Risiko kredit lanjutan Credit risk continued
c. R
is ik o l ik u id it as l a n ju ta n c. L iq u id it y r is k c o nt inue d 201 5 N il ai te rc ata t C ar ry in g am ount T ida k me mi li k i ja tuh te m p o D oe s not hav e a m at ur it y K ur ang da ri 1 bula n L es s t han 1 month 1 – 3 bula n m ont h s 3 - 12 bula n m ont h s 12 bula n m ont h s As e t A sse ts Ka s 14.449.643.170 14.449.643.170 - - - - C as h G ir o pa da B ank I nd o ne sia 111.237.968.152 - 111.237.968.152 - - - C ur re nt a cc ount w it h B ank I ndone sia G ir o pa da ba nk l ain 3.121.831.970 - 3.121.831.970 - - - C ur re nt a cc ount w it h ot he r bank s P en em pa ta n pa da B ank Indo n es ia da n ba nk l ain 516.465.493.310 - 516.465.493.310 - - - P la cem en ts w it h B ank Indone sia and Othe r B ank E fek -e fek 129.101.107.152 - 29.921.167.866 - 19.179.939.286 80.000.000.000 M ar ke ta bl e s ec ur it ie s P in ja m an ya ng dib er ik an 1.136.823.494.090 - 1.083.604.608 247.937.896.651 468.902.878.380 418.899.114. 451 L oans A se t la in -la in – pe nda pa ta n bunga y ang m as ih a ka n di te rim a 3.599.764.723 - 3.599.764.723 - - - O th ers a sse ts – I nt er es t R ecei va b les Jum la h as et ke ua nga n 1.914.799.302.567 14.449.643.170 665.429.830.629 247.937.896.651 488.082.817.666 498 .899.114.451 T ot al f in anc ia l as se ts L ia b il it as L ia bi li tie s S im pa na n da ri na sa ba h Sav in g s fr om C o stu m er Gi ro 29.032.033.923 29.032.033.923 - - - - C ur re nt A cc ount T abunga n 196.176.064.830 196.176.064.830 - - - - Sav in gs D ep os it o 1.245.683.074.830 - 872.004.302.219 337.064.148.035 36.564.624.576 50.000.000 T ime D ep os it s S im pa na n da ri ba nk l ain 150.676.737.056 - 149.676.737.056 - 1.000.000.000 - Sav in g s fr om ot he r bank L ia bi li ta s l ain -la in 8.274.945.631 - 8.274.945.631 - - - O th er l ia bi li ti es Jum la h l ia bi li ta s ke ua nga n 1.629.842.856 .270 225.208.098.75 3 1.029.955.984.906 337.064.148.035 37.564.624.576 50.000.000 T ot al f in anc ia l li abi li ti es A se t li abi li ta s be rs ih 284.956.446 .297 210.758.455.583 364.526.154.277 89.126.251.384 450.518.193.090 498 .849.114.451 F in anc ia l as se ts li abi lit ie sParts
» Laporan Tahunan 2015 BANK DINAR
» PROFIL BANK DINAR Nama Perusahaan
» BANK DINAR PROFILE Company Name
» KRONOLOGIS PENCATATAN SAHAM TAHAP PERSIAPAN
» STOCK LISTED CHRONOLOGY INITIATING STEP
» IKHTISAR KEUANGAN FINANCIAL SUMMARY
» STOCK SUMMARY AWARD Laporan Tahunan 2015 BANK DINAR
» PERISTIWA PENTING 2015 IMPORTANT EVENTS
» . VISI DAN MISI Laporan Tahunan 2015 BANK DINAR
» KEGIATAN USAHA Laporan Tahunan 2015 BANK DINAR
» . BUSINESS ACTIVITY Laporan Tahunan 2015 BANK DINAR
» PRODUK DAN JASA PRODUCT AND SERVICE
» STRUKTUR ORGANISASI ORGANIZATION STRUCTURE
» JARINGAN KANTOR Kantor Pusat
» KEPEMILIKAN SAHAM STOCK OWNERSHIP
» PROFIL DEWAN KOMISARIS Laporan Tahunan 2015 BANK DINAR
» BOARD OF COMMISSIONERS’ PROFILE Dr. Syaiful Amir, SE, Ak. – President Commissioner
» PROFIL DIREKSI BOARD OF DIRECTORS PROFILE
» PROFIL PEJABAT EKSEKUTIF PEJABAT
» EXECUTIVE OFFICER AND BANK OFFI-
» PROFIL ANGGOTA KOMITE Laporan Tahunan 2015 BANK DINAR
» COMMITTEE MEMBER PROFILE Laporan Tahunan 2015 BANK DINAR
» LAPORAN DEWAN KOMISARIS BRANCH MANAGER PROFILE
» BOARD OF COMMISIONERS REPORT
» LAPORAN DIREKSI BRANCH MANAGER PROFILE
» MANAGEMENT ANALYSIS AND DISCUSSION 1. ECONOMIC CONDITION IN 2015
» ANALISIS DAN PEMBAHASAN MANAJEMEN 1. PEREKONOMIAN TAHUN 2015
» PROFIL PIMPINAN CABANG KINERJA 2015
» KREDIT BERMASALAH Laporan Tahunan 2015 BANK DINAR
» NON PERFORMING LOAN Laporan Tahunan 2015 BANK DINAR
» EKUITAS Laporan Tahunan 2015 BANK DINAR
» EQUITY Laporan Tahunan 2015 BANK DINAR
» PENDAPATAN BUNGA BERSIH Laporan Tahunan 2015 BANK DINAR
» PENDAPATAN OPERASIONAL LAINNYA Laporan Tahunan 2015 BANK DINAR
» BEBAN OPERASIONAL LAINNYA Laporan Tahunan 2015 BANK DINAR
» LABA OPERASIONAL Laporan Tahunan 2015 BANK DINAR
» NET INTEREST INCOME Laporan Tahunan 2015 BANK DINAR
» OTHER OPERATING INCOME Laporan Tahunan 2015 BANK DINAR
» OTHER OPERATING EXPENSES Laporan Tahunan 2015 BANK DINAR
» OPERATING PROFIT Laporan Tahunan 2015 BANK DINAR
» LABA SEBELUM PAJAK Laporan Tahunan 2015 BANK DINAR
» LABA BERSIH Laporan Tahunan 2015 BANK DINAR
» PENDAPATAN DAN LABA KOMPREHENSIF
» LAPORAN ARUS KAS 4.9. PROFIT BEFORE TAX
» NET PROFIT Laporan Tahunan 2015 BANK DINAR
» COMPREHENSIVE PROFIT AND INCOME
» CASH FLOW REPORT Laporan Tahunan 2015 BANK DINAR
» KEBIJAKAN MANAJEMEN ATAS STRUKTUR PERMODALAN
» MANAGEMENT POLICY ON CAPITAL STRUCTURE
» RASIO KEUANGAN 1. Rasio Kecukupan Modal
» FINANCIAL RATIO 1. Capital Adequacy Ratio
» TRANSAKSI BENTURAN KEPENTINGAN Laporan Tahunan 2015 BANK DINAR
» FAKTA MATERIAL Laporan Tahunan 2015 BANK DINAR
» REALISASI PENGGUNAAN DANA HASIL PENAWARAN UMUM
» TRANSACTION WITH CONFLICT INTEREST
» MATERIAL FACT Laporan Tahunan 2015 BANK DINAR
» REALIZATION OF THE USE OF PROCEEDS FROM PUBLIC OFFERING
» THE IMPACT OF REGULATION AND ACCOUNTING POLICIES CHANGING TARGET AND REALIZATION OF CERTAIN POST
» KEMAMPUAN MEMBAYAR UTANG DENGAN MENYAJIKAN PERHITUNGAN RASIO
» THE CAPACITY TO PAY DEBTS BY INCLUDING THE COMPUTATION OF RELEVANT
» IKATAN MATERIAL UNTUK INVESTASI BARANG MODAL
» PROSPEK USAHA Laporan Tahunan 2015 BANK DINAR
» MATERIAL COMMITMENT FOR CAPITAL GOODS INVESTMENT
» BUSINESS PROSPECT Laporan Tahunan 2015 BANK DINAR
» ASPEK PEMASARAN Laporan Tahunan 2015 BANK DINAR
» MARKETING ASPECT Laporan Tahunan 2015 BANK DINAR
» GOOD CORPORATE GOVERNANCE MATERIAL INFORMATION
» RUPS Tahunan TRANSPARASI PELAKSANAAN GCG 1. PENGUNGKAPAN PELAKSANAAN GCG
» RUPS Luar Biasa IMPLEMENTATION TRANSPARENCY OF GCG 1. GCG IMPLEMENTATION DISCLOSURE
» KEPEMILIKAN SAHAM ANGGOTA DEWAN KOMISARIS DAN DIREKSI YANG
» HUBUNGAN KEUANGAN DAN Extra Ordinary General Meeting of Shareholders
» KEBIJAKAN REMUNERASI DAN Extra Ordinary General Meeting of Shareholders
» OWNERSHIP OF 5 SHARE OR MORE IN PAY UP CAPITAL AMONG MEMBER BOARD OF
» FINANCIAL AND FAMILY RELATION IN BOARD OF COMMISSIONERS AND
» REMUNERATION POLICY AND OTHER FACILITY TO BOARD OF COMMISSIONERS AND
» KEPEMILIKAN SAHAM OLEH KARYAWANMANAJEMEN
» SHARE OWNERSHIP BY EMPLOYEE OR MANAGEMENT SHARE OPTION
» HIGHEST AND LOWEST BENEFIT RATIO
» JUMLAH PENYIMPANGAN INTERNAL INTERNAL FRAUD YANG TERJADI DAN
» Internal Fraud ad Solutions by Bank
» PERMASALAHAN HUKUM Extra Ordinary General Meeting of Shareholders
» LEGAL PROBLEM Extra Ordinary General Meeting of Shareholders
» KEBIJAKAN DIVIDEN INFORMASI MATERIAL DIVIDENDS POLICY Perkara AYDA
» AYDA Case Laporan Tahunan 2015 BANK DINAR
» Perkara Hukum Kepemilikan Saham
» Perkara Fasilitas KPR Laporan Tahunan 2015 BANK DINAR
» Share Ownership Case Laporan Tahunan 2015 BANK DINAR
» LAPORAN PENILAIAN SENDIRI Laporan Tahunan 2015 BANK DINAR
» TANGGUNG JAWAB SOSIAL PERUSAHAAN
» CORPORATE SOCIAL RESPONSIBILITY SELF ASSESSMENT OF GCG IMPLEMENTATION 2015
» PENERAPAN MANAJEMEN RISIKO SELF ASSESSMENT OF GCG IMPLEMENTATION 2015
» RISK MANAGEMENT IMPLEMENTATION SELF ASSESSMENT OF GCG IMPLEMENTATION 2015
» RISIKO KREDIT Laporan Tahunan 2015 BANK DINAR
» CREDIT RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO OPERASIONAL Laporan Tahunan 2015 BANK DINAR
» OPERATIONAL RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO LIKUIDITAS Laporan Tahunan 2015 BANK DINAR
» LIQUIDITY RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO PASAR Laporan Tahunan 2015 BANK DINAR
» MARKET RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO KEPATUHAN Laporan Tahunan 2015 BANK DINAR
» COMPLIANCE RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO HUKUM Laporan Tahunan 2015 BANK DINAR
» LEGAL RISK Laporan Tahunan 2015 BANK DINAR
» RISIKO REPUTASI Laporan Tahunan 2015 BANK DINAR
» REPUTATION RISK Laporan Tahunan 2015 BANK DINAR
» SUMBER DAYA MANUSIA HUMAN RESOURCES
» TINGKAT KESEHATAN BANK BANK SOUNDNESS RATING
» INFORMASI UMUM GENERAL INFORMATION
» INFORMASI UMUM lanjutan GENERAL INFORMATION continued
» Penawaran Umum Efek Perusahaan Public Offering Shares
» Komite Audit Audit Committee
» Komite Remunerasi dan Nominasi Remuneration and Nomination Committee
» Komite Pemantau Resiko Risk Control Committe
» Sekretaris Perusahaan Corporate Secretary
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Basis of Preparation continued
» IKHTISAR KEBIJAKAN AKUNTANSI PENTING lanjutan
» Cash and Equivalent Laporan Tahunan 2015 BANK DINAR
» Placements with Bank Indonesia and Other Banks
» Efek-Efek Marketable Securities Laporan Tahunan 2015 BANK DINAR
» Allowance for impairment losses financial assets continued
» Property, Plant and Equipment continued
» Biaya dibayar dimuka Prepaid expense
» Liabilitas Segera Liabilities due Immediately
» Simpanan dari Nasabah Deposits from Customers
» Interest income and expenses
» Restructuring Troubled Loan Laporan Tahunan 2015 BANK DINAR
» Pajak penghasilan badan Corporate income tax
» Segmen information continued Laporan Tahunan 2015 BANK DINAR
» Program imbalan kerja Employee benefit plan
» PENGGUNAAN ESTIMASI DAN PERTIMBANGAN AKUNTANSI YANG PENTING
» CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS
» PENGGUNAAN ESTIMASI DAN PERTIMBANGAN AKUNTANSI YANG PENTING lanjutan
» CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS continued
» KAS CASH Related Parties Transactions
» GIRO PADA BANK LAIN CURRENT ACCOUNT WITH OTHER BANK
» Berdasarkan kolektibiltas Laporan Tahunan 2015 BANK DINAR
» By collectibility Berdasarkan mata uang By currency Berdasarkan pihak
» By relationship Laporan Tahunan 2015 BANK DINAR
» Cadangan kerugian penurunan nilai
» Allowance for impairment losses
» Suku bunga efektif rata-rata
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN
» PLACEMENT WITH BANK INDONESIA AND OTHER BANKS
» By collectibility Laporan Tahunan 2015 BANK DINAR
» Berdasarkan jenis dan mata uang
» Berdasarkan jatuh tempo Laporan Tahunan 2015 BANK DINAR
» Berdasarkan pihak Laporan Tahunan 2015 BANK DINAR
» By party Laporan Tahunan 2015 BANK DINAR
» PENEMPATAN PADA BANK INDONESIA DAN BANK LAIN lanjutan
» PLACEMENT WITH BANK INDONESIA AND OTHER BANKS continued
» Cadangan kerugian penurunan nilai Suku bunga efektif rata-rata
» EFEK-EFEK MARKETABLE SECURITIES The average effective interest rate
» Berdasarkan kolektibikitas Laporan Tahunan 2015 BANK DINAR
» EFEK-EFEK lanjutan MARKETABLE SECURITIES continued
» Berdasarkan penerbit Laporan Tahunan 2015 BANK DINAR
» By issuers Laporan Tahunan 2015 BANK DINAR
» Suku bunga efektif Laporan Tahunan 2015 BANK DINAR
» PINJAMAN YANG DIBERIKAN LOANS
» PINJAMAN YANG DIBERIKAN lanjutan LOANS continued
» Berdasarkan sektor ekonomi Laporan Tahunan 2015 BANK DINAR
» By economic sector Laporan Tahunan 2015 BANK DINAR
» Berdasarkan kolektabilitas Laporan Tahunan 2015 BANK DINAR
» By collectibilty Laporan Tahunan 2015 BANK DINAR
» Pinjaman bermasalah berdasarkan sektor ekonomi
» Berdasarkan periode perjanjian pinjaman
» Based on the period of the loan agreement
» Berdasarkan sisa jatuh tempo
» Based on remaining period until maturity
» Suku bunga Laporan Tahunan 2015 BANK DINAR
» Interest rate Laporan Tahunan 2015 BANK DINAR
» Agunan pinjaman Laporan Tahunan 2015 BANK DINAR
» Collateral loans Laporan Tahunan 2015 BANK DINAR
» Pinjaman sindikasi Laporan Tahunan 2015 BANK DINAR
» Pinjaman karyawan Laporan Tahunan 2015 BANK DINAR
» Employee loans Laporan Tahunan 2015 BANK DINAR
» Pinjaman kepada pihak berelasi Related parties loan
» Pinjaman yang diberikan yang direstrukturisasi
» Restructured loans Laporan Tahunan 2015 BANK DINAR
» Pinjaman yang diberikan yang dihapusbukukan
» Batas Maksimum Pemberian Kredit BMPK
» Rasio pinjaman bermasalah terhadap total pinjaman
» ASET TETAP PROPERTY, PLANT AND EQUIPMENT
» ASET TETAP lanjutan PROPERTY, PLANT AND EQUIPMENT continued
» SIMPANAN NASABAH DEPOSITS FROM CUSTOMERS
» Simpanan yang diblokir dan dijadikan jaminan atas
» SIMPANAN NASABAH lanjutan DEPOSITS FROM CUSTOMERS continued
» Berdasarkan hubungan dan mata uang
» Based on relationship and currencies
» SIMPANAN DARI BANK LAIN DEPOSITS FROM OTHER BANKS
» Berdasarkan pihak dan mata uang
» Based on relationship and currency
» SIMPANAN DARI BANK LAIN lanjutan DEPOSITS FROM OTHER BANKS continued
» ESTIMASI KERUGIAN KOMITMEN DAN KONTIJENSI ESTIMATED LOSSES COMMITMENTS AND
» Cadangan kerugian Laporan Tahunan 2015 BANK DINAR
» Berdasarkan kolektibilitas Laporan Tahunan 2015 BANK DINAR
» PERPAJAKAN TAXATION Based on collectibility
» Hutang pajak Laporan Tahunan 2015 BANK DINAR
» PERPAJAKAN lanjutan TAXATION continued
» Hutang pajak lanjutan Laporan Tahunan 2015 BANK DINAR
» Asetliabilitas pajak tangguhan Laporan Tahunan 2015 BANK DINAR
» LIABILITAS IMBALAN KERJA POST EMLPOYEMENT BENEFIT OBLIGATION
» LIABILITAS IMBALAN KERJA lanjutan EMPLOYEES BENEFIT LIABILITIES continued
» PENDAPATAN DITERIMA DIMUKA UNEARNED INCOME
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» CADANGAN WAJIB MANDATORY RESERVES
» TAMBAHAN MODAL DISETOR ADDITIONAL PAID-IN CAPITAL
» OTHER EQUITY COMPONENTS 2015 Deferred tax assetliabilities
» PENDAPATAN BUNGA INTEREST REVENUE
» BEBAN BUNGA INTEREST EXPENSE
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» BEBAN GAJI DAN TUNJANGAN SALARIES AND WAGES EXPENSE
» BEBAN UMUM DAN ADMINISTRASI GENERAL AND ADMINISTRATIVE EXPENSES
» PEMBENTUKANCADANGAN KERUGIAN PENURUNAN NILAI
» ALLOWANCE FOR IMPAIRMENT LOSSES 2015
» PENDAPATANBEBAN BUKAN OPERASIONAL INCOMEEXPENSES NON-OPERATIONAL
» LABA PER LEMBAR SAHAM EARNING PER SHARES
» COMMITMENTS AND CONTINGENCIES 2015 Deferred tax assetliabilities
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI RELATED PARTIES TRANSACTIONS
» TRANSAKSI DENGAN PIHAK-PIHAK BERELASI lanjutan RELATED PARTIES TRANSACTIONS Continued
» Pinjaman yang diberikan Loans Simpanan nasabah
» Costumer Saving Laporan Tahunan 2015 BANK DINAR
» Pendapatan bunga Laporan Tahunan 2015 BANK DINAR
» Interest revenue Laporan Tahunan 2015 BANK DINAR
» Beban bunga Laporan Tahunan 2015 BANK DINAR
» Interest Expense Laporan Tahunan 2015 BANK DINAR
» Kompensasi yang diberikan kepada direksi dan komisaris
» SEGMEN OPERASI SEGMENT OPERATION
» JAMINAN PEMERINTAH TERHADAP KEWAJIBAN PEMBAYARAN UMUM
» GOVERNMENT GUARANTEE ON OBLIGATIONS OF COMMERCIAL BANKS
» NILAI WAJAR INSTRUMEN KEUANGAN FAIR VALUE OF FINANCIAL STATEMENTS
» NILAI WAJAR INSTRUMEN KEUANGAN Lanjutan FAIR VALUE OF FINANCIAL STATEMENTS Continued
» Simpanan dari nasabah dan simpanan dari bank lain, dan liabilitas lain-lain
» MANAJEMEN RISIKO KEUANGAN FINANCIAL RISK MANAGEMENT
» MANAJEMEN RISIKO KEUANGAN Lanjutan FINANCIAL RISK MANAGEMENT Continued
» Risiko kredit lanjutan Laporan Tahunan 2015 BANK DINAR
» Risiko kredit lanjutan Credit risk continued
» Risiko pasar lanjutan Market risk continued
» Risiko likuiditas Liquidity risk
» Risiko likuiditas lanjutan Laporan Tahunan 2015 BANK DINAR
» Risiko operasional Operational risk
» Risiko strategis Strategics risk
» Risiko reputasi Reputation risk
» PENILAIAN KEMBALI ASET TETAP REVALUATION OF PROPERTY, PLANT AND EQUIPMENT
» PENILAIAN KEMBALI ASET TETAP lanjutan REVALUATION OF PROPERTY, PLANT AND EQUIPMENT
» PERKARA HUKUM LAWSUIT Manajemen risiko permodalan lanjutan Capital risk management continued
» PERKARA HUKUM lanjutan LAWSUIT continued
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