Berdasarkan sisa umur jatuh tempo By Maturity Term Berdasarkan klasifikasi Kredit yang direstrukturisasi Restructed loans
e. Berdasarkan klasifikasi
individual dan kolektif e. By individual and collective classification 31 Desember 2012 December 31, 2012 30 Juni 2012 June 30, 2012 Pokok Principal Penyisihan Allowance Pokok Principal Penyisihan Allowance Rupiah Rupiah Individual 128.968 4.183 393.137 209.628 Individual Kolektif 12.980.955 5.894 11.802.707 6.917 Collective Mata uang asing Foreign currency Individual - - 74.204 43.846 Individual Kolektif 2.102.212 124 2.305.312 1.352 Collective Jumlah 15.212.135 10.201 14.575.360 261.743 Total 31 Desember 2011 December 31, 2011 Pokok Principal Penyisihan Allowance Rupiah Rupiah Individual 393.900 46.290 Individual Kolektif 10.621.997 179.399 Collective Mata uang asing Foreign currency Individual 101.794 43.846 Individual Kolektif 2.281.756 18.591 Collective Jumlah 13.399.447 288.126 Totalf. Kredit yang direstrukturisasi
f. Restructed loans
31 Desember 2012 30 Juni 2012 31 Desember 2011 December 31, 2012 June 30, 2012 December 31, 2011 Penjadwalan kembali angsuran dan perpanjangan jangka waktu kredit - - 75.571 Rescheduling of installments and the extention of credit period Perpanjangan jangka waktu kredit - - - Extention of credit period Perpanjangan jangka waktu kredit dan penambahan plafond - - 100 Extention of credit period and additions of plafond Jumlah - - 75.671 Total Penyisihan kerugian penurunan nilai - - 771 Allowance for impairment losses Jumlah kredit yang direstrukturisasi - bersih - - 74.900 Total restructed loans - net CATATAN ATAS LAPORAN KEUANGAN Tahun yang Berakhir pada Tanggal-tanggal 31 Desember 2012 dan 2011 serta Enam Bulan yang Berakhir pada Tanggal 30 Juni 2012 Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS Years Ended December 31, 2012 and 2011 and Six Months Ended June 30, 2012 Expressed in million Rupiah, unless otherwise stated 73 12. KREDIT YANG DIBERIKAN lanjutan 12. LOANS continuedParts
» Pendirian dan Informasi Umum Bank Establishment and General Information of
» Pendirian dan Establishment and General Information of the Bank continued Susunan Pengurus Bank
» Susunan Pengurus Bank lanjutan
» Penawaran Umum Saham Bank lanjutan
» Dasar Penyusunan Laporan Keuangan Basis of Financial Statements Preparation
» Dasar Penyusunan Perubahan Kebijakan
» Change in Significant Accounting Policies continued
» Foreign Currency Translations Aset dan Liabilitas Keuangan Financial Assets and Liabilities
» Financial Assets and Liabilities continued
» Surat-surat Berharga Securities SUMMARY OF
» Securities continued SUMMARY OF
» Derivative Instruments continued SUMMARY OF
» Loans continued Restrukturisasi Kredit lanjutan
» Penurunan Nilai Aset Keuangan dan Aset Impairment of Financial and Non-Financial Assets
» Impairment of Financial and Non-Financial Assets continued
» Tagihan dan liabilitas akseptasi Acceptances Receivable and Payable Aset Tetap Fixed Assets
» Fixed Assets continued SUMMARY OF
» Interest Income and Expense continued
» Fees and Pendapatan dan Beban Operasional Lainnya Other Operating Incomes and Expenses
» Perpajakan Taxation SUMMARY OF
» Taxation continued SUMMARY OF
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF
» PERTIMBANGAN DAN ESTIMASI AKUNTANSI YANG PENTING SIGNIFICANT ACCOUNTING JUDGMENTS AND ESTIMATES
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» Jangka waktu dan kisaran tingkat bunga per tahun surat-surat berharga adalah sebagai Period and
» Penyisihan kerugian penurunan nilai Allowance for Impairment Losses
» TAGIHAN DAN PENYERTAAN DALAM BENTUK SAHAM INVESTMENT IN SHARES OF STOCK
» PENYERTAAN DALAM ASET TETAP FIXED ASSETS
» ASET TETAP lanjutan FIXED ASSETS continued
» SIMPANAN NASABAH CUSTOMER DEPOSITS
» SIMPANAN NASABAH lanjutan CUSTOMER DEPOSITS continued
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued PINJAMAN DITERIMA BORROWING
» PINJAMAN DITERIMA lanjutan BORROWING continued PINJAMAN SUBORDINASI SUBORDINATED LOANS
» PINJAMAN SUBORDINASI lanjutan SUBORDINATED LOANS continued
» BUNGA MASIH HARUS DIBAYAR ACCRUED INTEREST PAYABLE OTHER LIABILITIES
» IMBALAN KERJA EMPLOYEE BENEFITS
» IMBALAN KERJA lanjutan EMPLOYEE BENEFITS continued
» MODAL SAHAM DAN MODAL DISETOR LAINNYA CAPITAL STOCK AND OTHER PAID – IN
» BEBAN BUNGA INTEREST EXPENSES BEBAN TENAGA KERJA PERSONNEL EXPENSES
» Utang Pajak Taxes Payable Pajak Penghasilan Income Taxes
» Pajak Penghasilan lanjutan Income Taxes continued
» Pajak Tangguhan Deffered Tax
» Pajak Tangguhan lanjutan Deferred Tax continued
» LABA PER SAHAM EARNINGS PER SHARE INFORMASI MENGENAI
» INFORMASI MENGENAI KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» POSISI DEVISA NETO NET OPEN POSITION
» INFORMASI SEGMEN USAHA lanjutan OPERATING
» MANAJEMEN RISIKO RISK MANAGEMENT
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit Credit Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar Market Risk
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Pasar lanjutan Market Risk continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Likuiditas Liquidity Risk
» Risiko Operasional Operational Risks MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued
» Risiko Operasional lanjutan Operational Risks continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Hukum lanjutan Legal Risk continued
» MANAJEMEN RISIKO lanjutan RISK MANAGEMENT continued Risiko Kepatuhan Compliance Risk
» NILAI WAJAR MANAJEMEN MODAL CAPITAL MANAGEMENT
» MANAJEMEN MODAL lanjutan CAPITAL MANAGEMENT continued
» KUASI-REORGANISASI lanjutan QUASI-REORGANIZATION continued
» KEJADIAN SETELAH TANGGAL NERACA SUBSEQUENT EVENT
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