30 Se pte m be r / 31 De s e m be r / September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
3000000 Una udi ted) Audi ted)
Rupiah 1.046.596 1.263.600 Rupiah
Dolar Amerika Serikat 136.102 169.401 United States Dollar
Mata uang asing lainnya 23.298 37.207 Other foreign currencies
1.205.996
1.470.208
Pada tanggal 30 September 2017, saldo dalam mata uang Rupiah termasuk uang pada mesin ATM (Automatic Teller Machines) sejumlah Rp236.066 (31 Desember 2016: Rp205.980).
As of September 30, 2017, the Rupiah balances include cash in ATMs (Automatic Teller Machines) amounting to Rp236,066 (December 31, 2016:
Rp205,980).
Kas dalam mata uang asing lainnya terdiri dari Dolar Australia, Dolar Singapura, Euro Eropa, Rupee India, Rupee Mauritius dan Yen Jepang.
Cash in other foreign currencies are denominated in Australian Dollar, Singapore Dollar, European Euro, Indian Rupee, Mauritius Rupee and Japanese Yen.
Informasi mengenai jatuh tempo diungkapkan pada Catatan 55.
Information on maturities is disclosed in Note 55.
5. GIRO PADA BANK INDONESIA 5. CURRENT ACCOUNTS WITH BANK INDONESIA
30 Se pte m be r/ 31 De s e m be r/
September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
3000000 Una udi ted) Audi ted)
Rupiah 6.963.214 7.194.334 Rupiah
Dolar Amerika Serikat 2.106.593 2.254.331 United States Dollar
9.069.807
9.448.665
Giro wajib minimum (GWM) Bank pada tanggal 30 September 2017 untuk mata uang Rupiah terdiri dari GWM utama dan GWM sekunder masing-masing sebesar 6,61% dan 10,90% (31 Desember 2016: 7,06% dan 6,70%) dan GWM untuk Dolar Amerika Serikat sebesar 8,38% (31 Desember 2016: 8,40%).
The minimum statutory reserves of the Bank as of September 30, 2017 for Rupiah consist of Primary
Minimum Statutory Reserves and Secondary Minimum Statutory Reserves of 6.61% and 10.90% (December 31, 2016: 7.06% and 6.70%), respectively and United States Dollar Minimum Statutory Reserves of 8.38% (December 31, 2016:
8.40%).
Pada tanggal 30 September 2017 dan 31 Desember 2016, Loan to Funding ratio (LFR) bank lebih kecil dari batas atas LFR target dan Kewajiban Penyediaan Modal Minimum (KPMM) Bank lebih besar dari KPMM insentif.
On September 30, 2017 and December 31, 2016, Bank’s Loan to Funding Ratio (LFR) was lower than the upper limit of the target LFR and Capital Adequacy Ratio (CAR) of the Bank was greater than CAR incentives.
Bank telah memenuhi ketentuan BI yang berlaku tentang Giro Wajib Minimum Bank Umum.
The Bank has fulfilled BI’s regulation regarding Statutory Reserve Requirement on Commercial Bank.
Infomasi mengenai jatuh tempo diungkapkan pada Catatan 55.
Information on maturities is disclosed in Note 55.
85 a. Berdasarkan pihak berelasi, pihak lawan
dan mata uang
a. By related parties, counterparties and currency
30 Se pte m be r/ 31 De s e m be r/
September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
04000000_01 Una udi ted) Audi ted)
PT Bank Maybank Syariah PT Bank Mayb ank Syariah
Indonesia 422 - Indonesia
Pihak k e tiga
PT Bank Central Asia Tbk 205.209 110.304 PT Bank Central Asia Tb k
PT Bank Pan Indonesia Tbk 24.207 3 PT Bank Pan Indonesia Tb k
PT Bank Mandiri (Persero) Tbk 21.830 2.023 PT Bank Mandiri (Persero) Tb k
PT Bank Muamalat Indonesia Tbk 21.786 - PT Bank Muamalat Indonesia Tb k
PT Bank KEB Hana 20.176 - PT Bank KEB Hana
PT Bank Rakyat Indonesia (Persero) Tbk 8.714 7 PT Bank Rakyat Indonesia (Persero) Tb k
Lain-lain 7.270 267 Others
309.192
112.604
Sub jumlah - Rupiah 309.614 112.604 Sub total - Rupiah
Malayan Banking Malayan Banking
Berhad, Kuala Lumpur 10.907 6.208 Berhad, Kuala Lumpur
UBS AG, Sw itzerland 3.321 1.200 UBS AG, Switzerland
Malayan Banking Malayan Banking
Berhad, London - 49 Berhad, London
14.228
7.457
Chemical Bank, New York 564.120 747.242 Chemical Bank, New York
Deutsche Bank AG, New York 171.704 110.004 Deutsche Bank AG, New York
Citibank, N.A., New York 159.463 45.438 Citib ank, N.A., New York
Citibank, N.A., Jakarta 113.655 154.925 Citib ank, N.A., Jakarta
PT Bank Central Asia Tbk 69.312 36.867 PT Bank Central Asia Tb k
Development Bank of Singapore, Development Bank of Singapore,
Singapura 67.132 30.437 Singapore
Standard Chartered Bank, Standard Chartered Bank,
New York 55.171 41.505 New York
Bank of America 50.056 47.543 Bank of America
ANZ Banking Group Ltd., ANZ Banking Group Ltd.,
Melbourne 41.248 56.573 Melb ourne
PT Bank Mandiri (Persero) Tbk 36.542 - PT Bank Mandiri (Persero) Tb k
PT Bank ICBC Indonesia 31.846 6.812 PT Bank ICBC Indonesia
Wachovia Bank, Carolina Utara 21.328 217.125 Wachovia Bank, North Carolina
Barclays Bank Plc, London 14.936 12.234 Barclays Bank Plc, London
Bank of New York, New York 12.956 17.438 Bank of New York, New York
Shinkin Central Bank 12.135 33.308 Shinkin Central Bank
Commonw ealth Bank of Australia Commonwealth Bank of Australia,
Sidney 6.558 3.295 Sidney
Reserve Bank of India, Mumbai 5.891 5.917 Reserve Bank of India, Mumb ai
Bank of Montreal 4.867 - Bank of Montreal
Sumitomo Mitsui Banking Sumitomo Mitsui Banking
Corporation, Tokyo 3.062 64.919 Corporation, Tokyo
Wells Fargo Bank, N.A., San Fransisco 1.684 2.563.356 Wells Fargo Bank, N.A., San Fransisco
United Overseas Bank (UOB), United Overseas Bank (UOB),
Singapura - 3.685 Singapore
Lain-lain 4.350 4.060 Others
1.448.016
4.202.683
Sub jumlah - Mata uang asing 1.462.244 4.210.140 Sub total - Foreign currencies
Jumlah 1.771.858 4.322.744 Total
Dikurangi: Cadangan kerugian
penurunan nilai (173) (25.772) Less: Allowance for impairment losses
1.771.685
4.296.972
M ata uang as ing Forei gn currenci es
Pihak k e tiga Thi rd pa rti es
Pihak be re las i (Catatan 45) Rel a ted pa rty (Note 45)
Thi rd pa rti es
Rupiah Rupi a h
Pihak be re las i (Catatan 45) Rel a ted pa rty (Note 45)
(continued) a. Berdasarkan pihak berelasi, pihak lawan
dan mata uang (lanjutan)
a. By related parties, counterparties and currency (continued)
Giro pada bank lain dalam mata uang asing terutama terdiri dari Dolar Amerika Serikat, Dolar Australia, Dolar Kanada, Dolar Singapura, Dolar Selandia Baru, Euro Eropa, Frank Swiss, Poundsterling Inggris, Yen Jepang, Yuan China Renminbi, Rupee India, Rupee Mauritius, Ringgit Malaysia, Riyal Saudi Arabia dan Dolar Hongkong.
Current accounts with other banks in foreign currencies are mainly denominated in United States Dollar, Australian Dollar, Canadian Dollar, Singapore Dollar, New Zealand Dollar, European Euro, Swiss Franc, Great Britain Poundsterling, Japanese Yen, Chinese Yuan Renminbi, Indian Rupee, Mauritius Rupee, Malaysian Ringgit, Saudi Arabian Riyal and Hongkong Dollar.
Tidak terdapat saldo giro pada bank lain yang digunakan sebagai agunan pada tanggal 30 September 2017 dan 31 Desember 2016.
There were no current accounts with other banks which were under lien as of September 30, 2017 and December 31, 2016.
Informasi mengenai transaksi dengan pihak berelasi dan jatuh tempo masing-masing diungkapkan pada Catatan 45 dan 55.
Information on related parties and maturities are disclosed in Notes 45 and 55.
b. Berdasarkan kolektibilitas b. By collectibility
30 Septem ber/ 31 Desem ber/
September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
Klasifikasi Unaudi ted) Audi ted) Cl assi fi cati on
Lancar 1.771.702 4.322.605 Current
Macet 156 139 Loss
1.771.858
4.322.744
c. Tingkat bunga rata-rata per tahun c. The average interest rates per annum
30 Septem ber/ 31 Desem ber/
September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
Unaudi ted) Audi ted)
Rupiah 0,30% 0,51% Rupiah
Mata uang asing 0,01% 0,01% Foreign currencies
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses Perubahan cadangan kerugian penurunan nilai
sebagai berikut:
The changes in allowance for impairment losses are as follows:
30 Se pte m be r / 31 De s e m be r / September 30, December 31,
2017 2016
(Tidak Diaudit/ (Diaudit/
04000000_03 Una udi ted) Audi ted)
25.772
151 Beginning b alance
(Reversal)/provision during
periode/tahun berjalan (Catatan 39) (25.387) 25.548 the period/year (Note 39)
(212)
73 Exchange rate differences
173
25.772 Endi ng ba l a nce
Selisih akibat perbedaan kurs Saldo ak hir
Saldo aw al
(Pemulihan)/penyisihan selama
87
(continued) d. Cadangan kerugian penurunan nilai
(lanjutan)
d. Allowance for impairment losses (continued)
Untuk periode sembilan bulan yang berakhir pada tanggal 30 September 2016, penyisihan periode berjalan adalah sebesar Rp2.024 (Catatan 39).
For the nine-month period ended September 30, 2016, provision during the period amounted to Rp2,024 (Note 39).
Cadangan kerugian penurunan nilai dihitung secara individual dan kualitas aset produktif untuk perbankan syariah sesuai dengan Catatan 2o.
Allowance for impairment losses is calculated using individual assessment and earning assets quality for sharia banking in Note 2o.
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai telah memadai.
Management believes that the allowance for impairment losses is adequate.
7. PENEMPATAN PADA BANK INDONESIA DAN