PT. Bank Syariah Bukopin dh PT. Bank Persyarikatan Indonesia
Catatan atas Laporan Keuangan Untuk tahun yang berakhir pada tanggal-tanggal
31 Desember 2008 dan 2007
Dalam Rupiah PT. Bank Syariah Bukopin
formerly Bank Persyarikatan Indonesia
Notes for Financial Statement
For the year ended on 31st of December 2008 and 2007
In Rupiah
44
2008 2007
30. Beban operasional lainnya
Beban umum dan administrasi terdiri dari:
Barang dan jasa Beban penyusutan aktiva tetap
Pemeliharaan dan perbaikan Sewa
Pendidikan dan pelatihan Pajak
Proses kredit Promosi
Asuransi Rekening konversi lainnya
Jumlah beban umum dan administrasi
Beban tenaga kerja, terdiri dari: Gaji dan upah
Tunjangan transport dan makan Lembur
Imbalan kerja Pesangon
THRbonus Tunjangan kesehatan
Asuransi tenaga kerja Tunjangan pajak
Jumlah beban personalia Beban penyisihan penghapusan
aktiva produktif, terdiri dari: Antar bank
Kredit dan pembiayaan Aset lainnya
Jumlah beban penyisihan penghapusan aktiva produktif
Jumlah beban operasional lainnya
3,290,008,351 1,070,235,191
554,350,548 757,761,004
778,652,878 1,338,163,045
363,093,198 275,296,861
122,084,278 19,836,271
8,569,481,625 7,042,303,527
1,571,447,000 750,589,084
337,329,000 135,089,430
759,066,640 430,904,525
220,351,515
- 11,247,080,721
45,176,632 1,300,592,732
132,337,578 1,478,106,941
21,294,669,288 2,914,440,824
1,199,616,116 525,367,565
411,128,176 323,448,043
323,234,067 203,067,086
100,366,686
97,069,194 -
6,097,737,757 6,542,826,172
1,335,525,000 641,491,850
720,102,000 589,979,030
550,882,747 538,639,346
164,668,744
590,451 11,084,705,340
938,667,379 335,792,320
88,587 1,274,548,286
18,456,991,384
30. Other operational expenses
General and administration expenses consisting of:
Goods and service Fixed asset Depreciation cost
Maintenance and repairs Lease
Education and training Tax
Credit process Promotion
Insurance Other conversion account
Total of general and administration expenses
Labor expenses, consisting of: Salary and wage
Transporation and meal allowance Overtime
Work compensation Severance pay
Public Holiday allowancebonus Health allowance
Labor insurance Tax allowance
Total of personnel expenses Expense of write off profision of
productive assets, consisting of: Inter bank
Credit and financing Other assets
Total of allowance of write off expenses of productive assets
Total of other operational expenses
PT. Bank Syariah Bukopin dh PT. Bank Persyarikatan Indonesia
Catatan atas Laporan Keuangan Untuk tahun yang berakhir pada tanggal-tanggal
31 Desember 2008 dan 2007
Dalam Rupiah PT. Bank Syariah Bukopin
formerly Bank Persyarikatan Indonesia
Notes for Financial Statement
For the year ended on 31st of December 2008 and 2007
In Rupiah
45
31. Pendapatan beban non-operasional 31. Non-operational revenue expenses