PENGGUNAAN LABA BERSIH APPROPRIATION OF NET INCOME
39. GENERAL AND ADMINISTRATIVE EXPENSES 2012
2011 2010 Barang dan jasa 53,134 53,454 34,520 Goods and services Promosi 21,458 17,231 14,615 Promotion Komisi dan provisi 19,675 17,947 17,016 Commission and provision Sewa 19,016 17,302 11,940 Rent Asuransi 10,523 7,885 5,820 Insurance Penyusutan aset tetap Fixed asset Depreciation lihat Catatan 13 9,704 7,733 7,296 see Note 13 Pemeliharaan dan perbaikan 7,554 7,641 5,504 Repair and maintenance Penerimaan karyawan 3,160 3,460 1,912 Employees recruitment Lain-lain 10,203 6,791 6,993 Others 154,427 139,444 105,616 Lihat Catatan 42 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 42 for detailed balances and transactions with related parties. 40. BEBAN TENAGA KERJA 40. PERSONNEL EXPENSES 2012 2011 2010 Gaji dan upah 64,745 40,709 32,725 Salaries and wages Tunjangan lainnya 21,607 15,529 12,734 Other fringe benefits Penyisihan imbalan kerja karyawan Allowance for employee lihat Catatan 25 14,574 13,698 6,324 benefits see Note 2 Bonus 9,015 7,500 5,884 Bonus Pendidikan dan pelatihan 8,882 4,931 4,314 Training and education Tunjangan pajak 7,213 5,846 4,597 Tax allowance Remuneration for the Board Honor komisaris 1,520 1,626 1,144 of Commissioners Beban kompensasi berbasis saham - 1,023 1,789 Share based compensation expense Lainnya 3,134 3,456 2,500 Others 130,690 94,318 72,011 Jumlah gaji dan tunjangan Dewan Komisaris dan Komite Audit dan Dewan Direksi adalah sebagai berikut: The total salaries and allowances paid to the Board of Commissioners and Audit Committee and Board of Directors are as follows: 2012 2011 2010 Dewan Komisaris Board of Commissioner dan Komite Audit 2,106 2,237 1,470 and Audit Committee Dewan Direksi 7,249 6,201 5,060 Board of Directors Dewan Komisaris, Komite Audit dan Dewan Direksi merupakan personil manajemen kunci Bank. Board of Commissioners, Audit Committee and Directors are key management personnel of the Bank. Lihat Catatan 42 untuk rincian saldo dan transaksi dengan pihak berelasi. Refer to Note 42 for detailed balances and transactions with related parties. ×Ø Ù Ú Û Ü ÝÞß ×àÛ Ú Û á Úà â Ú ã Ú ä å æ ç Ø ÙÜ CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010 Dalam jutaan Rupiah, kecuali dinyatakan lain NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010 Expressed in million Rupiah, unless otherwise stated Lampiran – 595 – Schedule 41. PENDAPATANBEBAN NON-OPERASIONAL41. NON OPERATING INCOMEEXPENSES 2012
2011 2010 Gainloss on foreign Labarugi selisih kurs 4,739 96 1,281 exchange rate Pendapatan sewa 176 78 109 Rent income Pendapatan dividen 36 11 35 Dividend income Denda 88 135 49 Penalties Beban lainnya - bersih 2,333 1,580 1,119 Other expenses - net 2,530 1,530 2,305 42. TRANSAKSI DENGAN PIHAK–PIHAK BERELASI42. RELATED PARTIES TRANSACTIONS
Dalam menjalankan kegiatan usahanya, Bank melakukan transaksi-transaksi dengan pihak-pihak berelasi. In the normal course of business, the Bank entered into certain transactions with related parties. Sifat hubungan berelasi Nature of relationship Pihak-pihak berelasi adalah perusahaan dan perorangan yang mempunyai keterkaitan kepemilikan atau kepengurusan secara langsung maupun tidak langsung dengan Bank sebagaimana diungkapkan pada Catatan 2ab. Related parties are companies and individuals who directly or indirectly have relationships with the Bank through ownership or management as disclosed in Note 2ab. Berikut ini adalah pihak-pihak berelasi Bank, sifat hubungan dan sifat dari transaksi: The related parties, nature of relationship and nature of transactions are described as follows: Pihak berelasi Related parties Sifat dari hubungan Nature of relationship Sifat dari transaksi Nature of transaction PT Medco Intidinamika Pemegang saham utama BankThe Bank’s majority shareholder Sewa bangunan; Simpanan dari nasabahRent of buildings; Deposits from customer PT Medco Duta, PT Metra Duta Lestari, PT Usaha Tani Sejahtera, Medco Foundation Dimiliki oleh pemegang saham pengendali yang samaOwned by the same controlling shareholder Pinjaman yang diberikanLoans PT Medco EP Indonesia, PT Medco Energi Internasional Tbk, PT Multifabrino Gemilang, PT Medco Energi Mining Int, PT Medco EP Rimau, PT Medco EP Sembakung, PT Api Metra Graha, PT Medco EP Kalimantan, PT Medco Methanol Bunyu, PT Antareja Resources Dimiliki oleh pemegang saham pengendali yang samaOwned by the same controlling shareholder Simpanan dari nasabahDeposits from customer Darwin Cyril Noerhadi Komisaris Grup MedcoMedco Group’s Commissioner Pinjaman yang diberikanLoans KSU Mitra Saudara Dikelola oleh karyawan kunciControlled by key management Sewa kendaraanRent of cars Yani Yuhani Panigoro Keluarga pemegang saham utamaFamily of the Bank’s majority shareholders Pinjaman yang diberikanLoans Raisis Panigoro Keluarga pemegang saham utamaFamily of the Bank’s majority shareholders Simpanan dari nasabahDeposits from customer Dewan Komisaris, Dewan Direksi dan Pejabat Eksekutif BankBoard of Commissioners, Directors and Executive Bank Officers Manajemen BankBank’s management Pinjaman yang diberikan; Simpanan dari nasabah Loans; Deposits from customerParts
» LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» Establishment and general information
» Penawaran umum saham dan penerbitan obligasi Bank
» Public offering of the Bank’s shares and issudance of bonds
» GENERAL INFORMATION continued b. Penawaran umum saham dan penerbitan
» GENERAL INFORMATION continued c. Dewan Komisaris, Direksi, Komite Audit,
» KEBIJAKAN AKUNTANSI ACCOUNTING POLICIES
» Basis of preparation of the financial statements
» Basis of preparation of the financial statements continued
» Perubahan kebijakan akuntansi yang signifikan
» Changes in significant accounting policies Standar akuntansi yang baru
» ACCOUNTING POLICIES continued b. Perubahan kebijakan akuntansi yang
» Financial instruments i Aset keuangan
» Financial instruments continued i Aset keuangan lanjutan
» Financial instruments continued ii Liabilitas keuangan
» Financial instruments continued ii Liabilitas keuangan lanjutan
» Financial instruments continued iii Penentuan nilai wajar lanjutan
» Financial instruments continued iv Penghentian pengakuan
» Classification of financial assets and liabilities
» Classification of financial assets and liabilities continued
» Reklasifikasi aset keuangan Reclassification of financial assets
» Reclassification of financial assets
» Penurunan nilai dari aset keuangan Impairment of financial assets
» Impairment of financial assets continued
» Penjabaran mata uang asing Foreign currency translation
» Foreign currency translation continued
» Kas Cash ACCOUNTING POLICIES continued g. Penjabaran mata uang asing lanjutan
» Giro pada Bank Indonesia dan bank lain Current accounts with Bank Indonesia and
» Current accounts with Bank Indonesia and other banks continued
» Penempatan pada Bank Indonesia dan bank lain
» Placement with Bank Indonesia and other banks
» Efek-efek dan Obligasi Pemerintah Marketable Securities and Government
» Marketable Securities and Government Bonds continued
» Efek-efek yang dibeli dengan janji untuk dijual kembali
» Securities purchased ACCOUNTING POLICIES continued k. Efek-efek dan Obligasi Pemerintah lanjutan
» Pinjaman yang diberikan Loans
» Loans continued ACCOUNTING POLICIES continued m. Pinjaman yang diberikan lanjutan
» Tagihan dan liabilitas akseptasi Acceptances receivable and payable
» Penyertaan saham Investments in shares
» Fixed assets ACCOUNTING POLICIES continued p. Aset tetap
» Foreclosed assets ACCOUNTING POLICIES continued q. Agunan yang diambil alih
» Beban dibayar dimuka dan Aset lain-lain Prepayments and Other assets
» Liabilitas segera Obligations due immediately
» Obligations due immediately continued
» Simpanan dari nasabah Deposits from customers
» Simpanan dari bank lain Deposits from other banks
» Efek - efek yang diterbitkan
» Marketable securities issued ACCOUNTING POLICIES continued s. Liabilitas segera lanjutan
» Pinjaman yang diterima Borrowings
» Perpajakan Taxation ACCOUNTING POLICIES continued v.
» Post employee benefits obligations
» Post employee ACCOUNTING POLICIES continued y. Liabilitas imbalan pasca-kerja lanjutan
» Obligasi subordinasi Subordinated bonds
» ACCOUNTING POLICIES continued aa. Pendapatan dan beban bunga lanjutan
» involves with business activities to
» operations result is observed regularly by
» separate financial information is available.
» ACCOUNTING POLICIES continued af. Laba per saham lanjutan
» PENGGUNAAN ESTIMASI DAN PERTIMBANGAN AKUNTANSI YANG PENTING
» USE OF CRITICAL ACCOUNTING ESTIMATES AND JUDGEMENTS
» CASH 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» GIRO PADA BANK INDONESIA CURRENT ACCOUNTS WITH BANK INDONESIA
» By currency and bank’s name 2012
» Berdasarkan kolektibilitas By collectibility
» Cadangan kerugian penurunan nilai Allowance for impairment losses
» Informasi mengenai jatuh tempo diungkapkan
» Information with respect to maturities is disclosed
» Berdasarkan tujuan, jenis dan mata uang By purpose, type and currency
» By purpose, type and currency continued 2012
» Berdasarkan tujuan, mata uang dan penerbit By purpose, currency and issuer
» Berdasarkan kolektibilitas Based on collectibility
» Allowance for impairment losses
» Informasi mengenai jatuh tempo dan tingkat suku
» Information with respect to maturities and
» Informasi pokok lainnya sehubungan dengan efek-efek
» Other significant information relating to marketable securities
» Securities purchased under resale agreement
» LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas
» By economic sector LOANS continued b. Berdasarkan sektor ekonomi
» By economic sector continued
» Kredit kepada pihak berelasi dan pihak ketiga By related and third parties
» By related and third parties continued
» Tingkat suku bunga rata-rata per tahun Average annual interest rate
» Allowance for impairment losses continued 2012
» Pinjaman yang LOANS continued f. Cadangan kerugian penurunan nilai lanjutan
» Legal lending limit LOANS continued h. Batas Maksimum Pemberian Kredit
» Jaminan Collateral LOANS continued h. Batas Maksimum Pemberian Kredit
» Informasi mengenai tingkat suku bunga dan jatuh
» Information in respect of interest rates and
» Berdasarkan mata uang By currencies
» Berdasarkan transaksi dengan pihak berelasi dan pihak ketiga
» By transactions with related party and third party
» FIXED ASSETS 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» FIXED ASSETS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» FIXED ASSETS continued ASET YANG DIAMBIL ALIH FORECLOSED ASSETS
» ACCRUED INCOME 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» PREPAYMENTS 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» Simpanan dari nasabah dari pihak berelasi
» Customer deposits from related parties are
» Informasi mengenai jatuh tempo dan tingkat
» Berdasarkan jenis dan mata uang By type and currency
» Pada tanggal 31 Desember 2012, 2011 dan
» As at 31 December 2012, 2011 and 2010, there
» By type 2012 DERIVATIVE PAYABLE a. Berdasarkan jenis
» Pada tanggal 31 Desember 2012, tidak terdapat
» As at 31 December 2012, there are no
» Information with respect to maturities are
» MARKETABLE SECURITIES ISSUED 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» MARKETABLE SECURITIES ISSUED continued Obligasi Bank Saudara I lanjutan
» MARKETABLE SECURITIES ISSUED continued Obligasi Bank Saudara II lanjutan
» Tax liabilities 2012 TAXATION a. Utang pajak
» Pajak penghasilan badan Corporate income tax
» Corporate income tax continued 2012
» Deferred tax TAXATION continued c. Pajak tangguhan
» Deferred tax continued TAXATION continued c. Pajak tangguhan lanjutan
» Administrasi Administration TAXATION continued c. Pajak tangguhan lanjutan
» LIABILITAS IMBALAN KERJA EMPLOYEE BENEFIT LIABILITIES
» LIABILITAS IMBALAN PASCA-KERJA KARYAWAN
» Jumlah yang diakui pada laporan laba rugi The amounts recognised in the profit or
» Mutasi nilai kini liabilitas Movements in the present value of
» Movement in the fair value of plan assets 2012
» Mutasi liabilitas yang diakui pada laporan posisi keuangan
» Movements in the liability recognised in the statements of financial position
» Nilai kini liabilitas yang didanai nilai wajar aset program dan defisit untuk lima tahun
» LIABILITAS LAIN-LAIN OTHER LIABILITIES
» SUBORDINATED BONDS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» MODAL SAHAM DAN TAMBAHAN MODAL DISETOR – BERSIH
» SHARE CAPITAL AND ADDITIONAL PAID IN CAPITAL - NET
» PROGRAM OPSI KARYAWAN DAN MANAJEMEN BERBASIS SAHAM ESOPMSOP
» EMPLOYEE AND MANAGEMENT STOCK OPTION PLAN ESOPMSOP
» PENGGUNAAN LABA BERSIH APPROPRIATION OF NET INCOME
» BASIC AND DILUTIVE EARNING PER SHARE
» PENDAPATAN BUNGA INTEREST INCOME
» INTEREST EXPENSES 2012 LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» PENDAPATAN OPERASIONAL LAINNYA OTHER OPERATING INCOME
» ALLOWANCEREVERSAL FOR IMPAIRMENT LOSSES OF FINANCIAL ASSETS
» GENERAL AND ADMINISTRATIVE EXPENSES 2012
» BEBAN TENAGA KERJA PERSONNEL EXPENSES
» NON OPERATING INCOMEEXPENSES 2012 RELATED PARTIES TRANSACTIONS
» RELATED PARTIES TRANSACTIONS continued Sifat hubungan berelasi lanjutan
» RELATED PARTIES TRANSACTIONS continued
» KOMITMEN DAN KONTINJENSI COMMITMENTS AND CONTINGENCIES
» JASA KUSTODIAN CUSTODIAL SERVICES
» CUSTODIAL SERVICES continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» SEGMEN OPERASI OPERATING SEGMENTS
» OPERATING SEGMENTS continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
» OPERATING SEGMENTS continued Segmen geografis
» MANAJEMEN RISIKO RISK MANAGEMENT
» RISK MANAGEMENT continued LKFS Report PHBS 31 Dec 2012 01 Maret 2013
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