Tingkat suku bunga per tahun - surat-surat
11. PINJAMANPEMBIAYAANPIUTANG YANG
DIBERIKAN lanjutan 11. LOANSFINANCINGRECEIVABLE continued b. Berdasarkan sektor ekonomi lanjutan b. By economic sector continued 2007 2006 Mata uang asing Foreign currencies Perindustrian 8.980.354 7.025.232 Manufacturing Listrik, gas dan air 3.960.001 2.343.043 Electricity, gas and water Pertambangan 3.887.838 1.053.240 Mining Perdagangan, restoran Trading, restaurants and dan hotel 1.936.912 1.163.332 hotels Jasa dunia usaha 1.005.269 684.309 Business services Pertanian 952.299 507.743 Agriculture Konstruksi 632.653 568.683 Construction Pengangkutan, pergudangan Transportation, warehousing dan komunikasi 294.218 241.466 and communications Jasa pelayanan sosial 41.136 45.995 Social services Lain-lain 1.638.767 1.056.019 Others Jumlah mata uang asing 23.329.447 14.689.062 Total foreign currencies Jumlah 88.651.188 66.459.947 Total Penyisihan kerugian 5.436.203 3.846.152 Allowance for losses Bersih 83.214.985 62.613.795 Net c. Berdasarkan kolektibilitas c. By collectibility 2007 2006 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Lancar 74.032.721 951.796 50.434.192 718.632 Current Dalam perhatian khusus 7.053.533 453.123 9.049.496 518.750 Special mention Kurang lancar 1.165.601 338.134 1.195.324 519.384 Substandard Diragukan 725.805 338.245 763.721 595.696 Doubtful Macet 5.673.528 3.354.905 5.017.214 1.493.690 Loss Jumlah 88.651.188 5.436.203 66.459.947 3.846.152 Totald. Pinjaman bermasalah
dan penyisihan penghapusan berdasarkan sektor ekonomi d. Non-performing loans and allowance for losses by economic sector 2007 2006 Pokok Penyisihan Pokok Penyisihan Principal Allowance Principal Allowance Perindustrian 3.657.129 2.268.832 2.859.223 1.155.592 Manufacturing Perdagangan, Trading, restaurants restoran dan hotel 1.745.589 566.444 1.544.229 576.830 and hotels Konstruksi 634.477 405.550 508.418 282.989 Construction Jasa dunia usaha 338.750 170.430 342.715 128.215 Business services Pengangkutan, Transportation, pergudangan dan warehousing and komunikasi 173.780 32.412 476.538 89.248 communications Pertanian 153.393 45.658 361.293 52.284 Agriculture Pertambangan 89.270 25.266 91.134 9.724 Mining Listrik, gas dan air 37.003 36.384 37.763 41.005 Electricity, gas and water Jasa pelayanan sosial 35.866 4.621 15.314 14.856 Social services Lain-lain 699.677 475.687 739.632 258.027 Others Jumlah 7.564.934 4.031.284 6.976.259 2.608.770 TotalParts
» Jumlah, Komposisi, Kriteria dan Independensi Komisaris termasuk Komisaris Independen
» Jumlah, Komposisi, Kriteria dan Independensi anggota Direksi
» Struktur, keanggotaan, keahlian dan independensi Komite Audit Struktur Komite Audit terdiri dari:
» Rapat Komite Audit selama tahun 2007 Realisasi Program Kerja Komite Audit tahun 2007
» I M P L E M E N TAT I O N O F R I S K M A N A G E M E N T
» Kegiatan Penunjang Bisnis bni ar 2007 th
» Permasalahan Hukum Permasalahan hukum adalah masalah hukum perdata dan pidana yang dihadapi BNI
» Buy back saham dan buy back obligasi
» Pendirian Bank Establishment of the Bank
» Pendirian Bank lanjutan Establishment of the Bank continued
» Penawaran Umum Saham Terbatas I Rights Issue I
» Penawaran Umum Saham Terbatas II Rights Issue II
» Rekapitalisasi Recapitalization bni ar 2007 th
» Penawaran Umum Obligasi bni ar 2007 th
» Public Debt Offering bni ar 2007 th
» Penawaran Umum Obligasi lanjutan
» Public Debt Offering continued
» Struktur dan Manajemen Organizational and Management Structure
» Struktur dan Manajemen lanjutan Organizational and Management Structure
» Anak Perusahaan Subsidiaries bni ar 2007 th
» Anak Perusahaan lanjutan Subsidiaries continued
» Dasar penyajian bni ar 2007 th
» Basis of preparation of the consolidated financial statements continued
» Principles of consolidation bni ar 2007 th
» Principles of consolidation continued
» Current accounts with other banks and Bank Indonesia
» Penempatan pada bank lain dan Bank Indonesia
» Placements with other banks and Bank Indonesia
» Wesel ekspor dan tagihan lainnya Bills and other receivables
» Instrumen keuangan derivatif bni ar 2007 th
» Derivative financial instruments bni ar 2007 th
» Pinjamanpembiayaanpiutang yang bni ar 2007 th
» Penyisihan kerugian atas aktiva dan estimasi kerugian atas komitmen dan
» Allowance for losses on assets and estimated losses on commitments and
» Allowance for losses on assets and estimated losses on commitment and
» Tagihan dan kewajiban akseptasi
» Acceptances receivable and payable
» Penyertaan saham Equity investments
» Equity investments continued bni ar 2007 th
» Aktiva tetap dan penyusutan Fixed assets and depreciation
» Fixed assets and depreciation continued
» Agunan yang diambil alih Foreclosed collaterals
» Financing Receivables bni ar 2007 th
» Kewajiban Segera Liabilities Immediately Payable
» Kewajiban Manfaat Polis Masa Depan
» Future Policy Benefit Obligation
» Simpanan nasabah Deposits from customers
» Deposits from customers continued
» Marketable securities issued bni ar 2007 th
» Pendapatan dan beban bunga Interest income and expense
» Perpajakan Taxation bni ar 2007 th
» Imbalan kerja dan dana pensiun Employee benefits and pension plan
» Employee benefits and pension plan continued
» Pendapatan Premi Asuransi dan Beban Underwriting Asuransi
» Insurance Premium Income and Insurance Underwriting Expense
» Berdasarkan mata uang By currency
» By related party and third party
» Berdasarkan kolektibilitas By collectibility
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Berdasarkan transaksi dengan pihak yang mempunyai hubungan istimewa dan pihak
» Annual interest rates bni ar 2007 th
» Berdasarkan jenis dan mata uang - surat- surat berharga
» By type and currency - marketable securities
» Berdasarkan jenis dan mata uang - surat- surat berharga lanjutan
» By related party and third party - marketable securities
» Berdasarkan penerbit bni ar 2007 th
» Berdasarkan peringkat bni ar 2007 th
» Berdasarkan kolektibilitas - surat-surat berharga
» By collectibility - marketable securities
» Tingkat suku bunga per tahun - surat-surat
» Surat-surat berharga yang dibeli dengan janji dijual kembali
» Securities purchased under agreement to resell
» Berdasarkan kolektibilitas By collectibility Annual interest rates:
» Berdasarkan jenis, mata uang dan transaksi dengan pihak yang mempunyai hubungan
» By type, currency and transactions with related parties and third parties
» By type, currency and transactions with related parties and third parties continued
» Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued
» Pinjaman bermasalah bni ar 2007 th
» Non-performing loans and allowance for losses by economic sector continued
» Tingkat suku bunga dan bagi hasil per tahun:
» Annual interest and profit sharing rates
» Pinjaman yang direstrukturisasi bni ar 2007 th
» Restructured loans bni ar 2007 th
» Pinjaman yang direstrukturisasi lanjutan
» Restructured loans continued bni ar 2007 th
» Kredit sindikasi Syndicated loans
» Pinjaman yang dibeli dari BPPN Loans purchased from IBRA
» Penyisihan kerugian Allowance for losses Fasilitas pembiayaan dengan perusahaan pembiayaan
» Financing arrangements with multi-finance companies
» Fasilitas pembiayaan dengan perusahaan pembiayaan lanjutan
» Financing arrangements with multi-finance companies continued
» Other significant information relating to
» Penyertaan modal sementara Temporary equity participation
» Penyertaan modal sementara lanjutan Temporary equity participation continued
» Penyertaan jangka panjang Long-term equity investments
» Penyertaan jangka panjang lanjutan Long-term equity investments continued
» Tabungan berdasarkan jenis Savings accounts by type
» Simpanan yang diblokir dan dijadikan jaminan atas pinjaman yang diberikan
» Deposits blocked and pledged as loan collateral
» By type continued bni ar 2007 th
» Tingkat suku bunga per tahun Annual interest rates
» Pinjaman luar negeri dan lain-lain Annual interest rates
» Hutang pajak lebih bayar pajak Taxes payable overpayment of tax
» Pajak penghasilan Income tax benefit expense
» Pajak penghasilan lanjutan Income tax benefit expense continued
» Rekonsiliasi tarif pajak Tax rate reconciliation
» Aktiva kewajiban pajak tangguhan Deferred taxes assets liability
» Surat Ketetapan Pajak Tax assessment letter
» Surat Ketetapan Pajak lanjutan Tax assessment letter continued
» Value Added Tax VAT on Murabahah
» Administrasi Administration bni ar 2007 th
» Pinjaman subordinasi tahun 2003 - USD100 juta
» The 2003 subordinated debt - USD100 million
» Pinjaman subordinasi tahun 2003 - USD100 juta lanjutan
» The 2003 subordinated debt - USD100 million continued
» Pinjaman subordinasi tahun 2002 - USD150 juta
» The 2002 subordinated debt - USD150 million
» Pinjaman yang diberikan Loans
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