stakeholders.
» Menjadi good corporate citizen yang peduli terhadap
» To create optimum beneits for stakeholders.
» pT SUMBEr To be good corporate citizen that cares for its people and environment.
» pT KarYa To be good corporate citizen that cares for its people and environment.
» pT pUSpITa To be good corporate citizen that cares for its people and environment.
» 0.43 To be good corporate citizen that cares for its people and environment.
» 0.41 To be good corporate citizen that cares for its people and environment.
» Baik To be good corporate citizen that cares for its people and environment.
» tingkat risiko yang akan diambil risk appetite dan
» pengawasan aktif Direksi dan Dewan Komisaris.
» Kecukupan kebijakan dan prosedur Manajemen risiko serta penetapan limit risiko.
» active Supervision of Board of Commissioners and Board of Directors.
» The adequacy of risk Management policies, procedures and limits
» Adequacy process of identiication, measurement, monitoring and control of risk management
» Sistem pengendalian internal yang menyeluruh.
» overall internal control system
» active supervision of Board of Directors and Board of Commissioners
» pengendalian Internal Satuan Kerja Audit Intern SKAI telah melakukan
» Sistem Informasi Manajemen pengembangan sistem informasi yang dapat
» Sumber Daya Manusia dan pelatihan Dalam peningkatan kualitas sumber daya manusia,
» Establishment and General Information of the Bank
» Pendirian dan Informasi Umum Bank lanjutan
» Establishment and General Information of the Bank continued
» Penawaran Umum Saham Bank Public Offering of the Bank’s Shares
» Penawaran Umum Saham Bank lanjutan Public Offering of the Bank’s Shares
» Susunan Pengurus Bank dan Karyawan Composition of the Bank’s Management and
» Susunan Pengurus Bank dan Karyawan lanjutan
» Composition of the Bank’s Management and Employees continued
» Completion of the Financial Statements
» a. Pernyataan UMUM lanjutan 2. GENERAL continued
» Statement of Compliance and Basis of Financial Statements Preparation
» Statement of Compliance and Basis of Financial
» Changes to Statements of Financial Accounting Standards “PSAK” and
» Transaksi dan Saldo dalam Mata Uang Asing Transactions and Balances in Foreign
» Aset dan Liabilitas Keuangan Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Kas dan Setara Kas Cash and Cash Equivalents
» Giro pada Bank Indonesia dan Bank Lain Current Accounts with Bank Indonesia and
» Efek-efek Marketable Securities UMUM lanjutan 2. GENERAL continued
» Marketable Securities continued UMUM lanjutan 2. GENERAL continued
» Derivative Financial Instruments UMUM lanjutan 2. GENERAL continued
» Loans UMUM lanjutan 2. GENERAL continued
» Loans continued UMUM lanjutan 2. GENERAL continued
» Penyertaan Saham Investments in Shares of Stock
» Acceptance Receivables and Payables
» Fixed Assets continued UMUM lanjutan 2. GENERAL continued
» Aset Takberwujud Intangible Asset
» Intangible Asset continued UMUM lanjutan 2. GENERAL continued
» Prepaid Expenses and Other Assets
» Agunan yang Diambil Alih Foreclosed Assets
» Foreclosed Assets continued UMUM lanjutan 2. GENERAL continued
» Liabilitas Segera Obligations Due Immediately
» Simpanan Nasabah Deposits from Customers
» Pinjaman Subordinasi Subordinated Loan
» Interest Income and Expenses
» Interest Income and Expenses continued
» Pendapatan dan Beban Provisi dan Komisi Fees and Commissions Income and Expense
» Other Operating Income and Expenses
» Perpajakan Taxation UMUM lanjutan 2. GENERAL continued
» Taxation continued UMUM lanjutan 2. GENERAL continued
» Laba per Saham Earnings per Share
» CASH :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» CURRENT ACCOUNTS WITH OTHER BANKS
» GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» EFEK-EFEK EFEK-EFEK MARKETABLE SECURITIES
» EFEK-EFEK lanjutan MARKETABLE SECURITIES continued
» TAGIHAN DAN LIABILITAS DERIVATIF DERIVATIVE
» PENDAPATAN BUNGA YANG MASIH AKAN DITERIMA
» BIAYA DIBAYAR DI MUKA PREPAID EXPENSES KREDIT YANG DIBERIKAN LOANS
» KREDIT YANG DIBERIKAN lanjutan LOANS continued
» PENYERTAAN SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN SAHAM lanjutan INVESTMENT IN SHARES OF STOCK
» ASET TETAP lanjutan FIXED ASSETS continued
» ASET TETAP lanjutan FIXED ASSETS continued ASET TAKBERWUJUD INTANGIBLE ASSET
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS
» Prepaid Taxes TAXATION a. Pajak Dibayar di Muka
» Pajak Penghasilan Income Tax
» Pajak Penghasilan lanjutan Income Tax continued
» Pajak Penghasilan lanjutan Income Tax lanjutan
» Beban Imbalan Pasca Kerja Post-Employment Benefits Expense
» Liabilitas Imbalan Pasca Kerja Post-Employment Benefits Liability
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOAN continued
» SHARE CAPITAL :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» TAMBAHAN MODAL DISETOR - NETO ADDITIONAL PAID-IN CAPITAL - NET
» PENDAPATAN BUNGA INTEREST INCOME
» PENDAPATAN BUNGA lanjutan INTEREST INCOME continued
» BEBAN BUNGA INTEREST EXPENSES
» BEBAN OPERASI OPERATIONAL EXPENSES
» GENERAL AND :: Bank Artha Graha Internasional :: Laporan Tahunan Bank Artha Graha Internasional
» BEBAN NON-OPERASIONAL - NETO NON-OPERATING EXPENSES - NET
» TRANSAKSI DAN SALDO DENGAN PIHAK- PIHAK BERELASI
» TRANSACTIONS AND BALANCES WITH RELATED PARTIES
» POSISI DEVISA NETO NET OPEN POSITION
» POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
» OPERATING SEGMENT INFORMATION Segmen Operasi
» INFORMASI SEGMEN USAHA lanjutan OPERATING SEGMENT INFORMATION
» RISK MANAGEMENT I. Kerangka Manajemen Risiko
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued
» Risiko Kredit lanjutan Credit Risk continued Risiko Pasar Market Risk
» Risiko Pasar lanjutan Market Risk continued
» Risiko Likuiditas Liquidity Risk
» Risiko Likuiditas lanjutan Liquidity Risk continued
» Risiko Operasional Operational Risk
» Risiko Operasional lanjutan Operational Risk continued
» Risiko Reputasi Reputation Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Hukum lanjutan Legal Risk continued
» Risiko Kepatuhan Compliance Risk
» Risiko Kepatuhan lanjutan Compliance Risk continued
» Risiko Stratejik Strategic Risk
» Risiko Stratejik lanjutan Strategic Risk continued
» Marketable securities Loans NILAI WAJAR INSTRUMEN KEUANGAN FAIR
Show more