TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan RELATED PARTY TRANSACTIONS continued
42. TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan
42. RELATED PARTY TRANSACTIONS continued
b. Transaksi dengan manajemen kunci lanjutan: b. Transactions with key management personnel continued: 2012 2011 Pendapatan bunga dan Interest income and income bagi hasil from profit sharing Kredit yang diberikan dan piutang Loan and sharia pembiayaan syariah Catatan 27 51 3 financingreceivables Note 27 Persentase terhadap total Percentage to total interest pendapatan bunga dan bagi income and income from hasil profit sharing Beban bunga dan bonus Interest and bonus expenses Simpanan nasabah dan simpanan Deposits from customer and deposits from nasabah syariah Catatan 19 1.249 787 customer – sharia Note 19 Persentase terhadap total Percentage to total interest beban bunga dan bonus and bonus expense Jumlah agregat dari kompensasi terhadap manajemen kunci Bank pada 2012 dan 2011 adalah sebagai berikut: The aggregate compensation of the key management personnel of the Bank in 2012 and 2011 follows: 2012 2011 Imbalan kerja jangka pendek 63.653 2.448 Short-term employee benefits Imbalan pascakerja 7.265 134.668 Post - employment benefits Imbalan kerja jangka panjang lainnya 45.557 17.998 Other long-term benefits Total 116.475 155.114 Total Bank menetapkan Dewan Komisaris dan Direksi, Kepala Divisi dan Kepala Cabang sebagai bagian dari manajemen kunci Bank. The Bank considers the members of the Boards of Commisioners and Directors, Division Heads and Branch Heads as its key management personnel. 43. KEPENTINGAN NON-PENGENDALI 43. NON-CONTROLLING INTEREST Rincian bagian kepentingan non-pengendali atas aset neto dan laba tahun berjalan entitas anak yang dikonsolidasi adalah sebagai berikut: Details of non-controlling interests proportionate share in the net assets and income for the year of the consolidated subsidiaries are as follows: 2012 2011 Kepentingan non-pengendali Kepentingan non-pengendali pada entitas anak yang pada entitas anak yang dikonsolidasinon-controlling dikonsolidasinon-controlling interest in consolidated interest in consolidated subsidiaries subsidiaries Laba tahun Laba tahun berjalan berjalan Aset neto Income for Aset neto Income for Net asset the year Net asset the year Entitas anak Subsidiaries PT Bank Jabar Banten PT Bank Jabar Banten Syariah 14.574 333 12.457 435 Syariah PD BPR LPK Garut kota 10.344 92 - - PD BPR LPK Garut kota PD BPR LPK Garut kota 8.769 195 - - PD BPR LPK Garut kota Neto 33.687 620 12.457 435 Net Laporan Tahunan 2012 AnnualReport• bank bjb 499 Performance Good Corporate The original consolidated financial statements included herein are in the Indonesian language. PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN Tahun yang berakhir pada tanggal-tanggal 31 Desember 2012 dan 2011 Disajikan dalam jutaan rupiah, kecuali dinyatakan lain PT BANK PEMBANGUNAN DAERAH JAWA BARAT DAN BANTEN Tbk AND SUBSIDIARIES NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS Years ended December 31, 2012 and 2011 Expressed in millions of rupiah, unless otherwise stated 159 44. INFORMASI SEGMEN USAHA 44. SEGMENT INFORMATION Bank mempertimbangkan jenis usaha sebagai segmen utama dan lokasi geografis sebagai segmen sekunder. The Bank considers the nature of its business as the primary segment and geographical areas as the secondary segment. Informasi yang berkaitan dengan segmen usaha yang utama dari Bank disajikan dalam tabel di bawah ini: Information concerning the primary segment information of the Bank is set out in the table below: 2012 Konvensional Syariah Eliminasi Conventional Sharia Elimination Total Pendapatan segmen 6.440.774 354.912 - 6.795.686 Segment income Beban segmen 2.990.202 150.109 - 3.140.311 Segment expenses Pendapatan segmen - neto 3.450.572 204.803 - 3.655.375 Segment Income - net Pendapatan operasional lainnya 321.890 8.472 - 330.362 Other operating income penyisihan kerugian penurunan Provision for impairment nilai aset keuangan dan losses on financial assets non-aset keuangan 360.965 44.851 2.428 403.388 and non-financial assets Beban estimasi Estimated losses on kerugian komitmen dan commitments and kontinjensi - 133 - 133 contingencies Beban operasional lainnya 2.015.397 147.578 - 2.162.975 Other operating expenses Laba operasional 1.396.100 20.713 2.428 1.419.241 Income from operations Pendapatan beban bukan Non-operating income operasional - neto 102.737 129 9.608 93.258 expenses - net Beban pajak - neto 312.825 6.370 - 319.195 Tax expense - net Laba tahun berjalan 1.186.012 14.472 7.180 1.193.304 Income for the year Total aset 67.187.111 4.275.098 621.331 70.840.878 Total assets 2011 Konvensional Syariah Eliminasi Conventional Sharia Elimination Total Pendapatan segmen 5.722.361 254.689 - 5.977.050 Segment income Beban segmen 2.812.721 103.120 - 2.915.841 Segment expenses Pendapatan segmen - neto 2.909.640 151.569 - 3.061.209 Segment Income - net Pendapatan operasional lainnya 235.207 4.961 - 240.168 Other operating income penyisihan kerugian penurunan Provision for impairment nilai aset keuangan dan losses on financial assets non-aset keuangan 330.733 9.986 - 340.719 and non-financial assets Beban estimasi Estimated losses on kerugian komitmen dan commitments and kontinjensi 36.151 278 - 35.873 contingencies Beban operasional lainnya 1.601.167 120.470 - 1.721.638 Other operating expenses Laba operasional 1.249.098 25.796 - 1.274.894 Income from operations Pendapatan beban bukan Non-operating income operasional - neto 48.127 28 3.177 44.922 expenses - net Beban pajak - neto 349.747 7.374 - 357.121 Tax expense - net Laba tahun berjalan 947.478 18.394 3.177 962.695 Income for the year Total aset 52.102.571 2.849.451 503.364 54.448.658 Total assetsParts
» bjb ar 2012 INDIGO Editorial 19MAR
» Obligasi VII bank bjb Tahun 2011 dengan jumlah pokok
» bjb successfully posted a net profit of Rp 1.9 trillion, or
» Peluang peningkatan image bank bjb dengan turut serta
» Pengembangan jaringan bank bjb diluar Provinsi Jawa
» Network development of bank bjb outside West Java,
» Pengembangan jaringan waroeng bjb;
» Overall, the performance of the bank bjb as dealer of
» bank bjb juga bekerja sama dengan beberapa perguruan
» respectively. The increased LDR represents bank bjb
» 2011 on the bank bjb Formation of Structure Members of
» 2011 on the Formation of Structure Members of bank bjb’s
» Persiapan dan Pelaksanaan RUPSLB bank bjb Preparation and implementation of bank bjb EGMS
» Program Ide Kreatif untuk bank bjb
» Creative Idea Program for bank bjb
» bank bjb Service Excellence Awards Program
» Expanding the network to areas unserved bank bjb with
» Pendirian dan informasi umum Bank Establishment and general information
» Pendirian dan informasi umum Bank lanjutan
» Establishment and general information about the Bank continued
» Maksud dan tujuan Purpose and objectives
» 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 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi Principles of consolidation
» Prinsip konsolidasi lanjutan Principles of consolidation continued
» Penjabaran mata uang asing Foreign
» 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 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 SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Derivative financial instruments SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Instrumen keuangan derivatif lanjutan
» Derivative financial SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» 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
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investments in shares
» Penyertaan saham lanjutan Investments in shares continued Aset tetap Fixed assets
» Aset tetap lanjutan Fixed assets continued
» Penurunan nilai aset non-keuangan dan komitmen dan kontinjensi
» 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
» Efek hutang yang diterbitkan Debt securities issued
» Pendapatan dan beban bunga Interest income and expense
» Pendapatan dan beban bunga lanjutan Interest income and expense continued
» Pendapatan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Fees and commission income sharia
» IKHTISAR KEBIJAKAN AKUNTANSI YANG SIGNIFIKAN lanjutan
» SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» IKHTISAR KEBIJAKAN AKUNTANSI YANG PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» PENILAIAN DAN ESTIMASI AKUNTANSI YANG
» SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» 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
» Tingkat suku bunga rata-rata per tahun Average interest rate per annum
» Berdasarkan kolektibilitas GIRO PADA BANK LAIN lanjutan CURRENT ACCOUNTS WITH OTHER BANKS
» Transaksi dengan pihak tertentu Transaction with certain parties
» Transaksi dengan pihak tertentu lanjutan Transaction
» Berdasarkan sisa umur hingga jatuh tempo By remaining period until maturity
» Berdasarkan jenis dan mata uang By type and currency
» Berdasarkan jenis dan nama bank By type and counterparty bank
» Berdasarkan jenis PLACEMENTS WITH BANK INDONESIA AND OTHER BANKS continued
» By type and counterparty bank continued
» Perubahan cadangan kerugian penurunan
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» Berdasarkan jenis dan mata uang
» Berdasarkan penerbit SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan penerbit lanjutan SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» By issuer continued SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» Berdasarkan jatuh tempo By maturity
» Berdasarkan efek pemerintah dan bukan pemerintah
» By government SURAT BERHARGA lanjutan MARKETABLE SECURITIES continued
» MARKETABLE SECURITIES bjb ar 2012 INDIGO Editorial 19MAR
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan
» Berdasarkan jenis, By type, currency and relationship
» Berdasarkan kolektibilitas WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» By collectibility WESEL EKSPOR DAN TAGIHAN LAINNYA BILLS AND OTHER RECEIVABLES
» 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, KREDIT YANG DIBERIKAN lanjutan LOANS continued
» 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 KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Ikhtisar kredit KREDIT YANG DIBERIKAN lanjutan LOANS continued
» Non-performing loans by economic sector continued
» Kredit yang direstrukturisasi Restructured loans
» Kredit yang direstrukturisasi lanjutan Restructured loans continued
» Perubahan cadangan kerugian penurunan nilai
» 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
» Perubahan cadangan kerugian penurunan nilai Movements
» 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
» BUNGA YANG MASIH AKAN DITERIMA INTEREST RECEIVABLES
» Perubahan cadangan kerugian penurunan nilai properti terbengkalai
» Movements in ASET LAIN-LAIN lanjutan OTHER ASSETS continued
» Simpanan nasabah Deposits from customers
» Berdasarkan jenis dan mata uang lanjutan By type and currency continued
» Simpanan nasabah lanjutan Deposits from customers continued
» Rincian deposito berjangka berdasarkan jangka waktu
» Details of time deposits by term
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY EFEK-EFEK YANG DIJUAL DENGAN JANJI DIBELI KEMBALI
» 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
» Perubahan tarif pajak lanjutan Changes in tax rate continued
» BUNGA YANG MASIH HARUS DIBAYAR INTEREST PAYABLE
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL
» OTHER PAID-UP CAPITAL bjb ar 2012 INDIGO Editorial 19MAR
» 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 bjb ar 2012 INDIGO Editorial 19MAR
» 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
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan 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
» MONETARY ASSETS AND LIABILITIES IN FOREIGN CURRENCY continued
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM
» CAPITAL MANAGEMENT bjb ar 2012 INDIGO Editorial 19MAR
» MANAJEMEN MODAL DAN RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM lanjutan
» Risiko reputasi Reputational risks
» Risiko strategis Strategic risks
» Risiko kepatuhan Compliance risks
» Risiko kepatuhan lanjutan Compliance risks continued
» JAMINAN PEMERINTAH bjb ar 2012 INDIGO Editorial 19MAR
» 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” agreement
» 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-
» Pengikatan jual beli gedung kantor Sale-purchased
» PERIKATAN-PERIKATAN YANG SIGNIFIKAN lanjutan PERNYATAAN STANDAR
» REVISED STATEMENTS bjb ar 2012 INDIGO Editorial 19MAR
» REKLASIFIKASI SURAT BERHARGA YANG DIMILIKI
» RECLASSIFICATION OF bjb ar 2012 INDIGO Editorial 19MAR
» PENYELESAIAN LAPORAN bjb ar 2012 INDIGO Editorial 19MAR
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