GIRO PADA BANK LAIN
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 54 -
Tidak mengalami
Mengalami penurunan
penurunan nilai
nilai Jumlah
Unimpaired Impaired
Total Rp Juta
Rp Juta Rp Juta
Rp Million Rp Million
Rp Million Pihak berelasi
Related parties Rupiah
Rupiah Kredit konsumsi
10,123 -
10,123 Consumer loans
Kredit modal kerja 21,035
- 21,035
Working capital loans Jumlah
31,158 -
31,158 Total
Dolar Amerika Serikat United States Dollar
Kredit konsumsi 334
- 334
Consumer loans Jumlah
334 -
334 Total
Pihak ketiga Third parties
Rupiah Rupiah
Kredit konsumsi 5,439,039
98,882 5,537,921
Consumer loans Kredit modal kerja
1,477,490 123,346
1,600,836 Working capital loans
Kredit investasi 104,293
66,134 170,427
Investment loans Jumlah
7,020,822 288,362
7,309,184 Total
Dolar Amerika Serikat United States Dollar
Kredit konsumsi 36,681
- 36,681
Consumer loans Kredit modal kerja
3,843,351 -
3,843,351 Working capital loans
Kredit investasi 247,604
- 247,604
Investment loans Jumlah
4,127,636 -
4,127,636 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai impairment losses
Kredit konsumsi 29,291
38,018 67,309
Consumer loans Kredit modal kerja
46,026 35,467
81,493 Working capital loans
Kredit investasi 2,893
9,985 12,878
Investment loans Jumlah
78,210 83,470
161,680 Total
Jumlah - bersih 11,101,740
204,892 11,306,632
Total - net 31 DesemberDecember 2014
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 55 -
b. Berdasarkan sektor ekonomi b. By economic sector
Pinjaman yang diberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami
penurunan nilai
dan tidak
mengalami penurunan nilai.
Classification of loans based on economic sector and impaired and non-impaired loans.
Tidak mengalami
Mengalami penurunan
penurunan nilai
nilai Jumlah
Unimpaired Impaired
Total Rp juta
Rp juta Rp juta
Rp Million Rp Million
Rp Million Rupiah
Rupiah Jasa dunia usaha
735,886 7,480
743,366 Business services
Jasa pelayanan sosial 238,356
63,793 302,149
Social services Industri pengolahan
150,419 40,107
190,526 Processing industry
Perdagangan, restoran dan hotel 27,043
18,441 45,484
Trading, restaurant and hotel Pertanian, perburuan
Agriculture, hunting and dan sarana pertanian
42,860 4,397
47,257 agriculture improvements
Konstruksi 13,600
54,707 68,307
Construction Pengangkutan, pergudangan
Transportation, warehouse dan komunikasi
261,721 494
262,215 and communication
Pertambangan -
- -
Mining Lain-lain
6,343,388 111,239
6,454,627 Others
Jumlah 7,813,273
300,658 8,113,931
Total Dolar Amerika Serikat
United States Dollar Jasa dunia usaha
36,131 -
36,131 Business services
Jasa pelayanan sosial 26,865
- 26,865
Social services Industri pengolahan
3,983,617 31,331
4,014,948 Processing industry
Konstruksi 20,189
- 20,189
Construction Pengangkutan, pergudangan
Transportation, warehouse dan komunikasi
27,065 19,258
46,323 and communication
Pertambangan 186,655
- 186,655
Mining Perdagangan, restoran dan hotel
149,782 22,732
172,514 Trading, restaurant and hotel
Pertanian, perburuan Agriculture, hunting and
dan sarana pertanian 73,551
- 73,551
agriculture improvements Perikanan
- -
- Fishery
Lain-lain 24,595
- 24,595
Others Jumlah
4,528,450 73,321
4,601,771 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai 72,151
124,156 196,307
impairment losses Jumlah - bersih
12,269,572 249,823
12,519,395 Total - net
30 JuniJune 2015
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 56 -
Tidak mengalami
Mengalami penurunan
penurunan nilai
nilai Jumlah
Unimpaired Impaired
Total Rp juta
Rp juta Rp juta
Rp Million Rp Million
Rp Million Rupiah
Rupiah Jasa dunia usaha
775,174 3,146
778,320 Business services
Jasa pelayanan sosial 311,871
56,903 368,774
Social services Industri pengolahan
165,771 62,270
228,041 Processing industry
Perdagangan, restoran dan hotel 30,604
19,474 50,078
Trading, restaurant and hotel Pertanian, perburuan
Agriculture, hunting and dan sarana pertanian
32,751 6,386
39,137 agriculture improvements
Konstruksi 35,254
33,042 68,296
Construction Pengangkutan, pergudangan
Transportation, warehouse dan komunikasi
260,031 388
260,419 and communication
Pertambangan -
8,950 8,950
Mining Lain-lain
5,440,524 97,803
5,538,327 Others
Jumlah 7,051,980
288,362 7,340,342
Total Dolar Amerika Serikat
United States Dollar Jasa dunia usaha
43,719 -
43,719 Business services
Jasa pelayanan sosial 25,699
- 25,699
Social services Industri pengolahan
3,573,818 -
3,573,818 Processing industry
Konstruksi 9,289
- 9,289
Construction Pengangkutan, pergudangan
Transportation, warehouse dan komunikasi
46,568 -
46,568 and communication
Pertambangan 181,618
- 181,618
Mining Perdagangan, restoran dan hotel
191,320 -
191,320 Trading, restaurant and hotel
Perikanan 55,939
- 55,939
Fishery Jumlah
4,127,970 -
4,127,970 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai 78,210
83,470 161,680
impairment losses Jumlah - bersih
11,101,740 204,892
11,306,632 Total - net
31 DesemberDecember 2014
Klasifikasi pinjaman
yang diberikan
berdasarkan yang mengalami penurunan nilai secara kolektif dan individual adalah sebagai
berikut : Classification of impaired loans according to
collective and individual impaired loans are as follows:
Kolektif Individual
Jumlah Collective
Individual Total
Rp Juta Rp Juta
Rp Juta Rp Million
Rp Million Rp Million
Kredit konsumsi 111,231
8 111,239
Consumer loans Kredit modal Kerja
131,859 56,964
188,823 Working capital loans
Kredit investasi 70,231
3,686 73,917
Investment loans Jumlah pinjaman yang diberikan
313,321 60,658
373,979 Total loan
Dikurangi : Cadangan kerugian Less : Allowance for
penurunan nilai 124,156
impairment losses Jumlah - bersih
249,823 Total - net
30 JuniJune 2015