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Assuring the Move Into Next Level 468 Business Development Report Management Reports Company Information Information For Investors Operational Review PT SEMEN INDONESIA PERSERO Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013 Expressed in thousands of Rupiah, unless otherwise stated Continued - 54 - 2014 2013 Dolar Singapura: Singapore Dollars: Pihak berelasi: Related parties: PT Bank Mandiri Persero Tbk 122.899 196.531 PT Bank Mandiri Persero Tbk Dong Vietnam: Vietnamese Dong: Pihak ketiga: Third parties: Bank for Investment and Bank for Investment and Development of Vietnam 5.279.027 2.811.131 Development of Vietnam Standard Chartered Bank 4.428.139 - Standard Chartered Bank Vietnam Bank for Agriculture Vietnam Bank for Agriculture and Rural Development 1.882.041 3.843.498 and Rural Development Vietnam Prosperity Joint Stock Vietnam Prosperity Joint Stock Commercial Bank 1.293.558 1.873.816 Commercial Bank An Binh Bank 802.866 1.165.843 An Binh Bank Military Commercial Joint Stock Military Commercial Joint Stock Bank 356.266 195.798 Bank Saigon Thuong Tin Commercial Saigon Thuong Tin Commercial Joint Stock Bank 294.500 865.056 Joint Stock Bank Á Châu - VND 157.163 - Á Châu - VND Viet Capital Bank 102.296 33.326 Viet Capital Bank Orient Commercial Joint Stock Orient Commercial Joint Stock Bank 94.718 33.472 Bank Tien Phong Bank 85.405 415.014 Tien Phong Bank Vietnam Joint Stock Commercial Vietnam Joint Stock Commercial Bank for Industry and Trade 80.543 600.266 Bank for Industry and Trade HSBC 71.523 351.671 HSBC Technological and Commercial Technological and Commercial Joint Stock Bank 34.060 - Joint Stock Bank JSC Bank for Foreign Trade JSC Bank for Foreign Trade of Vietnam 25.692 - of Vietnam Vietnam Maritime Commercial Vietnam Maritime Commercial Joint Stock Bank 15.243 270.134 Joint Stock Bank Global Petro Commercial Joint Global Petro Commercial Joint Stock Bank 15.127 14.901 Stock Bank Bank for Investment and Bank for Investment and Development of Cambodia Plc 12.220 12.952 Development of Cambodia Plc United Overseas Bank 10.186 10.023 United Overseas Bank Vietnam Development Bank 6.190 - Vietnam Development Bank Ministery bank 2.873 - Ministery bank Ho Chi Minh City Development Ho Chi Minh City Development Joint-Stock Commercial Bank 2.126 - Joint-Stock Commercial Bank Lien Viet Joint Stock Commercial Lien Viet Joint Stock Commercial Bank 1.021 27.214 Bank Asia Commercial Bank - 873.747 Asia Commercial Bank Bank for Foreign Trade of Bank for Foreign Trade of Vietnam Joint Stock Bank - 349.561 Vietnam Joint Stock Bank Vietnam Technological and Vietnam Technological and Commercial Bank - 33.681 Commercial Bank Lain-lain - 233.043 Others Jumlah 15.052.783 14.014.147 Total Jumlah 462.086.824 353.061.281 Total Assuring the Move Into Next Level 469 Corporate Governance Implementation Report Corporate Social Responsibility Report Corporate Data Management Discussion and Analysis Financial Statements PT SEMEN INDONESIA PERSERO Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013 Expressed in thousands of Rupiah, unless otherwise stated Continued - 55 - c. Deposito berjangka dan call deposits c. Time and call deposits 2014 2013 Rupiah: Rupiah: Pihak ketiga: Third parties: PT Bank CIMB Niaga Tbk 431.050.000 222.550.000 PT Bank CIMB Niaga Tbk PT Bank Mega Tbk 186.000.000 74.500.000 PT Bank Mega Tbk PT Bank Muamalat Tbk 176.500.000 115.402.168 PT Bank Muamalat Tbk PT Bank Permata Tbk 153.000.000 141.000.000 PT Bank Permata Tbk PT Bank Tabungan Pensiunan PT Bank Tabungan Pensiunan Nasional Tbk 148.000.000 261.000.000 Nasional Tbk PT Bank Daerah Khusus Ibukota 111.000.000 - PT Bank Daerah Khusus Ibukota PT Bank Internasional PT Bank Internasional Indonesia Tbk 110.000.000 173.000.000 Indonesia Tbk PT Bank Nagari 110.000.000 145.000.000 PT Bank Nagari PT BPD Jatim Tbk 50.000.000 - PT BPD Jatim Tbk PT Bank Danamon Indonesia Tbk 40.000.000 129.000.000 PT Bank Danamon Indonesia Tbk PT Bank Himpunan PT Bank Himpunan Saudara 1906 Tbk 19.000.000 43.000.000 Saudara 1906 Tbk PT Bank Sulselbar 7.000.000 7.000.000 PT Bank Sulselbar PT Bank Central Asia Tbk 5.000.000 3.000.000 PT Bank Central Asia Tbk PT Bank UOB Indonesia - 20.000.000 PT Bank UOB Indonesia PT Bank Syariah Mega Indonesia - 1.000.000 PT Bank Syariah Mega Indonesia PT Bank Panin Syariah - 1.000.000 PT Bank Panin Syariah Jumlah 1.546.550.000 1.336.452.168 Total Pihak berelasi: Related parties: PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 1.167.149.999 634.500.000 Persero Tbk PT Bank Mandiri Persero Tbk 531.200.000 491.650.000 PT Bank Mandiri Persero Tbk PT Bank Negara Indonesia PT Bank Negara Indonesia Persero Tbk 419.148.422 577.986.964 Persero Tbk PT Bank Tabungan Negara PT Bank Tabungan Negara Persero Tbk 365.000.000 178.000.000 Persero Tbk PT Bank Bukopin Tbk 241.000.000 373.800.000 PT Bank Bukopin Tbk PT Bank Syariah BRI 20.000.000 67.000.000 PT Bank Syariah BRI PT Bank Syariah Mandiri 10.000.000 62.000.000 PT Bank Syariah Mandiri Jumlah 2.753.498.421 2.384.936.964 Total Jumlah 4.300.048.421 3.721.389.132 Total Dolar Amerika Serikat: United States Dollars: Pihak ketiga: Third parties: PT Bank Internasional PT Bank Internasional Indonesia Tbk 37.320.000 - Indonesia Tbk HSBC - 46.379.331 HSBC Jumlah 37.320.000 46.379.331 Total Euro: Euro: Pihak berelasi: Related parties: PT Bank Rakyat Indonesia PT Bank Rakyat Indonesia Persero Tbk 105.932.890 - Persero Tbk 105.932.890 - Dong Vietnam: Vietnamese Dong: Pihak ketiga: Third parties: Vietnam Prosperity Joint-Stock Vietnam Prosperity Joint-Stock Commercial Bank VP - VND 21.200.937 - Commercial Bank VP - VND Standard Chartered Bank - VND 10.063.418 - Standard Chartered Bank - VND Jumlah 31.264.355 - Total Jumlah 4.474.565.666 3.767.768.463 Total Assuring the Move Into Next Level 470 Business Development Report Management Reports Company Information Information For Investors Operational Review PT SEMEN INDONESIA PERSERO Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013 Expressed in thousands of Rupiah, unless otherwise stated Continued - 56 - Suku bunga tahunan atas deposito berjangka dan call deposits adalah sebagai berikut: Annual interest rates on time and call deposits are as follows: 2014 2013 Rupiah 4,00 - 11,00 5,25 - 11,50 Rupiah Dolar Amerika Serikat 1,00 - 2,95 0,40 - 3,75 United States Dollars Euro 1,50 - Euro Rincian transaksi dan saldo dengan pihak berelasi diungkapkan dalam Catatan 42. Details of related party transactions and balances are disclosed in Note 42. 6. INVESTASI JANGKA PENDEK 6. SHORT-TERM INVESTMENTS 2014 2013 Reksadana 89.609.249 87.572.050 Mutual Fund Deposito dengan jatuh tempo Time deposits with maturities lebih dari tiga bulan - 15.000.000 of more than three months Kepemilikan saham dibawah 20 - Share ownership less than 20 - PT Eternit Gresik 1.861.173 1.861.173 PT Eternit Gresik PT Sumatera Utara Perkasa Semen 402.000 402.000 PT Sumatera Utara Perkasa Semen Jumlah 91.872.422 104.835.223 Total Berikut ini rincian nilai wajar reksadana pada tanggal 31 Desember 2014 dan 2013 setelah dikurangi pajak penghasilan terkait: Below is details of fair value of mutual funds as at December 31, 2014 and 2013 after deduction of related income taxes: 2014 2013 Reksadana Terproteksi CIMB-Principal Reksadana Terproteksi CIMB-Principal CPF XII 89.522.346 87.125.641 CPF XII 89.522.346 87.125.641 Untuk tujuan pengelompokkan instrumen keuangan, investasi di reksadana dan investasi saham kurang dari 20 dan tidak mempunyai pengaruh signifikan dikelompokkan sebagai investasi AFS, sedangkan deposito dikelompokkan sebagai pinjaman yang diberikan dan piutang. For the purpose of financial instrument classification, investment in mutual fund, and investment in shares less than 20 and has no significant influences are classified as AFS investment, while time deposits are classified as loans and receivables. N ilai wajar reksadana ditetapkan berdasarkan nilai pasar yang dikeluarkan oleh PT CIMB-Principal Asset Management. The fair value of mutual fund is determined based on market prices published by PT CIMB-Principal Asset Management. Rincian transaksi dan saldo dengan pihak berelasi diungkapkan dalam Catatan 42. Details of related party transactions and balances are disclosed in Note 42. Assuring the Move Into Next Level 471 Corporate Governance Implementation Report Corporate Social Responsibility Report Corporate Data Management Discussion and Analysis Financial Statements PT SEMEN INDONESIA PERSERO Tbk AND ITS SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS FOR THE YEARS ENDED DECEMBER 31, 2014 AND 2013 Expressed in thousands of Rupiah, unless otherwise stated Continued - 57 - 7. PIUTANG USAHA 7. TRADE RECEIVABLES 2014 2013 Pihak ketiga: Third parties: Rupiah 2.550.117.743 2.238.139.182 Rupiah Dong Vietnam 28.273.053 39.623.979 Vietnamese Dong Dolar Amerika Serikat 27.613.160 6.601.148 United States Dollars 2.606.003.956 2.284.364.309 Dikurangi: Less: Cadangan penurunan nilai 52.350.448 45.911.409 Allowance for impairment losses 2.553.653.508 2.238.452.900 Pihak berelasi: Related parties: Rupiah 755.859.388 564.706.436 Rupiah Dong Vietnam 11.924.719 46.180.828 Vietnamese Dong 767.784.107 610.887.264 Dikurangi: Less: Cadangan penurunan nilai 20.190.311 24.231.524 Allowance for impairment losses 747.593.796 586.655.740 Jumlah 3.301.247.304 2.825.108.640 Total Sebelum menerima setiap pelanggan baru, Grup menggunakan sistem penilaian secara internal untuk menilai potensi pelanggan. Untuk selanjutnya batasan yang diatribusikan kepada pelanggan ditinjau minimal 2 kali setahun. Before accepting any new customer, the Group uses an internal assessment system to assess the potential customer. In addition further restrictions attributable to the customer are evaluated at least 2 times a year. Pada tanggal 31 Desember 2014, rincian pelanggan dengan nilai piutang melebihi 5 dari jumlah saldo piutang usaha adalah sebagai berikut: The details of the customer with the value of receivables exceeds 5 of the total trade receivable balance as of December 31, 2014 are as follows: Saldo piutang usaha Persentase dari total piutang usaha Trade receivable As a percentage of PelangganCustomer balance trade receivable balance PT Varia Usaha 260.831.111 7,90 Koperasi Warga Semen Gresik 213.261.058 6,46 Rincian transaksi dan saldo dengan pihak berelasi diungkapkan dalam Catatan 42. Details of related party transactions and balances are disclosed in Note 42. Umur piutang usaha adalah sebagai berikut: The aging of trade receivables is as follows: 2014 2013 Lancar 2.932.746.406 2.538.994.456 Current Lewat jatuh tempo: Overdue: 1 - 45 hari 265.438.115 205.168.665 1 - 45 days 46 - 135 hari 63.653.940 24.458.047 46 - 135 days 136 - 365 hari 21.369.235 37.211.266 136 - 365 days Lebih dari 365 hari 90.580.367 89.419.139 Over 365 days 3.373.788.063 2.895.251.573 Dikurangi: Less: Cadangan penurunan nilai 72.540.759 70.142.933 Allowance for impairment losses Jumlah 3.301.247.304 2.825.108.640 Total