Ikhtisar kredit bermasalah berdasarkan
f. Ikhtisar kredit bermasalah berdasarkan
sektor ekonomi f. Non-performing loans by economic sector September 30, 2012 31 Desember 2011 September 30, 2012 December 31, 2011 Penyisihan Penyisihan kerugian kerugian Kredit penurunan Kredit penurunan bermasalah nilai bermasalah nilai Non - Allowance Non - Allowance performing for impairment performing for impairment loans losses loans losses Rupiah Rupiah Perdagangan 222.163 153.126 126.118 80.986 Trading Konstruksi 66.871 50.700 66.840 36.224 Construction Industri 59.340 40.056 52.059 34.966 Industry Jasa dunia usaha 33.658 26.956 24.728 22.157 Business services Pertanian 103.793 76.927 11.156 4.965 Agriculture Jasa-jasa sosial 54 27 4.600 1.711 Social services Pengangkutan dan Transportation and pergudangan 2.937 2.650 3.852 2.824 warehousing Pertambangan 7.596 3.880 2.118 1.843 Mining Listrik, gas dan air 77 76 - - Electricity, gas and water Lain-lain 60.550 30.017 35.249 30.322 Others 557.039 384.415 326.720 215.998 Rasio kredit bermasalah - kotor terhadap total kredit entitas induk adalah 1,70 dan 1,21 masing-masing untuk 30 September 2012 dan 31 Desember 2011. Non-performing loan ratio - gross to total loan parent only was 1.70 and 1.21 As of September 30, 2012 and December 31, 2011 respectively. Rasio kredit bermasalah - bersih terhadap total kredit entitas induk adalah 0,53 dan 0,41 masing-masing untuk 30 September 2012 dan 31 Desember 2011. Non-performing loan ratio - net to total loan parent only was 0.53 and 0.41 As of September 30, 2012 and December 31, 2011 respectively. Rasio kredit bermasalah - kotor terhadap total kredit dan pembiayaan syariah konsolidasi adalah 1,91 dan 1,22 masing-masing untuk 30 September 2012 dan 31 Desember 2011. Non-performing loan ratio - gross to total loan and sharia financing consolidated was 1.91 and 1.22 As of September 30, 2012 and December 31, 2011 respectively. Rasio kredit bermasalah - bersih terhadap total kredit dan pembiayaan syariah konsolidasi adalah 0,72 dan 0,41 masing-masing untuk 30 September 2012 dan 31 Desember 2011. Non-performing loan ratio - net to total loan and sharia financing consolidated was 0.72 and 0.41 As of September 30, 2012 and December 31, 2011 respectively. g. Kredit yang direstrukturisasi g. Restructured loansParts
» Financial Statement September 30 3Q 2012 Full Version
» Pendirian dan informasi umum Bank Establishment and general information
» Maksud dan tujuan Purpose and objectives
» Jaringan kantor lanjutan Office network continued Manajemen eksekutif Executive management
» Manajemen eksekutif lanjutan Executive management continued
» Penawaran umum obligasi lanjutan Public offering of bonds continued
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES
» Dasar penyusunan SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES continued
» Prinsip konsolidasi lanjutan Principles of consolidation 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
» Surat berharga lanjutan Marketable securities continued
» Instrumen keuangan derivatif lanjutan Derivative
» Kredit yang diberikan lanjutan Loans continued Pembiayaan syariah Sharia financing
» Identifikasi dan pengukuran penurunan
» Penyertaan Saham Investments in Shares
» Aset tetap lanjutan Fixed assets continued
» Simpanan nasabah, Simpanan nasabah syariah
» Pendapatan dan beban bunga lanjutan Interest income and expense continued Pendapatan provisi
» Perpajakan Taxation Imbalan kerja Employee benefits
» Imbalan kerja lanjutan Employee benefits continued
» KAS CASH GIRO PADA BANK INDONESIA CURRENT
» GIRO PADA BANK INDONESIA lanjutan CURRENT
» Berdasarkan jenis dan mata uang Berdasarkan penerbit By issuer
» Berdasarkan penerbit lanjutan By issuer continued Berdasarkan jatuh tempo By maturity
» Berdasarkan Berdasarkan sektor ekonomi By economic sector
» Berdasarkan sektor ekonomi lanjutan By economic sector continued Berdasarkan jatuh tempo
» Ikhtisar kredit bermasalah berdasarkan
» Informasi pokok lainnya sehubungan
» Informasi pokok lainnya sehubungan Other significant information relating to loans continued
» Berdasarkan sektor ekonomi By economic sector
» EFEK-EFEK YANG DIBELI DENGAN JANJI DIJUAL KEMBALI lanjutan MARKETABLE SECURITIES
» ASET TETAP FIXED ASSETS ASET TETAP lanjutan FIXED ASSETS continued
» By type and currency Deposits from customers
» Obligasi VII Bank BJB Bank BJB Bonds VII
» Obligasi VII Bank BJB lanjutan Bank BJB Bonds VII continued
» 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
» LIABILITAS SEGERA OBLIGATIONS DUE IMMEDIATELY PINJAMAN YANG DITERIMA BORROWINGS
» PINJAMAN YANG DITERIMA lanjutan BORROWINGS continued
» Manfaat beban pajak Tax benefit expense
» Manfaat beban pajak lanjutan Tax benefit expense continued
» Aset pajak tangguhan Deffered tax assets
» LIABILITAS LAIN-LAIN OTHER LIABILITIES MODAL SAHAM SHARE CAPITAL
» MODAL SAHAM lanjutan SHARE CAPITAL continued
» AGIO SAHAM PREMIUM ON SHARE CAPITAL APPROPRIATION OF NET INCOME
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES ASET KEUANGAN
» ASET KEUANGAN Financial Statement September 30 3Q 2012 Full Version
» ASET KEUANGAN 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
» INFORMASI SEGMEN USAHA lanjutan SEGMENT INFORMATION continued
» RISIKO KREDIT lanjutan CREDIT RISK continued
» RISIKO KREDIT lanjutan CREDIT RISK continued RISIKO NILAI TUKAR CURRENCY RISK
» RISIKO NILAI TUKAR lanjutan CURRENCY 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
» RISIKO OPERASIONAL lanjutan OPERATIONAL RISK continued RASIO LIABILITAS
» Jasa Bank Pengumpulan Tol Collection of toll charges
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