Indonesian language.
PT BANK RAKYAT INDONESIA AGRONIAGA Tbk CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2014 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain
PT BANK RAKYAT INDONESIA AGRONIAGA Tbk NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2014 and for the Year Then Ended
Expressed in thousands of Rupiah, unless otherwise stated
133
33. INFORMASI MENGENAI
KOMITMEN DAN
KONTINJENSI 33. INFORMATION
ON COMMITMENTS
AND CONTINGENCIES
31 Desember 31 Desember
December 31, 2014 December 31, 2013
Komitmen Commitments
Liabilitas komitmen Commitment liabilities
Rupiah Rupiah
Fasilitas kredit yang diberikan kepada debitur yang belum digunakan
1.279.880.769 677.011.276
Unused loan facilities LC yang tidak dapat dibatalkan yang
masih berjalan dalam rangka impor 7.953.648
21.014.000 Irrevocable letters of credit 1.287.834.417
698.025.276 Mata uang asing
Foreign currencies Fasilitas kredit yang diberikan kepada
debitur yang belum digunakan 63.112.999
13.824.156 Unused loan facilities
LC yang tidak dapat dibatalkan yang masih berjalan dalam rangka impor
18.873.873 58.829.511 Irrevocable letters of credit
81.986.872 72.653.667
Komitmen - neto 1.369.821.289
770.678.943 Commitments - net
Kontinjensi Contingencies
Liabilitas kontinjensi Contingent liabilities
Rupiah Rupiah
Garansi bank yang diterbitkan 68.234.988
43.801.358 Guarantees issued
Mata uang asing Foreign currencies
Garansi bank yang diterbitkan 9.289.736
14.127.629 Guarantees issued
Kontinjensi - neto 77.524.724
57.928.987 Contingencies - net
Komitmen dan kontinjensi dalam mata uang asing terdiri dari Dolar Amerika Serikat dan Euro Eropa.
Commitments and contingencies in foreign currencies are denominated in United States
Dollar and European Euro.
Pada tanggal-tanggal 31 Desember 2014 dan 2013, kolektibilitas komitmen dan kontinjensi pada
rekening administratif yang mempunyai risiko kredit adalah Lancar. Transaksi kepada pihak berelasi
disajikan pada Catatan 30. As of December 31, 2014 and 2013, the
collectibility of commitments and contingencies with credit risks on administrative accounts is
Current. Transactions with related parties is presented in Note 30.
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai tidak diperlukan pada
tanggal-tanggal 31 Desember 2014 dan 2013, karena manajemen berkeyakinan bahwa komitmen
dan kontinjensi dapat tertagih. Management believes that the allowance for
impairment losses is not necessary as of December
31, 2014
and 2013,
because management believes that commitments and
contingencies are fully collectible.
Indonesian language.
PT BANK RAKYAT INDONESIA AGRONIAGA Tbk CATATAN ATAS LAPORAN KEUANGAN
Tanggal 31 Desember 2014 dan untuk Tahun yang Berakhir pada Tanggal Tersebut
Disajikan dalam ribuan Rupiah, kecuali dinyatakan lain
PT BANK RAKYAT INDONESIA AGRONIAGA Tbk NOTES TO THE FINANCIAL STATEMENTS
As of December 31, 2014 and for the Year Then Ended
Expressed in thousands of Rupiah, unless otherwise stated
134
34. INFORMASI SEGMEN 34. SEGMENT INFORMATION
Berikut ini adalah informasi segmen Bank berdasarkan segmen operasi:
Information concerning the operating segments of the Bank are as follows:
Tanggal 31 Desember 2014 dan untuk Tahun yang Berakhir pada tanggal tersebut As of December 31, 2014 and for the Year Then Ended
Kemitraan Ritel
Menengah Lainnya
Keterangan Linkage
Retail Middle
Others Total
Description
Pendapatan bunga - neto 65.112.117
43.563.329 116.968.326
33.548.437 259.192.209
Interest income - net Pendapatan operasi
Other operating lainnya
6.476.072 2.298.432
8.542.707 22.572.669
39.889.880 income
Total pendapatan 71.588.189
45.861.761 125.511.033
56.121.106 299.082.089
Total income Other operating
Beban operasi lainnya 27.148.773
20.278.599 83.891.011
46.915.665 178.234.048
expenses Penyisihan
Allowance kerugian penurunan
for impairment nilai
15.076.993 13.515.367
11.269.976 -
39.862.336 losses
Total beban 42.225.766
33.793.966 95.160.987
46.915.665 218.096.384
Total expenses Pendapatan
Non operating income non-operasional - neto
665.329 496.964
2.055.899 1.149.752
4.367.944 - net
Laba sebelum beban Income before income
pajak penghasilan 30.027.752
12.564.759 32.405.945
10.355.193 85.353.649
tax expense Beban pajak
Income tax penghasilan - neto
8.215.517 3.437.686
8.866.185 2.833.155
23.352.543 expense - net
Laba tahun berjalan 21.812.235
9.127.073 23.539.760
7.522.038 62.001.106
lncome for the year Aset Segmen
Segment of Assets
Kredit 949.708.713
709.378.715 2.934.588.536
- 4.593.675.964
Loans Non kredit
22.889.493 17.097.157
70.786.570 1.680.742.300
1.791.515.520 Non loans
972.598.206 726.475.872
3.005.375.106 1.680.742.300
6.385.191.484 Liabilitas Segmen
Segment of Liabilities
Pendanaan 1.137.093.332
462.964.816 3.223.053.199
383.142.119 5.206.253.466
Funding Non pendanaan
15.050.985 11.242.235
46.507.363 202.115.842
274.916.425 Non funding
1.152.144.317 474.207.051
3.269.560.562 585.257.961
5.481.169.891 Tanggal 31 Desember 2013 dan untuk Tahun yang Berakhir pada tanggal tersebut
As of December 31, 2013 and for the Year Then Ended Kemitraan
Ritel Menengah
Lainnya Keterangan
Linkage Retail
Middle Others
Total Description
Pendapatan bunga - neto 69.406.294
26.932.064 115.071.146
13.731.839 225.141.343
Interest income - net Pendapatan operasi
Other operating lainnya
5.597.387 4.433.804
9.525.268 31.135.223
50.691.682 income
Total pendapatan 75.003.681
31.365.868 124.596.414
44.867.062 275.833.025
Total income Other operating
Beban operasi lainnya 29.327.801
14.302.445 93.336.352
43.106.311 180.072.909
expenses Penyisihan
Allowance kerugian penurunan
for impairment nilai
13.235.122 2.828.036
13.129.389 -
29.192.547 losses
Total beban 42.562.923
17.130.481 106.465.741
43.106.311 209.265.456
Total expenses Pendapatan
Non operating income non-operasional - neto
817.859 398.850
2.602.855 1.202.098
5.021.662 - net
Laba sebelum beban Income before income
pajak penghasilan 33.258.617
14.634.237 20.733.528
2.962.849 71.589.231
tax expense Beban pajak
Income tax penghasilan - neto
8.896.403 3.914.537
5.546.046 792.537
19.149.523 expense - net
Laba tahun berjalan 24.362.214
10.719.700 15.187.482
2.170.312 52.439.708
lncome for the year Aset Segmen
Segment of Assets
Kredit 770.725.349
374.892.257 2.453.638.106
- 3.599.255.712
Loans Non kredit
63.813.254 31.120.149
203.263.942 1.226.616.958
1.524.814.303 Non loans
834.538.603 406.012.406
2.656.902.048 1.226.616.958
5.124.070.015 Liabilitas Segmen
Segment of Liabilities
Pendanaan 1.434.905.136
347.304.484 1.717.449.589
620.594.624 4.120.253.833
Funding Non pendanaan
11.979.510 5.842.111
38.122.198 110.965.850
166.909.669 Non funding
1.446.884.646 353.146.595
1.755.571.787 731.560.474
4.287.163.502
