PENDAPATAN BUNGA INTEREST REVENUES
NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014
AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 96 - Sesuai
Peraturan Bank
Indonesia PBINo.73PBI2005 tanggal 20 Januari 2005
mengenai Batas Maksimum Pemberian Kredit BMPK Bank Umum yang sebagian pasalnya
diubah dengan PBI No .813PBI2006 tanggal 5 Oktober 2006, pinjaman yang diberikan dengan
jaminan tunai dikecualikan dari BMPK. Pada tanggal 30 September 2015 dan 31 Desember
2014, jumlah pinjaman yang diberikan kepada pihak berelasi yang dijamin oleh agunan tunai
adalah masing- masing sebesar Rp 41.131 juta, dan Rp6.201 juta.
In accordance with Bank Indonesia Regulation PBI No. 73PBI2005 dated January 20, 2005
regarding Legal Lending Limit for Commercial Bank
which amended
partially by
PBI No. 813PBI2006 dated October 5, 2006, loans
with cash collateral are exempted from Legal Lending Limit. As of September 30, 2015 and
December 31, 2014, loans to related parties that are secured by cash collaterals amounting to Rp
41,131 million and Rp6,201 million, respectively.
30 September 30 September
September 2015 September 2014
Rp Juta Rp Juta
Rp Million Rp Million
Pendapatan bunga Interest revenues
Dewan Komisaris dan Dewan Direksi Board of Commissioners, Directors
dan karyawan kunci 2,209
37 and key employees
Persentase bunga terhadap jumlah pendapatan
0.193 0.015
Percentage to total interest revenues
Beban bunga 10,315
532 Interest expense
Persentase bunga terhadap jumlah beban 1.759
1.468 Percentage to total interest expense
Bank tidak memiliki transaksi atau utangpiutang dengan pihak berelasi yang tidak berhubungan
dengan kegiatan utama Bank. The Bank does not have any transaction or
payablereceivable with related parties having no relation to the Bank‟s main business.
40. KOMITMEN DAN KONTINJENSI 40. COMMITMENTSAND CONTINGENCIES
Seperti di dalam bisnis normal perbankan,Bank mempunyai komitmen dan kontinjensi.
As part of normal banking business, the Bank has commitments and contingencies.
Ikhtisar komitmen dan kontinjensi Bank yang dinyatakan dalam nilai kontrak setara dengan
mata uang Rupiah adalah sebagai berikut: The following is a summary of the Bank
‟s commitments and contingencies at the equivalent
Rupiah contractual amounts:
NOTES TO FINANCIAL STATEMENTS SEPTEMBER 30, 2015, AND 2014
AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 97 -
30 September 31 Desember
September 2015 December 2014
Rp Juta Rp Juta
Rp Million Rp Million
KOMITMEN COMMITMENTS
Liabilitas komitmen: Commitment payables:
Fasilitas pinjaman yang diberikan yang belum digunakan
11,070 2,118,817
Unused loan facility Irrevocable letters of credit yang
Outstanding irrevocable masih berjalan
181,179 283,992
letters of credit
KONTINJENSI CONTINGENCIES
Tagihan kontinjensi: Contingencies receivables:
Garansi yang diterima 1,131,099
964,781 Received guarantee
Pendapatan bunga Interest receivable on
dalam penyelesaian 48,918
40,254 non-performing assets
Liabilitas kontinjensi: Contingencies payables:
Bank garansi yang diterbitkan 268,674
326,031 Bank guarantees issued
Bersih 1,543,104
1,723,805 Net
Semua irrevocable letters of credit yang masih berjalan dan bank garansi yang diterbitkan
memiliki kolektibilitas lancar. Alloutstandingirrevocablelettersofcreditand
issued bank guarantees are categorised as current.
Bank tidak memiliki bank garansi dengan pihak berelasi pada tanggal 30 September 2015 dan 31
Desember 2014. There is no bank guarantees with related party as
of September 30, 2015 and December 31, 2014, respectively.
Bank mengeluarkan bank garansi sebagai perjanjian penanggungan, dimana bank bertindak
sebagai penanggung bagi nasabah yang menjadi debitur dalam mengadakan suatu perjanjian
dengan pihak lain sebagai kreditur. The
Bank issued
bank guarantees
as underwriting agreements, in which the Bank acts
as a guarantor for the customers, becoming a debtor bound in an agreement with other parties
as the creditors.
41. JASA KUSTODIAN 41. CUSTODIALSERVICES
Berdasarkan Surat Keputusan Otoritas Jasa Keuangan
dahuluBAPEPAM-LKNo.KEP- 01BLKstd2007 tanggal 12 September 2007,
Bank telah memperoleh izin untuk memberikan jasa kustodian dan telah melakukan kegiatan
operasionalnya sejak tanggal 8 Oktober 2007. Based on the Financial Service Authority
previouslyBapepam-LK Decision Letter No. KEP-01BLKstd2007 dated September12, 2007,
the Bank obtained an approval to provide custodial services and has commenced its
operational on October 8, 2007.
Bank memberikan jasa-jasa kustodian, antara lain, pengadministrasian surat-surat berharga,
pengadministrasian dana dan laporan dan informasi.
The Bank provides the following custodial services
administration of
securities, administration
of funds
and report
and information.