KREDIT YANG DIBERIKAN LOANS
PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2015 and for the Year Then Ended
Expressed in millions of Rupiah, unless otherwise stated
89
18. SIMPANAN DARI NASABAH lanjutan 18. DEPOSITS FROM CUSTOMERS continued
Saldo deposito berjangka berdasarkan periodenya: The amount of time deposits based on period:
31 DesemberDecember 31, 2015 31 DesemberDecember 31, 2014
Valuta asing Valuta asing
Foreign Foreign
Rupiah currencies
Total Rupiah
currencies Total
≤ 1 bulan 3.714.421
3.673.816 7.388.237
4.353.664 2.174.433
6.528.097 ≤ 1 month
1 - 3 bulan 4.821.729
1.022.679 5.844.408
3.453.641 160.406
3.614.047 1 - 3 months
3 - 6 bulan 794.639
143.550 938.189
738.235 92.492
830.727 3 - 6 months
6 - 12 bulan 61.944
4.221 66.164
55.585 2.502
58.087 6 - 12 months
On call 1.665.847
595.312 2.261.159
988.351 996.439
1.984.790 On call
Total 11.058.580
5.439.578 16.498.157
9.589.476 3.426.272
13.015.748 Total
Informasi mengenai jatuh tempo simpanan dari nasabah diungkapkan pada Catatan 3d. Informasi
mengenai klasifikasi dan nilai wajar simpanan dari nasabah diungkapkan pada Catatan 32. Simpanan
dari pihak berelasi diungkapkan pada Catatan 34. Information in respect of maturities of deposits
from customers is disclosed in Note 3d. Information regarding the classification and fair
value of deposits from customers is disclosed in Note 32. Deposits from related parties are
disclosed in Note 34.
19. SIMPANAN DARI BANK-BANK LAIN 19. DEPOSITS FROM OTHER BANKS
31 DesemberDecember 31 2015
2014
Rupiah Rupiah
Pihak berelasi Related party
Giro 616
618 Demand deposits
Pihak ketiga Third parties
Giro 3.640
2.962 Demand deposits
Deposit on call -
2.000 Deposit on call
Deposito berjangka 1.500
- Time deposits
Interbank call money 375.000
- Interbank call money
380.756 5.580
Valuta asing Foreign currency
Pihak berelasi Related party
Interbank call money 2.688.075
1.857.750 Interbank call money
Pihak ketiga Third parties
Interbank call money 110.280
- Interbank call money
Total 3.179.111
1.863.330 Total
Saldo deposito berjangka, deposit on call dan interbank call money berdasarkan periodenya:
The amounts of time deposits, deposit on call and interbank call money based on its period:
31 DesemberDecember 31 2015
2014
≤ 1 bulan 3.172.805
2.000 ≤ 1 month
1 - 3 bulan 2.051.400
1.857.750 1 - 3 months
Total 3.174.855
1.859.750 Total
Pada tanggal-tanggal 31 Desember 2015 dan 2014, tidak ada simpanan dari bank-bank lain yang
dijadikan jaminan. As of December 31, 2015 and 2014, there were
no deposits from other banks pledged as collateral.
Informasi mengenai jatuh tempo simpanan dari bank-bank lain diungkapkan pada Catatan 3d.
Informasi mengenai klasifikasi dan nilai wajar simpanan dari bank-bank lain diungkapkan pada
Catatan 32. Simpanan dari pihak berelasi diungkapkan pada Catatan 34.
Information in respect of maturities of deposits from other banks is disclosed in Note 3d.
Information regarding the classification and fair value of deposits from other banks is disclosed in
Note 32. Deposits from related parties are disclosed in Note 34.
PT BANK QNB INDONESIA TBK CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain
PT BANK QNB INDONESIA TBK NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2015 and for the Year Then Ended
Expressed in millions of Rupiah, unless otherwise stated
90
20. PAJAK PENGHASILAN 20. INCOME TAX
a. Utang pajak penghasilan terdiri dari: a. Income tax payable consisted of:
31 DesemberDecember 31 2015
2014 2013
PPh pasal 29 2.401
20.402 -
Income tax Article 29
b. Beban pajak penghasilan terdiri dari: b. The components of income tax expense are
as follows:
Tahun yang berakhir pada tanggal 31 DesemberYears ended December 31
2015 2014
2013
Pajak kini 18.635
20.588 -
Current tax Pajak tangguhan
34.254 20.715
2.140 Deferred tax
Total 52.889
41.303 2.140
Total
c. Berdasarkan Undang-Undang perpajakan di Indonesia,
Bank menghitung
dan melaporkanmenyetorkan pajak berdasarkan
sistem self-assesment.
Fiskus dapat
menetapkanmengubah pajak-pajak tersebut dalam jangka waktu tertentu sesuai peraturan
yang berlaku. c. Under the Indonesian taxation laws, the Bank
submits tax returns on a self-assessment basis. The tax authorities may assessamend
taxes within the statute of limitations under prevailing regulations.
d. Rekonsiliasi antara laba sebelum beban pajak penghasilan yang disajikan dalam laporan laba
rugi dan penghasilan komprehensif dengan laba kena pajak untuk tahun yang berakhir pada
tanggal-tanggal 31 Desember 2015, 2014 dan 2013 adalah sebagai berikut :
d. The reconciliation between income before income tax expense as presented in the
statement profit
or loss
and other
comprehensive income and taxable income for the years ended December 31, 2015,
2014 and 2013 are as follows:
2015 2014
2013 Laba sebelum beban
Income before Pajak penghasilan
208.935 162.828
6.726 income tax expense
Beda temporer: Temporary differences:
Imbalan pasca-kerja 20.805
13.745 8.592
Post-employment benefits Bonus dan tunjangan yang masih
harus dibayar 7.093
11.462 7.090
Accrued bonus and allowances Penyusutan aset tetap
483 589
1.301 Depreciation of fixed assets
Pendapatan bunga yang ditangguhkan Deferred interest income and
dan biaya transaksi -
- 11.363
transaction costs Cadangan kerugian penurunan
Allowance for impairment Nilai kredit
169.368 70.477
49.771 losses on loans
Lain-lain 4.936
1.773 1.783
Others
137.017 46.454
44.970 Beda permanen:
Permanent differences: Bentuk natura dan kenikmatan
1.722 1.606
1.306 Benefits in kind
Pajak penghasilan dan denda -
- 289
Income tax and penalties Beban promosi lainnya
777 714
136 Other promotion expenses
Lain-lain 123
66 103
Others 2.622
2.386 1.834
Taksiran laba rugi fiskal 74.540
118.760 36.410
Estimated tax income loss Kompensasi rugi fiskal
Tax losses carried forward tahun sebelumnya 2013
- 36.410
- from prior year 2013
Laba rugi kena pajak 74.540
82.350 36.410
Taxable income loss Beban pajak penghasilan badan
18.635 20.588
- Current income tax expense
Dikurangi : pajak penghasilan dibayar dimuka
16.234 186
- Less : prepayment of income tax
Liabilitas pajak kini 2.401
20.402 -
Current tax liability