Professional Documents
Culture Documents
Bank Maybank - Lap Keu PDF
Bank Maybank - Lap Keu PDF
Daftar Isi
Table of Contents
Halaman/Pages
1-5
. Financial Position
6-7
Consolidated Statement of
. Comprehensive Income
8-9
Consolidated Statement of
................................Changes in Equity
10-11
Consolidated Statement of
.. Cash Flows
12-277
Appendix 1
Appendix 2
Appendix 3
Appendix 4
Appendix 5
***************************
31 Desember/December 31
Catatan/
Notes
2015
2014 *)
ASET
Kas
ASSETS
2a,2c,4
1.978.750
2.195.531
2.329.825
Cash
2a,2c,2d,
2e,2f,5
10.329.997
9.850.805
9.249.766
2a,2c,2d,
2f,2o,6
2ae,43
4.985
1.847.067
266
1.312.957
248
631.711
1.852.052
1.313.223
631.959
(151)
2a,2c,2d,
2g,2o,7
2c,2d,2h,8
Investasi keuangan
Pihak berelasi
Pihak ketiga
2b,2c,2d,
2i,2o,9
2d,2j,10
631.725
13.948.893
5.583.433
6.471.565
(1.000)
2c,2d,2k,11
2ae,43
(600)
13.947.693
5.582.433
6.470.965
451.475
58.612
489.942
Trading securities
9.671.663
11.112.879
10.029
13.207.308
Financial investments
Related parties
Third parties
9.671.663
11.112.879
13.217.337
(239.775)
(234.249)
9.466.874
10.873.104
12.983.088
647.828
647.263
12.237
341.104
4.710
201.286
3.673
755.013
Derivatives receivable
Related parties
Third parties
353.341
205.996
758.686
(565)
Tagihan derivatif
Pihak berelasi
Pihak ketiga
1.313.074
(204.789)
(234)
1.851.901
(1.200)
(149)
(4.047)
(517)
349.294
205.479
758.686
31 Desember/December 31
Catatan/
Notes
2015
2014 *)
1 Januari/
January 1, 2014/
31 Desember/
December 31, 2013 *)
ASET (lanjutan)
ASSETS (continued)
2c,2d
2l,2o,12
2ae,43
Dikurangi:
Cadangan kerugian
penurunan nilai
2d,2n,2o,13
Piutang pembiayaan
konsumen - neto
Tagihan akseptasi
114.578
97.916.092
105.543
95.364.127
104.201.707
98.030.670
95.469.670
(1.871.461)
120.669
104.081.038
2c,2d,
2m,2o,14,
2ae,43
96.755.697
94.500.410
11.175.482
10.821.775
8.808.771
(2.848.426)
(2.550.878)
(2.248.826)
(167.395)
(122.897)
(83.010)
8.159.661
8.148.000
6.476.935
Consumer financing
receivables - net
2.116.213
2.813.377
1.635.902
Acceptances receivable
2aa,23c
Aset tetap
Dikurangi: Akumulasi penyusutan
2o,2p,15
2b,2q,16
2c,2d,2o,2r,
2s,2y,17
2ae,43
Dikurangi:
Cadangan kerugian
penurunan nilai
Cadangan kerugian
JUMLAH ASET
(28.134)
48b
(11.950)
2.116.213
2.785.243
1.623.952
252.068
475.297
449.630
2.628.531
(1.483.308)
2.461.635
(1.284.479)
2.199.099
(1.090.604)
1.145.223
1.177.156
1.108.495
212.274
221.596
171.413
1.053
4.425.194
1.897
3.762.205
28.941
3.370.259
4.426.247
3.764.102
3.399.200
(20.573)
(25.593)
(969.260)
Less:
Allowance for
impairment losses
102.330.246
(1.274.973)
Loans and
Sharia receivables/financing
Related parties
Third parties
(20.346)
(20.572)
(19.770)
(23.399)
Fixed assets
Less: Accumulated depreciation
Less:
Allowance for impairment
losses
Allowance for possible losses
4.380.081
3.723.184
3.356.031
Prepayments and
other assets - net
157.619.013
143.365.211
140.600.863
TOTAL ASSETS
31 Desember/December 31
Catatan/
Notes
2015
2014 *)
1 Januari/
January 1, 2014/
31 Desember/
December 31, 2013 *)
LIABILITAS
LIABILITIES
Liabilitas segera
2c,2d,2t,18,
2ae,43
Simpanan nasabah
Pihak berelasi
Pihak ketiga
2c,2d,2u,19
2ae,43
Liabilitas derivatif
Pihak berelasi
Pihak ketiga
Liabilitas akseptasi
Pihak berelasi
Pihak ketiga
Pinjaman diterima
Pihak berelasi
Pihak ketiga
Utang pajak
2c,2d,2v,20
2ae,43
2c,2d,2k,11
2ae,43
2c,2d,2m,14
2ae,43
2c,2d,2w,21
2ae,43
2c,2d,2x,22
2ae,43
834.200
867.049
727.963
97.197
115.389.239
71.832
101.792.160
79.694
107.159.864
115.486.436
101.863.992
107.239.558
458.837
2.439.625
551.449
2.397.842
467.418
588.090
2.898.462
2.949.291
1.055.508
3.933
374.072
6.780
217.318
85.474
708.984
378.005
224.098
794.458
837
2.109.323
9.948
2.799.546
1.635.902
2.110.160
2.809.494
1.635.902
652.422
6.931.036
1.598.935
6.730.279
1.466.321
6.529.220
7.583.458
8.329.214
7.995.541
1.038.814
3.236.682
36.460
3.948.080
191.947
2.396.073
4.275.496
3.984.540
2.588.020
Derivatives payable
Related parties
Third parties
Acceptances payable
Related parties
Third parties
Securities issued
Related parties
Third parties
Borrowings
Related parties
Third parties
2c,2aa,23a
180.109
172.978
254.805
Taxes payable
2aa,23c
118.102
111.790
97.955
2c,2d,2y,
2ac,24
2ae,43
Accrued expenses
and other liabilities
Related parties
Third parties
Obligasi subordinasi
Pihak berelasi
Pihak ketiga
JUMLAH LIABILITAS
2d,2w,25
2ae,43
48b
72.712
3.451.637
56.289
3.017.192
47.894
2.942.977
3.524.349
3.073.481
2.990.871
1.583.393
2.903.575
1.581.986
2.902.151
307.909
2.681.525
4.486.968
4.484.137
2.989.434
141.875.745
128.870.064
128.370.015
Subordinated bonds
Related parties
Third parties
TOTAL LIABILITIES
31 Desember/December 31
Catatan/
Notes
2015
2014 *)
1 Januari/
January 1, 2014/
31 Desember/
December 31, 2013 *)
EKUITAS
EQUITY
8.891.200.000 saham
Seri B dengan nilai
nominal Rp225
(nilai penuh) per saham; dan
8,891,200,000 Series B
shares with a par value
of Rp225 (full amount)
per share; and
467.329.511.000 saham
Seri D dengan nilai
nominal Rp22,50
(nilai penuh) per saham
467,329,511,000
Series D shares with a
par value of Rp22.50
(full amount) per share
26
3.665.370
3.665.370
27
4.555.587
4.555.587
3.219.051
2c,30
34.541
21.071
18.060
1b
(57.313)
(73.681)
(73.681)
(94.871)
Unrealized losses on
changes in fair value
of available-for-sale
financial investments net of deferred tax
2i,9
(103.357)
(57.526)
31 Desember/December 31
Catatan/
Notes
2015
2014 *)
1 Januari/
January 1, 2014/
31 Desember/
December 31, 2013 *)
EKUITAS (lanjutan)
Kerugian aktuarial atas program
manfaat pasti setelah
pajak tangguhan
Cadangan umum
EQUITY (continued)
2ac,46
(115.343)
(205.051)
(218.003)
29
376.656
341.730
264.475
General reserve
7.149.514
6.045.370
5.414.617
Retained earnings
15.505.655
14.292.870
12.042.588
237.613
202.277
188.260
Non-controlling interest
15.743.268
14.495.147
12.230.848
TOTAL EQUITY
157.619.013
143.365.211
140.600.863
Saldo laba
Jumlah ekuitas teratribusi kepada
pemilik entitas induk
Kepentingan non-pengendali
JUMLAH EKUITAS
JUMLAH LIABILITAS DAN
EKUITAS
45
2015
2014 *)
PENDAPATAN DAN
BEBAN OPERASIONAL
13.905.475
7.417.237
13.399.814
7.468.118
6.488.238
5.931.696
2z
823.830
383.053
2c
185.885
(106.888)
2h,2i,34
2h,35
36
Jumlah pendapatan
operasional lainnya
Beban operasional lainnya:
Penyisihan kerugian
penurunan nilai atas
instrumen keuangan - neto
Penyisihan/(pemulihan)
kerugian atas aset
non-produktif
Umum dan administrasi
Tenaga kerja
3.732
1.431.418
2.613.939
1.816.690
2r,2o,38
39
40,46
6.625
3.017.757
2.330.531
(2.545)
2.838.773
2.142.564
7.644.460
6.770.790
(5.030.521)
(4.954.100)
1.457.717
41
LABA SEBELUM
BEBAN PAJAK
642
1.588.986
1.791.998
PENDAPATAN
OPERASIONAL - NETO
105.375
2.289.547
PENDAPATAN/(BEBAN)
NON-OPERASIONAL - NETO
14.596
2o,37
87.306
1.545.023
2aa,23b
48b
(401.461)
1.143.562
977.596
(4.678)
972.918
(250.777)
722.141
2015
2014 *)
17.115
(31.264)
(4.279)
93.794
12.836
125.058
23c
23c
13.470
3.011
(61.214)
51.040
15.383
(13.695)
(32.361)
40.356
61.433
53.192
Other comprehensive
(losses)/income - net of tax
1.204.995
775.533
Total comprehensive
income for the year
1.139.070
4.492
708.008
14.133
1.143.562
722.141
42
45
45
1.196.417
8.578
761.316
14.017
1.204.995
775.333
17
12
2ab,42
Total comprehensive
income for the year
attributable to:
Equity holders of the
parent company
Non-controlling interest
The original consolidated financial statements included herein are in the Indonesian language.
Dapat diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent company
Catatan/
Notes
Saldo 31 Desember 2014 *)
Modal saham/
Share capital
3.665.370
Tambahan modal
disetor/Additional
paid-in capital
Selisih kurs
karena penjabaran
laporan keuangan
dalam mata
uang asing/
Differences
arising from
the translation of
foreign currency
financial
statements
4.555.587
21.071
Kerugian
yang belum
direalisasi atas
perubahan nilai
wajar investasi
keuangan yang
tersedia untuk
dijual - setelah
Selisih transaksi
pajak tangguhan/
antara pemegang
Unrealized
saham
losses on changes
entitas anak/
in fair value of
Differences in
available-for-sale
transaction between
financial
shareholders
investments - net
of a subsidiary
of deferred tax
(73.681)
Kerugian
aktuarial atas
program manfaat
pasti-setelah
pajak tangguhan/
Actuarial
losses on
defined benefit plan - Cadangan umum/
net of deferred tax
General reserve
(57.526 )
(205.051 )
341.730
Saldo laba/
Retained earnings
6.045.370
Jumlah/Total
14.292.870
Kepentingan
non-pengendali/
Non-controlling
interest
Jumlah/Total
202.277
14.495.147
89.708
-
4.086
-
93.794
-
1.139.070
1.139.070
26.758
4.492
26.758
1.143.562
7.149.514
15.505.655
237.613
15.743.268
13.470
13.470
13.470
16.368
16.368
16.368
(45.831)
(45.831)
89.708
-
34.926
3.665.370
4.555.587
34.541
376.656
(57.313)
(45.831 )
(103.357 )
(115.343 )
(34.926)
Catatan atas laporan keuangan konsolidasian merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian.
The accompanying notes to the consolidated financial statements form an integral part of these
consolidated financial statements.
The original interim consolidated financial statements included herein are in the Indonesian language.
Dapat diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent company
Catatan/
Notes
Saldo 31 Desember 2013
Dampak atas penerapan awal
PSAK 24 (Revisi 2013)
Tambahan modal
disetor/Additional
paid-in capital
Selisih kurs
karena penjabaran
laporan keuangan
dalam mata
uang asing/
Differences
arising from
the translation of
foreign currency
financial
statements
3.512.940
3.219.051
18.060
3.512.940
3.219.051
18.060
152.430
1.336.536
3.011
3.665.370
4.555.587
21.071
Modal saham/
Share capital
54
26,27
(Kerugian)/
keuntungan
yang belum
direalisasi atas
perubahan nilai
wajar investasi
keuangan yang
tersedia untuk
dijual - setelah
Kerugian
Selisih transaksi
pajak tangguhan/
aktuarial atas
antara pemegang
Unrealized (losses)/ program manfaat
saham
gains on changes
pasti-setelah
entitas anak/
in fair value of
pajak tangguhan/
Differences in
available-for-sale
Actuarial
transaction between
financial
losses on
shareholders
investments - net
defined benefit plan - Cadangan umum/
of a subsidiary
of deferred tax
net of deferred tax
General reserve
(73.681)
(94.871 )
Jumlah/Total
5.368.385
(218.003 )
46.232
(218.003 )
264.475
5.414.617
12.042.588
188.260
12.230.848
1.488.966
1.488.966
3.011
3.011
37.345
37.345
37.345
12.952
-
77.255
-
(205.051 )
341.730
(73.681)
(73.681)
(94.871 )
(57.526 )
(77.255)
708.008
6.045.370
12.214.359
Jumlah/Total
264.475
Saldo laba/
Retained earnings
Kepentingan
non-pengendali/
Non-controlling
interest
(171.771)
12.952
708.008
14.292.870
194.042
(5.782)
(116)
14.133
202.277
12.408.401
(177.553)
12.836
722.141
14.495.147
Catatan atas laporan keuangan konsolidasian interim merupakan bagian yang tidak terpisahkan dari laporan keuangan konsolidasian interim.
The accompanying notes to the interim consolidated financial statements form an integral part of these interim
consolidated financial statements.
2015
2014 *)
14.646.412
13.908.173
(7.304.740)
(7.417.202)
(2.663.316)
(2.641.280)
(2.211.090)
(1.984.978)
1.347.543
1.281.607
101.104
3.915.913
(Kenaikan)/penurunan aset
operasi:
Penempatan pada Bank
Indonesia dan bank lain
Efek-efek yang diperdagangkan
Tagihan atas wesel ekspor
Kredit yang diberikan dan
piutang/pembiayaan Syariah
Piutang pembiayaan
konsumen
Beban dibayar dimuka dan
aset lain-lain
Kenaikan/(penurunan)
liabilitas operasi:
Liabilitas segera
Simpanan dari nasabah
dan bank lain
Liabilitas lain-lain
3.135.844
15
15
(6.527.644)
(3.811.675)
(346.473)
(1.908.801)
(651.681)
(588.803)
(32.851)
139.086
1.323.013
10.457
(200.627)
(647.263)
485.580
(7.447.127)
Non-operating income/
(expenses) received/(paid) - net
(3.481.783)
(418.044)
118.416
435.062
(146.946)
8.496.395
(Increase)/decrease in
operating assets:
Placements with Bank
Indonesia and other banks
Trading securities
Receivables from export bills
Loans and Sharia
receivables/financing
Consumer financing
receivables
Prepayments and other
assets
Increase/(decrease) in
operating liabilities:
Obligations due immediately
Deposits from customers
and other banks
Other liabilities
75.864
(392.221)
(227.025)
13.571.617
30.379
(10.476)
2.416.732
2.706.425
12.762
(302.455)
10
2015
2014 *)
618.891
NET INCREASE
IN CASH AND CASH
EQUIVALENTS
35.336
14.017
1.500.000
1.497.204
(8.238)
8.519.067
2.289.250
1.396.520
(462.908)
KENAIKAN NETO
KAS DAN SETARA KAS
4.729.803
2.550.000
290.956
(3.339.200)
(1.958.950)
19.163.235
18.486.335
424.890
58.009
19.163.235
28.107.192
PENGUNGKAPAN TAMBAHAN
Kas dan setara kas terdiri dari:
Kas
Giro pada Bank Indonesia
Giro pada bank lain
Penempatan pada
Bank Indonesia dan
bank lain yang jatuh
tempo dalam 3 bulan
dari tanggal akuisisi
1.978.750
2.195.531
5
6
10.329.997
1.852.052
9.850.805
1.313.223
13.946.393
5.505.069
298.607
SUPPLEMENTARY DISCLOSURES
Cash and cash equivalents
consist of:
Cash
Current accounts with
Bank Indonesia
Current accounts with other banks
Placements with Bank
Indonesia and other
banks that will mature
within 3 months from
the date of acquisition
Certificates of Bank Indonesia
that will mature
within 3 months from
the date of acquisition
28.107.192
19.163.235
11
UMUM
a.
1.
Pendirian
GENERAL
a.
Establishment
PT
Bank
Maybank
Indonesia
Tbk
(d/h PT Bank Internasional Indonesia Tbk)
(Bank) adalah perusahaan terbatas yang
didirikan di Republik Indonesia pada tahun
1959, berdasarkan akta No. 53 tanggal 15 Mei
1959 dari notaris pengganti Soeleman
Ardjasasmita, S.H. Akta telah diubah dengan
akta No. 9 tanggal 4 Agustus 1959 dan No. 21
tanggal 6 Oktober 1959 dari notaris
Eliza Pondaag, S.H. di Jakarta. Akta pendirian
ini telah mendapat pengesahan dari Menteri
Kehakiman Republik Indonesia melalui Surat
Keputusannya No. J.A.5/112/18 tanggal
2 November 1959 dan telah didaftarkan ke
Kantor Pengadilan Negeri Jakarta dengan
No. 2116 tanggal 5 November 1959.
PT
Bank
Maybank
Indonesia
Tbk
(formerly PT Bank Internasional Indonesia
Tbk) (the Bank) is a limited liability company
established in the Republic of Indonesia in
1959 by virtue of notarial deed No. 53 dated
May 15, 1959 of substitute notary Soeleman
Ardjasasmita,
S.H.
The
deed
was
subsequently amended by notarial deeds
No. 9 dated August 4, 1959 and No. 21 dated
October 6, 1959 of Notary Eliza Pondaag,
S.H., in Jakarta. The deed of establishment
was approved by the Minister of Justice of the
Republic of Indonesia in his Decision Letter
No. J.A.5/112/18 dated November 2, 1959 and
was registered in the Jakarta Court of Justice
under
registration
No.
2116
dated
November 5, 1959.
12
UMUM (lanjutan)
1.
a. Pendirian (lanjutan)
GENERAL (continued)
a.
Establishment (continued)
13
UMUM (lanjutan)
1.
a. Pendirian (lanjutan)
GENERAL (continued)
a.
Establishment (continued)
Pada
tanggal
7
April
2009,
Bank
menyelenggarakan Rapat Umum Pemegang
Saham Luar Biasa yang menyetujui untuk
mengubah
Anggaran
Dasar
Perseroan
sehubungan dengan pengkonversian saham
Seri C ke saham Seri B serta mengubah
beberapa pasal Anggaran Dasar untuk
disesuaikan
dengan
Peraturan
Badan
Pengawas Pasar Modal No. IX.J.1 tanggal
14 Mei 2008. Perubahan ini didokumentasikan
dalam akta No. 6 dari notaris Engawati Gazali,
S.H., tanggal 7 April 2009 dan telah disetujui
oleh Menteri Hukum dan Hak Asasi
Manusia Republik Indonesia melalui Surat
No. AHU-AH.01.10-05099 tanggal 1 Mei 2009.
14
UMUM (lanjutan)
1.
a. Pendirian (lanjutan)
GENERAL (continued)
a.
Establishment (continued)
15
UMUM (lanjutan)
1.
a. Pendirian (lanjutan)
GENERAL (continued)
a.
Establishment (continued)
1.
1.
2.
2.
16
UMUM (lanjutan)
1.
a. Pendirian (lanjutan)
GENERAL (continued)
a.
Establishment (continued)
b.
Persentase kepemilikan/
Percentage of ownership
Domisili/
Domicile
Jenis
usaha/
Nature of
business
PT Maybank Indonesia
Finance (d/h PT BII
Finance Center)
Jakarta
Pembiayaan/Multi-financing
1991
99,99%
99,99%
PT Wahana Ottomitra
Multiartha Tbk
Jakarta
Pembiayaan/Multi-financing
1982
68,55%
62,00%
Entitas anak/
Subsidiaries
Tahun
operasi komersial/
Start of
commercial operations
31 Desember/December 31
2015
2014
Jumlah aset/
Total assets
Domisili/
Domicile
Jenis
usaha/
Nature of
business
PT Maybank Indonesia
Finance (d/h PT BII
Finance Center)
Jakarta
Pembiayaan/Multi-financing
1991
4.929.545
4.198.689
PT Wahana Ottomitra
Multiartha Tbk
Jakarta
Pembiayaan/Multi-financing
1982
5.314.258
5.300.188
Entitas anak/
Subsidiaries
17
Tahun
operasi komersial/
Start of
commercial operations
31 Desember/December 31
2015
2014
UMUM (lanjutan)
1.
GENERAL (continued)
b.
18
UMUM (lanjutan)
1.
GENERAL (continued)
b.
Berdasarkan
CSPA
tersebut,
Bank
memperoleh kendali atas WOM. Oleh karena
itu sejak tanggal penyelesaian akuisisi tersebut
laporan keuangan WOM dikonsolidasikan ke
dalam laporan keuangan konsolidasian Bank.
UMUM (lanjutan)
1.
Ottomitra
Multiartha
GENERAL (continued)
b.
Tbk
Ottomitra
Multiartha
Tbk
Melalui
surat
Bank
Indonesia
No. 7/24/DPwB1/PwB14/Rahasia
tanggal
29 April 2005, No. 8/9/DPB2/TPB2-1/Rahasia
tanggal
23
Juni
2006
dan
No. 9/106/DPB2/TPB2-5 tanggal 27 Juni 2007
Bank telah mendapatkan persetujuan atas
akuisisi WOM dari Bank Indonesia.
Based
on
Bank
Indonesia
letter
No.
7/24/DPwB1/PwB14/Rahasia
dated
April 29, 2005, No. 8/9/DPB2/TPB2-1/Rahasia
dated
June
23,
2006
and
No. 9/106/DPB2/TPB2-5 dated June 27, 2007
the Bank has obtained approval from Bank
Indonesia for the acquisition of WOM.
On July 4, 2011, the Bank increased its shareownership in WOM by purchasing 239,400,000
shares owned by IFC representing 11.97%
shares of the total issues shares in WOM. The
total purchase price is Rp125,110 including fee
cost amounting Rp276. Such increase in
been
approved
share-ownership
has
by Bank Indonesia as stated in its
letter
No.
13/23/DPB-2/TPB2-5
dated
February 7, 2011.
UMUM (lanjutan)
1.
GENERAL (continued)
c.
In
February
1997,
the
Bank
sold
1,289,579,469 Series A shares through
Limited Public Offering II (rights issue II), in
which 286,573,215 Series I warrants were
attached. In this offering, each holder of 27
Series A shares received a pre-emptive rights
for 18 new Series A shares with a subscription
price of Rp750 (full amount) per share, and
four Series I warrants were attached to each
group of 18 newly issued Series A shares, free
of charge. The subscription right was
exercisable in multiples of 9 Series A shares
for Rp6,750 (full amount). The total proceeds
from this rights issue II amounted to
Rp967,185. This rights issue II was approved
by the shareholders in their Shareholders
Extraordinary General Meeting held on
December 27, 1996. The Bank received a
notice of effectivity from the BAPEPAM
through its
Decision Letter No. S2093/PM/1996 dated December 28, 1996 for
this rights issue II.
21
UMUM (lanjutan)
1.
GENERAL (continued)
c.
Public offering
(continued)
of
the
Banks
shares
22
UMUM (lanjutan)
1.
GENERAL (continued)
c.
Public offering
(continued)
of
the
Banks
shares
23
UMUM (lanjutan)
1.
GENERAL (continued)
c.
Public offering
(continued)
of
the
Banks
shares
24
President Commissioner
Commissioner
Commissioner
Independent Commissioner
Independent Commissioner
Independent Commissioner
UMUM (lanjutan)
1.
GENERAL (continued)
d. Composition of the Banks management
(continued)
The composition of the Board of Directors as
of December 31, 2015 and 2014 are as
follows:
Susunan
Direksi
pada
tanggal
31 Desember 2015 dan 2014 adalah sebagai
berikut:
Taswin Zakaria
President Director
Legal & Compliance Director and
Corporate Secretary (Independent) *)
Finance Director
Operations and Information
Technology Director
Retail Banking Director **)
Global Banking Director
Business Banking Director
Human Capital Director ***)
Risk Management Director
Dhien Tjahajani
Thilagavathy Nadason
Ghazali bin Mohd Rasad
Lani Darmawan
Eri Budiono
Jenny Wiriyanto
Irvandi Ferizal
Henky Sulistyo
31 Desember/December 31, 2014
Presiden Direktur
Taswin Zakaria
Direktur Hukum & Kepatuhan dan
Sekretaris Perusahaan
Dhien Tjahajani
Direktur Keuangan
Thilagavathy Nadason
Direktur Operasional dan
Teknologi Informasi
Ghazali bin Mohd Rasad
Direktur Perbankan Ritel
Lani Darmawan
Direktur Perbankan Global
Direktur Perbankan Bisnis
Jenny Wiriyanto
Direktur Sumber Daya Manusia (Independen)
Ani Pangestu
Direktur Manajemen Risiko
Henky Sulistyo
President Director
Legal & Compliance Director and
Corporate Secretary
Finance Director
Operations and Information
Technology Director
Retail Banking Director
Global Banking Director
Business Banking Director
Human Capital Director (Independent)
Risk Management Director
*)
*)
**)
**)
***)
***)
25
UMUM (lanjutan)
1.
GENERAL (continued)
d. Composition of the Banks management
(continued)
The composition of the Sharia Supervisory
Board as of December 31, 2015 and
2014 are as follows:
Chairman
Member
Member
31 Desember/December 31
2015
Ketua
Sekretaris Eksekutif/
Anggota
Anggota
Anggota
2.
2014
Achjar Iljas
Chairman
Executive Secretary/
Member
Member
Member
KEBIJAKAN AKUNTANSI
2.
ACCOUNTING POLICIES
a.
a.
Dasar penyusunan
konsolidasian
laporan
keuangan
Pernyataan Kepatuhan
Statement of Compliance
26
2.
keuangan
27
2.
keuangan
Dalam
penyusunan
laporan
keuangan
konsolidasian
sesuai
dengan
standar
akuntansi keuangan di Indonesia, dibutuhkan
estimasi dan asumsi yang mempengaruhi:
a.
a.
b.
b.
Figures
in
the
consolidated
financial
statements are rounded to and stated in
millions of Rupiah unless otherwise stated.
28
2.
29
2.
c.
Bank
and
(continued)
subsidiaries
accounting
c.
Presentation currency
The consolidated financial statements are
presented in Rupiah, which is the
functional currency of the Bank and
subsidiaries.
Laporan
keuangan
konsolidasian
dijabarkan dalam mata uang Rupiah, yang
merupakan mata uang fungsional Bank
dan entitas anak.
ii.
30
2.
Akun
modal
dijabarkan
dengan
menggunakan kurs historis; dan
31
2.
and
overseas
branches
d.
2014
13.785
20.439
11.452
15.057
12.385
19.288
10.356
15.053
d.
US Dollar 1/Rp
Great Britain Poundsterling 1/Rp
Japanese Yen 100/Rp
European Euro 1/Rp
32
2.
Aset keuangan
Financial assets
Setelah
pengukuran
awal,
aset
keuangan yang dikelompokkan dalam
kategori ini diukur sebesar nilai
wajarnya, keuntungan atau kerugian
yang
belum
direalisasi
akibat
perubahan
nilai
wajar
instrumen
keuangan tersebut diakui dalam laporan
laba rugi dan penghasilan komprehensif
lain
konsolidasian
sebagai
Penurunan/(kenaikan) nilai instrumen
keuangan.
33
2.
34
2.
35
Those
that
the
Bank
and
subsidiaries
intend
to
sell
immediately or in the near term;
which are classified as held-fortrading, and those the Bank and
subsidiaries designate as at fair
value through profit and loss;
2.
Those
that
the
Bank
and
subsidiaries, upon initial recognition,
recognized as available-for-sale; or
Financial liabilities
36
2.
b) Financial
liabilities
amortized cost
b) Liabilitas
keuangan
yang
diukur
berdasarkan
biaya
perolehan
diamortisasi
measured
at
Liabilitas
keuangan
yang
diukur
berdasarkan
biaya
perolehan
diamortisasi
merupakan
liabilitas
keuangan yang selain atau tidak diukur
pada nilai wajar melalui laporan laba
rugi.
Financial
liabilities
measured
at
amortized cost were financial liabilities
that are not classified as fair value
through profit or loss.
Setelah
pengakuan
awal,
Bank
mengukur seluruh liabilitas keuangan
yang diukur dengan biaya perolehan
yang
diamortisasi
dengan
menggunakan metode suku bunga
efektif (EIR).
37
2.
Tabel
berikut
menyajikan
klasifikasi
instrumen keuangan Bank dan entitas anak
berdasarkan karakteristik dari instrumen
keuangan tersebut:
Instrumen Keuangan
Klasifikasi/Classification
Aset keuangan:
Financial Instruments
Financial assets:
Kas
Cash
Investasi keuangan
Financial investments
Securities purchased
under resale agreement
(reverse repo)
Derivatives receivable
Tagihan akseptasi
Acceptances receivable
Accrued income
38
2.
Klasifikasi/Classification
Financial liabilities:
Liabilitas keuangan:
Liabilitas segera
Simpanan nasabah
Liabilitas derivatif
Liabilitas akseptasi
Surat
berharga
diterbitkan
Financial Instruments
(continued)
yang
Pinjaman diterima
Derivatives payable
Acceptances payable
Securities issued
Borrowings
Obligasi subordinasi
Subordinated bonds
39
2.
Penghentian Pengakuan
Derecognition
Liabilitas
keuangan
dihentikan
pengakuannya
pada
saat
liabilitas
dihentikan atau dibatalkan atau berakhir.
Saling Hapus
Offset
40
2.
Nilai Wajar
Fair Value
Bank
uses
valuation
techniques
appropriate in the circumstances and for
which sufficient data are available to
measure fair value, maximising the use of
relevant observable inputs and minimising
the use of unobservable inputs.
Input
level
1:
Quoted
prices
(unadjusted) in active markets for
identical asset or liabilities.
Input
level
3:
teknik
yang
menggunakan input yang memiliki
pengaruh signifikan terhadap nilai
wajar yang tercatat yang tidak
berdasarkan data pasar yang dapat
diobservasi.
41
2.
Keuangan
a)
a)
b)
b)
Reklasifikasi
(lanjutan)
Instrumen
42
2.
Keuangan
c)
Reklasifikasi
(lanjutan)
Instrumen
43
2.
Keuangan
Reclassification
of
available-of-sale
financial asset to loans and receivables or
to held-to-maturity financial asset is
recorded at cost or amortized cost. Gain or
loss which has previously been recognized
in equity shall be amortized to profit or loss
over the remaining life of the investment
using the effective interest rate (EIR)
method for held-to-maturity financial asset.
While for a financial asset that does not
have a fixed maturity, the gain or loss shall
remain in equity until the financial asset is
sold or otherwise disposed of, when it shall
be recognized in profit or loss.
Reklasifikasi
(lanjutan)
Instrumen
Sebelum
pengakuan
awal,
Bank
menentukan klasifikasi investasi pada sukuk
berdasarkan tujuan investasi Bank. Investasi
sukuk dapat diukur pada biaya perolehan
atau nilai wajar:
Biaya perolehan
Acquisition Cost
If the investment is held within a
business model that aims to collect
contractual cash flows and there is a
contractual requirement to determine
the specific date of principal payments
and/or the result.
2.
Nilai Wajar
Fair Value
a)
b)
c)
45
2.
Penyajian
Presentation
Investment
income
and
amortization
expense are presented in net amount in the
consolidated statement of profit or loss and
other comprehensive income.
Reklasifikasi
Reclassification
46
2.
e.
Penyajian
Presentation
e.
47
f.
2.
The
Minimum
(continued)
Statutory
Reserve
f.
48
h.
i.
2.
h.
Trading securities
Investasi keuangan
i.
Financial investments
Financial investments represent investments in
marketable
securities,
government
recapitalization bonds classified as either heldto-maturity, measured at cost or available-forsale, investment in shares and receivable from
export bills.
49
2.
2.
Jika
Bank
akan
menjual
atau
mengklasifikasikan kembali investasi-investasi
yang dimiliki hingga jatuh tempo sebelum jatuh
tempo (selain dari kondisi-kondisi spesifik
tertentu sebagaimana diungkapkan pada
Catatan 2d) melebihi jumlah yang tidak
signifikan, seluruh kategori tersebut akan
terpengaruh dan harus diklasifikasikan kembali
sebagai investasi tersedia untuk dijual.
Selanjutnya Bank tidak diperbolehkan untuk
mengklasifikasikan aset keuangan sebagai
dimiliki hingga jatuh tempo selama dua tahun
berikutnya.
50
j.
2.
j.
Securities
purchased
under
agreement (Reverse Repo)
resale
k.
1.
2.
3.
51
2.
Kredit
yang
diberikan
piutang/pembiayaan Syariah
financial
instruments
Derivative
(continued)
dan
l.
52
2.
Kredit
yang
diberikan
dan
piutang/pembiayaan Syariah (lanjutan)
Restrukturisasi Kredit
Loan Restructuring
53
2.
Kredit
yang
diberikan
dan
piutang/pembiayaan Syariah (lanjutan)
l.
n.
Dalam
kegiatan
bisnis
biasa,
Bank
memberikan jaminan keuangan, seperti letters
of credit, bank garansi dan akseptasi.
n.
54
2.
Consumer
(continued)
financing
receivables
Berdasarkan
perjanjian
kerjasama
pembiayaan bersama konsumen tanpa
jaminan (without recourse), entitas anak hanya
menyajikan porsi jumlah angsuran piutang
yang dibiayai entitas anak (pendekatan neto).
Pendapatan pembiayaan konsumen disajikan
setelah dikurangi dengan bagian yang
merupakan hak bank-bank dalam rangka
transaksi
tersebut.
Untuk
pembiayaan
bersama konsumen dengan jaminan (with
recourse), piutang pembiayaan konsumen
merupakan seluruh jumlah angsuran dari
pelanggan dan kredit yang disalurkan oleh
penyedia dana dicatat sebagai liabilitas
(pendekatan bruto).
Based on the
consumer joint financing
agreements (without recourse), the subsidiary
only presents the portion of the total
installments receivable financing by the
subsidiary (net approach). The consumer
financing income is presented net of amounts
of the banks rights on such income relating to
the transactions. For consumer joint financing
agreements
(with
recourse), consumer
financing receivables represent all consumers
installments and the total facilities financed by
creditors are recorded as liability (gross
approach).
pembiayaan
pembiayaan
Termasuk
dalam
konsumen
adalah
murabahah.
piutang
piutang
55
2.
financing
receivables
Consumer
(continued)
o.
56
2.
57
2.
For the financial assets classified as availablefor-sale, Bank assesses at each consolidated
statements of financial position data whether
there is objective evidence that a financial
asset or a group of financial assets is impaired.
In the case of equity instruments classified as
available-for-sale, a significant or prolonged
decline in the fair value of the security below
its cost is objective evidence of impairment
resulting in the recognition of an impairment
loss. If any such evidence exists for availablefor-sale financial assets, the cumulative loss
measured as the difference between the
acquisition cost and the current fair value is
removed from equity and recognized in the
consolidated statement of profit or loss and
other comprehensive income.
58
2.
The recoverable amount of an assets or CashGenerating Unit (CGU) is greater of its value in
use and its fair value less cost to sell. In
assessing value in use, the estimated future
cash flows are discounted to their present
value using a pre-tax discount rate that reflects
current market assessment of the time value of
money and the risk specific to the assets.
59
p.
2.
p.
Bangunan:
Permanen
Non-permanen
Aset tetap di luar bangunan:
Peralatan kantor dan instalasi
Kendaraan bermotor
Mesin ATM
5%
10%
20%
20% - 33,33%
12,50%
Buildings:
Permanent
Non-permanent
Fixed assets other than buildings:
Office equipment and installation
Motor vehicles
ATM machines
q.
2.
Biaya
perbaikan
dan
pemeliharaan
dibebankan ke dalam laporan laba rugi dan
penghasilan komprehensif lain konsolidasian
selama tahun dimana biaya-biaya tersebut
terjadi. Biaya renovasi yang besar dicatat
sebagai bagian dari nilai tercatat aset yang
bersangkutan apabila terdapat kemungkinan
Bank dan entitas anak akan mendapatkan
manfaat ekonomi masa depan dari aset
tersebut yang melebihi standar kinerja yang
diperkirakan sebelumnya. Renovasi yang
besar tersebut akan disusutkan selama sisa
masa manfaat aset yang terkait.
q.
Intangible assets
i.
i. Goodwill
Goodwill
Goodwill merupakan selisih neto antara
harga perolehan investasi dan bagian Bank
atas nilai wajar aset neto entitas anak yang
diakuisisi pada tanggal akuisisi.
61
2.
Amortization
is
recognized
in
the
consolidated statement of profit or loss and
other comprehensive income from the date
those software is available for use until the
economic benefits of software is ended.
62
s.
t.
2.
Foreclosed assets
Management evaluates
the value of
foreclosed assets periodically. An allowance
for possible losses on foreclosed assets is
provided based on the decline in value of
foreclosed assets.
Reconditioning
costs
incurred
after
repossession of foreclosed assets are
capitalized as part of the foreclosed assets.
s.
Liabilitas segera
t.
63
v.
2.
Simpanan nasabah
a. Wadiah
merupakan
wadiah
yadadhamanah yakni titipan dana dalam
bentuk giro dan tabungan dimana pemilik
dana mendapatkan pendapatan bonus.
a.
b.
c.
v.
64
2.
diterbitkan
dan
a.
Securities issued
b.
b. Obligasi subordinasi
Subordinated bonds
Subordinated
bonds
are
initially
recognized at fair value and subsequently
measured at amortized cost using the
effective interest rate (EIR) method.
Amortized cost is calculated by taking into
account any discount or premium on
subordinated bonds and transaction costs
that are an integral part of the effective
interest rate (EIR).
65
y.
2.
Pinjaman diterima
Borrowings
y.
66
Pendapatan
(lanjutan)
dan
beban
bunga
2.
Syariah
Interest income
(continued)
and
expense
Sharia
The
consumer
financing
income
of
subsidiaries is presented net of amounts of the
banks portion on such income relating to the
cooperation transactions of loan channeling,
joint financing and receivable transfer and
appointment as an agent to administer the
transferred receivable (Note 2n).
67
z.
2.
Pelunasan
sebelum
masa
pembiayaan
konsumen berakhir diperlakukan sebagai
suatu
pembatalan kontrak
pembiayaan
konsumen dan laba atau rugi yang timbul,
diakui dalam laporan laba rugi dan
penghasilan komprehensif lain konsolidasian
tahun berjalan.
z.
68
2.
aa. Perpajakan
aa. Taxation
69
2.
a.
a.
b.
b.
c.
c.
a.
a.
b.
b.
70
2.
Kewajiban pensiun
Pension obligations
71
dan
manfaat
2.
karyawan
and
employee
benefit
Imbalan
pasca-kerja
secara
aktuaris
ditentukan berdasarkan metode Projected Unit
Credit.
72
2.
73
2.
with
related
parties
f) Entitas
yang
dikendalikan
atau
dikendalikan bersama oleh orang yang
diidentifikasi sebagaimana dimaksud
dalam angka 1); atau
74
2.
ae. Transactions
(continued)
with
related
parties
pihak
75
akuntansi
2.
dan
accounting
policies
and
SFAS
No.
1
(Revised
2013),
Presentation of Financial Statements,
adopted from IAS 1, specifies changes of
the grouping of items presented in other
comprehensive income. Item to be
reclassified to profit or loss would be
presented separately from items that will
never be reclassified to profit or loss.
76
2.
dan
policies
and
PSAK
No.
67,
Pengungkapan
Kepentingan dalam Entitas Lain, yang
diadopsi dari IFRS 12, mencakup semua
pengungkapan yang diatur sebelumnya
dalam PSAK No. 4 (Revisi 2009), PSAK
No. 12 (Revisi 2009) dan PSAK No. 15
(Revisi 2009). Pengungkapan ini terkait
dengan kepentingan entitas dalam entitasentitas lain.
IFAS
No.
26
(Revised
2014),
Reassessment
on
Embedded
Derivatives, adopted from IFRIC 9,
77
3.
Going concern
78
3.
1.
2.
3.
79
4.
3.
KAS
4.
CASH
31 Desember/December 31
2015
Rupiah
Dolar Amerika Serikat
Mata uang asing lainnya
2014
1.724.231
228.877
25.642
1.817.920
332.494
45.117
1.978.750
2.195.531
80
Rupiah
United States Dollar
Other foreign currencies
5.
KAS (lanjutan)
4.
CASH (continued)
5.
31 Desember/December 31
2015
Rupiah
Dolar Amerika Serikat
2014
7.505.497
2.824.500
7.244.412
2.606.393
10.329.997
9.850.805
Rupiah
United States Dollar
81
6.
parties,
counterparties
and
31 Desember/December 31
2015
Rupiah
Pihak berelasi (Catatan 43)
PT Bank Maybank Syariah
Indonesia
Pihak ketiga
PT Bank Central Asia Tbk
PT Bank KEB Hana
PT Bank Rakyat Indonesia
(Persero) Tbk
The Hongkong and Shanghai
Banking Corporation Ltd.,
Jakarta
PT Bank Mandiri (Persero) Tbk
PT Bank Pan Indonesia Tbk
PT Bank Muamalat Indonesia Tbk
Lain-lain
Pihak ketiga
Chemical Bank, New York
Deutsche Bank AG, New York
PT Bank Mandiri (Persero) Tbk
Development Bank of
Singapore, Singapura
Citibank N.A., Jakarta
Standard Chartered Bank,
New York
Barclays Bank Plc, London
ANZ Banking Group Ltd.,
Melbourne
PT Bank Central Asia Tbk
Citibank N.A., New York
PT Bank ICBC Indonesia
Wachovia Bank, Carolina Utara
Bank of America
Bank of New York, New York
Shinkin Central Bank
Reserve Bank of India, Mumbai
United Overseas Bank (UOB),
Singapura
Sumitomo Mitsui Banking
Corporation, Tokyo
2014
Rupiah
Related party (Note 43)
414
205
182.062
11.590
256.629
6.747
11.302
4.356
8.869
6.654
3.243
3.108
22.166
6.899
4.112
101.924
24.920
248.994
405.587
249.408
405.792
2.088
2.057
61
426
4.571
61
758.387
296.719
75.207
433.127
146.951
72.886
70.657
16.497
39.798
59.447
45.886
61.459
10.230
35.111
30.618
27.831
26.441
22.624
19.460
16.375
12.541
6.341
14.943
36.995
17.923
12.685
12.229
16.065
50.343
-
5.914
5.546
10.643
82
Subtotal - Rupiah
Foreign currencies
Related party (Note 43)
UBS AG, Switzerland
Malayan Banking
Berhad, London
Malayan Banking
Berhad, Kuala Lumpur
Third parties
Chemical Bank, New York
Deutsche Bank AG, New York
PT Bank Mandiri (Persero) Tbk
Development Bank of
Singapore, Singapore
Citibank N.A., Jakarta
Standard Chartered Bank,
New York
Barclays Bank Plc, London
ANZ Banking Group Ltd.,
Melbourne
PT Bank Central Asia Tbk
Citibank N.A., New York
PT Bank ICBC Indonesia
Wachovia Bank, North Carolina
Bank of America
Bank of New York, New York
Shinkin Central Bank
Reserve Bank of India, Mumbai
United Overseas Bank (UOB),
Singapore
Sumitomo Mitsui Banking
Corporation, Tokyo
6.
counterparties
and
31 Desember/December 31
2015
Pihak ketiga (lanjutan)
Commonwealth Bank of
Australia, Sidney
The Bank of Mauritius
Lain-lain
2014
4.947
243
4.892
8.569
18.913
1.598.073
907.370
1.602.644
907.431
1.852.052
1.313.223
(151)
1.851.901
b.
(149)
1.313.074
Berdasarkan kolektibilitas
b. By collectibility
31 Desember/December 31
Klasifikasi
Lancar
Macet
2015
2014
1.851.905
147
1.313.076
147
1.852.052
1.313.223
83
Classification
Current
Loss
6.
31 Desember/December 31
2015
Rupiah
Mata uang asing
d.
2014
0,40%
0,01%
0,22%
0,01%
Rupiah
Foreign currencies
31 Desember/December 31
2015
Saldo awal
Penyisihan/(pemulihan) selama
tahun berjalan (Catatan 37)
Selisih akibat perbedaan kurs
2014
149
234
697
(695)
(66)
(19)
151
149
Saldo akhir
7.
Beginning balance
Provision/(reversal) during
the year (Note 37)
Exchange rate differences
Ending balance
7.
31 Desember/December 31
2015
Pihak ketiga
Rupiah
Penempatan pada Bank Indonesia
Fasilitas simpanan Bank
Indonesia Syariah
Fasilitas simpanan
Bank Indonesia
2014
1.384.000
665.600
979.551
829.868
2.363.551
1.495.468
84
Third parties
Rupiah
Placement with Bank Indonesia
Deposit facilities of Bank
Indonesia Sharia
Deposit facilities of
Bank Indonesia
7.
31 Desember/December 31
2015
Pihak ketiga (lanjutan)
Rupiah (lanjutan)
Call money
Citibank N.A., Jakarta
Standard Chartered Bank Co.
Ltd., Jakarta
PT Bank Pan Indonesia Tbk
PT Bank CIMB Niaga Tbk
The Hongkong and Shanghai
Banking Corporation Ltd.,
Jakarta
PT Bank Jabar Banten Tbk
PT Bank OCBC NISP Tbk
PT Bank Pembangunan
Daerah Jawa Timur Tbk
The Bank of Tokyo Mitsubishi
UFJ. Ltd., Jakarta
PT Bank Bukopin
PT Bank ICBC Indonesia
PT Bank Pembangunan
Daerah Riau Kepri
PT Bank Rakyat Indonesia
(Persero) Tbk
Deposito berjangka
PT Bank Muamalat Indonesia Tbk
PT Bank Victoria International Tbk
Sertifikat deposito
PT Bank BRISyariah
PT Bank CIMB Niaga
Tbk, Syariah
2014
Third parties (continued)
Rupiah (continued)
Call money
Citibank N.A., Jakarta
Standard Chartered Bank Co.
Ltd., Jakarta
PT Bank Pan Indonesia Tbk
PT Bank CIMB Niaga Tbk
The Hongkong and Shanghai
Banking Corporation Ltd.,
Jakarta
PT Bank Jabar Banten Tbk
PT Bank OCBC NISP Tbk
PT Bank Pembangunan
Daerah Jawa Timur Tbk
The Bank of Tokyo Mitsubishi
UFJ. Ltd., Jakarta
PT Bank Bukopin
PT Bank ICBC Indonesia
PT Bank Pembangunan
Daerah Riau Kepri
PT Bank Rakyat Indonesia
(Persero) Tbk
550.000
250.000
150.000
150.000
110.000
100.000
100.000
75.000
70.000
60.000
50.000
25.000
20.000
1.710.000
15.000
5.000
20.000
100.000
100.000
20.000
120.000
100.000
4.213.551
1.595.468
Subtotal - Rupiah
Foreign currencies
Placement with Bank Indonesia
Deposit facilities of Bank
Indonesia Sharia
4.480.125
85
Time deposits
PT Bank Muamalat Indonesia Tbk
PT Bank Victoria International Tbk
Certificate of deposit
PT Bank BRISyariah
PT Bank CIMB Niaga Tbk,
Syariah
7.
31 Desember/December 31
2015
Pihak ketiga (lanjutan)
Mata uang asing (lanjutan)
Call money
National Bank of Kuwait, Singapura
PT Bank Rakyat Indonesia
(Persero) Tbk
United Overseas Bank Singapura
Landesbank Baden-Wurttemberg
First Gulf Bank, Singapura
Bank of China, Jakarta
Citibank N.A., London
Sumitomo Mitsui Banking
Corporation, Singapura
Royal Bank of Canada, Sydney
Deposito berjangka
Bank Indonesia
YES Bank Limited
Dikurangi: Cadangan
kerugian penurunan nilai
Jumlah
2014
396.853
253.706
206.775
97.590
61.317
60.502
20.980
-
185.775
234.405
115.730
86.695
60.890
844.017
937.201
4.411.200
-
2.972.400
78.364
4.411.200
3.050.764
9.735.342
3.987.965
13.948.893
5.583.433
(1.200)
13.947.693
(1.000)
5.582.433
Time deposits
Bank Indonesia
YES Bank Limited
86
7.
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 - 3 bulan
2014
4.208.551
5.000
1.595.468
-
4.213.551
1.595.468
9.735.342
-
3.909.601
29.386
48.978
9.735.342
3.987.965
13.948.893
5.583.433
Information
Note 53.
Rupiah
<= 1 month
> 1 - 3 months
Foreign currencies
<= 1 month
> 1 - 3 months
> 3 - 6 months
on
maturities
is
disclosed
in
31 Desember/December 31
2015
Rupiah
Penempatan pada
Bank Indonesia
Call money
Deposito berjangka
Sertifikat Deposito
2014
Rupiah
5,52%
6,24%
9,37%
6,46%
0,28%
0,85%
0,78%
9,34%
0,17%
0,13%
5,75%
6,14%
10,28%
6,79%
31 Desember/December 31
2015
2014
Saldo awal
Penyisihan selama
tahun berjalan (Catatan 37)
Selisih akibat perbedaan kurs
1.000
Saldo akhir
1.200
210
(10)
87
600
400
-
Beginning balance
Provision during the
year (Note 37)
Exchange rate differences
1.000
Ending balance
8.
Cadangan
(lanjutan)
kerugian
penurunan
7.
nilai
d. Allowance
(continued)
for
impairment
losses
8.
TRADING SECURITIES
a.
31 Desember/December 31
2015
Rupiah
Surat Utang Negara
Surat Perbendaharaan Negara
Obligasi rekapitalisasi pemerintah
210.275
195.084
41.179
14.263
41.201
446.538
55.464
4.937
3.148
451.475
58.612
b.
2014
Rupiah
Government Promissory Notes
State Treasury Notes
Government recapitalization bonds
Foreign currency
Government Promissory Notes
b.
By issuer
31 Desember/December 31
2015
2014
Rupiah
Pemerintah dan BUMN
55.464
Rupiah
Government and state-owned
enterprises
4.937
3.148
Foreign currency
Government and state-owned
enterprises
451.475
58.612
446.538
88
EFEK-EFEK
(lanjutan)
c.
YANG
Berdasarkan tanggal
peringkat efek
DIPERDAGANGKAN
jatuh
tempo
8.
dan
31 Desember/December 31
2015
Rupiah
< = 1 tahun
> 1 tahun - 5 tahun
> 5 tahun - 10 tahun
> 10 tahun
362.788
64.242
19.508
1.388
12.774
41.201
101
446.538
55.464
263
1.622
3.052
1.374
773
1.001
4.937
3.148
451.475
58.612
d.
2014
Rupiah
< = 1 year
> 1 year - 5 years
> 5 years - 10 years
> 10 years
Foreign currency
> 1 year - 5 years
> 5 years - 10 years
> 10 years
31 Desember/December 31
2015
Rupiah
Mata uang asing
9.
2014
7,60%
5,26%
INVESTASI KEUANGAN
7,91%
5,73%
9.
Rupiah
Foreign currency
FINANCIAL INVESTMENTS
Financial investments, as stated in Note 2i,
consisted of:
31 Desember/December 31
2015
Efek-efek
Dimiliki hingga jatuh tempo
Diukur pada biaya perolehan
Tersedia untuk dijual
Pinjaman yang diberikan dan piutang
2014
1.190.814
20.000
4.432.188
444.741
20.000
6.809.082
698.361
6.087.743
7.527.443
3.579.368
3.580.884
89
Marketable securities
Held-to-maturity
At acquisition cost
Available-for-sale
Loans and receivables
9.
31 Desember/December 31
2015
Penyertaan saham
Tersedia untuk dijual
Jumlah
Dikurangi: Cadangan kerugian
penurunan nilai
- Efek-efek
- Penyertaan saham
2014
4.552
4.552
Investments in shares
Available-for-sale
9.671.663
11.112.879
Total
(201.657)
(3.132)
(236.543)
(3.232)
(204.789)
(239.775)
9.466.874
10.873.104
31 Desember/December 31
2015
Saldo awal
Penyisihan selama
tahun berjalan (Catatan 37)
Dihapusbukukan selama tahun berjalan
Selisih akibat perbedaan kurs
Saldo akhir
2014
239.775
234.249
147.053
(206.775)
24.736
204.789
2.029
3.497
Beginning balance
Provision during the
year (Note 37)
Write-of during the year
Exchange rate differences
239.775
Ending balance
Information
Note 53.
on
maturities
is
disclosed
in
31 Desember/December 31
2015
Saldo awal - sebelum pajak
penghasilan tangguhan
Penambahan (rugi)/laba yang belum
direalisasi selama tahun berjalan - neto
2014
(79.078)
(130.118)
(24.700)
129.651
(36.514)
(78.611)
(140.292)
36.935
(79.078)
21.552
(103.357)
(57.526)
90
9.
Efek-efek
a.
Marketable securities
a.
Keuntungan/
(kerugian)
yang belum
direalisasi/
Unrealized
gains/(losses)
Saldo yang
belum
diamortisasi/
Unamortized
amount
Lancar/
Current
Dalam
perhatian
khusus/
Special
mention
Macet/
Loss
Jumlah/
Total
Pihak ketiga
Rupiah
Dimiliki hingga jatuh tempo
Surat Berharga Syariah
Negara
Diukur pada biaya perolehan
Obiligasi sukuk ijarah
dan mudharabah
Third parties
Rupiah
Held-to-maturity
522.527
522.527
522.527
20.000
10.000
10.000
20.000
Acquisition cost
Sukuk ijarah and
mudharabah bonds
1.246.624
1.241.264
(41.127)
(30.612)
1.205.497
1.192.652
18.000
1.205.497
1.210.652
246.086
124.997
85.000
(156)
1.316
(152)
245.930
126.313
84.848
245.930
126.313
84.848
2.943.971
(70.731)
2.855.240
18.000
2.873.240
Available-for-sale
Sertifikat Bank
Indonesia Syariah
Tagihan atas wesel
300.000
497
(4)
300.000
493
300.000
493
300.497
(4)
300.493
300.493
3.716.260
3.786.995
(4)
(70.731)
3.688.260
28.000
Foreign currency
379.088
43.578
422.666
422.666
Held-to-maturity
Government Promissory Notes
245.621
245.621
245.621
624.709
43.578
668.287
668.287
Total held-to-maturity
975.788
599.552
(6.128)
(10.264)
969.660
383.157
206.131
969.660
589.288
1.575.340
(16.392)
1.352.817
206.131
1.558.948
125.048
19.200
144.248
Available-for-sale
Certificate of Bank
Indonesia Sharia
Export bills receivables
(1.046)
Jumlah efek-efek
mata uang asing
2.345.343
42.532
(16.392)
2.146.152
19.200
206.131
2.371.483
Jumlah
6.132.338
42.528
(87.123)
5.834.412
19.200
234.131
6.087.743
Total
91
9.
Efek-efek (lanjutan)
a.
Keuntungan/
(kerugian)
yang belum
direalisasi/
Unrealized
gains/(losses)
Saldo yang
belum
diamortisasi/
Unamortized
amount
Macet/
Loss
Jumlah/
Total
Pihak ketiga
Rupiah
Diukur pada biaya perolehan
Obiligasi sukuk ijarah
dan mudharabah
Third parties
Rupiah
20.000
2.344.050
1.804.698
792.542
134.584
5.075.874
10.000
10.000
20.000
Acquisition cost
Sukuk ijarah and
mudharabah bonds
1.487
(30.483)
(13.963)
1.785
2.345.537
1.756.215
778.579
136.369
18.000
-
2.345.537
1.774.215
778.579
136.369
(41.174)
5.016.700
18.000
5.034.700
Available-for-sale
5.576.519
(41.174)
480.645
480.645
Certificate of Bank
Indonesia Sharia
5.507.345
28.000
5.535.345
Foreign currency
Available-for-sale
1.082.916
672.532
19.680
(746)
1.102.596
300.195
371.591
1.102.596
671.786
1.755.448
18.934
1.402.791
371.591
1.774.382
(805)
217.716
217.716
Jumlah efek-efek
mata uang asing
1.973.969
(805)
18.934
1.620.507
371.591
1.992.098
Jumlah
7.550.488
(805)
(22.240)
7.127.852
399.591
7.527.443
Total
92
9.
Efek-efek (lanjutan)
b.
b.
By issuer
Nilai perolehan/
Acquisition
cost
Nilai wajar/
Fair value
Nilai tercatat/
Carrying
amount
Dimiliki hingga
Jatuh tempo/
Held-tomaturity
Diukur pada
biaya perolehan/
Acquisition cost
Tersedia
untuk dijual/
Availablefor-sale
Pinjaman yang
diberikan
dan piutang/
Loans and
receivables
Jumlahl
Total
Rupiah
Pemerintah dan BUMN
Bank
Lainnya
522.527
-
10.000
10.000
1.801.669
440.658
630.913
300.000
493
-
2.634.196
441.151
640.913
522.527
20.000
2.873.240
300.493
3.716.260
668.287
-
1.105.830
130.721
322.397
39.066
105.182
1.774.117
169.787
427.579
668.287
1.558.948
144.248
2.371.483
1.190.814
20.000
4.432.188
444.741
6.087.743
Rupiah
Government and state-owned
enterprises
Banks
Others
Foreign currencies
Government and state-owned
enterprises
Banks
Others
Nilai wajar/
Fair value
Nilai tercatat/
Carrying
amount
Diukur pada
biaya perolehan/
Acquisition cost
Tersedia
untuk dijual/
Availablefor-sale
Pinjaman yang
diberikan
dan piutang/
Loans and
receivables
Jumlahl
Total
Rupiah
Pemerintah dan BUMN
Bank
Lainnya
10.000
10.000
3.604.395
558.927
871.378
480.645
-
4.095.040
558.927
881.378
20.000
5.034.700
480.645
5.535.345
1.181.652
12.266
580.464
165.657
52.059
1.181.652
177.923
632.523
1.774.382
217.716
1.992.098
20.000
6.809.082
698.361
7.527.443
93
Rupiah
Government and state-owned
enterprises
Banks
Others
Foreign currencies
Government and state-owned
enterprises
Banks
Others
9.
Efek-efek (lanjutan)
c.
Peringkat
Lembaga
pemeringkat/
Rating company
31 Desember/December 31
2015
Rupiah
Dimiliki hingga jatuh tempo
Tanpa peringkat
Sukuk ijarah dan mudharabah
diukur pada biaya perolehan
idAA+
Tanpa peringkat
522.527*)
Pefindo
Fitch
Pefindo
Pefindo
Pefindo
Fitch
Pefindo
Pefindo
Fitch
Fitch
Fitch
Pefindo
Fitch
20.000
20.000
466.100
352.261
127.679
109.204
87.595
59.512
49.546
25.605
1.595.738***)
327.368
372.427
242.890
169.039
89.612
345.021
50.326
77.319
88.787
54.845
49.814
25.139
3.142.113***)
2.873.240
5.034.700
300.493****)
Moodys
422.666
245.621*)
Foreign currencies
Held-to-maturity
Baa3
Non-rated
668.287
1.402.788
371.594***)
1.558.948
1.774.382
144.248****)
217.716****)
2.371.483
1.992.098
6.087.743
7.527.443
5.535.345
1.352.817
206.131***)
*)
480.645****)
3.716.260
Moodys
Rupiah
Held-to-maturity
Non-rated
10.000
10.000**)
Rating
10.000
10.000**)
2014
Available-for-sale
Baa3
Non-rated
Total available-for-sale
Loan and receivables
Non-rated
Sub total - foreign currency
*)
**)
***)
****)
94
9.
Efek-efek (lanjutan)
d.
By maturity
Berikut
ini
adalah
pengelompokan
berdasarkan tanggal jatuh tempo dan
tujuan
investasi
dari
efek-efek
konsolidasian:
(i) Held-to-maturity
31 Desember/December 31
2015
2014
Nilai tercatat/
Carrying amount
Nilai tercatat/
Carrying amount
Rupiah
> 1 tahun - 5 tahun
522.527
Rupiah
> 1 year - 5 years
668.287
Foreign currencies
> 1 year - 5 years
1.190.814
2014
10.000
10.000
10.000
10.000
20.000
20.000
Rupiah
< = 1 year
> 1 year - 5 years
(iii) Available-for-sale
Rupiah
< = 1 tahun
> 1 tahun - 5 tahun
> 5 tahun - 10 tahun
> 10 tahun
2015
2014
Nilai wajar/
Fair value
Nilai wajar/
Fair value
634.105
1.194.152
937.831
107.152
3.112.384
1.842.560
29.942
49.814
2.873.240
5.034.700
95
Rupiah
< = 1 year
> 1 year - 5 years
> 5 years - 10 years
> 10 years
9.
9.
Efek-efek (lanjutan)
d.
Berdasarkan
(lanjutan)
tanggal
jatuh
tempo
d.
By maturity (continued)
(iii) Available-for-sale (continued)
2014
Nilai wajar/
Fair value
Nilai wajar/
Fair value
253.471
1.016.391
180.283
108.803
332.763
1.145.184
296.435
-
1.558.948
1.774.382
4.432.188
6.809.082
Foreign currencies
< = 1 year
> 1 year - 5 years
> 5 years - 10 years
> 10 years
e.
2014
Rupiah
< = 1 tahun
300.493
480.645
Rupiah
< = 1 year
144.248
217.716
Foreign currencies
< = 1 year
444.741
698.361
e.
31 Desember/December 31
2015
Rupiah
Mata uang asing
II.
2014
8,85%
6,90%
8,09%
7,24%
II.
Rupiah
Foreign currency
a.
3.637.962
> 1 - 5 tahun/
years
-
> 5 - 10 tahun/
years
3.579.368
Jumlah/
Total
3.579.368
Available-for-sale
3.637.962
> 1 - 5 tahun/
years
-
2.486.917
96
> 5 - 10 tahun/
years
1.093.967
Jumlah/
Total
3.580.884
Available-for-sale
Obligasi
(lanjutan)
b.
rekapitalisasi
9.
pemerintah
II.
Government
(continued)
b.
recapitalization
bonds
Nomor
seri/
Serial
number
Nilai
nominal/
Nominal
amount
Suku bunga
per tahun/
Interest rate
per annum
Tanggal
jatuh
tempo/
Due date
Frekuensi
pembayaran
bunga/
Frequency of
interest
payment
Available-for-sale
VR0028
674.799
6,34%
VR0029
1.836.998
6,34%
VR0031
1.126.165
6,23%
Jumlah tersedia
untuk dijual
25 Agustus/
August 25, 2018
25 Agustus/
August 25, 2019
25 Juli/
July 25, 2020
3 bulan/months
Variable rate
3 bulan/months
3 bulan/months
3.637.962
Total available-for-sale
Nomor
seri/
Serial
number
Nilai
nominal/
Nominal
amount
Suku bunga
per tahun/
Interest rate
per annum
Tanggal
jatuh
tempo/
Due date
Frekuensi
pembayaran
bunga/
Frequency of
interest
payment
Available-for-sale
VR0028
674.799
5,97%
VR0029
1.836.998
5,97%
VR0031
1.126.165
6,34%
Jumlah tersedia
untuk dijual
3 bulan/months
Variable rate
3 bulan/months
3 bulan/months
3.637.962
Total available-for-sale
25 Agustus/
August 25, 2018
25 Agustus/
August 25, 2019
25 Juli/
July 25, 2020
31 Desember/December 31
2015
Usaha
Perbankan/
Banking
Lain-lain
97
2014
1.269
1.269
3.283
3.283
4.552
4.552
9.
Other
investments
represent long-term
investments.
These
companies
are
PT Aplikanusa Lintas Arta, PT Sarana
Bersama Pembiayaan Indonesia, PT Sarana
Sulsel Ventura, PT Sarana Bali Ventura,
PT Sarana
Sumatera
Barat
Ventura,
PT Sarana Lampung Ventura, PT Sarana
Sumsel Ventura, PT Sarana Jambi Ventura,
PT Sarana Kalbar Ventura, PT Sarana Sulut
Ventura, PT Bhakti Sarana Ventura,
PT Penjamin Kredit Pengusaha Indonesia,
PT Sarana Riau Ventura and PT Sarana
Sumut Ventura.
31 Desember/December 31
Klasifikasi
2015
Lancar
Diragukan
Macet
2014
Classification
1.320
1.200
2.032
1.320
1.200
2.032
4.552
4.552
Current
Doubtful
Loss
Nasabah/
Counterparty
Jenis efek-efek/
Type of securities
Nilai nominal/
Nominal
amount
Tanggal
dimulai/
Starting date
Tanggal
jatuh tempo/
Due date
Nilai
penjualan
kembali/
Resale
amount
Pendapatan
bunga yang
belum
diamortisasi/
Unamortized
interest
Nilai tercatat/
Carrying
value
Pihak ketiga/
Third parties
Rupiah
Bank Indonesia
PT Bank Jabar
Banten
PT Bank Jabar
Banten
500.000
8 Desember/
December 8,
2015
5 Januari/
January 5,
2016
380.985
(269)
380.716
200.000
29 Desember/
December 29,
2012
5 Januari/
January 5,
2016
173.849
(193)
173.656
100.000
29 Desember/
December 29,
2012
5 Januari/
January 5,
2016
800.000
92.994
(103)
92.891
647.828
(565)
647.263
98
99
DAN
LIABILITAS
DERIVATIF
a. By
type, currency and related party
(continued)
Jumlah
Tagihan
derivatif/
Derivatives
receivable
117.172
7.353
Liabilitas
derivatif/
Derivatives
payable
816.732
89.879
36.934
2.361
474
53
11.148.193
2.126
106.580
-
119.320
4
12.056.930
145.875
119.851
3.076.240
4.884
1.531.669
10.215
3.933
62
Third parties
Swap
United States Dollar
Related to exchange rate
contracts and interest rate
Third parties
Swap
United States Dollar
Other foreign currencies
185.014
-
254.159
3.288.053
185.014
254.159
20.070.064
353.341
378.005
(4.047)
Third parties
Forward
United States Dollar
Other foreign currencies
Swap
United States Dollar
Other foreign currencies
1.682.094
1.605.959
Dikurangi: cadangan
kerugian penurunan nilai
Total
Less: Allowance for impairment
losses
349.294
100
DAN
LIABILITAS
DERIVATIF
a.
By type, currency
(continued)
and
related
party
Jumlah
Tagihan
derivatif/
Derivatives
receivable
105.273
1.371
Liabilitas
derivatif/
Derivatives
payable
2.489.226
171.852
21.214
1.591
52.090
1.658
10.683.549
2.913
53.976
-
13.798
24
13.347.540
76.781
67.570
2.238.931
3.339
2.182.855
21.424
6.780
59
Third parties
Swap
United States Dollar
Related to exchange rate
contracts and interest rate
Third parties
Swap
United States Dollar
Other foreign currencies
103.081
-
147.550
2.139
1.486.473
103.081
149.689
19.361.072
205.996
224.098
(517)
Third parties
Forward
United States Dollar
Other foreign currencies
Swap
United States Dollar
Other foreign currencies
1.341.417
145.056
Dikurangi: cadangan
kerugian penurunan nilai
Total
Less: Allowance for impairment
losses
205.479
101
DAN
LIABILITAS
DERIVATIF
b.
a.
and
related
party
b.
By maturity
As of December 31, 2015 and 2014, the tenure
of the forward foreign currency contracts were
between 7 - 375 days and 14 - 735 days,
foreign currency swaps were between 5 - 371
days and between 5 - 371 days.
By type, currency
(continued)
Berdasarkan kolektibilitas
c. By collectibility
31 Desember/December 31
2015
2014
Klasifikasi
Lancar
Dalam perhatian khusus
Macet
349.294
4.047
195.648
10.348
-
Classifications
Current
Special mention
Loss
Saldo akhir
353.341
205.996
Ending balance
102
DAN
LIABILITAS
DERIVATIF
31 Desember/
December 31, 2014
Saldo awal
Penyisihan selama tahun
berjalan (Catatan 37)
Selisih akibat perbedaan kurs
517
3.286
244
519
(2)
Saldo akhir
4.047
517
Ending balance
Beginning balance
Provision during the
year (Note 37)
Exchange rate differences
e.
31 Desember/December 31
2015
2014
Foreign currencies
To be paid
1M Libor+567 3M Libor +600
0,61% - 7,01%
1M Libor+575 6M Libor
2,61% - 7,85%
1M Libor+575 6M Libor
-
To be received
8,75% - 10,75%
9,00% - 10,75%
5,70% - 9,65%
5,40% - 9,56%
To be received
Fixed interest rate
Foreign currencies
To be paid
3M Libor+150 6M Libor
3M Libor+185 6M Libor
6M Libor
2,90% - 7,00%
103
DAN
LIABILITAS
DERIVATIF
e.
12. KREDIT
YANG
DIBERIKAN
PIUTANG/PEMBIAYAAN SYARIAH
a.
Berdasarkan
kolektibilitas
jenis,
mata
DAN
uang
12. LOANS
AND
RECEIVABLES/FINANCING
dan
SHARIA
Lancar/
Current
Rupiah
Korporasi
Komersial/Usaha
Kecil Menengah (UKM)
UKM
Komersial
Lain-lain
Konsumen
Kredit Kendaraan
Bermotor
Kredit Pemilikan
Rumah (KPR)
Home equity loans
(Maxima)
Kartu kredit
Pinjaman tanpa
agunan (PITA)
Pinjaman pendidikan
Lain-lain
Syariah
Jumlah
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Diragukan/
Doubtful
Macet/
Loss
Jumlah/
Total
8.163.846
74.991
472.459
8.711.296
Rupiah
Corporate
21.435.460
12.815.982
3.412.543
199.611
24.922
-
74.239
-
31.508
2.651
-
280.540
52.218
-
22.021.358
12.895.773
3.412.543
Commercial/Small and
Medium Enterprises (SME)
SME
Commercial
Others
11.839.666
1.767.987
35.361
46.773
39.571
13.729.358
Auto loans
11.021.441
550.657
35.319
32.451
76.343
11.716.211
Mortgage (KPR)
3.188.430
2.140.045
184.390
126.605
7.902
20.345
8.980
41.419
10.668
-
1.092.513
1.176.351
82.462
81.594
7.938
576
16.364
549
19
70
1.199.277
19
1.259.140
5.460.640
279.758
29.022
10.106
80.889
5.860.415
81.746.917
3.372.977
210.702
190.801
1.012.777
86.534.174
7.748.663
814.604
23.571
365.038
1.524.559
10.476.435
Foreign currencies
Corporate
Consumer
1.383.049
2.853.613
4.731
-
12.206
66.477
1.399.986
2.920.090
Commercial/Small and
Medium Enterprises
(SME)
Commercial
26.107
26.107
Consumer
Others
Sharia
2.443.578
401.337
2.844.915
14.455.010
814.604
23.571
369.769
2.004.579
17.667.533
96.201.927
4.187.581
234.273
560.570
3.017.356
104.201.707
Dikurangi:
Cadangan kerugian
penurunan nilai
(1.871.461)
102.330.246
104
Total
Less:
Allowance for
impairment losses
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
a.
uang
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
dan
a. By type,
(continued)
currency
and
collectibility
Lancar/
Current
Rupiah
Korporasi
Komersial/Usaha
Kecil Menengah (UKM)
UKM
Komersial
Lain-lain
Konsumen
Kredit Kendaraan
Bermotor
Kredit Pemilikan
Rumah (KPR)
Home equity loans
(Maxima)
Kartu kredit
Pinjaman tanpa
agunan (PITA)
Pinjaman pendidikan
Lain-lain
Syariah
Jumlah
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Diragukan/
Doubtful
Macet/
Loss
Jumlah/
Total
8.995.135
668.634
320.116
9.983.892
Rupiah
Corporate
23.734.656
7.694.606
2.684.475
152.547
-
15.350
6.497
-
48.147
1.171
-
325.624
137.477
-
24.276.324
7.839.751
2.684.475
Commercial/Small and
Medium Enterprises (SME)
SME
Commercial
Others
Consumer
11.156.649
1.497.281
23.085
31.506
41.191
12.749.712
Auto loans
10.988.809
412.289
8.021
12.200
33.501
11.454.820
Mortgage (KPR)
2.688.545
1.933.904
58.483
129.256
9.026
15.353
5.834
29.201
3.380
18
999.617
635.648
50.717
21.435
5.550
975
7.447
12
302
19
42
3.738.192
269.863
33.454
13.755
9.553
4.064.817
75.250.236
3.260.505
117.311
469.389
551.114
79.648.555
10.815.709
628.867
247.700
695.641
12.387.917
Foreign currencies
Corporate
1.962.103
2.337.612
1.146
-
6.285
-
10.663
37.267
1.980.197
2.374.879
Commercial/Small and
Medium Enterprises (SME)
SME
Commercial
26.811
26.811
Consumer
Others
1.235.708
376.603
1.612.311
Sharia
16.377.943
1.006.616
247.700
6.285
743.571
18.382.115
91.628.179
4.267.121
365.011
475.674
1.294.685
98.030.670
Dikurangi:
Cadangan kerugian
penurunan nilai
Sharia
Total
Less:
Allowance for
impairment losses
(1.274.973)
96.755.697
Information
Note 53.
105
on
maturities
is
disclosed
in
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
b.
c.
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
Jaminan kredit
b.
Loan collateral
c.
By economic sector
Loans classified by economic sector are as
follows:
Lancar/
Current
Rupiah
Pertanian dan perhutanan
Pertambangan
Perindustrian
Listrik, gas dan air
Konstruksi
Perdagangan, restoran
dan hotel
Angkutan, gudang dan
komunikasi
Jasa-jasa dunia usaha
Jasa-jasa sosial/
masyarakat
Lain-lain
Jumlah
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Diragukan/
Doubtful
Macet/
Loss
Jumlah/
Total
Rupiah
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Construction
1.318.079
811.618
10.058.637
1.026.626
3.416.417
1.608
10.659
25.972
411
73.524
1.181
30.645
9.620
2.651
10.877
157
1.537
59.782
472.456
20.883
1.322.405
824.928
10.185.913
1.499.493
3.520.601
18.049.030
139.304
31.153
13.229
208.549
18.441.265
1.720.545
11.323.280
8.185
45.969
5.795
6.219
7.794
37.094
52.473
1.771.619
11.435.735
559.975
33.462.710
41.770
3.025.575
1.132
124.957
156.093
160.003
602.877
36.929.338
Social/public services
Others
81.746.917
3.372.977
210.702
190.801
1.012.777
86.534.174
1.697.367
1.360.723
5.938.873
1.621.303
17.870
26.729
26.212
365.038
4.731
-
677.784
138.173
54.045
525.182
-
2.375.151
1.863.934
6.024.378
2.146.485
44.082
1.313.569
4.127
1.317.696
1.095.159
1.351.474
661.086
100.577
23.571
458.351
146.917
2.214.596
1.622.539
32.562
26.110
32.562
26.110
Social/public services
Others
14.455.010
814.604
23.571
369.769
2.004.579
17.667.533
96.201.927
4.187.581
234.273
560.570
3.017.356
104.201.707
Dikurangi:
Cadangan kerugian
penurunan nilai
(1.871.461)
102.330.246
106
Foreign currencies
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Construction
Total
Less:
Allowance for
impairment losses
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
c.
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
c.
Lancar/
Current
Rupiah
Pertanian dan perhutanan
Pertambangan
Perindustrian
Listrik, gas dan air
Konstruksi
Perdagangan, restoran
dan hotel
Angkutan, gudang dan
komunikasi
Jasa-jasa dunia usaha
Jasa-jasa sosial/
masyarakat
Lain-lain
Jumlah
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Diragukan/
Doubtful
Macet/
Loss
Jumlah/
Total
Rupiah
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Construction
762.720
817.717
9.495.622
201.411
2.953.748
5.125
41.022
134.369
499.859
65.906
897
1.933
146
320.116
27.542
-
1.667
79.537
27.643
768.742
1.180.522
9.739.003
701.270
3.047.443
17.385.388
66.672
29.670
15.594
245.084
17.742.408
1.306.051
12.720.497
5.539
58.411
3.171
2.720
6.700
61.441
44.882
1.376.202
12.833.210
404.561
29.202.521
1.136
2.382.466
78.774
99.437
5.036
85.824
410.733
31.849.022
Social/public services
Others
75.250.236
3.260.505
117.311
469.389
551.114
79.648.555
433.475
1.856.002
4.500.835
2.292.238
163.609
58.460
492.819
42.554
5.110
-
626.076
26.160
-
1.059.551
1.856.002
4.590.565
2.785.057
206.163
2.119.328
981
1.175
1.548
2.123.032
3.403.571
1.549.193
411.802
-
247.700
-
87.993
4.063.073
1.637.186
32.881
26.811
1.794
-
34.675
26.811
Social/public services
Others
16.377.943
1.006.616
247.700
6.285
743.571
18.382.115
91.628.179
4.267.121
365.011
475.674
1.294.685
98.030.670
Dikurangi:
Cadangan kerugian
penurunan nilai
(1.274.973)
Foreign currencies
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Construction
Total
Less:
Allowance for
impairment losses
96.755.697
d.
d.
31 Desember/December 31
2015
Pihak berelasi (Catatan 43)
Pinjaman karyawan kunci
Pihak ketiga
2014
120.669
104.081.038
114.578
97.916.092
104.201.707
98.030.670
107
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
e.
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
e.
Berdasarkan
periode
perjanjian
kredit/
Based on loan
period
Rupiah
< = 1 tahun
> 1 - 2 tahun
> 2 - 5 tahun
> 5 tahun
f.
2014
Berdasarkan
sisa umur
jatuh tempo/
Based on
remaining
period until
maturity
Berdasarkan
periode
perjanjian
kredit/
Based on loan
period
Berdasarkan
sisa umur
jatuh tempo/
Based on
remaining
period until
maturity
15.394.961
18.632.161
15.531.110
36.975.942
33.786.095
7.503.273
21.255.779
23.989.027
20.135.755
11.373.492
16.941.301
31.198.007
31.082.938
8.103.579
18.782.483
21.679.555
86.534.174
86.534.174
79.648.555
79.648.555
2.976.130
3.679.587
2.485.844
8.525.972
8.009.107
1.418.675
3.954.605
4.285.146
3.959.134
2.930.238
4.278.556
7.214.187
7.132.087
2.092.589
6.645.535
2.511.904
17.667.533
17.667.533
18.382.115
18.382.115
104.201.707
104.201.707
98.030.670
98.030.670
Tingkat bunga
f.
Rupiah
< = 1 year
> 1 - 2 years
> 2 - 5 years
> 5 years
Foreign currencies
< = 1 year
> 1 - 2 years
> 2 - 5 years
> 5 years
Interest rate
The average interest rates per annum charged
to debtors by the Bank are as follows:
31 Desember/December 31
2015
Rupiah
Mata uang asing
g.
2014
13,16%
5,89%
Kredit sindikasi
12,67%
6,07%
g.
Rupiah
Foreign currencies
Syndicated loans
Keikutsertaan
Bank
sebagai
pimpinan
sindikasi
dan
anggota
sindikasi
per
31 Desember 2015 adalah antara 37% sampai
70% (31 Desember 2014: 70%) dan antara 1%
sampai 26% (31 Desember 2014: 1% sampai
100%) dari jumlah kredit sindikasi.
108
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
h.
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
h.
j.
Pinjaman karyawan
i.
Loans to employees
Kredit restrukturisasi
j.
Restructured loans
Restructured loans include loans with
extensions of credit terms and reduction of
interest rates.
31 Desember/December 31
2015
Kredit yang direstrukturisasi
Dikurangi:
Cadangan kerugian
penurunan nilai
Saldo akhir
2014
3.522.649
3.271.952
Restructured loans
Less:
(460.575)
3.062.074
109
(309.466)
2.962.486
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
k.
Kredit bermasalah
ekonomi
berdasarkan
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
sektor
k.
31 Desember/December 31
2015
Kredit
bermasalah/
Nonperforming
loans
Rupiah
Pertanian dan perhutanan
Pertambangan
Perindustrian
Listrik, gas dan air
Konstruksi
Perdagangan, restoran dan hotel
Angkutan, gudang
dan komunikasi
Jasa-jasa dunia usaha
Jasa-jasa sosial/masyarakat
Lain-lain
*)
2014
Minimum
cadangan/
Minimum
allowance*)
Kredit
bermasalah/
Nonperforming
loans
Minimum
cadangan/
Minimum
allowance*)
2.718
2.651
101.304
472.456
30.660
252.931
488
22.487
472.456
13.562
126.210
897
321.783
109.012
27.789
290.348
135
127.525
47.978
9.840
172.045
42.889
66.486
1.132
441.053
20.277
39.916
170
185.483
64.612
54.302
5.036
264.035
60.458
29.165
1.994
104.852
1.414.280
881.049
1.137.814
553.992
677.784
503.211
58.776
525.182
273.273
138.173
8.599
525.182
626.076
31.270
-
15.007
-
4.127
3.488
2.723
980
458.351
170.488
-
63.068
87.338
-
247.700
87.993
1.794
37.155
33.596
1.794
2.397.919
1.099.121
997.556
88.532
3.812.199
1.980.170
2.135.370
642.524
Rupiah
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Construction
Trading, restaurant and hotel
Transportation, warehouses
and communication
Business services
Social/public services
Others
Foreign currencies
Agriculture and forestry
Mining
Manufacturing
Electricity, gas and water
Trading, restaurant
and hotel
Transportation, warehouses
and communication
Business services
Social/public services
110
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
l.
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
l.
31 Desember/December 31
2015
Saldo awal
Penerimaan dari kredit yang
telah dihapusbukukan
Penyisihan selama
tahun berjalan (Catatan 37)
Penghapusan selama
tahun berjalan
Pendapatan bunga atas kredit
yang diberikan yang mengalami
penurunan nilai secara individual
Selisih akibat perbedaan kurs
Saldo akhir
2014
1.274.973
969.260
71.333
58.534
1.829.876
1.533.997
(1.216.401)
(1.236.953)
(131.022)
42.702
(72.256)
22.391
1.871.461
Beginning balance
Recovery of loans previously
written-off
Provision during the
year (Note 37)
1.274.973
Ending balance
2014
Kolektif/
Collective
Individu/
Individual
Kolektif/
Collective
684.461
590.512
404.880
564.380
71.333
58.534
Beginning balance
752.570
989.168
544.829
(582.316)
(634.085)
(668.145)
(568.808)
Recovery of loans
previously written-off
Provision during the
year
Write-off during the
year
(131.022)
23.532
19.170
(72.256)
30.814
(8.423)
Interest income on
individually
impaired loans
Exchange rate differences
799.500
684.461
1.077.306
1.071.961
111
590.512
Ending balance
12. KREDIT
YANG
DIBERIKAN
DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
l.
Cadangan
(lanjutan)
kerugian
penurunan
12. LOANS
AND
SHARIA
RECEIVABLES/FINANCING (continued)
nilai
l.
Allowance
(continued)
for
impairment
losses
2014
3.459.659
2.792.530
100.742.048
95.238.140
104.201.707
98.030.670
Jumlah
minimum
cadangan
kerugian
penurunan nilai atas kredit yang diberikan
yang wajib dibentuk sesuai dengan ketentuan
Bank Indonesia untuk perhitungan Kewajiban
Penyediaan Modal Minimum (KPMM) adalah
masing-masing sebesar Rp3.029.803 dan
Rp1.696.539 pada 31 Desember 2015 dan
2014. Rasio pemenuhan cadangan kerugian
penurunan nilai untuk kredit yang diberikan
sesuai dengan ketentuan Bank Indonesia pada
tanggal 31 Desember 2015 dan 2014 adalah
sebesar 61,77% dan 75,15%.
Piutang
anak
pembiayaan
konsumen
a. The subsidiaries
receivables
consumer
financing
31 Desember/December 31
2015
Rupiah
Pihak ketiga
Piutang pembiayaan
konsumen - bruto
Dikurangi:
Pendapatan pembiayaan
konsumen yang belum diakui
Dikurangi:
Cadangan kerugian penurunan
nilai
2014
11.175.482
10.821.775
(2.848.426)
(2.550.878)
8.327.056
8.270.897
(167.395)
8.159.661
112
(122.897)
8.148.000
Rupiah
Third parties
Consumer financing
receivables - gross
Less:
Unearned consumer financing
receivables
Less:
Allowance for impairment losses
a.
b.
Piutang pembiayaan
anak (lanjutan)
konsumen
13. CONSUMER
(continued)
entitas
FINANCING
RECEIVABLES
financing
Berdasarkan kolektibilitas
b. By Collectibility
31 Desember/December 31
2015
Klasifikasi
Lancar
Dalam perhatian khusus
Kurang lancar
Diragukan
Macet
2014
6.994.109
1.146.608
58.322
72.372
55.645
7.100.987
995.580
59.589
65.148
49.593
8.327.056
8.270.897
113
Classification
Current
Special mention
Substandard
Doubtful
Loss
13. CONSUMER
(continued)
FINANCING
RECEIVABLES
c. By Maturity
31 Desember/December 31
2015
Berdasarkan
periode
perjanjian
kredit/
Based on
loan period
Rupiah
< = 1 tahun
> 1 - 2 tahun
> 2 - 5 tahun
> 5 tahun
d.
2014
Berdasarkan
sisa umur
jatuh tempo/
Based on
remaining
period until
maturity
Berdasarkan
sisa umur
jatuh tempo/
Based on
remaining
period until
maturity
Berdasarkan
periode
perjanjian
kredit/
Based on
loan period
201.180
1.239.965
6.473.624
412.287
758.280
2.163.028
5.262.844
142.904
463.080
1.527.940
5.928.427
351.450
1.101.422
2.398.269
4.597.414
173.792
8.327.056
8.327.056
8.270.897
8.270.897
Tingkat bunga
Rupiah
< = 1 year
> 1 - 2 years
> 2 - 5 years
> 5 years
d. Interest rate
The average interest rates per annum charged
to debtors are as follows:
31 Desember/December 31
2015
Rupiah
PT Maybank Indonesia
Finance
Mobil
PT Wahana Ottomitra
Multiartha Tbk
Mobil
Motor
e.
2014
14,13%
12,04%
23,91%
43,23%
23,18%
42,75%
e.
Rupiah
PT Maybank Indonesia
Finance
Car
PT Wahana Ottomitra
Multiartha Tbk
Car
Motorcycle
31 Desember/December 31
2015
Saldo awal
Penyisihan selama
tahun berjalan (Catatan 37)
Penghapusan selama
tahun berjalan
Saldo akhir
2014
122.897
83.010
334.812
237.736
(290.314)
(197.849)
167.395
122.897
Beginning balance
Provision during the
year (Note 37)
Write-off during period the year
Ending balance
114
Tagihan akseptasi
a. Acceptances receivable
31 Desember/December 31
2015
Rupiah
Pihak ketiga
Bank lain
Nasabah
Jumlah
Dikurangi:
Cadangan kerugian
penurunan nilai
2014
5.749
772.077
5.099
281.114
777.826
286.213
338
6.897
1.331.490
30.909
2.495.917
1.338.387
2.526.826
1.338.387
2.527.164
2.116.213
2.813.377
2.116.213
Rupiah
Third parties
Other banks
Debtors
Foreign currencies
Related parties (Note 43)
Other banks
Third parties
Other banks
Debtors
Total
Less:
Allowance for impairment
losses
(28.134)
2.785.243
(ii) By collectibility
31 Desember/December 31
2015
Klasifikasi
Lancar
Dikurangi: Cadangan
kerugian penurunan nilai
2014
2.116.213
2.116.213
115
2.813.377
(28.134)
2.785.243
Classification
Current
Less: Allowance for impairment
losses
DAN
LIABILITAS
AKSEPTASI
(iii) By maturity
31 Desember/December 31
2015
Rupiah
< = 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
2014
332.622
300.381
144.823
126.681
143.965
15.567
777.826
286.213
264.222
593.012
418.649
62.504
629.160
990.172
824.836
82.996
1.338.387
2.527.164
2.116.213
2.813.377
Rupiah
< = 1 month
> 1 month - 3 months
> 3 months - 6 months
Foreign currencies
< = 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
for
31 Desember/December 31
2015
Saldo awal
(Pemulihan)/penyisihan
selama tahun
berjalan (Catatan 37)
Selisih akibat
perbedaan kurs
2014
28.134
11.950
Beginning balance
(28.736)
15.536
(Reversal)/provision during
the year (Note 37)
602
648
28.134
Ending balance
Saldo akhir
nilai
116
DAN
LIABILITAS
AKSEPTASI
Liabilitas akseptasi
b.
Acceptances payable
31 Desember/December 31
2015
Rupiah
Pihak ketiga
Bank lain
Nasabah
2014
770.351
6.174
280.145
6.068
776.525
286.213
Rupiah
Third parties
Other banks
Debtors
837
9.948
Foreign currencies
Related parties (Note 43)
Other banks
1.325.902
6.896
2.479.486
33.847
Third parties
Other banks
Debtors
1.332.798
2.513.333
1.333.635
2.523.281
2.110.160
2.809.494
Biaya perolehan
Kepemilikan langsung:
Tanah
Bangunan, termasuk renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
Aset dalam penyelesaian
2014
398.483
383.286
520.153
1.175.608
421.138
107.043
6.106
498.166
1.070.130
408.257
100.965
831
2.628.531
2.461.635
Akumulasi penyusutan
Kepemilikan langsung:
Bangunan, termasuk renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
260.877
847.349
313.811
61.271
230.245
738.580
264.492
51.162
1.483.308
1.284.479
1.145.223
1.177.156
117
At cost
Direct ownership:
Land
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
Construction in progress
Accumulated depreciation
Direct ownership:
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
1 Januari/
January
Biaya perolehan
Kepemilikan langsung:
Tanah
Bangunan, termasuk
renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
Aset dalam penyelesaian
Akumulasi penyusutan
Kepemilikan langsung:
Bangunan, termasuk
renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
Penambahan/
Additions
Penjabaran
kurs/
Reklasifikasi/
Foreign
currency
translation/
Reclassifications
Pengurangan/
Deductions
31 Desember/
December
383.286
15.197
398.483
498.166
1.070.130
408.257
100.965
831
22.029
118.239
16.101
23.786
5.275
42
13.145
3.381
17.823
-
384
161
115
-
520.153
1.175.608
421.138
107.043
6.106
2.461.635
200.627
34.391
660
2.628.531
230.245
738.580
264.492
51.162
30.674
121.084
52.011
20.443
42
12.577
2.835
10.418
262
143
84
1.284.479
224.212
25.872
489
1.177.156
260.877
847.349
313.811
61.271
At cost
Direct ownership:
Land
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
Construction in progress
Accumulated depreciation
Direct ownership:
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
1.483.308
1.145.223
1 Januari/
January
Biaya perolehan
Kepemilikan langsung:
Tanah
Bangunan, termasuk
renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
Aset dalam penyelesaian
Akumulasi penyusutan
Kepemilikan langsung:
Bangunan, termasuk
renovasi
Peralatan kantor
Instalasi
Kendaraan bermotor
Penambahan/
Additions
Pengurangan/
Deductions
375.312
8.157
183
450.869
856.903
440.607
74.933
475
48.062
144.842
61.490
39.548
356
710
22.757
2.787
13.519
-
2.199.099
302.455
39.956
203.382
553.569
293.559
40.094
27.253
117.954
48.141
18.106
390
8.126
2.077
7.045
1.090.604
211.454
17.638
1.108.495
Penjabaran
kurs/
Reklasifikasi/
Foreign
currency
translation/
Reclassifications
(55)
91.142
(91.053)
3
37
75.183
(75.131)
7
59
31 Desember/
December
383.286
498.166
1.070.130
408.257
100.965
831
2.461.635
230.245
738.580
264.492
51.162
Accumulated depreciation
Direct ownership:
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
1.284.479
1.177.156
118
At cost
Direct ownership:
Land
Buildings, including
leasehold improvements
Office equipment
Installations
Vehicles
Construction in progress
31 Desember/December 31
2015
Nilai buku
Harga jual
Laba penjualan aset tetap
2014
7.888
10.457
6.964
12.762
Book value
Selling price
2.569
5.798
of
Jumlah/
Total
Gedung
Persentase
penyelesaian/
Percentage of
completion
6.106
0%
Estimasi penyelesaian/
Estimated completion
September/September 2017
Building
Jumlah/
Total
Gedung
Persentase
penyelesaian/
Percentage of
completion
831
0%
Estimasi penyelesaian/
Estimated completion
November/November 2016
Building
119
31 Desember/December 31
2015
Perangkat lunak
Goodwill
2014
205.146
7.128
214.468
7.128
212.274
221.596
a. Perangkat lunak
Computer software
Goodwill
a. Computer software
31 Desember/December 31, 2015
1 Januari/
January
Biaya perolehan
Perangkat lunak
Akumulasi amortisasi
Perangkat lunak
Nilai buku neto
Penambahan/
Additions
Reklasifikasi/
Reclassification
528.521
60.444
(314.053)
(70.913)
Koreksi
translasi/
Translation
adjustment
1.507
(360)
214.468
31 Desember/
December
590.472
(385.326)
205.146
At cost
Computer software
Accumulated amortization
Computer software
Net book value
1 Januari/
January
Biaya perolehan
Perangkat lunak
Akumulasi amortisasi
Perangkat lunak
Nilai buku neto
Penambahan/
Additions
418.718
115.268
(255.780)
(58.315)
Reklasifikasi/
Reclassification
(5.491)
92
162.938
Koreksi
translasi/
Translation
adjustment
31 Desember/
December
26
528.521
(50)
(314.053)
214.468
120
At cost
Computer software
Accumulated amortization
Computer software
Net book value
Goodwill
b. Goodwill
31 Desember/December 31
2015
Tagihan lainnya - neto
Piutang bunga - neto
Beban dibayar di muka
Beban ditangguhkan kredit karyawan
Agunan yang diambil alih - neto
Uang muka pembelian
software komputer
Uang muka untuk renovasi
dan perbaikan gedung
Setoran jaminan
Tagihan card center dan Mastercard
Properti terbengkalai - neto
Uang muka dan insentif dealer
Keanggotaan golf
Bea materai
Lain-lain - neto
2014
1.592.778
780.086
665.027
231.619
222.780
1.398.498
697.192
476.485
164.181
155.384
147.806
110.784
141.083
71.986
59.922
24.090
15.279
12.641
10.495
404.489
86.803
57.584
83.016
42.054
32.973
10.926
11.766
395.538
4.380.081
3.723.184
121
17. PREPAYMENTS
(continued)
AND
OTHER
ASSETS
31 Desember/December 31
2015
2014
Saldo awal
Penyisihan/(pemulihan) selama
tahun berjalan (Catatan 38)
Penghapusan selama tahun berjalan
13.002
15.856
12.132
(1.580)
(2.572)
(282)
Saldo akhir
23.554
13.002
Beginning balance
Provision/(reversal) during the
year (Note 38)
Write-off during the year
Ending balance
31 Desember/December 31
2015
Saldo awal
Pemulihan selama
tahun berjalan (Catatan 38)
2014
7.543
7.543
(5.575)
Saldo akhir
1.968
Beginning balance
Reversal during the
year (Note 38)
7.543
Ending balance
31 Desember/December 31
2015
Saldo awal
Penyisihan selama
periode berjalan (Catatan 38)
Penghapusan selama tahun berjalan
Saldo akhir
2014
27
68
(24)
27
-
71
27
122
Beginning balance
Provision during the
period (Note 38)
Write-off during the year
17. PREPAYMENTS
(continued)
AND
OTHER
ASSETS
31 Desember/December 31
2015
2014
Saldo awal
Penyisihan selama tahun berjalan
(Catatan 37)
Penghapusan selama tahun berjalan
Reklasifikasi selama tahun berjalan
Selisih akibat perbedaan kurs
20.346
19.770
2.349
(2.959)
837
1.847
(1.451)
(4)
184
Saldo akhir
20.573
20.346
Beginning balance
Provision during the year
(Note 37)
Write-off during the year
Reclassification during the year
Exchange rate differences
Ending balance
2014
Rupiah
Rupiah
Liabilitas penyelesaian
transaksi kartu kredit
dan travel cheque
Titipan asuransi konsumen
Utang dealer
Titipan konsumen
121.930
89.750
77.751
33.236
86.263
146.148
123.239
52.541
9.745
1.049
359.995
10.788
3.113
305.142
693.456
727.234
11.569
2.933
50.169
2.526
784
125.458
1.275
85.845
140.744
139.815
834.200
867.049
Foreign currencies
Transfers, cheques for
collection and clearing
Unclaimed matured deposits
Settlement liabilities for
credit card and travel
cheque transactions
Other banking liabilities
123
Pihak ketiga
Giro
Tabungan
Deposito berjangka
2014
5.420
29.037
62.740
1.852
31.813
38.167
97.197
71.832
16.152.080
25.570.905
73.666.254
16.342.412
23.422.904
62.026.844
115.389.239
101.792.160
115.486.436
101.863.992
Third parties
Demand deposits
Savings deposits
Time deposits
124
a. Giro
a. Demand deposits
31 Desember/December 31
2015
2014
Pihak berelasi
Rupiah
Mata uang asing
Pihak ketiga
Rupiah
Mata uang asing
5.403
17
1.835
17
5.420
1.852
10.355.879
5.796.201
9.735.931
6.606.481
16.152.080
16.342.412
16.157.500
16.344.264
Related parties
Rupiah
Foreign currencies
Third parties
Rupiah
Foreign currencies
31 Desember/December 31
2015
2014
Rupiah
Mata uang asing
3,02%
0,56%
2,77%
0,63%
Rupiah
Foreign currencies
b. Tabungan
b. Savings deposits
(i) By currency and related party
31 Desember/December 31
2015
Pihak berelasi
Rupiah
Mata uang asing
Pihak ketiga
Rupiah
Mata uang asing
2014
24.277
4.760
27.324
4.489
29.037
31.813
20.840.043
4.730.862
18.640.605
4.782.299
25.570.905
23.422.904
25.599.942
23.454.717
125
Related parties
Rupiah
Foreign currencies
Third parties
Rupiah
Foreign currencies
b. Tabungan (lanjutan)
31 Desember/December 31
2015
Rupiah
Pendidikan
Syariah
Lain-lain
2014
721.327
1.334.321
18.808.672
390.325
973.896
17.303.708
20.864.320
18.667.929
4.101
1.220
4.730.301
4.430
4.782.358
4.735.622
4.786.788
25.599.942
23.454.717
Rupiah
Education
Sharia
Others
Foreign currencies
Education
Sharia
Others
31 Desember/December 31
2015
Rupiah
Mata uang asing
2014
2,52%
0,47%
2,66%
0,47%
Rupiah
Foreign currencies
c. Time deposits
(i) By currency and related party:
31 Desember/December 31
2015
Pihak berelasi
Rupiah
Mata uang asing
Pihak ketiga
Rupiah
Mata uang asing
2014
57.836
4.904
34.568
3.599
62.740
38.167
53.376.380
20.289.874
47.226.871
14.799.973
73.666.254
62.026.844
73.728.994
62.065.011
126
Related parties
Rupiah
Foreign currencies
Third parties
Rupiah
Foreign currencies
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
> 12 bulan
2014
15.783.948
12.266.525
20.127.661
5.223.660
32.422
21.877.082
13.492.081
6.116.939
5.672.086
103.251
53.434.216
47.261.439
8.610.431
4.069.881
5.452.167
1.800.552
361.747
4.170.479
3.335.069
3.857.238
3.110.241
330.545
20.294.778
14.803.572
73.728.994
62.065.011
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
Foreign currencies
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
> 12 bulan
2014
21.608.931
16.625.758
12.761.371
2.426.856
11.300
26.118.185
14.010.054
4.065.361
3.002.631
65.208
53.434.216
47.261.439
10.409.559
5.196.994
3.251.631
1.118.349
318.245
5.463.563
4.645.978
3.029.102
1.371.638
293.291
20.294.778
14.803.572
73.728.994
62.065.011
127
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
Foreign currencies
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
31 Desember/December 31
2015
2014
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
> 12 bulan
6,53%
7,72%
8,47%
7,47%
6,72%
6,73%
8,21%
8,49%
7,49%
5,88%
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
0,75%
1,03%
1,39%
1,86%
2,96%
1,36%
2,00%
2,39%
2,42%
2,74%
Foreign currencies
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
> 12 months
Pihak ketiga
Giro
Tabungan
Deposito berjangka
Sertifikat deposito
Call money
2014
458.837
-
454.792
96.657
458.837
551.449
1.129.461
46.416
263.951
894.797
105.000
528.945
47.939
96.229
533.784
1.190.945
2.439.625
2.397.842
2.898.462
2.949.291
Third parties
Demand deposits
Savings deposits
Time deposits
Certificate of deposits
Call money
Pihak berelasi
Rupiah
Mata uang asing
2014
178.349
280.488
202.870
251.922
458.837
454.792
933.874
195.587
421.072
107.873
1.129.461
528.945
1.588.298
983.737
Pihak ketiga
Rupiah
Mata uang asing
Related parties
Rupiah
Foreign currencies
Third parties
Rupiah
Foreign currencies
Rupiah
Mata uang asing
2014
2,11%
0,46%
mata
Rupiah
Foreign currencies
(i)
2,41%
0,48%
dan
(i)
pihak
31 Desember/December 31
2015
Pihak ketiga
Rupiah
2014
46.416
47.939
(ii)
Third parties
Rupiah
By type
31 Desember/December 31
2015
Rupiah
Lainnya
2014
46.416
129
47.939
Rupiah
Others
b. Saving
deposits
(continued)
(iii)
from
other
banks
31 Desember/December 31
2015
Rupiah
2014
4,42%
Berdasarkan
berelasi
mata
uang
dan
4,51%
Rupiah
pihak
31 Desember/December 31
2015
Pihak ketiga
Rupiah
2014
263.951
Third parties
Rupiah
96.229
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
2014
57.125
126.976
48.950
30.900
29.068
34.571
2.990
29.600
263.951
96.229
(iii) Based on
maturity:
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
the
remaining
period
until
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
2014
68.125
164.476
11.450
19.900
41.068
32.761
4.400
18.000
263.951
96.229
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
31 Desember/December 31
2015
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
2014
6,54%
7,82%
8,75%
7,11%
130
7,04%
8,17%
7,83%
6,25%
Rupiah
<= 1 month
> 1 month - 3 months
> 3 months - 6 months
> 6 months - 12 months
d. Sertifikat Deposito
Certificate of Deposits
(i) Based on currency and related party
31 Desember/December 31
2015
Pihak berelasi
Rupiah
Pihak ketiga
Rupiah
2014
-
96.657
894.797
533.784
894.797
630.441
Related parties
Rupiah
Third parties
Rupiah
31 Desember/December 31
2015
Rupiah
> 3 bulan - 6 bulan
> 6 bulan - 12bulan
> 12 bulan
2014
590.742
304.055
96.657
533.784
894.797
630.441
Rupiah
> 3 month - 6 months
> 6 month - 12 months
> 12 months
31 Desember/December 31
2015
Rupiah
> 1 bulan - 3 bulan
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
2014
303.983
143.755
447.059
96.657
533.784
894.797
630.441
131
Rupiah
> 1 month - 3 months
> 3 month - 6 months
> 6 month - 12 months
31 Desember/December 31
2015
Rupiah
> 3 bulan - 6 bulan
> 6 bulan - 12 bulan
> 12 bulan
2014
8,79%
9,00%
8,72%
8,74%
e.
e. Call money
Rupiah
> 3 month - 6 months
> 6 month - 12 months
> 12 months
Call money
(i) Based on currency and related party
31 Desember/December 31
2015
Pihak ketiga
Rupiah
Mata uang asing
2014
105.000
-
485.000
705.945
105.000
1.190.945
Third parties
Rupiah
Foreign currencies
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
2014
30.000
75.000
270.000
215.000
105.000
485.000
346.780
359.165
705.945
105.000
1.190.945
Rupiah
<= 1 month
> 1 month - 3 months
Foreign currencies
<= 1 month
> 1 month - 3 months
31 Desember/December 31
2015
Rupiah
<= 1 bulan
Mata uang asing
<= 1 bulan
2014
105.000
485.000
Rupiah
<= 1 month
705.945
Foreign currencies
<= 1 month
105.000
1.190.945
132
31 Desember/December 31
2015
2014
Rupiah
<= 1 bulan
> 1 bulan - 3 bulan
6,68%
7,45%
6,62%
7,15%
Rupiah
<= 1 month
> 1 month - 3 months
0,68%
0,67%
Foreign currencies
<= 1 month
> 1 month - 3 months
31 Desember/December 31
2015
Rupiah
Pihak berelasi (Catatan 43)
Obligasi Berkelanjutan Bank
Maybank Indonesia
Sukuk Mudharabah
Berkelanjutan Bank
Maybank Indonesia
Obligasi WOM
Medium-term notes
Pihak ketiga
Obligasi WOM
Obligasi Berkelanjutan Bank
Maybank Indonesia
Obligasi MIF
Call money > 90 hari
Medium-term notes
Sukuk Mudharabah
Berkelanjutan Bank
Maybank Indonesia
2014
446.422
626.936
206.000
-
206.000
116.770
29.979
652.422
979.685
2.267.480
1.868.546
2.130.677
1.788.905
450.000
199.974
2.926.919
1.670.926
169.888
94.000
94.000
6.931.036
6.730.279
7.583.458
7.709.964
619.250
7.583.458
8.329.214
133
Rupiah
Related parties (Note 43)
Shelf Bonds Bank
Maybank Indonesia
Shelf Mudharabah
Sukuk Bank
Maybank Indonesia
Bonds WOM
Medium-term notes
Third parties
Bonds WOM
Shelf Bonds Bank
Maybank Indonesia
Bonds MIF
Call money > 90 days
Medium-term notes
Shelf Mudharabah
Sukuk Bank
Maybank Indonesia
Foreign currencies
Related parties (Note 43)
Call money > 90 days
YANG
b. Obligasi Berkelanjutan
Indonesia
DITERBITKAN
Bank
b.
Maybank
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak berelasi (Catatan 43)
Obligasi Berkelanjutan I
Bank BII Tahap I Tahun 2011
Seri B
Rupiah
Related parties (Note 43)
Shelf Bonds I Bank BII Tranche I
Year 2011
PT Bank Mandiri
(Persero) Tbk idAAA (Pefindo)
6 Desember/
December 6, 2016
60
8,75%
27.000
Obligasi Berkelanjutan I
Bank BII Tahap II Tahun 2012
Seri B
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
31 Oktober/
October 31, 2017
60
8,00%
420.000
447.000
(578)
446.422
Pihak ketiga
Obligasi Berkelanjutan I
Bank BII Tahap I Tahun 2011
Seri B
Series B
Sub-total nominal amountRelated parties
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
6 Desember/
December 6, 2016
60
8,75%
1.533.000
Obligasi Berkelanjutan I
Bank BII Tahap II Tahun 2012
Seri B
Series B
Shelf Bonds I
Bank BII Tranche II Year 2012
Series B
Shelf Bonds I
Bank BII Tranche II Year 2012
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
31 Oktober/
October 31, 2017
60
8,00%
600.000
2.133.000
(2.323)
Series B
Sub-total nominal amountThird parties
Less: Unamortized bonds
issuance cost
2.130.677
2.577.099
*)
134
YANG
b. Obligasi Berkelanjutan
Indonesia (lanjutan)
DITERBITKAN
Bank
Maybank
Shelf Bonds
(continued)
Bank
Maybank
Indonesia
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak berelasi (Catatan 43)
Obligasi Berkelanjutan I
Bank BII Tahap I Tahun 2011
Seri B
Rupiah
Related parties (Note 43)
Shelf Bonds I Bank BII Tranche I
Year 2011
PT Bank Mandiri
(Persero) Tbk idAAA (Pefindo)
6 Desember/
December 6, 2016
60
8,75%
27.000
Obligasi Berkelanjutan I
Bank BII Tahap II Tahun 2012
Seri A
PT Bank Mandiri
(Persero) Tbk
Seri B
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
31 Oktober/
October 31, 2015
36
7,60%
idAAA (Pefindo)
31 Oktober/
October 31, 2017
60
8,00%
200.000
401.000
628.000
(1.064)
626.936
Pihak ketiga
Obligasi Berkelanjutan I
Bank BII Tahap I Tahun 2011
Seri B
Series B
Shelf Bonds I
Bank BII Tranche II Year 2012
Series A
Series B
Sub-total nominal amountRelated parties
Less: Unamortized bonds
issuance cost
Sub-total carrying amountRelated parties
Third parties
Shelf Bonds I
Bank BII Tranche I Year 2011
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
6 Desember/
December 6, 2016
60
8,75%
1.533.000
Obligasi Berkelanjutan I
Bank BII Tahap II Tahun 2012
Series B
Shelf Bonds I
Bank BII Tranche II Year 2012
Seri A
PT Bank Mandiri
(Persero) Tbk
Seri B
PT Bank Mandiri
(Persero) Tbk
idAAA (Pefindo)
31 Oktober/
October 31, 2015
36
7,60%
idAAA (Pefindo)
31 Oktober/
October 31, 2017
60
8,00%
780.000
619.000
2.932.000
(5.081)
Series A
Series B
Sub-total nominal amountThird parties
Less: Unamortized bonds
issuance cost
2.926.919
3.553.855
*)
135
YANG
b. Obligasi Berkelanjutan
Indonesia (lanjutan)
DITERBITKAN
Bank
Maybank
Shelf Bonds
(continued)
Bank
Maybank
Indonesia
136
YANG
b. Obligasi Berkelanjutan
Indonesia (lanjutan)
DITERBITKAN
Bank
Maybank
Shelf Bonds
(continued)
Bank
Maybank
Indonesia
137
YANG
b. Obligasi Berkelanjutan
Indonesia (lanjutan)
DITERBITKAN
Bank
Maybank
Shelf Bonds
(continued)
Bank
Maybank
Indonesia
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Indikatif
bagi hasil
per tahun/
Profit sharing
indicative
per annum
Jumlah/
Total
Rupiah
Pihak berelasi (Catatan 43)
Sukuk Mudharabah Berkelanjutan I
Bank BII Tahap I Tahun 2014
PT Bank Mandiri
(Persero) Tbk idAAA(sy) (Pefindo)
8 Juli/
July 8, 2017
36
9,35%
206.000
Rupiah
Related parties (Note 43)
Shelf Mudharabah Sukuk I
Bank BII Tranche I Year 2014
Pihak ketiga
Sukuk Mudharabah Berkelanjutan I
Bank BII Tahap I Tahun 2014
PT Bank Mandiri
(Persero) Tbk idAAA(sy) (Pefindo)
8 Juli/
July 8, 2017
36
9,35%
94.000
Third parties
Shelf Mudharabah Sukuk I
Bank BII Tranche I Year 2014
300.000
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Indikatif
bagi hasil
per tahun/
Profit sharing
indicative
per annum
Jumlah/
Total
Rupiah
Pihak berelasi (Catatan 43)
Sukuk Mudharabah Berkelanjutan I
Bank BII Tahap I Tahun 2014
PT Bank Mandiri
(Persero) Tbk idAAA(sy) (Pefindo)
8 Juli/
July 8, 2017
36
9,35%
206.000
Rupiah
Related parties (Note 43)
Shelf Mudharabah Sukuk I
Bank BII Tranche I Year 2014
Pihak ketiga
Sukuk Mudharabah Berkelanjutan I
Bank BII Tahap I Tahun 2014
PT Bank Mandiri
(Persero) Tbk idAAA(sy) (Pefindo)
8 Juli/
July 8, 2017
36
9,35%
94.000
Third parties
Shelf Mudharabah Sukuk I
Bank BII Tranche I Year 2014
300.000
*)
138
YANG
DITERBITKAN
c.
139
YANG
DITERBITKAN
c.
140
YANG
DITERBITKAN
c.
d. Obligasi WOM
Bonds WOM
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak ketiga
Obligasi Berkelanjutan I WOM Finance
Tahap I Tahun 2014
PT Bank Mandiri
Seri B
(Persero) Tbk
Obligasi Berkelanjutan I WOM Finance
Tahap II Tahun 2014
PT Bank Mandiri
Seri B
(Persero) Tbk
Obligasi Berkelanjutan I WOM Finance
Tahap III Tahun 2015
PT Bank Mandiri
Seri A
(Persero) Tbk
PT Bank Mandiri
Seri B
(Persero) Tbk
Obligasi Berkelanjutan I WOM Finance
Tahap IV Tahun 2015
PT Bank Mandiri
Seri A
(Persero) Tbk
PT Bank Mandiri
Seri B
(Persero) Tbk
Rupiah
Third parties
Shelf Bonds I WOM Finance
Tranche I Year 2014
AA(idn)
25 Juni/
June 25, 2017
11,00%
173.000
Series B
Shelf Bonds I WOM Finance
Tranche II Year 2014
AA(idn)
5 Desember/
December 5, 2017
36
11,25%
500.000
Series B
Shelf Bonds I WOM Finance
Tranche III Year 2015
AA(idn)
AA(idn)
12 April/
April 12, 2016
2 April/
April 2, 2018
370 hari/
days
9,25%
140.000
36
10,25%
860.000
Series A
Series B
Shelf Bonds I WOM Finance
Tranche IV Year 2015
AA(idn)
AA(idn)
2 Januari/
January 2, 2017
22 Desember/
December 22, 2018
Sub-jumlah nominal
- Pihak ketiga
Dikurangi: Beban emisi
obligasi yang belum
diamortisasi
370 hari/
days
9,35%
203.000
36
10,80%
397.000
2.273.000
(5.520)
*)
36
2.267.480
141
Series A
Series B
Sub-total nominal amount
- Third parties
Less: Unamortized bonds'
issuance cost
Total carrying amount
YANG
DITERBITKAN
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak berelasi (Catatan 43)
Obligasi V WOM Tahun 2011
Seri D
Rupiah
Related parties (Note 43)
Bonds V WOM Year 2011
AA(idn)
4 Maret/
March 4, 2015
48
11,00%
42.000
Seri A
PT Bank Mandiri
(Persero) Tbk
Obligasi Berkelanjutan I WOM Finance
Tahap II Tahun 2014
Seri B
PT Bank Mandiri
(Persero) Tbk
AA(idn)
5 Juli/
July 5, 2015
12
10,25%
11.000
Series A
Shelf Bonds I WOM Finance
Tranche II Year 2014
AA(idn)
5 Desember/
December 5, 2017
36
11,25%
64.000
Series B
Sub-total nominal amount -
Pihak berelasi
Dikurangi: Beban emisi
obligasi yang belum
diamortisasi
117.000
(230 )
Related parties
Less: Unamortized bonds
issuance cost
Sub-total carrying amount -
Pihak berelasi
116.770
Pihak ketiga
Obligasi V WOM Tahun 2011
Seri D
Series D
Shelf Bonds I WOM Finance
Tranche I Year 2014
Related parties
Third parties
Bonds V WOM Year 2011
PT Bank Permata Tbk
AA(idn)
4 Maret/
March 4, 2015
48
11,00%
578.000
Series D
Shelf Bonds I WOM Finance
Tranche I Year 2014
Seri A
PT Bank Mandiri
(Persero) Tbk
AA(idn)
5 Juli/
July 5, 2015
12
10,25%
386.000
Series A
Seri B
PT Bank Mandiri
(Persero) Tbk
AA(idn)
25 Juni/
June 25, 2017
36
11,00%
173.000
Series B
Seri A
PT Bank Mandiri
(Persero) Tbk
AA(idn)
15 Desember/
December 15, 2015
370 hari/
days
10,25%
300.000
Series A
Seri B
PT Bank Mandiri
(Persero) Tbk
AA(idn)
5 Desember/
December 5, 2017
36
11,25%
436.000
Series B
1.873.000
(4.454 )
Pihak ketiga
1.868.546
Third parties
1.985.316
Carrying amount
*)
142
YANG
DITERBITKAN
143
YANG
DITERBITKAN
144
YANG
DITERBITKAN
Based on results of the annual rating on longterm debentures in accordance with Letter No.
RC62/DIR/IV/2015 dated April 15, 2015 from
Fitch Ratings, the Shelf Bonds I Tranche II are
rated at AA(idn) (Double A, Stable Outlook).
Based on results of the annual rating on longterm debentures in accordance with Letter No.
RC62/DIR/IV/2015 dated April 15, 2015 from
Fitch Ratings, the Shelf Bonds I Tranche III are
rated at AA(idn) (Double A, Stable Outlook).
145
YANG
DITERBITKAN
146
YANG
DITERBITKAN
147
YANG
DITERBITKAN
e. Obligasi MIF
Bonds MIF
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak ketiga
Obligasi I BII Finance
Tahun 2012 dengan
Tingkat Bunga Tetap
Seri C
Rupiah
Third parties
Bonds I BII Finance
Year 2012 with Fixed
Interest Rates
PT Bank Permata Tbk
AA+(idn)
7 Juni/
June 7, 2016
48
8,00%
143.000
AA+(idn)
19 Juni/
June 19, 2016
36
7,75%
775.000
Series A
AA+(idn)
19 Juni/
June 19, 2018
60
8,25%
375.000
Series B
Obligasi Berkelanjutan
I BII Finance Tahap I
Tahun 2015 dengan
Tingkat Bunga Tetap
Shelf Bonds I
BII Finance Tranche I
Year 2015 with Fixed
Interest Rates
Seri A
PT Bank Mandiri
(Persero) Tbk
12 November/
AA+(idn) November 12, 2018
36
10,35%
Seri B
PT Bank Mandiri
(Persero) Tbk
12 November /
AA+(idn) November 12, 2020
60
10,90%
Jumlah nominal
300.000
200.000
1.793.000
(4.095)
*)
Series C
Bonds II BII Finance
Year 2013 with Fixed
Interest Rates
1.788.905
Series A
Series B
Total nominal amount
Less: Unamortized bonds
issuance cost
Total carrying amount
Wali amanat/
Trustee*
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
Rupiah
Pihak ketiga
Obligasi I BII Finance
Tahun 2012 dengan
Tingkat Bunga Tetap
Seri B
Seri C
Rupiah
Third parties
Bonds I BII Finance
Year 2012 with Fixed
Interest Rates
PT Bank Permata Tbk
PT Bank Permata Tbk
AA+(idn)
7 Juni/
June 7, 2015
36
7,90%
381.000
AA+(idn)
7 Juni/
June 7, 2016
48
8,00%
143.000
Series C
Bonds II BII Finance
Year 2013 with Fixed
Interest Rates
AA+(idn)
19 Juni/
June 19, 2016
36
7,75%
AA+(idn)
19 Juni/
June 19, 2018
60
8,25%
Jumlah nominal
775.000
375.000
1.674.000
(3.074)
*)
Series B
1.670.926
148
Series A
Series B
Total nominal amount
Less: Unamortized bonds
issuance cost
Total carrying amount
YANG
DITERBITKAN
149
YANG
DITERBITKAN
e.
150
YANG
DITERBITKAN
e.
151
YANG
DITERBITKAN
f.
e.
f.
Agen Pemantauan/
Monitoring Agent*
Pihak ketiga
Medium-term notes V
BII Finance
PT Bank Mandiri
(Persero) Tbk
Peringkat/
Rating
AA+(idn)
Jatuh tempo/
Maturity
26 Februari/
February 26, 2016
Jangka waktu
(bulan)/
Tenor
(in months)
36
Suku bunga
per tahun/
Interest rate
per annum
8,30%
Nilai tercatat/
Carrying
amount
199.974
Third party
Medium-term notes V
BII Finance
199.974
*)
Agen Pemantauan/
Monitoring Agent*
Pihak berelasi (Catatan 43)
Medium-term notes V
BII Finance
Pihak ketiga
Medium-term notes V
BII Finance
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Nilai tercatat/
Carrying
amount
PT Bank Mandiri
(Persero) Tbk
AA+(idn)
26 Februari/
February 26, 2016
36
8,30%
29.979
PT Bank Mandiri
(Persero) Tbk
AA+(idn)
26 Februari/
February 26, 2016
36
8,30%
169.888
Third party
Medium-term notes V
BII Finance
199.867
*)
152
YANG
DITERBITKAN
153
YANG
DITERBITKAN
Jatuh tempo/
Maturity
Jangka waktu
(hari)/
Tenor (in days)
Nilai tercatat/
Carrying amount
Pihak ketiga
Rupiah
Citibank N.A., Indonesia
Third party
Rupiah
22 Februari/
February 22, 2016
94
8,70%
450.000
Jatuh tempo/
Maturity
Jangka waktu
(hari)/
Tenor (in days)
Nilai tercatat/
Carrying amount
361
2,00%
h.
h. Lain-lain
619.250
Others
Information
Note 53.
154
on maturities is
disclosed in
22. BORROWINGS
31 Desember/December 31
2015
Rupiah
Pihak berelasi (Catatan 43)
Fasilitas Pembiayaan Pemilikan
Kendaraan Bermotor
PT Bank Maybank Syariah
Indonesia
Pihak ketiga
PT Bank Pan Indonesia Tbk
The Hongkong and Shanghai
Banking Corporation Ltd.
PT Bank Victoria International Tbk
PT BPD Jawa Barat dan Banten Tbk
PT Bank KEB Hana
PT Bank UOB Indonesia
PT Bank Ekonomi Raharja Tbk
PT Bank Capital Indonesia Tbk
PT Bank Central Asia Tbk
PT Bank Nationalnobu Tbk
PT Bank ANZ Indonesia
PT Bank Permata Tbk, Syariah
PT Bank Mandiri (Persero) Tbk
PT Bank BCA Syariah
PT Bank QNB Indonesia Tbk
PT Bank Panin Syariah
2014
13.379
36.460
1.310.918
1.015.639
473.750
350.000
312.203
164.522
150.000
150.000
100.000
87.369
50.000
49.836
3.911
717
615
-
287.375
400.000
352.153
200.000
50.000
282.405
148.992
99.364
33.505
39.270
21.762
100.000
18.880
3.203.841
3.049.345
10.000
3.203.841
3.059.345
3.217.220
3.095.805
Foreign currencies
Related party (Note 43)
Malayan Banking Berhad
8.194
24.647
711.481
177.254
Third parties
Loans received from Japan
International Coorperation Agency
(JICA)Two - Step Loans
Trade financing
Other loans
32.841
888.735
1.058.276
888.735
4.275.496
3.984.540
Trade financing
Rupiah
Related party (Note 43)
Motor Vehicle Ownership
Financing Facilities
PT Bank Maybank Syariah
Indonesia
1.025.435
Third parties
PT Bank Pan Indonesia Tbk
The Hongkong and Shanghai
Banking Corporation Ltd.
PT Bank Victoria International Tbk
PT BPD Jawa Barat dan Banten Tbk
PT Bank KEB Hana
PT Bank UOB Indonesia
PT Bank Ekonomi Raharja Tbk
PT Bank Capital Indonesia Tbk
PT Bank Central Asia Tbk
PT Bank Nationalnobu Tbk
PT Bank ANZ Indonesia
PT Bank Permata Tbk, Syariah
PT Bank Mandiri (Persero) Tbk
PT Bank BCA Syariah
PT Bank QNB Indonesia Tbk
PT Bank Panin Syariah
Trade financing
155
a.
Subsidiaries Motor
Financing Facilities
Vehicle
Ownership
Based
on
the
Letter
No.
866/Srt.SSD/MSI/10/14 dated October 27,
2014, MSI readjusted margin calculation
conditions. BFR was changed from 9.00% to
9.25% plus a margin of 1.75%, resulted in the
total margin of 11.00%. The margin changes
had
been
effective
since
November 1, 2014.
156
a.
157
158
159
160
Shanghai
Banking
Shanghai
Banking
Pinjaman berulang
Revolving loan
Berdasarkan
perjanjian
kredit
No. JAK/100450/U/00149781
tanggal
6 Oktober
2010,
HSBC
setuju
untuk
memberikan fasilitas pinjaman modal kerja
kepada WOM dengan jumlah maksimum
sebesar
Rp200.000
untuk
pembiayaan
kendaraan bermotor dengan tingkat bunga
sebesar 10,25% per tahun dan akan
berfluktuasi sesuai kebijakan bank.
Based
on
the
credit
agreement
No. JAK/100450/U/00149781
dated
October 6, 2010, HSBC agreed to provide a
working capital loan facility to WOM with a
maximum amount of Rp200,000 for motor
vehicle financing and bears interest rate at
10.25% per annum and may be fluctuated
based on the banks policy.
Berdasarkan
surat
No. JAK/140230/U/00269836 tanggal 20 Maret
2014, MIF memperoleh fasilitas pinjaman
promes berulang dengan limit fasilitas
Rp150.000 dengan jangka waktu
hingga
tanggal 31 Januari 2015. Tingkat bunga tetap
akan dibebankan atas setiap penarikan.
161
Banking
Banking
Berdasarkan
Akta
Perjanjian
Kredit
No. 163 tanggal 25 Maret 2011, PT Bank
Victoria International Tbk (Bank Victoria) setuju
untuk memberikan fasilitas pinjaman modal
kerja kepada MIF dengan jumlah maksimum
Rp100.000 dengan tingkat bunga 10,50% per
tahun. Jangka waktu pinjaman maksimal 36
(tiga puluh enam) bulan atau maksimal 48
(empat puluh delapan) bulan sejak tanggal
penarikan fasilitas. Entitas anak menarik
fasilitas I dan II masing-masing sebesar
Rp50.000
pada
tanggal
28 Maret 2011 dan 30 Maret 2011, dengan
jangka waktu 36 (tiga puluh enam) bulan sejak
pencairan masing-masing pinjaman.
Based
on
the
Credit
Agreement
No. 163 dated March 25, 2011, PT Bank
Victoria International Tbk (Bank Victoria)
agreed to provide a working capital loan facility
to MIF with a maximum amount of Rp100,000
and bears interest rate at 10.50% per annum.
Maximum loan period is 36 (thirty six) months
or 48 (forty eight) months since the facility
drawdown date. The subsidiary has drawdown
the first and second facilities amounting to
Rp50,000 on March 28, 2011 and March 30,
2011, respectively, with facility period of 36
(thirty six) months since withdrawal date.
162
Victoria
International
Tbk
PT Bank
(continued)
Victoria
International
Tbk
163
Victoria
International
Tbk
PT Bank
(continued)
Victoria
International
Tbk
Pinjaman ini
dijamin dengan piutang
pembiayaan konsumen entitas anak sebesar
100% dan 50% dari jumlah utang pokok
pinjaman masing-masing untuk fasilitas
pinjaman modal kerja dan promes berulang.
Piutang yang dijaminkan adalah piutang lancar
yang tidak memiliki tunggakan bunga dan/atau
angsuran pokok lebih dari 90 (sembilan puluh)
hari. Selama periode pinjaman, entitas anak
harus menjaga agar PT Bank Maybank
Indonesia tetap menjadi pemegang saham
minimal 51,10% dari jumlah modal disetor dan
ditempatkan.
Berdasarkan
surat
No.
24/KOMKKU/SPPK/2015 tanggal 22 September 2015,
entitas anak memperoleh penambahan
fasilitas pinjaman dalam bentuk Term Loan
dengan limit fasilitas Rp100.000 dan jangka
waktu pinjaman maksimal 48 bulan.
164
165
166
Pinjaman ini
dijamin dengan piutang
pembiayaan konsumen entitas anak sebesar
50% dari total pinjaman.
Berdasarkan
Akta
Perjanjian
Kredit
No. SPFK/024/KPO/FIN/111/2015 tanggal
31 Maret 2015, MIF memperoleh fasilitas
pinjaman dalam bentuk money market dengan
limit fasilitas Rp100.000 dengan jangka waktu
pinjaman 12 (dua belas) bulan. Tingkat suku
bunga adalah 10,25% per tahun.
Based
on
the
Credit
Agreement
No.
SPFK/024/KPO/FIN/III/2015
dated March 31, 2015, MIF obtained money
market facility with maximum facility limit of
Rp100,000 and loan period of 12 (twelve)
months. The interest rate is 10,25% per
annum.
168
Berdasarkan
Perjanjian
Kredit
No. 40515/GBK/2015 tanggal 15 Oktober 2015
entitas anak telah mendapatkan perpanjangan
atas Fasilitas Kredit Lokal (Rekening Koran)
yang akan jatuh tempo pada tanggal
20 Januari 2016.
Based
on
Credit
Agreement
No. 40515/GBK/2015 dated October 15, 2015,
the subsidiary has secured facilities to extend
the Local Credit Facilities (Current account)
which will mature on January 20, 2016.
169
Berdasarkan
akta
perjanjian
kredit
No. 008/EXT/LC/KP-PLS/X/2015
tanggal
9 Oktober 2015, MIF memperoleh fasilitas
pinjaman dalam bentuk Money Market dengan
limit fasilitas Rp50.000 dan jangka waktu
pinjaman maksimal 12 bulan.
170
Berdasarkan
Perjanjian
Kredit
tanggal
No. 504/FA/ANZ/NEW/XI/2013
8 Nopember 2013, entitas anak (WOM)
mengadakan Perjanjian Kredit Fasilitas
Berjangka dengan ANZ, di mana ANZ setuju
untuk memberikan fasilitas pembiayaan
dengan limit sebesar Rp150.000. Fasilitas ini
bersifat tidak berulang (non revolving).
Fasilitas dapat ditarik dalam beberapa kali
penarikan dengan nominal minimal Rp50.000.
Jangka waktu penarikan fasilitas ditetapkan 3
(tiga) bulan sejak tanggal perjanjian kredit
ditandatangani. Fasilitas akan jatuh tempo
dalam 36 bulan sejak tanggal pencairan.
Pinjaman ini dikenakan tingkat suku bunga
sebesar 11,35% per tahun.
Based
on
Credit
Agreement
No. 504/FA/ANZ/NEW/XI/2013
on
November 8, 2013, the subsidiary (WOM)
entered into a Credit Agreement Term Facility
with ANZ, whereby ANZ agreed to provide
financing facility with a maximum amount of
Rp150,000. This is a non-revolving facility. This
facility can be withdrawn several times with
minimum nominal amount of Rp50,000. The
term of facility withdrawal is three (3) months
since the signing of the agreement. The facility
will mature in thirty six (36) months since the
first drawdown date. This loan bears interest
rate at 11.35% per annum.
171
Berdasarkan
Perjanjian
Kredit
No. 505/FA/ANZ/NEW/XI/2013
tanggal
8 Nopember 2013, entitas anak mengadakan
Perjanjian Fasilitas Batas Kredit Dalam Pasar
Uang dengan ANZ, dimana ANZ setuju untuk
memberikan fasilitas pembiayaan dengan limit
sebesar Rp50.000. Fasilitas ini dapat ditarik
selama jangka waktu penarikan fasilitas.
Jangka waktu penarikan fasilitas ditetapkan 1
(satu) tahun sejak tanggal perjanjian kredit dan
akan jatuh tempo dalam 1 (satu) bulan sejak
tanggal pencairan.
Based
on
Credit
Agreement
No. 505/FA/ANZ/NEW/XI/2013 on November 8,
2013, the subsidiary entered into a Credit Limit
Facility Agreement in Money Market with ANZ,
whereby ANZ agreed to provide financing
facility with a maximum amount of Rp50,000.
This facility can be
drawn in times of
withdrawal period. The term of credit withdrawal
is one (1) year since the signing of the
agreement and will mature in one (1) month
since the first drawdown date.
Berdasarkan
Perubahan
Kedua
atas
Perjanjian
Fasilitas
Modal
Kerja
No. 700/FA/ANZ/AMN-II/IX/2014
tanggal
18 September 2014, entitas anak dan ANZ
setuju untuk mengubah nama fasilitas dari
Fasilitas Batas Kredit Dalam Pasar Uang
(Money Market Lines) menjadi Fasilitas Modal
Kerja serta memperpanjang jatuh tempo
fasilitas menjadi 31 Agustus 2015.
Based
on
the
Third Amendment
to
Working Capital
Facility
Agreement
No. 913/FA/ANZ/AMN-lll/X/2015 dated October
9, 2015, the subsidiary and ANZ agreed to
extend the maturity of the facility to August 31,
2016.
172
a.
Berdasarkan
Perjanjian
Kredit
No. 24 tanggal 18 Juni 2012, PT Bank
Permata Tbk setuju untuk memberikan fasilitas
pinjaman
kepada
MIF
dengan
akad
Murabahah dengan jumlah maksimum sebesar
Rp75.000 dengan jangka waktu pinjaman 48
(empat puluh delapan) bulan sejak tanggal
pencairan pertama.
Based
on
the
Credit
Agreement
No. 24 dated June 18, 2012, PT Bank Permata
Tbk agreed to provide a loan facility to MIF with
akad Murabahah with maximum amount of
Rp75,000 with loan period of 48 (forty eight)
months since the first withdrawal.
173
a.
Berdasarkan
perubahan
pertama
atas
Perjanjian Kredit No. 156/PRBH-BCAS/VI/13
tanggal 27 Juni 2013, fasilitas pinjaman entitas
anak berubah menjadi revolving.
174
Based
on
the
Letter
No. 004/SRT/SMH/IV/2014 dated April 24,
2014 and the Amendment to Financing
Agreement No. 243/PRBH-BCAS/VII/14 dated
July 25, 2014, PT Bank BCA Syariah adjust
the profit amount to be equivalent with 12.25%
per annum for the facility that has been
withdrawn and 13.00% per annum for new
withdrawals.
175
b.
176
Pinjaman
dari
Japan
Cooperation Agency (JICA)
c.
Fasilitas Kredit/
Credit Facilities
JICA
Tujuan/
Purpose
Program pembiayaan pembangunan gedung PT JIAEC/Construction
building financing program for PT. JIAEC.
Trade financing
d.
Trade financing
This account represents interbank borrowings
obtained from local and overseas banks. As of
December 31, 2014, this outstanding
borrowing amounted to USD56,814,301,
INR40,000,000, and Rp10,000, with annual
interest rates ranging from 0.69% - 8.00% and
9.75% for foreign currencies and Rupiah
currency, respectively.
Pinjaman lainnya
e.
Other loans
Other loans in foreign currencies are negative
current accounts with other banks.
177
Utang pajak
a.
Taxes payable
Taxes payable consist of:
31 Desember/December 31
2015
Bank
Pajak penghasilan badan
Pajak penghasilan:
- Pasal 21
- Pasal 23/26
- Pasal 4(2)
- Lainnya
Pajak pertambahan nilai
Entitas anak
Pajak Penghasilan badan dan
Pajak Penghasilan Pasal 25
Pajak penghasilan (pasal 21,
23/26, 4(2) dan lainnya)
Pajak pertambahan nilai
Konsolidasian
Pajak Penghasilan badan dan
Pajak penghasilan pasal 25
Pajak penghasilan (pasal 21,
23/26, 4(2) dan lainnya)
Pajak pertambahan nilai
b.
2014
-
3.562
6.656
6.353
97.210
5.687
52.682
17.480
5.894
98.986
4.215
14.157
168.588
144.294
4.064
19.378
3.936
3.521
6.152
3.154
11.521
28.684
4.064
22.940
119.842
56.203
132.727
17.311
180.109
172.978
b.
Bank
Corporate income tax
Income tax:
Article 21 Article 23/26 Article 4(2) Others Value added tax
Subsidiaries
Corporate income tax and
income tax article 25
Other income tax (article 21,
23/26, 4(2) and others)
Value added tax
Consolidated
Corporate income tax and
income tax article 25
Other income tax (article 21,
23/26, 4(2) and others)
Value added tax
31 Desember/December 31
2015
Bank
Kini
Tangguhan
Entitas anak
Kini
Tangguhan
Konsolidasian
Kini
Tangguhan
2014
102.642
210.859
189.996
(39.842)
313.501
150.154
85.159
2.801
90.587
10.036
87.960
100.623
187.801
213.660
280.583
(29.806)
401.461
250.777
178
Bank
Current
Deferred
Subsidiaries
Current
Deferred
Consolidated
Current
Deferred
b.
31 Desember/December 31
2015
Laba sebelum beban pajak
dan kepentingan nonpengendali - konsolidasian
Dikurangi: Penghasilan sebelum
pajak - entitas anak
Laba sebelum beban
pajak - Bank
Rugi neto cabang luar negeri
Pendapatan yang
dikenakan pajak final
Laba Bank disesuaikan
sebelum pajak penghasilan
Perbedaan waktu
Perbedaan antara komersial
dan fiskal atas:
Penyisihan manfaat
pensiun karyawan
Penyisihan bonus karyawan
Penyisihan kerugian
aset produktif dan
non-produktif
Lain-lain
Perbedaan tetap
Perbedaan antara komersial
dan fiskal atas:
Asuransi kesehatan
kepada karyawan
(Penurunan)/kenaikan nilai
efek-efek yang
diperdagangkan
Lain-lain
2014
1.545.023
972.918
351.157
404.559
1.193.866
3.347
568.359
-
(20)
1.197.193
(88)
568.271
27.927
31.989
123.501
(119.894)
(919.525)
16.174
484.568
(206.299)
(843.435)
281.876
Permanent differences
Differences between commercial
and tax amounts on:
21.726
89.171
(964)
36.049
(2.752)
66.876
56.811
153.295
410.569
1.003.442
179
Taxable income
b.
31 Desember/December 31
2015
Beban pajak penghasilan
kini - Bank
Revisi pajak penghasilan
tahun 2011 - Bank
102.642
Piutang pajak
penghasilan - konsolidasian
sebelum revisi tahun 2011
Revisi pajak penghasilan
tahun 2011 - Bank
Koreksi beban pajak
penghasilan tahun 2013 entitas anak
(Piutang)/utang pajak
penghasilan - konsolidasian
250.860
2014
(60.864)
102.642
189.996
85.159
90.587
187.801
280.583
(290.831)
(247.298)
(81.095)
(73.069)
60.864
1.860
22.940
(184.125)
(39.784)
(184.125)
31 Desember/December 31
2015
Laba sebelum beban pajak
dan kepentingan nonpengendali - konsolidasian
Dikurangi: Laba sebelum beban
pajak - entitas anak
Laba sebelum beban pajak - Bank
Dikurangi:
Rugi neto cabang luar negeri
Pendapatan yang
dikenakan pajak final
2014
1.545.023
972.918
351.157
404.559
1.193.866
568.359
3.347
(20)
1.197.193
180
(88)
568.271
b.
31 Desember/December 31
2015
Beban pajak penghasilan
yang dihitung dengan tarif
pajak yang berlaku
Efek revisi pajak penghasilan
Tahun 2011
Pengaruh pajak atas beda tetap
pada tarif pajak yang berlaku
Beban pajak penghasilan - Bank
Beban pajak penghasilan
- entitas anak
2014
14.203
38.323
313.501
150.154
87.960
100.623
401.461
250.777
299.298
-
142.068
(30.237)
Bank
Bank
181
b.
Bank
Bank
Kantor
Pajak
juga
telah
melakukan
pemeriksaan pajak tahun 2011 (PPh Pasal 21 Kantor pusat) dan menerbitkan SKPKB atas
PPh Pasal 21 sebesar Rp96 (termasuk denda
dan bunga). Bank telah menyetujui dan
melakukan pembayaran atas seluruh nilai
SKPKB tersebut dan telah mencatat kurang
bayar tersebut dalam laba rugi dan penghasilan
komprehensif lain tahun 2013.
182
b.
Bank (lanjutan)
Bank (continued)
183
b.
Bank (lanjutan)
Bank (continued)
184
b.
185
b.
186
b.
187
b.
Entitas
anak
mengajukan
permohonan
keberatan atas SKPN PPh Badan tahun pajak
2008 sebesar Rp1.150 dan SKPKB PPN untuk
masa pajak Januari sampai dengan Desember
2008 dengan jumlah keseluruhan keberatan
yang diajukan adalah sebesar Rp28.195 dan
untuk STP masa Januari sampai dengan
Desember 2008 dengan jumlah keseluruhan
sebesar Rp3.812. Atas permohonan keberatan
tersebut, Direktorat Jendral Pajak (DJP) telah
menolak seluruh permohonan keberatan atas
SKPKB PPN entitas anak.
188
Subsidiary (MIF)
189
c.
1 Januari/
January
Aset pajak tangguhan:
Bank
Kerugian/(keuntungan)
yang belum direalisasi
atas perubahan
nilai wajar investasi
keuangan yang tersedia
untuk dijual - neto
Cadangan kerugian atas
aset produktif
dan non-produktif
Penyisihan imbalan
kerja karyawan
Cadangan bonus karyawan
Penyusutan aset tetap
Lain-lain
(Dibebankan)/
dikreditkan
ke laporan
laba rugi
konsolidasian/
(Charged)/
credited to
consolidated
statements
of income
(Dibebankan)/
dikreditkan
ke ekuitas
konsolidasian/
(Charged)/
credited to
consolidated
statements
of changes in
equity
31 Desember/
December
Deferred tax assets:
Bank
21.552
15.383
36.935
25.744
(229.881)
(204.137)
293.543
39.568
(38.657)
119.806
25.392
7.997
49
(14.416)
(27.984)
290.951
47.565
(38.608)
105.390
461.556
(210.859)
(12.601)
238.096
Unrealized losses/(gains)
on changes in fair
value of available-for
-sale financial
investments - net
Allowance for possible
losses on earning and
non-earning assets
Allowance for employee
benefits
Allowance for employee bonuses
Fixed assets depreciation
Others
1 Januari/
January
Entitas anak
Penyisihan imbalan
kerja karyawan
Cadangan bonus karyawan
Penyusutan aset tetap
Lain-lain
3.041
10.603
(2.216)
2.313
13.741
(Dibebankan)/
dikreditkan
ke laporan
laba rugi
konsolidasian/
(Charged)/
credited to
consolidated
statements
of income
631
(4.080)
712
3.017
280
475.297
(210.579)
147.156
(96.445)
25.378
(284.947)
3.838
89.507
539
84
(111.790)
(51)
70
(3.081)
190
(Dibebankan)/
Dikreditkan
ke ekuitas
konsolidasian/
(Charged)/
Credited to
consolidated
statements
of changes in
equity
31 Desember/
December
(49)
3.623
6.523
(1.504)
5.330
(49)
13.972
(12.650)
252.068
(3.231)
(3.231)
50.711
25.985
(195.440)
488
154
(118.102)
Subsidiary
Allowance for employee
benefits
Allowance for employee bonuses
Fixed assets depreciation
Others
Aset dan
(lanjutan)
liabilitas
pajak
tangguhan
c.
Deferred tax
(continued)
assets
and
liabilities
1 Januari/
January
Aset pajak tangguhan:
Bank
Kerugian/(keuntungan)
yang belum direalisasi
atas perubahan
nilai wajar investasi
keuangan yang tersedia
untuk dijual - neto
Cadangan kerugian atas
aset produktif
dan non-produktif
Penyisihan imbalan
kerja karyawan
Cadangan bonus karyawan
Penyusutan aset tetap
Lain-lain
Entitas anak
Penyisihan imbalan
kerja karyawan
Cadangan bonus karyawan
Penyusutan aset tetap
Lain-lain
Dampak atas
penerapan
PSAK 24
(Revisi 2013)
yang
dibebankan ke
laba ditahan/
Effects of
the adoption
of SFAS 24
(Revised 2013)
charge to
retained earning
(Dibebankan)/
dikreditkan
ke laporan
laba rugi
konsolidasian/
(Charged)/
credited to
consolidated
statements
of income
(Dibebankan)/
Dikreditkan
ke ekuitas
konsolidasian/
(Charged)/
Credited to
consolidated
statements
of changes in
equity
31 Desember/
December
Deferred tax assets:
Bank
35.247
(13.695)
44.643
21.552
(18.899)
213.506
69.542
(35.353)
122.204
53.859
-
30.875
(29.974)
(3.304)
(2.398)
(4.697)
-
293.543
39.568
(38.657)
119.806
25.744
386.247
53.859
39.842
(18.392)
461.556
1.664
6.667
(1.146)
2.086
253
-
808
3.936
(1.070)
227
316
-
3.041
10.603
(2.216)
2.313
9.271
253
3.901
316
13.741
395.518
54.112
43.743
(18.076)
475.297
Unrealized losses/(gains)
on changes in fair
value of available-for
-sale financial
investments - net
Allowance for possible
losses on earning and
non-earning assets
Allowance for employee
benefits
Allowance for employee bonuses
Fixed assets depreciation
Others
Subsidiary
Allowance for employee
benefits
Allowance for employee bonuses
Fixed assets depreciation
Others
1 Januari/
January
Liabilitas pajak tangguhan:
Entitas anak
Akumulasi kerugian fiskal
Penyisihan imbalan
kerja karyawan
Pendapatan tangguhan
Cadangan kerugian
penurunan nilai
Lain-lain
Jumlah liabilitas pajak
tangguhan
109.496
15.761
(228.948)
665
(103.026)
Dampak atas
penerapan
PSAK 24
(Revisi 2013)
yang
dibebankan ke
laba ditahan/
Effects of
the adoption
of SFAS 24
(Revised 2013)
charge to
retained earning
(Dibebankan)/
dikreditkan
ke laporan
laba rugi
konsolidasian/
(Charged)/
credited to
consolidated
statements
of income
37.660
(Dibebankan)/
Dikreditkan
ke ekuitas
konsolidasian/
(Charged)/
Credited to
consolidated
statements
of changes in
equity
5.071
-
4.444
(55.999)
102
-
(126)
84
5.071
(13.937)
102
31 Desember/
December
147.156
25.378
(284.947)
539
84
(111.790)
Administrasi
d.
Administration
24. ACCRUED
LIABILITIES
EXPENSES
AND
OTHER
31 Desember/December 31
2015
Rupiah
Penyisihan imbalan kerja
(Catatan 46b)
Beban yang masih harus dibayar
Bunga yang masih harus dibayar
Cadangan kerugian risiko operasional
Pendapatan diterima dimuka bancassurance
Pendapatan diterima dimuka
Setoran jaminan
Utang atas transaksi
joint financing
Lain-lain
2014
1.281.695
607.903
542.788
365.797
1.287.849
483.731
467.428
346.644
109.091
51.030
36.819
109.091
55.005
34.797
1.132
352.466
2.073
84.682
3.348.721
2.871.300
71.108
51.851
36.495
6.116
10.058
67.326
43.157
64.472
20.991
6.235
175.628
202.181
3.524.349
3.073.481
Rupiah
Provision for employee benefits
(Note 46b)
Accrued expenses
Accrued interests
Provision for operational risk losses
Deferred income - bancassurance
Deferred income
Margin deposits
Payables on joint financing
transactions
Others
Foreign currencies
Accrued expenses
Margin deposits
Accrued interests
Deferred income
Others
192
24. ACCRUED
EXPENSES
LIABILITIES (continued)
AND
OTHER
Pendapatan
diterima
dimuka-bancassurance
merupakan uang muka dari PT Prudential Life
Assurance (Prudential) (pihak ketiga) sehubungan
dengan perjanjian aliansi strategis antara Bank
dengan Prudential untuk memasarkan produkproduk bancassurance Prudential kepada nasabah
Bank.
Wali amanat/
Trustee*)
Rupiah
Pihak berelasi (Catatan 43)
Obligasi Subordinasi I
Bank BII Tahun 2011
PT Bank Mandiri
(Persero) Tbk
Obligasi Subordinasi
Berkelanjutan II
Bank BII Tahap I
Tahun 2014
PT Bank Mandiri
(Persero) Tbk
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
idAA+ (Pefindo)
19 Mei/
May 19, 2018
84
10,75%
309.500
Rupiah
Related parties (Note 43)
Subordinated Bonds I Bank BII
Year 2011
idAA (Pefindo)
8 Juli/
July 8, 2021
84
11,35%
1.280.000
1.589.500
(6.107)
1.583.393
Pihak ketiga
Obligasi Subordinasi I
Bank BII Tahun 2011
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
19 Mei/
May 19, 2018
84
10,75%
1.190.500
Third parties
Subordinated Bonds I Bank BII
Year 2011
Obligasi Subordinasi
Berkelanjutan I
Bank BII Tahap I
Tahun 2011
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
6 Desember/
December 6, 2018
84
10,00%
500.000
Obligasi Subordinasi
Berkelanjutan I
Bank BII Tahap II
Tahun 2012
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
31 Oktober/
October 31, 2019
84
9,25%
1.000.000
Obligasi Subordinasi
Berkelanjutan II
Bank BII Tahap I
Tahun 2014
PT Bank Mandiri
(Persero) Tbk
idAA (Pefindo)
8 Juli/
July 8, 2021
84
11,35%
220.000
2.910.500
(6.925)
2.903.575
4.486.968
*)
193
Wali amanat/
Trustee*)
Rupiah
Pihak berelasi (Catatan 43)
Obligasi Subordinasi I
Bank BII Tahun 2011
PT Bank Mandiri
(Persero) Tbk
Obligasi Subordinasi
Berkelanjutan II
Bank BII Tahap I
Tahun 2014
PT Bank Mandiri
(Persero) Tbk
Peringkat/
Rating
Jatuh tempo/
Maturity
Jangka waktu
(bulan)/
Tenor
(in months)
Suku bunga
per tahun/
Interest rate
per annum
Jumlah/
Total
idAA+ (Pefindo)
19 Mei/
May 19, 2018
84
10,75%
309.000
Rupiah
Related parties (Note 43)
Subordinated Bonds I Bank BII
Year 2011
idAA (Pefindo)
8 Juli/
July 8, 2021
84
11,35%
1.280.000
1.589.000
(7.014)
1.581.986
Pihak ketiga
Obligasi Subordinasi I
Bank BII Tahun 2011
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
19 Mei/
May 19, 2018
84
10,75%
1.191.000
Third parties
Subordinated Bonds I Bank BII
Year 2011
Obligasi Subordinasi
Berkelanjutan I
Bank BII Tahap I
Tahun 2011
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
6 Desember/
December 6, 2018
84
10,00%
500.000
Obligasi Subordinasi
Berkelanjutan I
Bank BII Tahap II
Tahun 2012
PT Bank Mandiri
(Persero) Tbk
idAA+ (Pefindo)
31 Oktober/
October 31, 2019
84
9,25%
1.000.000
Obligasi Subordinasi
Berkelanjutan II
Bank BII Tahap I
Tahun 2014
PT Bank Mandiri
(Persero) Tbk
idAA (Pefindo)
8 Juli/
July 8, 2021
84
11,35%
220.000
2.911.000
(8.849)
2.902.151
4.484.137
*)
a.
194
Shelf Subordinated
Tranche I Year 2011
195
Bonds
Bank
BII
Shelf Subordinated
Tranche II Year 2012
196
Bonds
Bank
BII
197
198
Jenis saham
Jumlah saham/
Number of shares
Saham Seri A
Saham Seri B
Saham Seri D
388.146.231
8.891.200.000
58.467.494.499
Jumlah
67.746.840.730
Nilai nominal
(nilai penuh)/
Nominal amount
(full amount)
Rp
900,00
225,00
22,50
Types of shares
349.332
2.000.520
1.315.518
Series A Shares
Series B Shares
Series D Shares
3.665.370
Total
Jumlah saham/
Number of shares
Name of shareholder
45,02
30.499.981.823
33,96
18,31
23.006.572.441
12.402.816.699
2,71
1.837.469.767
100,00
67.746.840.730
Jumlah saham/
Number of shares
Name of shareholder
45,02
30.499.981.823
33,96
18,31
23.006.572.441
12.402.816.666
2,71
1.837.469.800
100,00
67.746.840.730
199
Sejak
tahun
2001,
saham
Bank
telah
diperdagangkan dengan mekanisme scripless.
200
201
202
31 Desember/December 31
2015
2014
Saldo awal
Penerbitan saham melalui
Penawaran Umum Terbatas VII
67.746.840.730
60.972.156.657
6.774.684.073
Beginning balance
Issuance of shares through
Limited Public Offering VII
Saldo akhir
67.746.840.730
67.746.840.730
Ending balance
31 Desember/December 31
2015
2014
Saldo awal
Penerbitan saham melalui
Penawaran Umum Terbatas VII
3.665.370
3.512.940
152.430
Beginning balance
Issuance of shares through
Limited Public Offering VII
Saldo akhir
3.665.370
3.665.370
Ending balance
Agio saham
Biaya emisi efek ekuitas
b.
2014
4.563.825
(8.238)
4.563.825
(8.238)
4.555.587
4.555.587
31 Desember/December 31
2015
2014
Saldo awal
Penerbitan saham melalui
Penawaran Umum Terbatas VII
4.555.587
3.219.051
1.336.536
Beginning balance
Issuance of shares through
Limited Public Offering VII
Saldo akhir
4.555.587
4.555.587
Ending balance
203
30. SELISIH
KURS
KARENA
PENJABARAN
LAPORAN KEUANGAN DALAM MATA UANG
ASING
30. DIFFERENCES
ARISING
FROM
THE
TRANSLATION OF FOREIGN CURRENCY
FINANCIAL STATEMENTS
31 Desember/December 31
2015
2014
34.541
204
21.071
31 Desember/December 31
2015
KOMITMEN
Tagihan Komitmen
Lainnya
2014
69.955
247.632
COMMITMENTS
Commitment Receivables
Others
Liabilitas Komitmen
Fasilitas pinjaman kepada
nasabah yang belum ditarik
L/C irrevocable yang masih berjalan
Lainnya
1.802.311
584.830
70.632
1.197.932
1.202.247
204.920
Commitment Liabilities
Unused loan commitments
granted to customers
Outstanding irrevocable L/Cs
Others
2.457.773
2.605.099
KONTINJENSI
Tagihan Kontinjensi
Pendapatan bunga dalam
penyelesaian
Garansi yang diterima
CONTINGENCIES
Contingent Receivables
615.195
286.204
422.700
190.535
901.399
613.235
Contingent Liabilities
Guarantees issued in the form of:
Bank guarantees
Standby L/Cs
Shipping guarantees
Others
Total Contingent Liabilities
Liabilitas Kontinjensi
Garansi yang diberikan:
Bank garansi
Standby L/Cs
Shipping guarantees
Lainnya
3.465.737
235.881
1.626
3.049.324
1.247.500
-
3.703.244
4.296.824
205
31. COMMITMENTS
(continued)
AND
CONTINGENCIES
Lancar/
Current
KOMITMEN
Liabilitas Komitmen
Tagihan Komitmen
KONTINJENSI
Liabilitas Kontinjensi
Tagihan Kontinjensi
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Macet/
Loss
Jumlah/
Total
2.457.756
69.955
17
-
2.457.773
69.955
2.527.711
17
2.527.728
3.336.581
901.399
7.862
-
8.186
-
350.615
-
3.703.244
901.399
4.237.980
7.862
8.186
350.615
4.604.643
COMMITMENTS
Commitment Liabilities
Commitment Receivables
CONTINGENCIES
Contingent Liabilities
Contingent Receivables
Lancar/
Current
KOMITMEN
Liabilitas Komitmen
Tagihan Komitmen
KONTINJENSI
Liabilitas Kontinjensi
Tagihan Kontinjensi
Dalam
perhatian
khusus/
Special
mention
Kurang
lancar/
Substandard
Macet/
Loss
Jumlah/
Total
2.605.079
247.632
20
-
2.605.099
247.632
2.852.711
20
2.852.731
4.021.168
613.235
275.656
-
4.296.824
613.235
4.634.403
275.656
4.910.059
COMMITMENTS
Commitment Liabilities
Commitment Receivables
CONTINGENCIES
Contingent Liabilities
Contingent Receivables
2014
11.069.126
10.934.310
1.248.408
810.461
360.705
218.879
920.330
533.276
633.038
214.991
197.309
587
160.343
3.526
13.905.475
13.399.814
Loans
Consumer financing
receivables - net
Sharia
Marketable securities
Government recapitalization bonds
Placements with Bank Indonesia
and other banks
Others
2014
11.069.126
10.934.310
1.248.408
810.461
920.330
533.276
197.309
160.343
10.844
8.371
587
11.763
6.402
3.526
47.296
2.527
114.102
2.628
267.878
216.352
500.617
212.363
26.316
154
13.905.475
13.399.814
Total
Deposito berjangka
Tabungan
Surat berharga yang diterbitkan
Obligasi subordinasi
Pinjaman diterima
Giro
Premi penjaminan dana pihak ketiga
Syariah
Call money
Sertifikat deposito
Lain-lain
2014
4.209.614
816.085
660.036
476.831
340.109
310.681
220.024
197.854
97.935
88.068
-
4.512.355
866.932
621.138
388.465
343.364
278.832
214.267
163.514
70.739
8.497
15
7.417.237
7.468.118
Time deposits
Savings deposits
Securities issued
Subordinated bonds
Borrowings
Demand deposits
Premium on third party fund guarantees
Sharia
Call money
Certificate deposits
Others
35. KENAIKAN
NILAI
EFEK-EFEK
DIPERDAGANGKAN - NETO
2014
22.673
(8.077)
114.545
(9.170)
14.596
105.375
YANG
Marketable securities
Government recapitalization bonds
35. INCREASE
IN
VALUE
SECURITIES - NET
OF
TRADING
36. PENDAPATAN
OPERASIONAL
- PENDAPATAN LAINNYA
2014
469
173
4.088
(356)
642
3.732
LAINNYA
Marketable securities
Government recapitalization bonds
2014
560.960
214.688
196.063
141.624
105.079
596.708
170.207
142.550
52.700
127.594
69.293
50.995
43.084
8.610
8.471
6.377
5.633
4.363
173.746
111.105
44.526
47.529
5.745
7.658
5.602
6.152
4.081
109.261
1.588.986
1.431.418
208
2014
697
210
147.053
3.286
1.829.876
(66)
400
2.029
519
1.533.997
334.812
(28.736)
2.349
2.289.547
237.736
15.536
1.847
1.791.998
38. PROVISION/(REVERSAL)
FOR
POSSIBLE
LOSSES ON NON-EARNING ASSETS
2014
12.132
68
(5.575)
(2.572)
27
-
6.625
(2.545)
Umum
Sewa
Penyusutan dan amortisasi
Promosi
Perbaikan dan pemeliharaan aset tetap
Komunikasi perbankan
Pendidikan, penelitian dan
pengembangan
Listrik dan air
Telepon, telex dan kawat
Beban profesional
Cetakan dan alat tulis
Transportasi dan rumah tangga
2014
1.308.037
477.452
431.285
162.168
151.781
105.477
1.255.395
438.916
380.522
165.466
147.888
87.246
88.076
78.124
60.283
57.625
49.086
48.363
67.862
82.768
58.231
44.933
44.731
64.815
3.017.757
2.838.773
209
General
Rental
Depreciation and amortization
Promotions
Repairs and maintenance fixed assets
Banking communications
Education, research and
development
Electricity and water
Telephone, telex and wires
Professional fees
Printing and stationery
Transportation and housing
2014
1.309.529
350.826
266.706
403.470
1.263.337
425.366
173.451
280.410
2.330.531
2.142.564
2014
14.413
58.314
1.412
153.981
1.085
15.463
58.004
1.309
178.793
921
229.205
254.490
2014
73.170
2.569
77
(4.895)
(2.891)
19.276
5.798
6.003
(6.601)
(6.956)
(2.922)
87.306
(4.678)
210
2014
1.139.070
708.008
67.746.840.730
61.102.082.105
17
12
Dewan
Komisaris,
Direksi
dan
pejabat
eksekutif/Board of Commissioners, Directors and
executive officer
Karyawan kunci/Key
Pengurus/Management
personnel,
Pemegang saham/Shareholder
Pemegang saham/Shareholder
Simpanan
nasabah/Deposits
bunga/Interest expenses
from
customers,
Beban
Simpanan
nasabah/Deposits
bunga/Interest expenses
from
customers,
Beban
Simpanan
nasabah/Deposits
bunga/Interest expenses
from
customers,
Beban
UBS AG
Pemegang saham/Shareholder
43. RELATED
(continued)
PARTIES
INFORMATION
31 Desember/December 31
2015
2014
ASET
Giro pada bank lain (Catatan 6)
Tagihan derivatif (Catatan 11)
Kredit yang diberikan dan piutang/
pembiayaan Syariah (Catatan 12)
Tagihan akseptasi (Catatan 14)
Beban yang dibayar di muka dan
aset lain-lain (Catatan 17)
4.985
12.237
266
4.710
120.669
-
114.578
338
1.053
1.897
0,00%
0,01%
0,00%
0,00%
0,08%
-
0,10%
0,00%
0,00%
0,00%
97.197
458.837
3.933
837
472
71.832
551.449
6.780
9.948
LIABILITIES
Obligations due immediately (Note 18)
Deposits from customers (Note 19)
Deposits from other banks (Note 20)
Derivatives payable (Note 11)
Acceptances payable (Note 14b)
652.422
1.038.814
1.598.935
36.460
72.712
1.583.393
56.289
1.581.986
ASSETS
Current accounts with other banks
(Note 6)
Derivatives receivable (Note 11)
Loans and Sharia
receivables/financing (Note 12)
Acceptance receivables (Note 14)
Prepayments and
other assets (Note 17)
0,07%
0,32%
0,00%
0,00%
0,46%
0,73%
0,00%
0,06%
0,43%
0,01%
0,01%
1,24%
0,03%
0,05%
1,12%
0,04%
1,23%
46.746
15
164.010
0,00%
2,20%
2014
9
242.003
0,00%
3,26%
212
2014
226.182
526
3.340
234.994
17.266
1.520
Short-term benefits
Post-employment benefits
Share-based payment
Jumlah
230.048
253.780
Total
MONETER DALAM
44. MONETARY
ASSETS
AND
LIABILITIES
DENOMINATED IN FOREIGN CURRENCIES
a.
31 Desember/December 31
2015
Aset
Kas (Catatan 4)
Giro pada Bank Indonesia
(Catatan 5)
Giro pada bank lain (Catatan 6)
Penempatan pada Bank Indonesia
dan bank lain (Catatan 7)
Efek-efek yang diperdagangkan
(Catatan 8)
Investasi keuangan (Catatan 9)
Tagihan derivatif (Catatan 11)
Kredit yang diberikan dan piutang/
pembiayaan Syariah (Catatan 12)
Tagihan akseptasi (Catatan 14a)
Beban dibayar dimuka dan
aset lain-lain
Liabilitas
Liabilitas segera (Catatan 18)
Simpanan nasabah (Catatan 19)
Simpanan dari bank lain
(Catatan 20)
Liabilitas derivatif (Catatan 11)
Liabilitas akseptasi (Catatan 14b)
Surat berharga yang
diterbitkan (Catatan 21)
Pinjaman diterima (Catatan 22)
Utang pajak
2014
Assets
Cash (Note 4)
Current accounts with
Bank Indonesia (Note 5)
Current accounts with other banks
(Note 6)
Placements with Bank Indonesia
and other banks (Note 7)
254.519
377.611
2.824.500
2.606.393
1.602.644
907.431
9.735.342
3.987.965
4.937
2.371.483
353.341
3.148
1.992.098
205.996
17.667.533
1.338.387
18.382.115
2.527.164
188.096
148.715
36.340.782
31.138.636
140.744
30.826.618
139.815
26.196.858
476.075
378.005
1.333.635
1.065.740
224.098
2.523.281
Liabilities
Obligations due immediately (Note 18)
Deposits from customers (Note 19)
Deposits from other banks
(Note 21)
Derivatives payable (Note 11)
Acceptances payable (Note 14b)
1.058.276
5.670
619.250
888.735
4.186
213
MONETER DALAM
44. MONETARY
ASSETS
AND
LIABILITIES
DENOMINATED IN FOREIGN CURRENCIES
31 Desember/December 31
2015
Beban yang masih harus dibayar
dan liabilitas lain-lain (Catatan 24)
175.628
202.181
34.394.651
31.864.144
b.
2014
1.946.131
(725.508)
b.
Mata uang
Dolar Amerika Serikat
Dolar Australia
Dolar Kanada
Frank Swiss
Euro Eropa
Poundsterling Inggris
Dolar Hong Kong
Rupee India
Yen Jepang
Rupee Mauritius
Ringgit Malaysia
Dolar Selandia Baru
Dolar Singapura
Yuan China
Rand Afrika Selatan
Aset/Assets
Laporan
Posisi Keuangan
dan Rekening
Administratif/
Statement
of Financial Position
and Off-Balance
Sheet
74.444.385
595.319
4.621
2.298
681.796
131.810
29.177
677.224
153.449
896
2.058
689
1.129.410
105.317
36
Liabilitas/Liabilities
Laporan
Posisi Keuangan
dan Rekening
Administratif/
Statement of
Financial Position
and Off-Balance
Sheet
Currency
75.069.159
589.884
5.762
3.120
709.618
127.746
29.352
639.672
154.358
203
1.497
2.229
1.077.340
105.997
30
624.774
5.435
1.141
822
27.822
4.064
175
37.552
909
693
561
1.540
52.070
680
6
758.244
Total
Jumlah
Modal (Catatan 52)
Rasio Posisi Devisa Neto
(Laporan posisi keuangan
dan rekening administratif)
214
16.154.399
4,69%
b.
44. MONETARY
ASSETS
AND
LIABILITIES
DENOMINATED IN FOREIGN CURRENCIES
(continued)
b.
Mata uang
Dolar Amerika Serikat
Dolar Australia
Dolar Kanada
Frank Swiss
Euro Eropa
Poundsterling Inggris
Dolar Hong Kong
Rupee India
Yen Jepang
Rupee Mauritius
Dolar Selandia Baru
Dolar Singapura
Yuan China
Rand Afrika Selatan
Aset/Assets
Laporan
Posisi Keuangan
dan Rekening
Administratif/
Statement
of Financial Position
and Off-Balance
Sheet
Liabilitas/Liabilities
Laporan
Posisi Keuangan
dan Rekening
Administratif/
Statement of
Financial Position
and Off-Balance
Sheet
Currency
60.164.170
651.357
4.060
4.660
933.058
192.275
6.790
490.645
149.842
7
3.041
1.043.053
27.069
415
35.620
4.159
1.576
372
15.679
6.030
67
49.898
8.042
1.009
1.575
23.579
567
120
60.128.550
655.516
2.484
5.032
948.737
198.305
6.723
540.543
141.800
1.016
1.466
1.066.632
26.502
295
Jumlah
Modal (Catatan 52)
148.293
Total
16.936.903
0,88%
31 Desember/December 31
2015
Saldo awal
Dampak atas penerapan awal
PSAK 24 (Revisi 2013)
2014
202.277
202.277
194.042
(5.782)
Beginning balance
Effect of first implementation of
SFAS 24 (Revised 2013)
188.260
26.758
237.613
202.277
Ending balance
4.492
4.086
215
14.133
(116)
Berdasarkan
kebijakan
Bank,
karyawan
memperoleh tunjangan dan manfaat selain gaji,
yang antara lain berupa Tunjangan Hari Raya
(THR), santunan kematian, tunjangan cuti, dana
pensiun, bonus,
asuransi,
jaminan sosial
ketenagakerjaan (Badan Penyelenggara Jaminan
Sosial Ketenagakerjaan (BPJS Ketenagakerjaan)),
dan manfaat lainnya berdasarkan Undang-undang
Ketenagakerjaan No. 13/2003.
a.
a.
Dana Pensiun
Pension Plan
216
Aktuaris/
Actuary
2014
Tanggal Laporan
Aktuaris/
Actuarial Report
Date
Aktuaris/
Actuary
Tanggal Laporan
Aktuaris/
Actuarial Report
Date
Bank
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
13 Januari/
January 13,
2016
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
5 Januari/
January 5,
2015
Bank
PT Maybank Indonesia
Finance
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
11 Januari/
January 11,
2016
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
5 Januari/
January 5,
2015
PT Maybank Indonesia
Finance
PT Wahana Ottomitra
Multiartha Tbk
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
6 Januari/
January 6,
2016
PT Sentra Jasa
Aktuaria (Biro
Pusat Aktuaria)
10 Januari/
January 10,
2015
PT Wahana Ottomitra
Multiartha Tbk
2014
2013
2012
2011
(1.281.695)
-
(1.287.849)
-
(1.160.461)
-
(1.318.913)
25
(997.746)
1.013
Jumlah
(1.281.695)
(1.287.849)
(1.160.461)
(1.318.888)
(996.733)
Total
31 Desember/December 31
2015
2014
1.287.849
121.756
(103.893)
103.028
2.813
(129.858)
1.160.461
126.298
(76.908)
98.639
1.311
(21.952)
Jumlah
1.281.695
1.287.849
217
b.
Provision
(continued)
for
Employee
Benefits
31 Desember/December 31
2015
2014
Saldo awal
Beban manfaat karyawan
selama tahun berjalan
Jumlah yang diakui di pendapatan
komprehensif lainnya
Manfaat yang dibayarkan
Lainnya
(1.287.849)
(1.160.461)
(223.335)
(221.411)
125.058
103.893
538
17.115
76.908
-
Saldo akhir
(1.281.695)
(1.287.849)
Beginning balance
Employee benefit expense
during the year
Total amount recognized in
other comprehensive income
Benefits paid
Others
Ending balance
The
following
table
summarizes
the
components of employee benefit costs in
accordance with agreements between the
Bank, subsidiaries and their employees which
had complied with Labor Law No. 13/2003 that
were based on the actuarial reports listed in the
table above.
2014
121.756
103.028
2.813
(4.262)
223.335
218
126.298
98.639
1.311
(4.837)
221.411
b.
Provision
(continued)
for
Employee
Benefits
31 Desember/December 31
2015
Pengukuran Kembali Kewajiban
Imbalan Pasti Neto:
(Keuntungan)/kerugian aktuarial
dari perubahan asumsi keuangan
Keuntungan aktuarial dari penyesuaian
pengalaman
Lainnya
Jumlah yang diakui pada
pendapatan komprehensif lainnya
Rekonsiliasi Pendapatan
Komprehensif Lainnya
Saldo awal
Jumlah yang diakui pada pendapatan
komprehensif lainnya selama
tahun berjalan
Lainnya
Saldo akhir
2014
(74.393)
49.211
(51.203)
538
(66.326)
-
(125.058)
(17.115)
273.401
290.671
(125.058)
5.448
(17.115)
(155)
153.791
273.401
Tingkat mortalita
Tingkat pengunduran diri
Usia kurang dari 30 tahun
WOM
TMI11
TMI11
TMI11
11% per tahun/
annum
6% per tahun/
annum
3% per tahun/
annum
2% per tahun/
annum
2% per tahun/
annum
1% per tahun/
annum
0%
7,5% per tahun/
annum
8,75% per tahun/
annum
12 tahun/
years
Usia 30 - 34 tahun
Usia 35 - 39 tahun
Usia 40 - 44 tahun
Usia 45 - 50 tahun
Usia 51 - 52 tahun
0%
0%
7% per tahun/
annum
8,75% per tahun/
annum
12 tahun/
years
Kenaikan gaji
Tingkat diskonto
Sisa masa kerja karyawan
Ending balance
Reconciliation of Other
Comprehensive Income
Beginning balance
Total amount recognized in other
comprehensive income
during the year
Others
219
Mortality rate
Resignation rate
Age less than 30 years:
Age 30 - 34 years:
Age 35 - 39 years:
Age 40 - 44 years:
Age 45 - 50 years:
Age 51 - 52 years:
Age 53 years and over:
Salary increase rate
Discount rate
Remaining years of service of employee
b.
Provision
(continued)
Tingkat mortalita
Tingkat pengunduran diri
Usia kurang dari 30 tahun
WOM
TMI11
TMI11
TMI11
11% per tahun/
annum
6% per tahun/
annum
3% per tahun/
annum
2% per tahun/
annum
2% per tahun/
annum
1% per tahun/
annum
0%
7% per tahun/
annum
8,5% per tahun/
annum
15 tahun/
years
Usia 30 - 34 tahun
Usia 35 - 39 tahun
Usia 40 - 44 tahun
Usia 45 - 50 tahun
Usia 51 - 52 tahun
0%
0%
7% per tahun/
annum
8,5% per tahun/
annum
12 tahun/
years
Tingkat diskonto
Sisa masa kerja karyawan
Analisa sensitivitas
diskonto:
untuk
risiko
Benefits
Kenaikan gaji
Employee
for
Mortality rate
Resignation rate
Age less than 30 years:
Age 30 - 34 years:
Age 35 - 39 years:
Age 40 - 44 years:
Age 45 - 50 years:
Age 51 - 52 years:
Age 53 years and over:
Salary increase rate
Discount rate
Remaining years of service of employee
tingkat
2014
Penurunan/
Decrease
Kenaikan/
Increase
Penurunan/
Decrease
(11.992)
14.020
(13.091)
15.375
(103.450)
118.011
(16.027)
18.618
220
a.
a.
Bidang usaha
Business activities
Bidang Usaha
Perbankan konvensional
dan perbankan syariah
Usaha Pembiayaan
Usaha Pembiayaan
Business Activities
Bank
PT Maybank Indonesia Finance
PT Wahana Ottomitra Multiartha Tbk
221
Conventional banking
and sharia banking
Multi-financing
Multi-financing
Segmen usaha
b.
Business segment
Segmen operasi
Operating segment
Operating
segments
are
reported
in
accordance with the internal reporting
provided to the chief operating decision maker
which is responsible for allocating resources to
certain
segments
and
performance
assessments.
Untuk
kepentingan
manajemen,
Bank
diorganisasikan kedalam empat segmen
operasi berdasarkan produk dan jasa sebagai
berikut:
Untuk tahun yang berakhir pada tanggaltanggal 31 Desember 2015 dan 2014, Bank
dan
entitas
anak
membagi
segmen
berdasarkan unit bisnis.
222
b.
Perbankan
Bisnis/
Business
Banking 2)
299.695
3.335.960
934.808
(1.635.035)
Ritel/
Retail3)
Jumlah/
Total
Setelah
eliminasi/
After
elimination
Eliminasi/
Elimination
2.853.886
6.489.541
700.227
(1.303)
-
CONSOLIDATED
STATEMENT OF
COMPREHENSIVE
INCOME
Net interest income
Inter-segment interest
income/(expenses)
6.488.238
Pendapatan bunga
setelah bunga antar
segmen - bersih
Pendapatan operasional - kotor
Beban operasi
1.234.503
541.577
386.887
1.700.925
349.034
274.703
3.554.113
2.124.006
2.458.356
6.489.541
3.014.617
3.119.946
(1.303)
(400.678)
-
6.488.238
2.613.939
3.119.946
Pendapatan operasional
sebelum cadangan
kerugian penurunan
nilai - bersih
1.389.193
1.775.256
3.219.763
6.384.212
(401.981)
5.982.231
Pendapatan operasionalbersih
Pendapatan non-operasional
114.761
75.392
1.674.460
72
2.380.548
11.842
4.169.769
87.306
(401.981)
-
3.767.788
87.306
190.153
1.674.532
2.392.390
4.257.075
(401.981)
3.855.094
2.310.071
Indirect costs
1.143.562
157.619.013
141.875.745
CONSOLIDATED
STATEMENTS OF
FINANCIAL POSITION
Total asset
Total liabilities
LAPORAN POSISI
KEUANGAN
KONSOLIDASIAN
Jumlah aset
Jumlah liabilitas
1)
2)
3)
66.773.846
42.243.588
46.589.510
31.342.581
46.875.653
69.278.545
223
160.239.009
142.864.714
1)
2)
3)
(2.619.996 )
(988.969 )
b.
Perbankan
Bisnis/
Business
Banking 2)
Ritel/
Retail3)
Jumlah/
Total
Setelah
eliminasi/
After
elimination
Eliminasi/
Elimination
2.737.945
1.866.092
5.928.961
2.735
5.931.696
(347.503)
(1.036.429)
1.383.932
CONSOLIDATED
STATEMENT OF
COMPREHENSIVE
INCOME
Net interest income
Inter-segment interest
income/(expenses)
977.421
696.380
348.539
1.701.516
197.433
272.817
3.250.024
1.293.727
2.174.131
5.928.961
2.187.540
2.795.487
2.735
(370.850)
-
5.931.696
1.816.690
2.795.487
1.325.262
1.626.132
2.369.620
5.321.014
(368.115)
4.952.899
1.324.924
Pendapatan operasionalneto
Pendapatan non-operasional
485.441
(9.212)
1.524.100
(1.162)
1.587.578
5.696
3.597.119
(4.678)
(368.115)
-
3.229.004
(4.678)
476.229
1.522.938
1.593.274
3.592.441
(368.115)
3.224.326
2.251.408
Indirect costs
LAPORAN POSISI
KEUANGAN
KONSOLIDASIAN
Jumlah aset
Jumlah liabilitas
1)
2)
3)
61.448.817
37.149.773
40.978.145
30.795.085
43.055.539
61.824.651
224
145.482.501
129.769.509
1)
2)
3)
(2.117.290 )
(899.445 )
722.141
143.365.211
128.870.064
CONSOLIDATED
STATEMENTS OF
FINANCIAL POSITION
Total asset
Total liabilities
b.
Segmen geografis
Luar negeri/
Outside
Indonesia
1.588.828
13.854.780
Jumlah/
Total
15.538
50.695
1.604.366
13.905.475
Luar negeri/
Outside
Indonesia
1.579.022
13.345.329
17.167
54.485
Jumlah/
Total
1.596.189
13.399.814
49. INDONESIA
DEPOSIT
INSURANCE
CORPORATION
GUARANTEE
ON
OBLIGATIONS OF COMMERCIAL BANKS
225
1.
1.
2.
2.
3.
c.
d.
e.
3.
Komite Kredit
Komite Restrukturisasi Kredit
Komite Pengarah Teknologi Informasi
Profil Risiko
Secara berkala, Bank membuat profil risiko
mencerminkan tingkat risiko yang dimiliki
berdasarkan 8 (delapan) jenis risiko
ditetapkan Otoritas Jasa Keuangan, yaitu:
kredit, risiko pasar, risiko likuiditas,
operasional, risiko hukum, risiko kepatuhan,
reputasi, dan risiko stratejik.
Risk Profile
On a regular basis, the Bank prepares a risk profile
that reflects the Banks risk in accordance with
Financial Services Authoritys 8 (eight) types of
risks, that are: credit risk, market risk, liquidity risk,
operational risk, legal risk, compliance risk,
reputation risk and strategic risk.
yang
Bank
yang
risiko
risiko
risiko
226
227
Risiko Kredit
Credit Risk
a)
a)
b)
b)
228
a) Cash
collateral,
such
as
time
deposit/saving account/current account/
margin deposit/cash blocked or booked
as escrow account which are kept and
recorded by the bank and Stand-By
Letters of Credit (SBLC);
Pengungkapan
konsentrasi
risiko
kredit
maksimum berdasarkan kategori portofolio
adalah sebagai berikut:
31 Desember/December 31, 2015
Pemerintah/
Government
Lembaga
keuangan
bukan
Bank/
Financial
institution
non-Banks
Bank/
Bank
Perusahaan
lainnya/
Other
company
Perorangan/
Individual
Jumlah/
Total
10.329.997
10.329.997
1.852.052
1.852.052
Consolidated statements of
financial position
Current accounts
with Bank Indonesia
Current accounts
with other banks
11.254.876
2.694.017
13.948.893
451.475
7.617.581
612.206
333.841
1.108.035
451.475
9.671.663
380.716
9.276
266.547
120.069
223.952
44
647.263
353.341
3.463.898
12.646
1.144.637
-
49.816.590
2.103.567
49.776.582
8.327.056
-
104.201.707
8.327.056
2.116.213
Trading securities
Financial investments
Securities purchased
under resale agreement
Derivatives receivable
Loans and Sharia
financing/receivables
Consumer financing receivables
Acceptances receivable
Prepayments and other assets*)
25.932
44.675
396.758
372.643
840.008
30.043.921
9.047.367
1.523.153
53.648.902
58.476.325
152.739.668
(2.249.043)
150.490.625
Rekening administratif
Fasilitas pinjaman kepada
nasabah yang belum ditarik
L/C irrevocable yang masih berjalan
Garansi yang diberikan:
Bank garansi
*)
10.068
1.473.516
584.830
318.727
-
1.802.311
584.830
314.311
2.897.331
254.095
3.465.737
324.379
4.955.677
572.822
5.852.878
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan
tagihan card center dan Mastercard
229
Pemerintah/
Government
Lembaga
keuangan
bukan
Bank/
Financial
institution
non-Banks
Bank/
Bank
Perusahaan
lainnya/
Other
company
Perorangan/
Individual
Jumlah/
Total
9.850.805
9.850.805
1.313.223
1.313.223
Consolidated statements of
financial position
Current accounts
with Bank Indonesia
Current accounts
with other banks
4.467.868
1.115.565
5.583.433
58.612
8.288.241
16.639
755.090
42.047
688.297
14
1.381.251
147.076
220
58.612
11.112.879
205.996
2.684.475
36.346
646.586
-
48.830.101
2.777.031
45.869.508
8.270.897
-
98.030.670
8.270.897
2.813.377
Trading securities
Financial investments
Derivatives receivable
Loans and Sharia
receivables/financing
Consumer financing receivables
Acceptances receivable
Prepayments and other assets*)
19.092
53.785
381.108
326.223
780.208
22.682.165
5.965.838
1.388.682
53.516.567
54.466.848
138.020.100
(1.667.445)
136.352.655
Rekening administratif
Fasilitas pinjaman kepada
nasabah yang belum ditarik
L/C irrevocable yang masih berjalan
Garansi yang diberikan:
Bank garansi
*)
4.510
-
696.850
1.202.247
496.572
-
1.197.932
1.202.247
111.956
2.682.677
254.691
3.049.324
116.466
4.581.774
751.263
5.449.503
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan
tagihan card center dan Mastercard
Pengungkapan
konsentrasi
risiko
kredit
maksimum berdasarkan letak geografis adalah
sebagai berikut:
31 Desember/December 31, 2015
Jakarta/
Jakarta
Sumatera/
Sumatera
Jawa Tengah
dan
Yogyakarta/
Central Java
and
Yogyakarta
Jawa Barat/
West Java
Jawa Timur
dan Bali/
East Java
and Bali
Indonesia
Timur/
East
Indonesia
Lain-lain/
Others
Jumlah/
Total
10.021.621
308.376
1.632.194
6.221
11
728
212.898
1.852.052
7.944.768
451.475
8.347.756
14.311
6.004.125
1.309.596
13.948.893
451.475
9.671.663
647.263
353.341
647.263
353.341
56.435.778
948.222
9.735.643
-
4.687.086
89.241
4.389.928
347.499
10.349.811
586.561
8.920.888
144.690
9.682.573
8.327.056
-
104.201.707
8.327.056
2.116.213
Consolidated statements of
financial position
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with Bank Indonesia
and other banks
Trading securities
Financial investments
Securities purchased
under resale agreement
Derivatives receivable
Loans and Sharia
receivables/financing
Consumer financing receivables
Acceptances receivable
Prepayments and other assets*)
10.329.997
474.313
65.216
31.750
29.800
66.773
63.558
108.598
840.008
87.256.731
9.807.080
4.808.077
4.767.238
11.003.145
9.144.175
25.953.222
152.739.668
(2.249.043)
150.490.625
230
Jakarta/
Jakarta
Rekening administratif
Fasilitas pinjaman kepada
nasabah yang belum ditarik
L/C irrevocable yang masih
berjalan
Garansi yang diberikan:
Bank garansi
*)
804.491
Sumatera/
Sumatera
Jawa Tengah
dan
Yogyakarta/
Central Java
and
Yogyakarta
Jawa Barat/
West Java
31.114
95.700
Jawa Timur
dan Bali/
East Java
and Bali
206.442
Indonesia
Timur/
East
Indonesia
585.778
Lain-lain/
Others
77.631
Jumlah/
Total
1.155
1.802.311
307.381
1.095
23.241
36.486
174.535
2.960
39.132
584.830
2.071.257
116.783
151.628
106.070
261.257
370.372
388.370
3.465.737
3.183.129
148.992
270.569
348.998
1.021.570
450.963
428.657
5.852.878
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan
tagihan card center dan Mastercard
Jakarta/
Jakarta
Sumatera/
Sumatera
Jawa Tengah
dan
Yogyakarta/
Central Java
and
Yogyakarta
Jawa Barat/
West Java
Jawa Timur
dan Bali/
East Java
and Bali
Indonesia
Timur/
East
Indonesia
Lain-lain/
Others
Jumlah/
Total
205.996
205.996
55.873.209
1.690.353
9.632.816
531
4.641.891
115.125
5.132.847
343.165
8.447.416
385.339
8.640.086
278.864
5.662.405
8.270.897
-
98.030.670
8.270.897
2.813.377
Consolidated statements of
financial position
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with Bank Indonesia
and other banks
Trading securities
Financial investments
Securities purchased
under resale agreement
Derivatives receivable
Loans and Sharia
receivables/financing
Consumer financing receivables
Acceptances receivable
Prepayments and other assets*)
9.629.189
15
221.595
942.874
3.419
484
366.444
9.850.805
1.313.223
4.739.469
58.612
10.335.941
1.130
14.235
843.964
761.573
5.583.433
58.612
11.112.879
475.956
63.576
29.899
31.187
55.632
59.842
64.116
780.208
83.951.599
9.701.472
4.786.915
5.507.207
8.888.402
8.993.511
16.190.994
138.020.100
(1.667.445)
136.352.655
Rekening administratif
Fasilitas pinjaman kepada
nasabah yang belum ditarik
L/C irrevocable yang masih
berjalan
Garansi yang diberikan:
Bank garansi
*)
680.345
21.108
106.631
70.422
286.686
29.858
2.882
1.197.932
714.172
1.351
29.481
98.123
292.973
33.392
32.755
1.202.247
1.749.231
123.292
153.933
95.825
280.094
337.324
309.625
3.049.324
3.143.748
145.751
290.045
264.370
859.753
400.574
345.262
5.449.503
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan
tagihan card center dan Mastercard
231
1.
1.
2.
3.
2.
3.
1.
1.
2.
3.
4.
5.
2.
3.
4.
5.
232
1.
2.
2.
3.
3.
233
Foreclosed assets
Impairment assessment
234
Impairment assessment
Rupiah
Mata uang asing
249.408
1.602.497
Jumlah
Cadangan kerugian
penurunan nilai
1.851.905
2014
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
147
249.408
1.602.644
405.792
907.284
147
1.852.052
1.313.076
Mengalami
penurunan
nilai/
Impaired
(4)
(147)
1.851.901
(151)
1.851.901
(2)
Mengalami
penurunan
nilai/
Impaired
Jumlah/Total
147
405.792
907.431
Rupiah
Foreign currencies
147
1.313.223
Total
Allowance for
impairment losses
(147)
1.313.074
(149)
1.313.074
31 Desember/December 31
2015
Tidak
mengalami
penurunan
nilai/
Non-impaired
Rupiah
Penempatan pada
Bank Indonesia
Call money
Sertifikat deposito
Deposito berjangka
Jumlah
Cadangan kerugian
penurunan nilai
2014
Mengalami
penurunan
nilai/
Impaired
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
Mengalami
penurunan
nilai/
Impaired
Jumlah/Total
2.363.551
1.710.000
120.000
20.000
2.363.551
1.710.000
120.000
20.000
1.495.468
100.000
-
1.495.468
100.000
-
4.213.551
4.213.551
1.595.468
1.595.468
4.480.125
4.411.200
844.017
4.480.125
4.411.200
844.017
3.050.764
937.201
3.050.764
937.201
9.735.342
9.735.342
3.987.965
3.987.965
13.948.893
13.948.893
5.583.433
5.583.433
(1.200)
13.947.693
(1.200)
13.947.693
235
(1.000)
5.582.433
(1.000)
5.582.433
Rupiah
Placement with
Bank Indonesia
Call money
Certificate deposits
Time deposits
Foreign currencies
Placement with
Bank Indonesia
Time deposits
Call money
Total
Allowance for
impairment losses
Marketable
securities
recapitalization bonds
and
government
31 Desember/December 31
2015
Tidak
mengalami
penurunan
nilai/
Non-impaired
Rupiah
Obligasi rekapitalisasi
pemerintah
Surat Utang Negara
Obligasi korporasi
Surat Berharga Syariah
Negara
Sertifikat Bank
Indonesia Syariah
Surat Perbendaharaan Negara
Sertifikat Bank
Indonesia
Medium-term notes
Obligasi sukuk ijarah
dan mudharabah
Tagihan atas wesel ekspor
2014
Mengalami
penurunan
nilai/
Impaired
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
Mengalami
penurunan
nilai/
Impaired
Jumlah/Total
3.579.368
3.579.368
3.580.884
3.580.884
1.205.497
1.192.652
18.000
1.205.497
1.210.652
778.579
1.756.215
18.000
778.579
1.774.215
522.527
522.527
300.000
245.930
300.000
245.930
480.645
-
480.645
-
126.313
84.848
126.313
84.848
2.345.537
136.369
2.345.537
136.369
10.000
493
10.000
-
20.000
493
10.000
-
10.000
-
20.000
-
7.267.628
28.000
7.295.628
9.088.229
28.000
9.116.229
Jumlah
Cadangan kerugian
penurunan nilai
1.392.326
383.157
206.131
1.392.326
589.288
1.102.596
300.195
371.591
1.102.596
671.786
245.621
144.248
245.621
144.248
217.716
217.716
2.165.352
206.131
2.371.483
1.620.507
371.591
1.992.098
9.432.980
234.131
9.667.111
10.708.736
399.591
11.108.327
(759)
9.432.221
(200.898)
33.233
(201.657)
9.465.454
(311)
10.708.425
(236.232)
163.359
(236.543)
Rupiah
Government
recapitalization bonds
Government Promissory
Notes
Corporate bonds
Sovereign Shariah
Securities
Certificates of Bank
Indonesia Sharia
State Treasury Notes
Certificates of Bank
Indonesia
Medium-term notes
Sukuk ijarah and
mudharabah bonds
Export bills receivables
Foreign currencies
Government Promissory
Notes
Corporate Bonds
Sovereign Sharia
Securities
Export bills receivables
Total
Allowance for
impairment losses
10.871.784
Investment in shares
Penyertaan saham
31 Desember/December 31
2015
Tidak
mengalami
penurunan
nilai/
Non-impaired
Rupiah
Cadangan kerugian
penurunan nilai
1.320
1.320
2014
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
3.232
4.552
1.320
(3.132)
(3.132)
Mengalami
penurunan
nilai/
Impaired
100
1.420
236
(100)
1.220
Mengalami
penurunan
nilai/
Impaired
3.232
(3.132)
100
Jumlah/Total
4.552
(3.232)
1.320
Rupiah
Allowance for
impairment losses
Tagihan derivatif
Derivative receivables
31 Desember/December 31
2015
Tidak
mengalami
penurunan
nilai/
Non-impaired
349.294
-
Mengalami
penurunan
nilai/
Impaired
2014
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
353.341
202.180
4.047
(4.047)
349.294
(4.047)
349.294
(326)
201.854
Mengalami
penurunan
nilai/
Impaired
3.816
(191)
3.625
Jumlah/Total
205.996
(517)
Foreign currencies
Allowance for
impairment losses
205.479
31 Desember/December 31
2015
Tidak
mengalami
Mengalami
penurunan
penurunan
nilai/
nilai/
Non-impaired Impaired
Rupiah
Korporasi
Komersial/Usaha
Kecil Menengah
(UKM)
Konsumen
Syariah
Jumlah
Cadangan kerugian
penurunan nilai
2014
Tidak
mengalami Mengalami
penurunan penurunan
nilai/
nilai/
Jumlah/Total Non-impaired Impaired
Jumlah/Total
Rupiah
9.983.892
Corporate
Commercial/Small and
Medium Enterprises
34.800.550
(SME)
30.799.296
Consumer
4.064.817
Sharia
8.238.837
472.459
8.711.296
9.163.910
819.982
37.877.661
33.372.022
5.729.103
452.013
293.701
98.378
38.329.674
33.665.723
5.827.481
34.261.872
30.564.816
4.015.189
538.678
234.480
49.628
85.217.623
1.316.551
86.534.174
78.005.787
1.642.768
79.648.555
8.158.522
2.317.913
10.476.435
10.724.421
1.663.496
12.387.917
4.236.657
26.107
2.443.578
83.419
401.337
4.320.076
26.107
2.844.915
4.300.854
26.811
1.612.311
54.222
-
14.864.864
2.802.669
17.667.533
16.664.397
1.717.718
18.382.115
100.082.487
4.119.220
104.201.707
94.670.184
3.360.486
98.030.670
(575.669)
99.506.818
(1.295.792)
2.823.428
(1.871.461)
102.330.246
237
(403.671)
94.266.513
(871.302)
2.489.184
Foreign currencies
Corporate
Commercial/Small and
Medium Enterprises
4.355.076
(SME)
26.811
Consumer
1.612.311
Sharia
(1.274.973)
96.755.697
Total
Allowance for
impairment losses
Tidak
mengalami
penurunan
nilai/
Non-impaired
Rupiah
Cadangan kerugian
penurunan nilai
2014
Mengalami
penurunan
nilai/
Impaired
8.140.717
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
8.327.056
8.085.616
186.339
(71.057)
(96.338)
8.069.660
(167.395)
90.001
Mengalami
penurunan
nilai/
Impaired
(44.639)
8.159.661
Jumlah/Total
185.281
8.270.897
(78.258)
8.040.977
Rupiah
Allowance for
impairment losses
(122.897)
107.023
8.148.000
Acceptances receivable
Tagihan akseptasi
31 Desember/December 31
2015
Tidak
mengalami
penurunan
nilai/
Non-impaired
2014
Jumlah/Total
Tidak
mengalami
penurunan
nilai/
Non-impaired
Rupiah
Mata uang asing
777.826
1.338.387
777.826
1.338.387
286.213
2.527.164
286.213
2.527.164
Rupiah
Foreign currencies
Jumlah
Cadangan kerugian
penurunan nilai
2.116.213
2.116.213
2.813.377
2.813.377
Total
Allowance for
impairment losses
Mengalami
penurunan
nilai/
Impaired
2.116.213
2.116.213
Mengalami
penurunan
nilai/
Impaired
(28.134)
Jumlah/Total
2.785.243
(28.134)
2.785.243
Tingkat
standar/
Standard grade
Tingkat tinggi/
High grade
Tingkat
rendah/
Low grade
Jatuh tempo
dan tidak
mengalami
penurunan
nilai/Past-due
but not
impaired
Tanpa
peringkat/
Unrated
Mengalami
penurunan
nilai/
Impaired
Jumlah/
Total
Aset keuangan
Giro pada Bank Indonesia
Giro pada bank lain
Penempatan pada
Bank Indonesia
dan bank lain
Efek-efek yang
diperdagangkan
Investasi keuangan
Efek-efek yang dibeli dengan
janji dijual kembali
Tagihan derivatif
Kredit yang diberikan/piutang
pembiayaan shariah
Piutang pembiayaan
konsumen
Tagihan akseptasi
Beban dibayar dimuka dan
aset lain-lain*)
Jumlah
749.174
153.130
10.329.997
10.329.997
150.601
799.000
147
1.852.052
2.504.018
11.444.875
13.948.893
1.287.502
4.937
1.775.483
446.538
6.371.315
237.363
451.475
9.671.663
266.548
113.030
39.703
380.715
196.561
4.047
647.263
353.341
30.705.180
30.039.463
3.624.646
31.579.456
4.133.742
4.119.220
104.201.707
6.994.108
2.116.213
1.146.608
-
186.340
-
8.327.056
2.116.213
Financial assets
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with
Bank Indonesia
and other banks
840.008
840.008
Trading securities
Financial investments
Securities purchased
under resale agrements
Derivative receivables
Loans and Sharia
receivables/financing
Consumer financing
receivables
Acceptances receivables
Prepayment and other
assets*)
35.625.452
32.012.716
3.775.247
71.498.786
5.280.350
4.547.117
152.739.668
Total
(2.249.043)
150.490.625
*)
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan tagihan
card center dan Mastercard
238
Prepayments and other assets consist of interests receivable-net and card center
receivables and Mastercard
Tingkat
standar/
Standard grade
Tingkat tinggi/
High grade
Tingkat
rendah/
Low grade
Jatuh tempo
dan tidak
mengalami
penurunan
nilai/Past-due
but not
impaired
Tanpa
peringkat/
Unrated
Mengalami
penurunan
nilai/
Impaired
Jumlah/
Total
Aset keuangan
Giro pada Bank Indonesia
Giro pada bank lain
Penempatan pada
Bank Indonesia
dan bank lain
Efek-efek yang
diperdagangkan
Investasi keuangan
Tagihan derivatif
Kredit yang diberikan dan
Piutang/pembiayaan Syariah
Piutang pembiayaan
konsumen
Tagihan akseptasi
Beban dibayar dimuka dan
aset lain-lain*)
Jumlah
9.850.805
9.850.805
788.436
237.140
219.749
67.751
147
1.313.223
937.202
78.364
4.567.867
5.583.433
1.902.587
42.061
3.148
1.402.788
-
55.464
7.404.681
160.119
402.823
3.816
58.612
11.112.879
205.996
27.360.824
30.165.633
5.070.916
28.784.966
3.287.845
3.360.486
98.030.670
7.100.988
2.813.377
984.628
-
185.281
-
8.270.897
2.813.377
780.208
780.208
31.031.110
31.887.073
5.290.665
61.586.226
4.272.473
3.952.553
138.020.100
(1.667.445)
Financial assets
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with
Bank Indonesia
and other banks
Trading securities
Financial investments
Derivative receivables
Loans and Sharia
receivables/financing
Consumer financing
receivables
Acceptances receivables
Prepayment and other
assets*)
Total
Less: Allowance for
impairment losses
136.352.655
*)
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto dan tagihan
card center dan Mastercard
Prepayments and other assets consist of interests receivable-net and card center
receivables and Mastercard
a)
b)
b)
c)
c)
d)
Tanpa
peringkat:
Kategori
ini
tidak
menyediakan
peringkat
dikarenakan
ketidaktersediaan
dari
model-model
peringkat atau risiko pada lembaga
pemerintah dan/atau agen-agen yang
berhubungan dengan pemerintah.
d)
239
Jumlah/
Total
Korporasi
Komersial/Usaha
Kecil Menengah (UKM)
Konsumen
Syariah
Sampai dengan
30 hari/
Up to 30 days
31 - 60 hari/
days
61 - 90 hari/
days
758.147
29.785
728.362
221.662
2.865.790
288.143
96.886
2.363.444
204.040
62.683
372.476
64.205
62.093
129.870
19.898
4.133.742
2.694.155
499.364
940.223
Corporate
Commercial/Small and
Medium Enterprises (SME)
Consumer
Sharia
Jumlah/
Total
Korporasi
Komersial/Usaha
Kecil Menengah (UKM)
Konsumen
Syariah
Sampai dengan
30 hari/
Up to 30 days
31 - 60 hari/
days
61 - 90 hari/
days
323.260
231.728
55.056
36.476
155.628
2.154.352
654.605
92.062
1.903.913
608.677
55.389
225.848
36.460
8.177
24.591
9.468
3.287.845
2.836.380
372.753
78.712
Corporate
Commercial/Small and
Medium Enterprises (SME)
Consumer
Sharia
Jumlah/
Total
Piutang pembiayaan konsumen
1.146.608
Sampai dengan
30 hari/
Up to 30 days
924.710
31 - 60 hari/
days
162.155
61 - 90 hari/
days
59.743
Jumlah/
Total
Piutang pembiayaan konsumen
984.628
Sampai dengan
30 hari/
Up to 30 days
878.538
31 - 60 hari/
days
77.535
61 - 90 hari/
days
28.555
Risiko Pasar
Market Risk
2.556
14.082
77
734
241
Suku Bunga/
Interest Rate
2.761
7.370
774
2.176
Average
Highest
Lowest
End of period
Back
Testing
adalah
teknik
pemantauan
berkelanjutan dari efektivitas sebuah model VaR.
Walaupun model VaR mengestimasi hasil kerugian
potensial di masa mendatang, perhitungan yang
dilakukan didasarkan pada data pasar historis.
Dalam back test, hasil (kerugian/keuntungan)
dalam sehari dikomparasikan dengan VaR dalam
periode satu hari.
242
The following table below presents the interestearning assets and interest bearing liabilities (not
for trading purposes) at carrying amounts,
categorized by the earlier contractual re-pricing or
maturity dates:
Jumlah/
Total
Penempatan pada Bank
Indonesia dan bank lain
Investasi keuangan
Efek-efek yang dibeli dengan
janji dijual kembali
Kredit yang diberikan dan piutang/
pembiayaan Syariah
Piutang pembiayaan konsumen
Simpanan nasabah
Simpanan dari bank lain
Surat berharga yang diterbitkan
Pinjaman diterima
Obligasi subordinasi
Sampai dengan
3 bulan/
Up to 3 months
3 - 12 bulan/
months
Lebih dari
5 tahun/
More than
5 years
1 - 5 tahun/
years
13.948.893
9.671.663
13.948.893
4.216.118
575.590
3.753.852
1.126.103
647.263
647.263
104.201.707
8.327.056
57.922.201
692.426
16.902.893
1.888.550
23.508.848
5.603.176
5.867.765
142.904
136.796.582
77.426.901
19.367.033
32.865.876
7.136.772
115.486.436
2.898.462
7.583.458
4.275.496
4.486.968
59.802.386
933.549
649.974
2.038.782
-
20.380.635
651.085
2.615.552
655.898
-
35.275.703
1.313.828
4.317.932
1.580.816
2.991.312
27.712
1.495.656
134.730.820
63.424.691
24.303.170
45.479.591
1.523.368
Jumlah/
Total
Penempatan pada Bank
Indonesia dan bank lain
Investasi keuangan
Kredit yang diberikan dan
piutang/pembiayaan Syariah
Piutang pembiayaan konsumen
Simpanan nasabah
Simpanan dari bank lain
Surat berharga yang diterbitkan
Pinjaman diterima
Obligasi subordinasi
Sampai dengan
3 bulan/
Up to 3 months
3 - 12 bulan/
months
1 - 5 tahun/
years
Lebih dari
5 tahun/
More than
5 years
5.583.433
11.112.879
5.583.433
5.945.280
1.587.252
3.022.075
558.272
98.030.670
8.270.897
55.587.716
854.275
16.735.936
2.204.455
22.815.654
5.038.375
2.891.364
173.792
122.997.879
67.970.704
20.527.643
30.876.104
3.623.428
101.863.992
2.949.291
8.329.214
3.984.540
4.484.137
55.946.114
1.461.725
619.875
2.254.617
-
12.202.283
665.081
2.294.195
1.006.629
-
33.692.268
822.485
5.415.144
723.294
3.000.000
23.327
1.484.137
121.611.174
60.282.331
16.168.188
43.653.191
1.507.464
243
244
Efek pada
laba rugi/
Effect on
profit and loss
Efek pada
ekuitas
sebelum pajak/
Effect on
equity
before tax
Efek pada
laba rugi
Effect on
profit and loss
Efek pada
ekuitas
sebelum pajak/
Effect on
equity
before tax
Sensitivity to interest
rate risk
(95.116)
(46.718)
(177.809)
(334.568)
56.915
46.702
140.074
352.555
(48.358)
(69.727)
(66.789)
(209.677)
42.614
95.717
65.440
217.581
245
Peningkatan 1%/
1% increase
31 Desember 2015 (Tidak Diaudit)
Potensi keuntungan/(kerugian)
perubahan nilai tukar
31 Desember 2014 (Tidak Diaudit)
Potensi keuntungan/(kerugian)
perubahan nilai tukar
(5.575)
532
246
Penurunan 1%/
1% decrease
5.575
(532)
Risiko Likuiditas
Liquidity Risk
Langkah-langkah
yang
berkelanjutan
telah
dilakukan dalam mengelola risiko ini. Di sisi aset,
kebijakan untuk pembelian instrumen-instrumen
keuangan untuk posisi trading book telah
ditetapkan, yang juga meliputi kriteria-kriteria atau
jenis-jenis aset yang dapat dibeli terutama asetaset yang sangat likuid, balk untuk trading maupun
untuk investasi. Sementara itu di sisi liabilitas
analisis jenis-jenis liabilitas dan jangka waktunya
selalu dilakukan secara konsisten agar likuiditas
bisa terjaga sepanjang waktu.
Proper
measures
have
been
continually
implemented to manage this risk. On the asset
side, policies for financial assets holding for the
trading book are in place detailing the acceptable
criteria for trading and investment assets especially
for highly liquid assets. While on the liabilities side,
the liability mix in terms of type and tenor are
likewise analyzed on a continuous basis to ensure
sufficient liquidity at all times.
247
To
strengthen
liquidity
risk
management
implementation, the Bank has set up and examined
Liquidity Contingency Plan (LCP) to ensure the
Bank's readiness to face liquidity crisis, including
monitoring process of various early warning
indicator performed daily.
248
Sampai dengan
1 bulan/
Up to 1 month
Lebih dari
1 bulan
s/d 3 bulan/
More than
1 month
until 3 months
Lebih dari
3 bulan
s/d 6 bulan/
More than
3 months
until 6 months
Lebih dari
6 bulan
s/d 1 tahun/
More than
6 months
until 1 year
Lebih dari
1 tahun
s/d 3 tahun/
More than
1 year
until 3 years
Lebih dari
3 tahun
s/d 5 tahun/
More than
3 years
until 5 years
837.761
74.686.045
22.076.944
16.467.259
3.690.950
337.156
1.808.689
378.005
2.110.160
470.104
-
160.772
-
508.717
-
25.275
1.436.791
857.242
651.004
974.606
323.372
1.978.521
429.981
4.474.070
1.364.093
198.940
312.203
8.508.654
4.517.444
Securities issued
Borrowings
579.283
-
3.578
3.500
7.156
2.234.348
1.204.433
1.578.519
579.283
5.031.534
81.862.009
24.058.872
17.929.509
6.615.325
8.409.667
1.715.576
1.578.519
142.169.477
Total
Lebih dari
5 tahun/
More than
5 years
Jumlah/
Total
LIABILITAS
Liabilitas segera
Simpanan nasabah
Simpanan dari bank lain
Liabilitas derivatif
Liabilitas akseptasi
Surat berharga yang
diterbitkan
Pinjaman diterima
Beban yang masih harus
dibayar dan liabilitas
lain-lain*)
Obligasi subordinasi
Jumlah
*)
*)
Beban yang masih harus dibayar dan liabilitas lain-lain terdiri atas beban bunga yang
masih harus dibayar
LIABILITIES
Obligations due
837.761
immediately
117.258.354 Deposits from customers
Deposits from other
2.948.282
banks
378.005
Derivatives payable
2.110.160
Acceptances payable
Sampai dengan
1 bulan/
Up to 1 month
Lebih dari
1 bulan
s/d 3 bulan/
More than
1 month
until 3 months
Lebih dari
3 bulan
s/d 6 bulan/
More than
3 months
until 6 months
Lebih dari
6 bulan
s/d 1 tahun/
More than
6 months
until 1 year
Lebih dari
1 tahun
s/d 3 tahun/
More than
1 year
until 3 years
Lebih dari
3 tahun
s/d 5 tahun/
More than
3 years
until 5 years
867.049
72.259.429
18.810.884
7.264.050
4.534.053
369.485
2.268.396
224.098
2.809.494
33.172
-
100.418
-
595.121
-
1.633.990
674.556
774.763
1.059.530
495.232
1.390.407
622.766
4.298.159
706.821
2.020.793
99.515
9.443.445
4.333.087
Securities issued
Borrowings
531.900
-
3.578
3.461
7.156
28.428
3.423.457
1.577.944
531.900
5.044.024
80.594.356
20.296.953
8.922.691
7.149.503
5.402.893
5.543.765
1.577.944
129.488.105
Total
Lebih dari
5 tahun/
More than
5 years
Jumlah/
Total
LIABILITAS
Liabilitas segera
Simpanan nasabah
Simpanan dari bank lain
Liabilitas derivatif
Liabilitas akseptasi
Surat berharga yang
diterbitkan
Pinjaman diterima
Beban yang masih harus
dibayar dan liabilitas
lain-lain*)
Obligasi subordinasi
Jumlah
*)
*)
Beban yang masih harus dibayar dan liabilitas lain-lain terdiri atas beban bunga yang
masih harus dibayar
LIABILITIES
Obligations due
867.049
immediately
103.237.901 Deposits from customers
Deposits from other
2.997.107
banks
224.098
Derivatives payable
2.809.494
Acceptances payable
Risiko Operasional
Operational Risk
249
1.
2.
3.
250
Risiko Reputasi
Reputation Risk
251
Risiko Hukum
Legal Risk
252
253
Risiko Kepatuhan
Compliance Risk
254
a)
Menerbitkan
kebijakan
terkait
dengan
penetapan limit risiko, konsistensi kebijakan
manajemen risiko, penerapan kepatuhan pada
jenjang organisasi, kebijakan penyimpangan
dalam
pengambilan
keputusan
guna
menyelaraskan dengan struktur organisasi
yang
berlaku,
kebijakan
pemantauan
kepatuhan dan kebijakan (whistleblowing)
serta kebijakan pelaporan kepada Bank
Indonesia sesuai ketentuan yang berlaku;
a)
b)
Menerbitkan
prosedur
terkait
dengan
ketepatan waktu pengkomunikasian kebijakan
kepada seluruh pegawai, pengendalian dan
analisa terhadap produk dan aktivitas baru,
kewajiban pelaporan dan sistem data,
kecukupan pengawasan komisaris dan direksi,
pemisahan fungsi, dan lain-lain;
b)
c)
c)
255
d)
d)
e)
e)
1)
1)
2)
Melakukan
analisa
kepatuhan
untuk
memberikan
saran,
masukan
serta
rekomendasi atas draft kebijakan internal Bank
termasuk review terhadap produk dan aktivitas
baru yang akan diterbitkan untuk memastikan
bahwa kebijakan internal yang dikeluarkan
oleh manajemen dan produk/aktivitas baru
tersebut telah sesuai dengan peraturan
perundang-undangan yang berlaku;
2)
3)
3)
Perform
monitoring
and
ensure
the
compliance with the agreements and
commitments made with Bank Indonesia and
Financial Services Authority, also responsible
to submit all progress reports of the findings
and corrective actions to Bank Indonesia and
Financial Services Authority, and also act as
liaison officer between Bank Indonesia and
Financial Services Authority and the Bank;
4)
5)
5)
256
6)
7)
8)
9) Dalam
rangka
untuk
mendukung
pemberlakuan peraturan tentang FATCA
(Foreign Account Tax Compliance Act), Bank
telah terdaftar sebagai PFFI (Participating
Foreign Financial Institution) pada tanggal 2
Mei 2014 dengan nomor GIIN GQPKMT 00002
ME 360 dan kebijakan internal mengenai
FATCA telah diterbitkan pada bulan Juli 2014.
9)
10) Implementation
of
Good
Corporate
Governance (GCG) was performed the Bank,
for both conventional banks and Islamic
business units, such as:
- Preparation of Self Assessment at regular
intervals, of which GCG is one factor of the
bank soundness assessment.
6)
257
Risiko Stratejik
Strategic Risk
258
Diukur pada
nilai wajar/
Fair value
through profit
and loss
Aset keuangan
Giro pada Bank
Indonesia
Giro pada bank lain
Penempatan pada
Bank Indonesia
dan bank lain
Efek-efek yang
diperdagangkan
Investasi keuangan
- Dimiliki hingga
jatuh tempo
- Sukuk ijarah dan
Mudharabah
- Tersedia untuk dijual
- Pinjaman yang
diberikan dan
piutang
- Penyertaan saham
Efek-efek yang dibeli
dengan janji dijual
kembali
Tagihan derivatif
Kredit yang diberikan dan
piutang/pembiayaan Syariah
Piutang pembiayaan
konsumen
Tagihan akseptasi
Beban dibayar dimuka
dan aset lain-lain*)
Dimiliki
hingga
jatuh tempo/
Heid-to
-maturity
Pinjaman
yang
diberikan
dan piutang/
Loans
and
receivables
Diukur pada
biaya
perolehan/
Acquisition
cost
Biaya
perolehan
diamortisasi
lainnya/
Other
amortized
cost
Tersedia
untuk
dijual/
Availableforsale
Jumlah
nilai
tercatat/
Carrying value
Nilai wajar/
Fair value
10.329.997
10.329.997
10.329.997
1.851.901
1.851.901
1.851.901
13.947.693
13.947.693
13.947.693
451.475
451.475
451.475
1.190.814
1.190.814
1.191.845
9.900
-
7.820.658
9.900
7.820.658
9.960
7.820.658
444.082
-
1.420
444.082
1.420
349.294
647.263
647.263
349.294
Financial assets
Current accounts with
Bank Indonesia
Current account with
other banks
Placements with Bank
Indonesia and other
banks
Trading securities
Financial investments
Held-to-maturity Sukuk ijarah and mudharabah
Available-for-sale -
102.330.246
102.330.246
8.159.661
2.116.213
8.159.661
2.116.213
840.008
840.008
800.769
1.190.814
9.900
140.667.064
7.822.078
150.490.625
834.200
115.486.436
834.200
115.486.436
378.005
-
2.898.462
2.110.160
2.898.462
378.005
2.110.160
7.583.458
4.275.496
7.583.458
4.275.496
7.560.087
4.232.601
Securities issued
Borrowings
579.283
4.486.968
579.283
4.486.968
579.283
4.477.918
Jumlah liabilitas
378.005
138.254.463
138.632.468
138.557.152
Total liabilities
Jumlah aset
Liabilitas keuangan
Liabilitas segera
Simpanan nasabah
156.285.682
Total assets
Financial liabilities
Obligations due
834.200
immediately
115.486.436 Deposits from customers
Deposits from other
2.898.462
banks
378.005
Derivatives payable
2.110.160
Acceptances payable
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto
dan tagihan card center dan Mastercard
*)
*)
Beban yang masih harus dibayar dan liabilitas lain-lain terdiri atas
beban bunga yang masih harus dibayar
*)
259
INSTRUMEN
KEUANGAN
Tersedia
untuk dijual/
Availablefor-sale
9.850.805
9.850.805
9.850.805
1.313.074
1.313.074
1.313.074
5.582.433
5.582.433
5.582.433
58.612
58.612
9.900
9.900
10.048
10.163.734
10.163.734
10.163.734
Available-for-sale -
698.150
698.150
698.150
1.320
-
1.320
205.479
1.320
205.479
96.755.697
96.755.697
100.467.844
8.148.000
2.785.243
8.148.000
2.785.243
8.064.722
2.785.243
780.208
780.208
780.208
264.091
9.900
125.913.610
10.165.054
136.352.655
139.981.672
Total assets
224.098
-
867.049
101.863.992
2.949.291
2.809.494
867.049
101.863.992
2.949.291
224.098
2.809.494
Financial liabilities
867.049 Obligations due immediately
101.863.992
Deposits from customers
2.949.291
Deposits from other banks
224.098
Derivatives payable
2.809.494
Acceptances payable
8.329.214
3.984.540
8.329.214
3.984.540
8.255.865
4.109.732
Securities issued
Borrowings
531.900
4.484.137
531. 900
4.484.137
531. 900
4.402.037
224.098
125.819.617
126.043.715
126.013.458
Total liabilities
Biaya
perolehan
diamortisasi
lainnya/
Other
Jumlah nilai
amortized
tercatat/
cost
Carrying value
Nilai wajar/
Fair value
Financial assets
Current accounts with
Bank Indonesia
Current account with
other banks
Placements with Bank
Indonesia and other
banks
Trading securities
Financial investments
Sukuk ijarah and mudharabah
*)
Beban dibayar dimuka dan aset lain-lain terdiri atas piutang bunga-neto
dan tagihan card center dan Mastercard
*)
*)
Beban yang masih harus dibayar dan liabilitas lain-lain terdiri atas
beban bunga yang masih harus dibayar
*)
260
INSTRUMEN
KEUANGAN
The
fair
value
of
loans
and
sharia
receivables/financing, held to maturity securities
and
consumer
financing
receivables
are
determined by discounting cash flows using current
market interest rate.
261
INSTRUMEN
KEUANGAN
Tingkat 1/
Level 1
Tingkat 2/
Level 2
Tingkat 3/
Level 3
Jumlah/
Total
Aset keuangan:
Efek-efek yang diperdagangkan
Investasi keuangan
- Dimiliki hingga jatuh tempo
- Sukuk ijarah dan mudharabah
- Tersedia untuk dijual
- Pinjaman yang diberikan
dan piutang
- Penyertaan saham
Efek-efek yang dibeli
dengan janji dijual
kembali - bersih
Tagihan derivatif
Kredit yang diberikan dan
piutang/pembiayaan Syariah
Piutang pembiayaan konsumen
Jumlah asset
Liabilitas keuangan:
Liabilitas derivatif
Surat berharga yang diterbitkan
Pinjaman diterima
Obligasi subordinasi
Jumlah liabilitas
Financial assets:
Current accounts with Bank
Trading securities
Financial investments
Held-to-maturity Sukuk ijarah and mudharabah Available-for-sale -
451.475
212.384
239.091
451.475
1.190.814
9.900
7.820.658
4.519.312
9.960
3.301.346
1.191.845
-
1.191.845
9.960
7.820.658
444.082
1.420
444.082
1.420
444.082
1.420
647.263
349.294
349.294
647.263
-
647.263
349.294
102.330.246
8.159.661
108.521.935
7.761.938
108.521.935
7.761.938
121.404.813
4.731.696
3.899.691
118.568.483
127.199.870
Total assets
378.005
7.583.458
4.275.496
4.486.968
378.005
7.560.087
4.232.601
4.477.918
378.005
7.560.087
4.232.601
4.477.918
Financial liabilities:
Derivatives payable
Securities issued
Borrowings
Subordinated bonds
16.723.927
16.648.611
16.648.611
Total liabilities
Tingkat 1/
Level 1
Tingkat 2/
Level 2
Tingkat 3/
Level 3
Jumlah/
Total
Aset keuangan:
Efek-efek yang diperdagangkan
Investasi keuangan
- Sukuk ijarah dan mudharabah
- Tersedia untuk dijual
- Pinjaman yang diberikan
dan piutang
- Penyertaan saham
Tagihan derivatif
Kredit yang diberikan dan
piutang/pembiayaan Syariah
Piutang pembiayaan
konsumen
Jumlah asset
Liabilitas keuangan:
Liabilitas derivatif
Surat berharga yang diterbitkan
Pinjaman diterima
Obligasi subordinasi
Jumlah liabilitas
58.612
41.302
17.310
58.612
9.900
10.163.734
4.147.219
10.048
6.016.515
10.048
10.163.734
698.150
1.320
205.479
205.479
698.150
1.320
-
698.150
1.320
205.479
96.755.697
100.467.844
100.467.844
Financial assets:
Current accounts with Bank
Trading securities
Financial investments
Sukuk ijarah and mudharabah Available-for-sale -
8.148.000
8.064.722
8.064.722
116.040.892
4.188.521
6.249.352
109.232.036
119.669.909
Total assets
224.098
8.329.214
3.984.540
4.484.137
224.098
8.255.865
4.109.732
4.402.037
224.098
8.255.865
4.109.732
4.402.037
Financial liabilities:
Derivatives payable
Securities issued
Borrowings
Subordinated bonds
17.021.989
16.991.732
16.991.732
Total liabilities
262
Bank
menyusun
Rencana
Permodalan
berdasarkan penilaian dan penelaahan atas
kebutuhan
kecukupan
permodalan
yang dipersyaratkan dan mengkombinasikannya
dengan tinjauan perkembangan ekonomi terkini
dan hasil dari metode stress test. Bank senantiasa
akan menghubungkan tujuan keuangan dan
kecukupan modal terhadap risk appetite melalui
proses perencanaan modal dan stress test, begitu
pula dengan bisnis yang didasarkan pada
permodalan dan persyaratan likuiditas Bank.
263
31 Desember/December 31
2015
2014
Konsolidasi
Modal
Tier I
Tier II
13.638.601
4.397.970
13.251.453
4.938.051
Consolidated
Capital
Tier I
Tier II
Jumlah Modal
18.036.571
18.189.504
Total Capital
103.147.473
101.509.821
14.560.948
13.443.897
1.206.032
427.488
11,47%
11,47%
3,70%
15,17%
11,48%
11,48%
4,28%
15,76%
Cet 1 Ratio
Tier 1 Ratio
Tier 2 Ratio
Ratio total
9 - 9,99%
9 - 9,99%*)
Bank
Modal
Tier I
Tier II
11.827.081
4.327.318
12.281.016
4.655.887
Bank
Capital
Tier I
Tier II
Jumlah Modal
16.154.399
16.936.903
Total Capital
95.700.998
94.784.733
11.293.246
10.273.665
1.208.999
428.015
10,93%
10,93%
4,00%
14,93%
11,64%
11,64%
4,41%
16,06%
Cet 1 Ratio
Tier 1 Ratio
Tier 2 Ratio
Ratio total
9-9,99%
9-9,99%*)
*) Sesuai dengan PBI 15/12/2013 yang berlaku efektif 1 Januari 2014 tentang Kewajiban Penyediaan Modal Minimum (KPMM) dimana Risiko Profil
Bank adalah di Tingkat 2/According to PBI 15/12/2013 effective from January 1, 2014 on Capital Adequacy Ratio (CAR) in which the Risk Profile of
the Bank is at level 2
264
a.
Lebih dari
1 bulan s/d
3 bulan/
More than
1 month
until
3 months
Lebih dari
3 bulan s/d
6 bulan/
More than
3 months
until
6 months
Lebih dari
6 bulan s/d
12 bulan/
More than
6 months
until
12 months
Lebih dari
12 bulan/
More than
12 months
Jumlah/
Total
1.978.750
1.978.750
10.329.997
10.329.997
1.852.052
1.852.052
13.943.893
Sampai
dengan
1 bulan/
Up to
1 month
302.466
5.000
13.948.893
647.263
195.083
-
167.705
-
88.687
-
451.475
647.263
326.690
98.113
460.541
13.008
136.009
20.245
419.077
47.041
8.324.794
174.934
9.671.663
353.341
6.169.771
5.956.433
11.273.113
18.395.885
62.406.505
104.201.707
29.999
596.844
44.537
893.393
147.869
563.472
535.875
62.504
7.568.776
8.327.056
2.116.213
4.128.333
4.426.247
Trading securities
Financial investments
Securities purchased
under resace
agrement
Derivatives receivable
Loans and Sharia
receivables/financing
Consumer financing
receivables
Acceptances receivable
Prepayments and
other assets
40.101.705
7.372.912
12.335.791
19.628.087
78.563.696
158.304.657
Total assets
834.200
16.157.500
25.599.942
73.728.994
2.898.462
378.005
2.110.160
Liabilities
Obligations
due immediately
Demand deposits
Savings deposits
Time deposits
Deposits from other banks
Derivatives payable
Acceptances payable
Liabilitas
Liabilitas segera
Giro
Tabungan
Deposito berjangka
Simpanan dari bank lain
Liabilitas derivatif
Liabilitas akseptasi
Surat berharga
yang diterbitkan
Pinjaman diterima
Beban yang masih
harus dibayar dan
liabilitas lain-lain
Obligasi subordinasi
Assets
Cash
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with Bank
Indonesia and other
banks
834.200
16.157.500
25.599.942
32.018.490
1.807.838
78.979
592.044
21.822.752
468.460
31.753
892.463
16.013.002
155.205
105.384
563.149
3.545.205
466.959
6.804
62.504
329.545
24.647
841.355
649.974
468.925
1.057.352
45.266
3.750.719
211.672
2.125.413
2.683.631
7.583.458
4.275.496
Securities issued
Borrowings
2.242.653
-
1.281.696
4.486.968
3.524.349
4.486.968
Jumlah liabilitas
24.647
80.173.001
24.334.327
17.939.358
8.043.863
11.062.338
141.577.534
Total liabilities
Aset (liabilitas)
neto
277.819
(40.071.296)
(16.961.415)
(5.603.567)
11.584.224
67.501.358
16.727.123
265
155.085
Tidak
mempunyai
tanggal
jatuh tempo
kontraktual/
No
contractual
maturity
Aset
Kas
Giro pada Bank
Indonesia
Lebih dari
1 bulan s/d
3 bulan/
More than
1 month
until
3 months
Lebih dari
3 bulan s/d
6 bulan/
More than
3 months
until
6 months
Lebih dari
6 bulan s/d
12 bulan/
More than
6 months
until
12 months
Lebih dari
12 bulan/
More than
12 months
Jumlah/
Total
2.195.531
2.195.531
9.850.805
9.850.805
1.313.223
1.313.223
5.505.069
29.386
48.978
5.583.433
2.022.721
24.951
580.210
45.079
946.714
4.026
1.388
603.863
2.725
57.224
6.954.819
129.215
58.612
11.112.879
205.996
5.566.544
5.972.875
11.814.587
14.861.019
59.815.645
98.030.670
25.929
755.841
49.895
1.134.137
228.384
840.403
797.214
82.996
7.169.475
-
8.270.897
2.813.377
Sampai
dengan
1 bulan/
Up to
1 month
243.080
3.525.574
3.764.102
Trading securities
Financial investments
Derivatives receivable
Loans and Sharia
receivables/financing
Consumer financing
receivables
Acceptances receivable
Prepayments and
other assets
30.786.188
7.811.582
13.883.092
16.349.205
74.126.378
143.199.525
Total assets
Liabilities
Obligations
due immediately
Demand deposits
Savings deposits
Time deposits
Deposits from other banks
Derivatives payable
Acceptances payable
Liabilitas
Liabilitas segera
Giro
Tabungan
Deposito berjangka
Simpanan dari bank lain
Liabilitas derivatif
Liabilitas akseptasi
Surat berharga
yang diterbitkan
Pinjaman diterima
Beban yang masih
harus dibayar dan
liabilitas lain-lain
Obligasi subordinasi
Assets
Cash
Current accounts with
Bank Indonesia
Current accounts with
other banks
Placements with Bank
Indonesia and other
banks
867.049
16.344.264
23.454.717
31.581.748
2.263.689
3.606
751.958
18.656.032
32.761
48.977
1.134.137
7.094.463
101.057
24.327
840.403
4.374.269
551.784
21.788
82.996
358.499
125.400
-
867.049
16.344.264
23.454.717
62.065.011
2.949.291
224.098
2.809.494
1.087.254
619.877
498.699
999.962
212.782
1.673.973
327.582
5.035.402
1.858.223
8.329.214
3.984.540
Securities issued
Borrowings
1.992.170
-
1.081.311
4.484.137
3.073.481
4.484.137
Jumlah liabilitas
78.346.455
20.990.483
9.272.994
7.032.392
12.942.972
128.585.296
Total liabilities
Aset (liabilitas)
neto
243.080
(47.560.267)
(13.178.901)
4.610.098
9.316.813
61.183.406
14.614.229
266
b.
c.
c.
267
Penyesuaian
sehubungan
dengan penerapan
awal PSAK 24
(Revisi 2013)/
Adjustments of first
implementation
of SFAS 24
(Revised 2013)
Sebelum
disesuaikan/
Before
adjustment
Setelah
disesuaikan/
As
adjusted
31 Desember 2014
Aset
Aset pajak tangguhan
46.745
475.297
Assets
Deferred tax assets
116.680
(4.890)
111.790
Liabilities
Deferred tax liabilities
Accrued expenses and other liabilities
Liabilitas
Liabilitas pajak tangguhan
Beban yang masih harus dibayar
dan liabiltas lain - lain
2.866.942
206.539
3.073.481
Ekuitas
Kerugian aktuarial atas program
manfaat pasti
Saldo laba
Kepentingan non-pengendali
5.989.649
207.851
(205.051)
55.721
(5.574)
(205.051)
6.045.370
202.277
Assets
1 Januari 2014
Aset
Aset pajak tangguhan
Liabilitas
Liabilitas pajak tangguhan
Beban yang masih harus dibayar dan
liabiltas lain-lain
Ekuitas
Kerugian aktuarial atas program
manfaat pasti
Saldo laba
Kepentingan non-pengendali
395.518
54.112
449.630
Assets
Deferred tax assets
103.026
(5.071)
97.955
Liabilities
Deferred tax liabilities
2.990.871
2.754.135
236.736
Equity
5.368.385
194.042
(218.003)
46.232
(5.782)
Penyesuaian
sehubungan
dengan penerapan
awal PSAK 24
(Revisi 2013)/
Adjustments of first
implementation
of SFAS 24
(Revised 2013)
Sebelum
disesuaikan/
Before
adjustment
(218.003)
5.414.617
188.260
Setelah
disesuaikan/
As
adjusted
2.155.647
(13.083)
2.142.564
(247.506)
(3.271)
(250.777)
712.328
9.813
722.141
Consolidated statements of
Profit or Loss and Other
Comprehensive Income
December 31, 2014
31 Desember 2014
Beban operasional lainnya
Tenaga kerja
Consolidated statements of
Financial Position
17.115
17.115
(4.279)
(4.279)
698.519
13.809
9.489
324
738.875
13.809
22.441
208
268
708.008
14.133
761.316
14.017
Penyesuaian
sehubungan
dengan penerapan
awal PSAK 24
(Revisi 2013)/
Adjustments of first
implementation
of SFAS 24
(Revised 2013)
Sebelum
disesuaikan/
Before
adjustment
Setelah
disesuaikan/
As
adjusted
Consolidated Statements
of Cash Flows
31 Desember 2014
Kas neto digunakan untuk
aktivitas operasi
Kas neto diperoleh dari
aktivitas pendanaan
(6.527.436)
(208)
(6.527.644)
4.729.595
208
4.729.803
55. FINANCIAL
BRANCH
INFORMATION
ON
SHARIA
31 Desember/December 31
2015
2014
ASET
Kas
Penempatan pada Bank Indonesia
Penempatan pada bank lain
Surat berharga yang dimiliki
Pembiayaan berbasis piutang
Pembiayaan bagi hasil
Pembiayaan sewa
Dikurangi : Cadangan kerugian
penurunan nilai aset produktif
Individual
Kolektif
Aset tetap dan inventaris
Aset non-produktif
Aset lainnya
JUMLAH ASET
ASSETS
1.524
6.472.501
361
908.148
2.758.120
5.785.910
128.358
(169.350)
(61.850)
3.611
11.443
150.085
15.988.861
1.940
1.367.840
151
120.000
2.740.360
2.893.403
45.253
(3.491)
(84.450)
4.409
6.385
87.285
7.179.085
Cash
Placements with Bank Indonesia
Placements with other banks
Marketable securities
Receivables financing
Profit sharing financing
Lease financing
Less : Allowance for impairment losses
on earning assets
Individual
Collective
Fixed assets and inventories
Non-earning assets
Other assets
TOTAL ASSETS
LIABILITIES AND EQUITY
385.343
6.002.067
33.863
300.000
386.883
8.307.893
308.841
3.850.037
21.612
300.000
34.785
2.378.923
LIABILITIES
Wadiah demand deposits
Non-profit sharing investment deposits
Liabilities to other banks
Securities issued
Other liabilities
Business funds
572.812
284.887
EQUITY
Retained earnings
15.988.861
7.179.085
269
55. FINANCIAL
INFORMATION
BRANCH (continued)
ON
SHARIA
31 Desember/December 31
2015
2014
COMMITMENTS AND
CONTINGENCIES
KEWAJIBAN KONTINJENSI
Garansi yang diberikan
650.122
49.713
COMMITMENTS LIABILITIES
Unused loan commitments
granted to customers
16.973
-
6.386
1.902
CONTINGENT RECEIVABLES
Past due margin revenues
Others
16.973
8.288
344.625
309.625
CONTINGENT LIABILITIES
Guarantees issued
2014
376.937
366.309
94.716
349.987
124.197
55.551
JUMLAH PENDAPATAN
PENYALURAN DANA
837.962
529.735
181.677
153.777
181.677
153.777
PENDAPATAN SETELAH
DISTRIBUSI BAGI HASIL
656.285
375.958
PENDAPATAN OPERASIONAL
LAINNYA
Komisi/provisi/fee dan administrasi
Pendapatan lainnya
JUMLAH PENDAPATAN
OPERASIONAL LAINNYA
13.931
63.419
11.268
31.569
77.350
42.837
270
55. FINANCIAL
INFORMATION
BRANCH (continued)
ON
SHARIA
2014
4.230
9.744
220.483
119.612
1.130
31.640
186.461
1.346
24.557
165.475
443.944
320.734
(366.594)
(277.897)
OTHER OPERATING
EXPENSES - NET
289.691
98.061
OPERATING INCOME
NON-OPERATING INCOME
AND EXPENSES
Gains from sales of fixed assets
and inventories
(Losses)/gains from the
translation of foreign currency
Non-operating expenses
(1.878)
(120)
427
(124)
(RUGI)/LABA NON-OPERASIONAL
(1.767)
303
NON-OPERATING (LOSSES)/INCOME
98.364
231
287.924
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
OF
271
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
56. NEW
AND
FINANCIAL
(continued)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
Amandemen
ini
memperkenankan
penggunaan metode ekuitas untuk mencatat
investasi pada entitas anak, ventura
bersama dan entitas asosiasi dalam laporan
keuangan tersendiri.
272
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
56. NEW
AND
FINANCIAL
(continued)
e)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
PSAK
24
meminta
entitas
untuk
mempertimbangkan iuran dari pekerja atau
pihak ketiga ketika memperhitungkan
program manfaat pasti. Ketika iuran tersebut
sehubungan dengan jasa, iuran tersebut
harus diatribusikan pada periode jasa
sebagai imbalan negatif. Amandemen ini
mengklarifikasi bahwa, jika jumlah iuran
tidak bergantung pada jumlah tahun jasa,
entitas diperbolehkan untuk mengakui iuran
tersebut sebagai pengurang dari biaya jasa
dalam periode ketika jasa terkait diberikan,
daripada mengalokasikan iuran tersebut
pada periode jasa.
g)
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
56. NEW
AND
FINANCIAL
(continued)
h)
h) Amandemen
PSAK
66:
Pengaturan
Bersama
tentang
Akuntansi
Akuisisi
Kepentingan dalam Operasi Bersama,
berlaku efektif 1 Januari 2016.
Amendments
to
SFAS
66:
Joint
Arrangements on Accounting Acquisition of
Interests in Joint Operations, effective
January 1, 2016.
The amendments require that a joint
operator accounting for the acquisition of an
interest in a joint operation, in which the
activity of the joint operation constitutes a
business must apply the relevant SFAS 22
principles
for
business
combinations
accounting.
i)
j)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
i)
Interpretasi
ini
membahas
akuntansi
liabilitas membayar pungutan jika termasuk
dalam ruang lingkup PSAK 57 Provisi,
Liabilitas Kontinjensi dan Aset Kontinjensi.
Interpretasi ini juga membahas akuntansi
liabilitas membayar pungutan yang waktu
dan jumlahnya pasti.
274
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
l)
56. NEW
AND
FINANCIAL
(continued)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
The
improvement
clarifies
that
a
management entity (an entity that provides
key management personnel services) is a
related party subject to the related party
disclosures. In addition, an entity that uses a
management entity is required to disclose
the expenses incurred for management
services.
Penjelasan
tambahan
jasa
PSAK 13
membedakan antara properti investasi dan
properti
yang
digunakan
sendiri.
Penyesuaian ini mengklarifikasi bahwa
PSAK 22, dan bukan penjelasan tambahan
jasa PSAK 13, digunakan untuk menentukan
apakah transaksi tersebut adalah pembelian
aset atau kombinasi bisnis.
m) PSAK
7
(Penyesuaian
Pengungkapan
Pihak-pihak
berlaku efektif 1 Januari 2016.
275
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
56. NEW
AND
FINANCIAL
(continued)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
The
improvement
provides
editorial
correction for paragraph 27 of SFAS 25.
276
all
contingent
consideration
arrangements arising from a business
combination that not classified as equity
should be measured at fair value through
profit or loss whether or not they fall
within the scope of SFAS 55.
56. PERNYATAAN
STANDAR
AKUNTANSI
KEUANGAN BARU DAN YANG DISESUAIKAN
(lanjutan)
56. NEW
AND
FINANCIAL
(continued)
t)
REVISED
STATEMENTS
OF
ACCOUNTING
STANDARDS
(Revised
2015):
Sukuk
Pada
saat
penerbitan
laporan
keuangan
konsolidasian,
manajemen
Bank
masih
mempelajari dampak yang mungkin timbul dari
penerapan PSAK baru, beserta amandemen dan
interpretasinya tersebut, serta pengaruhnya pada
laporan keuangan konsolidasian.
57. TANGGAL
PENYELESAIAN
KEUANGAN KONSOLIDASIAN
LAPORAN
57. COMPLETION
OF
THE
FINANCIAL STATEMENTS
CONSOLIDATED
277
31 Desember/December 31
2015
2014 *)
ASET
Kas
Giro pada Bank Indonesia
Giro pada bank lain
Pihak berelasi
Pihak ketiga
ASSETS
1.960.576
2.182.836
2.316.633
Cash
10.329.997
9.850.805
9.249.766
4.571
1.644.957
61
959.963
2
547.657
1.649.528
960.024
547.659
(151)
(149)
(234)
1.649.377
959.875
547.425
13.928.893
5.583.433
6.466.565
(1.200)
(1.000)
(600)
13.927.693
5.582.433
6.465.965
451.475
58.612
479.889
Trading securities
756.693
9.671.663
602.215
11.112.879
578.505
13.207.308
Financial investment
Related parties
Third parties
10.428.356
11.715.094
13.785.813
(204.789)
(239.775)
(234.249)
10.223.567
11.475.319
13.551.564
647.828
(565)
647.263
Tagihan derivatif
Pihak berelasi
Pihak ketiga
12.237
341.104
4.710
201.286
3.673
755.013
Derivatives receivable
Related parties
Third parties
353.341
205.996
758.686
Dikurangi:
Cadangan kerugian penurunan nilai
Kredit yang diberikan dan piutang/
pembiayaan Syariah - neto
(4.047)
(517)
349.294
205.479
758.686
245.812
103.271.707
343.915
97.772.675
210.605
95.294.828
103.517.519
98.116.590
95.505.433
(1.863.921)
(1.274.464)
101.653.598
96.842.126
(969.080)
94.536.353
Appendix 1
31 Desember/December 31
2015
2014 *)
1 Januari/
January 1,
2014/
31 Desember/
December 31,
2013 *)
ASET (lanjutan)
Tagihan akseptasi
Dikurangi: Cadangan kerugian
penurunan nilai
Tagihan akseptasi - neto
Aset pajak tangguhan
Aset tetap
Dikurangi: Akumulasi penyusutan
Aset tetap - neto
Aset tidak berwujud - neto
Beban dibayar dimuka dan aset lain-lain
Pihak berelasi
Pihak ketiga
Dikurangi:
Cadangan kerugian penurunan nilai
Cadangan kerugian
Beban dibayar dimuka dan aset lain-lain - neto
JUMLAH ASET
ASSETS (continued)
2.116.213
2.813.377
(28.134)
1.635.902
(11.950)
Acceptances receivable
Less: Allowance for
impairment losses
2.116.213
2.785.243
1.623.952
238.096
461.556
440.106
2.253.071
(1.195.381)
2.100.878
(1.023.597)
1.888.526
(861.537)
1.057.690
1.077.281
1.026.989
205.146
214.469
162.938
2.819
4.165.162
3.732
3.519.308
30.242
3.189.411
4.167.981
3.523.040
3.219.653
(18.626)
(25.593)
(18.197)
(20.572)
(17.112)
(23.399)
Fixed assets
Less: Accumulated depreciation
Less:
Allowance for impairment losses
Allowance for possible losses
4.123.762
3.484.271
3.179.142
148.933.747
135.180.305
134.339.408
TOTAL ASSETS
Appendix 1
31 Desember/December 31
2015
2014 *)
1 Januari/
January 1,
2014/
31 Desember/
December 31,
2013 *)
LIABILITAS
Liabilitas segera
Simpanan nasabah
Pihak berelasi
Pihak ketiga
Liabilitas derivatif
Pihak berelasi
Pihak ketiga
Liabilitas akseptasi
Pihak berelasi
Pihak ketiga
Pinjaman diterima
Pihak berelasi
Pihak ketiga
Utang pajak
Beban yang masih harus dibayar
dan liabilitas lain-lain
Pihak berelasi
Pihak ketiga
Obligasi subordinasi
Pihak berelasi
Pihak ketiga
JUMLAH LIABILITAS
LIABILITIES
633.464
545.121
400.566
757.359
115.389.239
532.610
101.792.160
233.022
107.159.863
116.146.598
102.324.770
107.392.885
458.837
2.439.625
551.449
2.397.842
467.418
588.090
2.898.462
2.949.291
1.055.508
3.933
374.072
6.780
217.318
85.474
708.984
378.005
224.098
794.458
837
2.109.323
9.948
2.799.546
1.635.902
2.110.160
2.809.494
1.635.902
652.422
2.674.677
1.452.185
3.020.920
1.466.321
3.675.455
3.327.099
4.473.105
5.141.776
1.025.435
32.841
898.735
121.700
366.396
1.058.276
898.735
488.096
168.588
144.294
236.824
Taxes payable
49.841
3.176.709
55.049
2.704.274
50.519
2.550.858
3.226.550
2.759.323
2.601.377
1.583.393
2.903.575
1.581.986
2.902.151
307.909
2.681.525
4.486.968
4.484.137
2.989.434
134.434.170
121.612.368
122.736.826
Derivatives payable
Related parties
Third parties
Acceptances payable
Related parties
Third parties
Securities issued
Related parties
Third parties
Borrowings
Related parties
Third parties
Subordinated bonds
Related parties
Third parties
TOTAL LIABILITIES
Appendix 1
31 Desember/December 31
2015
2014 *)
1 Januari/
January 1,
2014/
31 Desember/
December 31,
2013 *)
EKUITAS
EQUITY
Modal Saham
Modal Dasar 476.608.857.231 saham per
31 Desember 2015, 31 Desember 2014,
dan 1 Januari 2014/31 Desember 2013,
terdiri dari:
Share Capital
Authorized Capital 476,608,857,231 shares
as of December 31, 2015,
December 31, 2014, and
January 1, 2014/December 31, 2013,
consisting of:
388,146,231 Series A
shares with a par value of
Rp900 (full amount)
per share;
8,891,200,000 Series B
shares with a par value of
Rp225 (full amount)
per share; and
467,329,511,000 Series D
shares with a par value
of Rp22.50 (full amount)
per share
3.665.370
3.665.370
3.512.940
4.555.587
4.555.587
3.219.051
18.060
34.541
21.071
(110.810)
(64.659)
(105.743)
Unrealized losses on
changes in fair value
of available-for-sale financial
investments - net of deferred tax
(109.821)
(193.777)
(207.866)
376.656
341.730
264.475
General reserve
6.088.054
5.242.615
4.901.665
Retained earnings
14.499.577
13.567.937
11.602.582
TOTAL EQUITY
148.933.747
135.180.305
134.339.408
Cadangan umum
Saldo laba
JUMLAH EKUITAS
JUMLAH LIABILITAS DAN EKUITAS
Appendix 1
2014 *)
OPERATING INCOME AND
EXPENSES
Interest and Sharia income and expenses
11.894.219
Interest and Sharia income
6.889.330
Interest and Sharia expense
12.222.748
6.729.490
5.493.258
5.004.889
823.830
383.053
185.978
(107.002)
14.596
105.375
642
931.615
3.732
747.252
1.956.661
1.132.410
1.947.187
1.554.307
6.625
2.518.899
1.870.344
(2.545)
2.321.028
1.690.870
6.343.055
5.563.660
(4.386.394)
(4.431.250)
1.106.864
573.639
87.002
(5.280)
1.193.866
568.359
(313.501)
(150.154)
880.365
418.205
Appendix 2
2014 *)
111.940
18.786
(27.984)
(4.697)
83.956
14.089
Items that may be reclassified
subsequently to profit or loss:
Differences arising from
the translation of foreign
currency financial statements
Mutation in respect of fair
value change of availablefor-sale financial investments
Income tax relating to
components of other
comprehensive income
3.011
(61.534)
54.779
15.383
(13.695)
(32.681)
44.095
51.275
58.184
Other comprehensive
income - net of tax
931.640
476.389
418.205
931.640
476.389
Total comprehensive
income for the year
attributable to:
Equity holders of the parent
company
13
880.365
13.470
Appendix 2
The original supplementary financial information included herein are in the Indonesian language.
Dapat diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent company
Tambahan
modal
disetor/
Additional
paid-in
capital
Modal saham/
Share capital
Saldo 31 Desember 2014 *)
Kenaikan atas selisih kurs karena
penjabaran laporan keuangan
cabang luar negeri dalam mata
uang asing
Perubahan kerugian yang belum direalisasi
atas perubahan nilai wajar investasi
keuangan yang tersedia untuk dijual
- setelah pajak tangguhan
Keuntungan aktuarial atas program manfaat
pasti - setelah pajak tangguhan
Pembentukan cadangan umum
Laba tahun berjalan
Saldo 31 Desember 2015
*)
3.665.370
Kerugian
yang belum direalisasi
atas perubahan
nilai wajar investasi
keuangan yang tersedia
untuk dijual - setelah
pajak tangguhan/
Unrealized losses
on changes
in fair value
of availablefor-sale financial
investments net of deferred tax
Selisih kurs
karena
penjabaran
laporan keuangan
dalam mata
uang asing/
Differences
arising from
the translation
of foreign
currency financial
statements
4.555.587
21.071
13.470
3.665.370
4.555.587
34.541
(64.659)
(46.151)
(110.810 )
Kerugian aktuarial
atas program
manfaat pasti setelah pajak
tangguhan/
Actuarial losses
on defined
benefit plan - net
of deferred tax
Cadangan
umum/
General
reserve
(193.777)
Saldo
laba/
Retained
earnings
341.730
Jumlah/
Total
5.242.615
13.567.937
83.956
880.365
14.499.577
13.470
(46.151)
83.956
-
34.926
-
(109.821)
376.656
(34.926)
880.365
6.088.054
Appendix 3
The original supplementary interim financial information included herein are in the Indonesian language.
Dapat diatribusikan kepada pemilik entitas induk/Attributable to equity holders of the parent company
Tambahan
modal
disetor/
Additional
paid-in
capital
Modal saham/
Share capital
Saldo 31 Desember 2013
*)
(Kerugian)/keuntungan
yang belum direalisasi
Selisih kurs
atas perubahan
karena
nilai wajar investasi
penjabaran
keuangan yang tersedia
laporan keuangan
untuk dijual - setelah
dalam mata
pajak tangguhan/
uang asing/
Unrealized (losses)/
Differences
gains on changes
arising from
in fair value
the translation
of availableof foreign
for-sale financial
currency financial
investments statements
net of deferred tax
Kerugian aktuarial
atas program
manfaat pasti setelah pajak
tangguhan/
Actuarial losses
on defined
benefit plan - net
of deferred tax
3.512.940
3.219.051
18.060
(105.743 )
3.512.940
3.219.051
18.060
152.430
1.336.536
3.011
(105.743 )
Cadangan
umum/
General
reserve
-
Saldo
laba/
Retained
earnings
264.475
4.855.376
(207.866)
46.289
(207.866)
264.475
4.901.665
11.602.582
1.488.966
3.011
41.084
41.084
14.089
-
77.255
-
3.665.370
4.555.587
21.071
(193.777)
341.730
(64.659)
Jumlah/
Total
(77.255)
418.205
5.242.615
11.764.159
(161.577 )
14.089
418.205
13.567.937
Appendix 3
2014 *)
12.963.755
12.402.043
(6.621.053)
(6.839.144)
(2.207.738)
(1.768.770)
(2.139.695)
(1.555.444)
690.907
612.908
85.885
(8.418)
3.142.986
2.472.250
13.771.001
174.626
(3.174.332)
(260.460)
9.325.226
(4.811.308)
78.364
(392.221)
(227.025)
118.416
425.009
(146.946)
(6.676.300)
(634.546)
(3.861.695)
(528.105)
88.341
144.555
1.323.004
1.613
(169.348)
2.440.893
2.676.426
4.522
(240.055)
(647.263)
508.006
Appendix 4
2014 *)
(154.797)
(1.641.200)
(1.592.950)
(1.186.456)
2.725.905
8.646.776
355.490
18.797.341
18.383.843
424.877
58.008
27.868.994
18.797.341
KENAIKAN NETO
KAS DAN SETARA KAS
919.250
410.639
1.500.000
1.497.204
(8.238)
1.960.576
2.182.836
10.329.997
1.649.528
9.850.805
960.024
13.928.893
5.505.069
298.607
SUPPLEMENTARY DISCLOSURES
Cash and cash equivalents consist of:
Cash
Current accounts with
Bank Indonesia
Current accounts with other banks
Placements with Bank Indonesia
and other banks that will
mature within 3 months
from the date of acquisition
Certificates of Bank Indonesia
that will mature within 3 months
from the date of acquisition
27.868.994
18.797.341
Appendix 4
1.
2.
1.
SUMMARY
POLICIES
OF
SIGNIFICANT
ACCOUNTING
Kebijakan
akuntansi
yang
diterapkan
dalam
penyusunan laporan keuangan tersendiri entitas induk
adalah sama dengan kebijakan akuntasi yang
diterapkan dalam penyusunan laporan keuangan
konsolidasian sebagaimana diungkapkan dalam
Catatan 2 atas laporan keuangan konsolidasian, kecuali
untuk penyertaan pada entitas anak.
2.
31 Desember/December 31
Persentase kepemilikan/
Percentage of ownership
Entitas anak
PT Maybank Indonesia Finance
(d/h PT BII Finance Center)
PT Wahana Ottomitra Multiartha Tbk
2015
2014
99,99%
68,55%
99,99%
62,00%
Subsidiaries
PT Maybank Indonesia Finance
(formerly PT BII Finance Center)
PT Wahana Ottomitra Multiartha Tbk
31 Desember/December 31
Biaya perolehan/Acquisition cost
Entitas anak
PT Maybank Indonesia Finance
(d/h PT BII Finance Center)
PT Wahana Ottomitra Multiartha Tbk
2015
2014
32.370
781.431
Appendix 5
32.370
626.634
Subsidiaries
PT Maybank Indonesia Finance
(formerly PT BII Finance Center)
PT Wahana Ottomitra Multiartha Tbk
3.
3.
Sebelum
Disesuaikan/
Before
adjustment
Penyesuaian
sehubungan
dengan
penerapan awal
PSAK 24
(Revisi 2013)/
Adjustments of first
implementation of
SFAS 24
(Revised 2013)
Setelah
disesuaikan/
As adjusted
31 Desember 2014
Aset
Aset pajak tangguhan
Liabilitas
Beban yang masih harus dibayar dan
liabilitas lain-lain
Ekuitas
Kerugian aktuarial atas program
manfaat pasti
Saldo laba
415.375
2.574.598
5.187.382
46.181
184.725
(193.777)
55.233
461.556
Assets
Deferred tax assets
2.759.323
Liabilities
Accrued expenses and other
liabilities
(193.777)
5.242.615
1 Januari 2014
Aset
Aset pajak tangguhan
Liabilitas
Beban yang masih harus dibayar dan
liabilitas lain-lain
Ekuitas
Kerugian aktuarial atas program
manfaat pasti
Saldo laba
Statements of Financial
Position - Parent company
Equity
Actuarial losses on defined
benefit plan
Retained earnings
January 1, 2014
386.247
2.385.941
4.855.376
53.859
215.436
(207.866)
46.289
Appendix 5
440.106
Assets
Deferred tax assets
2.601.377
Liabilities
Accrued expenses and other
liabilities
(207.866)
4.901.665
Equity
Actuarial losses on defined
benefit plan
Retained earnings
3.
3.
Penyesuaian
sehubungan
dengan
penerapan awal
PSAK 24
(Revisi 2013)/
Adjustments of first
implementation of
SFAS 24
(Revised 2013)
Sebelum
Disesuaikan/
Before
adjustment
Setelah
disesuaikan/
As adjusted
31 Desember 2014
Beban operasional lainnya:
Tenaga kerja
1.702.795
(11.925)
1.690.870
(147.173)
(2.981)
(150.154)
409.261
8.944
418.205
18.786
18.786
(4.697)
(4.697)
409.261
8.944
453.356
23.033
Appendix 5
418.205
476.389