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PERISTIWA SETELAH TANGGAL NERACA KONDISI EKONOMI Grup Komersial

264 Laporan Tahunan 2009 Annual Report This page is intentionally left blank Laporan Tahunan 2009 Annual Report 265 266 Laporan Tahunan 2009 Annual Report Laporan Tahunan 2009 Annual Report 267 R.1.10460310 Notes 2009 2008 ASSETS Cash 2.a, 2.s, 3 529,314,823,675 397,591,193,162 Current Accounts With Bank Indonesia 2.a, 2.c, 2.s, 4 671,307,425,872 501,322,580,385 Current Accounts With Other Banks Net of allowance for possible losses as of December 31, 2009 and 2008 amounting of Rp 8,154,983,439 and Rp 6,705,236,895, respectively 2.d, 2.i, 2.s, 5 254,658,756,591 39,078,698,060 Placements with Other Banks and Bank Indonesia Net of allowance for possible losses as of December 31, 2009 and 2008 Amounting of Rp 5,350,000,000 and Rp 563,497,000, respectively 2.e, 2.i, 2.s, 6 2,113,768,520,986 661,167,272,156 Securities Net of allowance for possible losses as of December 31, 2009 and 2008 amounting of Rp 7,705,181,873 and Rp 8,708,369,187, respectively 2.f, 2.i, 2.s, 7 4,469,838,274,500 5,005,405,832,993 Reverse Repo Loans 2.g, 8 148,040,334,915 277,151,136,620 Third Parties Related Parties 2.h, 2.i, 9 6,763,916,531,946 6,242,410,434,621 Net of allowance for possible losses as of December 31, 2009 and 2008 amounting of Rp 233,685,960,389 and Rp 229,908,493,326, respectively 2.b, 33 5,902,607,618 5,064,117,558 Total Loans 6,769,819,139,564 6,247,474,552,179 Investments In Shares of Stocks Net of allowance for possible losses as of December 31, 2009 and 2008 amounting of Rp 9,266,000, respectively 2.i, 2.j, 10 917,334,000 917,334,000 Fixed Assets Net of accumulated depreciation as of December 31, 2009 and 2008 amounting of Rp 138,130,317,169 and Rp 120,651,815,585, respectively 2.k, 11 180,664,519,577 171,453,982,571 Deferred Tax Assets 2.t, 20.d 22,928,618,151 20,800,287,825 Prepaid Taxes 2.t, 20.a 1,228,771,982 6,032,566,180 Accrued Income 12 151,449,783,902 178,347,650,000 Prepaid Expense 2.l 10,310,541,337 14,992,801,471 Other Assets 2.m, 13 16,837,964,936 25,428,612,820 TOTAL ASSETS 15,341,084,809,988 13,547,164,500,422 an integral part of these Financial Statements i PT BANK DKI Expressed in Rupiah, Unless Otherwise Stated BALANCE SHEETS AS OF DECEMBER 31, 2009 AND 2008 See the Accompanying Notes which are 268 Laporan Tahunan 2009 Annual Report R.1.10460310 Notes 2009 2008 LIABILITIES AND STOCKHOLDERS EQUITY LIABILITIES Current Liabilities 14 348,175,713,196 334,024,568,972 Deposits From Customers Third Parties 2.n, 15 12,212,260,313,757 9,659,352,930,633 Related Parties 2.b, 33 21,911,117,944 19,547,851,816 Deposits From Other Bank 2.o, 16 700,473,654,249 1,047,330,383,803 Securities Issued 2.p, 17 747,280,862,371 1,192,132,491,543 Borrowing 18 210,307,724,494 286,535,199,057 Taxes Payable 2.t, 20.b 27,486,631,248 34,046,031,895 Estimated Losses on Commitments and Contingencies 2.i, 34 4,887,777,860 3,454,729,609 Employee Liabilities Benefit 2.u, 31 - - Accruals and Other Liabilities 19 161,539,836,847 158,414,606,068 Total Liabilities 14,434,323,631,966 12,734,838,793,396 STOCKHOLDERS EQUITY Capital Stock - par value per share Rp 1,000,000 Authorized - 1,500,000 shares Issued and Fully Paid-In capital 200,000 Series A shares and 400,325 Series B shares 21 600,325,000,000 600,325,000,000 Paid-In Capital Others Advance Payments for Share Subscription 22 10,835,429,782 866,832 Retained Earnings - Appropriated 23 General Reserve 134,880,376,657 90,563,376,657 Special Reserve 20,028,256,154 5,028,256,154 Retained Earnings - Unappropriated 140,692,115,429 116,408,207,383 Total Stockholders Equity 906,761,178,022 812,325,707,026 TOTAL LIABILITIES AND STOCKHOLDERS EQUITY 15,341,084,809,988 13,547,164,500,422 ii PT BANK DKI BALANCE SHEETS Continued AS OF DECEMBER 31, 2009 AND 2008 Expressed in Rupiah, Unless Otherwise Stated an integral part of these Financial Statements See the Accompanying Notes which are Laporan Tahunan 2009 Annual Report 269 R.1.10460310 Notes 2009 2008 OPERATING INCOME AND EXPENSES Interest Income Interest 2.q, 24 1,587,926,215,042 1,391,071,268,628 Fees and Commissions 2.r 73,284,334,348 33,965,639,935 Total Interest Income 1,661,210,549,390 1,425,036,908,563 Interest Expenses Interest 2.q, 25 858,927,378,161 752,613,923,402 Fees and Commissions 2.r 14,700,000 10,500,000 Total Interest Expenses 858,942,078,161 752,624,423,402 Interest Income - Net 802,268,471,229 672,412,485,161 OTHER OPERATING INCOME Fees and Commissions from Non Loans Transactions 16,187,641,391 12,695,327,900 Loss on Foreign Exchange Transactions- Net 2.s 3,313,536,124 176,493,885 Unrealized Gains Losses on Valuation to Market of Trading Securities- Net 2.f 752,342,148 708,708,449 Gains on Sales of Securities - Net 21,892,423,502 17,703,551,154 Others - Net 26 67,573,662,861 61,655,508,882 Total Other Operating Income 108,214,921,729 92,586,602,500 Provision for Possible Losses on Assets 2.i, 27 33,020,025,772 53,987,207,049 Provision for Reversal of Possible Losses on Commitments and Contingencies 2.i 1,059,452,986 1,104,887,153 OTHER OPERATING EXPENSES General and Administrative Expenses 28 153,460,889,861 126,441,187,829 Personnel Expenses 2.u, 29 386,144,970,937 322,749,736,298 Promotion 27,112,644,626 28,507,124,342 Others 105,509,387,513 75,987,850,054 Total Other Operating Expenses 672,227,892,937 553,685,898,523 INCOME FROM OPERATIONS 204,176,021,263 156,221,094,936 NON OPERATING INCOME EXPENSE - NET 30 2,991,343,840 15,726,525,421 INCOME BEFORE INCOME TAX 201,184,677,423 171,947,620,358 INCOME TAX EXPENSE BENEFIT Current 2.t, 20.c 62,620,892,320 60,985,209,500 Deferred 2.t, 20.d 2,128,330,326 5,445,796,525 60,492,561,994 55,539,412,975 NET INCOME 140,692,115,429 116,408,207,383 NET INCOME PER SHARE 2.v 234,360 193,909 PT BANK DKI STATEMENTS OF INCOME iii FOR THE YEARS ENDED Expressed in Rupiah, except for basic earnings per share See the Accompanying Notes which are an integral part of these Financial Statements DECEMBER 31, 2008 AND 2007 L ap o ran T ah u n an 2009 An n u al Re p o rt R.1.10460310 Notes Issued and Advance Payments Unrealized Gains on Current Year Total Fully Paid for Share Valuation to Market Income Stockholders Capital Subscription of Available-for-Sale Equity Securities Unappropriated Appropriated BALANCE AS OF DECEMBER 31, 2007 600,325,000,000 866,832 - 70,563,376,657 4,028,256,154 72,390,965,416 747,308,465,058 Net Income Distribution: Dividens 22 - - - - - 51,091,000,000 51,091,000,000 Unappropriate Reserves 22 - - - 20,000,000,000 - 20,000,000,000 - Appropriated Reserves 22 - - - - 1,000,000,000 1,000,000,000 - Welfare Funds 22 - - - - - 299,965,416 299,965,416 Advance Payments for Share Subscription 22 - - - - - - - Unrealized Gains on Valuation to Market of Available-for-Sale Securities 2.f - - - - - - - Net Income - - - - - 116,408,207,383 116,408,207,383 BALANCE AS OF DECEMBER 31 2008 600,325,000,000 866,832 - 90,563,376,657 5,028,256,154 116,408,207,383 812,325,707,026 Net Income Distribution: Dividens 23 - - - - - 54,091,000,000 54,091,000,000 Unappropriate Reserves 23 - - - 44,317,000,000 - 44,317,000,000 - Appropriated Reserves 23 - - - - 15,000,000,000 15,000,000,000 - Welfare Funds 23 - - - - - 3,000,207,382 3,000,207,382 Advance Payments for Share Subscription 22 - 10,834,562,950 - - - - 10,834,562,950 Unrealized Gains on Valuation to Market of Available-for-Sale Securities 2.f - - - - - - - Net Income - - - - - 140,692,115,429 140,692,115,429 BALANCE AS OF DECEMBER 31, 2009 600,325,000,000 10,835,429,782 - 134,880,376,657 20,028,256,154 140,692,115,429 906,761,178,022 The original financial statements are in Indonesian Language. PT BANK DKI STATEMENTS OF CHANGES IN STOCKHOLDERS’ EQUITY an integral part of these Financial Statements iv Retained Earnings FOR THE YEARS ENDED DECEMBER 31, 2009 AND 2008 Expressed in Rupiah See the Accompanying Notes which are Laporan Tahunan 2009 Annual Report 271 R.1.10460310 2009 2008 CASH FLOWS FROM USED IN OPERATING ACTIVITIES Interest Income 1,420,131,301,926 1,391,071,268,628 Interest Fees and Commissions Received 73,284,334,348 33,965,639,935 Recovery of Written-Off Loans 16,345,129,214 28,137,613,476 Gain on Foreign Exchange - Net 3,313,536,124 11,450,268,517 Interest Expenses, Fees and Commissions 830,684,050,090 752,624,423,402 Payment to Directors and Employees 321,380,637,741 322,749,736,298 Payment of Income Tax 55,829,356,000 60,985,209,500 Other Operating Expenses - Net 264,544,424,509 248,051,235,298 Other Operating Income - Net 104,901,385,606 92,854,099,433 Non Operating Income Expense - Others 8,584,168,367 2,864,392,061 Income before Changes in Operating Assets and Liabilities 136,953,050,509 170,203,893,430 Changes in Operating Assets and Liabilities Increase Decrease in: Placements with Other Banks and Bank Indonesia 1,457,387,751,830 1,167,936,538,756 Securities 665,681,547,512 1,777,680,672,650 Loans 549,110,823,318 1,519,925,628,357 Accrued Income 4,682,260,134 54,525,407,552 Other Assets 187,034,963,829 64,388,389,201 Decrease Increase in: Current Liabilities 5,613,188,972 614,243,053,620 Demand Deposits 699,717,823,214 1,673,055,498,556 Savings 230,626,251,514 345,463,533,711 Time Deposits 1,278,069,844,971 384,424,891,234 Securities Issued 444,851,629,172 689,067,630,215 Other Liabilities 83,483,734,259 1,053,949,424,946 Net Cash Flows From Used In Operating Activities 662,318,614,133 525,783,812,022 CASH FLOWS FROM USED IN INVESTING ACTIVITIES Acquistion of Fixed Assets 26,689,038,590 16,960,299,278 Sales of Fixed Assets 5,592,824,527 - Net Cash Used in Investing Activities 21,096,214,063 16,960,299,278 CASH FLOWS FROM USED IN FINANCING ACTIVITIES Borrowings 76,227,474,563 220,089,026,553 Payments of borrowing - - Advance Payments for Share Subscription 10,834,562,950 - Net Income Distribution: Dividends Paid 54,091,000,000 51,091,000,000 Tantiem Payments - 21,000,000,000 Fund Benefits 3,000,207,382 299,965,416 Net Cash Flows From Used In Financing Activities 122,484,118,995 189,698,061,137 NET INCREASE DECREASE IN CASH AND CASH EQUIVALENTS 518,738,281,075 353,046,050,163 CASH AND CASH EQUIVALENTS AT THE BEGINNING OF YEAR 944,697,708,502 1,297,743,758,665 CASH AND CASH EQUIVALENTS AT THE END OF YEAR 1,463,435,989,577 944,697,708,502 Cash and Cash Equivalents consist of: Cash 529,314,823,675 397,591,193,162 Current Accounts with Bank Indonesia 671,307,425,872 501,322,580,385 Current Accounts with Other Banks 262,813,740,030 45,783,934,955 Total 1,463,435,989,577 944,697,708,502 v DECEMBER 31, 2009 AND 2008 Expressed in Rupiah See the Accompanying Notes which are an integral part of these Financial Statements PT BANK DKI STATEMENTS OF CASH FLOWS FOR THE YEARS ENDED ON 272 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 1 . G E N E R A L a . E s ta b lis h m e n t o f B a n k P T B a n k D K I B a n k w a s p r e v io u s ly a re g io n a l g o v e r n m e n t b a n k , o w n e d b y R e g io n a l G o v e r n m e n t o f D K I J a k a rt a , e s t a b lis h e d b a s e d o n th e L a w N o . 1 3 o f 1 9 6 2 r e g a r d in g P r in c ip le B a s ic S tip u la t io n o f R e g io n a l D e v e lo p m e n t B a n k s a n d a m e n d e d la s t w it h J a k a rt a R e g io n a l G o v e r n m e n t R e g u la t io n N o . 1 o f 1 9 9 3 d a te d J a n u a r y 1 5 , 1 9 9 3 , th a t c h a n g e d th e a u th o riz e d c a p it a l fr o m R p 5 0 ,0 0 0 ,0 0 0 ,0 0 0 to R p 3 0 0 ,0 0 0 ,0 0 0 ,0 0 0 u n t il M a y 5 , 1 9 9 9 a n d s in c e M a y 6 , 1 9 9 9 , th e B a n k h a s c h a n g e d t o a lim it e d c o m p a n y w it h a u t h o r iz e d c a p it a l o f R p 7 0 0 ,0 0 0 ,0 0 0 ,0 0 0 . T h e c h a n g e s fr o m a r e g io n a l g o v e r n m e n t b a n k to a lim it e d c o m p a n y h a s b e e n a p p r o v e d b y R e g io n a l G o v e r n m e n t o f D K I J a k a rt a w it h R e g io n a l R e g u la tio n N o .1 o f 1 9 9 9 d a te d F e b r u a ry 1 , 1 9 9 9 a n d w a s n o ta riz e d u n d e r n o t a r ia l d e e d N o . 4 d a te d M a y 6 , 1 9 9 9 o f H a r u n K a m il, S .H ., a n d h a s b e e n a p p ro v e d b y th e M in is t e r o f J u s t ic e in h is L e tt e r o f D e cr e e N o . C -8 2 7 0 .H T .0 1 .0 1 - T h .9 9 d a te d M a y 7 , 1 9 9 9 a n d h a s b e e n p u b lis h e d in S ta te G a z e tte N o . 4 5 , A d d itio n a l N o .3 2 8 3 d a te d Ju n e 4 , 1 9 9 9 . T h e B a n k ’s s c o p e o f a c t iv it ie s is to e n g a g e in g e n e r a l b a n k i n g a c t iv i t ie s . P u rs u a n t to B a n k I n d o n e s ia D ir e c t o r ’s D e c re e N o . 2 5 6 7 K E P D I R d a t e d N o v e m b e r 3 0 , 1 9 9 2 th e B a n k o b ta in e d th e a p p r o v a l t o o p e r a t e a s a fo r e ig n e x c h a n g e b a n k . O n M a r c h 2 0 0 4 , t h e B a n k s t a r t e d it s s h a r i a b a n k in g a c t iv it ie s a ft e r re c e iv in g le t t e r fr o m B a n k In d o n e s ia N o . 6 3 9 D p b S d a t e d J a n u a ry 1 3 , 2 0 0 4 r e g a r d in g t h e o p e n in g o f s h a r ia b r a n c h o ffic e in B a n k ’s c o m m e r c ia l a c tiv it ie s . T h e B a n k ’s A r t ic le s o f A s s o cia tio n h a v e b e e n a m e n d e d s e v e ra l tim e s , th e la te s t w it h n o ta ria l d e e d N o .1 0 1 o f N y . P o e r b a n in g s ih A d i W a r s it o , S .H ., d a t e d S e p t e m b e r 2 8 , 2 0 0 7 re g a r d in g t h e in c re a s e o f a u t h o riz e d c a p it a l t o R p 1 ,5 0 0 ,0 0 0 ,0 0 0 ,0 0 0 a n d t h e in c r e a s e in p a id -in c a p it a l. T h e s e c h a n g e s h a v e b e e n a p p r o v e d b y M in is t e r o f L a w a n d H u m a n R ig h ts in h is L e t t e r N o . C - 4 1 1 1 .H T .0 1 .0 4 - T h .2 0 0 7 d a te d N o v e m b e r 2 2 , 2 0 0 7 . T h e B a n k ’s H e a d O ffic e is lo c a t e d o n J l. Ir . H . D ju a n d a II I 7 -9 , J a k a r t a . T h e B a n k h a s b r a n c h e s , s u b b r a n c h e s , C a s h O ffic e a n d A T M A u to m a t ic T e lle r M a c h in e a s fo llo w s : 2 0 0 9 2 0 0 8 C o n v e n tio n a l B r a n c h O f fic e s 1 3 1 1 C o n v e n tio n a l S u b B r a n c h e s 3 1 3 0 C o n v e n tio n a l C a s h O f fic e s 7 4 7 0 P a y m e n t P o in ts 3 0 2 2 S h a r ia B r a n c h e s O ffic e 2 2 S h a r ia S u b B r a n c h e s O ffic e 3 1 S h a r ia C a s h O ffic e 6 5 S h a ria S e rv ic e s O ffic e 3 6 3 6 A T M s 1 3 1 7 2 Laporan Tahunan 2009 Annual Report 273 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 1 . G E N E R A L C o n t i n u e d b . P u b lic O f f e r in g o f B a n k ’s B o n d s I n 2 0 0 4 , th e B a n k is s u e d B o n d s IV fo u r fo r fin a n c in g p u r p o s e s , w it h fix e d ra te o f 1 2 .5 0 p e r a n n u m fo r 5 fiv e y e a r p e r io d a n d r e g is te r e d o n I n d o n e s ia S t o c k E x c h a n g e F o r m e r ly S u ra b a y a S to c k E x c h a n g e a n d h a v e b e e n fu lly p a id a n d m a t u re d o n 2 0 0 9 . I n 2 0 0 8 , th e B a n k is s u e d B o n d s V fiv e a m o u n t e d to R p 4 2 5 , 0 0 0 , 0 0 0 ,0 0 0 w it h fix e d r a t e o f 1 1 .2 5 p e r a n n u m f o r 5 f iv e y e a r p e rio d d u e d a t e 2 0 1 3 , a n d S u b o r d in a t e B o n d s I o n e a m o u n t e d t o R p 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 w it h fix e d ra te o f 1 2 .2 5 p e r a n n u m fo r 1 0 t e n y e a r p e rio d d u e d a te 2 0 1 8 w ith p u rc h a s e o p tio n in th e 5 ye a r o n 2 0 1 3 . th c . B o a r d o f C o m m is s io n e r s a n d D ir e c t o r s T h e m e m b e r s o f th e B a n k ’s B o a r d o f C o m m is s io n e rs a s o f D e c e m b e r 3 1 , 2 0 0 9 , b a s e d o n th e B a n k ’s E x tr a o r d in a r y S to c k h o ld e r s ’ M e e t in g o n A u g u s t 2 1 , 2 0 0 9 a s s t a t e d o n n o ta r ia l d e e d N o . 4 7 d a t e d A u g u s t 2 1 , 2 0 0 9 o f N y . P o e r b a n in g s i h A d i W a r s i t o , S . H . T h e m e m b e r s o f t h e B a n k ’ s B o a r d o f C o m m is s io n e r s a s o f D e c e m b e r 3 1 , 2 0 0 9 a r e a s fo llo w s : C o m m is s io n e r s : P re s id e n t C o m m is s io n e rs : M a r a O lo a n S ir e g a r C o m m is s io n e r : H a s a n B a s r i S a le h C o m m is s io n e r : S u k r i B e y Caretaker A p p o in t m e n t o f M r S u k r i B e y a s c o m m is s io n e r h a s b e e n a p p r o v e d b y B a n k In d o n e s ia in a c c o rd a n c e le tte r N o . 1 1 1 G B I D P IP R a h a s ia d a te d Ja n u a ry 2 2 , 2 0 0 9 . T h e m e m b e r s o f th e B a n k ’s B o a r d o f C o m m is s io n e rs a s o f D e c e m b e r 3 1 , 2 0 0 8 , b a s e d o n th e B a n k ’s E x tr a o r d in a r y S to c k h o ld e r s ’ M e e t in g o n J u n e 2 0 , 2 0 0 8 , a s s t a t e d o n n o t a r ia l d e e d N o . 7 1 d a t e d J u n e 2 0 , 2 0 0 8 o f N y . P o e r b a n in g s ih A d i W a r s it o , S .H ., a r e a s fo llo w s : C o m m is s io n e r s : P r e s i d e n t C o m m is s io n e r s : S u r y o D a n is w o r o C o m m is s io n e r : Id r is K a d ir C o m m is s io n e r : J o n i M u ly a n t o Doubles as audit committee and remuneration and nomination committee. Doubles as the risk oversight committee and remuneration and nomination committee. 274 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 1 . G E N E R A L C o n t i n u e d T h e m e m b e r s o f th e B a n k ’s B o a r d o f D ir e c t o r s a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , b a s e d o n th e B a n k ’s E x tr a o r d in a r y S to c k h o ld e r s ’ M e e t in g o n J a n u a ry 3 0 , 2 0 0 6 , a s s ta t e d in n o ta r ia l d e e d N o .1 5 3 d a t e d J a n u a r y 3 0 , 2 0 0 6 o f N y . A u lia T a u fa n i, S .H ., a r e a s fo llo w s : D ir e c t o r s : P r e s id e n t D ire c t o r : W in n y E r w in d ia C o m p lia n c e D ir e c t o r : A r is A n w a r i M a rk e tin g D ir e c t o r : M u h a m a d Ir fa n d i F in a n c ia l D ir e c t o r : M a m a d S a c h ro n i O p e r a tio n a l D ir e c t o r : Ilh a m s y a h J o e n o e s d . A u d i t C o m m it t e e , R is k O v e r s ig h t C o m m it t e e a n d R e m u n e r a t io n a n d N o m in a t io n C o m m it t e e T h e m e m b e r s o f A u d it C o m m it t e e in 2 0 0 9 h a v e n o t b e e n fo rm e d a n d t h e m e m b e r o f A u d it C o m m it t e e in 2 0 0 8 b a s e d o n D ire c t o r D e cis io n L e tt e r N o . 1 0 8 o f 2 0 0 6 d a te d S e p t e m b e r 2 5 , 2 0 0 6 re g a r d in g o f th e a p p o in t m e n t o f A u d it C o m m it t e e , a r e a s fo llo w s : A u d it C o m m it t e e : 2 0 0 9 2 0 0 8 C h a irm a n : -- I d r is K a d ir M e m b e r : - - E . M o k h a m a d Ik h s a n M e m b e r : - - S y a ifu l A rie f Doubles as independent commissioner, audit committee and remuneration and nomination committee. T h e m e m b e r s o f R is k O v e r s ig h t C o m m itt e e in 2 0 0 9 h a v e n o t b e e n f o r m e d a n d t h e m e m b e r o f R is k O v e r s ig h t C o m m it t e e in 2 0 0 8 b a s e d o n D ir e c t o r D e c is io n L e t t e r N o . 5 0 A o f 2 0 0 8 , d a te A p r il 1 4 , 2 0 0 8 , re g a r d in g C h a n g e s o f R is k O v e r s ig h t C o m m it t e e , a r e a s fo llo w s : T h e R i s k O v e r s ig h t C o m m it t e e : 2 0 0 9 2 0 0 8 C h a ir m a n : - - J o n i M u ly a n t o M e m b e r : -- A c h m a d S h a lih in M e m b e r : - - S e t ia D h a r m a Doubles as independent commissioner and remuneration and nomination committee. Laporan Tahunan 2009 Annual Report 275 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 1 . G E N E R A L C o n t i n u e d T h e m e m b e r s o f R e m u n e ra t io n a n d N o m in a tio n C o m m it t e e in 2 0 0 9 h a v e n o t b e e n fo r m e d a n d t h e m e m b e r o f R e m u n e ra tio n a n d N o m in a tio n C o m m it t e e in 2 0 0 8 b a s e d o n D ir e c t o r D e cis io n L e tt e r N o . 8 8 o f 2 0 0 7 , d a te d J u n e 2 1 , 2 0 0 7 r e g a r d in g a p p o in tm e n t o f R e m u n e ra t io n a n d N o m in a tio n C o m m it t e e a n d b a s e d o n D ir e c t o r D e c is io n L e t t e r N o . 1 1 6 y e a r 2 0 0 7 , d a te d A u g u s t 0 3 , 2 0 0 7 r e g a r d in g C h a n g e s o f R e m u n e r a t io n a n d N o m in a t io n C o m m it t e e , a r e a s fo llo w s : R e m u n e r a t io n a n d N o m in a t io n C o m m it t e e : 2 0 0 9 2 0 0 8 C h a ir m a n : - - J o n i M u ly a n t o M e m b e r : -- I d r is K a d ir M e m b e r : -- E n i R a n t ih Doubles as independent commissioner committee and the risk oversight committee. Doubles as independent commissioner and audit committee. E a r ly ta s k s o f th e A u d i t C o m m it t e e , R is k M o n it o r in g C o m m it t e e a n d t h e R e m u n e ra t io n a n d N o m in a tio n C o m m it t e e h a s e n d e d o n A u g u s t 2 2 , 2 0 0 9 . A s o f D e ce m b e r 3 1 , 2 0 0 9 h a v e n o t b e e n fo rm e d a n e w c o m m it t e e . B a n k h a s 1 ,7 0 1 d a n 1 ,6 3 5 p e r m a n e n t a n d c o n tr a c t e m p lo y e e s a s o f D e c e m b e r 3 1 , 2 0 0 9 d a n 2 0 0 8 u n a u d it e d . 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S a . B a s i s o f P r e p a r a t io n o f t h e F i n a n c i a l S t a t e m e n t s T h e fin a n c ia l s t a te m e n t s h a v e b e e n p r e p a re d i n c o n fo rm it y w it h S t a te m e n t s o f F in a n c ia l A c c o u n t in g S t a n d a r d s P S A K N o .3 1 R e v is e d 2 0 0 0 , a c c o u n t in g p r in c ip le s g e n e r a lly a c c e p t e d in I n d o n e s ia , th e A c c o u n t in g G u id e lin e s fo r In d o n e s ia n B a n k s P A P I p u b lis h e d b y B a n k o f In d o n e s ia a n d I n d o n e s ia n In s t it u t e o f A c c o u n t a n t I A I a n d a c c o u n t in g a n d r e p o rt in g g u id e lin e s p r e s c r ib e d b y t h e I n d o n e s ia n C a p it a l M a r k e t a n d F in a n c ia l In s t it u t io n S u p e r v is o ry A g e n c y B A P E P A M - L K R e g u la t io n N o . V I I I .G . 7 “ G u id a n c e fo r F in a n c ia l S ta t e m e n ts P r e s e n ta t io n ” a tt a c h e d to D e c is io n L e t t e r N o . K E P - 0 6 P M 2 0 0 0 d a t e d M a r c h 1 3 , 2 0 0 0 a n d a g r e e w it h p r e v a ili n g b a n k i n g in d u s t r y p ra c t ic e s a n d a c c o u n t in g a n d r e p o rt in g g u id e lin e s p r e s c r ib e d b y B a n k In d o n e s ia . F o r a b a n k o p e r a t e in b a n k in g w ith s h a r ia p r in c ip le , th e fin a n c ia l s t a t e m e n t s a r e p r e s e n t e d in c o n fo rm it y w it h a c c o u n t in g p rin c ip le s o f In d o n e s ia n S h a ria B a n k in g u n d e r S t a te m e n t s o f F in a n c ia l A c c o u n t in g S t a n d a r d s P S A K N o . 1 0 1 u n t il 1 0 7 , r e g a r d in g ”A c c o u n t in g fo r S h a r ia B a n k in g ” a n d A c c o u n t in g G u id e lin e s o f In d o n e s ia n S h a ria B a n k in g 2 0 0 3 P A P S I p u b lis h e d b y B a n k o f In d o n e s ia a n d IA I . 276 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d T h e fin a n c ia l s t a te m e n t s h a v e b e e n p r e p a re d o n th e a c c r u a l b a s is a n d h is t o ric a l c o n c e p t s , e x c e p t fo r c e r t a in s e c u r it ie s w h ic h a r e v a lu e d b a s e d o n d is c o u n t e d c a s h flo w , c e r ta in fix e d a s s e t s w h ic h w e r e re v a lu e d in a c c o r d a n c e w it h g o v e rn m e n t r e g u l a tio n s a n d c e r t a in in v e s t m e n t in s h a r e o f s t o ck s w h ic h a r e a c c o u n t e d u n d e r th e c o s t m e th o d . T h e s t a te m e n t s o f c a s h flo w s a re p re p a re d u s in g m o d ifie d d ir e ct m e th o d w it h c a s h flo w s c la s s ifie d in to o p e r a t in g , in v e s t in g a n d fin a n c in g a c t iv it ie s e x c e p t fo r s o m e c a s h flo w s in th e o p e r a t in g a c t iv it ie s w h ic h a r e p r e p a r e d u s in g in d ir e c t m e t h o d . F o r p r e s e n t a t io n in th e s t a t e m e n t s o f c a s h flo w s , c a s h a n d c a s h e q u iv a le n t s c o n s i s t o f c a s h , c u r r e n t a c c o u n t s w it h B a n k I n d o n e s i a a n d w it h o t h e r b a n k s . b . T r a n s a c t io n W it h R e la t e d P a r tie s T h e B a n k h a s c o n d u c t e d tr a n s a c t io n s w it h c e rt a in p a rt ie s w h ic h a r e r e g a rd e d a s r e la te d p a rt ie s w it h t h e B a n k u n d e r S t a t e m e n t s o f F i n a n c ia l A c c o u n t in g S t a n d a r d s P S A K N o . 7 , ” R e la t e d P a r t y D is c lo s u r e s ” . A ll sig n ific a n t tr a n s a c t io n s w it h re la te d p a rt ie s a r e d is c l o s e d in th e fin a n c ia l s t a te m e n t s w h e re a s tr a n s a c t io n s b e tw e e n th e B a n k a n d o th e r s t a te o w n e d c o m p a n ie s B U M N a r e n o t re q u ir e d to b e d is c lo s e d a s tr a n s a c t io n s w it h r e la t e d p a r t ie s . A ll t r a n s a c t io n s w it h r e la t e d p a r t ie s , w h e th e r o r n o t c o n d u c t e d u n d e r s im ila r te r m s a n d c o n d it io n s a s th o s e d o n e w it h n o n - r e la t e d p a r t ie s , a r e d is c lo s e d in th e fin a n c ia l s t a t e m e n t s . c . C u r r e n t A c c o u n t w ith B a n k In d o n e s ia C u r r e n t a c c o u n t w it h B a n k In d o n e s ia a r e p la c e m e n t w it h B a n k In d o n e s ia c o n c e r n in g th e R e g u la t io n s o f B a n k In d o n e s ia N o . 1 0 1 9 P B I 2 0 0 8 d a te d O c t o b e r 1 8 , 2 0 0 8 a n d P B I N o . 1 0 2 5 P B I 2 0 0 8 d a te d O c t o b e r 2 3 , 2 0 0 8 re g a r d in g re q u ir e d m in im u m c u rr e n t a c c o u n t in B a n k I n d o n e s ia h e re a ft e r c a lle d G W M a n d c i rc u la r le tt e r o f B a n k In d o n e s ia N o . 1 1 2 9 D P N P d a t e d O c t o b e r 1 6 , 2 0 0 9 c o n c e r n in g ca lc u la t io n o f s e c o n d a ry G W M in ru p ia h . G W M r e p r e s e n t s r e q u ir e d m in im u m fu n d p la c e d a t B a n k I n d o n e s ia in t h e a m o u n t s d e te rm in e d b y B a n k I n d o n e s ia fo r a ce r t a in e d p e rc e n ta g e o f th ir d p a r t ie s fu n d c o n s is t in g o f p r im a r y G W M a n d s e c o n d a r y G W M . P r im a r y G W M re p r e s e n ts m in im u m d e p o s it s re q u ir e d to B a n k o n c u rr e n t a c c o u n t in B a n k I n d o n e s ia a t le a s t 5 fr o m t h e to ta l th ir d p a r t ie s fu n d s fr o m th ir d p a r t ie s in ru p ia h a n d b y 1 fr o m th ir d p a r t ie s in fo r e ig n c u r r e n c y . S e c o n d a ry G W M re p r e s e n ts m i n im u m re s e r v e s s h a ll b e m a in ta in e d b y th e B a n k in th e fo r m o f B a n k In d o n e s ia c e r t ific a t e s , G o v e r n m e n ts B o n d s a n d o r e x c e s s re s e r v e th a t re q u ir e d o f 2 .5 fr o m th e t o t a l th ir d p a r t ie s fu n d in r u p ia h . Laporan Tahunan 2009 Annual Report 277 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d d . C u r r e n t A c c o u n ts w it h O t h e r B a n k s C u r r e n t a c c o u n t s w it h o t h e r b a n k s a r e s ta t e d a t th e ir o u t s ta n d in g b a la n c e s a n d n e t o f a llo w a n c e fo r p o s s ib le lo s s e s . e . P la c e m e n ts w ith O th e r B a n k s a n d B a n k In d o n e s ia P la c e m e n ts w it h o t h e r b a n k s re p r e s e n t p la c e m e n ts in fo r m o f c a ll m o n e y a n d d e p o s it . P la c e m e n t w it h o t h e r b a n k s a r e s t a t e d a t o u t s t a n d in g b a la n c e s o f e a c h p la c e m e n t a n d n e t o f a llo w a n c e fo r p o s s ib le lo s s e s . P la c e m e n t w it h B a n k In d o n e s ia re p r e s e n ts p l a c e m e n ts in th e fo r m o f D e p o s it F a c ilit y o f B a n k I n d o n e s i a a n d S h a r ia D e p o s it F a c ilit y o f B a n k In d o n e s ia a n d a r e s t a t e d a t th e o u ts t a n d in g b a la n c e le s s u n e a rn e d in t e re s t in c o m e . f . S e c u r it ie s S e c u r it ie s c o n s is t o f c e rt ific a te s o f B a n k I n d o n e s ia a n d b o n d s in c lu d in g G o v e rn m e n t B o n d s th a t a re t r a d e d in m o n e y m a rk e t a n d b o n d s th a t a r e lis t e d in s t o ck e x c h a n g e . I n a c c o r d a n c e w it h P S A K N o . 5 0 R e v i s e 1 9 9 9 , A c c o u n t in g fo r C e r t a in S e c u r it ie s , s e c u r it ie s a r e s ta t e d b a s e d o n t h e fo llo w in g c la s s ific a t io n s : 1 . T r a d in g s e c u rit ie s a re s t a t e d a t fa ir v a lu e . U n re a liz e d g a in o r lo s s e s fr o m th e a p p re c ia t io n o r d e c lin e in th e fa ir v a lu e o f s e c u r itie s a re c r e d it e d o r c h a r g e d to cu rr e n t s t a t e m e n ts o f in c o m e . 2 . A v a ila b le fo r s a le s e c u rit ie s a re s ta t e d a t fa i r v a l u e . U n r e a liz e d g a in s o r lo s s e s fr o m th e a p p r e c ia t io n o r d e c lin e in th e f a i r v a lu e o f s e c u rit ie s a re p re s e n te d a s a co m p o n e n t o f s to c k h o ld e r s ’s e q u it y . 3 . H e ld -t o -m a t u r ity s e c u r itie s fo r w h ich t h e B a n k h a s t h e p o s itiv e in t e n t io n a n d a b ility to h o ld t o m a t u r it y a r e s ta t e d a t c o s t, a d ju s te d fo r t h e a m o r tiz a t io n o f p r e m iu m s o r d is c o u n t s . T h e t r a n s fe r o f s e c u r it ie s t o a n o t h e r c la s s ific a t io n is a c c o u n t e d fo r a t fa ir v a lu e a t t h e d a t e o f t r a n s fe r . T h e u n r e a liz e d g a in s o r lo s s e s fr o m th e a p p re c ia t io n o r d e c l i n e i n t h e fa ir v a lu e o f s e c u r it ie s a t th e d a t e o f tr a n s fe r a r e a c co u n t e d fo r a s fo llo w s : 1 . F o r s e c u r it ie s t r a n s fe r r e d fr o m t h e t r a d in g c la s s ific a t io n , t h e p r e v i o u s l y r e c o g n i z e d u n r e a liz e d g a in s o r lo s s e s th a t w e r e c r e d it e d o r c h a r g e d t o c u r r e n t s t a t e m e n t s o f in c o m e a t th e t im e o f tr a n s fe r a r e n o t re v e rs e d . 2 . F o r s e c u rit ie s t ra n s fe r r e d t o t r a d in g c la s s ific a t io n , t h e u n re a liz e d g a in s o r lo s s e s a t t h e tim e o f tr a n s fe r a r e c r e d it e d o r c h a r g e d to c u r r e n t s ta t e m e n t s o f in c o m e im m e d ia t e ly . 3 . F o r h e l d - t o - m a t u r i t y s e c u r i t i e s t r a n s fe r r e d in t o a v a ila b le - fo r - s a le c la s s ific a t io n , t h e u n re a liz e d g a in s o r lo s s e s a t th e d a t e o f t r a n s fe r a r e p r e s e n te d a s a s e p a r a t e c o m p o n e n t o f s t o c k h o ld e r s ’ e q u it y . 4 . F o r a v a ila b le - fo r - s a le s e c u rit ie s t r a n s f e r r e d in t o h e l d - t o - m a t u r it y c l a s s i fic a t io n , t h e u n r e a liz e d g a in s o r lo s s e s a t t h e d a t e o f tr a n s fe r c o n t in u e to b e re p o r te d a s a s e p a r a t e c o m p o n e n t o f s t o c k h o ld e r s ’ e q u ity b u t a r e a m o r t iz e d o v e r th e re m a in in g liv e s o f th e s e c u rit ie s a s a n a d ju s t m e n t o f y ie ld in a m a n n e r c o n s is t e n t w it h th e a m o r t iz a tio n o f a n y p r e m iu m o r d is c o u n t . 278 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d F a ir v a lu e is d e t e r m in e d b a s e d o n q u o t e d m a r k e t p r ic e s . D e c l in e in t h e fa ir v a lu e o f in d iv i d u a l h e ld - t o - m a t u r it y s e c u r it ie s , o t h e r t h a n t e m p o r a r y , b e lo w it s c o s t is re c o g n iz e d a s lo s s in c u r r e n t s t a te m e n t s o f in c o m e . R e a liz e d g a in s o r lo s s e s fr o m s e llin g o f m a r k e ta b le s e c u rit ie s a re re c o g n iz e d o r c h a r g e d to th e s t a t e m e n t o f in c o m e fo r th e y e a r b a s e d o n th e d iffe r e n c e b e tw e e n s e llin g p ric e a n d t h e ca r r y in g v a lu e . R e p u r c h a s e d b o n d s a re p re s e n te d a s d e d u c t io n t o s e c u r i t ie s is s u e d . In te r e s t in c o m e s fr o m r e p u r c h a s e d b o n d s a r e p re s e n t e d a s d e d u c t io n to b o n d in t e re s t e x p e n s e . g . R e v e r s e R e p o R e v e rs e re p o a re p re s e n te d a s re c e iv a b le s a n d r e c o g n iz e d a t th e ir re s a le p ric e c o m m e n c in g fr o m t h e a c q u is it io n d a t e t o re s a le d a t e w h ic h a r e s e llin g p r ic e p lu s t h e d iffe r e n c e b e t w e e n p u r c h a s e p r ic e a n d re s a le p r ic e , a n d a llo w a n c e fo r p o s s ib le lo s s e s . T h e d iffe r e n c e b e tw e e n p u r c h a s e p ric e a n d r e s a le p ric e is a m o rt iz e d a s in t e re s t in c o m e o v e r th e p e r io d . h . L o a n s L o a n s a r e d e fin e d a s p r o v id in g c a s h o r c a s h e q u iv a le n t b a s e d o n a n a g r e e m e n t w ith a d e b t o r , in w h ic h , it re q u ir e s th a t th e d e b to r m u s t s e t t le th e l i a b i l i t ie s , in a c e r t a in p e rio d o f tim e , p lu s in t e r e s t . I n re la tio n w it h t h e r e s t r u c t u r e d lo a n s , t h e o u t s t a n d in g lo a n b a la n c e s in c lu d e s in t e re s t s a n d o th e r e x p e n s e s , to b e c o n v e r t e d to th e lo a n s p r in c ip a l. L o a n s a r e c a rr ie d a t t h e ir o u t s t a n d in g b a la n c e le s s a n a llo w a n ce fo r p o s s ib le lo s s e s . L o a n s u n d e r jo in t fin a n c in g s y n d ic a t e d lo a n s a n d c h a n n e lin g lo a n s a re s t a t e d a t th e p rin c ip a l a m o u n t a c c o r d in g t o t h e r is k p o r t io n a s s u m e d b y t h e B a n k . B a n k a ls o c o n d u c t e d a c tiv it ie s b a s e d o n s h a r ia p r in c ip le s , s o t h e lo a n s t h a t p re s e n te d in c lu d e th e m u ra b a h a h re c e iv a b le s , is t is h n a , m u d h a ra b a h fin a n c in g , m u s y a r a k a h fin a n c in g , ija r a h a n d fu n d o f q a rd h fin a n c in g . M u ra b a h a h re c e iv a b le s is a s a le s o f g o o d s t r a n s a c t io n , in w h ic h b o t h , b u y e r a n d s e lle r , a g r e e o n t h e p ric e a n d t h e m a rg in . A t th e e n d o f th e p e r io d o f fin a n c ia l s t a te m e n t s , th e m u r a b a h a h r e c e iv a b le s is v a lu e d a t n e t re a liz a b le v a lu e . i.e ., th e o u ts t a n d in g b a la n c e le s s p ro v is io n fo r d o u b tfu l d e b t s . D e fe rr e d m a rg in o f m u r a b a h a h i s p r e s e n t e d a s a c o n t r a a c c o u n t o f m u r a b a h a h r e c e iv a b l e s . I s t is h n a is a c o v e n a n t b e tw e e n a l- m u s t a s h n i b u y e rs a n d a s - s h a n i p ro d u c e rs w h o a ls o a c t s a s a s e lle r . B a s e d o n th e co v e n a n t, th e b u y e r a s s ig n e d p ro d u c e r s t o m a k e o r h o l d a l- m a s h n u o r d e r e d it e m a c c o r d in g t o s p e c ific a t io n s r e q u ir e d b y b u y e r s a n d s e ll th e a g re e d p r ic e . P a y m e n t c a n b e p a id in a d v a n c e , p a y m e n t s , o r d e fe rr e d u n t il a c e rta in tim e p e r io d . Laporan Tahunan 2009 Annual Report 279 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 8 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d M u d h a r a b a h fin a n c in g , in t h e fo r m o f c a s h , is r e c o g n iz e d w h e n th e B a n k h a s d e liv e r e d t h e c a s h p a y m e n t t o t h e fu n d m a n a g e r . M u d h a ra b a h fin a n c in g , in th e fo r m o f n o n - c a s h a s s e t s , is re c o g n iz e d a t th e a s s e t s fa ir v a lu e . T h e B a n k s h o u ld r e c o g n iz e t h e d iffe re n c e s b e t w e e n t h e fa ir v a lu e a n d t h e b o o k v a lu e o f th e a s s e ts a s g a in s o r lo s s e s , w h e n t h e fu n d h a s b e e n d e liv e r e d t o t h e fu n d m a n a g e r . I n m u d h a ra b a h fin a n c in g , if t h e fu n d g iv e n o n a s e rie s o f p a y m e n t s , it s h o u ld b e re c o g n iz e d w h e n e a c h p a y m e n t is r e c e iv e d . A n y c o s t s r e s u lt e d f r o m t h is a g r e e m e n t c a n n o t b e r e c o g n iz e d a s p a r t o f th e p a y m e n t s , u n le s s it h a s b e e n p r e d e t e r m in e d b y b o t h p a r t ie s . M u s y a r a k a h fin a n c in g is a c o o p e r a t in g a g r e e m e n t b e t w e e n in v e s t o r s m u s y a r a k a h p a r t n e r s in o r d e r to c o m b in e c a p ita ls a n d p e r fo r m a b u s in e s s to g e t h e r in th e p a r t n e r s h ip , w ith th e p r o fit s h a rin g a g re e m e n t a s s t ip u la te d . W h e re a s , t h e in v e s t o rs w ill p r o p o rt io n a lly s h a re t h e lo s s b a s e d o n th e ir in v e s t e d c a p ita l. T h e m u s y a ra k a h fin a n c in g is re c o g n iz e d w h e n th e c a s h is p a id o r n o n - c a s h a r e d e liv e re d . I ja r a h is a le a s e c o v e n a n t b e t w e e n m u a jjir l e s s o r w it h m u s t a jir l e s s e e f o r m a ju r o b je c t r e n t t o g e t a re w a r d fo r le a s e d g o o d s . M u n ta h iy a h B it t a m lik I ja r a h is a le a s e a g r e e m e n t b e tw e e n th e le s s o r o f g o o d s b y th e le s s e e , w h ich e n d e d w ith th e tra n s fe r o f p ro p e rt y le a s e o b je c t. A s s e ts a re u s e d a s o b je c ts o f ija ra re c o g n ize d a t co s t. O b je c t o f ija r a h a r e d e p r e c i a t e d a c c o r d in g t o a s s e t t y p e , w h ile t h e o b je c t s in ija r a h le a s e a r e d e p re c ia te d a c c o rd in g t o m u n t a h iy a h b itt a m lik le a s e . F u n d o f Q a r d h is a b o u t p ro v id in g fu n d o r e q u iv a le n t to re c e iv a b le s b a s e d o n a n a g r e e m e n t b e t w e e n th e d e b t o r a n d c r e d ito r , in w h ich th e d e b t o r is b o u n d to s e t t le t h e lo a n a ft e r a c e r t a in p e r io d . T h e s o u r c e s o f fu n d o f q a rd h c a n b e g e n e r a te d fr o m th e B a n k s in t e rn a l o r e x t e rn a l. T h e in t e rn a l s o u rc e s a r e fr o m th e B a n k s s h a r e c a p ita l. T h e e x t e r n a l s o u rc e s a r e fr o m in fa q , s h a d a q a h a n d n o n - h a la l fu n d . T h e Q a r d h lo a n r e c o g n itio n is a t th e tim e o f th e tr a n s a c t io n . L o a n s c l a s s ifie d a s lo s s a r e w r it t e n - o ff a g a in s t t h e r e la t e d a llo w a n c e fo r p o s s ib le lo s s e s w h e n t h e r e is n o re a lis t ic p r o s p e c t o f c o lle c t io n . S u b s e q u e n t re c o v e r y is c r e d ite d to t h e a llo w a n c e fo r p o s s ib le lo s s e s in t h e b a la n c e s h e e t . 280 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 9 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d i. A llo w a n c e f o r P o s s ib le L o s s e s o n E a r n i n g A s s e ts a n d N o n E a r n i n g A s s e ts a n d E s tim a t e d L o s s e s o n C o m m it m e n t a n d C o n t in g e n c i e s E a r n in g a s s e t s c o n s is t o f c u rr e n t a c c o u n t w it h o t h e r b a n k s , p la c e m e n t w it h o t h e r b a n k s a n d B a n k I n d o n e s ia , s e c u rit ie s , re v e rs e re p o , lo a n s, in v e s t m e n ts in s h a r e s o f s t o c k s a n d c o m m it m e n ts a n d c o n t in g e n c ie s w h ic h c a r r y cr e d it ris k . T h e g e n e r a l a n d s p e c ia l p r o v is io n s fo r p o s s ib le lo s s e s o n e a r n in g a s s e t s a re m a d e b a s e d o n th e m a n a g e m e n t s e v a lu a t io n o n th e q u a lit y o f e a c h lo a n a s o f b a la n c e s h e e t d a t e a n d t h e c o n s id e r a t io n o f th e e co n o m ic c o n d it io n , g e n e r a lly . T h e e s ta b lis h m e n t o f t h e m in im u m p ro v is io n fo r p o s s ib le lo s s e s o n e a r n in g a s s e t s is fo r m e d in a c c o r d a n c e w ith t h e d e c r e e o f B a n k In d o n e s ia r e g a r d in g t h e A s s e t Q u a lity R a t in g fo r C o m m e r c ia l B a n k s in a c c o r d a n c e w ith B a n k I n d o n e s ia R e g u la t io n N o . 1 1 2 P B I 2 0 0 9 d a t e d J a n u a r y 2 9 , 2 0 0 9 r e g a r d in g v a lu a t io n o f e a r n in g a s s e t s q u a lit y o f B a n k a n d N o . 9 6 P B I 2 0 0 7 d a te d M a rc h 3 0 , 2 0 0 7 , C h a p t e r V c o n c e r n in g th e 2 0 0 7 P r o v is io n fo r A s s e t L o s s e s . T h e p e r c e n ta g e o f a llo w a n c e fo r p o s s ib le l o s s e s fo r e a r n in g a s s e t s a n d c o m m it m e n ts a n d c o n t in g e n c ie s le s s t h e c o lla t e r a l v a lu e , e x c e p t fo r e a r n in g a s s e t s a n d c o m m it m e n t s a n d c o n t in g e n c i e s t h a t a r e c a t e g o r iz e d a s C u r r e n t, is a p p lie d d ir e c t ly t o t h e r e la t e d o u ts t a n d in g b a la n c e o f e a r n in g a s s e t s a n d c o m m it m e n t s a n d c o n t in g e n c ie s . P B I c la s s ifie s e a r n in g a s s e t s in t o 5 fiv e ca t e g o r ie s w it h th e fo llo w in g m in im u m ra t e s o f a llo w a n c e f o r p o s s ib le lo s s e s : C la s s if ic a tio n M in im u m P e r c e n t a g e A llo w a n c e f o r P o s s ib le L o s s e s C u r r e n t 1 S p e c ia l M e n tio n 5 S u b s t a n d a r d 1 5 D o u b t fu l 5 0 L o s s 1 0 0 T h e a b o v e p e r c e n t a g e a re a p p lie d t o e a r n in g a s s e ts a ft e r d e d u c t in g c a s h o r n o n c a s h c o lla te ra l e x c e p t fo r e a rn in g a s s e ts ca te g o riz e d a s c u rr e n t. T h e a llo w a n c e fo r p o s s ib le lo s s e s o n e a rn in g a s s e t s c a t e g o r iz e d a s c u r re n t a m o u n t in g 1 o r g e n e ra l p r o v is io n e x c lu d e fo r e a rn in g a s s e ts a s B a n k In d o n e s ia C e rt ific a te s , G o v e rn m e n t B o n d s a n d o th e rs th a t s e c u re d b y ca s h co lla te ra l. Laporan Tahunan 2009 Annual Report 281 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 0 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d T h e c o lla t e r a l v a lu e s w h ic h r e p r e s e n ts a s a re d u c t io n fa c t o r , in th e ca lc u la t io n s o f th e p ro v is io n fo r p o s s ib le lo s s e s , is th e c o lla t e r a l w h ic h h a s b e e n v a lu e d in a c c o r d a n c e to th e R e g u la t io n o f B a n k I n d o n e s i a N o . 1 1 2 P B I 2 0 0 9 d a t e d J a n u a r y 2 9 , 2 0 0 9 r e g a r d in g v a lu a t io n o f e a r n in g a s s e t s q u a lit y o f B a n k a n d N o . 9 6 P B I 2 0 0 7 , d a te d M a r c h 3 0 , 2 0 0 7 , C h a p t e r V , a rt ic le 4 8 s t a te d th a t i f c o ll a t e r a l v a lu a t io n w a s n o t c o n d u c t e d o v e r th a n 2 4 m o n t h s a n d fo r e a r n in g a s s e t w ith t h e a m o u n t o r o v e r t h a n R p 5 ,0 0 0 ,0 0 0 ,0 0 0 w a s v a lu e d b y in d e p e n d e n t a p p r a is a l. E a rn in g a s s e ts w r it t e n o f f a r e c h a rg e d in t o p ro v is io n fo r p o s s ib le lo s s e s o n e a rn in g a s s e ts w h e n m a n a g e m e n t b e lie v e th a t th e e a r n in g a s s e t s a r e d iffic u lt t o c o lle c t a n d p r e d ic t e d n e e d lo n g tim e r e c o v e r y . R e c o v e r y o n lo a n s w r it t e n o ff a r e re c o rd e d a s a d ju s t m e n t o n p ro v is io n fo r p o s s ib le lo s s e s o n e a r n in g a s s e t s in c u r r e n t y e a r . T h e e a r n in g a s s e t s c la s s ifie d a s c u rr e n t a n d s p e c ia l m e n tio n a r e c o n s id e r e d a s p e rfo r m in g e a rn in g a s s e t s , in a cc o r d a n c e w it h P B I . N o n p e r fo rm in g e a r n in g a s s e t s c o n s is t o f a s s e t s w it h cla s s ific a t io n o f su b s ta n d a rd , d o u b tfu l a n d lo s s . M a x im u m lim it fo r a llo w a n c e s fo r p o s s ib le lo s s e s o n e a r n in g a s s e t s d e t e r m i n e d 1 1 2 ,5 0 o f r e q u ir e d a llo w a n c e fo r p o s s ib le lo s s e s . O t h e rw is e t h e B a n k a r e in t e n d e d t o m a d e s p e c ia l a llo w a n ce fo r n o n e a rn in g a s s e ts . N o n e a rn in g s a s s e t s a r e B a n k s a s s e t s b e a r in g p o t e n t ia l lo s s , s u c h a s fo r e c lo s e d c o lla t e r a ls , a b a n d o n p r o p e r tie s , in t e r -o ffic e a c c o u n t s a n d s u s p e n s e a c c o u n t s . T h e q u a l it y o f c o m p le t e d fo r e c lo s e d c o lla t e r a ls a r e d e t e r m in e d a s : - C u r r e n t , if a c q u ir e d in 1 o n e y e a r ; - S u b s ta n d a r d , if a c q u ir e d m o r e th a n 1 o n e y e a r to 3 t h r e e y e a r s ; - D o u b t fu l, if a c q u ir e d m o r e t h a n 3 t h r e e y e a r s t o 5 fiv e y e a r s ; - L o s s , if a c q u ir e d m o r e th a n 5 fiv e y e a r s . T h e q u a l it y o f a b a n d o n p r o p e r tie s a r e d e t e r m in e d a s : C la s s if ic a tio n P e r io d C u r r e n t U p to 1 y e a r S u b s t a n d a r d M o r e t h a n 1 y e a r u p t o 3 y e a r s D o u b t fu l M o r e t h a n 3 y e a r s u p t o 5 y e a r s L o s s M o r e t h a n 5 y e a r s 282 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 1 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d T h e q u a l it y o f in t e r -o ffic e a c c o u n t s a n d s u s p e n s e a c c o u n t s a r e d e te r m in e d a s : - C u r r e n t , re c o r d e d in p e r io d o f 1 8 0 d a y s . - L o s s , re c o r d e d in m o r e th a n 1 8 0 d a y s . C o m m it m e n t a n d c o n t in g e n c i e s o f o f f- b a la n c e s h e e t t r a n s a c t io n s , in c l u d e s b u t is n o t lim it e d t o is s u e d g u a r a n t e e s , le t te r s o f c r e d it s , s t a n d b y le t te r s o f c r e d it a n d u n d is b u r s e d lo a n s . E s tim a t e d lo s s e s o n c o m m it m e n ts a n d c o n tin g e n c ie s a r e p r e s e n te d in t h e lia b ilit y s e c t io n o f th e b a la n c e s h e e t . j . I n v e s tm e n ts in S h a r e s o f S t o c k s I n v e s t m e n t s in s h a r e s o f s t o c k s r e p r e s e n t in v e s t m e n t in n o n p u b lic ly list e d c o m p a n ie s p r in c ip a lly e n g a g e d in th e fin a n c ia l s e rv ice s in d u s try a n d h e ld fo r lo n g te rm p u rp o s e . I n v e s t m e n ts in s h a r e s o f s t o c k s in w h ic h th e B a n k h a s a n o w n e r s h ip in te r e s t o f le s s th a n 2 0 a n d w h o s e m a rk e t p r ic e is u n a v a ila b le a re c a rr ie d a t c o s t . U n d e r t h is m e th o d , in v e s t m e n t s a r e c a rr ie d a t co s t re d u c e d b y a n a llo w a n c e fo r d im in u tio n in va lu e o f in v e s tm e n ts . I n v e s t m e n t in s h a r e s o f s t o c k a r e s ta t e d a t c o s t le s s a n a llo w a n c e fo r p o s s ib le lo s s e s . k . F i x e d A s s e t s F ix e d A s s e t s a r e c a r r ie d a t c o s t le s s a c c u m u la t e d d e p r e c i a t i o n , e x c e p t fo r la n d r ig h t s s e e N o t e 1 1 . D e p r e c ia t io n is c o m p u t e d u s in g m e t h o d s a n d u s e fu l liv e s o f th e a s s e t a s fo llo w s : M e t h o d Y e a r s B u ild in g S tr a ig h t lin e m e t h o d 2 0 V e h ic le s : C a r s D o u b le d e c lin in g m e th o d 8 M o t o rc y c le s D o u b le d e c lin in g m e th o d 4 O ffic e s u p p lie s D o u b le d e c lin in g m e th o d 4 a n d 8 I n c o m p lia n c e w it h P S A K N o . 4 7 , “ A c c o u n t in g fo r L a n d ” , la n d a c q u is i t io n a ft e r J a n u a r y 1 , 1 9 9 9 a r e s t a t e d a t c a r r y in g co s t a n d n o t d e p re c ia t e d . T h e m a te r ia l e x p e n s e s re la t e d to a c q u is it io n o r e x t e n s i o n o f la n d r ig h t s is d e fe r r e d a n d a m o r t iz e d b a s e d o n t h e s h o r t e r p e r io d b e t w e e n la n d r ig h t s o r e c o n o m ic liv e s o f th e la n d . T h e c o s t o f re p a ir s a n d m a in t e n a n c e is c h a rg e d t o c u r r e n t s t a te m e n t o f in c o m e a s in c u r r e d . S ig n ific a n t re n e w a ls a n d im p ro v e m e n t s th a t e x t e n d t h e u s e fu l life o f th e a s s e t s a re c a p it a liz e d . W h e n fix e d a s s e ts a r e r e tir e d o r o t h e rw is e d is p o s e d o f, th e ir c a rr y in g v a lu e s a n d t h e r e la te d a c c u m u la te d d e p r e c ia tio n a r e r e m o v e d fro m th e a c c o u n t s a n d a n y r e s u lt in g g a in o r lo s s is c r e d it e d o r c h a rg e d t o c u r r e n t s t a te m e n t o f in c o m e . Laporan Tahunan 2009 Annual Report 283 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 2 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d I n co m p lia n c e w it h P S A K N o .4 8 , “I m p a irm e n t in t h e V a lu e o f A s s e t s ” , B a n k re v ie w s th e ca r r y in g v a lu e s o f it s a s s e t s fo r a n y im p a ir m e n t a n d p o s s ib le w r it e - d o w n t o f a ir v a lu e s w h e n e v e r e v e n t s o r c h a n g e s in c ir c u m s t a n c e s a s d e s cr ib e d in P S A K N o . 4 8 , s h o w th a t th e ir c a r r y in g v a lu e s m a y n o t b e fu lly re c o v e r e d . T h e e x c e s s o f th e ca r ry in g v a lu e o v e r t h e e s t im a t e d re c o v e r a b le a m o u n t o f th e a s s e ts is c h a rg e d t o c u r r e n t s t a te m e n t o f in c o m e .

l. P r e p a i d E x p e n s e

P re p a id e x p e n s e is a m o rt iz e d o v e r th e ir b e n e fic ia l p e rio d s b y u s in g t h e s t r a ig h t lin e m e th o d . m . O t h e r A s s e t s O t h e r a s s e ts c o n s is t o f p r e p a id e x p e n s e s , in c o m e r e c e iv a b le s o f ija ra h , d e fe rr e d e x p e n s e , in v e n t o r ie s , a b a n d o n e d a s s e t s , p r o p e r t ie s , a n d o t h e r s . n . D e p o s it s f r o m C u s t o m e r s D e p o s its fr o m c u s t o m e rs c o n s is t o f d e m a n d d e p o s it s , s a v in g d e p o s it s a n d t im e d e p o s it s s t a te d a t t h e B a n k ’ s lia b ilit ie s to t h e c u s to m e r s . C u r r e n t a c c o u n t s a r e d e p o s it fr o m c u s to m e rs a n d c a n b e w it h d ra w n a n y t i m e u s in g c h e q u e , t r a n s f e r r e d w it h d e m a n d d e p o s i t s b ily e t o r u s i n g o t h e r p a y m e n t r e q u e s t s . C u r r e n t a c c o u n t s a r e s ta t e d a t t h e a m o u n t o f th e B a n k s lia b ilit ie s to t h e a c c o u n t h o ld e r s . S a v i n g s a r e d e p o s i t fr o m c u s t o m e r s a n d c a n b e w it h d r a w n u n d e r t e r m s a g r e e m e n t . S a v i n g s a r e s ta t e d a t t h e a m o u n t o f th e B a n k s lia b ilit ie s to t h e s a v in g s h o ld e r s . T im e d e p o s it s a r e d e p o s it fr o m c u s t o m e rs a n d c a n b e w it h d ra w n in th e s p e c ifie d p r e d e te rm in e d d a t e . T im e d e p o s its a r e s t a t e d a t n o m in a l v a lu e in d ic a t e d in t h e a g r e e m e n t w ith t h e tim e d e p o s it h o ld e r s . C e r t ific a t e s o f d e p o s i t s a r e s t a t e d a t t h e ir n o m in a l v a lu e s le s s u n a m o r t iz e d in t e r e s t . o . D e p o s it s f r o m O t h e r B a n k s D e p o s its f r o m o t h e r b a n k s re p r e s e n t lia b ilit ie s to d o m e s t ic a n d o v e r s e a s b a n k , in th e fo r m o f d e m a n d d e p o s i t s , in t e r - b a n k c a ll m o n e y w it h o r ig in a l m a t u r it ie s o f 9 0 n in e t y d a y s , t e r m d e p o s i t s a n d c e rt ific a te s o f d e p o s it s . A ll o f th e m a r e s t a te d in a c c o rd a n c e w it h to ta l lia b ilit ie s to o th e r b a n k s . D e p o s its fr o m o t h e r b a n k s in c lu d e s h a r ia d e p o s it s in th e fo r m o f w a d ia h d e m a n d d e p o s it s . p . S e c u r it ie s I s s u e d S e c u r it ie s Is s u e d re p r e s e n t F ix e d R a te N o t e s B o n d s i s s u e d b y th e B a n k , w h ic h a r e s t a te d a t n o m in a l v a lu e l e s s d e fe r r e d i s s u a n c e l o s t . T h e d e fe r r e d is s u a n c e c o s t is a m o r t iz e d o v e r t h e t e r m o f th e b o n d s u s in g s t r a ig h t lin e m e t h o d . R e p u r c h a s e b o n d s a r e p r e s e n t e d a s d e d u c t io n in s e c u rit ie s is s u e d . In te r e s t in c o m e s t h a t c o m e fr o m re p u r c h a s e b o n d a r e p re s e n te d a s d e d u ct io n in b o n d in t e re s t e x p e n s e . 284 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 3 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d q . I n te r e s t I n c o m e a n d E x p e n s e s I n te r e s t in c o m e a n d e x p e n s e s a r e re c o g n iz e d o n a n a c c r u a l b a s is , e x c e p t in te r e s t in c o m e o n lo a n s a n d o t h e r e a r n in g a s s e t s t h a t a r e c la s s ifie d a s n o n p e r fo r m in g . In te r e s t in c o m e o n liq u id it y lo a n s fr o m B a n k In d o n e s ia a r e re c o r d e d u s in g c a s h b a s is th a t is t h e B a n k w o u ld re c o r d a ft e r re c e iv in g d e b it n o te fr o m B a n k In d o n e s ia . W h e n a lo a n is c la s sifie d a s a n o n p e rfo r m in g lo a n , a n y in te r e s t in c o m e p re v io u s ly re c o g n iz e d b u t n o t y e t c o lle c t e d is r e v e rs e d a g a in s t in te re s t in c o m e . T h e r e v e rs e d in t e re s t in c o m e is re c o g n iz e d a s a co n tin g e n t re c e iva b le . I n t e r e s t in c o m e o n lo a n c la s s ifie d a s su b s t a n d a r d is re c o g n iz e d o n ly to t h e e x t e n d o f c a s h c o lle c t io n re c e iv e d . C a s h re c e ip ts fr o m lo a n s th a t a r e c la s s ifie d a s d o u b tfu l o r l o s s a r e a p p lie d to t h e lo a n p r in c ip a l fir s t . T h e e x c e s s o f c a s h re c e ip t s o v e r lo a n p rin c ip a l is re c o g n iz e d a s in te r e s t in c o m e i n c u rr e n t s ta te m e n t o f in c o m e . I n t e r e s t o n n o n p e r fo r m in g lo a n s th a t is c a p ita liz e d u p o n d e b t re s t r u c t u r in g is d iffe r e d a n d is r e c o g n iz e d a s in c o m e u p o n a c t u a l c o lle c t io n . I n t e r e s t r e c e i v a b le s o n n o n p e r fo r m in g lo a n s a r e d is c lo s e d a s co n t in g e n t re c e iv a b l e s in th e n o t e s to t h e fin a n c ia l s t a t e m e n t s . L o a n s a n d o t h e r e a r n in g a s s e t s a r e c o n s id e r e d a s n o n p e r fo r m in g w h e n th e p r in c ip a l o r in t e r e s t is 9 0 n in e t y d a y s o r m o r e p a s t d u e , o r th o s e c la s s ifie d a s s u b s t a n d a r d , d o u b t fu l o r lo s s in a c c o r d a n c e w it h B a n k In d o n e s ia ’s R e g u la t io n s , o r w h e n in th e o p in io n o f m a n a g e m e n t, th e c o lle c t io n o f in t e r e s t a n d o r p r in c ip a l is d o u b t fu l. T h e b o n d is s u a n c e c o s t s i n c lu d e th e c o s t o f n o ta ry , p u b lic a c c o u n t a n t , u n d e r w r it e r, le g a l c o n s u lt a n t , a p p r a is a l fe e a n d o th e r e x p e n s e s re c o rd e d o n “B o n d I s s u a n c e C o s t ” a n d a m o rt iz e d a c c o rd in g to t h e t e rm o f th e b o n d . I n te r e s t in c o m e a n d e x p e n s e in c lu d e s h a ria in c o m e a n d e x p e n s e s . S h a r ia in c o m e is e a r n e d fr o m p ro fit o r lo s s s h a rin g f r o m m u r a b a h a h a n d is t is h n a , m u d h a ra b a h a n d m u s y a ra k a h fin a n c in g . I n c o m e fr o m m u ra b a h a h tr a n s a c t io n i s r e c o g n i z e d u s in g th e a c c r u a l b a s is . T h e in c o m e fr o m m u d h a ra b a h a n d m u s y a r a k a h fin a n c in g is re c o g n iz e d w h e n in s t a llm e n t is re c e iv e d in ca s h . S h a ria e x p e n s e s a r e e x p e n s e s f r o m p r o fit s h a rin g o f m u d h a ra b a h s a v in g a n d w a d ia h b o n u s e s th a t a r e re c o g n iz e d w h e n t h e o b lig a t io n in c u r re d to c o n d u c t p ro fit s h a r in g i n a c c o r d a n c e w it h th e a g r e e d te r m s n is b a h . Laporan Tahunan 2009 Annual Report 285 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 4 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d r . I n c o m e o n C o m m is s io n s a n d F e e s S ig n ific a n t fe e s a n d c o m m is s io n s w h ic h a r e d ir e c t ly re la te d to t h e g ra n t in g o f lo a n s o r fo r s p e c ifie d y e a r s a re d e fe r r e d a n d a m o r t iz e d b a s e d o n th e s t r a ig h t lin e m e t h o d o v e r th e r e s p e c t iv e y e a r s . T h e u n a m o r t iz e d b a la n c e o f fe e s a n d c o m m is s io n s r e la t in g t o lo a n s th a t is s e t t le d p r io r to m a t u r ity is r e c o g n iz e d a s in c o m e a t s e t t le m e n t. F e e s a n d c o m m is s io n s w h ic h a re in d ir e c t ly re la t e d to th e g r a n tin g o f lo a n s o r n o t f o r s p e c i f i e d y e a r s a re re c o r d e d a s in c o m e u p o n e x e c u tio n o f th e t r a n s a c tio n s . s . F o r e ig n C u r r e n c y T r a n s a c t io n a n d B a la n c e T r a n s a c t io n d e n o m in a t e d in fo r e ig n c u r r e n c y a r e c o n v e r t e d in t o R u p i a h a t t h e e x c h a n g e r a t e p re v a ilin g a t th e d a t e o f t r a n s a c t io n . A t t h e b a la n c e s h e e t d a te , m o n e ta ry a s s e ts a n d lia b ilit ie s d e n o m in a te d in fo r e ig n cu rr e n c ie s a r e a d ju s t e d to R u p ia h b a se d o n th e R e u t e r s s p o t ra t e a s o f 4 :0 0 p .m . E x ch a n g e g a in s o r lo s s e s a ris in g o n tr a n s a c t io n s in fo r e ig n cu rr e n c ie s a n d o n t h e t r a n s la tio n o f fo re ig n c u r r e n c y m o n e ta ry a s s e ts a n d lia b ilit ie s a r e r e c o g n iz e d in th e c o n s o lid a t e d s ta t e m e n t o f in c o m e , e x c e p t w h e n d e f e r r e d in e q u it y a s q u a lify in g c a s h flo w h e d g e s . T r a n s la t io n d iffe r e n c e s o n d e b t s e c u r itie s a n d o t h e r m o n e t a r y fin a n c ia l a s s e t s m e a s u r e d a t fa ir v a lu e a r e in c l u d e d in fo r e ig n e x c h a n g e g a in s a n d lo s s e s . T r a n s l a t io n d iffe r e n c e s o n n o n - m o n e t a r y it e m s s u c h a s e q u it ie s h e ld fo r t r a d in g a r e re p o r te d a s p a r t o f th e fa ir v a lu e g a in o r lo s s . T r a n s la t io n d iffe r e n c e s o n a v a ila b le fo r s a le e q u it ie s a r e in c lu d e d in th e u n r e a l iz e d g a in s lo s s e s fro m ch a n g e in fa ir va lu e o f a v a ila b le fo r sa le m a rk e ta b le se c u ritie s in e q u ity . O n D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e e x c h a n g e ra te s u s e d w e re : 2 0 0 9 2 0 0 8 P o u n d s t e r lin g 1 5 ,1 6 4 .9 4 1 5 ,7 5 5 .4 2 E u r o 1 3 ,5 4 2 .4 3 1 5 ,3 5 6 .4 8 U n it e d S ta t e s D o lla r 9 ,3 9 5 .0 0 1 0 ,9 0 0 .0 0 S in g a p o re D o lla r 6 ,7 0 4 .4 9 7 ,5 8 7 .9 1 A u s tr a lia n D o lla r 8 ,4 5 3 .1 6 7 ,5 5 4 .2 6 H o n g k o n g D o lla r 1 ,2 1 1 .4 8 1 ,4 0 6 .4 4 J a p a n e s e Y e n 1 0 2 .1 9 1 2 0 .6 5 t . I n c o m e T a x e s C u r r e n t ta x e x p e n s e is b a s e d o n t h e e s tim a t e d t a x a b le in c o m e fo r th e y e a r a n d c a lc u la t e d u s in g t h e e n a ct e d ta x ra te s . D e fe rr e d t a x a s s e ts a n d lia b ilit ie s a r e r e c o g n iz e d f o r te m p o r a ry d iffe re n c e s b e t w e e n a s s e t s a n d lia b ilit ie s fo r th e p u r p o s e o f c o m m e rc ia l a n d fis c a l o n e a c h re p o rt in g d a t e . F u t u r e t a x b e n e fit s s u c h a s c a rr y fo rw a rd o f u n u s e d ta x lo s s e s a r e r e c o g n iz e d to t h e e x t e n t th a t r e a liz a tio n o f s u c h b e n e fit is p r o b a b le . D e fe rr e d ta x a s s e ts a n d lia b ilit ie s a re m e a s u r e d b a s e d o n t h e t a x ra te s a r e e x p e c t e d to b e a p p lie d t o t h e p e r io d w h e n th e a s s e ts a r e r e a liz e d o r w h e n th e lia b ilit ie s a r e s e tt le d b a s e d o n ta x ra te s a n d t a x la w th a t h a v e b e e n e n a c t e d o r e ffe c t iv e o n th e b a la n c e s h e e t d a te . 286 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 5 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d A m e n d m e n t s to t a x o b lig a t io n s a r e r e co rd e d w h e n a n a s s e s s m e n t is re c e iv e d o r if a p p e a le d a g a in s t b y th e B a n k , w h e n th e r e s u lt s o f th e a p p e a l a r e d e t e rm in e d . u . P e n s io n F u n d a n d E m p lo y e e B e n e f its P r o g r a m P e n s io n F u n d P e n s io n p la n is fu n d e d b y t h e B a n k a n d e m p lo y e e s ’ c o n t rib u t io n o f 3 9 a n d 5 o f th e e m p lo y e e s ’ m o n th ly s a la r ie s re s p e c t iv e ly . B a n k ’s c o n t r ib u tio n s m a d e a r e c h a rg e d to cu rr e n t s t a t e m e n t o f in c o m e . E m p lo y e e B e n e f it s P r o g r a m T h e B a n k p r o v id e s e m p lo y e e d e fin e d b e n e fit s a c c o rd in g t o L a b o r L a w N o .1 3 2 0 0 3 . B a s e d o n P S A K N o .2 4 R e v is io n o f 2 0 0 4 , ”E m p lo y e e B e n e fit s ” , t h e lia b ilit y o f p a s t s e r v ic e c o s t is e s t im a t e d u s in g P ro je c t e d U n it C re d it M e t h o d . N o fu n d in g o f b e n e fit s h a s b e e n a llo ca te d b y t h e B a n k in re g a rd s t o t h e e s t im a t e d lia b ilit y . B a s e d o n P S A K N o . 2 4 R e v is io n o f 2 0 0 4 , t h e e m p lo y e e b e n e fit e x p e n s e is r e c o g n iz e d d i r e c t ly , e x c e p t fo r t h e a c t u a r ia l g a in lo s s a n d n o n v e s t e d p a s t s e r v i c e c o s t . A c tu a r ia l g a in o r l o s s e s a r e re c o g n iz e d a s in c o m e o r e x p e n s e w h e n th e n e t c u m u la t iv e u n re c o g n iz e d a c t u a r ia l g a in s o r lo s s e s a t t h e e n d o f p r e v io u s r e p o r t in g y e a r e x c e e d e d 1 0 o f th e p r e s e n t v a lu e o f th e d e fin e d b e n e fit o b lig a t io n a r e a m o r t iz e d u s in g s t r a ig h t lin e m e t h o d fo r th e r e m a in in g w o r k i n g l i v e s . H o w e v e r , a c t u a r ia l g a in lo s s fr o m lia b ili t y u p o n e m p lo y e e s w h o a r e b e y o n d n o rm a l re tir e m e n t a g e b u t s t ill a c tiv e is re c o g n iz e d im m e d ia te ly s in c e t h e lia b ilit y is a lr e a d y d u e . R e s e rv e s a r e a llo ca te d if b a s e d o n th e c o m p a r is o n o f re tu r n t h a t w ill b e r e c e iv e d b y t h e e m p lo y e e s o n n o rm a l re t ir e m e n t a g e fr o m th e re t u r n in a c c o r d a n c e w it h th e L a w s , a ft e r s u b tr a c t e d fr o m a c c u m u la t io n fr o m e m p lo y e e c o n tr ib u tio n a n d r e t u rn o n re la t e d in v e s tm e n t s t ill in a d e q u a te . If th e fu n d p o r t io n o f th e e m p lo y e r fr o m P e n s io n P r o g r a m re t u r n is in a d e q u a t e fr o m re t u r n re g u la t e d b y L a w s , th e n th e B a n k w ill c o v e r t h e r e m a in in g fu n d s . v . N e t I n c o m e P e r S h a r e N e t in c o m e p e r s h a r e is c o m p u te d b y d iv i d i n g n e t in c o m e w it h w e ig h te d a v e r a g e n u m b e r o f s h a r e s o u t s t a n d in g d u r in g t h e r e la t e d y e a r . w . S e g m e n t I n f o r m a t io n S e g m e n t in fo r m a t io n is p re p a r e d u s in g t h e a c c o u n t in g p o lic ie s a d o p te d fo r p re p a r in g a n d p r e s e n t in g t h e fin a n c i a l s ta t e m e n t s . T h e p r im a r y s e g m e n t in fo r m a t io n is b a s e d o n b u s in e s s s e g m e n t s , B a n k a n d S h a r ia u n it . B a n k s ’ s lo c a t io n a r e o n ly in D K I J a k a r t a a r e a ; t h e r e fo r e , t h e r e is n o in fo r m a t io n p r e s e n t e d fo r g e o g r a p h i c a l s e g m e n t . Laporan Tahunan 2009 Annual Report 287 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 6 2 . S U M M A R Y O F S I G N I F I C A N T A C C O U N T I N G P O L I C I E S C o n t i n u e d x . U s e o f E s tim a t e s T h e p re p a ra tio n o f fin a n c ia l s t a te m e n t s in c o n fo rm it y w it h a c c o u n t in g p rin c ip le s g e n e ra lly a c c e p t e d in In d o n e s ia r e q u i r e s t h e M a n a g e m e n t to m a k e e s t im a t e s a n d a s s u m p t io n s th a t a ffe c t th e r e p o rt e d a m o u n t s o f a s s e ts a n d lia b ilit ie s a n d t h e d is c lo s u r e o f t h e c o n t in g e n t a s s e ts a n d lia b ilit ie s a t th e d a te o f th e fin a n c ia l s t a t e m e n ts a n d th e re p o r t e d a m o u n t s o f re v e n u e s a n d e x p e n s e s d u rin g t h e r e p o r tin g p e r io d . A c t u a l re s u lt s c o u ld d iffe r fr o m th o s e e s t im a t e s . 3 . C A S H 2 0 0 9 2 0 0 8 R u p ia h 5 2 8 ,4 0 7 ,5 6 5 ,2 1 0 3 9 6 ,8 0 3 ,5 3 4 ,7 9 0 F o r e ig n c u r r e n c ie s : U S D o lla r 7 7 8 ,5 6 3 ,6 5 0 5 8 8 ,6 0 0 ,0 0 0 E u ro 9 1 ,2 7 5 ,9 4 5 1 1 2 ,2 5 5 ,8 3 2 A u s t r a lia n D o lla r 1 3 ,0 6 0 ,1 2 4 6 4 ,1 7 3 ,4 3 9 S in g a p o re D o lla r 1 5 ,3 0 6 ,3 6 2 1 3 ,4 4 5 ,7 6 8 J a p a n e s e Y e n 5 ,1 0 9 ,5 0 0 6 ,0 3 2 ,2 5 0 P o u n d s t e r lin g 3 ,9 4 2 ,8 8 4 3 ,1 5 1 ,0 8 3 H o n g k o n g D o lla r - - - - 9 0 7 ,2 5 8 ,4 6 5 7 8 7 ,6 5 8 ,3 7 2 T o t a l 5 2 9 ,3 1 4 ,8 2 3 ,6 7 5 3 9 7 ,5 9 1 ,1 9 3 ,1 6 2 T h e R u p ia h b a la n c e in c lu d e s th e c a s h a m o u n t in A T M ’s A u t o m a tic T e lle r M a c h in e s a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a m o u n t e d to R p 2 4 ,0 8 0 ,2 0 0 ,0 0 0 a n d R p 5 ,9 5 7 ,6 5 0 ,0 0 0 . 4 . C U R R E N T A C C O U N T S W I T H B A N K I N D O N E S I A 2 0 0 9 2 0 0 8 C u r r e n t a c c o u n t s R u p ia h 6 6 4 ,7 3 1 ,2 6 4 ,0 9 2 5 0 0 ,2 3 2 ,5 8 0 ,3 8 5 U S D o lla r 6 ,5 7 6 ,1 6 1 ,7 8 0 1 ,0 9 0 ,0 0 0 ,0 0 0 T o t a l 6 7 1 ,3 0 7 ,4 2 5 ,8 7 2 5 0 1 ,3 2 2 ,5 8 0 ,3 8 5 B a n k a r e r e q u ir e d to m a in t a in s t a tu t o ry re s e rv e s G W M in R u p ia h a m o u n t in g 5 a n d 1 in fo re ig n c u r r e n c ie s o f th ir d p a r t y fu n d s in R u p ia h a n d fo r e ig n c u r r e n c ie s , re s p e c t iv e ly . In 2 0 0 9 a n d 2 0 0 8 b e s id e o f p rim a r y s t a t u to r y re s e r v e s , B a n k a r e re q u ire d to m a in ta in s e c o n d a ry s t a t u to r y re s e r v e s a m o u n t in g 2 .5 o f th ird p a rt y fun d s in R u p ia h . 288 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 7 4 . C U R R E N T A C C O U N T S W I T H B A N K I N D O N E S I A C o n t i n u e d T h e p e r c e n t a g e o f B a n k ’s G W M a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , re s p e c tiv e ly , a r e a s fo llo w s : 2 0 0 9 2 0 0 8 R u p ia h - p rim a r y 5 .1 1 5 .1 8 - s e c o n d a r y 3 0 . 7 6 - - F o r e ig n cu rr e n c ie s 2 .6 6 3 .6 7 T h e B a n k ’s G W M a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 h a s c o m p lie d w it h B a n k In d o n e s ia re g u la t io n . 5 . C U R R E N T A C C O U N T S W I T H O T H E R B A N K S 2 0 0 9 2 0 0 8 R u p ia h N o n R e g io n a l D e v e lo p m e n t B a n k s N o n B P D 7 0 9 ,5 7 7 ,5 3 0 6 3 3 ,2 1 7 ,9 2 5 R e g io n a l D e v e lo p m e n t B a n k s B P D 4 ,4 8 1 ,0 3 8 ,8 1 3 2 ,0 7 8 ,1 4 4 ,5 4 0 5 ,1 9 0 ,6 1 6 ,3 4 3 2 ,7 1 1 ,3 6 2 ,4 6 5 F o re ig n c u r r e n c ie s J a p a n e s e Y e n 1 ,8 4 9 ,8 9 2 ,8 4 0 2 6 ,1 8 1 ,9 6 1 ,0 7 2 U S D o lla r 2 4 8 ,3 9 4 ,4 0 5 ,5 6 4 9 ,2 9 8 ,3 5 5 ,4 1 7 E u ro 6 ,4 5 5 ,2 3 9 ,2 8 6 6 ,5 7 0 ,2 7 7 ,5 0 3 S in g a p o re D o lla r 6 6 5 ,6 6 0 ,8 8 1 8 0 7 ,4 6 4 ,7 1 0 A u s t r a lia n D o lla r 2 5 7 ,9 2 5 ,1 1 6 2 1 4 ,5 1 3 ,7 8 8 2 5 7 ,6 2 3 ,1 2 3 ,6 8 7 4 3 ,0 7 2 ,5 7 2 ,4 9 0 T o ta l 2 6 2 ,8 1 3 ,7 4 0 ,0 3 0 4 5 ,7 8 3 ,9 3 4 ,9 5 5 L e s s : A llo w a n ce fo r P o s s ib le L o s s e s 8 ,1 5 4 ,9 8 3 ,4 3 9 6 ,7 0 5 ,2 3 6 ,8 9 5 N e t 2 5 4 ,6 5 8 , 7 5 6 ,5 9 1 3 9 ,0 7 8 ,6 9 8 ,0 6 0 T h e a v e r a g e a n n u a l in t e r e s t ra t e a r e a s fo llo w s : 2 0 0 9 2 0 0 8 R u p ia h 2 .0 4 2 .0 3 F o r e ig n cu rr e n c ie s 1 .1 0 1 .2 3 Laporan Tahunan 2009 Annual Report 289 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 8 5 . C U R R E N T A C C O U N T S W I T H O T H E R B A N K S C o n t i n u e d T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B a la n c e a t b e g in n in g o f th e y e a r 6 ,7 0 5 ,2 3 6 ,8 9 5 1 2 8 ,6 0 8 ,4 4 8 P r o v is io n d u r in g th e y e a r 2 ,4 3 8 ,4 5 6 ,5 6 1 6 ,7 3 3 ,7 3 7 ,0 2 8 T r a n s la t io n d iffe r e n c e s 9 8 8 ,7 1 0 ,0 1 7 1 5 7 ,1 0 8 ,5 8 1 B a la n c e a t e n d o f th e y e a r 8 ,1 5 4 ,9 8 3 ,4 3 9 6 ,7 0 5 ,2 3 6 ,8 9 5 C u r r e n t a c c o u n t s w it h o th e r b a n k s a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 w e re c la s s ifie d a s c u r r e n t , e x c e p t fo r c u rr e n t a c c o u n t w it h I n d o v e r B a n k a m o u n t in g R p 5 ,5 8 2 ,8 5 9 ,9 6 6 w h i c h w a s c l a s s ifie d a s lo s s b e c a u s e th is b a n k is b a n k r u p t. A llo w a n c e fo r p o s s ib le lo s s e s in c lu d e g e n e r a l p r o v is io n a m o u n t in g 1 in a cc o r d a n c e w it h B I re g u la t io n fo r a ll c u rr e n t a c c o u n t c la s s ifie d a s c u rr e n t a n d s p e c ia l p ro v is io n a m o u n t in g 1 0 0 fo r c u r r e n t a c c o u n t s c la s s ifie d a s lo s s . O n M a rc h 1 0 , 2 0 1 0 th e B a n k h a v e r e c e ip t p a y m e n t fr o m In d o v e r B a n k a m o u n t in g R p 2 ,6 2 3 ,9 4 5 , 2 1 4 e q u iv a le n t E u r o 1 9 3 , 7 5 7 .3 4 s e e N o t e s 4 2 . M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r p o s s ib le lo s s e s w h ic h m ig h t a r is e fr o m u n c o lle c t ib le c u rr e n t a c c o u n t s w it h o t h e r b a n k s . 6 . P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A 2009 Type of Placements Period Interest Rate per annum Total Rupiah Bank Indonesia Deposits Facilities 4 Days 6.00 1,563,218,520,986 Call money 4 -7 Days 6.35 - 6.60 435,000,000,000 Time deposit 33 Days 6.80 100,000,000,000 Bank of Indonesia Sharia Deposits Facilities 5 Days 6.00 20,900,000,000 2,119,118,520,986 Less: Allowance for Possible Losses 5,350,000,000 Total 2,113,768,520,986 Note: after deducting deferred interest amounting to Rp 781,479,014. 290 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 1 9 6 . P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A C o n t i n u e d 2008 Type of Placements Period Interest Rate per annum Total Rupiah Bank Indonesia Deposits Facilities 5 Days 9.08 605,381,069,156 Call money 9.5 Days 10.31 55,000,000,000 Time deposit 92 Days 10.75 1,349,700,000 661,730,769,156 Less: Allowance for possible losses 563,497,000 Total 661,167,272,156 Note: after deducting deferred interest amounting Rp 618,930,844. P la c e m e n t s w it h o t h e r b a n k s a n d B a n k I n d o n e s ia a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 c la s s ifie d b a s e d o n r e m a in in g p e r io d s t o m a t u r it y a r e a s fo llo w s : 2 0 0 9 T y p e o f p l a c e m e n t s  1 m o n t h 1 - 3 m o n t h s 3 - 1 2 m o n t h s 1 2 m o n t h s T o t a l R u p i a h B a n k I n d o n e s ia D e p o s it s F a c ilit ie s 1 , 5 6 3 , 2 1 8 , 5 2 0 , 9 8 6 - - - - - - 1 , 5 6 3 , 2 1 8 , 5 2 0 , 9 8 6 C a ll m o n e y 4 3 5 , 0 0 0 , 0 0 0 , 0 0 0 - - - - - - 4 3 5 , 0 0 0 , 0 0 0 , 0 0 0 T im e d e p o s it - - 1 0 0 , 0 0 0 , 0 0 0 , 0 0 0 - - - - 1 0 0 , 0 0 0 , 0 0 0 , 0 0 0 B a n k I n d o n e s ia S h a r i a D e p o s it s F a c ilit ie s 2 0 , 9 0 0 , 0 0 0 , 0 0 0 - - - - - - 2 0 , 9 0 0 , 0 0 0 , 0 0 0 2 , 0 1 9 , 1 1 8 , 5 2 0 , 9 8 6 1 0 0 , 0 0 0 , 0 0 0 , 0 0 0 - - - - 2 , 1 1 9 , 1 1 8 , 5 2 0 , 9 8 6 L e s s : A llo w a n c e fo r p o s s ib le lo s s e s 5 , 3 5 0 , 0 0 0 , 0 0 0 T o t a l 2 , 1 1 3 , 7 6 8 , 5 2 0 , 9 8 6 2 0 0 8 T y p e o f p l a c e m e n t s  1 m o n t h 1 - 3 m o n t h s 3 - 1 2 m o n t h s 1 2 m o n t h s T o t a l R u p i a h B a n k I n d o n e s ia D e p o s it s F a c ilit ie s 6 0 5 , 3 8 1 , 0 6 9 , 1 5 6 - - - - - - 6 0 5 , 3 8 1 , 0 6 9 , 1 5 6 C a ll m o n e y 5 5 , 0 0 0 , 0 0 0 , 0 0 0 - - - - - - 5 5 , 0 0 0 , 0 0 0 , 0 0 0 T im e d e p o s it - - 1 , 3 4 9 , 7 0 0 , 0 0 0 - - - - 1 , 3 4 9 , 7 0 0 , 0 0 0 6 6 0 , 3 8 1 , 0 6 9 , 1 5 6 1 , 3 4 9 , 7 0 0 , 0 0 0 - - - - 6 6 1 , 7 3 0 , 7 6 9 , 1 5 6 L e s s : A llo w a n c e fo r p o s s ib le lo s s e s 5 6 3 , 4 9 7 , 0 0 0 T o t a l 6 6 1 , 1 6 7 , 2 7 2 , 1 5 6 Laporan Tahunan 2009 Annual Report 291 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 0 6 . P L A C E M E N T W I T H O T H E R B A N K S A N D B A N K I N D O N E S I A C o n t i n u e d T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s in p la c e m e n t s w it h o t h e r b a n k s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B a la n c e a t b e g in n in g o f th e y e a r 5 6 3 ,4 9 7 ,0 0 0 7 5 0 ,0 0 0 ,0 0 0 P r o v is io n d u r in g th e y e a r 4 ,7 8 6 ,5 0 3 ,0 0 0 1 ,4 9 3 ,9 7 3 ,1 0 4 T r a n s la t io n d iffe r e n c e s - - 1 ,6 8 0 ,4 7 6 ,1 0 4 B a la n c e a t e n d o f th e y e a r 5 ,3 5 0 ,0 0 0 ,0 0 0 5 6 3 ,4 9 7 ,0 0 0 T h e c o lle c t ib ilit y o f a ll p la c e m e n t s w it h o t h e r b a n k s is c u r re n t f o r y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e fo r p o s s ib le lo s s e s co n s ists o f 1 g e n e ra l re se rv e o n a c c o u n ts in a c c o rd a n c e w ith B a n k In d o n e s ia ’s r e g u la t io n fo r a ll p la c e m e n t s in o t h e r b a n k s . M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r p o s s ib le lo s s e s w h ic h m ig h t a r is e fr o m u n c o lle c t ib le p la c e m e n t s w it h o t h e r b a n k s . 7 . S E C U R I T I E S a . T y p e o f f o r e ig n c u r r e n c i e s Average Annual Interest Rate Total 2009 2008 2009 2008 Rupiah Held- to-Maturity Certificates of Bank Indonesia 7.93 11.00 977,500,000,000 647,516,000,000 Unamortized discount 2,925,824,603 1,443,058,375 Net value 974,574,175,397 646,072,941,625 Other bonds 11.48 12.87 2,312,137,027,783 2,581,901,528,034 Unamortized discount -- -- Net value 2,312,137,027,783 2,581,901,528,034 Total held-to-maturity Securities 3,286,711,203,180 3,227,974,469,659 Trading Other bonds 11.70 10.81 1,095,361,624,998 1,676,985,288,728 Unrealized loss on increase in value -- 1,070,400,216 Fair value 1,095,361,624,998 1,675,914,888,512 Total Trading Securities 1,095,361,624,998 1,675,914,888,512 Total Securities - Rupiah 4,382,072,828,178 4,903,889,358,171 292 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 1 7 . S E C U R I T I E S C o n t i n u e d Average Annual Interest Rate Total 2009 2008 2009 2008 United States Dollar Held-to-Maturity Other bonds 7.03 6.96 95,470,628,195 110,224,844,009 Unamortized discount -- -- Net value 95,470,628,195 110,224,844,009 Total Held-to-Maturity Securities 95,470,628,195 110,224,844,009 Trading Other bonds -- -- Unrealized gain on increase in value -- -- Fair value -- -- Total Trading Securities -- -- Total Securities-United State Dollar 95,470,628,195 110,224,844,009 Total Securities 4.477.543.456.373 5.014.114.202.180 Less : Allowance for possible losses 7,705,181,873 8,708,369,187 Net 4,469,838,274,500 5,005,405,832,993 b . B a s e d o n is s u e r s a n d r a t in g s o f b o n d s Rating Total 2009 2008 2009 2008 Rupiah Bond Government Ba2 Ba3 2,696,053,558,023 3,427,299,254,126 State-Owned Enterprises PT Bank Tabungan Negara Persero -- idAA- -- 29,606,284,722 PT Bank Negara Indonesia Persero Tbk idAA- idAA- 59,915,380,370 59,859,929,445 PT Perusahaan Listrik Negara Persero Tbk idAA- idAA- 46,000,883,119 45,590,259,787 PT Jasa Marga Persero Tbk idAA- idAA- 38,081,407,122 37,920,105,199 PT Bank Ekspor Impor Persero idAAA idAAA 25,000,000,000 25,000,000,000 Perum Pegadaian idAA+ idAA+ 32,514,042,063 32,579,799,151 PT Bank Rakyat Indonesia Persero Tbk idAA+ idAA+ 25,000,000,000 25,000,000,000 PT Indosat Tbk BB+ idAA+ 72,179,507,499 37,278,084,500 PT PTPN IV -- idA -- 7,006,150,050 PT Pupuk Kaltim idAA- -- 5,000,000,000 -- Laporan Tahunan 2009 Annual Report 293 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 2 7 . S E C U R I T I E S C o n t i n u e d Rating Total 2009 2008 2009 2008 Other Companies PT Indofood Sukses Makmur Tbk idAA+ idAA+ 144,969,041,950 145,325,365,974 PT BPD Jawa Barat -- idA+ -- 73,597,992,491 PT Bentoel International Investama Tbk idA idA 86,571,985,270 85,275,947,054 PT BPD Nusa Tenggara Barat idBBB+ Aa3.id 20,000,000,000 20,000,000,000 PT Pembangunan Jaya Ancol Tbk idA+ idA+ 20,020,830,709 20,063,366,142 PT BPD Sulawesi Utara idBBB+ idBBB+ 14,984,616,655 14,942,399,207 PT Medco Energi Internasional Tbk idAA- idAA- 3,151,500,000 14,698,319,101 PT BPD Lampung idBBB+ idBBB+ 4,000,000,000 4,000,000,000 PT Bank Permata Tbk -- idA -- 9,693,530,000 PT Bank Danamon idAA+ idAA+ 27,917,800,000 39,363,974,608 PT Bank Mega idA+ idA+ 16,138,100,000 16,073,738,000 PT Bank Buana -- idA+ -- 8,149,288,000 PT Bank Panin idAA+ idA+ 50,000,000,000 50,004,750,000 PT HM Sampoerna idAAA idAAA -- 6,646,558,989 PT Malindo Feedmil idAA- idA+ 20,000,000,000 20,001,220,000 PT Exelcom -- idAA- -- 2,840,100,000 Total Bonds 3,407,498,652,780 4,257,816,416,546 Other Securities Bank Indonesia 974,574,175,397 646,072,941,625 Total Other Securities 974,574,175,397 646,072,941,625 Total Securities - Rupiah 4,382,072,828,178 4,903,889,358,171 United States Dollar Bonds Republic of Indonesia Ba2 Ba3 59,478,082,742 68,737,159,259 States Owned Enterprises PT PLN Ba2 Ba3 35,992,545,453 41,487,684,750 Total Bonds 95,470,628,195 110,224,844,009 95,470,628,195 110,224,844,009 Total Securities 4,477,543,456,373 5,014,114,202,180 Less: Allowance for possible losses 7,705,181,873 8,708,369,187 Total Securities - Net 4,469,838,274,500 5,005,405,832,993 Pefindo Moody’s Fitch Ratings 294 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 3 7 . S E C U R I T I E S C o n t i n u e d T e r m o f s e c u r it ie s b a s e d o n a c q u is it io n d a t e u p t o m a t u r it y d a t e , a r e a s fo llo w s : 2 0 0 9 2 0 0 8 R u p ia h C e r tific a t e s o f B a n k In d o n e s ia 8 - 2 8 D a y s 2 8 - 3 2 D a y s B o n d s 3 - 2 1 Y e a r s 5 M o n t h s - 3 8 Y e a r s U n it e d S t a te s D o lla r B o n d s 8 - 3 0 Y e a r s 8 - 3 8 Y e a r s D u r i n g t h e y e a r 2 0 0 9 , s e c u r it ie s c la s s ifie d a s h e ld to m a t u r i t y h a s m a t u r e d a m o u n t e d t o R p 1 4 5 ,5 0 0 ,0 0 0 ,0 0 0 . c . B a s e d o n g o v e r n m e n t a n d n o n g o v e r n m e n t c la s s if ic a tio n 2 0 0 9 2 0 0 8 P a rt ie s G o v e rn m e n t S e cu rit ie s 3 ,7 3 0 ,1 0 5 ,8 1 6 ,1 6 2 4 ,4 8 3 ,4 3 7 ,6 5 2 ,6 1 4 N o n G o v e r n m e n t S e cu rit ie s 7 4 7 ,4 3 7 ,6 4 0 ,2 1 1 5 3 0 ,6 7 6 ,5 4 9 ,5 6 6 4 ,4 7 7 ,5 4 3 ,4 5 6 ,3 7 3 5 ,0 1 4 ,1 1 4 ,2 0 2 ,1 8 0 L e s s : A llo w a n c e fo r p o s s ib le lo s s e s 7 ,7 0 5 ,1 8 1 ,8 7 3 8 ,7 0 8 ,3 6 9 ,1 8 7 T o t a l 4 ,4 6 9 ,8 3 8 ,2 7 4 ,5 0 0 5 ,0 0 5 ,4 0 5 ,8 3 2 ,9 9 3 A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e fa ir v a lu e o f a v a ila b le - fo r - s a le a n d t h e c o s t n e t o f a m o rt iz a tio n o f d is c o u n t o r p r e m iu m o f h e ld -t o -m a tu r it y s e c u r it ie s , b a s e d o n th e re m a in in g p e r io d s t o m a t u r it y d a t e a r e a s fo llo w s : 2009 Type of Securities  1 month 1-3 months 3-12 months 1-5 years 5 years Total Trading Fair Value Rupiah -- -- -- 223,215,025,000 872,146,600,000 1,095,361,625,000 United States Dollar -- -- -- -- -- -- Sub Total -- -- -- 223,215,025,000 872,146,600,000 1,095,361,625,000 Held-to-Maturity Cost-Net of Amortization Rupiah 974,574,175,397 110,203,463,771 159,003,764,176 827,457,787,461 1,215,472,012,373 3,286,711,203,178 United States Dollar -- -- -- -- 95,470,628,195 95,470,628,195 Sub Total 974,574,175,397 110,203,463,771 159,003,764,176 827,457,787,461 1,310,942,640,568 3,382,181,831,373 Total 974,574,175,397 110,203,463,771 159,003,764,176 1,050,672,812,461 2,183,089,240,568 4,477,543,456,373 Less : Allowance for possible losses 7,705,181,873 Net 4,469,838,274,500 Laporan Tahunan 2009 Annual Report 295 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 4 7 . S E C U R I T I E S C o n t i n u e d 2008 Type of Securities  1 month 1-3 months 3-12 months 1-5 years 5 years Total Trading Fair Value Rupiah -- -- 14,000,000,000 185,748,969,443 1,476,165,919,069 1,675,914,888,512 Sub Total -- -- 14,000,000,000 185,748,969,443 1,476,165,919,069 1,675,914,888,512 Held-to-Maturity Cost-Net of Amortization Rupiah -- -- 168,031,829,266 484,488,558,489 2,575,454,081,904 3,227,974,469,659 United States Dollar -- -- -- -- 110,224,844,009 110,224,844,009 Sub Total -- -- 168,031,829,266 484,488,558,489 2,685,678,925,913 3,338,199,313,668 Total -- -- 182,031,829,266 670,237,527,932 4,161,844,844,982 5,014,114,202,180 Less: Allowance for possible losses 8,708,369,187 Net 5,005,405,832,993 A ll th e s e c u r it ie s o w n e d b y th e B a n k is p u b lis h e d b y th ir d p a r t ie s . T h e c o lle c t ib ilit y o f s e c u r it ie s is c u r r e n t in y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e f o r p o s s ib le lo s s e s c o n s is t s o f 1 g e n e ra l re s e r v e in a cc o r d a n c e w ith B a n k In d o n e s ia ’s re g u la t io n . T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s o n s e c u r it ie s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B e g in n in g b a la n c e o f th e y e a r 8 ,7 0 8 ,3 6 9 ,1 8 7 7 ,8 7 9 ,0 9 3 ,4 8 7 P r o v is io n r e v e rs a l d u rin g th e y e a r 9 5 6 ,1 6 9 ,7 2 2 1 ,0 0 8 ,5 6 1 ,1 7 7 T r a n s la t io n d iffe r e n c e s 4 7 ,0 1 7 ,5 9 2 1 7 9 ,2 8 5 ,4 7 7 E n d in g b a la n c e o f th e y e a r 7 ,7 0 5 ,1 8 1 ,8 7 3 8 ,7 0 8 ,3 6 9 ,1 8 7 M a n a g e m e n t b e lie v e s t h a t th e a b o v e a llo w a n c e fo r p o s s ib le lo s s e s is a d e q u a t e t o c o v e r p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le s e c u r it ie s . 296 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 5 8 . R E V E R S E R E P O 2009 Customer Type Par Value Starting Date Maturity Date Reverse Repo Unamortized Interest Income Net Value Rupiah PT Mandiri Sekuritas FR0045 70,000,000,000 211209 070110 69,913,200,000 21,905,882 69,891,294,118 PT Mandiri Sekuritas FR0047 55,000,000,000 141209 140110 53,784,500,000 19,870,968 53,764,629,032 PT Amcapital Sekuritas FR0047 25,000,000,000 151209 180110 24,395,000,000 10,588,235 24,384,411,765 Total 150,000,000,000 148,092,700,000 52,365,085 148,040,334,915 2008 Customer Type Par Value Starting Date Maturity Date Reverse Repo Unamortized Interest Income Net Value Rupiah PT Mandiri Sekuritas FR0028 20,000,000,000 181208 140109 19,550,000,000 41,481,481 19,508,518,519 PT Mandiri Sekuritas FR0028 15,000,000,000 191208 140109 14,661,000,000 31,500,000 14,629,500,000 PT Mandiri Sekuritas FR0028 15,000,000,000 231208 140109 14,652,000,000 31,500,000 14,620,500,000 PT Danareksa Sekuritas FR0043 18,000,000,000 011208 050109 11,705,400,000 771,429 11,704,628,571 PT Danareksa Sekuritas FR0043 15,000,000,000 031208 070109 10,667,700,000 3,540,000 10,664,160,000 PT Danareksa Sekuritas FR0043 15,000,000,000 241208 120109 9,753,150,000 1,989,474 9,751,160,526 PT Mandiri Sekuritas FR0045 6,500,000,000 241208 270109 5,214,950,000 11,872,059 5,203,077,941 PT Danareksa Sekuritas FR0046 20,000,000,000 031208 070109 13,222,400,000 4,480,000 13,217,920,000 PT Mandiri Sekuritas FR0047 20,000,000,000 241208 270109 17,470,000,000 55,588,235 17,414,411,765 PT Mandiri Sekuritas FR0047 20,000,000,000 241208 270109 17,470,000,000 55,588,235 17,414,411,765 PT Mandiri Sekuritas FR0047 95,000,000,000 301208 300109 89,345,600,000 457,838,710 88,887,761,290 PT Danareksa Sekuritas FR0048 5,000,000,000 031208 070109 3,331,400,000 1,280,000 3,330,120,000 PT Mandiri Sekuritas FR0048 4,000,000,000 241208 270109 3,375,200,000 12,070,588 3,363,129,412 PT Danareksa Sekuritas FR0048 15,000,000,000 241208 230109 9,764,700,000 11,270,000 9,753,430,000 PT Mandiri Sekuritas Seri ORI 004 3,000,000,000 241208 270109 2,818,500,000 10,720,588 2,807,779,412 PT AmCapital Indonesia Seri ORI 004 35,000,000,000 301208 300109 35,047,950,000 167,322,581 34,880,627,419 Total 321,500,000,000 278,049,950,000 898,813,380 277,151,136,620 B a n k d o e s n o t m a k e a llo w a n c e fo r p o s s ib le lo s s e s d u e t o t h e fa c t th a t th e b o n d r e p r e s e n t s a g o v e r n m e n t b o n d a n d in a cc o r d a n c e w it h th e R e g u la t io n o f B a n k In d o n e s ia N o . 7 2 P B I 2 0 0 5 re g a r d in g t h e A s s e s s m e n t o f A s s e t Q u a lit y o f G e n e r a l B a n k , a r t ic le 4 5 p o in t 2 , it is s ta t e d t h a t G e n e r a l R e s e r v e e x c lu d e s o f E a r n in g A s s e ts in th e fo rm o f S B I a n d S U N a n d g u a ra n te e d w it h c a s h p le d g e d . Laporan Tahunan 2009 Annual Report 297 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 6 9 . L O A N S a . B y T y p e s o f L o a n s 2009 Current Special Mention Substandard Doubtful Loss Total Working Capital 527,246,024,128 15,989,659,097 3,504,502,149 19,986,359,738 112,077,371,143 678,803,916,255 Consumer 4,137,242,993,542 106,901,906,572 7,796,056,516 18,956,481,947 69,935,658,024 4,340,833,096,601 Investment 908,009,360,407 86,413,276,749 57,599,840,253 3,848,283,579 4,317,221,141 1,060,187,982,129 Sharia Financing 549,140,221,479 7,202,169,940 15,272,038,206 86,773,871,059 1,877,151,734 660,265,452,418 Loan to Directors and Employees 261,664,656,289 219,197,909 -- 400,297,328 1,130,501,024 263,414,652,550 Sub Total 6,383,303,255,845 216,726,210,267 84,172,437,124 129,965,293,651 189,337,903,066 7,003,505,099,953 Less Allowance for Possible Losses 63,833,032,558 7,692,022,126 9,402,637,742 8,237,189,019 144,521,078,944 233,685,960,389 Total 6,319,470,223,287 209,034,188,141 74,769,799,382 121,728,104,632 44,816,824,122 6,769,819,139,564 2008 Current Special Mention Substandard Doubtful Loss Total Working Capital 636,010,982,001 32,085,198,501 19,850,350,754 18,617,281,602 42,878,989,925 749,442,802,783 Consumer 4,409,138,519,354 173,554,205,216 5,893,316,846 8,737,761,109 80,483,472,201 4,677,807,274,726 Investment 138,010,550,378 18,343,627,749 1,209,581,309 1,994,206,834 12,122,715,362 171,680,681,632 Sharia Financing 489,401,634,991 2,330,916,429 123,039,500,051 714,901,071 2,418,575,395 617,905,527,937 Loan to Directors and Employees 258,939,582,922 404,842,214 47,721,214 -- 1,154,612,077 260,546,758,427 Sub Total 5,931,501,269,646 226,718,790,109 150,040,470,174 30,064,150,616 139,058,364,960 6,477,383,045,505 Less Allowance for Possible Losses 35,280,437,999 8,389,012,122 32,361,830,135 14,818,848,110 139,058,364,960 229,908,493,326 Total 5,896,220,831,647 218,329,777,987 117,678,640,039 15,245,302,506 -- 6,247,474,552,179 b . B y E c o n o m ic S e c t o r s 2009 Current Special Mention Substandard Doubtful Loss Total General Trading and Administration 196,285,325,019 9,979,777,273 828,584,814 8,401,050,238 35,465,402,581 250,960,139,925 Manufacturing 8,285,177,524 498,668,824 -- -- -- 8,783,846,348 Business services 411,017,237,756 4,282,457,190 2,622,641,119 90,344,516,001 16,951,966,574 525,218,818,640 Construction 261,135,989,933 12,931,707,703 256,724,496 11,844,198,178 64,205,132,710 350,373,753,020 Transportation 6,992,084,518 -- -- -- -- 6,992,084,518 Social Services 77,340,663,755 198,092,521 -- -- 922,090,419 78,460,846,695 Others 5,422,246,777,340 188,835,506,756 80,464,486,695 19,375,529,234 71,793,310,782 5,782,715,610,807 Sub Total 6,383,303,255,845 216,726,210,267 84,172,437,124 129,965,293,651 189,337,903,066 7,003,505,099,953 Less: Allowance for Possible Losses 63,833,032,558 7,692,022,126 9,402,637,742 8,237,189,019 144,521,078,944 233,685,960,389 Total 6,319,470,223,287 209,034,188,141 74,769,799,382 121,728,104,632 44,816,824,122 6,769,819,139,564 2008 Current Special Mention Substandard Doubtful Loss Total General Trading and Administration 372,196,931,973 120,980,374,281 19,728,918,610 18,479,914,183 28,042,775,551 559,428,914,598 Manufacturing 6,333,090,041 -- 4,863,949 -- 2,142,858 6,340,096,848 Business services 181,510,289,886 1,130,582,314 242,855,507 102,295,123 18,200,741,668 201,186,764,498 Construction 244,631,744,761 17,790,429,521 104,070,907 588,654,900 3,590,728,162 266,705,628,251 Transportation 11,585,206,873 -- -- -- -- 11,585,206,873 Social Services 38,971,886,815 -- -- -- 393,379,833 39,365,266,648 Others 5,076,272,119,297 86,817,403,993 129,959,761,201 10,893,286,410 88,828,596,888 5,392,771,167,789 Sub Total 5,931,501,269,646 226,718,790,109 150,040,470,174 30,064,150,616 139,058,364,960 6,477,383,045,505 Less: Allowance for Possible Losses 35,280,437,999 8,389,012,122 32,361,830,135 14,818,848,110 139,058,364,960 229,908,493,326 Total 5,896,220,831,647 218,329,777,987 117,678,640,039 15,245,302,506 -- 6,247,474,552,179 298 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 7 9 . L O A N S C o n t i n u e d c . B y L o a n P e r io d s L o a n p e r io d s b a s e d o n lo a n a g r e e m e n t s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 L e s s th a n 1 y e a r 9 0 3 ,1 0 5 ,5 3 2 ,9 6 3 6 4 5 ,9 5 2 ,7 1 8 ,5 7 6 O v e r 1 - 2 y e a r s 7 9 9 ,4 6 7 ,8 4 9 ,4 1 1 2 1 5 ,1 2 0 ,4 3 8 ,7 1 2 O v e r 2 - 3 y e a r s 1 ,4 3 3 ,1 5 2 ,0 8 2 ,7 6 4 1 ,2 9 0 ,0 7 2 ,8 8 2 ,6 5 6 O v e r 3 y e a r s 3 ,8 6 7 ,7 7 9 ,6 3 4 ,8 1 5 4 ,3 2 6 ,2 3 7 ,0 0 5 ,5 6 1 S u b T o t a l 7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3 6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5 L e s s : A llo w a n c e fo r P o s s ib le L o s s 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6 T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4 6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9 d . B y R e m a in in g P e r io d s L o a n s b a s e d o n r e m a in in g p e r io d s fr o m b a la n c e s h e e t s d a t e t o m a t u r it y d a t e a r e a s fo llo w s : 2 0 0 9 2 0 0 8 L e s s th a n 1 y e a r 8 2 1 ,2 8 6 ,0 2 8 ,2 3 0 9 1 3 ,6 6 6 ,4 3 6 ,0 0 6 O v e r 1 - 2 y e a r s 2 ,0 4 0 ,6 7 9 ,8 2 2 ,4 2 8 7 7 7 ,6 2 4 ,6 8 4 ,9 7 6 O v e r 2 - 3 y e a r s 1 ,9 2 2 ,2 7 3 ,0 2 4 ,2 9 4 1 ,2 4 6 ,3 7 3 ,0 6 5 ,3 6 0 O v e r 3 y e a r s 2 ,2 1 9 ,2 6 6 ,2 2 5 ,0 0 1 3 ,5 3 9 ,7 1 8 ,8 5 9 ,1 6 3 S u b T o ta l 7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3 6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5 L e s s : A llo w a n c e fo r P o s s ib le L o s s 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6 T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4 6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9 Laporan Tahunan 2009 Annual Report 299 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 8 9 . L O A N S C o n t i n u e d e . B y R e la t e d P a r tie s L o a n s b a s e d o n r e la t e d p a r t ie s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 T h ir d P a r t ie s 6 ,9 9 7 ,5 4 2 ,8 7 0 ,0 3 6 6 ,4 7 2 ,2 6 7 ,7 7 5 ,2 4 4 L e s s : A llo w a n c e fo r P o s s ib le L o s s 2 3 3 ,6 2 6 ,3 3 8 ,0 9 0 2 2 9 ,8 5 7 ,3 4 0 ,6 2 3 6 ,7 6 3 ,9 1 6 ,5 3 1 ,9 4 6 6 ,2 4 2 ,4 1 0 ,4 3 4 ,6 2 1 R e la te d P a r t ie s B P R D a r b e n i 1 ,0 5 3 ,2 3 4 ,4 3 9 1 9 4 ,3 5 5 ,9 3 2 C o m m is s io n e rs , D ire c t o r s a n d E x e c u tiv e B a n k O ffic e r s 4 ,9 0 8 ,9 9 5 ,4 7 8 4 ,9 2 0 ,9 1 4 ,3 2 9 5 ,9 6 2 ,2 2 9 ,9 1 7 5 ,1 1 5 ,2 7 0 ,2 6 1 L e s s : A llo w a n c e fo r P o s s ib le L o s s 5 9 ,6 2 2 ,2 9 9 5 1 ,1 5 2 ,7 0 3 5 ,9 0 2 ,6 0 7 ,6 1 8 5 ,0 6 4 ,1 1 7 ,5 5 8 S u b T o ta l 7 ,0 0 3 ,5 0 5 ,0 9 9 ,9 5 3 6 ,4 7 7 ,3 8 3 ,0 4 5 ,5 0 5 L e s s : A llo w a n c e fo r P o s s ib le L o s s 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6 T o t a l 6 ,7 6 9 ,8 1 9 ,1 3 9 ,5 6 4 6 ,2 4 7 ,4 7 4 ,5 5 2 ,1 7 9 f . O t h e r s ig n if ic a n t in f o r m a t io n O t h e r s ig n ific a n t in fo r m a t io n r e la t e d t o lo a n s a r e a s fo llo w s : 1 . T h e a v e ra g e a n n u a l in te r e s t ra t e s o f lo a n s in R u p ia h w e r e 1 5 . 0 5 a n d 1 6 .5 5 o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , w h ile fo r lo a n s in f o r e ig n cu rr e n c ie s w e r e 8 .0 0 a n d 2 4 .4 9 o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 . 2 . L o a n s a r e s e c u re d b y c o lla t e r a ls s u c h a s d e p o s it s , c o lla t e r a ls th a t a re n o t a r iz e d b y d e e d o f e n c u m b r a n c e o f p o w e r o f a t t o r n e y t o s e l l o r t o e n c u m b e r o r o t h e r c o lla t e r a ls t h a t a r e a c c e p ta b le b y th e B a n k . 3 . F ix e d lo a n s c o n s is t o f w o r k in g c a p it a l, in v e s t m e n ts a n d c o n s u m e r lo a n s . L o a n s fo r w o r k in g c a p ita l a n d in v e s t m e n t s in c lu d e lo n g te r m , fix e d , re v o lv in g , a n d d is c o u n t e d lo a n s , w h ile c o n s u m e r lo a n s in c lu d e h o u s in g , ca r , a n d o t h e r c o n s u m e r lo a n s . 4 . L o a n s t o D ir e c t o rs a n d E m p lo y e e s , s u b s t a n t ia lly , r e p r e s e n t lo a n s w it h a n n u a l in t e re s t ra te s u p t o 4 . 5 fo r p u r c h a s e o f c a r s , h o u s e s a n d o t h e r p e r s o n a l n e c e s s it ie s , w it h m a t u r it y p e r io d s ra n g in g fr o m 1 o n e to 1 5 fift e e n y e a r s . T h e p a y m e n ts a r e d e d u c t e d fr o m m o n t h ly s a la r y . 5 . L o a n s t o t h e r e la t e d p a r t ie s b e fo r e a llo w a n c e f o r p o s s i b l e l o s s e s a m o u n t e d t o R p 5 , 9 6 2 ,2 2 9 ,9 1 7 a n d R p 5 ,1 1 5 ,2 7 0 ,2 6 1 a s o f D e ce m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 ; a ft e r a llo w a n c e fo r p o s s ib le lo s s e s a m o u n te d to R p 5 ,9 0 2 ,6 0 7 ,6 1 8 a n d R p 5 ,0 6 4 ,1 1 7 ,5 5 8 a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 . 300 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 2 9 9 . L O A N S C o n t i n u e d 6 . R e s t r u c tu r e d lo a n s a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s : 2 0 0 9 2 0 0 8 L o a n P e r io d E x t e n s io n 7 0 ,1 3 6 ,6 4 4 ,1 4 7 7 ,6 5 0 ,9 5 3 ,8 6 2 C h a n g e o f fin a n c i n g s c h e m e 9 7 , 2 1 6 , 2 1 0 , 2 0 4 - - T o t a l 1 6 7 ,3 5 2 ,8 5 4 ,3 5 1 7 ,6 5 0 ,9 5 3 ,8 6 2 7 . A s o f D e c e m b e r 3 1 , 2 0 0 9 d a n 2 0 0 8 , th e B a n k d id n o t v io la t e o r e x c e e d t h e L e g a l L e n d in g L i m it L L L r e q u ir e m e n t . 8 . T h e B a n k ’s N o n P e r fo r m in g L o a n s N P L R a t io -N e t a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a m o u n t e d to 3 .2 6 a n d 2 .0 5 , m e a n w h ile B a n k ’s N P L -G r o s s a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a m o u n t e d to 5 .7 6 a n d 4 .9 2 . 9 . L o a n s a s o f D e c e m b e r 3 1 , 2 0 0 9 in c l u d e m u d h a r a b a h r e c e iv a b le s a m o u n t in g R p 1 3 8 ,3 0 0 ,4 3 2 ,0 6 9 , m u d h a ra b a h fin a n c in g a m o u n tin g R p 5 7 , 2 9 9 ,3 0 9 ,4 6 3 , m u s y a r a k a h fin a n c in g a m o u n t in g R p 1 7 9 ,1 5 3 ,7 4 1 ,6 6 6 , ija r a h a m o u n t in g R p 2 6 3 , 0 7 7 , 3 5 1 , 7 0 0 a n d q a r d h fin a n c i n g a m o u n t in g R p 8 , 1 1 5 , 8 0 2 , b a s e d o n s h a r i a p r in c ip le s . A ll m u d h a ra b a h fin a n c in g a re d e liv e r e d in ca s h . 1 0 . T h e c h a n g e s in th e a llo w a n c e fo r p o s s ib le lo s s e s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B a la n c e a t th e B e g in n in g o f th e Y e a r 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6 2 3 3 ,8 0 2 ,9 5 9 ,4 7 4 P r o v is io n D u r in g th e Y e a r 2 6 ,7 6 6 ,2 3 5 ,9 3 3 4 4 ,7 5 0 ,9 3 5 ,7 4 0 R e c o v e ry o f W r it t e n - o ff L o a n s D u rin g th e Y e a r 1 6 ,3 4 5 ,1 2 9 ,2 1 4 1 3 ,1 4 5 ,5 2 6 ,0 0 6 W r it t e n -o ff fo r th e Y e a r 3 8 ,4 0 1 ,9 2 6 ,8 3 4 4 9 ,0 9 9 ,7 7 8 ,0 2 3 T r a n s l a t io n d iffe r e n c e s 9 3 1 , 9 7 1 , 2 5 0 - - A d ju s t m e n t - - 1 2 ,6 9 1 ,1 4 9 ,8 7 1 B a la n c e a t th e E n d o f th e Y e a r 2 3 3 ,6 8 5 ,9 6 0 ,3 8 9 2 2 9 ,9 0 8 ,4 9 3 ,3 2 6 I n it s c o n v e n t io n a l o p e r a t io n , th e B a n k h a s c a lc u la t e d c o lla t e r a ls a s d e d u c t io n to A llo w a n c e fo r E a r n in g A s s e t s W r it e - O ff, in a c c o r d a n c e w it h th e re g u la t io n o f B a n k In d o n e s ia N o . 1 1 2 P B I 2 0 0 9 , d a te d J a n u a ry 2 9 , 2 0 0 9 r e g a r d in g v a lu a tio n o f e a r n in g a s s e t s q u a lit y o f B a n k a n d N o . 9 6 P B I 2 0 0 7 , d a te d M a r c h 3 0 , 2 0 0 7 . A s o f D e ce m b e r 3 1 ,2 0 0 9 a n d 2 0 0 8 , S h a r ia U n it b u s in e s s h a s n o t c a lc u la te d c o lla te ra ls a s d e d u c t io n t o A llo w a n c e fo r E a r n in g A s s e ts W r it e - O ff, in a cc o r d a n c e w it h th e re g u la t io n o f B a n k I n d o n e s ia N o . 8 2 1 P B I 2 0 0 6 d a te d O c t o b e r 5 , 2 0 0 6 . M a n a g e m e n t b e lie v e s th a t th e a b o v e a llo w a n ce fo r p o s s ib le lo s s e s is a d e q u a te t o c o v e r p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le lo a n s . Laporan Tahunan 2009 Annual Report 301 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 0 9 . L O A N S C o n t i n u e d 1 1 . T h e c h a n g e s in th e b a la n c e o f lo a n s t h a t h a v e b e e n w r it t e n - o ff a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B a la n c e a t th e B e g in n in g o f th e Y e a r 3 0 8 ,3 3 2 ,6 2 8 ,6 1 8 2 8 7 ,5 1 4 ,7 0 4 ,4 6 7 R e c o v e r y o f W r it t e n -o ff L o a n s 1 6 ,3 4 5 ,1 2 9 ,2 1 4 1 3 ,1 4 5 ,5 2 6 ,0 0 6 A d d it io n s D u r in g th e Y e a r 3 8 ,4 0 1 ,9 2 6 ,8 3 4 3 4 ,1 0 7 ,6 9 0 ,5 5 3 A d ju s t m e n t 1 2 ,2 0 3 ,3 7 7 1 4 4 ,2 4 0 ,3 9 6 B a la n c e a t th e E n d o f th e Y e a r 3 3 0 ,3 7 7 ,2 2 2 ,8 6 1 3 0 8 ,3 3 2 ,6 2 8 ,6 1 8 1 0 . I N V E S T M E N T I N S H A R E S O F S T O C K 2 0 0 9 a n d 2 0 0 8 B u s in e s s T y p e P e r c e n t a g e o f O w n e r s h ip N o m in a l V a lu e T h ir d P a rt ie s C o s t M e t h o d P T A s u ra n s i B a n g u n A s k r id a G e n e r a l a n d L o s s In s u ra n c e 3 .5 5 9 2 6 ,6 0 0 ,0 0 0 L e s s : P r o v is io n fo r P o s s ib le L o s s e s 9 ,2 6 6 ,0 0 0 N e t 9 1 7 ,3 3 4 ,0 0 0 T h e B a n k h a s in v e s t m e n ts in s h a r e s o f s t o c k o f P T A s u ra n s i B a n g u n A s k r id a in th e a m o u n t o f R p 9 2 6 ,6 0 0 ,0 0 0 s in c e 1 9 9 8 w it h o w n e rs h ip p e r c e n t a g e o f le s s t h a n 2 0 . T h e s e in v e s t m e n t s in s h a re s o f s t o c k i s re c o r d e d o n a c q u is it io n c o s t c o s t m e t h o d m in u s a llo w a n c e fo r p o s s ib le lo s s e s in th e a m o u n t o f R p 9 ,2 6 6 ,0 0 0 in 2 0 0 9 a n d 2 0 0 8 . B a n k re c o r d e d d iv id e n d in c o m e o f in v e s t m e n t in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 2 8 2 ,1 3 2 ,2 8 4 a n d R p 4 0 1 ,4 2 8 ,4 4 9 , re s p e c tiv e ly . T h e c o lle c t ib ilit y o f in v e s t m e n ts in s h a r e s o f s to ck s is c u r r e n t in y e a r 2 0 0 9 a n d 2 0 0 8 . T h e a llo w a n c e fo r p o s s ib le lo s s e s co n s ists o f 1 g e n e ra l re s e rv e o n a c c o u n ts in a c c o rd a n c e w ith B a n k In d o n e s ia ’s re g u la tio n fo r in v e s tm e n ts in sh a re s o f sto c k . M a n a g e m e n t b e lie v e s t h a t t h e a b o v e a llo w a n c e f o r p o s s ib le lo s s e s is a d e q u a t e t o c o v e r p o s s ib le lo s s e s , w h ic h m ig h t a r is e fr o m u n c o lle c t ib le in v e s t m e n t s in s h a r e s o f s t o c k . 302 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 1 1 1 . F I X E D A S S E T 2009 Beginning Balance Additions Deductions Reclassification Ending Balance Acquisition Cost Land 105,175,114,131 1,293,175,096 5,809,506,282 -- 100,658,782,945 Buildings 29,697,981,399 7,452,972,404 1,559,806,846 -- 35,591,146,957 Vehicles 16,056,449,268 312,000,000 1,134,000,000 -- 15,234,449,268 Office Furniture and Equipments 141,176,253,358 26,641,612,218 507,408,000 -- 167,310,457,576 292,105,798,156 35,699,759,718 -- -- 318,794,836,746 Accumulated Depreciation Buildings 10,954,857,818 1,441,930,397 935,884,103 -- 11,460,904,112 Vehicles 11,776,477,658 1,283,176,917 924,463,683 -- 12,135,190,892 Office Furniture and Equipments 97,920,480,109 16,613,742,056 -- 114,534,222,165 120,651,815,585 19,338,849,370 1,860,347,786 -- 138,130,317,169 Net Book Value 171,453,982,571 180,664,519,577 2008 Beginning Balance Additions Deductions Reclassification Ending Balance Acquisition Cost Land 105,175,114,131 -- -- -- 105,175,114,131 Buildings 30,717,077,725 151,321,734 -- 1,170,418,060 29,697,981,399 Vehicles 15,598,549,268 457,900,000 -- -- 16,056,449,268 Office Furniture and Equipments 123,654,757,754 16,351,077,544 -- 1,170,418,060 141,176,253,358 275,145,498,878 16,960,299,278 -- -- 292,105,798,156 Accumulated Depreciation Buildings 9,610,501,304 1,663,073,595 -- 318,717,081 10,954,857,818 Vehicles 10,314,502,080 1,461,975,578 -- -- 11,776,477,658 Office Furniture and Equipments 81,607,532,627 15,994,230,402 -- 318,717,081 97,920,480,110 101,532,536,011 19,119,279,575 -- -- 120,651,815,585 Net Book Value 173,612,962,867 171,453,982,571 T h e B a n k s la n d rig h ts o r H a k G u n a B a n g u n a n h a v e re m a in in g p e rio d s o f 8 t o 1 6 y e a rs . A ll t h e B a n k s la n d r ig h ts c a n b e e x te n d e d u p o n t h e ir e x p ir a tio n . D e p r e cia t io n c h a r g e d to th e s t a t e m e n t o f in c o m e a m o u n t e d R p 1 9 ,3 3 8 ,8 4 9 ,3 7 0 a n d 1 9 ,1 1 9 ,2 7 9 ,5 7 5 r e s p e c t iv e ly fo r t h e y e a r s e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 N o t e 2 8 . Laporan Tahunan 2009 Annual Report 303 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 2 1 1 . F I X E D A S S E T S C o n t i n u e d D e t a ils o n th e s a le s o f fix e d a s s e t s a r e a s fo llo w s N o t e 3 0 : 2 0 0 9 2 0 0 8 S e llin g P r ic e 1 2 , 1 3 9 , 6 5 3 , 5 5 2 - - B o o k V a lu e 6 , 5 4 6 , 8 2 9 , 0 2 5 - - G a in o n S a le o f F ix e d A s s e t s 5 ,5 9 2 ,8 2 4 ,5 2 7 - - T h e fix e d a s s e t s a s o f D e c e m b e r 3 1 , 2 0 0 9 h a v e b e e n in s u re d w it h P T S a ra n a Lin d u n g U p a y a a n d P T A s u r a n s i A s t r a B u a n a fo r a to ta l in s u ra n c e c o v e r a g e o f R p 6 ,9 5 0 ,8 4 9 ,9 2 0 a n d R p 2 ,9 3 3 ,6 0 0 ,0 0 0 , r e s p e c t iv e ly . M a n a g e m e n t b e lie v e s th a t th e in s u r a n c e c o v e ra g e is a d e q u a t e to c o v e r a n y p o s s ib le lo s s e s . B a s e d o n th e r e v ie w o f th e in d iv id u a l fix e d a s s e ts a t th e e n d o f t h e p e r io d , M a n a g e m e n t b e lie v e s th a t n o p r o v is io n fo r d e c lin e in v a lu e o f fix e d a s s e ts is n e c e s s a r y a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 in a c c o r d a n c e w it h P S A K N o .4 8 . 1 2 . A C C R U E D I N C O M E 2 0 0 9 2 0 0 8 I n te r e s t o f S e cu rit ie s 1 0 4 ,3 0 5 ,2 9 9 ,1 0 6 1 2 7 ,4 0 5 ,6 7 1 ,0 3 8 I n te r e s t o f L o a n s 4 7 ,1 4 4 ,4 8 4 ,7 9 6 5 0 ,9 4 1 ,9 7 8 ,9 6 2 T o t a l 1 5 1 ,4 4 9 ,7 8 3 ,9 0 2 1 7 8 ,3 4 7 ,6 5 0 ,0 0 0 A c c r u e d in c o m e o f s e c u rit ie s in c lu d e r e v e n u e o f b o n d t h a t h o ld t o m a t u rit y fo r b a n k s in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 7 ,1 4 7 ,9 1 0 ,0 7 2 a n d R p 1 0 ,0 2 8 ,8 6 3 ,5 4 5 , a n d fo r n o n b a n k s a m o u n t in g R p 9 7 ,1 5 7 ,3 8 9 ,0 3 4 a n d R p 1 1 7 ,1 9 6 ,8 0 7 ,4 9 3 , re s p e c tiv e ly. 304 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 3 1 3 . O T H E R A S S E T S 2 0 0 9 2 0 0 8 P r e p a y m e n t F u n d 9 ,5 8 6 ,2 5 7 ,2 8 7 1 9 ,3 5 6 ,6 1 4 ,9 3 6 I n v e n to r ie s 2 ,3 5 1 ,5 3 7 ,0 6 7 2 ,0 6 7 ,7 4 5 ,1 0 9 D e f e r r e d E x p e n s e , N e t o f A c c u m u la t e d A m o r tiz a tio n in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 6 8 4 ,9 5 4 ,1 4 6 a n d R p 3 ,7 3 4 ,0 9 0 ,9 7 5 , re s p e c t iv e ly 1 5 5 ,7 3 5 ,8 7 6 9 8 2 ,5 4 1 ,5 4 7 A b a n d o n e d P ro p e rt ie s , N e t o f A c c u m u la te d A m o rt iz a tio n in 2 0 0 9 a n d 2 0 0 8 a m o u n t in g R p 1 ,1 5 1 ,0 1 0 ,1 7 5 , re s p e c t iv e ly 1 ,1 5 1 ,0 1 0 ,1 7 8 1 ,1 5 1 ,0 1 0 ,1 7 8 I n c o m e R e c e iv a b le o f Ija r a h 3 3 5 ,3 5 1 ,5 8 9 6 9 ,5 0 7 ,2 2 3 O t h e r s 3 ,2 5 8 ,0 7 2 ,9 3 9 1 ,8 0 1 ,1 9 3 ,8 2 7 T o t a l 1 6 ,8 3 7 ,9 6 4 ,9 3 6 2 5 ,4 2 8 ,6 1 2 ,8 2 0 P r e p a y m e n t fu n d r e p r e s e n ts p a y m e n t o f re g io n a l g o v e r n m e n t s t a ff’s s a la r y b y B a n k a t e n d o f th e m o n th a n d w ill b e p a id b y re g io n a l g o v e r n m e n t in th e b e g in n in g o f n e x t m o n th . 1 4 . C U R R E N T L I A B I L I T I E S 2 0 0 9 2 0 0 8 F u n d s T ra n s fe r 2 1 3 ,5 5 2 ,1 5 3 ,6 3 4 2 0 4 ,5 6 9 ,4 0 7 ,5 1 4 P a y m e n t D e p o s it s to T h ir d P a r t ie s 8 0 ,5 3 6 ,1 0 8 ,7 7 4 7 3 ,1 8 2 ,2 8 2 ,5 0 3 L ia b i lit ie s D u e 2 9 ,8 7 0 ,6 1 4 ,5 0 9 2 5 ,8 5 5 ,8 6 4 ,5 4 1 T h ir d P a r t ie s D e p o s it s to b e S e tt le d 1 3 ,9 9 9 ,0 4 2 ,8 3 3 2 1 ,4 0 2 ,3 5 8 ,0 5 1 B a n k D e p o s it fr o m S y n d ic a te d L o a n 5 ,8 9 6 ,7 0 0 ,3 9 9 6 ,6 4 3 ,1 3 6 ,7 8 3 S h a ria L ia b ilit ie s 4 ,3 2 1 ,0 9 3 ,0 4 7 2 ,3 7 1 ,5 1 9 ,5 8 0 T o t a l 3 4 8 ,1 7 5 ,7 1 3 ,1 9 6 3 3 4 ,0 2 4 ,5 6 8 ,9 7 2 1 5 . D E P O S I T S F R O M C U S T O M E R S 2 0 0 9 T h ir d P a r t ie s R e la te d P a r t ie s T o t a l D e m a n d D e p o s it s 6 ,1 9 2 ,4 4 8 ,7 8 0 ,6 2 9 1 ,1 5 5 ,9 7 1 ,2 2 8 6 ,1 9 3 ,6 0 4 ,7 5 1 ,8 5 7 S a v in g s D e p o s it s 2 ,3 5 3 ,6 4 9 ,6 7 9 ,3 3 7 7 ,1 5 0 ,4 0 1 ,8 4 9 2 ,3 6 0 ,8 0 0 ,0 8 1 ,1 8 6 T im e D e p o s it s 3 ,6 6 6 ,1 6 1 ,8 5 3 ,7 9 1 1 3 ,6 0 4 ,7 4 4 ,8 6 7 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8 T o t a l 1 2 ,2 1 2 ,2 6 0 ,3 1 3 ,7 5 7 2 1 ,9 1 1 ,1 1 7 ,9 4 4 1 2 ,2 3 4 ,1 7 1 ,4 3 1 ,7 0 1 Laporan Tahunan 2009 Annual Report 305 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 4 1 5 . D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d 2 0 0 8 T h ir d P a r t ie s R e la te d P a r tie s T o t a l D e m a n d D e p o s it s 5 ,4 8 9 ,0 9 7 ,7 0 6 ,5 4 3 3 ,2 9 3 ,8 5 7 ,0 4 3 5 ,4 9 2 ,3 9 1 ,5 6 3 ,5 8 6 S a v in g s D e p o s it s 2 ,1 2 5 ,3 0 4 ,6 5 4 ,6 5 3 4 ,8 6 9 ,1 7 5 ,0 1 9 2 ,1 3 0 ,1 7 3 ,8 2 9 ,6 7 2 T im e D e p o s it s 2 ,0 4 4 ,9 5 0 ,5 6 9 ,4 3 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1 T o t a l 9 ,6 5 9 ,3 5 2 ,9 3 0 ,6 3 3 1 9 ,5 4 7 ,8 5 1 ,8 1 6 9 ,6 7 8 ,9 0 0 ,7 8 2 ,4 4 9 a . B a la n c e o f d e m a n d d e p o s it s , s a v in g s d e p o s it s a n d t im e d e p o s it s t h a t a r e p la c e d o n “h o ld ” n o t ic e a r e a s fo llo w s : 2 0 0 9 2 0 0 8 D e m a n d D e p o s it s 3 ,9 0 8 ,5 6 9 ,7 1 9 ,6 8 3 2 ,1 2 4 ,8 5 1 ,6 3 0 ,7 8 8 S a v in g s D e p o s it s 3 6 4 ,1 3 5 ,0 5 9 ,5 5 0 3 5 6 ,6 3 9 ,4 4 4 ,4 2 1 T im e D e p o s it s 1 4 ,5 4 4 ,9 7 0 ,0 0 0 4 ,6 0 3 ,9 6 2 ,0 0 0 T o t a l 4 ,2 8 7 ,2 4 9 ,7 4 9 ,2 3 3 2 ,4 8 6 ,0 9 5 ,0 3 7 ,2 0 9 b . D e m a n d D e p o s its c o n s ist o f: 2 0 0 9 2 0 0 8 T h ir d P a rt ie s R u p ia h 5 ,9 8 6 ,3 1 7 ,0 0 6 ,4 4 1 5 ,4 5 7 ,8 1 2 ,9 0 5 ,3 3 7 F o re ig n C u r r e n c ie s U n it e d S ta t e s D o lla r 2 0 6 ,1 1 8 ,6 8 3 ,6 6 1 7 ,6 0 6 ,5 4 2 ,7 6 4 J a p a n e s e Y e n 1 3 ,0 9 0 ,5 2 7 2 3 ,6 7 8 ,2 5 8 ,4 4 2 S u b T o t a l 6 ,1 9 2 ,4 4 8 ,7 8 0 ,6 2 9 5 ,4 8 9 ,0 9 7 ,7 0 6 ,5 4 3 R e la te d P a r t ie s R u p ia h 1 ,1 5 5 ,9 7 1 ,2 2 8 3 ,2 9 3 ,8 5 7 ,0 4 3 S u b T o t a l 1 ,1 5 5 ,9 7 1 ,2 2 8 3 ,2 9 3 ,8 5 7 ,0 4 3 T o t a l 6 ,1 9 3 ,6 0 4 ,7 5 1 ,8 5 7 5 ,4 9 2 ,3 9 1 ,5 6 3 ,5 8 6 A v e r a g e I n te r e s t R a t e p e r A n n u m R u p ia h 3 .9 6 4 1 .7 0 F o r e ig n C u rr e n c ie s 0 .8 0 0 .8 0 306 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 5 1 5 . D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d c . S a v in g s D e p o s its c o n s ist o f: 2 0 0 9 2 0 0 8 T h ir d P a r t ie s 2 ,3 5 3 ,6 4 9 ,6 7 9 ,3 3 7 2 ,1 2 5 ,3 0 4 ,6 5 4 ,6 5 3 R e la t e d P a r t ie s 7 ,1 5 0 ,4 0 1 ,8 4 9 4 ,8 6 9 ,1 7 5 ,0 1 9 T o t a l 2 ,3 6 0 ,8 0 0 ,0 8 1 ,1 8 6 2 ,1 3 0 ,1 7 3 ,8 2 9 ,6 7 2 A v e r a g e I n te r e s t R a t e p e r A n n u m 2 .6 2 2 .7 9 d . T im e D e p o s its c o n s ist o f: 2 0 0 9 2 0 0 8 T h ir d P a rt ie s R u p ia h 3 ,6 6 5 ,3 2 9 ,6 4 0 ,8 3 9 2 ,0 4 2 ,2 9 2 ,9 8 0 ,0 3 4 F o re ig n C u r r e n c ie s U n it e d S ta t e s D o lla r 8 3 2 ,2 1 2 ,9 5 2 2 ,6 5 7 ,5 8 9 ,4 0 3 S u b T o t a l 3 ,6 6 6 ,1 6 1 ,8 5 3 ,7 9 1 2 ,0 4 4 ,9 5 0 ,5 6 9 ,4 3 7 R e la te d P a r t ie s R u p ia h 1 3 ,6 0 4 ,7 4 4 ,8 6 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4 S u b T o t a l 1 3 ,6 0 4 ,7 4 4 ,8 6 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4 T o t a l 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1 A v e r a g e I n te r e s t R a t e p e r A n n u m R u p ia h 8 .0 9 8 .3 1 F o r e ig n C u rr e n c ie s 3 .8 4 3 .9 5 T h e a m o u n t o f tim e d e p o s it s b a s e d o n its p e rio d : 2 0 0 9 R u p ia h F o r e ig n T o t a l 1 m o n th 1 ,7 0 2 ,1 8 1 ,4 7 0 ,7 0 2 3 ,1 3 5 ,4 2 9 ,0 3 0 1 ,7 0 5 ,3 1 6 ,8 9 9 ,7 3 2 3 m o n th s 9 0 2 ,9 0 7 ,7 0 1 ,4 0 2 2 7 7 ,9 7 7 , 4 1 3 9 0 3 ,1 8 5 ,6 7 8 ,8 1 5 6 m o n th s 3 2 2 ,1 9 0 ,9 1 0 ,0 4 1 - - 3 2 2 ,1 9 0 ,9 1 0 ,0 4 1 1 2 m o n th s 7 1 1 ,8 6 2 ,5 0 6 ,6 1 0 - - 7 1 1 ,8 6 2 ,5 0 6 ,6 1 0 O n C a ll 3 7 , 2 1 0 , 6 0 3 , 4 6 0 - - - - T o t a l 3 ,6 7 6 ,3 5 3 ,1 9 2 ,2 1 5 3 ,4 1 3 ,4 0 6 ,4 4 3 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8 Laporan Tahunan 2009 Annual Report 307 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 6 1 5 . D E P O S I T S F R O M C U S T O M E R S C o n t i n u e d 2 0 0 8 R u p ia h F o r e ig n T o t a l 1 m o n th 1 ,3 4 2 ,9 8 2 ,0 0 3 ,9 7 2 1 ,8 4 7 ,9 2 0 ,2 7 3 1 ,3 4 4 ,8 2 9 ,9 2 4 ,2 4 5 3 m o n th s 1 3 2 ,8 7 7 ,6 9 8 ,3 2 2 7 9 4 ,3 2 0 ,0 6 0 1 3 3 ,6 7 2 ,0 1 8 ,3 8 2 6 m o n th s 2 2 ,8 8 2 ,1 9 3 ,7 6 1 - - 2 2 ,8 8 2 ,1 9 3 ,7 6 1 1 2 m o n th s 5 5 4 ,9 5 1 ,2 5 2 ,8 0 3 - - 5 5 4 ,9 5 1 ,2 5 2 ,8 0 3 O n C a ll - - - - - - T o t a l 2 ,0 5 3 ,6 9 3 ,1 4 8 ,8 5 8 2 ,6 4 2 ,2 4 0 ,3 3 3 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1 T h e a m o u n t o f tim e d e p o s it s b a s e d o n th e r e m a in in g p e r io d u n t il m a tu r it y d a te : 2 0 0 9 R u p ia h F o r e ig n T o t a l L e s s th a n 1 m o n th 1 ,9 4 1 ,9 8 4 ,9 2 4 ,4 3 0 3 ,1 3 5 ,4 2 9 ,0 3 0 1 ,9 4 5 ,1 2 0 ,3 5 3 ,4 6 0 O v e r 1 - 3 m o n th s 9 0 0 ,7 6 3 ,5 0 2 ,2 1 2 1 7 0 ,7 7 2 ,6 9 3 9 0 0 ,9 3 4 ,2 7 4 ,9 0 5 O v e r 3 - 6 m o n th s 1 2 7 ,6 2 5 ,4 1 2 ,7 8 3 - - 1 2 7 ,6 2 5 ,4 1 2 ,7 8 3 O v e r 6 - 1 2 m o n th s 7 0 6 ,0 8 6 ,5 5 7 ,5 1 0 - - 7 0 6 ,0 8 6 ,5 5 7 ,5 1 0 T o t a l 3 ,6 7 6 ,4 6 0 ,3 9 6 ,9 3 5 3 ,3 0 6 ,2 0 1 ,7 2 3 3 ,6 7 9 ,7 6 6 ,5 9 8 ,6 5 8 2 0 0 8 R u p ia h F o r e ig n T o t a l L e s s th a n 1 m o n th 1 ,5 0 9 ,5 0 8 ,9 3 4 ,3 2 0 1 ,8 8 0 ,6 2 0 ,2 7 3 1 ,5 1 1 ,3 8 9 ,5 5 4 ,5 9 3 O v e r 1 - 3 m o n th s 3 4 0 ,7 5 3 ,3 6 0 ,2 5 1 7 6 1 ,6 2 0 ,0 6 0 3 4 1 ,5 1 4 ,9 8 0 ,3 1 1 O v e r 3 - 6 m o n th s 2 6 ,1 9 7 ,0 1 2 ,0 4 1 - - 2 6 ,1 9 7 ,0 1 2 ,0 4 1 O v e r 6 - 1 2 m o n th s 1 7 7 ,2 3 3 ,8 4 2 ,2 4 6 - - 1 7 7 ,2 3 3 ,8 4 2 ,2 4 6 T o t a l 2 ,0 5 3 ,6 9 3 ,1 4 8 ,8 5 8 2 ,6 4 2 ,2 4 0 ,3 3 3 2 ,0 5 6 ,3 3 5 ,3 8 9 ,1 9 1 308 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 7 1 6 . D E P O S I T S F R O M O T H E R B A N K S 2 0 0 9 2 0 0 8 C a ll M o n e y 6 4 4 ,2 7 2 ,5 2 4 ,3 9 9 1 ,0 3 6 ,6 0 8 ,8 8 8 ,8 9 5 I n t e r c o m p a n y M u d h a r a b a h I n v e s t m e n t C e r t ific a t e 4 6 , 9 7 5 , 0 0 0 , 0 0 0 - - D e m a n d D e p o s it s 6 ,8 5 6 ,1 2 9 ,8 5 0 8 ,3 5 1 ,4 9 4 ,9 0 8 D e p o s it 2 ,3 7 0 ,0 0 0 ,0 0 0 2 ,3 7 0 ,0 0 0 ,0 0 0 T o t a l 7 0 0 ,4 7 3 ,6 5 4 ,2 4 9 1 ,0 4 7 ,3 3 0 ,3 8 3 ,8 0 3 A v e r a g e I n te r e s t R a t e s p e r A n n u m C a ll M o n e y 2 .6 6 - 6 .4 5 8 .9 5 I n t e r c o m p a n y M u d h a r a b a h I n v e s t m e n t C e r t ific a t e 2 . 7 5 - - D e m a n d D e p o s it s 3 .9 5 4 .1 7 D e p o s it o n C a ll 7 .7 5 8 .3 1 I n fo r m a t io n r e g a r d in g p e r io d a n d in t e r e s t o f d e p o s it s fr o m o t h e r B a n k s a r e a s fo llo w s : 2 0 0 9 P e r io d I n t e r e s t R a t e p e r Y e a r T o t a l R p C a ll M o n e y 4 - 9 0 d a y s 2 .6 6 - 6 .4 5 6 4 4 ,2 7 2 ,5 2 4 ,3 9 9 M u d h a ra b a h In te r b a n k In v e s t m e n t C e r t ific a t e 3 m o n th s 2 .7 5 4 6 ,9 7 5 ,0 0 0 ,0 0 0 D e m a n d D e p o s it s - - 3 .9 5 6 ,8 5 6 ,1 2 9 ,8 5 0 T im e D e p o s it s 1 - 6 m o n th s 7 .7 5 2 ,3 7 0 ,0 0 0 ,0 0 0 T o t a l 7 0 0 ,4 7 3 ,6 5 4 ,2 4 9 2 0 0 8 P e rio d I n t e r e s t R a t e p e r Y e a r T o t a l R p C a ll M o n e y 5 - 1 4 d a y s 8 .9 5 1 ,0 3 6 ,6 0 8 ,8 8 8 , 8 9 5 D e m a n d D e p o s it s - - 4 .1 7 8 ,3 5 1 ,4 9 4 ,9 0 8 T im e D e p o s it s 3 m o n th s 8 .1 3 2 ,3 7 0 ,0 0 0 ,0 0 0 T o t a l 1 ,0 4 7 ,3 3 0 ,3 8 3 ,8 0 3 Laporan Tahunan 2009 Annual Report 309 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 8 1 7 . S E C U R I T I E S I S S U E D 2 0 0 9 2 0 0 8 B o n d s - B a n k D K I IV fo u r - - 7 0 0 ,0 0 0 ,0 0 0 ,0 0 0 B o n d s - B a n k D K I V fiv e 4 2 5 ,0 0 0 ,0 0 0 ,0 0 0 4 2 5 ,0 0 0 ,0 0 0 ,0 0 0 E m is s io n C o s t - B o n d s Is s u e d 1 ,5 3 7 ,5 0 7 ,7 0 6 2 ,8 2 2 ,3 0 0 ,0 9 8 4 2 3 ,4 6 2 ,4 9 2 ,2 9 4 1 ,1 2 2 ,1 7 7 ,6 9 9 ,9 0 2 B o n d s P u r c h a s e d b y B a n k D K I I V fo u r - - 2 5 3 ,5 0 0 ,0 0 0 ,0 0 0 4 2 3 ,4 6 2 ,4 9 2 ,2 9 4 8 6 8 ,6 7 7 ,6 9 9 ,9 0 2 B o n d s - S u b o rd in a tio n I o n e 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 E m is s io n C o s t- B o n d Is s u e d 1 ,1 8 1 ,6 2 9 ,9 2 3 1 ,5 4 5 ,2 0 8 ,3 5 9 B o n d s - N e t 7 4 7 ,2 8 0 ,8 6 2 ,3 7 1 1 ,1 9 2 ,1 3 2 ,4 9 1 ,5 4 3 T h e B a n k is s u e d B o n d s o f B a n k D K I I V fo u r a m o u n t e d R p 7 0 0 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 5 fiv e y e a r p e rio d s in c e 2 0 0 4 a n d w ill b e d u e in 2 0 0 9 . T h e b o n d s h a v e fix e d in te r e s t ra t e o f 1 2 . 5 0 p e r a n n u m . T h e b o n d s in t e re s t w ill b e p a id e v e ry 3 m o n t h s o n t h e d a t e o f 1 7 . A s o f D e c e m b e r 3 1 , 2 0 0 8 , t h e B o n d s o f B a n k D K I IV o b ta in ra tin g o f id A - P e fin d o . T h e B o n d s o f B a n k D K I V fiv e a m o u n t e d R p 4 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 5 fiv e y e a r p e rio d s in c e 2 0 0 8 a n d w ill b e d u e in 2 0 1 3 , w ith fix e d in t e r e s t ra te o f 1 1 .2 5 p e r a n n u m . T h e b o n d s in t e r e s t w ill b e p a id e v e ry 3 m o n th s o n th e d a te o f 4 . A s o f D e c e m b e r 3 1 , 2 0 0 8 , th e B o n d s o f B a n k D K I V o b ta in e d ra t in g o f id A - P e fin d o . T h e S u b o rd in a tio n I o n e B o n d s o f B a n k D K I a m o u n t e d R p 3 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , w it h 1 0 t e n y e a r p e rio d s in c e 2 0 0 8 a n d w ill b e d u e in 2 0 1 8 , w ith f ix e d in t e r e s t ra t e o f 1 2 .2 5 p e r a n n u m fo r th e firs t u n t il t h e fift h y e a r s a n d a m o u n t e d to 2 2 . 2 5 p e r a n n u m fo r t h e s ix t h y e a r u n t il th e te n t h y e a r . B u y b a c k c a n b e e x e c u te d a ft e r t h e fift h y e a r s in c e d a t e d is s u e d . T h e b o n d s in t e r e s t w i l l b e p a id e v e r y 3 m o n th s o n th e d a te o f 4 . A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , th e S u b o rd in a tio n I o n e B o n d s o f B a n k D K I o b t a in e d r a t in g o f id B B B + P e fin d o . T h e B o n d s I V fo u r is lis t e d a t In d o n e s ia S to c k E x ch a n g e fo r m e r ly S u r a b a y a S to c k E x ch a n g e a n d t h e t r u s t e e o f b o n d is s u a n c e in 2 0 0 4 is P T B a n k B N I P e rs e r o T b k . S in c e 2 0 0 8 , t r u s t e e f o r B o n d s IV a n d V is P T B a n k M e g a T b k . T h e B o n d s S u b o rd in a tio n I o n e o f B a n k D K I i s lis t e d a t In d o n e s ia S to c k E x ch a n g e a n d tr u s t e e o f b o n d s is P T B a n k M e g a T b k . 310 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 3 9 1 7 . S E C U R I T I E S I S S U E D C o n t i n u e d B a s e d o n n o ta r ia l d e e d N o .1 8 o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , d a te d M a r c h 1 0 , 2 0 0 8 , re g a r d in g A d d e n d u m o f T r u s t e e A g r e e m e n t B o n d s I V o f B a n k D K I o f 2 0 0 4 w it h fix e d in t e r e s t r a t e . B a n k w i t h w r it t e n p e r m is s io n fr o m th e p re v io u s tr u s t e e P T B a n k B N I P e rs e ro T b k ., a p p o in t e d a n e w tr u s t e e , P T B a n k M e g a T b k ., w ith th e fo llo w in g re s tr ictio n s : 1 . I s s u e b o n d s o r o t h e r s im ila r p a y a b le in s t ru m e n t , w it h h ig h e r r a n k a n d p a y m e n t te r m in a d v a n c e o f th e e x is t in g b o n d . 2 . U s e th e w h o le o r p a r t ia l in c o m e o r a s s e t o f th e B a n k . 3 . C o n d u c t c h a n g e o f m a in b u s in e s s n o r a llo w o r a p p r o v e s u b s id ia r y t o c h a n g e it s m a in b u s in e s s . 4 . D e c r e a s e in a u t h o r iz e d a n d p a id c a p ita l. 5 . C o n d u c t m e r g e r , c o n s o lid a t io n , a c q u is it io n w it h o t h e r e n t it y w h ic h w o u ld d e t e r m in a t e t h e B a n k , o r h a v e n e g a t iv e im p a c t r e g a r d in g B a n k ’s g o in g co n c e r n . 6 . S e ll o r d iv e r t a s s e t to w h ic h e v e r p a rt y e x c e p t if th e s a le o r d iv e r t e v e n in o n e t r a n s a c t io n o r c o m b in e d in 1 o n e c u rr e n t y e a r d o e s n o t e x c e e d 2 0 o f B a n k ’s t o t a l a s s e t b a s e d o n th e la s t a u d it e d fin a n c i a l s t a t e m e n t . 7 . C o n d u c t t r a n s a c t io n w it h a ffilia t e d c o m p a n ie s e x c e p t fo r th e tr a n s a c t io n th a t is c o n s id e r e d p r o fit a b le fo r B a n k o r w it h c o n d it io n t h a t a r e a t le a s t e q u a l t o c o n d it io n w it h t h i r d p a r t y a s a r m le n g t h tr a n s a c tio n s b a s is . 8 . P ro v id e lo a n o r in v e s t m e n t in s t o ck s w it h o th e r p a rt ie s o r c o n s e n t s u b s id ia rie s if a n y to p ro v id e lo a n o r in v e s t m e n t in s h a r e w it h o t h e r p a r t ie s e x c e p t r e la t e d w it h n o r m a l p r in c ip a l b u s in e s s a c t iv it y o r re la t e d w it h o p e r a t io n a l fa c ilit y e s ta b lis h m e n t o f B a n k a n d o r r e la t e d s u b s i d ia r y if a n y a n d p ro v id e lo a n to e m p lo y e e , c o o p e r a tiv e s a n d e m p lo y e e ’s fo u n d a t io n o f B a n k a n d o r p r o v id e lo a n t o e m p lo y e e , c o o p e r a t iv e s a n d B a n k e m p lo y e e ’s fo u n d a t io n o f s u b s id ia r y ’s if a n y . I n 2 0 0 8 , B a n k h a d a b u y b a c k t r a n s a c t io n o f B o n d s I V w it h a c q u is i t io n c o s t a m o u n t in g t o R p 2 5 3 ,5 0 0 ,0 0 0 ,0 0 0 a n d h a s r e c o r d e d g a in o n b u y b a c k t r a n s a c t io n a m o u n t e d t o R p 2 6 7 ,5 0 0 ,0 0 0 in o t h e r n o n o p e r a t in g in c o m e e x p e n s e – n e t s e e N o t e s 3 0 . B a n k h a s c o m p le t e d lia b ilit ie s o n b o n d s f o r th e y e a r 2 0 0 9 a n d 2 0 0 8 , a m o u n t e d to R p 1 1 5 ,5 3 1 ,2 5 0 ,0 0 0 a n d R p 1 2 3 ,3 7 5 ,0 0 0 ,0 0 0 a n d c h a r g e s a m o u n te d to R p 1 1 3 ,5 1 5 ,7 9 8 ,6 1 1 a n d R p 1 2 9 ,9 4 1 ,3 1 9 .4 4 7 . Laporan Tahunan 2009 Annual Report 311 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 0 1 8 . B O R R O W I N G 2 0 0 9 2 0 0 8 M in is t r y o f F in a n c e 8 5 ,0 0 1 ,3 0 6 ,0 8 6 6 0 ,0 0 3 ,3 8 9 ,6 1 8 P T B a n k T a b u n g a n N e g a r a P e r s e r o 2 ,2 5 1 ,9 2 4 ,2 0 8 3 ,2 1 3 ,1 5 3 ,4 2 5 B a n k I n d o n e s ia 1 ,7 1 3 ,0 8 3 ,0 4 4 2 ,0 2 6 ,5 7 5 ,3 5 4 S ta n d a r d C h a r t e r e d B a n k J a k a r t a 9 4 ,0 5 7 ,4 1 1 ,1 5 6 1 9 0 ,9 6 8 ,0 8 0 ,6 6 0 P T S a r a n a M u lt ig r iy a F in a n c e 2 7 ,2 8 4 ,0 0 0 ,0 0 0 3 0 ,3 2 4 ,0 0 0 ,0 0 0 T o t a l 2 1 0 ,3 0 7 ,7 2 4 ,4 9 4 2 8 6 ,5 3 5 ,1 9 9 ,0 5 7 I M in i s t r y o f F in a n c e 2 0 0 9 2 0 0 8 B o r r o w in g fo r m ic r o a n d s m a ll b u s in e s s cre d it 8 5 ,0 0 0 ,0 0 0 ,0 0 0 6 0 ,0 0 0 ,0 0 0 ,0 0 0 F u n d s B o rr o w in g -R o llin g 1 ,3 0 6 ,0 8 6 3 ,3 8 9 ,6 1 8 T o t a l 8 5 ,0 0 1 ,3 0 6 ,0 8 6 6 0 ,0 0 3 ,3 8 9 ,6 1 8 T h is a c c o u n t c o n s is t s o f c r e d it f a c i l it ie s fr o m F in a n c e D e p a r t m e n t o f R e p u b lic o f In d o n e s ia fo r m ic ro a n d s m a ll b u s in e s s lo a n s , in t h e a m o u n t o f R p 5 0 ,0 0 0 ,0 0 0 a n d R p 5 0 0 ,0 0 0 ,0 0 0 , re s p e c tiv e ly . F in a n c e D e p a r t m e n t w ill p r o v id e fu n d s fo r m ic r o a n d s m a ll b u s in e s s c r e d it o f R p 5 0 ,0 0 0 ,0 0 0 . T h is b o r r o w in g w ill b e c h a r g e d in te r e s t a s m u ch a s S B I ’ s in te r e s t r a t e fo r 3 t h re e m o n th s , w h ile B a n k g iv e s in t e r e s t t o d e b t o r s , a s h ig h a s 1 0 a b o v e S B I ’ s in t e r e s t r a t e s fo r 3 t h r e e m o n t h s t o m ic r o a n d a s h ig h a s 7 a b o v e S B I ’s in t e r e s t r a t e fo r 3 t h r e e m o n t h ’s t o s m a ll b u s in e s s . P a y m e n t o f p rin c ip a l lo a n c o n s is t s o f 5 fiv e t im e in s t a llm e n ts e q u a lly e v e r y J u n e 1 0 t h a n d D e c e m b e r 1 0 th , w h ic h s t a r t e d o n D e c e m b e r 1 0 , 2 0 0 7 a n d e n d e d D e c e m b e r 1 0 , 2 0 0 9 . F in a n c e D e p a r t m e n t in F in a n c e M in is t r y le t t e r d a te d N o v e m b e r 1 6 , 2 0 0 7 r e g a r d in g e x t e n s io n o f t e rm S U -0 0 5 in a c c o rd a n c e w it h F in a n c e M in is t r y L e tt e r N o S - 5 2 8 M K .0 5 2 0 0 7 d a te d N o v e m b e r 8 , 2 0 0 7 h a s o ffe r e d e x t e n s io n o f p rin c ip a l r e p a y m e n t te r m p e rio d s fo r 1 0 t e n y e a r s fo r m e r ly fr o m D e c e m b e r 1 0 , 2 0 0 7 u p t o D e c e m b e r 1 0 , 2 0 0 9 b e c o m e D e c e m b e r 1 0 , 2 0 1 7 u p t o D e c e m b e r 1 0 , 2 0 1 9 . If B a n k a g r e e s w it h t h e o f fe r , it h a s B a n k t o s u b m it a w r it te n r e q u e s t a d d r e s s e d to F in a n c e M i n i s t r y a n d a lo n g w it h P e rfo r m a n c e R e p o r t o f S m a ll M e d iu m E n te r p r is e C r e d it D is t r ib u tio n K U M K a n d o t h e r s ig n ific a n t in fo r m a t io n b e fo r e D e c e m b e r 3 , 2 0 0 7 . F in a n c e D e p a r t m e n t in F in a n c e M in is t r y in its le t t e r d a t e d O c t o b e r 6 , 2 0 0 8 , a g re e d to in c r e a s e t h e lo a n p la fo n d o f S U - 0 0 5 fu n d fo r S m a ll M e d iu m E n t e r p r is e C r e d it D is t r i b u t io n a m o u n t in g t o R p 2 5 ,0 0 0 ,0 0 0 ,0 0 0 , a s st ip u la t e d in th e le t t e r o f t h e M in is t e r o f F in a n c e N o . S -5 4 1 M K . 0 5 2 0 0 8 s o th e p la fo n d b e c o m e a m o u n t in g R p 8 5 ,0 0 0 ,0 0 0 ,0 0 0 . 312 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 1 1 8 . B O R R O W I N G C o n t i n u e d T h e re is a n a m e n d m e n t t o lo a n a g r e e m e n t N o . A M A - 4 2 K P -0 3 2 D S M I 2 0 0 9 , s t a tin g t h a t th e re h a s b e e n a n e x t e n s io n t o t h e p e r io d o f lo a n o f S m a ll M e d iu m E n te r p r is e C r e d it D is t r ib u tio n fu n d t o 1 0 t e n y e a rs . T h e p e r io d o r ig in a lly s t a rt e d fr o m D e ce m b e r 1 0 , 2 0 0 7 to D e c e m b e r 1 0 , 2 0 0 9 ; a ft e r t h e a m e n d m e n t it s t a r t e d f ro m D e c e m b e r 1 0 , 2 0 1 7 t o D e c e m b e r 1 0 , 2 0 1 9 . T h is is in a c c o r d a n c e w it h th e le t t e r N o . S -3 2 0 7 P B 2 0 0 8 d a t e d A p r il 2 1 , 2 0 0 8 , in w h ic h is a ls o s t a t e d th a t th e e x t e n s io n o f lo a n p e r io d is v a lid s in c e th e d a te o f th e e x e c u tio n o f th e a g re e m e n t to D e c e m b e r 1 0 , 2 0 1 9 , a n d th e la s t d a t e o f t h e s u b m is s io n o f lo a n w ith d r a w a l r e q u e s t b y B a n k D K I is M a r c h 3 1 , 2 0 0 9 a n d t h e p a y m e n t o f th e fir s t in s t a llm e n t s t a rt s o n D e c e m b e r 1 0 , 2 0 1 7 a n d e n d s o n D e c e m b e r 1 0 , 2 0 1 9 . T h e a m e n d m e n t o f th e lo a n a g re e m e n t is s t ill in th e p ro ce s s o f s ig n a tu r e . T h e lo a n h a s b e e n d is t r ib u te d a s th e g o v e r n m e n t p r o g r a m c r e d it a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 in th e a m o u n t o f R p 7 4 ,9 7 9 ,6 7 2 ,0 0 0 a n d R p 7 4 ,3 1 8 ,1 7 1 ,9 2 8 , re s p e c tiv e ly . ii P T B a n k T a b u n g a n N e g a r a P e r s e r o 2 0 0 9 2 0 0 8 S y n d ic a t e d L o a n s 7 3 4 ,0 5 6 ,0 8 5 1 ,3 6 7 ,9 2 6 ,3 2 2 B o r r o w in g o f In v e s t m e n ts F u n d A c c o u n t 1 ,5 1 7 ,8 6 8 ,1 2 3 1 ,8 4 5 ,2 2 7 ,1 0 3 T o t a l 2 ,2 5 1 ,9 2 4 ,2 0 8 3 ,2 1 3 ,1 5 3 ,4 2 5 a . S y n d ic a te d L o a n s T h is a c c o u n t re p r e s e n ts th e b a la n ce fr o m s y n d ic a t e d lo a n s w it h B a n k T a b u n g a n N e g a r a fo r t h e p u r p o s e o f h o u s in g lo a n s K P R . F o r e a ch lo a n , B a n k T a b u n g a n N e g a r a w ill p r o v id e b o r r o w in g fu n d s o f 8 0 fr o m t h e lo a n lim it g iv e n , w h ile t h e r e m a in in g w ill b e c o v e re d b y t h e B a n k . b . B o r r o w in g o f I n v e s tm e n ts F u n d A c c o u n t T h is a c c o u n t r e p r e s e n ts th e b o r r o w in g a c c o u n t fo r th e p u r p o s e o f h o u s in g lo a n s K P R - R S S a n d K P R - R S t h a t a re re c e iv e d fr o m th e G o v e rn m e n t o f R e p u b lic o f In d o n e s ia t h r o u g h P T B a n k T a b u n g a n N e g a r a a s c o o rd in a to r in d is b u r s in g th e fu n d b o r r o w in g o f In v e s t m e n t F u n d A c c o u n t . iii B a n k In d o n e s ia T h is a c c o u n t r e p r e s e n t s t h e b o r r o w in g a c c o u n t fo r t h e p u r p o s e o f h o u s in g lo a n s K P R - R S S a n d K P R - R S th a t a r e r e c e iv e d fr o m B a n k In d o n e s ia . Laporan Tahunan 2009 Annual Report 313 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 2 1 8 . B O R R O W I N G C o n t i n u e d B a s e d o n t h e h o u s in g lo a n a g r e e m e n t , f o r e a c h K P R S R S S , B I w ill p ro v id e liq u id it y c r e d it o f 6 2 .5 0 fo r h o u s in g lo a n T 3 6 , 6 0 .0 0 fo r h o u s in g lo a n T 2 1 a n d 6 7 .5 0 fo r h o u s in g lo a n – R S S fr o m th e lim it g iv e n b y t h e B a n k , w h ile t h e r e m a in in g w ill b e c o v e r e d b y t h e B a n k . T h is b o rr o w in g w ill b e c h a r g e d 3 , 3 a n d 9 p e r y e a r c a lc u la t e d fr o m t h e B a n k ’ s b o r ro w in g b a la n c e to B I , w h ile t h e B a n k w ill re c e iv e 8 .5 , 1 1 a n d 1 4 p e r y e a r fo r h o u s in g lo a n p r o v id e d . D e t a ils o f h o u s in g lo a n p r o g r a m a r e a s fo llo w s : 2 0 0 9 2 0 0 8 C r e d it L iq u id it y K P R - R S 1 ,5 7 8 ,5 9 2 ,4 1 9 1 ,8 9 2 ,0 8 4 ,7 2 9 C r e d it L iq u id it y K P R - R S S 1 3 4 ,4 9 0 ,6 2 5 1 3 4 ,4 9 0 ,6 2 5 T o t a l 1 ,7 1 3 ,0 8 3 ,0 4 4 2 ,0 2 6 ,5 7 5 ,3 5 4 iv S t a n d a r d C h a r t e r e d B a n k J a k a r t a O n D e c e m b e r 7 , 2 0 0 7 t h e B a n k r e c e iv e d s y n d ic a t e d lo a n s f r o m s e v e r a l b a n k s in w h ic h S t a n d a r d C h a r t e r e d B a n k J a k a r t a a c t s a s t h e a g e n t a n d fr o m s e v e r a l o t h e r b a n k s in w h ic h t h e y a c t a s th e le a d a rr a n g e r . T h e b a n k s a n d th e lo a n s a r e : a . S t a n d a r d C h a r te r e d B a n k B r a n c h o f J a k a r t a B r a n c h a c t s a s b o t h t h e p a y in g a n d s e c u r i t y a g e n t g ra n te d a lo a n a m o u n t in g to U S D 4 ,5 0 0 ,0 0 0 . b . P T B a n k M a n d ir i P e r s e r o T b k B r a n c h o f D ili- T im o r L e s t e g r a n te d a lo a n a m o u n t in g t o U S D 2 ,5 0 0 ,0 0 0 . c . P T B a n k M a n d ir i P e r s e r o T b k B ra n c h o f H o n g k o n g g r a n t e d a lo a n a m o u n t in g t o U S D 3 ,0 0 0 ,0 0 0 d . P T B a n k M a n d ir i P e rs e ro T b k B r a n c h o f C a y m a n I s l a n d s g r a n t e d a lo a n a m o u n t in g t o U S D 2 ,5 0 0 ,0 0 0 . e . P T B a n k P a n I n d o n e s ia T b k g ra n te d a lo a n a m o u n t in g to U S D 9 ,5 0 0 ,0 0 0 . f. P T B a n k N e g a ra I n d o n e s ia P e r s e ro T b k B r a n c h o f H o n g k o n g g ra n t e d a lo a n a m o u n t in g to U S D 3 ,7 5 0 ,0 0 0 . g . P T B a n k N e g a ra In d o n e s ia P e r s e ro T b k B r a n c h o f T o k y o g r a n t e d a lo a n a m o u n t in g t o U S D 3 ,7 5 0 ,0 0 0 . h . T h e B a n k o f T o k y o - M it s h u b is h i U F J , L t d B ra n c h o f J a k a rt a g r a n t e d a lo a n a m o u n t in g t o U S D 4 ,5 0 0 ,0 0 0 . I . P T B a n k P e r m a t a T b k g ra n te d a lo a n a m o u n t in g to U S D 4 ,5 0 0 ,0 0 0 . 314 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 3 1 8 . B O R R O W I N G C o n t i n u e d T h e t o ta l lo a n fa c i lit y is U S D 3 8 ,5 0 0 ,0 0 0 w it h 3 y e a r p e rio d a n d in te r e s t ra t e o f L I B O R p lu s 2 m a r g in . A m o n g o t h e r s , th e c o n d itio n s o f th e lo a n fa c ility a r e ; t h e B a n k d o e s n o t h a v e t o s e ll, t r a n s fe r o r g iv e u p a n y o f t h e b a n k ’s a s s e ts e it h e r b y re n t in g t h e a s s e ts o f w h ic h w ill b e o w n e d b y th e t e n a n t o r o t h e r m e m b e r s , a n d t h e B a n k d o e s n o t h a v e t o t r a n s fe r o r g iv e u p it s r e c e iv a b l e s . T h is lo a n i s t o b e c h a n n e lle d t o t h e e x p o r t o r i e n t e d c u s t o m e r s o f t h e s h a r ia u n it o r c u s t o m e r s w h o s e in c o m e is in fo re ig n c u r r e n c ie s U n it e d S t a te s D o lla r . T h e B a n k h a s c h a n n e lle d th e lo a n fa c ilit y re c e iv e d fr o m S ta n d a r d C h a r t e r e d B a n k t o d e b to r s in t h e s h a r ia u n it a s o f D e c e m b e r 3 1 , 2 0 0 9 fo llo w s : P l a fo n d O u t s ta n d in g P e r io d U S D U S D 1 . P T E n e r g y S p e c t r u m 9 , 4 0 0 , 0 0 0 9 , 2 3 4 , 1 8 0 5 Y e a r s 2 . P T I n d o n e s i a A ir T r a n s p o r t 2 , 0 0 0 , 0 0 0 1 , 3 7 5 , 0 0 0 4 Y e a r s 3 . P T S u m b e r D a y a K e lo la 1 0 , 0 0 0 , 0 0 0 9 , 0 5 0 , 0 0 0 5 Y e a r s 4 . P T A r y a V e n t u r a R e a lit y 3 , 5 0 0 , 0 0 0 2 , 6 0 0 , 0 0 0 7 Y e a r s I n 2 0 0 8 t h e B a n k m a d e a w it h d r a w a l fr o m t h e lo a n fa c ilit y in t h e a m o u n t o f U S D 2 5 ,0 2 8 ,5 8 2 a n d m a d e p a y m e n t o f p r in c ip a l lia b ilit y in t h e a m o u n t o f U S D 7 ,5 0 8 ,5 7 4 .6 0 a n d m a r g in in th e a m o u n t o f U S D 1 ,1 7 8 ,3 3 8 .6 7 . I n 2 0 0 9 t h e B a n k m a d e a p a y m e n t o f p rin c ip a l lia b ilit y in th e a m o u n t o f U S D 7 ,5 0 8 , 5 7 4 . 6 0 a n d m a r g in in th e a m o u n t o f U S D 1 8 6 ,8 3 8 .7 5 . L o a n p r in c ip a l b a la n c e a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a m o u n t in g o f U S D 1 0 ,0 1 1 ,4 3 2 a n d U S D 1 7 ,5 2 0 ,0 0 7 .4 0 , re s p e c tiv e ly . T o c o v e r t h e m a rk e t ris k o f th e c h a n g e o f fo re ig n c u r r e n c ie s e x c h a n g e ra te , th e B a n k m a d e m o n t h ly s w a p b u y s e ll t h r o u g h P T B a n k E k s p o r I n d o n e s i a P e r s e r o a n d P T B a n k M a n d ir i P e r s e r o , T b k a m o u n t in g to U S D 5 ,5 0 0 ,0 0 0 , r e s p e c t iv e ly . s e e N o t e 3 4 . V P T S a r a n a M u l t i G r iy a F in a n c e O n S e p t e m b e r 2 4 , 2 0 0 8 , th e B a n k e n t e r e d in t o a L o a n A g r e e m e n t w it h P T S a r a n a M u lt ig r iy a F in a n s ia l P e r s e r o , N o . 0 2 4 P P S M F - D K I IX 2 0 0 8 fo r th e p u r p o s e o f h o u s in g l o a n K P R a m o u n t in g to A flo p e n d u n re v o lv in g R p 1 0 0 ,0 0 0 ,0 0 0 ,0 0 0 O n e H u n d re d B illio n R u p ia h , e x c lu d in g in te r e s t , p ro v is io n s a n d o th e r e x p e n s e s . T h e p e rio d o f th e lo a n is 1 0 t e n y e a r s , s t a r t in g o n S e p t e m b e r 2 4 , 2 0 0 8 u n til S e p te m b e r 2 4 , 2 0 1 8 . I n t e r e s t a m o u n t in g 1 0 . 5 0 p e r a n n u m i s c a lc u la t e d i n m o n t h ly r e s t o r e q u iv a le n t t o e ffe c t iv e r a t e c a lc u la t e d s in c e th e d a te th e lo a n is d ro p p e d u n til t h e d a t e th e e n tir e a m o u n t o f lo a n is p a id u p a n d a d m in is t r a tiv e fe e o f 0 .2 5 o f th e to ta l d r o p p in g a m o u n t is c h a rg e d . O n S e p t e m b e r 2 4 , 2 0 0 8 th e B a n k re c e iv e d s t a g e I d r o p p in g o f t h e lo a n in t h e a m o u n t R p 3 0 ,4 0 0 ,0 0 0 ,0 0 0 w it h fix e d in te r e s t ra te o f 1 0 .5 0 fo r th e fir s t 5 y e a r s , w h ic h w ill m a t u re o n S e p t e m b e r 2 4 , 2 0 1 3 . Laporan Tahunan 2009 Annual Report 315 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 4 1 9 . A C C R U A L S A N D O T H E R L I A B I L I T I E S 2 0 0 9 2 0 0 8 S h a ria L ia b ilit ie s 1 8 ,8 8 4 ,4 2 4 ,2 5 7 1 8 ,6 1 0 ,6 2 2 ,0 9 6 S e c u rit y D e p o s its 2 6 ,1 3 3 ,5 4 1 ,3 2 8 3 0 ,2 4 9 ,4 5 2 ,4 8 6 E m p lo y e e E x p e n s e s L ia b ilit y 5 6 ,3 8 2 ,2 2 9 ,9 8 0 5 8 ,6 6 8 ,1 3 4 ,7 3 0 A c c r u e d L ia b ilit ie s - B a n k O p e r a t io n a l 1 3 ,3 1 5 ,5 0 7 ,6 8 2 6 ,6 5 8 ,1 3 8 ,6 1 5 L e g a l P r o v is io n s e e N o t e 3 4 8 ,0 0 0 ,0 0 0 ,0 0 0 8 ,0 0 0 ,0 0 0 ,0 0 0 T h ir d P a r t y L ia b ilit y 2 4 ,0 8 0 ,8 3 0 ,8 9 8 1 7 ,7 4 3 ,2 0 6 ,9 5 9 A c c r u e d L ia b ilit ie s - F in a n c in g 6 ,9 4 2 ,5 2 0 ,3 8 9 9 ,4 0 3 ,5 6 8 ,9 5 1 D e f e r r e d In c o m e 3 ,7 8 3 ,5 8 6 ,7 2 1 3 ,9 7 9 ,5 4 6 ,1 3 9 A c c r u e d L ia b ilit ie s - O ffic e O v e r h e a d 2 ,7 0 9 ,8 0 3 ,6 0 0 2 ,3 4 3 ,7 0 1 ,4 7 8 S h a rin g L ia b ilit ie s fr o m L o a n 7 5 0 ,3 1 1 ,6 6 3 1 ,4 4 7 ,8 9 0 ,3 8 2 O t h e r s 5 5 7 ,0 8 0 ,3 2 9 1 ,3 1 0 ,3 4 4 ,2 3 2 T o t a l 1 6 1 ,5 3 9 ,8 3 6 ,8 4 7 1 5 8 ,4 1 4 ,6 0 6 ,0 6 8 2 0 . T A X A T I O N a . P r e p a id T a x e s 2 0 0 9 2 0 0 8 O v e r P a y m e n t C o r p o r a t e I n c o m e T a x o f 2 0 0 6 1 ,2 2 8 ,7 7 1 ,9 8 2 6 ,0 3 2 ,5 6 6 ,1 8 0 T o t a l 1 ,2 2 8 ,7 7 1 ,9 8 2 6 ,0 3 2 ,5 6 6 ,1 8 0 B a s e d o n T a x A s s e s s m e n t L e t t e r O v e r P a y I n c o m e T a x N o . 0 0 0 1 4 4 0 6 0 6 0 7 3 0 9 d a te d D e ce m b e r 2 2 , 2 0 0 9 , a c c o r d in g to th e r e s u lt s o f t a x e x a m in a t io n s , th e a m o u n t o f ta x o v e r p a y m e n t o f In c o m e T a x A r t ic le 2 5 2 9 o f 2 0 0 6 w a s R p 2 ,1 5 2 ,2 4 3 ,6 0 0 a n d w h e n c a lc u la t e d w ith in c o m e ta x d e b t A r t ic le 2 3 a n d A r t ic le 4 2 fin a l in 2 0 0 6 a m o u n te d t o R p 9 2 3 ,4 7 1 ,6 1 8 th e n th e p r e p a id t a x a s o f D e c e m b e r 3 1 , 2 0 0 9 a m o u n t in g to R p 1 ,2 2 8 ,7 7 1 ,9 8 2 . 316 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 5 2 0 . T A X A T I O N C o n t i n u e d b . T a x e s P a y a b le 2 0 0 9 2 0 0 8 I n c o m e T a x A r t ic le 2 1 - W a p u 6 ,5 3 0 ,7 9 5 ,6 6 8 7 ,7 7 4 ,4 8 1 ,7 2 5 I n c o m e T a x A r t ic le 2 5 - W a p u - - 5 ,1 0 7 ,6 7 3 ,8 5 8 I n c o m e T a x A r t ic le 4 F in a l - W a p u 4 ,2 7 3 ,4 7 1 ,7 9 5 3 ,2 9 0 ,2 8 8 ,6 7 0 I n c o m e T a x A r t ic le 2 3 S e r v ic e - W a p u 2 ,5 3 3 ,4 5 1 ,3 2 3 3 ,2 0 8 ,3 7 1 ,8 8 2 V a lu e A d d e d T a x 4 1 ,7 2 0 ,3 0 0 4 1 ,7 2 0 ,3 0 0 I n c o m e T a x A r t ic le 2 9 - W a p u 6 ,7 9 1 ,5 3 6 ,3 2 0 1 2 ,9 1 1 ,6 9 6 ,2 3 3 T a x D e p o s it s t h a t w ill b e P a id a s B a n k P e r s e p s i 7 ,3 1 5 ,6 5 5 ,8 4 2 1 ,7 1 1 ,7 9 9 ,2 2 7 T o t a l 2 7 ,4 8 6 ,6 3 1 ,2 4 8 3 4 ,0 4 6 ,0 3 1 ,8 9 5 c . C o r p o r a te I n c o m e T a x R e c o n c ilia t io n b e t w e e n p ro fit b e fo r e in c o m e ta x a s p r e s e n te d in s t a t e m e n ts o f in c o m e a n d e s t im a t e d fis c a l p r o fit o f th e B a n k a r e a s fo llo w s : 2 0 0 9 2 0 0 8 P r o fit B e fo r e E s t i m a t e d I n c o m e t a x A c c o r d in g t o S ta t e m e n t o f In c o m e 2 0 1 ,1 8 4 ,6 7 7 ,4 2 3 1 7 1 ,9 4 7 ,6 2 0 ,3 5 8 T im in g D iffe re n c e s A llo w a n c e fo r P o s s ib le L o s s e s o n E a r n in g A s s e t s 1 8 ,4 0 7 ,2 2 7 , 0 8 2 1 8 ,1 5 2 ,6 5 5 ,0 8 4 P e rm a n e n t D iffe re n c e s G a in o n S a le o f F ix e d A s s e t s 5 , 5 9 2 , 8 2 4 , 5 2 7 - - T h ir d P a r t y S e rv ic e a n d M a r k e t in g 2 ,3 3 4 ,2 7 0 ,2 8 3 1 ,8 8 7 ,9 8 5 ,9 6 9 I n c o m e o n E m p lo y e e s L o a n 3 ,8 2 9 ,7 1 4 ,8 0 1 6 ,0 0 1 ,7 3 1 ,4 7 4 N o n O p e r a tio n a l E x p e n s e s 2 ,7 3 0 ,6 3 7 ,5 0 8 6 ,0 6 1 ,0 8 0 ,7 3 7 I n c o m e D iffe r e n c e s o n S e cu rit ie s V a lu a tio n -N e t 7 5 2 ,3 4 2 ,1 4 8 7 0 8 ,7 0 8 ,4 4 9 T o ta l 2 2 ,4 6 1 ,3 6 7 ,2 9 5 3 1 ,3 9 4 ,7 4 4 ,8 1 5 T a x a b le In c o m e 2 2 3 ,6 4 6 ,0 4 4 ,7 1 8 2 0 3 ,3 4 2 ,3 6 5 ,1 7 3 R o u n d in g 2 2 3 ,6 4 6 ,0 4 4 ,0 0 0 2 0 3 ,3 4 2 ,3 6 5 ,0 0 0 Laporan Tahunan 2009 Annual Report 317 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 6 2 0 . T A X A T I O N C o n t i n u e d 2 0 0 9 2 0 0 8 C a lc u la tio n o f C o r p o r a te I n c o m e T a x 2 0 0 8 : 1 0 x R p 5 0 ,0 0 0 ,0 0 0 - - 5 ,0 0 0 ,0 0 0 2 0 0 8 : 1 5 x R p 5 0 ,0 0 0 ,0 0 0 - - 7 ,5 0 0 ,0 0 0 2 8 x R p 2 2 3 .6 4 6 .0 4 4 .0 0 0 in 2 0 0 9 2 0 0 8 : 3 0 x R p 2 0 3 .2 4 2 .3 6 5 .0 0 0 6 2 ,6 2 0 ,8 9 2 ,3 2 0 6 0 ,9 7 2 ,7 0 9 ,5 0 0 T a x P a y a b le s 6 2 ,6 2 0 ,8 9 2 ,3 2 0 6 0 ,9 8 5 ,2 0 9 ,5 0 0 P r e p a id T a x e s 5 5 ,8 2 9 ,3 5 6 ,0 0 0 4 8 ,0 7 3 ,5 1 3 ,2 6 7 U n d e r O v e r P a y m e n t o f I n c o m e T a x 6 ,7 9 1 ,5 3 6 ,3 2 0 1 2 ,9 1 1 ,6 9 6 ,2 3 3 d . D e f e r r e d T a x A s s e t s December 31, 2007 Charged to Statements of Income December 31, 2008 Charged to Statements of Income December 31, 2009 Excess on Allowance for Possible Losses on Earning Assets 15,354,491,300 5,445,796,525 20,800,287,825 2,128,330,326 22,928,618,151 Deferred Tax Assets 15,354,491,300 5,445,796,525 20,800,287,825 5,445,796,525 22,928,618,151 T h e c a l c u l a t io n o f in c o m e t a x fo r t h e y e a r s e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 c o n fo r m s w it h B a n k a n n u a l ta x r e t u rn . D e fe rr e d T a x A s s e ts a r is in g fr o m te m p o r a r y d iffe re n c e a n d a c c u m u la te d ta x lo s s c a rr y fo rw a rd c a n b e re c o g n iz e d if th e a m o u n t o f ta x a b le in c o m e fo r th e n e x t 5 fiv e y e a rs is a d e q u a te t o b e c o m p e n s a te d w ith th e d e fe rr e d ta x a s s e ts re c o rd e d in b a la n c e sh e e ts . I n th e y e a rs e n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 th e re is n o t a x d is p u t e . M a n a g e m e n t b e lie v e s th a t d e fe rr e d ta x a ss e ts p r o v id e d is re c o v e ra b le . 318 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 7 2 1 . C A P I T A L S T O C K C o m p o s itio n s o f sh a re o w n e rs h ip co n s ist o f: 2 0 0 9 d a n 2 0 0 8 S h a r e s N u m b e r o f P e r c e n t a g e T o t a l R p S e r ie s A S h a r e s M o n u m e n N a s io n a l R e g io n a l G o v e r n m e n t - D K I J a k a rt a 2 0 0 ,0 0 0 3 3 .3 1 2 0 0 ,0 0 0 ,0 0 0 ,0 0 0 S e r ie s B S h a re s R e g io n a l G o v e r n m e n t - D K I J a k a rt a 3 9 9 ,3 2 5 6 6 .5 2 3 9 9 ,3 2 5 ,0 0 0 ,0 0 0 P D P a s a r J a y a 1 ,0 0 0 0 .1 7 1 ,0 0 0 ,0 0 0 ,0 0 0 T o t a l 6 0 0 ,3 2 5 1 0 0 .0 0 6 0 0 ,3 2 5 ,0 0 0 ,0 0 0 B a s e d o n n o t a r ia l d e e d o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , N o . 1 0 1 d a t e d S e p t e m b e r 2 8 , 2 0 0 7 w h ic h is a re s t a t e m e n t o f n o t a r ia l d e e d o f N y . P o e r b a n in g s ih A d i W a r s it o , S H , N o . 2 5 d a t e d J u n e 1 2 , 2 0 0 7 , b a n k h a s in c r e a s e d a u th o riz e d c a p it a l fr o m R p 1 ,0 0 0 ,0 0 0 ,0 0 0 ,0 0 0 to R p 1 ,5 0 0 ,0 0 0 ,0 0 0 ,0 0 0 a n d p a id - in fr o m R p 5 5 3 ,9 1 7 ,0 0 0 ,0 0 0 t o R p 6 0 0 ,3 2 5 ,0 0 0 ,0 0 0 t h a t is fu lly fu n d e d b y R e g io n a l G o v e r n m e n t – D K I J a k a r t a . T h e a d d it io n h a s b e e n a p p r o v e d b y M in is t e r o f J u s t i c e a n d H u m a n R ig h t s w it h D e c is io n L e t t e r N o . C - 0 4 1 1 1 .H T .0 1 .0 4 - T H . 2 0 0 7 d a te d N o v e m b e r 2 2 , 2 0 0 7 . 2 2 . A D V A N C E P A Y M E N T F O R S H A R E S U B S C R I P T I O N T h is a c c o u n t is a d e p o s it m a d e b y s h a r e h o ld e rs fo r a d d it io n a l c a p it a l d u rin g th e y e a r , b u t h a s n o t s t re n g t h e n e d th r o u g h t h e im p le m e n t a t io n o f t h e R U P S a n d g e t a p p r o v a l fr o m t h e M in is t e r o f J u s t ic e a n d H u m a n R ig h t s R e p u b lic o f In d o n e s ia , W h ic h c o u ld n o t b e c la s s ifie d a s p a id -u p s h a r e c a p ita l. I n a c c o rd a n c e w it h th e M in u t e s o f G e n e ra l M e e tin g o f S h a re h o ld e r s E x t r a o r d in a ry w a s n o ta ria l d e e d b y N y . P o e rb a n in g s ih A d i W a rs it o , S .H , N o . 2 5 d a te M a y 8 , 2 0 0 9 , d e p o s it s o f c a p it a l fr o m th e p ro ce e d s o f c r e d it b illin g re m o v e th e b o o k in J u n e 1 9 9 9 a m o u n t in g t o R p 1 9 ,8 8 6 ,2 9 6 ,7 1 3 b u t o n ly p a id to th e B a n k a m o u n t e d to R p 1 0 ,8 3 4 , 5 6 2 ,9 5 0 . T h is is in a cc o r d a n c e w it h th e D e c is io n o f th e G o v e r n o r o f J a k a r t a - C a p it a l S p e c ia l R e g io n N o .1 8 1 4 2 0 0 9 d a t e d D e c e m b e r 3 , 2 0 0 9 . T h is a d d it io n a l c a p it a l in 2 0 0 8 a m o u n t in g t o R p 8 5 1 ,6 5 6 w a s d r iv e d fr o m th e e x c e s s o f t h e co lle c t io n o n r e m a in in g a s s e t lo a n s o f e x - B P P N fr o m A p ril 2 0 0 5 u n til A p r il 2 0 0 6 . Laporan Tahunan 2009 Annual Report 319 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 8 2 3 . R E T A I N E D E A R N I N G S 2 0 0 9 2 0 0 8 U n a p p r o p r ia t e d 1 3 4 ,8 8 0 ,3 7 6 ,6 5 7 9 0 ,5 6 3 ,3 7 6 ,6 5 7 A p p r o p r ia t e d 2 0 ,0 2 8 ,2 5 6 ,1 5 4 5 ,0 2 8 ,2 5 6 ,1 5 4 B a s e d o n t h e r e s u lt s o f B a n k ’s G e n e ra l S to ck h o ld e r s M e e t in g d a te d M a y 8 , 2 0 0 9 , a s s t a te d o n n o ta ria l d e e d N o . 2 4 o f N y . P o e rb a n in g s ih A d i W a r s it o , S .H ., a ll s t o c k h o ld e r s a g r e e to d is t r ib u te th e 2 0 0 8 in c o m e a f t e r t a x a s fo llo w s : a . S to c k h o ld e r s ’ d iv id e n d is R p 5 4 ,0 9 1 ,0 0 0 ,0 0 0 ; b . R e s e r v e s a r e R p 5 9 ,3 1 7 ,0 0 0 ,0 0 0 , c o n s is t in g o f u n a p p ro p r ia t e d r e s e r v e s in t h e a m o u n t o f R p 4 4 ,3 1 7 ,0 0 0 ,0 0 0 , a n d a p p r o p r ia t e d r e s e r v e s o f R p 1 5 ,0 0 0 ,0 0 0 ,0 0 0 ; c . T a n tie m a n d S e r v ic e P r o d u c t io n in c e n tiv e s a re R p 3 6 ,0 0 0 ,0 0 0 ,0 0 0 ; a n d d . W e lfa r e F u n d s is R p 3 ,0 0 0 ,0 0 0 ,0 0 0 . B a s e d o n t h e r e s u lt s o f B a n k ’s G e n e ra l S to ck h o ld e r s M e e tin g d a t e d J u n e 2 0 , 2 0 0 8 , a s s t a te d o n n o ta ria l d e e d N o . 7 0 o f N y . P o e rb a n in g s ih A d i W a r s it o , S .H ., a ll s t o c k h o ld e r s a g r e e to d is t r ib u te th e 2 0 0 7 in c o m e a f t e r t a x a s fo llo w s : a . S to c k h o ld e r s ’ d iv id e n d is R p 5 1 ,0 9 1 ,0 0 0 ,0 0 0 ; b . R e s e r v e s a r e R p 2 1 ,0 0 0 ,0 0 0 ,0 0 0 , c o n s is t in g o f u n a p p ro p r ia t e d r e s e r v e s in t h e a m o u n t o f R p 2 0 ,0 0 0 ,0 0 0 ,0 0 0 , a n d a p p r o p r ia t e d r e s e r v e s o f R p 1 ,0 0 0 ,0 0 0 ,0 0 0 ; c . T a n tie m a n d S e r v ic e P r o d u c t io n in c e n tiv e s a re R p 3 3 ,7 0 0 ,0 0 0 ,0 0 0 ; a n d d . W e lfa r e F u n d s is R p 3 0 0 ,0 0 0 ,0 0 0 . I n 2 0 0 8 , B a n k p u r c h a s e d B o n d s o f B a n k D K I IV fo u r a n d r e c o r d e d t h e p r o fit in t h e a m o u n t o f R p 2 6 7 ,5 0 0 ,0 0 0 . The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 4 9 2 4 . I N T E R E S T I N C O M E 2 0 0 9 2 0 0 8 R u p ia h L o a n s 9 2 3 ,3 2 1 ,0 2 3 ,9 3 0 7 6 8 ,6 7 0 ,1 5 2 ,8 5 9 S e cu rit ie s 5 3 1 ,1 1 5 ,7 6 3 ,9 5 6 4 8 3 ,0 4 7 ,5 8 9 ,4 2 2 P la c e m e n t a n d C u r r e n t A c c o u n t s w it h B a n k I n d o n e s ia 4 6 ,6 2 3 ,5 4 2 ,9 5 4 6 4 ,4 0 1 ,4 4 6 ,3 3 9 In c o m e o n S h a r ia F in a n c in g 5 9 ,1 4 9 ,8 4 9 ,7 6 8 4 9 ,8 1 8 ,3 7 9 ,1 6 2 C a ll M o n e y 1 2 ,0 0 9 ,1 0 1 ,3 7 9 1 7 ,9 3 2 ,1 4 9 ,7 0 8 C u rr e n t A c c o u n t s w it h O t h e r B a n k s 2 0 5 ,9 9 0 ,0 0 8 1 8 ,0 3 8 ,6 0 3 D e p o s it s 5 ,5 0 9 ,1 6 6 ,4 4 0 9 3 ,2 5 8 ,7 2 3 D e p o s it s o n C a ll 1 ,9 4 4 ,9 2 3 ,7 5 4 1 1 ,8 0 9 ,8 7 5 S u b T o t a l 1 ,5 7 9 ,8 7 9 ,3 6 2 ,1 8 9 1 ,3 8 3 ,9 9 2 ,8 2 4 ,6 9 1 F o r e ig n C u r r e n c i e s S e cu rit ie s 8 ,0 4 6 ,4 8 7 ,2 2 8 6 ,0 1 4 ,3 7 6 ,8 4 8 C a ll M o n e y 3 6 5 ,6 2 5 4 1 8 ,3 1 8 ,0 3 6 C u rr e n t A c c o u n t s w it h O t h e r B a n k s - - 6 4 5 ,7 4 9 ,0 5 3 S u b T o t a l 8 ,0 4 6 ,8 5 2 ,8 5 3 7 ,0 7 8 ,4 4 3 ,9 3 7 T o t a l 1 ,5 8 7 ,9 2 6 ,2 1 5 ,0 4 2 1 ,3 9 1 ,0 7 1 ,2 6 8 ,6 2 8 2 5 . I N T E R E S T E X P E N S E S 2 0 0 9 2 0 0 8 R u p ia h D e p o s i t s T im e D e p o s it s 3 7 6 ,9 2 7 ,5 7 4 ,0 3 8 2 9 2 ,9 3 2 ,7 6 0 ,5 8 9 D e m a n d D e p o s it s 2 4 2 ,5 4 6 ,7 8 9 ,1 5 0 1 3 0 , 0 1 5 ,2 3 5 ,1 9 2 S a v in g s D e p o s it s 5 0 ,9 7 1 ,1 8 4 ,6 9 1 4 5 ,6 2 7 ,6 8 9 ,5 8 1 D e p o s it s fr o m O t h e r B a n k s C a ll M o n e y 2 5 ,7 8 3 ,0 9 3 ,3 7 8 1 0 7 ,8 6 0 ,9 6 5 ,3 0 6 D e p o s it 2 1 8 ,5 6 6 ,3 8 8 3 1 0 ,4 3 4 ,1 2 9 D e m a n d D e p o s it s 9 6 ,8 5 1 ,0 5 3 8 8 ,4 6 8 ,1 5 7 6 9 6 ,5 4 4 ,0 5 8 ,6 9 8 5 7 6 ,8 3 5 ,5 5 2 ,9 5 4 F o r e ig n C u r r e n c i e s D e p o s i t s T im e D e p o s it s 1 6 ,7 8 7 ,6 9 2 1 6 0 ,8 5 7 ,2 0 9 D e m a n d D e p o s it s 3 8 5 ,2 3 1 ,6 6 6 1 5 ,3 8 2 ,8 3 6 4 0 2 ,0 1 9 ,3 5 8 1 7 6 ,2 4 0 ,0 4 5 320 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 0 2 5 . I N T E R E S T E X P E N S E S C o n t i n u e d 2 0 0 9 2 0 0 8 O t h e r s S e cu rit ie s 1 1 8 ,2 7 0 ,2 7 2 ,8 5 1 1 3 5 ,7 2 4 ,3 6 8 ,5 8 1 P re m iu m fo r G o v e rn m e n t G u a ra n t e e o f T h ird P a r t y F u n d s 2 1 ,8 6 7 ,3 5 5 ,9 4 4 1 6 ,8 8 1 ,1 5 6 ,1 6 1 B o rr o w in g s 1 9 ,4 3 8 ,0 0 3 ,5 4 9 2 0 ,7 3 5 ,2 5 3 ,3 1 7 G ift s o n S a v in g s 2 ,4 0 5 ,6 6 7 ,7 6 1 2 ,2 6 1 ,3 5 2 ,3 4 4 1 6 1 ,9 8 1 ,3 0 0 ,1 0 5 1 7 5 ,6 0 2 ,1 3 0 ,4 0 3 T o t a l 8 5 8 ,9 2 7 ,3 7 8 ,1 6 1 7 5 2 ,6 1 3 ,9 2 3 ,4 0 2 I n s u ra n c e p re m iu m c o v e r in g th ir d p a r t y fu n d is p a id t o G o v e r n m e n t o f R e p u b lic o f In d o n e s ia in re la t io n w it h G o v e r n m e n t ’s g u a r a n t e e fo r c e r t a in B a n k ’s lia b ilit ie s a n d h a s b e e n r e c o r d e d a s o t h e r in t e r e s t e x p e n s e s e e N o t e 1 5 a n d 3 8 . 2 6 . O T H E R O P E R A T I O N A L I N C O M E S - O T H E R S 2 0 0 9 2 0 0 8 R u p ia h S e rv ic e A d m in is t r a t io n a n d F e e In c o m e s 4 5 ,0 0 8 ,4 4 9 ,7 6 5 4 0 ,0 7 0 ,0 3 1 ,2 4 0 A T M s In c o m e 1 4 ,6 7 0 ,6 9 1 ,6 7 3 1 1 ,6 1 3 ,1 1 6 ,7 3 0 P e n a lt ie s o n U n c o lle c t ib le L o a n s 2 ,2 4 0 ,5 3 1 ,4 0 6 4 ,0 4 9 ,9 2 0 ,4 7 5 S h a r ia U n it - O t h e r In c o m e 3 ,1 2 0 ,5 0 1 ,0 2 1 3 ,2 9 9 ,6 0 2 ,9 2 6 F u n d s T ra n s fe r S e rv ic e 1 ,1 6 5 ,8 8 5 ,7 0 3 1 ,0 7 1 ,8 7 4 ,2 4 1 P e n a lt ie s o n W r it t e n -o ff L o a n s 4 6 3 ,8 2 4 ,3 1 5 3 4 9 ,1 5 4 ,8 5 7 C a s h D iv id e n d 2 8 2 ,1 3 2 ,2 8 4 4 0 1 ,4 2 8 ,4 4 9 C lo s in g o f D e p o s it A c c o u n t s 1 7 5 ,0 1 3 ,7 6 2 2 2 2 ,2 7 3 ,7 9 4 O t h e r P e n a lt ie s 4 4 6 ,6 3 2 ,9 3 2 5 7 8 ,1 0 6 ,1 7 0 T o t a l 6 7 ,5 7 3 ,6 6 2 ,8 6 1 6 1 ,6 5 5 ,5 0 8 ,8 8 2 Laporan Tahunan 2009 Annual Report 321 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 1 2 7 . P R O V I S I O N R E V E R S E F O R L O S S E S O N A S S E T S 2 0 0 9 2 0 0 8 L o a n s 2 6 ,7 6 6 ,2 3 5 ,9 3 3 4 4 ,7 5 0 ,9 3 5 ,7 4 0 C u r r e n t A c c o u n t s w it h O t h e r B a n k s 2 ,4 3 8 ,4 5 6 ,5 6 1 6 ,7 3 3 ,7 3 7 ,0 2 8 P la c e m e n ts w it h O t h e r B a n k s a n d B a n k I n d o n e s ia 4 ,7 7 1 ,5 0 3 ,0 0 0 1 ,4 9 3 ,9 7 3 ,1 0 4 S e c u rit ie s 9 5 6 ,1 6 9 ,7 2 2 1 ,0 0 8 ,5 6 1 ,1 7 7 T o t a l 3 3 ,0 2 0 ,0 2 5 ,7 7 2 5 3 ,9 8 7 ,2 0 7 ,0 4 9 2 8 . G E N E R A L A N D A D M I N I S T R A T I V E E X P E N S E S 2 0 0 9 2 0 0 8 R e n ta l E x p e n s e s 5 5 ,7 0 4 ,3 7 9 ,9 8 0 3 1 ,6 8 7 ,5 4 0 ,7 5 5 D e p r e cia t io n E x p e n s e s s e e N o t e 1 1 1 9 ,3 3 8 ,8 4 9 ,3 7 0 1 8 ,7 7 2 ,0 6 2 ,2 1 6 O ffic e E x p e n s e s 2 3 ,0 7 8 ,3 6 6 ,7 2 0 2 1 ,3 5 5 ,6 7 8 ,8 1 1 L a n d a n d O ffic e B u ild in g s 2 2 ,2 2 7 ,3 1 0 ,8 1 7 2 5 ,5 3 2 ,8 3 9 ,2 8 2 E le c t r ic it y a n d W a t e r 8 ,4 7 3 ,3 0 7 ,6 3 0 7 ,1 3 7 ,6 1 4 ,6 7 4 O ffic e F u rn it u re a n d E q u ip m e n t 6 ,5 7 1 ,2 8 9 ,0 3 6 7 ,8 0 0 ,4 2 9 ,7 7 5 M o to r V e h ic le s 7 ,2 7 9 ,4 2 6 ,5 9 0 7 ,0 3 7 ,8 9 6 ,4 7 7 T e le c o m m u n ic a t io n 3 ,2 5 6 ,7 8 9 ,8 8 2 2 ,9 8 0 ,3 1 5 ,0 9 0 B o n d Is s u a n c e C o s t 1 ,6 4 8 ,3 7 0 ,8 2 8 2 ,2 5 0 ,9 1 9 ,8 7 6 I n fo r m a t io n S y s t e m D e v e lo p m e n t 8 2 7 ,3 0 5 ,6 7 1 1 ,0 0 4 ,6 2 0 ,7 0 4 F u n d s T ra n s fe r a n d D o c u m e n t 5 , 0 5 5 ,4 9 3 ,3 3 7 8 8 1 ,2 7 0 ,1 6 9 T o t a l 1 5 3 ,4 6 0 ,8 8 9 ,8 6 1 1 2 6 ,4 4 1 ,1 8 7 ,8 2 9 2 9 . P E R S O N N E L E X P E N S E S 2 0 0 9 2 0 0 8 E m p lo y e e s B e n e fit s 3 6 1 ,0 1 2 ,4 5 3 ,2 3 9 2 9 9 ,8 1 7 ,1 8 3 ,8 1 4 E m p lo y e e s S a la r ie s a n d W a g e s 2 4 ,9 5 0 ,0 6 2 ,9 1 0 2 2 ,2 3 8 ,8 5 6 ,4 2 1 E m p lo y e e s R e c ru it m e n t 1 8 2 ,4 5 4 ,7 8 8 6 9 3 ,6 9 6 ,0 6 3 T o t a l 3 8 6 ,1 4 4 ,9 7 0 ,9 3 7 3 2 2 ,7 4 9 ,7 3 6 ,2 9 8 S a la r y , w a g e s a n d e m p lo y e e b e n e fit s fo r th e y e a r e n d e d o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 in c lu d in g th e c o m p e n s a t io n fo r th e B o a r d s o f C o m m is s io n e rs a n d D ir e c t o rs a m o u n t e d R p 1 8 ,0 3 0 ,8 4 7 ,8 7 9 a n d R p 1 6 ,6 3 5 ,3 8 2 ,4 0 0 , re s p e c tiv e ly . 322 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 2 3 0 . I N C O M E E X P E N S E N O N O P E R A T I N G - N E T 2 0 0 9 2 0 0 8 N o n O p e r a tin g In c o m e 2 ,8 1 0 ,3 3 8 ,7 1 7 1 2 ,3 8 4 ,3 2 8 ,8 2 7 P r o fit s a le o f fix e d a s s e t s n o t e 1 1 5 , 5 9 2 , 8 2 4 , 5 2 7 - - R e n ta l In c o m e 3 1 3 ,1 3 1 ,4 7 8 5 8 7 ,9 4 8 ,2 8 9 T h ir d P a r t ie s C o m m is s io n s 2 4 6 ,6 7 3 ,4 2 8 1 5 1 ,4 1 2 ,7 5 9 L o s s o n T e lle r 1 ,3 1 4 ,0 0 0 1 9 9 ,4 7 8 ,7 7 5 G a in s o n F o r e ig n E x c h a n g e - N e t 6 ,5 4 7 ,3 5 0 ,7 2 1 1 1 ,4 5 0 ,2 6 8 ,5 1 7 O t h e r s - N e t 5 ,4 0 5 ,6 4 7 ,2 6 9 8 ,6 4 7 ,9 5 4 ,1 9 6 T o t a l 2 ,9 9 1 ,3 4 3 ,8 4 0 1 5 ,7 2 6 ,5 2 5 ,4 2 1 3 1 . P E N S I O N P L A N A N D O T H E R E M P L O Y E E B E N E F I T S a . P e n s io n P la n T h e B a n k h a s a d e fin e d c o n t r ib u t io n r e t ire m e n t p la n c o v e r in g a ll o f its p e r m a n e n t e m p lo y e e s . T h is p r o g r a m is a d m in is t e r e d b y D a n a P e n s iu n B a n k D K I . T h is p e n s io n p la n w a s a p p r o v e d b y th e M in is t e r o f F in a n c e in h is D e c re e N o . K e p -0 1 5 K M 1 7 1 9 9 4 d a t e d J a n u a r y 2 1 , 1 9 9 4 . P e n s io n p la n c o n tr ib u tio n c h a r g e d t o s t a t e m e n ts o f in c o m e t h a t e n d e d o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e R p 1 2 ,5 0 8 ,6 6 4 ,1 3 4 a n d R p 1 3 ,6 4 5 ,8 7 2 ,7 9 3 , re s p e c tiv e ly . b . E m p lo y e e B e n e f it s P r o g r a m T h e B a n k h a s c a lc u la t e d it s e s t im a t e d e m p lo y e e b e n e fit s lia b ilit y in a c c o r d a n c e w it h L a b o r L a w N o . 1 3 2 0 0 3 . N o fu n d i n g o f b e n e fits h a s b e e n d o n e in r e la t io n t o t h e e m p lo y e e b e n e f i t s p r o g r a m . T h e b a la n c e s o f e m p lo y e e b e n e fit s lia b ility fo r t h e y e a r 2 0 0 9 a n d 2 0 0 8 a r e b a s e d a n I n d e p e n d e n t A c tu a r y ’s P T D ia n A r t h a T a m a r e p o r t N o . 2 7 5 -A P S A K D A T I I I 2 0 1 0 d a t e d M a r c h 1 8 , 2 0 1 0 a n d N o . 1 2 2 - A P S A K D A T I I I 2 0 0 9 d a t e d M a r c h 1 7 , 2 0 0 9 w it h re g a rd s to t h e a p p lic a tio n o f P S A K N o . 2 4 R e v i s e d 2 0 0 4 , “ E m p lo y e e B e n e fit s ” . T o ta l lia b ilit ie s b a s e d o n th e In d e p e n d e n t A c t u a r y ’s c a lc u la t io n a n d L a b o r L a w N o . 1 3 2 0 0 3 a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s : 2 0 0 9 2 0 0 8 P r e s e n t V a lu e o f E m p lo y e e B e n e fit L ia b ilit i e s 3 4 7 ,6 9 3 ,4 7 0 ,0 4 7 3 3 9 ,6 3 5 ,2 1 4 ,6 2 0 F a ir V a lu e o f A s s e t P r o g r a m 4 0 0 ,6 6 4 ,9 4 4 ,8 5 9 3 5 5 ,3 9 5 ,9 7 3 ,7 3 7 F in a n c in g S t a t u s 5 2 ,9 7 1 ,4 7 4 ,8 1 2 1 5 ,7 6 0 ,7 5 9 ,1 1 7 U n r e c o g n iz e d A c tu a r ia l G a in s L o s s e s 3 4 ,4 4 1 ,3 6 8 ,4 9 7 4 ,1 4 8 ,9 5 2 ,4 9 2 P r e p a id E m p lo y e e B e n e f it s 1 8 ,5 3 0 ,1 0 6 ,3 1 5 1 9 ,9 0 9 ,7 1 1 ,6 0 9 Laporan Tahunan 2009 Annual Report 323 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 3 3 1 . P E N S I O N P L A N A N D O T H E R E M P L O Y E E B E N E F I T S C o n t i n u e d T h e e m p lo y e e b e n e fit e x p e n s e s fo r t h e y e a r s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 C u r r e n t S e rv ic e C o s t 1 5 ,4 6 4 ,3 4 5 ,3 4 0 1 4 ,5 7 0 ,3 9 7 ,7 3 2 I n te r e s t E x p e n s e 3 3 ,9 6 3 ,5 2 1 ,4 6 2 4 9 ,5 1 3 ,8 6 2 ,6 1 6 R e s u lt s o f R e t u rn A s s e t P r o g r a m t h a t is e x p e c t e d 3 5 ,5 3 9 ,5 9 7 ,3 7 4 3 2 ,8 0 4 ,6 8 1 ,3 7 0 A c tu a r ia l L o s s G a in s - - 5 ,5 8 7 ,4 6 1 ,9 0 2 T o t a l E m p lo y e e B e n e f it s E x p e n s e 1 3 ,8 8 8 ,2 6 9 ,4 2 8 3 6 ,8 6 7 ,0 4 0 ,8 8 0 C h a n g e s in p r e p a id e m p lo y e e b e n e fit s in a c c o r d a n c e w it h I n d e p e n d e n t A c t u a r y ’s c a lc u la t io n s : 2 0 0 9 2 0 0 8 B e g in n in g B a la n c e o f P r e p a id E m p lo y e e B e n e fit s 1 9 ,9 0 9 ,7 1 1 ,6 0 9 4 3 ,1 3 0 ,8 7 9 ,6 9 6 E m p lo y e e B e n e fit s E x p e n s e - N e t 1 3 ,8 8 8 ,2 6 9 ,4 2 8 3 6 ,8 6 7 ,0 4 0 ,8 8 0 C o n t r ib u tio n 1 2 ,5 0 8 ,6 6 4 ,1 3 4 1 3 ,6 4 5 ,8 7 2 ,7 9 3 E n d i n g B a l a n c e o f P r e p a i d E m p l o y e e B e n e f it s 1 8 ,5 3 0 ,1 0 6 ,3 1 5 1 9 ,9 0 9 ,7 1 1 ,6 0 9 T h e k e y a s s u m p t io n s u s e d b y th e In d e p e n d e n t A c t u a r y fo r y e a r 2 0 0 9 a n d 2 0 0 8 fo r th e ca lc u la t io n o f p e n s io n b e n e f it e x p e n s e s , a r e a s fo llo w s : 2 0 0 9 2 0 0 8 D is c o u n t R a t e 1 0 1 2 S a la r y In c r e a s e R a t e 5 p e r a n n u m 5 p e r a n n u m M o r t a lit y R a t e C S O 1 9 5 8 C S O 1 9 5 8 P e r m a n e n t D is a b ilit y R a t e 0 .0 1 p e r a n n u m 0 .0 1 p e r a n n u m R e s ig n a t io n R a t e 0 .0 5 p e r a n n u m 0 .0 5 p e r a n n u m P r o p o rt io n o f E a r ly R e t ir e m e n t 0 .0 5 p e r a n n u m 0 .0 5 p e r a n n u m M e t h o d P r o je c t e d U n it C r e d it P r o je c t e d U n it C r e d it T o ta l b a la n c e o f lia b ilit y o f e m p lo y e e b e n e fits b a s e d o n I n d e p e n d e n t A c t u a r y ’s c a lc u la t io n a n d th e B a n k ’s L a b o r p o lic y t h a t a r e n o t i n c lu d e d in L a b o r L a w N o . 1 3 2 0 0 3 in y e a r 2 0 0 9 a n d 2 0 0 8 is N il, r e s p e c tiv e ly . 324 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 4 3 2 . B A S I C E A R N I N G S P E R S H A R E 2 0 0 9 2 0 0 8 N e t In c o m e N e t In c o m e fo r C o m p u t a tio n o f B a s ic E a r n in g P e r S h a r e 1 4 0 ,6 9 2 ,1 1 5 ,4 2 9 1 1 6 ,4 0 8 ,2 0 7 ,3 8 3 1 4 0 ,6 9 2 ,1 1 5 ,4 2 9 1 1 6 ,4 0 8 ,2 0 7 ,3 8 3 O u t s t a n d i n g S h a r e s S h a r e s S h a r e s B e g in n in g B a la n c e 6 0 0 ,3 2 5 6 0 0 ,3 2 5 A d d it io n a l - - - - T o t a l O u ts t a n d in g S h a r e s 6 0 0 ,3 2 5 6 0 0 ,3 2 5 T o t a l S h a r e s S h a r e s S h a r e s W e ig h t e d A v e r a g e N u m b e r o f C o m m o n S t o c k O u ts t a n d in g fo r C o m p u ta t io n o f E a r n in g P e r S h a r e 6 0 0 ,3 2 5 6 0 0 ,3 2 5 B a s ic E a r n in g P e r S h a r e 2 3 4 ,3 6 0 1 9 3 ,9 0 9 3 3 . T R A N S A C T I O N W I T H R E L A T E D P A R T I E S T h e B a n k h a s b u s in e s s tr a n s a c t io n s w it h co m p a n ie s h a v in g th e s a m e s t o c k h o ld e r s a n d o r m a n a g e m e n t o f th e B a n k . T h e s e t r a n s a c tio n s p r im a r ily re la t e t o le n d in g a n d b o r r o w in g o f fu n d s in t h e n o r m a l c o u r s e o f th e ir b u s in e s s a n d a r e s u b s t a n tia lly m a d e o n a n a r m ’s le n g th b a s is e x c e p t lo a n t o e m p lo y e e s a n d B a n k ’s D ire c t o r s w ith p e r io d o f 1 o n e t o 1 5 fift e e n y e a r s , 5 in t e r e s t ra t e s p e r y e a r a n d m o n t h ly p a y m e n t t h r o u g h m o n t h ly s a la r y d e d u c t io n . S ig n ific a n t tr a n s a c tio n s w it h r e la t e d p a r t ie s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 L o a n s R u p ia h P T B P R D a r b e n i 1 ,0 5 3 ,2 3 4 ,4 3 9 1 9 4 ,3 5 5 ,9 3 2 C o m m is s io n e r, D ir e c t o r s a n d E x e c u tiv e B a n k O ffic e r s 4 ,9 0 8 ,9 9 5 ,4 7 8 4 ,9 2 0 ,9 1 4 ,3 2 9 T o t a l L o a n s 5 ,9 6 2 ,2 2 9 ,9 1 7 5 ,1 1 5 ,2 7 0 ,2 6 1 P e r c e n ta g e to t o ta l a s s e t 0 .0 4 0 .0 4 I n te r e s t In c o m e 2 6 8 ,3 0 0 ,3 4 6 4 0 9 ,2 1 4 ,6 3 9 T h e p e r c e n t a g e to th e a m o u n t o f in t e r e s t in c o m e 0 .0 2 0 .0 3 Laporan Tahunan 2009 Annual Report 325 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 5 3 3 . T R A N S A C T I O N W I T H R E L A T E D P A R T I E S C o n t i n u e d 2 0 0 9 2 0 0 8 D e p o s i t s fr o m C u s t o m e r s D e m a n d D e p o s it s 1 ,1 5 5 ,9 7 1 ,2 2 8 3 ,2 9 3 ,8 5 7 ,0 4 3 S a v in g D e p o s it s 7 ,1 5 0 ,4 0 1 ,8 4 9 4 ,8 6 9 ,1 7 5 ,0 1 9 T im e D e p o s it s 1 3 ,6 0 4 ,7 4 4 ,8 6 7 1 1 ,3 8 4 ,8 1 9 ,7 5 4 T o t a l 2 1 ,9 1 1 ,1 1 7 ,9 4 4 1 9 ,5 4 7 ,8 5 1 ,8 1 6 T h e p e r c e n ta g e o f th e a m o u n t o f lia b ilit ie s 0 .1 5 0 .1 5 I n te r e s t E x p e n s e 1 ,7 7 2 ,6 0 9 ,4 4 2 1 ,3 3 3 ,7 4 0 ,8 4 9 T h e p e r c e n ta g e o f th e a m o u n t o f in te r e s t c o s t 0 .2 1 0 .1 6 D e t a ils a n d ty p e o f tr a n s a c tio n s w it h r e la t e d p a r t ie s a r e a s fo llo w s : R e la t e d P a r t y R e la tio n s h ip T r a n s a c t io n P T B P R D a r b e n i M a n a g e m e n t - L o a n s - In t e re s t In c o m e s P e r s o n a l C o m m is s io n e r s , D ir e c t o r , E m p lo y e e a n d E x e c u tiv e B a n k O ffic e r s - L o a n s - D e p o s i t s fr o m C u s t o m e r s A ll tr a n s a c t io n w it h re la te d p a rt i e s e x c e p t lo a n s to k e y m a n a g e m e n t p e rs o n n e l, a r e c o n d u c t e d a t n o rm a l te rm s a n d co n d itio n s sim ila r to th o s e w ith n o n re la te d p a rt ie s . 326 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 6 3 4 . C O M M I T M E N T S A N D C O N T I N G E N C I E S A s p a r t o f n o r m a l b a n k in g b u s in e s s , t h e B a n k h a s c o m m it m e n ts a n d c o n tin g e n c ie s th a t a re n o t p r e s e n t e d in th e fin a n c ia l s t a t e m e n t s . S u m m a r y o f c o m m it m e n ts a n d c o n tin g e n c ie s B a n k b y t y p e , c u r r e n c y a n d c o lle c t ib ilit y o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 a r e a s fo llo w s : 2009 Current Special Mention Substandard Doubtful Loss Total COMMITMENTS Commitments Receivables Rupiah Others 150,000,000,000 150,000,000,000 Foreign Currencies Outstanding Forward Purchases -- -- -- -- -- -- Outstanding Spot Purchases -- -- -- -- -- -- Others 317,240,077,924 -- -- -- -- 317,240,077,924 Total Commitments Receivables 467,240,077,924 -- -- -- -- 467,240,077,924 Commitments Payables Rupiah Unused Loan Facility Granted 2,008,564,093,757 -- -- -- -- 2,008,564,093,757 Outstanding Spot Sales -- -- -- -- -- -- Foreign Currencies Irrevocable LC is running LC Outside Country 317,240,077,924 -- -- -- -- 317,240,077,924 Total Commitment Payable 2,325,804,171,681 -- -- -- -- 2,325,804,171,681 Total Commitment - Net 1,858,564,093,757 -- -- -- -- 1,858,564,093,757 CONTINGENCIES Contingencies Receivables Rupiah Interest Receivables on Non Performing Loans -- -- 11,297,107,419 2,841,273,166 40,110,564,474 54,248,945,059 Total Contingencies Receivables -- -- 11,297,107,419 2,841,273,166 40,110,564,474 54,248,945,059 Contingencies Payables Rupiah Bank Guarantees 452,283,041,322 -- -- -- -- 452,283,041,322 Forwarding Credit 29,769,790,800 -- -- -- -- 29,769,790,800 Productive assets are removed the book 297,851,561,344 -- -- -- -- 297,851,561,344 Foreign Currencies Bank Guarantees 32,678,671,623 -- -- -- -- 32,678,671,623 Productive assets are removed the book 32,525,661,517 --- -- -- -- 32,525,661,517 Total Contingencies Payables 845,108,726,606 -- -- -- -- 845,108,726,606 Total Contingencies - Net 845,108,726,606 -- 11,297,107,419 2,841,273,166 40,110,564,474 790,859,781,547 COMMITMENTS AND CONTINGENCIES - NET 2,703,672,820,363 -- 11,297,107,419 2,841,273,166 40,110,564,474 2,649,423,875,304 Laporan Tahunan 2009 Annual Report 327 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 7 3 4 . C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d 2008 Current Special Mention Substandard Doubtful Loss Total COMMITMENTS Commitments Receivables Foreign Currencies Outstanding Forward Purchases 131,065,000,000 -- -- -- -- 131,065,000,000 Outstanding Spot Purchases 59,950,000,000 -- -- -- -- 59,950,000,000 LC Import Usance 815,756,000 -- -- -- -- 815,756,000 Total Commitments Receivables 191,830,756,000 -- -- -- -- 191,830,756,000 Commitments Payables Rupiah Unused Loan Facility Granted 938,967,659,061 -- -- -- -- 938,967,659,061 Outstanding Spot Sales 55,000,000 -- -- -- -- 55,000,000 Foreign Currencies Outstanding Forward Sales 119,900,000,000 -- -- -- -- 119,900,000,000 Total Commitment Payable 1,058,922,659,061 -- -- -- -- 1,058,922,659,061 Total Commitment - Net 867,091,903,061 -- -- -- -- 867,091,903,061 CONTINGENCIES Contingencies Receivables Rupiah Interest Receivables on Non Performing Loans 34,667,021,846 -- -- -- -- 34,667,021,846 Total Contingencies Receivables 34,667,021,846 -- -- -- -- 34,667,021,846 Contingencies Payables Rupiah Bank Guarantees 333,861,265,201 -- -- -- -- 333,861,265,201 Productive assets are removed the book 275,806,967,101 275,806,967,101 Foreign Currencies Bank Guarantees 11,777,250,621 11,777,250,621 Productive assets are removed the book 32,525,661,517 -- -- -- -- 32,525,661,517 Total Contingencies Payables 653,971,144,440 -- -- -- -- 653,971,144,440 Total Contingencies - Net 619,304,122,594 -- -- -- -- 619,304,122,594 COMMITMENTS AND CONTINGENCIES - NET 1,486,396,025,655 -- -- -- -- 1,486,396,025,655 F o r t h e y e a r s e n d e d o n D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , B a n k h a s r e c o r d e d e s t im a t e d lo s s f r o m c o m m it m e n t s a n d c o n t in g e n c ie s a m o u n t e d t o R p 4 ,8 3 8 ,7 0 5 ,1 9 1 a n d R p 3 ,4 5 4 ,7 2 9 ,6 0 9 r e s p e c tiv e ly . A s o f D e ce m b e r 3 1 , 2 0 0 9 d id n o t h a v e S w a p t r a n s a c t io n s w h ile a s o f D e ce m b e r 2 0 0 8 B a n k s w a p t r a n s a c t io n s to co v e r th e m a r k e t ris k o f c h a n g e s in fo r e ig n e x c h a n g e r a t e s o n lo a n s re c e iv e d fr o m S ta n d a r d C h a r t e r e d B a n k In a w a y t o B u y S e ll S w a p w it h : 1 . P T B a n k E k s p o r In d o n e s ia P e r s e r o o n D e c e m b e r 2 , 2 0 0 8 a m o u n t i n g t o U S D 5 ,5 0 0 ,0 0 0 w it h a 1 -m o n th p e r io d s t a r t in g o n D e c e m b e r 4 , 2 0 0 8 t o J a n u a r y 5 , 2 0 0 9 , w it h a b u y r a t e o f U S D 1 = R p 1 2 ,4 0 0 a n d se ll ra te o f U S D 1 = R p 12 ,5 6 0 . 2 . T h e B a n k a ls o m a d e a S w a p B u y S e ll t r a n s a c t io n w it h P T B a n k M a n d ir i P e r s e r o , T b k o n D e c e m b e r 3 0 , 2 0 0 8 a m o u n t in g to U S D 5 ,5 0 0 ,0 0 0 w it h a 1 -m o n th p e rio d s t a r t in g o n J a n u a ry 5 , 2 0 0 9 to F e b ru a r y 5 , 2 0 0 9 w it h a b u y ra te o f U S D 1 = R p 1 1 ,5 1 0 a n d s e ll r a t e o f U S D 1 = R p 1 1 , 2 7 0 s e e N o t e 1 8 . 328 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 8 3 4 . C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d B a n k is in v o lv e d in v a r io u s le g a l c a s e s , e it h e r a s t h e p r o s e c u t o r o r t h e p a r t y t h a t is p r o s e c u t e d b y t h ir d p a r t ie s a s w e ll is B a n k ’s a s s e t . S ig n ific a n t le g a l c a s e s p e r D e c e m b e r 3 1 , 2 0 0 8 a r e a s fo llo w s : a . L a w s u it fr o m T h e T jin K o k r e g a r d in g c o m p e n s a t io n fo r t h e p la c e m e n t o f a b u ild in g lo c a t e d o n J l. G r e a t W e s t D o o r o f S o u t h J a k a rt a in th e y e a r 1 9 6 2 -1 9 6 4 a m o u n t in g to R p 3 5 ,0 0 0 ,0 0 0 ,0 0 0 b o r n e in e q u a l p a r t s b e tw e e n th e B a n k a n d th e G o v e r n m e n t o f D K I J a k a rt a P r o v in c e . B a s e d o n t h e d e c i s io n o f t h e J u d ic i a l R e v i e w , t h e B a n k a n d t h e P r o v i n c ia l G o v e r n m e n t o f J a k a r t a d e c l a r e d d e fe a t e d a n d o b lig e d t o p a y in d e m n it y c o m p e n s a t io n p lu s in t e r e s t a m o u n t in g t o R p 1 4 ,8 0 0 ,0 0 0 ,0 0 0 . I n c o n n e c t io n w it h t h e s e le g a l m a t t e r s , t h e B a n k h a s p r o v i d e d lo s s a m o u n t in g t o R p 8 ,0 0 0 ,0 0 0 ,0 0 0 . b . C la im B a n k to P T B u m i P e r k a s a P r o p e r t in d o t o c a n c e l B O T a g r e e m e n t r e la t in g t h e d e fe n d a n t c o u ld n o t c a r r y o u t it s o b lig a t io n s b r e a c h , w h ic h is n o t y e t b u ilt th e to w e r o f B a n k a n d p a y m o n e y fo r t h e p u r c h a s e o f la n d o w n e d b y B a n k lo c a te d o n J l. K a m p u n g L im a a m o u n tin g R p 1 6 ,0 0 0 ,0 0 0 ,0 0 0 a n d th e d e fe n d a n t h a s d e fa u lte d a n d u n la w fu l a c t, n a m e ly th e la n d le a s e fo r p a rk in g sp a c e . C u r r e n t s t a t u s o f t h e B a n k lo s e s t h e c a s e a t th e S u p r e m e C o u r t le v e l a n d th e B a n k w ill r e s o lv e th is m a t t e r th ro u g h th e lin e s o f b u s in e s s n o n -ju d ic ia l a n d is c u rr e n tly in th e p ro c e s s o f n e g o t ia t io n s o th a t th e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . c . L a w s u it fr o m A D P u s k o p a d to P T M u lt a n P a n d ir a , P T P r im a B e t o n E lo k , P T B u m i M a k m u r a n d t h e B a n k b e c a u s e o f g u a r a n t e e s b y P T M u lt a n P a n d ir a t o t h e B a n k in t h e fo r m o f m a n a g e m e n t r ig h t s o v e r M u lt a n C e n t e r B u ild in g w it h o u t a p p r o v a l fr o m th e A r m y H e a d q u a rt e rs , s o it is c o n s id e r e d in v a lid . B a n k s w o n a t th e D is t r ic t C o u rt , th e H ig h C o u r t a n d S u p re m e C o u rt a n d t h e cu rr e n t s t a t u s o f th e c a s e in t h e J u d ic ia l R e v ie w s t a g e . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d it io n o f th e B a n k . d . L a w s u it fr o m D ju n a id y A fo r m e r G e n e r a l D ir e c t o r o f t h e B a n k r e g a r d in g e m p lo y e e s e r v ic e e n tit le m e n t a t t h e e n d o f t h e jo b a m o u n tin g R p 7 ,5 0 0 ,0 0 0 ,0 0 0 w h ic h th e B a n k h a s n o t p a id d u e t o e c o n o m ic a n d m o n e ta r y c r is is . T h e B a n k lo s e s in t h e H ig h C o u r t a n d m u s t p a y t h e a w a r d a n d d e d ic a t e d s e r v ic e s a m o u n t in g t o R p 1 ,2 4 0 ,0 0 0 ,0 0 0 . T h e s ta t u s o f t h e c a s e is c u rr e n t ly in p h a s e in th e S u p r e m e C o u r t. T h e B a n k b e lie v e s t h a t t h is la w s u it w ill n o t a ffe c t t h e c o n d it io n o f t h e B a n k . e . L a w s u it fr o m P T A lfa P e r s a d a K a r s a a s b o u w h e e r t o P T G e la r G a t r a L a r a s c o n tr a c t o r a n d B a n k t h e is s u e r o f B a n k G u a ra n t e e s a n d a s s u m e th a t t h e P T G e la r G a t r a L a ra s h a s d e fa u lt e d in t h e im p le m e n t a tio n o f t h e w o rk a n d s u e a n d d e m a n d e d w it h d ra w a l o f B a n k G u a ra n t e e R p 7 5 3 ,4 8 1 ,2 2 0 . I n t h e H ig h C o u r t , th e B a n k lo s e s a n d m u s t p a y d a m a g e s a n d in te r e s t a m o u n t in g t o R p 3 0 8 , 9 2 7 , 3 0 0 . T h e s t a t u s o f t h e c a s e is c u r r e n t ly in s t a g e o f c a s s a t io n in t h e S u p r e m e C o u r t a n d th e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . Laporan Tahunan 2009 Annual Report 329 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 5 9 3 4 . C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d f. L a w s u it fr o m C V P a n c a D e w i a n d M r s . T a r iy a h t o c a n c e l t h e a u c t io n o f t h e c o lla te ra l a m o u n t e d t o R p 1 2 0 ,0 0 0 , 0 0 0 o r lo w e r t h a n t h e re a l v a lu e o f c o lla t e r a l t h a t is e q u a l t o R p 3 0 0 ,0 0 0 , 0 0 0 . In t h e H ig h C o u r t th e B a n k h a s w o n a n d t h e s t a t u s o f t h e c a s e c u rr e n tly in th e s t a g e o f a p p e a l in th e S u p re m e C o u rt . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . g . L a w s u it fr o m R o o b y N o o r D a e n g o w n e r o f t h e c r e d it g u a r a n t e e a g a in s t t h e B a n k in o r d e r t o r e s t o r e th e g u a r a n te e s g iv e n b y th e C V R e lia I n d a h N u s a n ta r a d e b t o r w it h lo s s q u a lit y . In th e H ig h C o u r t th e B a n k h a s w o n a n d t h e s t a t u s o f th e ca s e c u rr e n tly in th e s t a g e o f a p p e a l in th e S u p re m e C o u rt . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . h . L a w s u it fr o m O o m K o m a r ia h a g a in s t t h e B a n k b e c a u s e o f h e r r e q u e s t t o re m o v e th e re p a y m e n t o f lo a n in te r e s t fro m b a d c r e d it w a s r e je c t e d . T h e B a n k w o n in th e H ig h C o u r t a n d t h e s t a t u s o f t h e c a s e c u r r e n t ly in th e s t a g e o f c a s s a tio n in th e S u p r e m e C o u r t . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f the B a n k . I . L a w s u it fr o m S u t ik n o S u b a n d i a g a in s t t h e B a n k b e c a u s e o f it s la n d p u r c h a s e d fr o m P u t r o S a m p u r n o h u s b a n d o f R it a n ti H a r t in a h is u s e d a s c o lla t e r a l b y R it a n ti H a r t in a h t o t h e B a n k . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . j. L a w s u it fr o m T jit r a B in t o ro a n d S ie B u y u n g a g a in s t th e B a n k d u e t h e i r p r o p e rt y p le d g e d b y C V P e r d a n a B u a n a R a y a t o t h e B a n k . T h e B a n k b e lie v e s t h a t t h is la w s u it w ill n o t a ffe c t th e co n d it io n o f th e B a n k . k . L a w s u it fr o m R a c h m a d i P ra y o g o a g a in s t t h e B a n k b e c a u s e o f it s la n d is u s e d a s c o lla te ra l b y P T M e r c u ry W o o d t o th e B a n k . C u rr e n t s t a tu s o f th e ca s e i n t h e S u p r e m e C o u rt s t a g e . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . l. L a w s u it fr o m H a s a n u d d in b in S a a d a n a g a in s t C h ie f o f t h e L a n d O ffic e in C e n t r a l J a k a r t a C it y A d m in is t ra t io n a n d B a n k o f o w n e r s h ip o f la n d b y th e B a n k in K e b o n S ir ih J a k a rt a . T h e B a n k w o n in th e C o u r t o f A d m in is t r a tiv e o f th e S ta te , a n d t h e s t a tu s o f c a s e s c u r r e n t ly in p r o ce s s in th e H ig h C o u r t o f S ta t e A d m in is t r a t iv e . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t t h e c o n d it io n o f th e B a n k . m . L a w s u it fr o m R o s r i t a T io n iw a r a g a in s t t h e B a n k d u e t o it s la n d h a d b e e n c o n fis c a t e d a c c o r d in g t o t h e C e n tr a l J a k a rt a D is t r ic t C o u rt . C u rr e n t s t a t u s o f th e c a s e i s i n t h e H ig h C o u r t a n d t h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f th e B a n k . n . L a w s u it fr o m th e B a n k to P T M u lt a n P a n d ir a in o r d e r t h e a u c t io n r e s u lt s o f c o lla t e r a l a t J l. H a n g T u a h v a lu e d a t R p 5 5 8 ,4 5 0 ,0 0 0 s t a te d a s p a rt o f th e p a y m e n t a m o u n t s . T h e B a n k w o n in th e H ig h C o u r t a n d th e s t a t u s o f c u r r e n t c a s e s in th e S u p r e m e C o u r t le v e l. T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e co n d itio n o f the B a n k . 330 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 0 3 4 . C O M M I T M E N T S A N D C O N T I N G E N C I E S C o n t i n u e d o . L a w s u it fr o m th e B a n k to P T W iro s K o n s u m in d o In d o n e s ia a n d P T A s u r a n s i E k s p o r In d o n e s ia a m o u n t e d t o R p 2 ,4 9 1 ,9 8 4 ,2 6 0 f o r p u rc h a s e o f e x p o rt b ills n o t p a id b y E a s t E u ro p e a n a n d P T A s u ra n s i E k s p o r In d o n e s ia a s th e in s u r e r r e fu s e d t o p a y . B a n k s w o n in th e S u p r e m e C o u rt a n d c u rr e n t ly i n t h e p ro c e s s o f e x e c u tio n . T h e B a n k b e lie v e s th a t th is la w s u it w ill n o t a ffe c t th e c o n d it io n o f th e B a n k . M a n a g e m e n t b e li e v e s t h a t t h e a llo w a n c e fo r lo s s is a d e q u a te to co v e r th e lo s s p o s s ib ilit y o f th e u n c o lle c t e d c o m m it m e n t s a n d c o n t in g e n c ie s . T h e c h a n g e s in p r o v is io n fo r p o s s ib le lo s s o f co m m it m e n t a n d c o n t in g e n c ie s a r e a s fo llo w s : 2 0 0 9 2 0 0 8 B a la n c e a t b e g in n in g o f th e y e a r 3 ,4 5 4 ,7 2 9 ,6 0 9 2 ,4 0 9 ,0 2 2 ,8 9 3 P r o v is io n r e v e rs a l d u rin g th e y e a r 1 ,0 5 9 ,4 5 2 ,9 8 6 1 ,1 0 4 ,8 8 7 ,1 5 3 T r a n s la t io n d ifffe r e n c e s 3 7 3 ,5 9 5 ,2 6 5 5 9 ,1 8 0 ,4 3 7 B a la n c e a t e n d o f th e y e a r 4 , 8 8 7 ,7 7 7 ,8 6 0 3 ,4 5 4 ,7 2 9 ,6 0 9 3 5 . R I S K M A N A G E M E N T C r e d it R i s k T h e c r e d it r is k m a n a g e m e n t in B a n k w a s s t a r t e d w it h d e v e lo p m e n t o f o r g a n iz a t io n s t r u c t u r e t o s u p p o r t t h e c o n t r o l o f cr e d it ris k , w it h s e g r e g a tio n fu n c t io n b e tw e e n a n a ly s t o f r is k a n d a n a ly s t o f m a rk e tin g , s o t h e fo u r e y e s p r in c ip le c a n b e a c h ie v e d . M o re o v e r, th e d e v e lo p m e n t o f C o m p a n y ’s C re d it M a n u a l B o o k B P P a r e c o n d u c t e d c o n t in u o u s ly , s t a r tin g fro m t h e p r e p a r a t io n o f B P P o f C r e d it, B P P o f C r e d it P o lic y , a n d B P P o f C r e d it R is k M a n a g e m e n t . I n o r d e r th a t th e cr e d it m a n a g e m e n t t o w o r k e f fe c t iv e ly a n d t h e r is k t o b e c o n t ro lle d a n d t o a c h ie v e p ru d e n t ia l p r in c ip le , th e B a n k e s t a b lis h e d th e M o r t g a g e a n d H o u s in g L o a n G r o u p , th e C o m m e r c i a l G r o u p , a n d t h e C o n s u m e r G r o u p . T h e r is k a n a ly s is b e g in w it h id e n tific a t io n , m e a s u r e m e n t, m o n it o r in g a n d c o n t r o llin g o f c r e d it ris k . Id e n tific a t io n o f c r e d it ris k is c o n d u c t e d e a rly to k n o w th e p o s s ib ilit y o f d e b t o r s d e fa u lt s . C r e d it ris k m e a s u r e m e n t is in t e n d e d fo r C A R c a lc u la t io n a n d fo r c la s s ific a t io n o f n o n p e r fo r m in g lo a n b y t y p e s o f lo a n s a n d b y b u s in e s s s e c t o r s a n d a ls o fo r t h e a c c u ra t e ra t io c a lc u la t io n w h ic h c a n e a r ly d e t e c t t h e p o s s ib ilit y o f d e fa u l t . Laporan Tahunan 2009 Annual Report 331 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 1 3 5 . R I S K M A N A G E M E N T C o n t i n u e d M a r k e t R i s k T h e a u t h o r ity o b lig a t e s B a n k to c a lc u la t e C A R b y c o n s id e r in g M a r k e t R is k . C A R w ith M a r k e t R is k is c a lc u la t e d w it h s ta n d a r d m o d e l m e t h o d . A s B a n k ’s b u s in e s s a c tiv it ie s e s p e c i a l ly in tr a d in g h a v e in c r e a s e d , s o ft w a re t r e a s u r y is d e v e lo p e d a n d u s e d b y t h e t r a d e rs fo r tr a d in g a c t iv it ie s . B e s id e s u s e d b y th e t r a d e rs , th is s o ft w a re is in t e g r a te d w it h R is k M a n a g e m e n t G r o u p , a g ro u p t h a t m a n a g e s M a r k e t R is k in o r d e r th a t ris k s re la t e d t o t r a d in g c o u ld b e m o n it o r e d d a ily . T o g e t a ca lc u la t io n t h a t is m o r e s e n s it iv e a n d a p p r o p r ia t e w it h M a r k e t R is k P r o file w h ic h B a n k h a s , th e in t e rn a l m o d e l is a ls o d e v e lo p e d . In b u s in e s s p la n o f 2 0 0 8 , in t e rn a l m o d e l c a lc u la tio n m e th o d w ill b e u s e d to c o m p le te s t a n d a r d m o d e l a l r e a d y u s e d . In t e rn a l m o d e l w ill b e u s e d s o le ly in e a rly 2 0 0 9 a s s u b s t it u t io n fo r s t a n d a r d m o d e l a lr e a d y u s e d n o w . F o r e ig n c u r r e n c y ris k s a r is e fr o m o n a n d o ff b a la n c e s h e e t p o s it io n s b o t h o n t h e a s s e t a n d lia b ilit y s id e s . B a n k ’s fo r e ig n c u r r e n c y p o s itio n m a n a g e m e n t is d iv id e d in t o t w o a c t iv itie s : th e tr a d in g b o o k , w h ic h is m a n a g e d to g e n e r a t e fo r e ig n e x c h a n g e g a in s , a n d t h e b a n k in g b o o k , w h ic h is m a n a g e d to co n tr o l B a n k ’s o v e r a ll N e t O p e n P o s it io n . T h e m a x im u m N e t O p e n P o s it io n t o b e m a in ta in e d b y I n d o n e s ia n b a n k s is 2 0 o f c a p it a l. In re la t io n t o th is , B a n k s t a t e d in t e r n a l p o lic ie s to m a n a g e it s N e t O p e n P o s it io n . B e s id e u s in g n o m in a l a p p r o a c h N e t O p e n P o s it io n , th e m a r k e t ris k m e a s u r e m e n t m e t h o d “ V a lu e a t R is k ” V a R w h ic h is m o r e ris k s e n s it iv e , is a ls o u s e d fo r m e a s u r in g C u rr e n cy R is k E x p o s u re . A s p a r t o f M a r k e t R is k M a n a g e m e n t P r o c e s s , m a r k e t ris k lim it s o n t r a d in g b o o k a r e m o n it o r e d a n d r e p o r t e d t o m a n a g e m e n t o n d a ily b a s is . T h e fo llo w in g t a b le s r e p r e s e n t B a n k ’ s N e t O p e n P o s i t io n a s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 w h ic h a r e a s fo llo w s : 2 0 0 9 i n M i l l i o n R u p i a h F o r e ig n C u r r e n c i e s A s s e t a n d A d m in is t r a t iv e A s s e t A c c o u n t s L ia b ilit ie s a n d A d m in is tr a t iv e L i a b i li ti e s A c c o u n t s N e t O p e n P o s it io n U n it e d S ta t e s D o lla r 1 ,2 4 4 ,3 4 1 1 ,1 6 4 ,1 2 2 8 0 ,2 1 9 E u r o 4 ,1 9 1 8 8 9 3 ,3 0 2 J a p a n e s e Y e n 1 ,8 5 0 2 6 1 ,8 2 4 A u s tr a lia n D o lla r 2 6 8 - - 2 6 8 S in g a p o re D o lla r 6 7 4 - - 6 7 4 P o u n s t e r lin g 4 - - 4 N e t 1 ,2 5 1 ,3 2 8 1 ,1 6 5 ,0 3 7 8 6 ,2 9 1 P e r c e n ta g e to C a p it a l 7 .5 0 332 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 2 3 5 . R I S K M A N A G E M E N T C o n t i n u e d 2 0 0 8 i n M i l l i o n R u p i a h F o r e ig n C u r r e n c i e s A s s e t a n d A d m in is t r a t iv e A s s e t A c c o u n t s L ia b ilit ie s a n d A d m in is tr a t iv e L i a b i li ti e s A c c o u n t s N e t O p e n P o s it io n U n it e d S ta t e s D o lla r 6 8 8 ,7 2 2 4 5 2 ,9 7 0 2 3 5 ,7 5 2 E u r o 6 ,6 1 7 3 0 7 6 ,3 1 0 J a p a n e s e Y e n 4 9 ,6 0 4 4 7 ,3 5 7 2 ,2 4 7 A u s tr a lia n D o lla r 2 7 7 - - 2 7 7 S in g a p o re D o lla r 8 1 3 - - 8 1 3 H o n g k o n g D o lla r - - - - - - N e t 7 4 6 ,0 3 3 5 0 0 ,6 3 4 2 4 5 ,3 9 9 P e r c e n ta g e to C a p it a l 9 .7 5 I n a c c o r d a n c e w it h P B I N o . 7 3 7 P B I 2 0 0 5 , th e o v e r a ll N e t O p e n P o s it io n a s a t t h e c lo s in g o f b u s in e s s d a y a g a in s t ca p ita l a s a t 3 1 D e c e m b e r 2 0 0 9 d a n 2 0 0 8 a re 7 .5 0 d a n 9 .7 5 re s p e c tiv e ly. O p e r a tio n a l R i s k G e n e ra lly O p e ra tio n a l R is k c a lc u la tio n c o n s is ts o f th r e e m e th o d s . T h e s e m e th o d s a r e b a s i c in d ic a t o r a p p ro a c h st a n d a rd a p p ro a c h , a n d a d v a n c e m e a s u r e m e n t a p p r o a c h . G r a d u a lly B a n k w ill im p r o v e th e m e th o d s t a rt in g fr o m s im p le u n t il c o m p le x m e t h o d . O p e r a t io n a l r is k c o n t r o l w a s p e r fo r m e d b y d is t r ib u t io n o f lim it o f a u t h o r it y , p a s s w o r d , D a t a R e c o v e r y C e n t e r D R C b u ilt u p a n d s e g r e g a t e fu n ct io n b e tw e e n c h e c k e r , m a k e r a n d a p p ro v a l. T h e p r e v e n t iv e a c t io n is e x p e c t e d to m it ig a t e t h e o p e r a t io n a l ris k m o r e p r o p e r ly . L i q u i d i t y R is k L iq u id it y ris k is m a n a g e d b y c o n s id e r in g im p o r ta n t ris k s re la t e d to B a n k ’s liq u id c a p a b ilit y , s u c h a s : L D R , M in im u m R e s e rv e R e q u ir e m e n ts G W M , ra t io o f liq u id a s s e t s to liq u id lia b ilit ie s , c a s h flo w p ro je c t io n , a n d m a t u r ity p r o file . C a s h flo w is th e m a in fo cu s in liq u id it y ris k m a n a g e m e n t. T h e re fo re , in p r o je c t in g c a s h flo w , B a n k tr ie s t o c a lc u la t e in o p t im a l w a y b y c o n s id e r in g in s t r u m e n t a s p e c t s w h e t h e r c o n t r a c t u a l o r b e h a v io u r a l. Laporan Tahunan 2009 Annual Report 333 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 3 3 5 . R I S K M A N A G E M E N T C o n t i n u e d L a w R i s k T h e m a in la w ris k is w e a k n e s s o f a g r e e m e n t d u e to c o n t r a c t c o n d itio n is n o t fu lfille d . T o h a n d le th is p r o b le m , B a n k h a s e s t a b lis h e d C o rp o r a t e S e c r e t a r y G r o u p t h a t h a s a u n it to h a n d le c o n tr a c t a n d a g r e e m e n t p r o b le m . F o r lit ig a t io n p r o b le m , R is k M a n a g e m e n t G r o u p h a s a d iv is io n th a t h a n d le s lit ig a t io n p r o b le m . S t r a t e g ic R i s k S t r a t e g ic ris k is c la s s ifie d a s m o d e r a t e , a s tr a t e g y th a t h a s b e e n d e c id e d a n d im p le m e n t e d w e ll. S tr a te g ic ris k m a n a g e m e n t is im p le m e n t e d b y m o n it o rin g b u s in e s s p la n a n d it s re a liz a tio n . B a n k h a s R is k M a n a g e m e n t C o m m it t e e to h a n d le s tr a t e g ic a n d s ig n ific a n t ris k s . R e p u t a t io n R is k T h e re p u t a t io n ris k is m a n a g e d b y p a y in g a t t e n t io n to c u s t o m e r c o m p la in t a n d re s p o n d in g e v e r y n e w s w h ic h c a n m a k e n e g a t iv e im p a c t to t h e B a n k . T o in c r e a s e t h e s o cia l im a g e , t h e B a n k a t t e m p ts t o g iv e o p t im a l s e rv ic e t o c u s t o m e r. T h is is th r o u g h v a rio u s e ffo rt s u c h a s e d u c a tio n to t h e e m p lo y e e w it h o f e x c e lle n t s e rv ic e t r a in in g . C o m p l ia n c e R i s k T h e c o m p lia n c e ris k m a n a g e m e n t is c o n d u c t e d b y m o n it o r in g a ll lo a n a g r e e m e n t a n d c o m m it m e n t a n d e n s u rin g th a t th e B a n k h a s c o m p lie d w it h th e re g u la t io n . T h e B a n k ’s c o m p lia n c e r is k p r e s s e s d o w n th e c h a n c e o f d e v ia t io n fr o m a g r e e m e n t a n d c o n t ra c t s . 3 6 . C A P I T A L A D E Q U A C Y R A T I O B a n k In d o n e s ia ’s R e g u la t io n N o .3 2 1 P B I 2 0 0 1 d a t e d D e c e m b e r 1 3 , 2 0 0 1 re q u ire s th e b a n k s in I n d o n e s ia to m a in ta in a m in im u m c a p it a l a d e q u a c y ra t io o f 8 . T h e c a p it a l a d e q u a c y ra tio is c a lc u la te d b a s e d o n th e C ir c u la r L e tt e r o f B a n k In d o n e s ia N o .5 2 3 D P N P d a t e d S e p te m b e r 2 9 , 2 0 0 3 . 334 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 4 3 6 . C A P I T A L A D E Q U A C Y R A T I O C o n t i n u e d A s o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 , t h e B a n k ’ s m i n i m u m c a p it a l a d e q u a c y r a t io in c o m p lia n c e w it h B a n k In d o n e s ia ’ s r e g u la t io n a r e a s fo llo w s : 2 0 0 9 I n M illio n R u p ia h 2 0 0 8 I n M illio n R u p ia h C o m p o s it io n o f C a p it a l A . C o r e C a p it a l P a id - I n -C a p it a l 6 0 0 ,3 2 5 6 0 0 ,3 2 5 A d d it io n a l P a id - in -C a p it a l 2 2 4 ,1 9 0 1 1 0 ,7 8 7 S u b T o ta l 8 2 4 ,5 1 5 7 1 1 ,1 1 2 B . S u p p le m e n t a ry C a p it a l A llo w a n ce fo r P o s s ib le L o s s e s o n E a r n in g A s s e ts 8 6 ,7 7 5 7 8 ,1 6 5 S u b o rd in a te d L o a n s 2 5 8 ,8 1 8 3 2 3 ,4 5 5 I n c r e a s e in S e c u r it ie s o n A v a ila b le F o r S a le P o r t fo lio - - - - S u b T o ta l 3 4 5 ,5 9 3 4 0 1 ,6 2 0 M a x im u m o f 1 0 0 o f C o re C a p it a l 3 4 5 ,5 9 3 4 0 1 ,6 2 0 T o ta l C o r e a n d S u p p le m e n ta r y C a p it a l 1 ,1 7 0 ,1 0 8 1 ,1 1 2 ,7 3 2 I n v e s t m e n ts in S h a r e s o f S to c k s 9 2 7 9 2 7 T o ta l C a p it a l 1 ,1 6 9 ,1 8 1 1 ,1 1 1 ,8 0 5 R is k W e ig h te d A s s e t s A T M R C r e d i t 7 ,7 2 5 ,6 9 0 6 ,7 1 0 ,5 3 0 R is k W e ig h te d A s s e t s A T M R M a r k e t 8 3 4 ,2 0 9 1 ,7 4 1 ,5 7 5 C a p it a l A d e q u a c y R a t io w it h cr e d it R is k 1 5 .1 3 1 7 .2 1 C a p it a l A d e q u a c y R a t io w it h C r e d it R is k a n d M a r k e t R is k 1 3 .6 7 1 3 .6 6 B a s e d o n P B I N o .3 2 1 P B I 2 0 0 1 d a te d D e c e m b e r 1 3 , 2 0 0 1 , c a p it a l a d e q u a c y r a tio s h o u ld b e c o m p u t e d e x c lu d in g t h e e f fe c t o f d e f e r re d ta x . Laporan Tahunan 2009 Annual Report 335 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 5 3 7 . I M P O R T A N C E F I N A N C I A L R A T I O S a . T h e fo l l o w i n g t a b le p re s e n ts th e ra t io o f th e B a n k ’s e a r n in g a s s e t s b e fo r e th e a llo w a n c e fo r p o s s ib le lo s s e s t o t o t a l a s s e t s : 2 0 0 9 2 0 0 8 C u rr e n t a c c o u n ts w ith o th e r b a n k s , E x c lu d in g N o n - P e r fo r m in g A c c o u n t s 1 .6 8 0 .3 4 P la c e m e n ts w ith O th e r B a n k s a n d B a n k In d o n e s ia , E x c lu d in g N o n - P e r fo r m in g A c c o u n t s 1 3 .8 1 4 .8 8 S e c u rit ie s , E x c lu d in g N o n P e r fo r m in g A c c o u n t s 2 9 .1 8 3 7 .0 1 L o a n s , E x c lu d in g N o n P e r fo r m in g A c c o u n t s 4 3 .0 1 4 5 .4 9 I n v e s t m e n t in S h a r e s o f S to c k , E x c lu d in g N o n P e r fo r m in g A c c o u n t s 0 .0 1 0 .0 1 T o t a l E a r n in g A s s e t s 8 7 .6 9 8 5 .6 4 b . O t h e r s I m p o r t a n t F in a n c ia l R a t io : 2 0 0 9 2 0 0 8 N o n P e rfo r m in g L o a n N P L B a n k - N e t 3 .2 6 2 .0 5 N o n P e rfo r m in g L o a n N P L B a n k -G r o s s 5 .7 6 4 .9 2 O p e r a t io n a l E x p e n s e s o n O p e r a t io n a l In co m e B O P O 8 8 .4 6 8 9 .7 1 N e t In te r e s t M a r g in N I M 6 .1 4 6 .2 2 R e t u r n O n A s s e t s R O A 1 .4 1 1 .4 1 R e t u rn O n E q u it y R O E 1 7 .0 0 1 5 .0 4 N e t O p e n P o s it io n N O P 7 .5 0 9 .7 5 L o a n to D e p o s it R a t io L D R 5 7 .2 5 6 6 .9 8 3 8 . G O V E R N M E N T G U A R A N T E E O N O B L I G A T I O N S O F C O M M E R C I A L B A N K S T h ro u g h th e R e g u la t io n o f th e M in is t e r o f F i n a n c e o f th e R e p u b lic o f In d o n e s ia N o .1 7 P M K . 0 5 2 0 0 5 d a t e d M a r c h 3 , 2 0 0 5 , t h e G o v e rn m e n t G u a r a n te e P r o g r a m is e n d e d o n S e p t e m b e r 2 1 , 2 0 0 5 . F o llo w in g t h a t , b a s e d o n th e L a w N o . 2 4 o f 2 0 0 4 , d a t e d S e p t e m b e r 2 2 , 2 0 0 4 r e g a r d in g D e p o s it I n s u r a n c e A g e n c y L P S , t h e L P S G u a r a n t e e P r o g r a m w o u ld s ta r t e f fe c t iv e ly o n S e p t e m b e r 2 2 , 2 0 0 5 . A ll b a n k s th a t h a v e b u s in e s s lic e n s e s a r e m e m b e r s o f L P S G u a r a n t e e P r o g r a m . 336 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 6 3 9 . B U S I N E S S S E G M E N T I N F O R M A T I O N 2009 Non Sharia Sharia Total ASSETS Cash and Cash Equivalents 526,875,675,875 2,439,147,800 529,314,823,675 526,875,675,875 2,439,147,800 529,314,823,675 Placements with Other Banks and Bank Indonesia 3,011,706,935,191 41,532,751,697 3,053,239,686,888 Allowance for Possible Losses 13,504,983,439 -- 13,504,983,439 2,998,201,951,752 41,532,751,697 3,039,734,703,449 Securities-Rupiah Trading 1,095,361,624,998 -- 1,095,361,624,998 Held-to-Maturity 3,281,711,203,180 5,000,000,000 3,286,711,203,180 Securities Foreign Currencies Held-to-Maturity 95,470,628,195 -- 95,470,628,195 Allowance for Possible Losses 7,665,181,873 40,000,000 7,705,181,873 4,464,878,274,500 4,960,000,000 4,469,838,274,500 Loans Rupiah 6,352,419,199,253 651,085,900,700 7,003,505,099,953 Foreign Currencies -- -- -- Allowance for Possible Losses 227,984,385,630 5,701,574,759 233,685,960,389 6,124,434,813,623 645,384,325,941 6,769,819,139,564 Accrued Income 151,332,933,905 116,849,997 151,449,783,902 Other Assets 11,601,386,002 5,236,578,934 16,837,964,936 162,934,319,907 5,353,428,931 168,287,748,838 TOTAL ASSETS 14,277,325,035,657 699,669,654,369 14,976,994,690,026 LIABILITIES Demand Deposits Rupiah 5,953,062,521,186 34,410,456,484 5,987,472,977,670 Foreign Currencies 206,131,774,188 -- 206,131,774,188 Saving Deposits 2,293,087,906,211 67,712,174,975 2,360,800,081,186 Time Deposits Rupiah 3,406,398,971,629 272,535,414,077 3,678,934,385,706 Foreign Currencies 832,212,952 -- 832,212,952 Deposits from Customers 11,859,513,386,166 374,658,045,536 12,234,171,431,702 Borrowing Rupiah 210,307,724,494 -- 210,307,724,494 Accruals and Other Liabilities 54,685,810,210 106,854,026,637 161,539,836,847 TOTAL LIABILITIES 12,124,506,920,870 481,512,072,173 12,606,018,993,043 Laporan Tahunan 2009 Annual Report 337 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 7 3 9 . B U S I N E S S S E G M E N T I N F O R M A T I O N C o n t i n u e d 2009 Non Sharia Sharia Total INCOME Interest Income Rupiah 1,520,529,208,574 59,149,849,768 1,579,679,058,342 Foreign Currencies 8,247,156,700 -- 8,247,156,700 Fees and Commissions Rupiah 73,284,334,348 -- 73,284,334,348 Interest Income 1,602,060,699,622 59,149,849,768 1,661,210,549,390 Fees and Commissions-Net 16,187,641,391 -- 16,187,641,391 Other Income Expenses 16,187,641,391 -- 16,187,641,391 TOTAL INCOME 1,618,248,341,013 59,149,849,768 1,677,398,190,781 2008 Non Sharia Sharia Total ASSETS Cash and Cash Equivalents 396,172,787,312 1,418,405,850 397,591,193,162 396,172,787,312 1,418,405,850 397,591,193,162 Placements with Other Banks and Bank Indonesia 1,191,451,389,111 17,385,895,385 1,208,837,284,496 Allowance for Possible Losses 7,268,733,895 -- 7,268,733,895 1,184,182,655,216 17,385,895,385 1,201,568,550,601 Securities-Rupiah Trading 1,675,914,888,514 -- 1,675,914,888,514 Held-to-Maturity 3,222,974,469,657 5,000,000,000 3,227,974,469,657 Securities Foreign Currencies Held-to-Maturity 110,224,844,009 -- 110,224,844,009 Allowance for Possible Losses 8,668,369,187 40,000,000 8,708,369,187 5,000,445,832,993 4,960,000,000 5,005,405,832,993 Loans Rupiah 5,859,477,517,568 452,073,923,819 6,311,551,441,387 Foreign Currencies -- 293,786,885,770 293,786,885,770 Allowance for Possible Losses 204,273,562,363 153,590,212,615 357,863,774,978 5,655,203,955,205 592,270,596,974 6,247,474,552,179 Accrued Income 178,289,800,002 57,849,998 178,347,650,000 Other Assets 25,082,659,694 345,953,126 25,428,612,820 203,372,459,696 403,803,124 203,776,262,820 TOTAL ASSETS 12,439,377,690,422 616,438,701,333 13,055,816,391,755 338 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 8 3 9 . B U S I N E S S S E G M E N T I N F O R M A T I O N C o n t i n u e d 2008 Non Sharia Sharia Total LIABILITIES Demand Deposits Rupiah 5,442,508,134,013 22,872,871,963 5,465,381,005,976 Foreign Currencies 27,010,557,610 -- 27,010,557,610 Saving Deposits 2,080,850,017,345 49,323,812,326 2,130,173,829,671 Time Deposits Rupiah 1,908,624,751,310 146,406,836,452 2,055,031,587,762 Foreign Currencies 1,303,801,429 -- 1,303,801,429 Deposits from Customers 9,460,297,261,707 218,603,520,741 9,678,900,782,448 Borrowing Rupiah 286,535,199,057 -- 286,535,199,057 Accruals and Other Liabilities 138,003,370,132 20,411,235,936 158,414,606,068 TOTAL LIABILITIES 9,884,835,830,896 239,014,756,677 10,123,850,587,573 INCOME Interest Income Rupiah 1,340,188,822,377 25,227,379,162 1,365,416,201,539 Foreign Currencies 1,064,067,089 24,591,000,000 25,655,067,089 Fees and Commissions Rupiah 33,965,639,935 -- 33,965,639,935 Interest Income 1,375,218,529,401 49,818,379,162 1,425,036,908,563 Fees and Commissions-Net 12,695,327,900 -- 12,695,327,900 Other Income Expenses 12,695,327,900 -- 12,695,327,900 TOTAL INCOME 1,387,913,857,301 49,818,379,162 1,437,732,236,463 Laporan Tahunan 2009 Annual Report 339 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 6 9 4 0 . A N A L Y S I S O F A S S E T S , L I A B I L I T I E S B A S E D O N R E M A I N I N G M A T U R I T I E S T h e t a b le b e lo w p r e s e n ts t h e b a n k ’s a s s e t s a n d lia b ilit ie s a re g ro u p e d b a s e d o n t h e re m a in in g p e rio d fr o m d a t e o f D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 u n t il m a t u r it y . 2009 Amount 1 month 1 to 3 moth 3 to 12 months 1 to 5 years 5 years Asset Cash 529,314,823,675 529,314,823,675 -- -- -- -- Current Account With Bank Indonesia 671,307,425,872 671,307,425,872 -- -- -- -- Current Account With Other Bank 262,813,740,030 262,813,740,030 -- -- -- -- Placements with Other Bank and Bank Indonesia 2,119,118,520,986 2,019,118,520,986 100,000,000,000 -- -- -- Securities 4,477,543,456,373 974,574,175,397 110,203,463,771 159,003,764,176 1,050,672,812,461 2,183,089,240,568 Reverse Repo 148,040,334,915 148,040,334,915 -- -- -- -- Loans 7,003,505,099,953 -- -- 821,286,028,230 6,182,219,071,723 -- Investments In Shares of Stocks 926,600,000 -- -- -- -- 926,600,000 Fixed Asset 318,794,836,746 -- -- -- -- 318,794,836,746 Deferred Tax Assets 22,928,618,151 -- -- 22,928,618,151 -- -- Prepaid Tax 1,228,771,982 -- 1,228,771,982 -- -- -- Accrued Income 151,449,783,902 151,449,783,902 -- -- -- -- Prepaid Expense 10,310,541,337 10,310,541,337 -- -- -- -- Other Assets 16,837,964,936 15,686,954,758 -- -- 1,151,010,178 -- Total Assets 15,734,120,518,858 4,782,616,300,872 211,432,235,753 1,003,218,410,557 7,234,042,894,362 2,502,810,677,314 Liabilities Current Liabilities 348,175,713,196 348,175,713,196 -- -- -- -- Deposits From Customers 12,234,171,431,701 10,499,525,186,503 900,934,274,905 833,711,970,293 -- -- Deposits From Other Bank 700,473,654,249 557,011,720,131 142,511,934,118 950,000,000 -- -- Securities Issued 747,280,862,371 -- -- -- 423,462,492,294 323,818,370,077 Borrowing 210,307,724,494 -- -- -- 98,022,418,408 112,285,306,086 Taxes Payable 27,486,631,248 27,486,631,248 -- -- -- -- Estimated Losses on Commitments and Contingencies 4,887,777,860 4,887,777,860 -- -- -- -- Employee Liabilities Benefit -- -- -- -- -- -- Accruals and Other Liabilities 161,539,836,847 116,432,391,004 26,607,445,843 -- -- 18,500,000,000 Total Liabilities 14,434,323,631,966 11,553,519,419,942 1,070,053,654,866 834,661,970,293 521,484,910,702 454,603,676,163 The Excess of Assets with Liabilities 1,299,796,886,892 6,770,903,119,070 858,621,419,113 168,556,440,264 6,712,557,983,660 2,048,207,001,151 340 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 0 4 0 . A N A L Y S I S O F A S S E T S , L I A B I L I T I E S B A S E D O N R E M A I N I N G M A T U R I T I E S C o n t i n u e d 2008 Amount 1 month 1 to 3 month 3 to 12 months 1 to 5 years 5 years Asset Cash 397,591,193,162 397,591,193,162 -- -- -- -- Currents Accounts With Bank Indonesia 501,322,580,385 501,322,580,385 -- -- -- -- Currents Accounts With Other Banks 45,783,934,955 45,783,934,955 -- -- -- -- Placements With Other Banks and Bank Indonesia 661,730,769,156 660,381,069,156 1,349,700,000 -- -- -- Securities 5,014,114,202,180 -- -- 182,031,829,266 670,237,527,932 4,161,844,844,982 Reverse Repo 277,151,136,620 277,151,136,620 -- -- -- -- Loans 6,477,383,045,505 -- -- 913,666,436,006 5,563,716,609,499 -- Investments In Shares of Stocks 926,600,000 -- -- -- -- 926,600,000 Fixed Assets 292,105,798,156 -- -- -- -- 292,105,798,156 Deferred Tax Assets 20,800,287,825 -- -- -- -- 20,800,287,825 Prepaid Tax 6,032,566,180 -- -- -- 6,032,566,180 -- Accrued Income 178,347,650,000 178,347,650,000 -- -- -- -- Prepaid Expense 14,992,801,471 14,992,801,471 -- -- -- -- Other Assets 25,428,612,820 22,209,857,533 3,218,755,287 Total Assets 13,913,711,178,415 2,097,780,223,282 1,349,700,000 1,095,698,265,272 6,243,205,458,898 4,475,677,530,963 Liabilities Current Liabilities 334,024,568,972 334,024,568,972 -- -- -- -- Deposits From Customers 9,678,900,782,449 9,133,954,947,851 341,514,980,311 203,430,854,287 -- -- Deposits From Other Bank 1,047,330,383,803 1,044,960,383,803 2,370,000,000 -- -- -- Securities Issued 1,192,132,491,543 -- 446,500,000,000 422,177,699,902 323,454,791,641 Borrowing 286,535,199,057 -- -- -- 286,535,199,057 -- Taxes Payable 34,046,031,895 16,026,661,804 18,019,370,091 -- -- -- Estimated Losses on Commitments and Contingencies 3,454,729,609 -- 3,454,729,609 -- -- Employee Liabilities Benefits -- -- -- -- -- -- Accruals and Other Liabilities 158,414,606,068 -- 158,414,606,068 -- -- -- Total Liabilities 12,734,838,793,396 10,528,966,562,430 520,318,956,470 653,385,583,896 708,712,898,959 323,454,791,641 The Excess of Assets with Liabilities 1,178,872,385,019 8,431,186,339,148 518,969,256,470 442,312,681,376 5,534,492,559,939 4,152,222,739,322 T h e e ffo r t m a d e b y t h e B a n k t o o v e r c o m e t h e m a t u r it y g a p s a r e fo llo w s : 1 . R e d u c e c a p it a l in v e s t m e n t in t h e s e c u r it ie s p o r t fo lio in v e s t m e n t lo n g t e r m . 2 . F in d in g th e s o u rc e o f th e m e d iu m a n d lo n g t e r m fu n d s , a m o n g o th e r s , b y is s u in g n e w b o n d s o r s e e k in g a n e w lo n g - t e r m m e d iu m in t e r b a n k lo a n s . Laporan Tahunan 2009 Annual Report 341 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 1 4 1 . P R O S P E C T I V E A C C O U N T I N G P R O N O U N C E M E N T A N D O T H E R R E G U L A T I O N S T h e fo llo w in g s u m m a r iz e s t h e r e v i s e d S t a t e m e n t s o f F i n a n c i a l A c c o u n t in g S t a n d a r d s P S A K w h ic h w e r e is s u e d b y th e In d o n e s ia n In s t it u te o f A c c o u n ta n ts a n d w ill ta k e e ffe c t a ft e r D e c e m b e r 3 1 , 2 0 0 9 : a . P S A K N o . 5 0 R e v is io n o f 2 0 0 6 , “ F in a n cia l I n s t r u m e n ts : P r e s e n ta t io n a n d D is c lo s u re s “ c o n ta in s t h e r e q u ir e m e n t s f o r t h e p re s e n t a tio n o f f in a n c ia l s t a te m e n t s a n d id e n t ifie s th e in fo rm a tio n th a t s h o u ld b e d is c lo s e d . T h e p r e s e n t a t io n r e q u ir e m e n t , fr o m t h e p e r s p e c t iv e o f t h e is s u e r , in t o fin a n c i a l a s s e t s , fin a n c i a l lia b ilit ie s , a n d e q u it y in s t r u m e n t ; t h e c la s s ific a t io n o f r e la t e d in t e r e s t , d iv id e n d s , lo s s e s a n d g a in s ; a n d t h e c ir c u m s ta n c e s in w h ic h fin a n c ia l a s s e ts a n d fin a n c ia l lia b ilit ie s s h o u ld b e o f fs e t . T h is s t a n d a r d r e q u ir e s t h e d is c lo s u r e , a m o n g o t h e r s , o f in fo r m a t io n a b o u t fa c t o r s t h a t a ffe c t th e a m o u n t , tim in g a n d c e rt a in t y o f a n e n t it y ’s fu t u r e c a s h f l o w r e l a t in g to fin a n c ia l in s t r u m e n ts a n d t h e a c c o u n t in g p o lic ie s a p p lie d to th o s e in s t r u m e n t. P S A K 5 0 R e v i s e d 2 0 0 6 s u p e r c e d e s P S A K N o . 5 0 “ A c c o u n t in g fo r C e r t a in I n v e s t m e n t in S e c u r it ie s ” a n d is a p p lie d p ro s p e c t iv e ly fo r th e p e r io d s b e g in n in g o n o r a ft e r J a n u a ry 1 , 2 0 1 0 . E a r lie r a p p lic a tio n is p e rm it t e d a n d s h o u ld b e d is c lo s e d . b . P S A K N o . 5 5 R e v is io n o f 2 0 0 6 . “ F in a n c ia l In s t r u m e n t : R e c o g n it io n a n d M e a s u r e m e n t fi n a n c ia l a s s e t s , fin a n c i a l lia b ilit ie s , a n d s o m e c o n t r a c t s t o b u y o r s e ll n o n - fin a n c i a l it e m s . T h is s t a n d a r d p r o v id e s fo r t h e d e fin it io n s a n d it e m s . T h is s t a n d a r d s p r o v id e s fo r t h e d e fin it io n s a n d c h a r a c te r is t ic s o f a d e riv a t iv e s , th e c a t e g o r ie s o f fin a n c ia l in s t r u m e n t, re c o g n i t io n a n d m e a s u r e m e n t , h e d g e a c c o u n t in g a n d d e te rm in a tio n o f h e d g in g r e la tio n s h ip , a m o n g o th e rs . P S A K N o . 5 5 R e v is io n o f 2 0 0 6 s u p e rc e d e s P S A K N o . 5 5 “ A c c o u n t in g fo r D e r iv a t iv e s In s t r u m e n ts a n d H e d g in g A c t iv it ie s ” , a n d is a p p lie d p r o sp e c tiv e ly fo r fin a n c ia l s t a te m e n t c o v e rin g t h e p e r io d s b e g in n in g o n o r a ft e r J a n u a ry 1 , 2 0 1 0 . E a rlie r a p p lic a tio n is p e rm it t e d a n d s h o u ld b e d is c lo s e d . c . R e v o c a t io n o f S t a t e m e n t o f F in a n c ia l A c c o u n t in g S t a n d a r d P P S A K N o .4 , R e v o c a t io n o f P S A K N o .3 1 : “A c c o u n t in g B a n k in g I n d u s t r y ” , a n d P S A K N o .4 9 : “A c c o u n t in g fo r M u t u a l F u n d s ” a p p lie s t o a ll e n tit ie s th a t a d o p t P S A K 3 1 R e v is e d 2 0 0 0 , P S A K N 0 .4 2 a n d P S A K N o . 4 9 . E ffe c t iv e o n o r a ft e r J a n u a ry 1 , 2 0 1 1 : a . P S A K N o . 1 R e v is e d 2 0 0 9 , P r e s e n ta tio n o f F in a n c ia l S ta t e m e n t” , p r e s c r ib e s th e b a s is fo r p re s e n ta tio n o f g e n e ra l p u rp o s e fin a n c ia l sta te m e n ts t o e n s u re c o m p a ra b ility b o th w ith th e e n tity ’s fin a n c ia l s t a t e m e n t s o f p r e v io u s p e r io d s a n d w it h th e fin a n c ia l s t a t e m e n t s o f o t h e r e n t it ie s . b . P S A K N o . 2 R e v is e d 2 0 0 9 , “S ta t e m e n ts “S ta t e m e n ts o f C a s h F lo w s ” , re q u ir e s th e p ro v is io n o f in fo r m a t io n a b o u t t h e h is to r ic a l c h a n g e s in c a s h a n d e q u iv a le n t s b y m e a n s o f a s t a t e m e n t s o f c a s h flo w s w h ic h cla s s ifie s c a s h flo w s d u rin g th e p e rio d in to o p e r a t in g , in v e s t in g a n d fin a n c in g a c t iv it ie s . c . P S A K N o . 4 R e v is e d 2 0 0 9 , “C o n s o lid a t e d a n d S e p a r a te F in a n c ia l S t a te m e n t s ” , s h a ll b e a p p lie d in t h e p re p a ra tio n a n d p re s e n t a tio n o f c o n s o lid a t e d fin a n c ia l s t a te m e n t s fo r a g ro u p o f e n t it ie s u n d e r t h e c o n t r o l o f a p a r e n t a n d in a c c o u n t in g fo r in v e s t m e n t s in s u b s id ia rie s , jo in t ly c o n t r o lle d e n t it ie s a n d a s s o cia te s w h e n s e p a ra te fin a n c ia l s t a te m e n t s a r e p re s e n t e d a s a d d it io n a l in fo r m a t io n . 342 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 2 4 1 . P R O S P E C T I V E A C C O U N T I N G P R O N O U N C E M E N T A N D O T H E R R E G U L A T I O N S C o n t i n u e d d . P S A K N o . 5 R e v is e d 2 0 0 9 , “ O p e r a t in g S e g m e n t s ” . S e g m e n t in fo r m a t io n in d is c lo s e d to e n a b le u s e rs o f fin a n c ia l s t a te m e n t s to e v a lu a te th e n a t u r e a n d fin a n c ia l e ffe c t s o f t h e b u s in e s s a c t iv it ie s in w h ic h t h e e n t it y e n g a g e s a n d th e e c o n o m ic s e n v ir o n m e n t s in w h ic h it o p e r a t e s . e . P S A K N o . 4 8 R e v i s e d 2 0 0 9 , “ I m p a ir m e n t o f A s s e t s ” , p r e s c r ib e s t h e p r o c e d u r e s a p p lie d t o e n s u r e t h a t a s s e ts a r e c a rr ie d a t n o m o re t h a n th e ir re c o v e ra b le a m o u n t a n d if th e a s s e ts a r e im p a ir e d , a n d im p a ir m e n t lo s s s h o u ld b e re c o g n iz e d . f. P S A K N o . 5 7 R e v i s e d 2 0 0 9 , P r o v i s io n s , C o n t in g e n t L i a b ilit ie s a n d C o n t in g e n t A s s e t s ” , a im s t o r e g u la t e th e re c o g n it io n a n d m e a s u r e m e n t o f e s t im a t e d lia b ilit ie s , c o n tin g e n t lia b ilit ie s a n d c o n t in g e n t a s s e ts a n d t o e n s u r e t h a t s u ffic ie n t in fo rm a tio n is d is c lo s e d in th e n o te s to fin a n c ia l s t a t e m e n ts to e n a b le u s e r s to u n d e r s t a n d th e n a t u re , tim in g a n d a m o u n t re la t e d to th e in fo r m a t io n . A s a llo w e d u n d e r th e B a n k In d o n e s ia C ir c u la r Le t t e r S E - B I N o . 1 1 3 3 D P N P d a t e d D e c e m b e r 8 , 2 0 0 9 , t h e in it ia l a p p lic a t io n fo r p u rp o s e o f P S A K N o . 5 0 a n d N o . 5 5 , th e B a n k w ill a p p ly th e tr a n s it io n r u le fo r c o lle c t iv e im p a ir m e n t c a lc u la tio n o n lo a n s b a se d o n t h e p re v a ilin g B a n k I n d o n e s ia r e g u la tio n o n A s s e t Q u a lit y R a t in g s fo r C o m m e r c ia l B a n k s . B a s e d o n t h e a fo r e m e n t io n e d S E -B I, t h e t r a n s it io n r u l e f o r c o lle c t iv e im p a ir m e n t c a lc u la t io n o n lo a n s c a n b e a p p lie d u n t il D e c e m b e r 3 1 , 2 0 1 1 . O t h e r R e g u la t io n T h e m in is t r y o f F i n a n c e o f R e p u b lic I n d o n e s ia re le a s e d F in a n c e M in is t e r R e g u la t io n N o . 1 6 P M K . 0 3 2 0 1 0 d a te d J a n u a ry 2 5 , 2 0 1 0 r e g a r d in g T h e P r o c e d u r e s o f W it h h o ld in g T a x o n A r t ic le 2 1 fo r In c o m e a s S e v e r a n c e , P e n s io n B e n e fit s , O ld A g e A llo w a n ce , O ld A g e S e c u r it y a n d p a id a t o n c e , s t a t e d th a t in c o m e s p a y m e n t fo r jo b t e r m in a t io n fu n d , p e n s io n fu n d , o ld d a y b e n e fit s th a t fu lly p a id w it h t h e a m o u n t m o r e th a n R p 5 0 ,0 0 0 ,0 0 0 a re s u b je c t e d p ro g r e s s iv e in c o m e ta x a m o u n t in g to 5 , 1 5 a n d 2 5 . 4 2 . S U B S E Q U E N T E V E N T S a . B a s e d o n th e G e n e r a l M e e t in g E x t r a o r d in a r y S h a r e h o ld e r s o n J a n u a r y 1 4 , 2 0 1 0 , w h ic h is d o c u m e n te d in n o ta r ia l d e e d N o . 1 2 d a te d J a n u a ry 1 4 , 2 0 1 0 o f N y . P o e rb a n in g s ih A d i W a r s it o , S . H ., th e c o u n c il u n a n im o u s ly a p p r o v e d t h e m e e t in g : 1 . V a lid a t io n o f S h a r e P a r t ic i p a t io n b y th e G o v e r n m e n t o f S p e c i a l R e g io n a l C a p it a l o f J a k a r t a a m o u n t in g o f R p 1 0 ,8 3 4 ,5 6 2 ,9 5 0 w it h d e t a ils : - A m o u n t in g o f R p 1 0 ,8 3 4 ,0 0 0 ,0 0 0 to a d d it io n a l p a id - in ca p it a l fo r th e fu lfilm e n t o f th e G o v e rn m e n t o f S p e c ia l R e g io n a l C a p it a l o f J a k a rt a . - A m o u n t in g o f R p 5 6 2 ,9 5 0 w a s in c lu d e d a s p a id - u p c a p it a l re s e r v e s . Laporan Tahunan 2009 Annual Report 343 The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 3 4 2 . S U B S E Q U E N T E V E N T S C o n t i n u e d W it h th e a d d it io n o f th e c a p i t a l s t o c k o w n e r s h ip s tr u c tu r e t o b e a s fo llo w s : S h a r e s P e r c e n t a g e A m o u n t R p S e r ie s A S h a r e s M o n u m e n N a s io n a l G o v e rn m e n t o f P r o v in c e D K I J a k a rt a 2 0 0 ,0 0 0 3 2 ,7 2 2 0 0 ,0 0 0 ,0 0 0 ,0 0 0 S e r ie s B S h a re s G o v e rn m e n t o f P r o v in c e D K I J a k a rt a 4 1 0 ,1 5 9 6 7 ,1 1 4 1 0 ,1 5 9 ,0 0 0 ,0 0 0 P D P a s a r J a y a 1 ,0 0 0 0 ,1 7 1 ,0 0 0 ,0 0 0 ,0 0 0 T o t a l 6 1 1 ,1 5 9 1 0 0 6 1 1 ,1 5 9 ,0 0 0 ,0 0 0 2 . T e r m in a t io n o f B o a r d o f D ire c t o r s o f th e B a n k w ith re s p e c t a n d te m p o r a r y a p p o in t m e n t s u n t il t h e B o a rd o f D ir e c t o r s d e te r m in e d th a t th e e n t ir e b o a rd o f d ir e c t o r s d e f in it iv e e x c e p t th a t th e m a r k e t in g d ir e c t o r M u h a m m a d Ir fa n d i , s o t h a t th e c o m p o s it io n o f d ir e c t o r s a r e a s fo llo w s : D ire c to r : W in n y E r w in d ia C o m p lia n c e : A r is A n w a r i D ir e c to r o f F in a n c e : M a m a d S a c h ro n i D ir e c to r o f O p e ra tio n s : Ilh a m y a h J o e n o e s b . B a s e o n th e D ir e c t o r G e n e ra l o f T a x e s D e c r e e N o . K E P -0 0 0 0 8 .P P H W P J .0 6 K P .1 2 3 2 0 1 0 d a te d J a n u a r y 1 8 , 2 0 1 0 , it w a s d e c id e d r e fu n d e x c e s s ta x p a y m e n t s T a x A r t ic le 2 5 2 9 Y e a r 2 0 0 6 is R p 1 ,2 2 8 ,7 7 1 ,9 8 2 o r R p 2 ,1 5 2 ,2 4 3 ,6 0 0 c a lc u la t e d b y t h e in c o m e t a x p a y a b le a r t ic le s 2 3 a n d A r t ic le 4 2 t h e fin a l a m o u n t o f R p 9 2 3 ,4 7 1 ,6 1 8 . c . O n M a r c h 1 0 , 2 0 1 0 t h e B a n k h a s r e c e iv e d p a y m e n t fr o m I n d o v e r B a n k a m o u n t in g t o R p 2 , 6 2 3 , 9 4 5 , 2 1 4 o r E u r o 1 9 3 , 7 5 7 . 3 4 t h r o u g h D e u t s c h e B a n k A G F r a n k f u r t . d . I n c o n n e c t io n w it h th e C ir c u la r L e tt e r o f B a n k In d o n e s ia B I - S E N o . 1 1 3 3 D P N P d a t e d D e ce m b e r 8 , 2 0 0 9 r e g a rd in g th e im p le m e n t a tio n o f P A P I R e v is e d 2 0 0 8 r e la tin g t o a d o p t io n o f P S A K N o . 5 0 R e v is e d 2 0 0 6 , F in a n c ia l In s t r u m e n t s : P r e s e n ta t io n a n d D is c lo s u re , a n d P S A K N o . 5 5 R e v is e d 2 0 0 6 , F in a n c ia l In s t r u m e n t s : R e c o g n itio n a n d M e a s u r e m e n t w h ic h w ill b e a p p lie d p r o s p e c t iv e ly fo r th e p e rio d co m m e n c in g o n J a n u a r y 1 , 2 0 1 0 , t h e B a n k h a s a d o p te d g ra d u a lly a n d p la n n e d b o t h P S A K m a y b e a p p lie d e n tire ly a t th e la t e s t o n D e c e m b e r 3 1 , 2 0 1 1 . B e s id e s , th e B a n k h a s s u b m it t e d it s r e p o r t t h e r e a liz a tio n o f a c t io n p la n im p le m e n t a tio n o f P S A K N o . 5 0 R e v is e d 2 0 0 6 a n d P S A K N o . 5 5 R e v i s e d 2 0 0 6 to B a n k In d o n e s ia in it s le t t e r s N o . 0 3 D I R G P S I 2 0 1 0 d a te d J a n u a ry 2 8 , 2 0 1 0 . 344 Laporan Tahunan 2009 Annual Report The original financial statements are in Indonesian Language. P T B A N K D K I N O T E S T O F I N A N C I A L S T A T E M E N T S F o r th e Y e a r s E n d e d D e c e m b e r 3 1 , 2 0 0 9 a n d 2 0 0 8 E x p re s s e d in R u p ia h , u n le s s o t h e rw is e s t a te d 7 4 4 3 . E C O N O M I C C O N D I T I O N T h e o p e r a t io n o f th e B a n k h a s b e e n a ffe c t e d a n d m a y c o n tin u e t o b e a ffe c t e d in th e fu tu re b y th e e c o n o m ic c o n d it io n s in I n d o n e s ia . D e s p it e r e c e n t im p ro v e m e n t s in k e y e c o n o m ic in d ic a to rs , In d o n e s ia n b a n k s h a v e e n g a g e d in h a n d ica p le n d in g a c tivitie s . E c o n o m ic im p r o v e m e n ts a n d s u s t a in e d re c o v e ry a r e d e p e n d e n t u p o n s e v e ra l fa c t o r s s u c h a s fis c a l a n d m o n e ta ry a c t io n s th a t h a d b e e n a n d w ill b e u n d e r t a k e n b y th e G o v e rn m e n t a n d o th e rs , a c t io n s th a t a r e b e y o n d t h e c o n t r o l o f th e B a n k . 4 4 . T H E P R E S E N T A T I O N O F F I N A N C I A L S T A T E M E N T T h e m a n a g e m e n t o f t h e B a n k is r e s p o n s i b le fo r t h e c o n t e n t a n d p r e s e n t a t io n o f fin a n c i a l s t a t e m e n t s t h a t w e r e c o m p le t e d o n M a r c h 2 5 , 2 0 1 0 . Laporan Tahunan 2009 Annual Report 345 Struktur Organisasi Organizational Structure Pejabat Eksekutif Executive Oficers Produk dan Jasa Product and Services Alamat Kantor Cabang Branch Oficers Address Kantor Bank DKI di Luar Kantor Pusat Bank DKI Ofice Outside Head Ofice Lembaga dan Profesi Penunjang Pasar Modal Capital Market Supporting Institution and Professional Services Data Perusahaan Corporate Data 346 Laporan Tahunan 2009 Annual Report Struktur Organisasi Organizational Structure DIREKSI BOARD OF DIRECTORS KOMITE NOMINASI REMUNERASI REMUNERATION NOMINATION COMMITTEE KOMITE PEMANTAU RISIKO RISK OvERSIgHt COMMIttEE KOMITE AUDIT AUDIT COMMITTEE DEWAN KOMISARIS BOARD OF COMMISSIONERS GRUP AUDIT INTERN INTERNAL AUDIT GROUP RUPS GMS GRUP MORTGAGE HOUSING MORtgAgE HOuSIng gROuP GRUP SYARIAH SHARIA gROuP GRUP KONSUMER CONSUMER GROUP GRUP KOMERSIAL COMERCIAL GROUP DIREKTUR PEMASARAN MARKETING DIRECTOR DIREKTUR KEPATUHAN COMPLIANCE DIRECTOR GRUP PERENCANAAN STRATEGIS STRATEGIC PLANNING GROUP CORPORATE SECRETARY CORPORATE SECRETARY DIREKTUR UTAMA PRESIDENT DIRECTOR UKPN UKPN GRUP QUALITY ASSURANCE QUALITY ASSURANCE GROUP GRUP TEKNOLOGI tECHnOlOgy gROuP GRUP PEMBINAAN CABANG BRAnCH DEvElOPMEnt gROuP DIREKTUR OPERASIONAL OPERATIONAL DIRECTOR GRUP MANAJEMEN RISIKO DAN KEPATUHAN RISK MANAGEMENT AND COMPLIANCE GROUP GRUP SUMBER DAYA MANUSIA HuMAn RESOuRCES gROuP Laporan Tahunan 2009 Annual Report 347 Pejabat Eksekutif Executive Oficers STAF KHUSUS SPECIAL STAFF Supiyanto Pemimpin Grup Audit Intern Internal Audit Group Head Azwir Syamsir Pemimpin grup Perencanaan Strategis Strategic Planning Group Head Masril Mansur Corporate Secretary Corporate Secretary M. Yuslim Huda Akbar Pemimpin grup Manajemen Risiko dan Kepatuhan Head of Risk Management and Compliance Group Enny Rantih Sofyan Pemimpin grup Sumber Daya Manusia Head of Human Resources Group Budi Pudjijono Pemimpin grup Komersial Head of Commercial Group Agus Suryantono Pemimpin grup Konsumer Head of Consumer Group Fermiyanti Pemimpin Grup Mortgage and Housing Head of Mortgage and Housing Group Athouf Ibnu Tama Pemimpin Grup Syariah Sharia Group Head Budi Mulyo Utomo Pemimpin grup Quality Assurance Head of Quality Assurance Group Vacant Pemimpin Grup Teknologi Technology Group Head Daru Wisaksono Pemimpin Grup Pembinaan Cabang Head of Branch Development Group Sudarmadi Pemimpin grup tresuri Head of Treasury Group Amin Widayat Pemimpin grup Supervisi Kredit Head of Credit Supervision Group Syamsudin Pemimpin Grup Pengendalian Keuangan Anggaran Head of Financial Budget Control Group Sri Suwarsini R. Suparman Staf Khusus Direksi Board of Directors’ Special Staff Berdasarkan Keputusan Direksi Bank DKI No. 16 tanggal 3 Februari 2009. Based on Bank DKI Directors’ Decision No. 16 tanggal 3 February 2009. KOMITE KEBIJAKAN KREDIT CREDIT POLICY COMMITTEE KOMITE MANAJEMEN RISIKO RISK MANAGEMENT COMMITTEE ALCO ASSET LIABILITY COMMITTEE DEWAN PENGAWAS SYARIAH SHARIA SuPERvISORy BOARD DIREKTUR KEUANGAN FINANCE DIRECTOR GRUP TRESURI TREASURY GROUP GRUP SUPERVISI KREDIT CREDIT SUPERVISORY GROUP GRUP PENGENDALIAN KEUANGAN ANGGARAN FINANCIAL BUDGET CONTROL GROUP 348 Laporan Tahunan 2009 Annual Report GIRO Giro Rupiah dan Dolar DEPOSITO Deposito Berjangka Rupiah dan Dolar TABUNGAN tabungan Simpeda AtM Bersama tabungan Monas AtM Bersama KREDIT Kredit Investasi Kredit Modal Kerja Kredit Bangun Karya Kredit Sindikasi Kredit usaha Kecil Kredit KuMK Monas Kredit Multiguna KMg Kredit griya Monas Kredit Rumah KPRS RSS Bersubsidi GERAI PAJAK SAMSAT DRIVE THRU KPP PRATAMA BPD NET ONLINE LAYANAN TRANSAKSI DALAM NEGERI Fasilitas perbankan untuk transaksi dalam negeri seperti: - Kiriman uang Ku - Inkaso - Surat Keterangan Bank SKB - Jaminan Bank Bank garansi - Pembayaran gaji Pegawai Pemerintah Provinsi DKI Jakarta - Penerimaan Pembayaran Pajak Bumi dan Bangunan PBB - Pajak-pajak non Import dan Retribusi Daerah - Pembayaran Rekening Tagihan Air melalui Aetra dan Palyja - Pembayaran Rekening listrik - Pembayaran tagihan telpon Rumah telkom, Flexi, telkom vision, Speedy, Kartu Matrix Satelindo, Kartu Halo telkomsel, dan Pembelian pulsa handphone kartu prabayar Satelindo dan telkomsel Produk dan Jasa Products and Services Produk dan Jasa Bank DKI DEMAND DEPOSIT Rupiah and Dollar DEPOSITS Rupiah and Dollar timed Deposit SAVINGS Simpeda Savings AtM Bersama Monas Savings AtM Bersama LOANS Investment loans Working Capital loans Construction loan Syndicated Loan Small Business loans Monas SME loans Multipurpose loans griya Monas loan Mortgage and Housing loan Subsidised Housing loans KPRS RSS TAX PAYMENT SAMSAT DRIVE THRU KPP PRATAMA BPD NET ONLINE DOMESTIC TRANSACTION SERVICES Banking facilities for domestic transactions such as: - Money transfers Ku - Collection - Bank Reference SKB - Bank Guarantee - Salary Payment of DKI Jakarta Provincial Government Employees - Property Tax Payment - Non Import Tax and Regional Retribution - TPJ and Palyja Water Payment - Electric Payment - Home telephone, Flexi, telkom vision, Speedy, Satelindo Matrix gSM Card, telkomsel Halo Card, Pro Xl, Fren, Esia, three Payment Products and Services Bank DKI Laporan Tahunan 2009 Annual Report 349 LAYANAN TRANSAKSI LUAR NEGERI layanan untuk kemudahan kegiatan bisnis di luar negeri, antara lain: - Pembukaan Letter of Credit lC - Pembiayaan Kredit EksporImpor - Incoming and Outgoing Transfer - Inward and Outward Collection - Money Charger and Traveler’s Cheque - Western Union , dan - transaksi luar negeri lainnya LAYANAN KARTU - Kartu ATM Bank DKI yang tergabung dalam AtM Bersama yang dapat diakses di lebih dari 14.000 mesin AtM diseluruh Indonesia. - JakCard, Kartu multifungsi sebagai alat pembayaran Busway . - Debit DKI, memudahkan semua transaksi nasabah. Produk dan Jasa Bank DKI SYARIAH PRODUK DANA Berupa giro iB, Deposito iB, tabungan iB Simpeda, tabungan iB taharoh, dan Wakaf uang. PRODUK PEMBIAYAAN terdiri dari Pembiayaan iB Multiguna, Pembiayaan iB Modal Kerja, Pembiayaan iB Investasi, KPR iB DKI Syariah. INTERNATIONAL TRANSACTION SERVICES International business transaction conveniences such as: - Letter of Credit lC - EksportImport Financing - Incoming and Outgoing transfer - Inward and Outward Collection - Money Charger and traveler’s Cheque - Western union, and - Other International transactions CARD SERVICES - Bank DKI AtM card is part of the AtM Bersama network that can be accessed from over 14.000 AtM units in Indonesia. - JakCard, a multifunction card used for Busway payment. - Debit DKI, customer will increasingly feel the ease of transactions. Product and Services Bank DKI SYARIAH FUND PRODUCT In the form of iB Demand Deposit, iB Deposit, iB Simpeda Saving, iB taharoh Saving, and Endowment Wakaf. FINANCINGS Such as inancing of iB Multi-Purpose Financing, iB Work Capital Financing, iB Investment Financing, iB KPR DKI Syariah. 350 Laporan Tahunan 2009 Annual Report KANTOR PUSAT MAIN BRANCH Jl. Ir. H. Juanda III no. 7 - 9 Jakarta Pusat 10120 Tel. 231 4567 hunting Fax. 351 7660 www.bankdki.co.id www.bankdkisyariah.co.id KANTOR CABANG BRANCH OFFICE Cabang Utama Juanda Jl. Ir. H. Juanda III no. 7 - 9 Jakarta Pusat 10120 Tel. 231 4567 hunting Fax. 231 0194, 231 2884 Cabang Utama Balaikota Jl. Medan Merdeka Selatan No. 8 - 9 Jakarta Pusat 10110 tel. 231 2890, 231 2588, 231 3306, 350 7445 Fax. 231 2891, 344 1504, 350 6447 Bendungan Hilir Jl. Bendungan Hilir Raya no. 1A Jakarta Pusat 10210 tel. 251 2886 - 87, 251 1988 - 89 Fax. 251 2889, 5795 1768 Cempaka Mas graha Cempaka Mas Blok C No. 2 - 3 Jl. Letjen Soeprapto No. 1 Jakarta Pusat 14340 tel. 421 4401, 421 4083, 425 0556, 422 3255, 426 5303 Fax. 421 4084 Jatinegara Ps. Regional Jatinegara Lt. III No. 5 - 7 Jakarta Timur 13310 tel. 280 0979 - 80, 280 1352 - 53, Fax. 280 0981 Kebayoran Baru Jl. Melawai IX F-4 No. 1 Kebayoran Baru Jakarta Selatan 12160 tel. 721 0495, 270 0150, 725 5323, 724 5450 Fax. 270 0146, 7278 6376 Permata Hijau Jl. Arteri Permata Hijau Komp. grand ItC Permata Hijau Blok Saphire 1 dan 2 Jakarta Selatan 12210 tel. 536 64515, 536 63477, 536 63433 Fax. 536 64516, 536 64519 Matraman Jl. Matraman Raya No. 138 Jakarta Timur 13150 tel. 280 0829, 858 1360, 858 0092, 858 0073, 280 0834 Fax. 280 00753 Pintu Besar Selatan Jl. Pintu Besar Selatan no. 90 Jakarta Barat 11180 tel. 260 0838 - 39, 691 2211 Fax. 260 0836, 260 0840 Tanah Abang Jl. Wahid Hasyim no. 212A Jakarta Pusat 10250 tel. 231 3837, 230 2334, 3989 9626 - 27 Fax. 315 8658, 315 8659 Tanjung Priok Jl. Anggrek No. 10 - 12 Tanjung Priok Jakarta Utara 14230 tel. 439 0021, 4393 2846, 4393 4848 Fax. 437 1554 Walikota Jakarta Timur Kantor Walikota Jakarta Timur Sentra Primer Baru Timur Jl. Dr. Sumarno Pulo Gebang Jakarta Timur 13950 tel. 4870 2161, 480 1083 Fax. 480 0846, 480 0779 KANTOR CABANG PEMBANTU SUB-BRANCH OFFICE Abdul Muis gd. Dinas teknis Jl. Abdul Muis no. 66 Kel. Petojo Selatan, Kec. gambir Jakarta Pusat 10110 tel. 386 5819, 386 5821, 386 5825 Fax. 351 8454 Ancol Pasar Seni Taman Impian Jaya Ancol Jakarta Utara 14430 tel. 641 4281, 641 4284 Fax. 641 4270 Bintaro Bintaro Trade Center Blok B112A - 14 Jl. MH. thamrin Bintaro Tangerang 15224 tel. 745 3351, 745 5223, 745 5233 Fax. 745 3352 Cakung Komp. RPH Dharma Jaya Jl. Raya Penggilingan Jakarta Timur 13940 tel. 460 9195, 461 6836, 4682 5273 Fax. 460 9195, 461 6836 Cibubur Times Square Cibubur times Square CtS Blok B1-12A Jl. Raya transyogi KM 3 Jati Karya Jakasampurna Bekasi 17435 tel. 8430 5333 - 34, 8430 5336 Fax. 8430 5337 Cipulir Jl. Ciledug Raya No. 20 B - C Kebayoran Lama Jakarta Selatan 12230 Tel. 270 0151 - 52 Fax. 739 9317 Daan Mogot Gd. Dipenda Jakarta Barat Jl. Daan Mogot Km. 13 Jakarta Barat 11730 tel. 5439 9496, 5439 9398 Fax. 5439 9498 Glodok Pertokoan Glodok City Lt. 2 Blok Al 02 Bks 040 Jl. Medan Glodok Jakarta Barat 11120 Tel. 633 6170 - 72 Fax. 633 6173 Gunadarma Jl. Akses uI Kampus g Univ. Gunadarma Kelapa Dua, Depok 16951 tel. 871 0548, 872 8282, 872 8181 Fax. 8771 6368 Gunung Sahari gd. Dinas teknis DKI lt. 1 Jl. Gunung Sahari Raya No. 11 Jakarta Pusat 10720 tel. 260 0846 - 47, 260 0849 6220 1971-72 Fax. 260 0848 Jatibaru Komplek Dinas teknis PemProv DKI Jl. Taman Jatibaru I No. 4 Jakarta Pusat 10150 tel. 350 1462, 3483 1284, 350 1459 Fax. 344 2688 Kalimalang Jl. Pahlawan Revolusi no. 24B Pondok Bambu Kec. Duren Sawit Jakarta Timur 13430 tel. 862 3682, 8660 3608, 862 9170 Fax. 862 3683 Klender Jl. Raya Bekasi Km. 18 Jakarta Timur 13250 tel. 4683 4942, 4683 4944 - 45 Fax. 460 1986 Kramat Jati PD. Ps. Jaya Kramat Jati Blok A No. 22 Jl. Raya Bogor Km. 20 Jakarta Timur 13710 tel. 809 3743, 800 8663, 8087 9052 Fax. 809 6661 Mangga Besar Krekot Jl. Mangga Besar vIII no. 12 - 0 Jakarta Barat 11150 Tel. 260 0841 - 44 Fax. 260 0845 Pamulang universitas Pamulang gedung B Jl. Surya Kencana No. 1 Pamulang Barat Tangerang Selatan 15417 tel. 749 0704, 749 0987 749 3207, 749 1839 Fax. 749 0918 Panglima Polim Jl. Panglima Polim Raya No. 27 Kebayoran Baru Jakarta Selatan 12160 tel. 7279 3467, 7279 3469 725 8286 Fax. 723 3142 Pasar Induk Kramat Jati Pasar Induk Kramat Jati Blok D2 No. 01 dan 02 Jl. Raya Bogor KM 17 Jakarta Timur 13540 tel. 877 88261-63, 877 88305 Fax. 877 88606 Alamat Kantor Cabang Branch Ofices Address : bisa melayani Perbankan Syariah able to provide a Sharia Banking Services Laporan Tahunan 2009 Annual Report 351 Pluit Ruko Sentra Bisnis Blok A 18 No. 28 Jl. Pluit Sakti Raya Jakarta Utara 14450 tel. 661 2443, 661 0417, 666 97001 Fax. 661 2442 Pondok Labu Jl. Raya Pondok Labu No. 59 Pondok Labu Cilandak Jakarta Selatan 12450 tel. 750 1858, 766 0251 - 52 Fax. 765 7184 Samsat Gunung Sahari gd. Bersama Dipenda Samsat Wilayah Jakarta utara Pusat Jl. Gn. Sahari Raya No. 13 Jakarta Utara 14420 tel. 6470 2812 - 16, 6470 2809 Fax. 6470 2813 Samsat Polda • gd. Bersama Samsat Polda Metro Jaya • gedung Pujasera Polda Metro Jaya Jl. Gatot Subroto No. 2 Jakarta Selatan 12190 tel. 252 3359, 522 8358 523 4490 Fax. 251 2890 Senen Komp. Ruko Segitiga Atrium Senen Blok E18 Jakarta Pusat 10410 tel. 231 3145, 351 1569, 386 0218 Fax. 231 3365 Sudirman Wisma nugra Santana ground Floor Jl. Jend. Sudirman Kav. 7 - 8 Jakarta Pusat 10220 Tel. 570 0132 - 34 Fax. 570 0022 Tebet Barat Jl. tebet Barat Dalam Raya no. 94 gH Jakarta Selatan 12810 tel. 830 2111, 830 1059, 829 9326 Fax. 830 2112 Trunojoyo Jl. Trunojoyo No. 1 Kebayoran Baru Jakarta Selatan 12110 tel. 722 5917, 720 5511, 726 9003 Fax. 720 5511 Walikotamadya Jakarta Barat Gd. Walikota Jakarta Barat Jl. Raya Puri Kembangan No. 2 Jakarta Barat 11610 tel. 582 1763 - 64, 581 5005, 581 6790, 580 7024 Fax. 582 1764 Walikotamadya Jakarta Pusat Kantor Walikota Jakarta Pusat Jl. Tanah Abang I No. 1 Jakarta Pusat 10160 tel. 344 1289, 352 1460, 345 1079 Fax. 352 1229 Walikotamadya Jakarta Selatan Prapanca Gd. Walikotama Jakarta Selatan Jl. Prapanca Raya No. 9 Kebayoran Baru Jakarta Selatan 12170 tel. 7278 8117 - 18, 7278 8121 Fax. 7278 6639 Walikotamadya Jakarta Utara Yos Sudarso Jl. yos Sudarso no. 27 - 29 Tanjung Priok Jakarta Utara 14310 tel. 430 2400, 437 0516 Fax. 430 9244 KANTOR KAS CASH OFFICE Badan Kepegawaian Nasional Kantor Badan Kepegawaian Negara Batu tulis Jl. Letjen Sutoyo No. 12 Tel. 808 88287-88 Fax. 430 9244 Batu Tulis Jl. Batu tulis Raya no. 53 - 55 Jakarta Pusat tel. 351 6973, 386 5477 Fax. 386 5477 Cut Mutia KPP Pratama Jakarta Menteng 1 Jl. Cut Mutia no. 7 Menteng, Jakarta Pusat 10350 Tel. 390 6588 Fax. 390 6588 Dinas Catatan Sipil Ktr. Dinas Kependudukan dan Capil Jl. S. Parman No. 7 Jakarta Barat Tel. 564 2808 Fax. 564 2808 Dinas Kebersihan Jl. Mandala v no.67, Cililitan Besar Jakarta Timur 13640 Tel. 809 6925 Fax. 809 6925 Duri Kosambi KP PBB Jakarta Barat 2 Jl. Duri Kosambi no. 36-37 Jakarta Barat 11750 Tel. 5436 5517 Fax. 5436 5517 Garuda Maintenance Facility GMF Bandara Soekarno Hatta Cengkareng Jakarta Barat Tel. 550 8736 Fax. 550 0552 Gelora Bung Karno Gedung KONI Jl. Pintu I Gelora Senayan Jakarta Pusat 10270 Tel. 573 1750 Fax. 573 1750 Gerai Pajak Pondok Indah Mall Pondok Indah Mall 2 South Sky Walk Jl. Metro Pondok Indah Jakarta Selatan Tel. 759 20616-17 Fax. 759 20620 Gerai Pajak Senayan City Senayan City Shop Unit No.6-12 Jl. Asia Afrika, Jakarta Pusat tel. 727 81496, 727 81497 Fax. 727 81576 Gunung Sahari KPP Pratama Jakarta Sawah Besar 2 Gambir 1 Gedung PROBES Jl. Gunung Sahari Raya No. 25 ABC Jakarta Pusat tel. 6231 7354, 6231 7355 Fax. 6231 7355 Hasyim Ashari KPP Pratama Jakarta Gambir 2 3 Jl. KH Hasyim Ashari no. 6 - 12 Jakarta Pusat Tel. 633 9323 JITC Kemayoran gedung JtC lt. Dasar Kemayoran Jakarta Pusat Tel. 421 6144 Fax. 2664 5231 Johar Baru gd. Pusat Pasar Ikan Hias Jl. Percetakan negara II, Johar baru Jakarta Pusat 10560 tel. 422 6431, 4287 4559 Fax. 422 6431 Kartini KPP Sawah Besar 1 2 Jl. Kartini VIII No. 2 Jakarta Pusat tel. 624 0959, 6231 7352 Fax. 6231 7357 Kawasan Berikat Nusantara Kawasan Berikat nusantara, Jl. Raya Cakung Cilincing, tanjung Priok Jakarta Utara tel. 4832 383, 4832 484 Fax. 4832 533 KPP Pratama Jakarta Menteng II Gedung KPP Pratama Jakarta Menteng II Jl. M.I. Ridwan Rais no.5 – 7 Jakarta Pusat tel. 351 2660, 351 2661 Fax. 351 2660 KPP Pratama Jakarta Pasar Rebo Ciracas KP PBB Jakarta Timur II Jl. Raya Bogor no 46 Ciracas Jakarta Timur 13830 Tel. 8778 1221 Fax. 8778 1222 KPP Pratama Jakarta Tanah Abang I Penjernihan Gedung KPP Pratama Jakarta Tanah Abang 1 Jl. Penjernihan 1 No. 36 Jakarta Pusat 10430 Tel. 7064 2371 570 4414 Fax. 570 4414 KPP Pratama Setiabudi 3 Pancoran Jl. Raya Pasar Minggu no.11 Jakarta Selatan 12780 Tel. 7919 5456 Kramat Gd. KPP Pratama Jakarta Senen Jl. Kramat Raya No. 136 Jakarta Pusat 10430 tel. 391 8060, 391 8062 Fax. 391 8060 KS Tubun Kantor Pelayanan Pemakaman DKI Jakarta Jl. Aipda KS. Tubun No. 1 Jakarta Pusat 12960 tel. 533 0376, 530 1135 Fax. 533 0376 Kwini Jl. Kwini No. 7 Kel. Senen, Kec. Senen Jakarta Pusat Tel. 3483 2055 Fax. 3483 2055 Lodan KP PBB Jakarta utara I Pluit Jl. Lodan No. 3 Ancol Jakarta Utara Tel. 690 0771 ext 101 Mas Mansyur Jl. KH. Mas Mansyur no. 71 Jakarta Pusat 10230 tel. 390 1107, 390 1083 Fax. 390 3252 Matraman Jl. Matraman Raya No. 43 Jakarta Timur 13140 Tel. 8590 5328 Fax. 8590 5328 Kecamatan Pesanggrahan Jl. Raya Pesanggrahan Raya no. 2 Jakarta Selatan 12320 Tel. 7388 3446 Fax. 7369 0874 352 Laporan Tahunan 2009 Annual Report Nyi Ageng Serang Gedung Nyi Ageng Serang Jl. HR. Rasuna Said Kav. C no. 22 Kuningan, Jakarta Selatan 12950 tel. 526 3304, 526 3306 Fax. 526 3306 PAM Jaya Gd. PAM Jaya Jl. Penjernihan II, Pejompongan Jakarta Pusat 10210 Tel. 570 9417 Fax. 574 3472 Pasar Koja Proyek Pasar Koja Baru Blok A LOS CKS No. 33 - 38 Jakarta Utara 14260 Tel. 4393 7884 Pasar Cempaka Putih Pertokoan Pasar Cempaka Putih Jl. Letjen Soeprapto Kav. 16 Jakarta Pusat 10520 Tel. 4280 1450 Fax. 4280 1450 Pasar Cengkareng A.l01 AKS 15 s.d 20 AKS s.d 60 Pasar Cengkareng lt. 1 Cengkareng Timur Jakarta Barat 11730 Tel. 5437 3744 Fax. 5437 3747 Pasar Cibubur Jl. Cibubur Raya lap. tembak Pasar Jaya Cibubur lt. 1 no. AKS006 Jakarta Timur 13720 tel. 8770 9836, 8770 9847 Fax. 8770 9907 Pasar Kebayoran Lama Jl. Kramat Proyek Pasar Kebayoran Lama Jakarta Selatan 12240 Tel. 270 0147 Fax. 270 0149 Pasar Palmerah Jl. Palmerah Barat PD. Ps. Jaya Palmerah Lt. 1 Blok AA Jakarta Pusat 10270 Tel. 530 0942 Fax. 530 0942 Pasar Santa lt. Dasar Blok A no. 22 - 24 Jl. Cipaku I, Kebayoran Baru Jakarta Selatan 12170 tel. 7278 4213, 7278 4214 Fax. 7278 4214 Pasar Slipi Jl. Anggrek Garuda Slipi Ps. Jaya Slipi lt. Dasar Jakarta Barat 11600 Tel. 536 3966 Fax. 536 3966 Pasar Tanah Abang Ps. tanah Abang Blok A lt. 9 Jakarta Pusat 10250 tel. 230 2358, 3193 8105 Fax. 230 2358 PIK Pulogadung Business Centre Perkampungan Industri Kecil PIK Pulo gadung, lantai 1 Blok B1 Jl. Raya Penggilingan Jakarta Timur 13940 Tel. 4680 4524 Fax. 4680 4525 PLN Ciputat Jl. R. E. Martadinata Km. 27 Ciputat, tangerang Tel. 7470 1632 Fax. 7470 1684 PLN Duren Tiga Jl. Duren Tiga Jakarta Selatan 12760 Tel. 7918 3547 Fax. 7918 3547 Pondok Karya Pembangunan - Jakarta Islamic School Jakarta Islamic School Jl. Raya Pondok Karya Pembangunan Kelapa Dua Wetan Ciracas Jakarta Timur 13730 Tel. 8770 2851 Fax. 8770 4326 Pondok Pinang KP PBB Jakarta Selatan II Jl. Ciputat Raya No. 2 Jakarta Selatan Tel. 7581 8842 Pulau Pramuka Pulau Pramuka - Gedung Kabupaten Kepulauan Seribu 14530 Tel. 7079 2157 Fax. 7058 3359 RSUD Cengkareng Jl. Kamal Raya Cengkareng Bumi Cengkareng Indah Cengkareng Timur 11730 Tel. 5437 4574 Fax. 5437 4573 RSUD Koja Jl. Deli No. 4 Jakarta Utara 14230 Tel. 435 8569 Fax. 435 8569 Samsat Timur Jl. DI Panjaitan No. 5 Jakarta Timur 13340 Tel. 8590 2448 Fax. 856 0316 Sudin Pekerjaan Umum Sudin PU Jakarta Timur Jl. Raya Jatinegara Barat 142 Jakarta Timur 13320 Tel. 819 9858 Fax. 819 9858 TPI Muara Baru Tempat Pelelangan Ikan Muara Baru Jl. Muara Baru Ujung Penjaringan Jakarta Utara 14440 Tel. 662 4670 Universitas Gunadarma Kalimalang Kampus J universitas Kalimalang Jl. KH noer Ali Kalimalang 17145 tel. 886 7963, 886 8214 Fax. 886 8041 Universitas Gunadarma Margonda Jl. Margonda Raya No. 100 Depok 16424 Tel. 7721 2768 - 70 Fax. 7721 2770 Universitas Gunadarma Salemba Jl. Salemba Raya No. 53 Jakarta Pusat 10440 tel. 392 7074, 390 8568 Fax. 392 7072 Universitas Trisakti universitas trisakti gedung K Jl. Kyai Tapa No. 1 Jakarta Barat Tel. 5694 3061 - 62 Fax. 5694 3060 Waduk Melati gd. uKM SME’s Co Center Jl. KH. Mas Mansyur Jakarta Pusat 10230 Tel. 3199 1173 Fax. 3199 1173 KANTOR KAS KECAMATAN DISTRICT CASHIER OFFICE Kec. Cakung Jl. Raya Bekasi Km. 23, Cakung Jakarta Timur 13910 Tel. 461 9550 Fax. 461 9550 Kec. Cempaka Putih Jl. Rawasari Selatan I Blk Ps. Rawa Kerbau Jakarta Pusat 10510 tel. 4287 7264, 4287 4549 Fax. 4287 7264 Kec. Cilandak Jl. KH. Muhasyim Raya no. 1 Jakarta Selatan 12430 Tel. 7590 0101 Fax. 7590 0101 Kec. Cilincing Jl. Sungai Landak No. 7 Jakarta Utara 14120 tel. 440 2855, 4483 4323 Kec. Grogol Petamburan Jl. Tanjung Duren Barat IV2 Jakarta Barat tel. 564 2855, 4483 4323 Kec. Jagakarsa Jl. Sirsak no. 2, Jagakarsa Jakarta Selatan 12620 tel. 7888 2772, 7888 2210 Fax. 7888 2772 Kec. Jatinegara Jl. Kebon nanas Raya Jakarta Timur 13410 Tel. 819 6714 Fax. 819 6714 Kec. Kalideres Jl. Peta Utara No. 26 Kel. Pegadungan Jakarta Barat 11830 Tel. 5439 9001 Fax. 5439 9002 Kec. Kebayoran Baru Jl. Kerinci IX Blok E1 Jakarta Selatan 12120 Tel. 722 7104 Fax. 722 7104 Kec. Kebayoran Lama Jl. Ciputat Raya No. 5 Jakarta Selatan 12240 Tel. 729 1533 Fax. 729 4184 Kec. Kebon Jeruk Jl. Raya Kebon Jeruk No. 1 Jakarta Barat 11530 Tel. 535 9659 Fax. 535 9606 Kec. Kelapa Gading Jl. Raya Boulevard Timur No. 1 Jakarta Utara 14240 Tel. 4584 0294 Fax. 4584 0294 Kec. Kramatjati Jl. Raya Bogor Km. 20 Kramat Jati Jakarta Timur 13510 Tel. 809 6942 Kec. Matraman Jl. Balai Rakyat, utan Kayu utara Jakarta Timur 13120 Tel. 851 5381 Fax. 8590 5701 Kec. Pancoran Jl. Pengadegan Timur II2 Jakarta Selatan 12770 Tel. 7919 5670 Fax. 7919 5670 Kec. Pasar Minggu Jl. Raya Ragunan No. 1 Ps. Minggu Jakarta Selatan 12540 Tel. 782 9628 Fax. 782 9628 Kec. Pasar Rebo Jl. Raya Bogor Km. 27 Kel. Pekayon, Kec. Pasar Rebo Jakarta Timur 13770 Tel. 8770 7004 Fax. 8771 2229 Kec. Pesanggrahan Jl. Raya Pesanggrahan Raya no. 2 Jakarta Selatan 12320 Tel. 7388 3446 Fax. 7369 0874 : bisa melayani Perbankan Syariah able to provide a Sharia Banking Services Laporan Tahunan 2009 Annual Report 353 Kec. Tambora Jl. PTB Angke Raya Jembatan II Jakarta 11330 Tel. 6385 1646 Fax. 6386 6643 Kec. Tanah Abang Jl. KH. Mas Mansyur no. 130 Jakarta Pusat 10230 tel. 392 6504, 392 6507 Fax. 392 6504 Kec. Tebet Jl. Dr. Supomo no. 16, tebet Jakarta Selatan 12810 Tel. 830 0273. 830 0258 Fax. 830 0258 KANTOR PEMBAYARAN PAYMENT OFFICE Cempaka KPP Jakarta Pademangan Jl. Cempaka no. 2, tanjung Priok Jakarta Utara 14310 Tel. 437 1505 Gajah Mada KPP Taman Sari 2 Jl. Gajah Mada 149 ABC Jakarta Barat Grogol Petamburan graha Sucofindo Jl. Letjen S. Parman Kav. 102 Jakarta Barat Kebon Jeruk KPP Kebon Jeruk 1 Jl. Arjuna Selatan No. 1 Kebun Jeruk Jakarta Barat 11530 Tel. 535 5761-68 Fax. 535 5760 Kelapa Gading KPP Jakarta Sunter Jl. Walang Baru no. 10, Semper Jakarta Utara 14260 Tel. 4393 2775-76 KPP Cakung 1 Jl. Pulo Buaran 6 Blok JJ No. 11 Kawasan Industri Pulo gadung Jakarta 13930 KPP Cengkareng Jl. Lingkar Luar Barat No. 10A Cengkareng Timur Jakarta Barat 11730 KPP Pratama Cilandak Gedung KPP Pratama Jakarta Cilandak Jl. TB Simatupang Kav. 32 Jakarta Selatan 12560 Tel. 9130 9542 KPP Pratama Jatinegara Slamet Riyadi KPP Pratama Jatinegara Jl.Slamet Riyadi No. 01 Jakarta Timur 13150 Tel. 851 2989 Fax. 851 2927 KPP Pratama Kebayoran Baru 1 Gedung KPP Pratama Jakarta Kebayoran Baru Satu Jl. Jend. Sudirman Kav 56 Jakarta Selatan 12190 Tel. 9796 1026 KPP Pratama Kebayoran Baru 3 Ahmad Dahlan Gedung KPP Pratama Jakarta Kebayoran Baru 3 Jl. KH Ahmad Dahlan No. 14 A Kebayoran Baru Jakarta 12130 Tel. 3395 2365 KPP Pratama Kebayoran Lama Gedung KPP Pratama Jakarta Kebayoran Lama Jl. Ciledug Raya No.65 Jakarta Selatan 12230 Tel. 586 0785 KPP Pratama Kemayoran Jl.Merpati raya B 12 N0. 6 Kota Baru Kemayoran Jakarta Pusat KPP Pratama Kembangan Jl.Arjuna Utara No 87 Kebon Jeruk Jakarta Barat 11530 Tel. 5695 9002 KPP Pratama Kramat Jati Dewi Sartika PP Kramat Jati Jl.Dewi Sartika No. 189 A Jakarta 13630 KPP Pratama Koja Semper KPP Pratama Jakarta Koja Jl. Raya Plumpang Semper No. 10A Jakarta Utara 14320 Tel. 4393 2760 KPP Pratama Mampang Prapatan Gedung KPP Pratama Jakarta Mampang Prapatan Jl. Raya Pasar Minggu no. 1 Jakarta Selatan 12780 Tel. 9130 7438 KPP Pratama Pancoran KPP Pratama Pancoran Jl. TB Simatupang Kav. V Kebagusan, Jakarta Selatan Tel. 9126 9053 KPP Pratama Pasar Minggu Gedung KPP Pratama Jakarta Pasar Minggu Jl. TB. Simatupang No. 39 Jakarta Selatan 12510 Tel. 9856 9893 KPP Pratama Setiabudi 1 Gedung KPP Pratama Jakarta Setiabudi Satu Jl. HR. Rasuna Said Blok B Kav.8 Jakarta Selatan 12910 Tel. 525 3632 KPP Pratama Setiabudi 2 Gedung KPP Pratama Jakarta Setiabudi Satu Jl. HR. Rasuna Said Blok B Kav.8, Jakarta Selatan 12910 Tel. 9826 8534 KPP Pratama Tambora Jl. Kali Besar Barat no. 14 - 15 Jakarta Barat 11230 KPP Pratama Tanjung Priok Enggano KPP Pratama Tanjung Priok Jl.Enggano No 2 Jakarta Utara 14310 KPP Pratama Tebet gedung KPP Pratama Jakarta, tebet Jl. Tebet Raya No.09 Jakarta Selatan 12820 Tel. 9130 9541 KS. Tubun KPP Kebon Jeruk II Jl. KS. Tubun 10 Jakarta 11450 Tel. 564 3627 Fax. 565 5220 Mangga Besar KPP Taman Sari 1 Jl. Mangga Besar no. 52 Jakarta Barat 11150 Palmerah Jl. Letjen S. Parman Kav. 99 Jakarta Barat 11410 Tel. 566 5681 Fax. 563 4550 Penjaringan Jl. Lada No. 3 Jakarta Barat 11110 Sunter Jl. Walang Baru No. 10 Semper Jakarta Utara 14260 Tel. 4393 2775-76 Walikota Jakarta Utara Jl. yos Sudarso no. 27-29 Jakarta Utara Tel. 430 1124 ext. 5485 Cabang Pembantu Syariah Matraman Jl. Matraman Raya No. 54 Jakarta Timur 13150 Tel. 85908121 Fax. 85908131 Kantor Cabang Pembantu Syariah Margonda Jl. Margonda Raya no. 22 A-B, Depok 16423 tel. 7721 7425-26, 7721 7395-96 Fax. 7721 7397 Kantor Cabang Pembantu Syariah Bekasi Komplek Pertokoan Bekasi Mas Blok D8 Jl. Ahmad Yani Bekasi Selatan 17141 tel. 8885 4339, 8895 9539 Fax. 8895 9025 Kantor Kas Syariah Cibubur Cibubur town Square No. B1 - 12A Jl. Raya transyogi KM 3, Jati Karya Jakasampurna, Bekasi 17435 Tel. 8430 5335 Fax. 8430 5335 Kantor Kas Syariah Johar Baru Jl. Percetakan negara II, Johar Baru Jakarta Pusat 10560 Tel. 422 6494 Fax. 4287 4556 Kantor Kas Syariah Panglima Polim Jl. Panglima Polim Raya No. 27 Kebayoran Baru Jakarta Selatan 12130 Tel. 7279 3136 Fax. 723 3142 Kantor Kas Syariah RS Annisa Cikarang Jl. Cikarang Baru No. 31 Kecamatan Cikarang Utara Bekasi 17836 tel. 8910 7873, 8910 7542 Fax. 8910 7681 Kantor Kas Syariah Walikotamadya Jakarta Timur Gedung Walikotamadya Jakarta Timur Jl. Sentra Primer Baru, Pulo gebang Jakarta Timur 13950 Tel. 480 1354 Fax. 480 1354 Kantor Kas Syariah Walikotamadya Jakarta Utara Jl. yos Sudarso no. 27 - 29 Tanjung Priok Jakarta Utara 14310 Tel. 4393 0363 Fax. 430 2401 BANK DKI SYARIAH BANK DKI SHARIA Cabang Syariah Wahid Hasyim Jl. Wahid Hasyim no. 153 Tanah Abang Jakarta Pusat 10240 tel. 390 9706 , 390 1466 390 1340 Fax. 390 2415 Cabang Syariah Pondok Indah Jl. Iskandar Muda no.17 A-B Jakarta Selatan 12240 Tel. 72780460 hunting Fax. 72780464 354 Laporan Tahunan 2009 Annual Report

1. Grup Komersial

COMMERCIAL GROUP Menara Kebon Sirih Lt. 14 Jl. Kebon Sirih No. 17-19 Jakarta 10340 Tel. 392 3222 hunting Fax. 391 4222

2. Grup Konsumer

CONSUMER GROUP Menara Kebon Sirih Lt. 14 Jl. Kebon Sirih No. 17-19 Jakarta 10340 Tel. 392 3222 hunting Fax. 391 9944

3. Grup Mortgage Housing

MORTGAGE HOUSING GROUP Menara Kebon Sirih Lt. 14 Jl. Kebon Sirih No. 17-19 Jakarta 10340 Tel. 392 3222 hunting Fax. 391 9944

1. Dana Pensiun Bank DKI

Jl. Matraman Raya No. 138 Jakarta Timur 13150 tel. 851 2379, 856 9731 Fax. 856 4780

2. PT BPR Darbeni Rizki

Komp. Taman Surya Buana Blok B6 Cipadu, larangan, tangerang 15155 Tel. 8564 7681 Fax. 857 7417

3. PT Darbeni Bangun Karya

Jl. Matraman Raya No. 72 Jakarta Timur 13150 Tel. 856 4781 Fax. 857 7417

4. Yayasan Kesejahteraan Karyawan Bank DKI

Jl. Matraman Raya No. 72 Jakarta Timur 13150 Tel. 858 3617 Fax. 8590 9569

4. Grup Manjemen Risiko dan Kepatuhan

RISK MANAGEMENT AND COMPLIANCE GROUP Gedung Cabang Matraman Jl. Matraman Raya no.138, lantai 6-7 Jakarta Timur 13150 tel. 851 3950, 851 1517, 851 4041 Fax. 851 1517

5. Grup Supervisi Kredit

CREDIT SUPERVISORY GROUP Gedung Capem Panglima Polim Jl. Panglima Polim Raya no. 27, lantai 2-4 Jakarta Selatan 12160 tel. 726 2421, 726 2618 726 2546

6. Grup Audit Intern

INTERNAL AUDIT GROUP Jl. Ir. Juanda III No.16A Jakarta Pusat 10120 tel. 351 1559, 351 8112, 350 7458, 351 8263 Fax. 351, 8119 Kantor Bank DKI di Luar Kantor Pusat Bank DKI Ofice Outside Head Ofice Laporan Tahunan 2009 Annual Report 355 WALI AMANAT CUSTODIAN BANK PT Bank Mega Tbk Menara Bank Mega Jl. Kapten Tendean Kav. 12-14A Jakarta 12790 NOTARIS NOTARY Poerbaningsih Adi Warsito, SH Jl. Panglima Polim V11 Kebayoran Baru Jakarta 12160 AKUNTAN PUBLIK PUBLIC ACCOUNTANT Doli, Bambang, Sudarmadji Dadang Menara Kuningan 11 th Floor Jl. HR. Rasuna Said Blok X-7 Kav. 5 Jakarta 12940 KONSULTAN HUKUM LAW CONSULTANT Kanon Arruanpitu World Trade Center Building Lantai 10 Jl. Jenderal Sudirman Kav. 29-31 Jakarta 12920 PENJAMIN PELAKSANA EMISI OBLIGASI V TAHUN 2008 OBLIGASI SUBORDINASI I TAHUN 2008 BONDS SUBORDINATED BONDS I UNDERWRITER PT Mandiri Sekuritas Plaza Mandiri Lantai 28 Jl. Jenderal Gatot Subroto Kav. 36-38 Jakarta 12190 tel. 021 526 3445 Fax. 021 526 3507 PT Standard Chartered Securities Indonesia Wisma Standard Chartered Bank lantai 5 Jl. Jenderal Sudirman Kav. 33A Jakarta 10220 tel. 021 5799 9570 Fax. 021 571 9720, 571 9734 PENJAMIN EMISI OBLIGASI BOND UNDERWRITER PT Madani Securities Perkantoran Taman A-9 unit B, lantai 2-3 Jl. Mega Kuningan, H.R. Rasuna Said Jakarta 12950 tel. 021 576 1183 Fax 021 576 2263 PENJAMIN EMISI OBLIGASI SUBORDINASI I TAHUN 2008 SUBORDINARY BONDS UNDERWRITER PT Victoria Sekuritas Gedung Bank Panin Senayan Lantai 2 Jl. Jenderal Sudirman Kav. 1 Jakarta 10270 tel. 021 726 0021 Fax. 021 726 0047 PT Henan Putihrai Wisma tamara lantai 7 15 Jl. Jenderal Sudirman Kav. 24 Jakarta 12920 tel. 021 620 0404 Fax. 021 520 8787 PT Nusadana Capital Indonesia Plaza Lippo Lantai 14 Suite 1401 Jl. Jenderal Sudirman Kav. 25 Jakarta 12920 tel. 021 520 4599 Fax. 021 520 4598 PT AmCapital Indonesia Wisma gKBI lantai 5 Suite 501 Jl. Jenderal Sudirman No. 38 Jakarta 10210 tel. 021 574 2310 Fax. 021 571 3706 PT Asjaya Indosurya Securities Graha Surya Lantai 7 Jl. Setia Budi Selatan I Kav. 9 Jakarta 12920 tel. 021 5790 5068 Fax. 021 5790 4898 PT Mega Capital Indonesia Menara Bank Mega Lantai 2 Jl. Kapten Tendean Kav. 12-14A Jakarta 12790 tel. 021 7917 5599 Fax. 021 7919 3900 Lembaga dan Profesi Penunjang Pasar Modal Capital Market Supporting Institutions and Professional Services 356 Laporan Tahunan 2009 Annual Report NO HAL YANG DIPERSYARATKAN DALAM PERATURAN BAPEPAMLK NO. X.K.6 SPECIFIC ItEMS StIPulAtES On tHE REgulAtIOn OF BAPEPAMLK NO. X.K.6 NOMOR HALAMAN NUMBER OF PAGE 1. Ikhtisar Keuangan Penting perbandingan selama lima tahun buku. Financial Highlights comparative for five fnancial consecutive years. 4 2 Informasi harga saham tertinggi, terendah, dan penutupan, serta jumlah saham yang diperdagangkan untuk setiap masa triwulan dalam dua tahun buku terakhir. Information of the highest, lowesrt and closing share price, as well as total traded share on quarter period for two financial years. Bank DKI bukan Perusahaan Terbuka Bank DKI is not a Public Company 3 Harga saham sebelum perubahan permodalan terakhir wajib disesuaikan dalam hal terjadi antara lain karena pemecahan saham, dividen saham, dan saham bonus. Share price before last capital restructuring is ought to be restated, due to several matters, such as stock split, stock dividend and bonuses. 5, 137 138 4 Sambutan Dewan Komisaris Message from the Board of Commissioners 24-27 5 Laporan Direksi Report of the Board of Directors 36-41 6 Profil Perusahaan a. Nama dan alamat perusahaan b. Riwayat singkat perusahaan c. Bidang dan kegiatan usaha perusahaan meliputi jenis produk dan atau jasa yang dihasilkan d. Struktur organisasi dalam bentuk bagan e. Visi dan Misi perusahaan f. Nama, jabatan, dan riwayat hidup singkat anggota Dewan Komisaris g. Nama, jabatan, dan riwayat hidup singkat anggota Direksi h. Jumlah karyawan dan deskripsi pengembangan kompetensinya Company Profile a. Adresses and Name Company b. The Profile of Company c. The Company’s business lines and operational activities comprises of products and or services d. Organizational structure in the form of chart e. Vision and Mission of the Company f. Name, position, and brief profile of the Board of Commissioners g. Name, position, and brief profile of the Board of Directors h. Total employees and description of their competencies 350 2 2, 48-63 348-349 346-347 8-11 30-33 44-45 68-72 7 Uraian tentang nama pemegang saham dan persentase kepemilikannya a. Pemegang saham yang memiliki 5 atau lebih b. Direktur dan komisaris yang memiliki saham c. Kelompok pemegang saham masyarakat, yaitu kelompok pemegang saham yang masing-masing memiliki kurang dari 5 Description of shareholders and percentage of its ownerships a. Shareholders that owned 5 or more b. Members of the Board of Commissioners and the Board of DIrectors which owned a shares portion c. Public shareholders, shareholders which owned a shares portion of less than 5 119 119 119 8 Nama anak perusahaan dan perusahaan asosiasi, persentase kepemilikan saham, bidang usaha, dan status operasi perusahaan tersebut Name of the subsidiary company and affiliated company, percentage of shares ownership, business lines and the operational status of those companies 219, 301 9 Kronologis pencatatan saham dan perubahan jumlah saham dari awal pencatatan hingga akhir tahun buku serta nama Bursa Efek dimana saham perusahaan dicatatkan The listing of shares and the changes of total number of shares from the initial listing to the end of financial year, as well as the name of Stock Exchange Company’s name where the Company’s share were listed Bank DKI bukan Perusahaan Terbuka Bank DKI is not a Public Company 10 Kronologis pencatatan efek lainnya dan peringkat efek Chronolgy for other stock listing and ratings 137-138 11 Nama dan alamat perusahaan pemeringkat efek Name and address of the Share Registrar 355 12 Nama dan alamat lembaga dan atau profesi penunjang pasar modal Name and address of the Capital Market Supporting Institution and Professional Services 355 13 Penghargaan dan sertifikasi yang diterima perusahaan baik yang berskala nasional maupun internasional Acknowledgement and certification received by the Company both in a national or international scale 20-21 REFERENSI PERATURAN BAPEPAM-LK NO. X.K.6 The Regulation of BAPEPAM-LK NO. X.K.6

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