Berdasarkan sektor ekonomi By economic sector
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 63 - 14. Pada tanggal 30 Juni 2015 dan 31 Desember
2014, rincian kredit bermasalah menurut sektor ekonomi adalah sebagai berikut:
14. As of June 30, 2015 and December 31, 2014, the details of non-performing loans
based on economic sector are as follows:
Penyisihan Penyisihan
Kredit penurunan
Kredit penurunan
bermasalah nilai
bermasalah nilai
Non-performing Allowance for
Non-performing Allowance for
loans impairment losses
loans impairment losses
Rp Juta Rp Juta
Rp Juta Rp Juta
Rp Million Rp Million
Rp Million Rp Million
Rupiah Rupiah
Kredit modal kerja 113,396
51,427 123,346
35,467 Working capital loans
Kredit investasi 50,197
18,009 66,134
9,985 Investment loans
Kredit konsumsi 108,110
41,555 98,882
38,018 Consumer loans
Jumlah 271,703
110,991 288,362
83,470 Total
Valuta asing Foreign currencies
Kredit modal kerja 73,321
11,499 -
- Working capital loans
Kredit investasi -
- -
- Investment loans
Kredit konsumsi -
- -
- Consumer loans
Jumlah 73,321
11,499 -
- Total
Jumlah 345,025
122,490 288,362
83,470 Total
30 JuniJune 2015 31 DesemberDecember 2014
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 64 - 15. Mutasi cadangan kerugian penurunan nilai
adalah sebagai berikut: 15. The changes in the allowance for impairment
losses are as follows:
30 Juni 31 Desember
June 2015 December 2014
Rp Juta Rp Juta
Rp Million Rp Million
Saldo awal tahun
161,680 4,028
Balance at beginning of year Penambahan dari penggabungan
usaha
- 150,702
Additions from merger Penyisihan pemulihan
Provision reversal of provision tahun berjalan Catatan 36
1,893 69,297
during the year Note 36 Akrual bunga pada kredit yang
Accrued interest on impaired mengalami penurunan nilai
33,889 8,671
loans Penghapusan
1,155 53,723
Write-off Selisih kurs
- 47
Exchange rate differences Saldo akhir
196,307 161,680
Balance
Manajemen berpendapat bahwa cadangan kerugian penurunan nilai kredit adalah cukup
untuk menutup kerugian yang mungkin timbul akibat tidak tertagihnya kredit.
Management believes that the allowance for impairment losses on loans is adequate to
cover the losses which might arise from uncollectible loans.
16. Mutasi kredit yang dihapus buku adalah sebagai berikut:
16. The changes in the loans written off are as follows:
Valuta asing Valuta asing
Foreign Foreign
Rupiah currencies
Rupiah currencies
Rp Juta US Juta
Rp Juta US Juta
Rp Million US Million
Rp Million US Million
Saldo awal tahun 107,661
8 10,200
4 Balance at beginning of year
Penambahan dari penggabungan usaha
- -
97,461 -
Addition from merger Penambahan dalam tahun
berjalan 1,155
- -
4 Additions during the year
Saldo akhir 108,816
8 107,661
8 Balance
30 JuniJune 2015 31 DesemberDecember 2014
17. Nilai tercatat biaya perolehan diamortisasi dari kredit yang diberikan adalah sebagai berikut:
17. The carrying amount of loans at amortised cost is as follows:
30 Juni 31 Desember
June 2015 December 2014
Rp Juta Rp Juta
Rp Million Rp Million
Kredit 12,715,702
11,468,312 Loans
Pendapatan bunga yang masih akan Accrued interest income
diterima Catatan 14 72,343
65,530 Note 14
Bunga diterima dimuka Interest received in advance
Catatan 28 10,965
13,220 Note 28
Cadangan kerugian penurunan nilai 196,307
161,680 Allowance for impariment losses
Jumlah - bersih 12,580,773
11,358,942 Total - net
NOTES TO FINANCIAL STATEMENTS JUNE 30, 2015, 2014 AND DECEMBER 31, 2014
Expressed in million Rupiah, unless otherwise stated Continued
- 65 - 10. TAGIHAN DAN LIABILITAS AKSEPTASI