Penempatan pada Bank Indonesia Placement with Bank Indonesia Efek-efek dan Obligasi Pemerintah Marketable securities and Government
PT BANK WOORI SAUDARA INDONESIA 1906 Tbk formerly PT BANK HIMPUNAN SAUDARA 1906 Tbk
NOTES TO FINANCIAL STATEMENTS DECEMBER 31, 2014 AND 2013 AND
FOR THE YEARS THEN ENDED Continued
- 29 - Lihat Catatan 3e untuk kebijakan akuntansi
atas pinjaman yang diberikan dan piutang. Refer to Note 3e for the accounting policy of
loans and receivables.
Giro wajib minimum Minimum statutory reserves
Sesuai dengan Peraturan Bank Indonesia PBI
No. 1515PBI2013
tanggal 24 Desember 2013 yang berlaku efektif sejak
31 Desember 2013, tentang Giro Wajib Minimum Bank Umum pada Bank Indonesia
dalam Rupiah dan Valuta Asing, setiap bank di Indonesia diwajibkan mempunyai saldo giro
minimum di Bank Indonesia untuk cadangan likuiditas. Giro Wajib Minimum GWM dalam
Rupiah terdiri dari GWM Primer ditetapkan sebesar 8 dan GWM Sekunder ditetapkan
sebesar 4, serta GWM Loan to Deposit Ratio LDR sebesar perhitungan antara
parameter disinsentif bawah atau parameter disinsentif atas dengan selisih antara LDR
bank dan LDR target dengan memperhatikan selisih antara Kewajiban Penyediaan Modal
Minimum KPMM bank dan KPMM Insentif. GWM dalam Dolar Amerika Serikat ditetapkan
sebesar 8. In
accordance with
Bank Indonesia
Regulation PBI No. 1515PBI2013 dated December 24, 2013 which is effective starting
December 31, 2013, regarding Minimum Statutory Reserves GWM with Bank
Indonesia in Rupiah and Foreign Currencies, each bank in Indonesia is required to maintain
minimum
deposit balances
with Bank
Indonesia, as liquidity reserve. The GWM in Rupiah consists of Primary GWM which is set
at 8 and the Secondary GWM which is set at 4, and GWM Loan to Deposit Ratio LDR
GWM which is determined based on parameters under disincentive and over
disincentive for the difference between the banks LDR and target LDR by taking into
account the difference between the banks Capital Adequacy Ratio CAR and CAR
incentive. GWM in the United States Dollar is set at 8.
GWM Utama adalah simpanan minimum yang wajib dipelihara oleh bank dalam bentuk saldo
rekening giro pada Bank Indonesia yang besarnya ditetapkan oleh Bank Indonesia
sebesar persentase tertentu dari DPK. Primary Statutory Reserve is the minimum
deposit that should be maintained by a bank in current accounts with Bank Indonesia as a
certain percentage
of TPF
which is
determined by Bank Indonesia. GWM Sekunder adalah cadangan minimum
yang wajib dipelihara oleh bank dalam bentuk Sertifikat Bank Indonesia “SBI”, Surat Utang
Negara “SUN” danatau Excess Reserve, yang
besarnya ditetapkan
oleh Bank
Indonesia sebesar persentase tertentu. Secondary Statutory Reserve is the minimum
reserve that should be maintained by a bank in form of Bank Indonesia Cerfificates “SBI”,
Government Debent ure Debt “SUN” andor
Excess Reserve, as a certain percentage determined by Bank Indonesia.