805
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
b. Berdasarkan Jenis Kredit b.
Based on The Type of Credit
KI Biasa KI - Common
KI Kredit Mitra Usaha Kecil KI - Small Business Partner Credit
KI Kredit Mitra Usaha Mikro KI - Micro Business Partner Credit
KI KUK KI - KUK
KI Mikro KI - Micro
KK Biasa KK - Common
KK KPR Bank Sulut KK - KPR Bank Sulut
KK Lainnya Other KK
KMK Biasa KMK - Common
KMK KUK KMK - KUK
KMK Mikro KMK - Micro
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
KMK Rekening Koran Biasa KMK - General Bank Statement
KMK Rekening Koran Kontraktor KMK - Contractor Bank Statement
KMK Agunan Deposito KMK - Deposit Guarantee
KUR Mikro Investasi KUR - Investment Micro
KUR Mikro Modal Kerja KUR - Working Capital Micro
KUR Ritel Investasi KUR - Investment Retail
KUR Ritel Modal Kerja KUR - Working Capital Retail
KK Cash Collateral KK - Cash Collateral
KK Pensiunan PNS KK - Pension of PNS
Kredit Konsumtif Umum General Consumer Credit
KK Pejabat Publik KK - Public Officials
KI KUP KI - KUP
KMK Mikro Sejahtera KMK - Prosperous Micro
KMK Kecil Sejahtera KMK - Prosperous Small
KI Mikro Sejahtera KI - Prosperous Micro
KI Kecil Sejahtera KI - Prosperous Small
KSU Perseorangan Umum KSU - General Individual
KPNS Pra Purnabakti KPNS Pra Purnabakti
KPNS Pra THT KPNS Pra THT
KSU Untuk Tokoh Lembaga KSU for Figure in Institution
KMK Kredit Usaha Pegawai KMK - Employee Business Credit
KI Agunan Deposito KMK Loan for Employee
\
Jumlah kredit yang diberikan Total Loans
Dikurangi : Cadangan Kerugian - Less of Allowance for -
Penurunan Nilai Impairment Loss
Jumlah Kredit yang Diberikan - Bersih Total Loans - Net
KI Biasa KI - Common
KI Kredit Mitra Usaha Kecil KI Credit Small Business Partner
KI Kredit Mitra Usaha Mikro KI Micro Capital Working Credit
KI KUK KI - KUK
KI Mikro KI - Micro
KK Biasa KK - Common
KK KPR Bank Sulut KK - KPR Bank Sulut
KK Lainnya Other KK
KMK Biasa KMK - Common
KMK KUK KMK - KUK
KMK Mikro KMK - Micro
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
KMK Rekening Koran Biasa KMK - General Bank Statement
KMK Rekening Koran Kontraktor KMK - Contractor Bank Statement
KMK Agunan Deposito KMK - Deposit Guarantee
Jumlah dipindahkan Transferred amount
10.844.057.377 -
10.844.057.377 7.985.423.096.850
152.495.775.300 8.137.918.872.150
58.926.986.639 5.187.146.788
64.114.133.427 74.767.157.945
1.431.282.972 76.198.440.917
1.517.384.441 74.580.377
1.591.964.818 -
30.370.142 30.370.142
24.281.428.499 2.444.259.222
26.725.687.721 3.923.455.233
759.370.073 4.682.825.306
738.426.225 242.209.888
980.636.113 238.886.356.288
678.109.964 239.564.466.252
217.333.331 3.316.136
220.649.467 7.412.068.396.822
134.428.383.800 7.546.496.780.622
8.688.707.592 2.036.797.258
10.725.504.850 2.848.557.865
1.797.037.519 4.645.595.384
100.052.986.941 2.724.461.476
102.777.448.417 47.661.861.652
658.449.685 48.320.311.337
31 Desember 2015 December 31, 2015 Tidak Mengalami
Penurunan Nilai Not Impaired
Mengalami Penurunan Nilai
Impaired Jumlah Total
7.400.887.318 46.930.189.019
54.331.076.337 8.694.806.252.184
133.543.036.426 8.828.349.288.610
1.888.407.778 57.381.544
1.945.789.322 8.702.207.139.502
180.473.225.445 8.882.680.364.947
1.500.000.000 -
1.500.000.000 137.000.000
- 137.000.000
10.630.925.864 -
10.630.925.864 1.431.941.588
- 1.431.941.588
159.322.141.552 255.400.571
159.577.542.123 13.828.979.476
758.512.555 14.587.492.031
579.442.041 117.754.048
697.196.089 23.759.196.221
742.370.798 24.501.567.019
1.380.716.203 90.060.100
1.470.776.303 105.758.502.111
2.877.252.032 108.635.754.143
364.849.325 -
364.849.325 233.947.853.022
624.556.055 234.572.409.077
85.159.703.627 506.960.555
85.666.664.182 455.748.174
1.315.027.152 1.770.775.326
2.779.458.946 -
2.779.458.946 146.601.958
736.754.078 883.356.036
1.390.628.651 1.570.073.675
2.960.702.326 13.941.864.166
- 13.941.864.166
31.791.370 80.915.088
112.706.458 89.003.124.317
17.343.699.388 106.346.823.705
119.151.870.228 6.644.694.909
125.796.565.137 1.390.592.676
162.372.469 1.552.965.145
- 29.855.325
29.855.325 24.949.029.150
3.693.701.620 28.642.730.770
10.226.711.252 1.198.429.914
11.425.141.166 544.290.354
227.024.334 771.314.688
208.816.301.885 4.393.344.168
213.209.646.053 105.076.191
2.480.664 107.556.855
7.444.318.478.105 113.637.881.709
7.557.956.359.814 4.838.994.256
1.125.746.840 5.964.741.096
5.930.150.867 2.548.765.836
8.478.916.703 106.332.139.030
19.148.071.978 125.480.211.008
28.164.629.118 584.138.040
28.748.767.158 Kredit yang diberikan berdasarkan jenis kredit yang mengalami penurunan
nilai dan yang tidak mengalami penurunan nilai adalah sebagai berikut: Loans are granted based on the type of credit that may be impaired and not
impaired are as follows:
31 Desember 2016 December 31, 2016 Tidak Mengalami
Penurunan Nilai Not Impaired
Mengalami Penurunan Nilai
Impaired Jumlah Total
806
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
b. Berdasarkan Jenis Kredit b.
Based on The Type of Credit
Jumlah pindahan KMK - Deposit Guarantee
KUR Mikro Investasi KUR - Investment Micro
KUR Mikro Modal Kerja KUR - Working Capital Micro
KUR Ritel Investasi KUR - Investment Retail
KUR Ritel Modal Kerja KUR - Working Capital Retail
KK Cash Collateral KK - Cash Collateral
KK Pensiunan PNS KK - Pension of PNS
Kredit Konsumtif Umum General Consumer Credit
KK Pejabat Publik KK - Public Officials
KI KUP KI - KUP
KMK Mikro Sejahtera KMK - Prosperous Micro
KMK Kecil Sejahtera KMK - Prosperous Small
KI Mikro Sejahtera KI - Prosperous Micro
KI Kecil Sejahtera KI - Prosperous Small
KSU Perseorangan Umum KSU - General Individual
KPNS Pra Purnabakti KPNS Pra Purnabakti
KPNS Pra THT KPNS Pra THT
KSU Untuk Tokoh Lembaga KSU for Figure in Institution
KMK Kredit Usaha Pegawai KMK - Employee Business Credit
Jumlah kredit yang diberikan Total loans
Dikurangi: Cadangan Kerugian - Less of Allowance for -
Penurunan Nilai Impairment Loss
Jumlah Kredit yang Diberikan - Bersih Total Loans - Net
KI Biasa KI - Common
KI Kredit Mitra Usaha Kecil KI Credit Small Business Partner
KI Kredit Mitra Usaha Mikro KI Micro Capital Working Credit
KI KUK KI - KUK
KI Mikro KI - Micro
KK Biasa KK - Common
KK KPR Bank Sulut KK - KPR Bank Sulut
KK Lainnya Other KK
KMK Biasa KMK - Common
KMK KUK KMK - KUK
KMK Mikro KMK - Micro
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
KMK Rekening Koran Biasa KMK - General Bank Statement
KMK Rekening Koran Kontraktor KMK - Contractor Bank Statement
KMK Agunan Deposito KMK - Deposit Guarantee
KUR Mikro Investasi KUR - Investment Micro
KUR Mikro Modal Kerja KUR - Working Capital Micro
KUR Ritel Investasi KUR - Investment Retail
KUR Ritel Modal Kerja KUR - Working Capital Retail
KK Cash Collateral KK - Cash Collateral
KK Pensiunan PNS KK - Pension of PNS
Kredit Konsumtif Umum General Consumer Credit
KK Pejabat Publik KK - Public Officials
KUP KI - KUP
KMK Mikro Sejahtera KMK - Prosperous Micro
KMK Kecil Sejahtera KMK - Prosperous Small
KI Mikro Sejahtera KI - Prosperous Micro
KI Kecil Sejahtera KI - Prosperous Small
Jumlah kredit yang diberikan Total loans
Dikurangi: Cadangan Kerugian - Less of Allowance for -
Penurunan Nilai Impairment Losses
Jumlah Kredit yang Diberikan - Bersih Total Loans - Net
7.286.348.277.193 79.371.817.068
7.365.720.094.261 7.293.126.635.423
106.851.246.349 7.399.977.881.772
6.778.358.230 27.479.429.281
34.257.787.511 1.570.287.768
- 1.570.287.768
201.688.565 -
201.688.565 2.231.166.863
8.926.133 2.240.092.996
858.423.795 19.235.347
877.659.142 131.946.695.515
85.916.042 132.032.611.557
70.383.896 -
70.383.896 102.173.800.136
390.515.463 102.564.315.599
29.933.673.903 151.249.147
30.084.923.050 10.660.395.415
1.748.947.392 12.409.342.807
3.922.767.969 -
3.922.767.969 10.813.028.120
1.371.568.429 12.184.596.549
9.278.599.803 1.413.862.261
10.692.462.064 10.723.448.596
- 10.723.448.596
1.392.504.527 115.326.349
1.507.830.876 30.480.151.248
4.255.879.432 34.736.030.680
18.119.998.250 234.974.475
18.354.972.725 184.244.901
38.944.440 223.189.341
- 30.281.350
30.281.350 78.238.954.427
2.258.593.263 80.497.547.690
2.885.637.925 35.000.000
2.920.637.925 956.858.258
229.951.586 1.186.809.844
207.520.072.260 329.448.387
207.849.520.647 4.507.944
- 4.507.944
6.458.667.473.737 88.909.069.158
6.547.576.542.895 21.750.708.837
1.379.942.326 23.130.651.163
1.180.424.561 1.669.201.556
2.849.626.117 58.814.078.130
982.977.412 59.797.055.542
98.546.660.074 1.191.436.401
99.738.096.475
1 Januari 2015 January 1, 2015 Tidak Mengalami
Penurunan Nilai Not Impaired
Mengalami Penurunan Nilai
Impaired Jumlah Total
4.196.643.286 42.168.946.045
46.365.589.331 8.454.830.341.735
116.831.193.343 8.571.661.535.078
24.449.295 -
24.449.295 8.459.026.985.021
159.000.139.388 8.618.027.124.409
193.701.437 -
193.701.437 7.181.268.341
- 7.181.268.341
991.284.297 -
991.284.297 90.912.226.601
108.860.191 91.021.086.792
4.713.229.754 154.106.096
4.867.335.850 835.184.436
- 835.184.436
6.180.132.531 164.520.337
6.344.652.868 869.609.603
54.578.331 924.187.934
134.449.509.881 1.487.067.773
135.936.577.654 221.840.627
- 221.840.627
152.188.919.486 113.122.287
152.302.041.773 59.336.178.846
291.334.244 59.627.513.090
3.497.635.887 1.633.889.605
5.131.525.492 4.475.505.499
- 4.475.505.499
2.483.938.793 1.094.398.415
3.578.337.208 4.616.921.799
1.317.933.576 5.934.855.375
7.985.423.096.850 152.495.775.300
8.137.918.872.150 432.351.058
84.553.233 516.904.291
Kredit yang diberikan berdasarkan jenis kredit yang mengalami penurunan nilai dan yang tidak mengalami penurunan nilai adalah sebagai berikut:
Loans are granted based on the type of credit that may be impaired and not impaired are as follows:
31 Desember 2015 December 31, 2015 Tidak Mengalami
Penurunan Nilai Not Impaired
Mengalami Penurunan Nilai
Impaired Jumlah Total
807
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya c.
Loans Based on The Collectibility Sektor Ekonomi
Economic Sector
Konsumtif Comsumptive
Cadangan kerugian Allowance for impairment
penurunan nilai losses
Jumlah Total
Perikanan Fisheries
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertanian Agricultural
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Peternakan Animal Husbandry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertambangan Mining
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Industri Industry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Listrik dan Air Electric and Water
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Konstruksi Construction
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Perdagangan Trading
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pengangkutan Transportation
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Dunia Usaha Business Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Sosial Social Community
Kemasyarakatan Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total loans Jumlah cadangan kerugian -
Total of Allowance for penurunan nilai
impairment losses Jumlah Kredit yang
Diberikan - Bersih Total Loans - Net
54.331.076.337 8.694.806.252.184
89.217.251.840 11.124.623.020
13.537.936.415 19.663.225.151
8.828.349.288.610 7.400.887.318
7.483.933.773 4.043.175.493
7.375.136.420 28.027.943.333
8.702.207.139.502 96.701.185.613
15.167.798.513 20.913.072.835
47.691.168.484 8.882.680.364.947
18.335.167.173 1.084.442.483
2.003.076 1.298.788
388.149.221 19.811.060.741
34.395.186 16.457.067
494.289 1.791.616
540.920.753 594.058.911
18.369.562.359 1.100.899.550
2.497.365 3.090.404
929.069.974 20.405.119.652
22.108.477.296 929.019.817
1.301.443 13.495.422
4.418.158 23.056.712.136
44.065.302 61.657.013
365.229 4.430.187
6.455.962 116.973.693
22.152.542.598 990.676.830
1.666.672 17.925.609
10.874.120 23.173.685.829
789.990.693 21.929.995
- -
546.080.279 1.358.000.967
1.337.095 -
- -
797.951.876 799.288.971
791.327.788 21.929.995
- -
1.344.032.155 2.157.289.938
133.229.513.824 19.483.973.334
103.226.690 288.995.273
6.816.965.949 159.922.675.070
338.377.771 949.088.215
23.837.309 246.017.997
9.874.138.546 11.431.459.838
133.567.891.595 20.433.061.549
127.063.999 535.013.270
16.691.104.495 171.354.134.908
147.960.714.742 4.691.876.477
- 644.331.239
102.170.223 153.399.092.681
772.882.392 182.801.553
- 180.479.661
149.294.750 1.285.458.356
148.733.597.134 4.874.678.030
- 824.810.900
251.464.973 154.684.551.037
1.531.102.857 8.318.937
- -
- 1.539.421.794
6.427.388 14.395
- -
- 6.441.783
1.537.530.245 8.333.332
- -
- 1.545.863.577
77.938.653.959 1.381.053.220
208.208.659 99.251.463
2.137.605.412 81.764.772.713
103.883.787 46.429.421
1.804.319 1.491.554
3.123.544.844 3.277.153.925
78.042.537.746 1.427.482.641
210.012.978 100.743.017
5.261.150.256 85.041.926.638
1.199.807.201 -
- -
36.980.353 1.236.787.554
1.253.626 -
- -
54.037.003 55.290.629
1.201.060.827 -
- -
91.017.356 1.292.078.183
8.282.214.074 186.148.746
20.226.681 16.142.612
36.746.430 8.541.478.543
17.177.582 10.484.918
5.676.300 4.530.170
53.695.184 91.564.154
8.299.391.656 196.633.664
25.902.981 20.672.782
90.441.614 8.633.042.697
3.547.697.987 376.949.358
- -
- 3.924.647.345
5.737.749 47.432.665
- -
- 53.170.414
3.553.435.736 424.382.023
- -
- 3.977.817.759
3.027.339.822 103.813.476
- -
42.320.158 3.173.473.456
10.776.709 16.315.265
- -
61.839.708 88.931.682
3.038.116.531 120.128.741
- 104.159.866
3.262.405.138 8.282.920.145.287
67.102.979.258 14.800.654.518
19.410.816.853 22.917.853.675
8.407.152.449.591
31 Desember 2016 December 31, 2016
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total 8.276.855.572.556
60.949.725.997 10.789.656.471
12.474.421.618 9.551.788.968
8.370.621.165.610 6.064.572.731
6.153.253.261 4.010.998.047
6.936.395.235 13.366.064.707
36.531.283.981
808
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya c.
Loans Based on The Collectibility Sektor Ekonomi
Economic Sector
Konsumtif Comsumptive
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Perikanan Fisheries
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertanian Agricultural
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Peternakan Animal Husbandry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertambangan Mining
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Industri Industry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Listrik dan Air Electric and Water
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Konstruksi Construction
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Perdagangan Trading
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pengangkutan Transportation
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Dunia Usaha Business Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Sosial Social Community
Kemasyarakatan Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total loans Jumlah cadangan kerugian -
Total of Allowance for penurunan nilai
Impairment Losses Jumlah Kredit yang
Diberikan - Bersih Total Loans - Net
46.365.589.331 8.454.847.038.310
69.264.088.268 17.208.347.230
13.704.467.295 16.637.593.975
8.571.661.535.078 4.196.643.286
5.839.329.564 5.072.768.950
7.693.585.333 23.563.262.198
8.459.043.681.596 75.103.417.832
22.281.116.180 21.398.052.628
40.200.856.173 8.618.027.124.409
5.999.721.374 183.492.550
- -
286.349.068 6.469.562.992
9.180.912 27.884.144
- -
419.291.809 456.356.865
6.008.902.286 211.376.694
- -
705.640.877 6.925.919.857
11.563.150.810 356.691.244
3.157.717 72.665.798
259.786.834 12.255.452.403
27.818.965 50.204.434
1.779.733 29.576.270
380.397.574 489.776.976
11.590.969.775 406.895.678
4.937.450 102.242.068
640.184.408 12.745.229.379
870.419.953 -
- -
5.864.196 876.284.149
1.935.453 -
- -
8.586.755 10.522.208
872.355.406 -
- -
14.450.951 886.806.357
97.137.546.986 3.129.798.538
1.465.351.189 178.847.688
3.550.971.653 105.462.516.054
213.248.571 150.643.658
251.793.296 172.421.807
5.125.351.698 5.913.459.030
97.350.795.557 3.280.442.196
1.717.144.485 351.269.495
8.676.323.351 111.375.975.084
70.350.487.051 761.112.755
- -
27.777.010 71.139.376.816
104.145.943 14.261.350
- -
40.672.990 159.080.283
70.454.632.994 775.374.105
- -
68.450.000 71.298.457.099
560.145.477 -
- -
- 560.145.477
408.237 -
- -
- 408.237
560.553.714 -
- -
- 560.553.714
113.059.229.635 327.363.572
73.652.048 15.418.130
48.523.227 113.524.186.612
98.238.667 27.644.701
31.671.704 8.484.284
68.768.237 234.807.593
113.157.468.302 355.008.273
105.323.752 23.902.414
117.291.464 113.758.994.205
1.943.004.736 46.834.701
- -
219.544.843 2.209.384.280
71.124 13.832.403
- -
321.472.513 335.376.040
1.943.075.860 60.667.104
- -
541.017.356 2.544.760.320
4.338.401.196 1.655.053
- 76.095.571
72.367.783 4.488.519.603
9.636.834 9.716
- 37.144.382
105.965.838 152.756.770
4.348.038.030 1.664.769
- 113.239.953
178.333.621 4.641.276.373
815.013.764 17.826.316
- 2.836.074
90.386.930 926.063.084
1.659.248 -
- 3.086.158
132.350.700 137.096.106
816.673.012 17.826.316
- 5.922.232
222.737.630 1.063.159.190
1.991.540.181 235.373.153
40.450.584 -
594.948.625 2.862.312.543
3.176.404 27.190.671
17.889.360 -
871.164.300 919.420.735
1.994.716.585 262.563.824
58.339.944 -
1.466.112.925 3.781.733.278
8.146.218.377.147 64.203.940.386
15.625.735.692 13.358.604.034
11.481.073.806 8.250.887.731.065
3.727.122.928 5.527.658.487
4.769.634.857 7.442.872.432
16.089.239.784 37.556.528.488
8.149.945.500.075 69.731.598.873
20.395.370.549 20.801.476.466
27.570.313.590 8.288.444.259.553
31 Desember 2015 December 31, 2015
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
809
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Sektor Ekonomi Lanjutan
Economic Sector Continued
Konsumtif Comsumptive
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Perikanan Fisheries
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertanian Agricultural
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Peternakan Animal Husbandry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pertambangan Mining
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Industri Industry
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Listrik dan Air Electric and Water
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Konstruksi Construction
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Perdagangan Trading
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Pengangkutan Transportation
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Dunia Usaha Business Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jasa-Jasa Sosial Social Community
Kemasyarakatan Services
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total loans Jumlah cadangan kerugian -
Total of Allowance for penurunan nilai
impairment losses Jumlah Kredit yang
Diberikan - Bersih Total Loans - Net
34.257.787.511 7.286.348.277.193
10.773.775.771 50.624.621.362
3.335.417.469 14.638.002.466
7.365.720.094.261 6.778.358.230
978.339.632 2.978.238.847
1.977.753.583 21.545.097.219
7.293.126.635.423 11.752.115.403
53.602.860.209 5.313.171.052
36.183.099.685 7.399.977.881.772
101.635.080.535 -
129.364.493 117.736.255
133.124.233 102.015.305.516
88.742.604 -
98.651 88.153.219
196.636.066 373.630.540
101.723.823.139 -
129.463.144 205.889.474
329.760.299 102.388.936.056
18.365.252.364 234.722.541
107.500.577 28.114.286
814.917.487 19.550.507.255
96.763.077 77.193.612
41.421.377 30.879.285
1.203.703.987 1.449.961.338
18.462.015.441 311.916.153
148.921.954 58.993.571
2.018.621.474 21.000.468.593
1.922.665.742 130.876.253
- -
3.817.395 2.057.359.390
4.212.508 13.043.646
- -
5.638.625 22.894.779
1.926.878.250 143.919.899
- -
9.456.020 2.080.254.169
120.132.033.653 619.043.610
737.647.237 255.356.039
1.849.043.237 123.593.123.776
692.898.481 42.451.134
38.033.893 183.173.492
2.707.974.558 3.664.531.558
120.824.932.134 661.494.744
775.681.130 438.529.531
4.557.017.795 127.257.655.334
75.407.116.356 120.443.887
182.290.674 159.770.534
340.602.682 76.210.224.133
123.703.657 -
16.194.512 78.157.041
326.388.032 544.443.242
75.530.820.013 120.443.887
198.485.186 237.927.575
666.990.714 76.754.667.375
18.284.129.579 -
- -
2.580.895 18.286.710.474
18.870.048 -
- -
3.812.206 22.682.254
18.302.999.627 -
- -
6.393.101 18.309.392.728
32.827.044.529 56.926.005
15.562.246 5.571.198
19.388.339 32.924.492.317
297.383.485 1.671.443
10.678.838 4.195.501
28.638.263 342.567.530
33.124.428.014 58.597.448
26.241.084 9.766.699
48.026.602 33.267.059.847
1.204.746.432 -
- -
- 1.204.746.432
1.424.143 -
- -
- 1.424.143
1.206.170.575 -
- -
- 1.206.170.575
11.865.253.378 149.428.802
61.152.282 7.963.181
20.581.955 12.104.379.598
52.778.410 44.673.437
27.696.981 8.099.068
30.401.340 163.649.236
11.918.031.788 194.102.239
88.849.263 16.062.249
50.983.295 12.268.028.834
6.668.600.138 13.431.948
57.899.150 -
14.635.749 6.754.566.985
22.969.194 2.634.534
23.607.056 -
21.618.274 70.829.058
6.691.569.332 16.066.482
81.506.206 -
36.254.023 6.825.396.043
4.757.513.009 51.267.520
45.402.448 -
46.764.626 4.900.947.603
16.811.947 23.548.539
27.943.951 -
69.075.419 137.379.856
4.774.324.956 74.816.059
73.346.399 -
115.840.045 5.038.327.459
6.893.278.841.478 9.397.635.205
49.287.802.255 2.760.905.976
11.392.545.868 6.966.117.730.782
5.361.800.676 773.123.287
2.792.563.588 1.585.095.977
16.951.210.449 27.463.793.977
6.898.640.642.154 10.170.758.492
52.080.365.843 4.346.001.953
28.343.756.317 6.993.581.524.759
1 Januari 2015 January 1, 2015
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
810
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit
Type of Credit
KI Biasa KI - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kredit Mitra Usaha - KI - Credit Small Business -
Kecil Partner
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI - Kredit Mitra Usaha - KI - Micro Capital Working -
Mikro Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI KUK KI - KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro KI - Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Biasa KK - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK KPR Bank Sulut KK - KPR Bank Sulut
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Lainnya Other KK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Biasa KMK - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK KUK KMK - KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro KMK - Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Penjaminan KMK - Assurance Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Rekening Koran Biasa KMK - General Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
88.866.662.109 8.728.966.240
- -
3.447.970.514 101.043.598.863
136.462.208 128.465.792
- -
5.038.296.842 5.303.224.842
89.003.124.317 8.857.432.032
- -
8.486.267.356 106.346.823.705
- -
- -
29.855.325 29.855.325
- -
- -
- -
- -
- -
29.855.325 29.855.325
- -
- -
- -
- -
- -
- -
- -
- -
- -
1.387.370.124 11.995.940
33.298.475 -
44.528.327 1.477.192.866
3.222.552 504.060
6.979.302 -
65.066.365 75.772.279
1.390.592.676 12.500.000
40.277.777 -
109.594.692 1.552.965.145
10.182.622.813 764.548.708
- -
203.253.842 11.150.425.363
44.088.439 3.310.322
- -
227.317.042 274.715.803
10.226.711.252 767.859.030
- -
430.570.884 11.425.141.166
24.884.086.844 1.698.877.360
- -
802.636.820 27.385.601.024
64.942.306 19.346.047
- -
1.172.841.393 1.257.129.746
24.949.029.150 1.718.223.407
- -
1.975.478.213 28.642.730.770
208.795.579.415 3.000.282.800
- 171.977.343
396.899.429 212.364.738.987
20.722.470 59.140.802
- 231.280.666
533.763.128 844.907.066
208.816.301.885 3.059.423.602
- 403.258.009
930.662.557 213.209.646.053
543.931.520 -
- -
92.239.996 636.171.516
358.834 -
- -
134.784.338 135.143.172
544.290.354 -
- -
227.024.334 771.314.688
7.438.461.067.380 54.566.952.812
10.751.562.695 11.965.850.382
8.245.244.357 7.523.990.677.626
5.857.410.725 6.029.492.209
3.995.293.723 6.475.639.678
11.607.845.853 33.965.682.188
7.444.318.478.105 60.596.445.021
14.746.856.418 18.441.490.060
19.853.090.210 7.557.956.359.814
104.282.965 -
- -
1.007.894 105.290.859
793.226 -
- -
1.472.770 2.265.996
105.076.191 -
- -
2.480.664 107.556.855
5.930.150.867 593.884.957
201.779.224 97.900.099
672.508.411 7.496.223.558
- -
- -
982.693.145 982.693.145
5.930.150.867 593.884.957
201.779.224 97.900.099
1.655.201.556 8.478.916.703
4.818.000.366 447.906.151
38.093.776 152.964.922
184.422.161 5.641.387.376
20.993.890 22.454.249
15.704.324 63.361.049
200.840.208 323.353.720
4.838.994.256 470.360.400
53.798.100 216.325.971
385.262.369 5.964.741.096
28.133.373.045 -
- -
237.335.297 28.370.708.342
31.256.073 -
- -
346.802.743 378.058.816
28.164.629.118 -
- -
584.138.040 28.748.767.158
106.236.782.508 10.147.588.484
- -
3.288.152.723 119.672.523.715
95.356.522 907.565.359
- -
4.804.765.412 5.807.687.293
106.332.139.030 11.055.153.843
- -
8.092.918.135 125.480.211.008
31 Desember 2016 December 31, 2016
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
811
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit
Type of Credit
KMK Rekening Koran - KMK - Contractor -
Kontraktor Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Agunan Deposito KMK - Deposit Guarantee
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Investasi KUR - Investment Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Modal Kerja KUR - Micro Working Capital
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Investasi KUR - Investment Retail
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Modal Kerja KUR - Working Capital Retail
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Cash Collateral KK - Cash Collateral
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Pensiunan PNS KK - Pension PNS
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Kredit Konsumtif Umum General Consumer Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Pejabat Publik KK - Public Officials
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KIP KUP KIP - KUP
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Sejahtera KMK - Prosperous Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Kecil Sejahtera KMK - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro Sejahtera KI - Prosperous MIcro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kecil Sejahtera KI - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
579.442.041 87.390.879
30.363.169 -
- 697.196.089
- -
- -
- -
579.442.041 87.390.879
30.363.169 -
- 697.196.089
13.805.089.975 549.270.629
44.494.191 55.991.941
21.559.858 14.476.406.594
23.889.501 26.588.573
12.486.594 16.616.752
31.504.017 111.085.437
13.828.979.476 575.859.202
56.980.785 72.608.693
53.063.875 14.587.492.031
1.377.047.135 58.972.706
12.174.561 -
5.405.590 1.453.599.992
3.669.068 2.604.146
3.004.261 -
7.898.836 17.176.311
1.380.716.203 61.576.852
15.178.822 -
13.304.426 1.470.776.303
23.718.334.320 545.582.997
5.687.956 39.163.348
39.752.078 24.348.520.699
40.861.901 19.431.308
3.539.097 31.126.881
58.087.133 153.046.320
23.759.196.221 565.014.305
9.227.053 70.290.229
97.839.211 24.501.567.019
364.849.325 -
- -
- 364.849.325
- -
- -
- -
364.849.325 -
- -
- 364.849.325
105.692.997.682 1.796.944.829
- 183.628.971
292.372.555 107.965.944.037
65.504.429 10.966.686
- 166.113.842
427.225.149 669.810.106
105.758.502.111 1.807.911.515
- 349.742.813
719.597.704 108.635.754.143
85.103.586.392 393.903.154
- -
33.617.639 85.531.107.185
56.117.235 30.316.476
- -
49.123.286 135.556.997
85.159.703.627 424.219.630
- -
82.740.925 85.666.664.182
233.930.120.800 488.335.680
- -
69.657.534 234.488.114.014
17.732.222 882.839
- -
65.680.002 84.295.063
233.947.853.022 489.218.519
- -
135.337.536 234.572.409.077
2.779.458.946 -
- -
- 2.779.458.946
- -
- -
- -
2.779.458.946 -
- -
- 2.779.458.946
448.183.332 19.953.930
- 97.047.578
421.266.917 986.451.757
7.564.842 19.379.224
- 141.809.364
615.570.139 784.323.569
455.748.174 39.333.154
- 238.856.942
1.036.837.056 1.770.775.326
1.380.650.261 457.625.155
- 113.260.632
376.307.630 2.327.843.678
9.978.390 23.766.841
- 49.239.368
549.874.049 632.858.648
1.390.628.651 481.391.996
- 162.500.000
926.181.679 2.960.702.326
117.598.573 23.654.403
4.012.554 12.428.552
273.921.018 431.615.100
29.003.385 2.205.590
4.262.653 16.006.394
400.262.914 451.740.936
146.601.958 25.859.993
8.275.207 28.434.946
674.183.932 883.356.036
27.193.013 1.315.158
3.156.419 3.391.408
27.273.864 62.329.862
4.598.357 556.420
1.905.539 3.462.765
39.853.515 50.376.596
31.791.370 1.871.578
5.061.958 6.854.173
67.127.379 112.706.458
13.941.864.166 -
- -
- 13.941.864.166
- -
- -
- -
13.941.864.166 -
- -
- 13.941.864.166
31 Desember 2016 Lanjutan December 31, 2016 Continued
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total 118.285.509.485
4.520.516.753 -
644.331.239 456.035.372
123.906.392.849 866.360.743
176.956.830 -
180.479.661 666.375.054
1.890.172.288 119.151.870.228
4.697.473.583 -
824.810.900 1.122.410.426
125.796.565.137
36
812
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit Lanjutan
Type of Credit Continued
KSU Perseorangan Umum KSU - General Individual
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KPNS Pra Purnabakti KPNS Pra Purnabakti
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KPNS Pra THT KPNS Pra THT
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KSU Untuk Tokoh Lembaga KSU for Figure of Institutions
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Kredit Usaha Pegawai KMK - Employee Business Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Agunan Deposito KI Collateral Deposit
Cadangan kerugian Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total Loans Jumlah cadangan kerugian -
Total of Allowance for penurunan nilai
Impairment Losses Jumlah Kredit yang -
Diberikan - Bersih Total Loans - Net
KI Biasa KI - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI - Credit Small Business KI Kredit Mitra Usaha Kecil
Partner Cadangan kerugian -
Allowance for impairment - penurunan nilai
losses
Jumlah Total
KI Kredit Mitra Usaha Mikro KI Micro Capital Working Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI KUK KI - KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro KI - Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Biasa KK - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
1.500.000.000 -
- -
-
7.408.547.664.144 62.202.638.819
15.343.884.960 13.288.307.812
10.766.008.177 7.510.148.503.912
3.520.732.678 5.509.236.638
4.751.737.498 7.389.561.734
15.177.008.162 36.348.276.710
7.412.068.396.822 67.711.875.457
20.095.622.458 20.677.869.546
25.943.016.339 7.546.496.780.622
215.282.573 -
- -
1.345.688 216.628.261
2.050.758 -
- -
1.970.448 4.021.206
217.333.331 -
- -
3.316.136 220.649.467
2.846.048.286 133.019.837
- -
673.303.990 3.652.372.113
2.509.579 4.816.126
- -
985.897.566 993.223.271
2.848.557.865 137.835.963
- -
1.659.201.556 4.645.595.384
8.670.278.844 1.106.155.803
90.529.667 177.558.267
212.686.821 10.257.209.402
18.428.748 84.886.505
40.036.945 85.967.708
238.975.542 468.295.448
8.688.707.592 1.191.042.308
130.566.612 263.525.975
451.662.363 10.725.504.850
47.616.535.222 -
- -
276.541.017 47.893.076.239
45.326.430 -
- -
381.908.668 427.235.098
47.661.861.652 -
- -
658.449.685 48.320.311.337
100.052.986.941 1.200.980.453
- -
618.228.599 101.872.195.993
- -
- -
905.252.424 905.252.424
100.052.986.941 1.200.980.453
- -
1.523.481.023 102.777.448.417
31 Desember 2015 December 31, 2015
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total 8.694.806.252.184
89.217.251.840 11.124.623.020
13.537.936.415 19.663.225.151
8.828.349.288.610 8.882.680.364.947
7.400.887.318 7.483.933.773
4.043.175.493 7.375.136.420
28.027.943.333 54.331.076.337
8.702.207.139.502 96.701.185.613
15.167.798.513 20.913.072.835
47.691.168.484 1.888.407.778
57.381.544 -
- -
1.945.789.322 -
- -
- -
-
1.500.000.000 -
- -
- 1.500.000.000
- -
- -
- -
1.500.000.000 1.888.407.778
57.381.544 -
- -
1.945.789.322 10.630.925.864
- -
- -
10.630.925.864 -
- -
- -
- 10.630.925.864
- -
- -
10.630.925.864 137.000.000
- -
- -
137.000.000 -
- -
- -
- 137.000.000
- -
- -
137.000.000
31 Desember 2016 Lanjutan December 31, 2016 Continued
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
159.322.141.552 255.400.571
- -
- 159.577.542.123
- -
- -
- -
159.322.141.552 255.400.571
- -
- 159.577.542.123
1.431.941.588 -
- -
- 1.431.941.588
- -
- -
- -
1.431.941.588 -
- -
- 1.431.941.588
813
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit Lanjutan
Type of Credit Continued
KK KPR Bank Sulut KK - KPR Bank Sulut
Cadangan kerugian Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Lainnya Other KK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Biasa KMK - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK KUK KMK - KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro KMK - Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Penjaminan KMK - Assurance Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Rekening Koran Biasa KMK - General Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Rekening Koran Kontrak KMK - Contractor Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Agunan Deposito KMK - Guarantee Deposit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Investasi KUR - Investment Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Modal Kerja KUR - Working Capital Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Investasi KUR - Investment Retail
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Modal Kerja KUR - Working Capital Retail
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Cash Collateral KK - Cash Collateral
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
4.475.505.499 -
- -
- 4.475.505.499
- -
- -
- -
4.475.505.499 -
- -
- 4.475.505.499
3.436.801.503 111.714.480
225.255.796 9.675.766
450.578.809 4.234.026.354
60.834.384 5.530.604
164.249.189 7.116.786
659.768.175 897.499.138
3.497.635.887 117.245.084
389.504.985 16.792.552
1.110.346.984 5.131.525.492
4.573.125.678 274.525.211
- 48.576.232
371.531.788 5.267.758.909
43.796.121 47.020.143
- 32.258.054
544.022.148 667.096.466
4.616.921.799 321.545.354
- 80.834.286
915.553.936 5.934.855.375
2.435.510.559 144.408.202
32.150.413 54.920.974
316.328.493 2.983.318.641
48.428.234 18.858.694
17.647.515 50.945.046
459.139.078 595.018.567
2.483.938.793 163.266.896
49.797.928 105.866.020
775.467.571 3.578.337.208
425.004.715 3.806.359
- 4.853.597
27.632.688 461.297.359
7.346.343 1.347.418
- 6.451.507
40.461.664 55.606.932
432.351.058 5.153.777
- 11.305.104
68.094.352 516.904.291
10.844.057.377 -
- -
- 10.844.057.377
- -
- -
- -
10.844.057.377 -
- -
- 10.844.057.377
74.646.004.644 1.012.641.407
68.968.186 40.382.827
72.479.542 75.840.476.606
121.153.301 54.425.730
29.031.814 58.906.673
94.446.793 357.964.311
74.767.157.945 1.067.067.137
98.000.000 99.289.500
166.926.335 76.198.440.917
58.879.196.850 499.594.500
1.151.472.000 -
1.415.084.167 61.945.347.517
47.789.789 405.500
48.528.000 -
2.072.062.621 2.168.785.910
58.926.986.639 500.000.000
1.200.000.000 -
3.487.146.788 64.114.133.427
- -
- -
12.324.204 12.324.204
- -
- -
18.045.938 18.045.938
- -
- -
30.370.142 30.370.142
- -
- -
- -
- -
- -
- -
- -
- -
- -
1.508.832.464 -
- 18.341.957
14.383.354 1.541.557.775
8.551.977 -
- 20.793.980
21.061.086 50.407.043
1.517.384.441 -
- 39.135.937
35.444.440 1.591.964.818
3.907.890.885 175.267.394
- -
216.219.656 4.299.377.935
15.564.348 51.279.475
- -
316.603.548 383.447.371
3.923.455.233 226.546.869
- -
532.823.204 4.682.825.306
24.187.216.555 403.984.155
- -
811.352.611 25.402.553.321
31 Desember 2015 Lanjutan December 31, 2015 Continued
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
94.211.944 40.884.698
- -
1.188.037.758 1.323.134.400
24.281.428.499 444.868.853
- -
1.999.390.369 26.725.687.721
238.864.378.733 349.659.016
- -
137.692.199 239.351.729.948
21.977.555 32.172
- -
190.726.577 212.736.304
238.886.356.288 349.691.188
- -
328.418.776 239.564.466.252
735.140.226 -
- 8.904.478
93.612.067 837.656.771
3.285.999 -
- 13.038.542
126.654.801 142.979.342
738.426.225 -
- 21.943.020
220.266.868 980.636.113
38
814
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit Lanjutan
Type of Credit Continued
KK Pensiunan PNS KK - Pension of PNS
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Kredit Konsumtif Umum General Consumer Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Pejabat Publik KK - Public Officials
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KIP KUP KIP - KUP
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Sejahtera KMK - Prosperous Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Kecil Sejahtera KMK - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro Sejahtera KI - Prosperous Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kecil Sejahtera KI - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KSU Perseorangan Umum KSU - General Individual
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KPNS Pra Purnabakti KPNS Pra Purnabakti
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KPNS Pra THT KPNS Pra THT
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KSU Untuk Tokoh Lembaga KSU for Figure of Institutions
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Kredit Usaha Pegawai KMK - Employee Business Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total Loans Jumlah cadangan kerugian
Total of allowance for - penurunan nilai
impairment losses Jumlah Kredit yang
Diberikan - Bersih Total Loans - Net
8.571.661.535.078 8.454.830.341.735
69.272.806.325 17.208.347.230
13.704.467.295 16.645.572.493
8.618.027.124.409 4.196.643.286
5.839.329.564 5.072.768.950
7.693.585.333 23.563.262.198
46.365.589.331 8.459.026.985.021
75.112.135.889 22.281.116.180
21.398.052.628 40.208.834.691
24.449.295 -
- -
- 24.449.295
- -
- -
- -
24.449.295 -
- -
- 24.449.295
7.181.268.341 -
- -
- 7.181.268.341
- -
- -
- -
7.181.268.341 -
- -
- 7.181.268.341
193.701.437 -
- -
- 193.701.437
- -
- -
- -
193.701.437 -
- -
- 193.701.437
90.912.226.601 108.860.191
- -
- 91.021.086.792
- -
- -
- -
90.912.226.601 108.860.191
- -
- 91.021.086.792
991.284.297 -
- -
- 991.284.297
- -
- -
- -
991.284.297 -
- -
- 991.284.297
835.184.436 -
- -
- 835.184.436
- -
- -
- -
835.184.436 -
- -
- 835.184.436
4.713.229.754 130.528.010
- 23.578.086
- 4.867.335.850
- -
- -
- -
4.713.229.754 130.528.010
- 23.578.086
- 4.867.335.850
864.880.666 28.712.627
- -
7.173.964 900.767.257
4.728.937 8.187.134
- -
10.504.606 23.420.677
869.609.603 36.899.761
- -
17.678.570 924.187.934
6.176.974.488 114.247.751
14.235.476 18.604.797
- 6.324.062.512
3.158.043 1.005.569
3.640.630 12.786.114
- 20.590.356
6.180.132.531 115.253.320
17.876.106 31.390.911
- 6.344.652.868
221.840.627 -
- -
- 221.840.627
- -
- -
- -
221.840.627 -
- -
- 221.840.627
134.374.083.706 1.090.106.462
281.850.732 -
34.864.730 135.780.905.630
75.426.175 11.297.178
17.897.359 -
51.051.312 155.672.024
134.449.509.881 1.101.403.640
299.748.091 -
85.916.042 135.936.577.654
59.298.381.717 181.955.648
- 10.762.502
33.576.267 59.524.676.134
37.797.129 115.980
- 15.759.189
49.164.658 102.836.956
59.336.178.846 182.071.628
- 26.521.691
82.740.925 59.627.513.090
152.175.374.672 -
- -
82.623.662 152.257.998.334
13.544.814 -
- -
30.498.625 44.043.439
152.188.919.486 -
- -
113.122.287 152.302.041.773
31 Desember 2015 Lanjutan December 31, 2015 Continued
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
815
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit Lanjutan
Type of Credit Continued
KI Biasa KI - Common
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kredit Mitra Usaha Kecil KI Credit Small Business Partner
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kredit Mitra Usaha Mikro KI Micro Capital Working Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI KUK KI KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro KI Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Biasa Common KK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK KPR Bank Sulut KK KPR Bank Sulut
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Lainnya Other KK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Biasa Common KMK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK KUK KMK KUK
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro KMK Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Penjaminan KMK Assurance Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Tanpa Agunan KMK Unsecured Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Rekening Koran Biasa KMK General Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Rekening Koran Kontrak KMK Contract Bank Statement
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
18.004.320.181 -
- 140.292.959
6.670.931 18.151.284.071
115.678.069 -
- 78.157.041
9.853.544 203.688.654
18.119.998.250 -
- 218.450.000
16.524.475 18.354.972.725
30.370.331.262 406.638.000
731.948.400 -
1.152.918.527 32.661.836.189
109.819.986 93.362.000
168.051.600 -
1.702.960.905 2.074.194.491
30.480.151.248 500.000.000
900.000.000 -
2.855.879.432 34.736.030.680
- -
- -
12.224.581 12.224.581
- -
- -
18.056.769 18.056.769
- -
- -
30.281.350 30.281.350
- -
- -
- -
- -
- -
- -
- -
- -
- -
182.110.607 -
- -
15.721.870 197.832.477
2.134.294 -
- -
23.222.570 25.356.864
184.244.901 -
- -
38.944.440 223.189.341
2.874.080.944 -
- -
14.129.500 2.888.210.444
11.556.981 -
- -
20.870.500 32.427.481
2.885.637.925 -
- -
35.000.000 2.920.637.925
77.508.359.071 267.192.545
126.405.488 -
745.344.106 78.647.301.210
730.595.356 2.518.563
16.194.512 -
1.100.938.049 1.850.246.480
78.238.954.427 269.711.108
142.600.000 -
1.846.282.155 80.497.547.690
207.503.263.140 -
- 229.768.598
5.325.727 207.738.357.465
16.809.120 -
- 91.109.480
3.244.582 111.163.182
207.520.072.260 -
- 320.878.078
8.570.309 207.849.520.647
949.554.864 6.398.292
- -
94.246.434 1.050.199.590
7.303.394 606.258
- -
128.700.602 136.610.254
956.858.258 7.004.550
- 222.947.036
1.186.809.844 6.453.745.966.405
8.687.442.289 48.690.513.188
2.470.246.533 9.832.475.313
6.523.426.643.728 4.921.507.332
658.876.230 2.603.607.546
1.480.463.014 14.485.445.045
24.149.899.167 6.458.667.473.737
9.346.318.519 51.294.120.734
3.950.709.547 24.317.920.358
6.547.576.542.895 4.473.801
- -
- -
4.473.801
34.143 -
- -
- 34.143
4.507.944 -
- -
- 4.507.944
1.180.424.561 -
- -
1.669.201.556 2.849.626.117
21.737.636.062 88.192.836
779.248.961 -
189.295.939 22.794.373.798
1.179.435.365 -
- -
673.856.668 1.853.292.033
989.196 -
- -
995.344.888 996.334.084
13.072.775 53.036
43.544.992 -
279.606.562 336.277.365
21.750.708.837 88.245.872
822.793.953 -
468.902.501 23.130.651.163
98.477.381.618 99.719.147
54.355.237 58.126.844
382.441.930 99.072.024.776
69.278.456 70.152
25.638.810 29.582.001
541.502.280 666.071.699
98.546.660.074 99.789.299
79.994.047 87.708.845
923.944.210 99.738.096.475
58.753.499.628 -
- -
396.827.981 59.150.327.609
60.578.502 -
- -
586.149.431 646.727.933
58.814.078.130 -
- -
982.977.412 59.797.055.542
1 Januari 2015 January 1, 2015
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
40
816
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
c. Kredit Yang Diberikan Berdasarkan Kolektabilititasnya Lanjutan c.
Loans Based on The Collectibility Continued Jenis Kredit Lanjutan
Type of Credit Continued
KMK Agunan Deposito KMK Cash Collateral
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Investasi Investment Micro KUR
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Mikro Modal Kerja KUR Micro Working Capital
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Investasi KUR Retail Investment
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUR Ritel Modal Kerja KUR - Working Capital Retail
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Cash Collateral KK - Cash Collateral
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Pensiunan PNS KK - Pension of PNS
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Kredit Konsumtif Umum General Consumer Credit
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KK Pejabat Publik KK - Public Officials
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KUP KUP
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Mikro Sejahtera KMK - Prosperous Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KMK Kecil Sejahtera KMK - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Mikro Sejahtera KMK - Prosperous Micro
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
KI Kecil Sejahtera KI - Prosperous Small
Cadangan kerugian - Allowance for impairment -
penurunan nilai losses
Jumlah Total
Jumlah kredit yang diberikan
Total loans Jumlah cadangan
Total of allowance for kerugian penurunan nilai
impairment losses Jumlah Kredit yang
Diberikan - Bersih Total Loans - Net
7.286.348.277.193 10.773.775.771
50.624.621.362 3.335.417.469
14.638.002.466 7.365.720.094.261
6.778.358.230 978.339.632
2.978.238.847 1.977.753.583
21.545.097.219 34.257.787.511
7.293.126.635.423 11.752.115.403
53.602.860.209 5.313.171.052
36.183.099.685 7.399.977.881.772
201.688.565 -
- -
- 201.688.565
- -
- 201.688.565
- 201.688.565
1.570.287.768 -
- -
- 1.570.287.768
- -
- 1.570.287.768
- 1.570.287.768
858.423.795 19.235.347
- -
- 877.659.142
- -
- 858.423.795
19.235.347 877.659.142
2.231.166.863 8.926.133
- -
- 2.240.092.996
- -
- 2.231.166.863
8.926.133 2.240.092.996
70.334.416 -
- -
- 70.334.416
49.480 -
49.480 70.383.896
- 70.383.896
131.846.152.122 -
- -
34.684.306 131.880.836.428
100.543.393 -
51.231.736 151.775.129
131.946.695.515 -
85.916.042 132.032.611.557
29.910.864.443 96.835.947
- 31.151.339
- 30.038.851.729
22.809.460 73.845
- 23.188.016
46.071.321 29.933.673.903
96.909.792 -
54.339.355 30.084.923.050
102.095.943.697 126.437.233
29.581.639 63.783.072
60.162.403 102.375.908.044
77.856.439 14.543.259
7.094.118 48.640
88.865.099 188.407.555
102.173.800.136 140.980.492
36.675.757 63.831.712
149.027.502 102.564.315.599
3.919.778.822 -
- -
- 3.919.778.822
2.989.147 -
- -
- 2.989.147
3.922.767.969 -
- -
- 3.922.767.969
10.449.319.587 215.874.125
45.402.448 268.139.953
376.655.490 11.355.391.603
211.075.828 55.617.939
27.943.951 202.960.580
556.352.906 1.053.951.204
10.660.395.415 271.492.064
73.346.399 471.100.533
933.008.396 12.409.342.807
9.077.820.180 409.984.751
76.132.029 12.334.232
303.314.370 9.879.585.562
200.779.623 112.013.167
36.102.637 15.959.379
448.021.696 812.876.502
9.278.599.803 521.997.918
112.234.666 28.293.611
751.336.066 10.692.462.064
10.724.328.847 303.137.005
75.926.409 61.573.939
324.367.220 11.489.333.420
88.699.273 32.668.077
38.491.755 56.285.432
479.118.592 695.263.129
10.813.028.120 335.805.082
114.418.164 117.859.371
803.485.812 12.184.596.549
1.378.306.544 37.762.121
15.107.563 -
17.339.170 1.448.515.398
14.197.983 7.937.106
11.568.926 -
25.611.463 59.315.478
1.392.504.527 45.699.227
26.676.489 -
42.950.633 1.507.830.876
10.723.448.596 -
- -
- 10.723.448.596
- -
- -
- -
10.723.448.596 -
- -
- 10.723.448.596
1 Januari 2015 Lanjutan January 1, 2015 Continued
Lancar Current
Dalam Perhatian Khusus In
Special Mention Kurang Lancar
Substandard Diragukan
Doubtfull Macet
Loss Jumlah
Total
817
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
d. Menurut jangka waktu d.
By term of credit Based on the remaining life of -
Berdasarkan sisa umur jatuh tempo maturity period
Kurang dari 1 tahun Less than 1 year
1 tahun hingga 2 tahun 1 - 2 years
2 tahun hingga 5 tahun 2 - 5 years
Lebih dari 5 tahun More than 5 years
Sub-jumlah Sub total
Dikurangi cadangan kerugian - Less off allowance for -
penurunan nilai impairment losses
Jumlah - Bersih Total-Net
S
Berdasarkan perjanjian Based on agreement
Kurang dari 1 tahun Less than 1 year
1 tahun hingga 2 tahun 1 - 2 years
2 tahun hingga 5 tahun 2 - 5 years
Lebih dari 5 tahun More than 5 years
Sub jumlah Sub total
Dikurangi cadangan kerugian - Less off allowance for -
penurunan nilai impairment losses
Jumlah - Bersih Total - Net
Bellow are other main informations related to loans : 1.
1. 2.
2. 3.
3. 4.
4.
Bentuk kredit Form of Loans
KI Biasa KI - Common
KI Kredit Mitra Usaha Kecil KI - Small Business Partner Credit
KI Kredit Mitra Usaha Mikro KI - Micro Capital Woorking Credit
KI KUK KI - KUK
KI Mikro KI - Micro
KI Mikro Penjaminan KI - Assurance Micro
KK Biasa KK - Common
KK KPR Bank Sulut KK - KPR Bank Sulut
KK Lainnya Other KK
KMK Biasa KK - Common
KMK KUK KMK - KUK
KMK Mikro KMK - Micro
KMK Mikro Penjaminan KMK - Assurance Micro
KMK Mikro Tanpa Agunan KMK - Unsecured Micro
KMK Rekening Koran Biasa KMK - General Bank Statement
KMK Rekening Koran Kontraktor KMK - Contractor Bank Statement
KMK Agunan Deposito KMK - Cash Collateral
KUR Mikro Investasi KUR - Investment Micro
KUR Mikro Modal Kerja KUR - Working Capital Micro
KUR Ritel Investasi KUR - Investment Retail
KUR Ritel Modal Kerja KUR - Working Capital Retail
KK Cash Collateral KK - Cash Collateral
KK Pensiunan PNS KK - Pension of PNS
Kredit Konsumtif Umum General Consumer Credit
31 Desember December 31, 1 Januari January 1,
31 Desember December 31, 1 Januari January 1,
2,66 0,61
1,39 0,97
0,24 0,41
0,01 0,02
0,17 0,03
0,02 0,05
0,00 0,01
0,16 0,03
0,02 0,14
0,16 0,04
0,14 0,00
0,00 0,02
1,14 0,26
0,47 1,40
0,31 0,25
0,00 0,00
0,00 0,00
0,00 0,00
0,13 0,02
0,04 0,02
0,01 0,00
2,41 0,96
2,81 0,31
0,11 1,09
85,23 30,31
88,48 0,01
0,00 0,02
0,00 0,00
0,00 0,00
0,00 0,00
0,06 0,04
0,31 0,08
0,02 0,04
1,36 0,41
0,81 0,32
0,19 1,35
Kredit konsumtif merupakan kredit yang diberikan untuk pegawai negeri sipil di lingkungan Pemerintah Daerah Provinsi Sulawesi Utara dan
Provinsi Gorontalo semua kredit tersebut dijamin oleh PT Asuransi Jiwa Askrida, PT Asuransi Kredit Indonesia Askrindo Persero, PT Asuransi
Umum Bumiputera Muda 1967 BUMIDA, PT Asuransi Ekspor Indonesia ASEI, PT Asuransi Jasa Raharja Putera JP-Insurance, Perusahaan
Umum Perum Jaminan Kredit Indonesia adapun tabel suku bunga atas kredit konsumtif yang diberikan adalah sebagai berikut :
Consumptive loans are loans granted to civil servant PNS in Provincial Government of North Sulawesi and Gorontalo, all loans
are secured by PT Asuransi Jiwa Askrida, PT Asuransi Kredit Indonesia Askrindo Persero, PT Asuransi Umum Bumiputera
Muda 1967 BUMIDA, PT Asuransi Ekspor Indonesia ASEI, PT Asuransi Jasa Raharja Putera JP-Insurance, Perusahaan
Umum Perum Jaminan Kredit Indonesia as for table of rate interest consumptive loan are as follow :
2016 2015
2015
Berikut adalah informasi pokok lainnya sehubungan dengan kredit yang diberikan :
Suku bunga rata-rata pertahun untuk tanggal 31 Desember 2016, 2015 dan 1 Januari 2015 adalah masing-masing sebesar 12,5.
Average annual interest rate on December 31, 2016, 2015 and January 1, 2014 are each of 12,5 respectively.
Kredit yang diberikan pada pihak-pihak yang berelasi dilakukan dengan persyaratan dan kondisi yang sama seperti yang diberikan kepada pihak
lain. Loans to related parties made with the equal term and condition as
granted to other parties. Kredit yang diberikan dijamin dengan deposito, agunan yang diikat
dengan hak tanggungan, surat kuasa untuk hipotik atau menjual atau jaminan yang lain yang umumnya diterima bank.
Loans secured by deposits, covered by mortgage collateral, power of attorney to sell or other acceptable collateral to the bank.
54.331.076.337 46.365.589.331
34.257.787.511 8.828.349.288.610
8.571.661.535.078 7.365.720.094.261
8.114.185.884.830 7.869.392.254.651
6.693.391.215.646 8.882.680.364.947
8.618.027.124.409 7.399.977.881.772
92.832.115.198 74.784.707.620
23.328.128.550 479.709.350.593
599.352.579.691 611.921.313.363
8.828.349.288.610 8.571.661.535.078
7.365.720.094.261 195.953.014.326
74.497.582.447 71.337.224.213
8.882.680.364.947 8.618.027.124.409
7.399.977.881.772 54.331.076.337
46.365.589.331 34.257.787.511
1.102.309.603.470 1.056.682.186.501
1.041.143.053.091 7.282.643.146.676
7.218.964.204.731 6.138.359.970.174
301.263.305.011 196.481.848.021
105.212.879.794 196.464.309.790
145.898.885.156 115.261.978.713
2016 2015
2015
42
818
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
9. KREDIT YANG DIBERIKAN Lanjutan
9. LOANS Continued
Bentuk kredit Form of Loans
KK Pejabat PublikAnggota Dewan KK - Public Officials
KI KUP KIP - KUP
KMK Mikro Sejahtera KMK - Prosperous Micro
KPNS Pra Purnabakti KPNS Pra Purnabakti
KSU Perseorangan Umum KSU - General Individual
KSU Untuk Tokoh Lembaga Agama KSU for Figure of Institution
KMK Kecil Sejahtera KMK - Prosperous Small
KI Mikro Sejahtera KI - Prosperous Micro
KI Kecil Sejahtera KI - Prosperous Small
KPNS Pra THT Credit Pra THT
KMK Kredit Usaha Pegawai KMK - Employee Business Credit
Porsi kredit konsumtif terhadap Consumptive loans portion
total kredit yang diberikan to the total loans
e. e.
Non Performing Loan-Gross Non Performing Loan-Gross
Jumlah Total
Persentase Precentage
Non Performing Loan-Netto Non Performing Loan-Netto
Jumlah Total
Persentase Precentage
f. f.
Saldo awal periode Beginning balance
Penyisihan selama periode berjalan Allowance during the period
Pemulihan selama periode berjalan Reserval during the period
Penerimaan kembali kredit yang - Recovery of written-off loan -
dihapuskan dalam periode berjalan during current year
Saldo akhir periode Ending balance
g. g.
h. h.
i. Pada tahun 2013, PT Bank Sulut berpartisipasi atas penawaran kredit
sindikasi PT
Menara Bumi
Sejahtera berdasarkan
surat No: 083AKRD-PRDDIRXI2013 dengan nilai maksimum partisipasi
sebesar Rp 75.000.000.000,- dari jumlah kredit sindikasi sebesar Rp 294.000.000.000,- atau sebesar 25,51. Bentuk kredit yang
diberikan adalah kredit investasi dan kredit modal kerja dengan perjanjian kredit No: 77NOTARIAL2013 tanggal 29 November 2013,
dengan bunga 11,50 sliding harian, jatuh tempo sampai dengan tanggal 29 November 2019. Fasilitas kredit sindikasi ini bertindak
sebagai Leader Bank adalah PT Bank DKI. In 2013, PT Bank Sulut participate over the supply of syndicated
credit of PT Menara Bumi Sejahtera based on the letter No: 083AKRD-PRDDIRXI2013 with a maximum participation of
Rp 75,000,000,000.- from syndication number of loans as much as Rp 294,000,000,000.- or equal to 25.51. Credit types are
investment credits and working capital credit with credit agreement No: 77NOTARIAL2013 dated November 29, 2013, with interest
rate of 11.50 sliding day, matured until November 29, 2019. The leader bank of syndicated credit facility is PT Bank DKI.
31 Desember December 31, 1 Januari January 1,
31 Desember December 31, 1 Januari January 1,
Pelaksanaan penghapusan kredit dalam tahun berjalan dilaksanakan dengan keputusan direksi. Perhitungan pembentukan penyisihan aset
produktif dilaksanakan sesuai dengan peraturan Bank Indonesia No. 1415PBI2012 tanggal 24 Oktober 2012. Manajemen berkeyakinan
bahwa cadangan kerugian penurunan nilai diatas telah memadai. Implementation of credit written-off in the current year was held by
decision of director. Calculation in forming productive asset was held
in accordance
with Bank
Indonesia regulation
No. 1415PBI2012 dated October 24, 2012. The Management
considered that the provision is adequate. Kredit yang diberikan menurut sektor ekonomi dalam klasifikasi lain-lain
terdiri dari kredit konsumtif dan kredit KPR Bank Sulut. Loans based on economic sector in other classification consist of
consumptive loans and KPR credit of Bank Sulut. Dalam upaya penanganan kredit bermasalah bank senantiasa menjaga
dan memelihara kualitas kredit serta meminimalisir risiko kredit. Untuk itu bank melakukan upaya penyelamatan dan penyelesaian terhadap kredit-
kredit bermasalah yang mencakup penagihan, restrukturisasi kredit, pengalihan debitur atau kompensasi, pencairan agunan, pengajuan klaim
kepada Perusahaan asuransi kredit, penyerahan pengurusan kredit kepada PUPNBUPLN atau Pengadilan Negeri, hapus buku kredit dan
atau cara-cara lain yang dapat ditempuh berdasarkan ketentuan perundang-undangan yang berlaku.
In an effort to manage non-performing loans, bank always maintains and preserves the credit quality as well as minimizes
credit risk. Therefore, bank takes rescuing and settlement effort against
non–performing loans
including colection,
credit restructuring, debtor’s assignment or compensation, collaterals
liquidation, claim charges against credit insurance Companies, assign credit settlement process to PUPNBUPLAN or the District
Courts, credits write–off and or other methods within the corridor of prevailing legislation.
- -
- 54.331.076.337
46.365.589.331 34.257.787.511
7.965.487.006 12.107.801.820
100.725.800.727 -
- 89.287.458.326
2016 2015
2015
46.365.589.331 34.257.787.511
22.819.445.110 Berdasarkan pada peraturan Bank Indonesia No. 152PBI2013 tanggal 20
Mei 2013, rasio kredit non-performing adalah setinggi-tingginya 5 dari jumlah yang diberikan oleh bank. Bank telah membentuk tim khusus untuk
menangani kredit bermasalah melalui SK Direksi. Based on Bank Indonesia regulation No. 152PBI2013 dated May 20,
2013, the ratio of non-perfoming loans as high as 5 of the amount granted by bank. The bank has formed special team to handle non-
performing loans by Decree of the Board of Director.
Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut :
Movements in the allowance for impairment losses of loans are as follow :
44.325.784.586 47.550.408.500
68.598.041.297 0,50
0,55 0,93
83.772.039.832 83.880.024.981
95.099.130.946 0,94
0,97 1,29
Tabel jumlah
kredit non-performing
terdiri dari
kredit dengan
kolektibilitas kurang lancar, diragukan dan macet adalah sebagai berikut :
Table of
total non
perform loans
which consists
of collectibility credit substandard, doubtfull and loss are as
follows :
2016 2015
2015
0,02 0,00
0,00
100 34,62
100
0,01 0,00
0,00 0,00
0,00 0,00
0,01 0,00
0,01 0,16
0,02 0,02
0,16 0,00
0,00 0,12
0,03 0,00
0,28 0,03
0,03 1,81
0,37 0,00
1,22 0,55
1,78 0,00
0,00 0,00
31 Desember December 31, 1 Januari January 1,
2016 2015
2015
819
Laporan Tahunan Bank SULUTGO 2016
| Annual Report
Bank SULUTGO 2016
PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO PT BANK PEMBANGUNAN DAERAH SULAWESI UTARA GORONTALO
CATATAN ATAS LAPORAN KEUANGAN NOTES TO THE FINANCIAL STATEMENTS
UNTUK TAHUN-TAHUN YANG BERAKHIR PADA FOR THE YEARS ENDED ON
31 DESEMBER 2016, 2015 SERTA 1 JANUARI 2015 DECEMBER 31, 2016, 2015 AND JANUARY 1, 2015
Dinyatakan dalam Rupiah penuh, kecuali dinyatakan lain Expressed in Rupiah, unless otherwise stated
10. PENYERTAAN
10. INVESTMENTS
Akun ini terdiri dari : This account consists of :
Klasifikasi penyertaan berdasarkan jenis : Classification of participation based on type :
Penyertaan saham terdiri dari : Investment in shares consist of :
PT BPR Prisma Dana PT BPR Prisma Dana
Dikurangi cadangan kerugian - Less of allowance for -
penurunan nilai impairment losses
Jumlah Total
a. a.
b. Nyonya Astrid Marcella Lumintang, ST. sebesar Rp 2.437.500.000,- b.
c. Koperasi Serba Usaha KSU PRISMA sebesar Rp 32.000.000,-
c. d. Tuan Johanis Untu, SE. sebesar Rp 50.000.000,-
d. Mr. Johanis Untu, SE. amounting to Rp 50,000,000.-
1. 1.
2. 2.
3. 3.
Based on the results of Otoritas Jasa Keuangan for inspection positions May 2016 and PBI No.510PBI2003 about Principle Prudential Equity Activity,
PT. Bank SulutGo is required to establish change the quality of the participation of the
CURRENT be
DOUBTFUL and establish PPAP for 50 of
Participation that has been placed at PT. BPR Prisma Dana. This is due for several years BPR experience performance degradation that resulted in
increased cumulative loss recorded. Berdasarkan hasil pemeriksaan Otoritas Jasa Keuangan untuk posisi pemeriksaan
Bulan Mei 2016 dan PBI No.510PBI2003 tentang Prinsip Kehati-hatian Dalam Kegiatan Penyertaan Modal, PT. Bank SulutGo diwajibkan untuk membentuk
mengubah kualitas
penyertaan dari
LANCAR menjadi
DIRAGUKAN serta
membentuk PPAP sebesar 50 dari Penyertaan yang telah ditempatkan di PT. BPR Prisma Dana. Hal ini disebabkan selama beberapa tahun BPR tersebut mengalami
penurunan kinerja sehingga berdampak terhadap peningkatan kerugian kumulatif yang dibukukan.
Reffering to the above action, the investment in PT BPR Prisma Dana no longer used equity method but used cost method because the investment
available for sale is in short term. Menyetujui dan mengesahkan rekapitalisasi laba ditahan PT BPR Prisma Dana
tahun 2006 sebesar Rp 88.000.000,- sebagai tambahan modal disetor atau penyertaan Bank pada PT BPR Prisma Dana.
Agree and legalized retained earning recap of PT BPR Prisma Dana year 2006 amounting to Rp 88,000,000.- as additional paid up capital or Bank
investment in PT BPR Prisma Dana. Tidak menyetujui adanya penambahan modal disetor atau penyertaan Bank
kepada PT BPR Prisma dana sebesar maksimal Rp 10.000.000.000,-. Disagree the additional paid up capital or Bank investment in PT BPR
Prisma Dana maximum up to Rp 10,000,000,000.-. Bank keluar sebagai pemegang saham pada PT BPR Prisma Dana dan
menugaskan direksi untuk menarik seluruh modal dan mengalihkan saham Bank yang ada di PT BPR Prisma dana.
Bank release as shareholder on PT BPR Prisma Dana and authorized the Director for withdraws and hand over the Bank shares in PT BPR Prisma
Dana.
2016 2015
2015
977.500.000 977.500.000
1.824.685.866
31 Desember December 31, 1 Januari January 1,
Berdasarkan akta Risalah Rapat Luar Biasa PT BPR Prisma Dana No. 1 tanggal 1 Oktober 2014 telah menyetujui dan mengesahkan penambahan modal ditempatkan
dan disetor ke dalam perseroan yaitu, dari sebesar Rp 7.852.000.000,- menjadi sebesar Rp 12.874.000.000,-. Tambahan setoran modal sebesar Rp 5.022.000.000,-
berasal dari setoran tunai dan akan diambil dari Saham Dalam Simpanan Perseroan berdasarkan persetujuan rapat oleh sebagian dari pemegang saham, antara lain
sebagai berikut: Based on the deed of Extraordinary Meeting of PT BPR Prisma Dana No. 1
dated October 1, 2014 has been approved and ratified the increase in subscribed
and paid
in capital
into the
Company, namely,
from Rp 7,852,000,000.- to Rp 12,874,000,000.-. Additional capital injection of
Rp 5,022,000,000.- derived from a cash deposit and will be taken from Shares in Company Deposit based on meeting approval by majority of the
shareholders, among others, as follows: Tuan Henry Mark Pierre Lumintang, ST. SE., sebesar Rp 2.502.500.000,-
Mr. Henry
Mark Pierre
Lumintang, ST.
SE., amounting
to Rp 2,502,500,000.-
Mrs. Astrid Marcella Lumintang, ST. amounting to Rp 2,437,500,000.- Koperasi
Serba Usaha
KSU PRISMA
amounting to
Rp 32,000,000.-
488.750.000 977.500.000
1.824.685.866
Sehubungan dengan adanya persetujuan penambahan modal ditempatkan dan disetor tersebut, PT Bank Sulut tidak melakukan penambahan atas kepemilikan
saham pada PT BPR Prisma Dana sehingga mengakibatkan kepemilikan saham di perseroan ini terdelusi dari persentase kepemilikan saham sebesar 12,45 menjadi
sebesar 7,59. PT Bank Sulut menyatakan setuju dan tidak keberatan dengan adanya setoran tambahan tersebut.
In connection with the approval of the increase of subscribed and paid in capital, PT Bank Sulut did not add its ownership of stock in PT BPR Prisma
Dana that arising shareholding in this company deluded from 12.45 ownership to become 7.59. PT Bank Sulut agreed and did not mind with the
additional deposit.
Berdasarkan surat Direksi No. 496BPKT-DIRVII2008 tertanggal 2 Juli 2008, Direksi PT Bank Sulut melaporkan kepada Dewan Komisaris mengenai tindak lanjut
keputusan RUPSLB Bank tentang penambahan modal PT BPR Prisma Dana
sebesar Rp 6.500.000.000,- untuk menjadikan PT BPR Prisma Dana sebagai Anak Perusahaan. Tetapi setelah RUPSLB PT BPR Prisma Dana Pemegang saham
mayoritas menolak rencana penambahan modal oleh Bank maka Bank menarik kembali seluruh penempatan dana pada PT BPR Prisma Dana sisa yang ada
menunggu jatuh tempo, mengakhiri perjanjian kerjasama dalam rangka collection kredit dan mengusahakan secepatnya penjualan atau pengalihan milik Bank pada
PT BPR Prisma Dana dan penjualan atau pengalihan saham ini diupayakan telah selesai sampai dengan akhir tahun 2008.
Based on the Director Letter No.496BPKT-DIRVII2008 dated July 2, 2008, Directors of PT Bank Sulut have reported to Board of Commissioners regarding
folow up on the Extraordinary General Meeting of Shareholders of Bank regarding capital increase of PT BPR Prisma Dana amounting to Rp
6,500,000,000.- to make PT BPR Prisma Dana as Subsidiary. Considering result of Extraordinary General Meeting of Shareholders of PT BPR Prisma
Dana, the majority of shareholders refused additional paid up capital plan by Bank, then Bank has withdraw all fund placement in PT BPR Prisma Dana
remaining balance is waitting for maturity, end cooperation agreement in credit collection and trying as soon as possible to sell Companys share in
PT BPR Prisma Dana, and selling or diversion of those shares were attempting to
be finished until the end of 2008. Berdasarkan Rapat Umum Pemegang Saham PT Bank Sulut
yang diaktakan dengan akta No.128 tanggal 24 November 2008 oleh M.S.E. Pangemanan, S.H.,
Notaris di Manado, pemegang saham memutuskan sebagai berikut : Based on the Extraordinary General Meeting of Shareholders of PT Bank Sulut
dated November 24, 2008 notarized by the Deed No.128 by M.S.E. Pangemanan, S.H., notary in Manado, shareholders decided to :
Berdasarkan tindakan tersebut penyertaan pada PT BPR Prisma Dana tidak lagi menggunakan metode ekuitas tetapi menggunakan metode biaya karena penyertaan
yang dimiliki untuk dijual dalam jangka pendek. 488.750.000
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