43. TRANSACTIONS WITH RELATED PARTIES (continued)
46. GUARANTEES ON THE OBLIGATIONS OF DOMESTIC BANKS
Berdasarkan Undang-Undang No. 24 tanggal 22 September 2004, efektif sejak tanggal 22 September 2005, Lembaga Penjamin Simpanan (LPS) dibentuk untuk menjamin kewajiban tertentu bank-bank umum berdasarkan program penjaminan yang berlaku. Undang-Undang tersebut telah diubah dengan Peraturan Pemerintah sebagai Pengganti Undang-Undang No. 3 tahun 2008, yang mana telah ditetapkan menjadi undang-undang sejak tanggal 13 Januari 2009 berdasarkan Undang-Undang Republik Indonesia No. 7 tahun 2009.
Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66/2008 tanggal 13 Oktober 2008 mengenai besarnya nilai simpanan yang dijamin LPS, pada tanggal 30 September 2017 dan 31 Desember 2016, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp2.000 untuk per nasabah per bank.
Pada tanggal 30 September 2017 dan 31 Desember 2016, Bank adalah peserta dari program penjaminan tersebut.
Based on Law No. 24 dated 22 September 2004, effective 22 September 2005, Indonesia Deposit Insurance Corporation (LPS) was established to provide guarantee on certain deposits from customers based on prevailing guarantee schemes. The law was changed with the Government Regulation as the Replacement of Law No. 3 Year 2008, which was stipulated as a law since 13 January 2009 based on the Republic of Indonesia Law No. 7 Year 2009.
Based on Government of Republic of Indonesia Regulation No. 66/2008 dated 13 October 2008 regarding the deposit amount guaranteed by LPS, as of 30 September 2017 and 31 December 2016, the deposit amount guaranteed by LPS for every customer in a bank was a maximum of Rp2,000.
As of 30 September 2017 and 31 December 2016, the Bank was the participant of this guarantee scheme.
47. HAL-HAL LAIN 47. OTHER MATTERS
a. Kegiatan Jasa Kustodian a. Custodial Activities
Bank memberikan jasa kustodian berdasarkan surat izin operasi No. KEP-99/PM/1991 tanggal 22 Oktober 1991 yang ditegaskan kembali berdasarkan Surat Kepala Biro Transaksi & Lembaga Efek atas nama Ketua Bapepam-LK No.S-2631/PM/2002 tanggal 17 Desember 2002 terkait dengan perubahan nama PT Bank Bali Tbk menjadi PT Bank Permata Tbk. Jasa kustodian yang diberikan Bank mencakup jasa-jasa:
The Bank provides custodial services under license No. KEP-99/PM/1991 dated 22 October 1991 which was reaffirmed by the Letter from Head of Transaction & Security Agency Bureau on behalf of the Chairman of Bapepam-LK No. S-2631/PM/2002 dated 17 December 2002 regarding the change of name from PT Bank Bali Tbk to PT Bank Permata Tbk. The custodian services provided by the Bank are as follows:
Pengelolaan dan penyelesaian transaksi jual-beli efek dengan dan tanpa warkat Penyimpanan dan administrasi efek-efek Pengurusan hak-hak klien atas kepemilikan
efek-efek
Perwakilan pada rapat umum pemegang saham
Lain-lain
Managing and settlement of securities transactions, with and without certificate Safekeeping and administering securities Managing client’s rights on the ownership
of securities
Acting as proxies in sharehoders’ meetings Others
Bank memiliki nilai portofolio dalam administrasi kustodian masing-masing sebesar Rp32.499.527 dan Rp30.481.025 pada tanggal 30 September 2017 dan 31 Desember 2016.
As of 30 September 2017 and 31 December 2016, the value of portofolio under the administration of Bank’s custody amounted to Rp32,499,527 and Rp30,481,025, respectively.
11
Financial statement captions and notes have been translated to English for convenience only
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended
30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
164
47. HAL-HAL LAIN (lanjutan) 47. OTHER MATTERS (continued)
b. Kegiatan Wali Amanat b. Trusteeship Activity
Bank memberikan jasa wali amanat berdasarkan surat izin operasi No.02/STTD-WA/PM/1996 tanggal 28 Maret 1996 yang ditegaskan kembali berdasarkan Surat Kepala Biro Pengelolaan Investasi dan Riset atas nama Ketua Bapepam-LK No.S-2418/PM/2002 tanggal 11 Nopember 2002 terkait dengan merger PT Bank Bali Tbk. Jasa wali amanat yang diberikan Bank mencakup jasa-jasa:
The Bank provides trusteeship activity based on license No.02/STTD-WA/PM/1996 dated 28 March 1996 which was reaffirmed by the Letter from Head of Investment Management and Research Bureau on behalf of the Chairman of
Bapepam-LK No.S-2418/PM/2002 dated
11 November 2002 regarding the merger of PT Bank Bali Tbk. Trusteeship activities provided by the Bank are as follows:
Penyediaan dokumentasi bersama dengan pihak terkait dalam penerbitan obligasi Menandatangani surat perjanjian dengan
penerbit obligasi
Memantau kinerja penerbit obligasi Memfasilitasi dan memimpin rapat umum
pemegang obligasi Lain-lain
Providing required documents with relevant parties in bond issuance
Signing agreement on bond issuance Monitoring the performance of bond issuers Facilitating and chairing the general meeting
of bondholders Others Jumlah nasabah yang dimiliki Bank dan nilai
obligasi yang diterbitkan pada tanggal 30 September 2017 dan 31 Desember 2016 adalah sebagai berikut:
As of 30 September 2017 and 31 December 2016, the number of customers and the value of bonds issued were as follows:
30 September 2017/
30 September 2017
31 Desem ber 2016/
31 December 2016
Jumlah nasabah 38 40 Total customers
Nilai obligasi - Rupiah Rp41.048.500 Rp45.404.000 Value of bonds - Rupiah
c. Rasio Pemenuhan Cadangan Kerugian Penurunan Nilai Aset Keuangan Bank
c. The Bank’s Ratio of Allowance for Impairment Losses
Rasio pemenuhan cadangan kerugian penurunan nilai aset keuangan Bank (persentase cadangan kerugian penurunan nilai aset keuangan yang telah dibentuk terhadap jumlah minimum cadangan kerugian penurunan nilai aset keuangan sesuai ketentuan Bank Indonesia) pada tanggal 30 September 2017 dan 31 Desember 2016 masing-masing adalah sebesar 253,53% dan 226,60%.
The Bank’s ratio of allowance for impairment losses on financial assets (percentage of allowance for impairment losses on financial assets recorded by the Bank to the minimum allowance for impairment losses on financial assets as required by Bank Indonesia) as of 30 September 2017 and 31 December 2016 were 253.53% and 226.60%, respectively.
d. Kualitas Aset Produktif d. Quality of Productive Assets
Tabel di bawah ini menunjukkan peringkat aset produktif Bank menurut peraturan Bank Indonesia yang berlaku, yang disajikan pada nilai tercatatnya sebelum cadangan kerugian penurunan nilai.
The table below presents the Bank’s productive assets based on the grading of financial assets according to Bank Indonesia’s prevailing regulations, presented at their carrying amount before allowance for impairment losses.
11
Financial statement captions and notes have been translated to English for convenience only
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended
30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
165
47. HAL-HAL LAIN (lanjutan) 47. OTHER MATTERS (continued)
d. Kualitas Aset Produktif (lanjutan) d. Quality of Productive Assets (continued)
30 September 2017/30 September 2017 Lancar/ Current Dalam perhatian khusus/ Special mention Kurang lancar/ Substandard Diragukan/ Doubtful Macet/ Loss Jumlah/ Total
Giro pada bank-
bank lain 1.574.888 - - - - 1.574.888
Current accounts with other banks
Penempatan pada Bank Indonesia dan
bank-bank lain 7.928.491 - - - - 7.928.491
Placements with Bank Indonesia and other banks
Aset keuangan untuk
diperdagangkan 1.525.889 - - - - 1.525.889
Financial assets held for trading
Efek-efek yang dibeli dengan janji dijual
kembali 5.670.762 - - - - 5.670.762
Securities purchased under resale agreements
Tagihan akseptasi 3.360.311 40.813 - - - 3.401.124 Acceptance receivables
Kredit yang diberikan 77.265.819 11.796.135 1.693.224 644.970 2.063.388 93.463.536 Loans
Efek-efek untuk tujuan
investasi 22.067.603 - - - - 22.067.603 Investment securities
Penyertaan saham 2.572.296 - - - - 2.572.296 Investment in shares
Aset lain-lain 2.205.280 156.964 - - - 2.362.244 Other assets
Komitmen dan kontinjensi 6.549.685 81.413 150 345 - 6.631.593 Commitments and contingencies 31 Desember 2016/31 December 2016 Lancar/ Current Dalam perhatian khusus/ Special mention Kurang lancar/ Substandard Diragukan/ Doubtful Macet/ Loss Jumlah/ Total
Giro pada bank-
bank lain 1.869.343 - - - - 1.869.343
Current accounts with other banks
Penempatan pada Bank Indonesia dan
bank-bank lain 8.047.102 - - - - 8.047.102
Placements with Bank Indonesia and other banks
Aset keuangan untuk
diperdagangkan 1.879.548 - - - - 1.879.548
Financial assets held for trading
Efek-efek yang dibeli dengan janji dijual
kembali 3.227.881 - - - - 3.227.881
Securities purchased under resale agreements
Tagihan akseptasi 3.974.853 1.665 6.205 - - 3.982.723 Acceptance receivables
Kredit yang diberikan 84.782.316 11.639.861 4.159.619 2.755.857 2.696.127 106.033.780 Loans
Efek-efek untuk tujuan
investasi 27.402.258 - - - - 27.402.258 Investment securities
Penyertaan saham 2.661.539 - - - - 2.661.539 Investment in shares
Aset lain-lain 1.627.816 11.475 5.792 - - 1.645.083 Other assets
Komitmen dan
kontinjensi 5.471.888 1.934.773 - 3.403 - 7.410.064
Commitments and contingencies
48. PERJANJIAN SIGNIFIKAN 48. SIGNIFICANT AGREEMENTS
a. Pada tanggal 26 Juli 2005, PT Astra International Tbk dan Bank telah menandatangani perjanjian kerjasama yang disebut Business Cooperation Agreement (BCA). Perjanjian tersebut pada intinya mengatur bahwa antara PT Astra International Tbk dan Bank akan diadakan sinergi bisnis yang saling menguntungkan kedua belah pihak, serta transaksi-transaksi kerjasama tersebut dilakukan secara wajar dalam kegiatan-kegiatan usaha perbankan pada umumnya.
a. On 26 July 2005, PT Astra International Tbk and the Bank signed Business Cooperation Agreement (BCA). The Agreement mainly stated that there will be business synergy between PT Astra International Tbk and the Bank which will mutually be beneficial to both parties, and the transactions will be conducted at arm’s length basis.
b. Pada tanggal 14 April 2010, Bank menandatangani perjanjian sewa menyewa dengan pihak berelasi, dimana Bank akan menyewa gedung World Trade Center II di Jalan Jenderal Sudirman, Jakarta sebagai Kantor Pusat Bank selama jangka waktu 10 tahun terhitung sejak tanggal 1 Pebruari 2013 (Catatan 43).
b. On 14 April 2010, the Bank signed a lease agreement with a related party wherein the Bank will lease World Trade Center II building located at Jalan Jenderal Sudirman Jakarta as the Bank’s Head Office for a period of 10 years and lease commencement date on 1 February 2013 (Note 43).
11
Financial statement captions and notes have been translated to English for convenience only
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended
30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
166
48. PERJANJIAN SIGNIFIKAN (lanjutan) 48. SIGNIFICANT AGREEMENTS (continued)
c. Pada tanggal 16 April 2010, Standard Chartered Bank dan Bank menandatangani Perjanjian Dukungan Manajemen (Management Support Agreement/MSA) yang kemudian diubah dan dinyatakan kembali dengan perjanjian yang ditandatangani pada tanggal 10 September 2013. MSA tersebut pada intinya mengatur bahwa Bank memiliki hak untuk meminta transfer best practice, pengetahuan, dan keahlian di setiap area dimana dukungan tersebut diperlukan dalam rangka meningkatkan, mengembangkan serta memperluas bisnis dan operasional Bank.
c. On 16 April 2010, Standard Chartered Bank and the Bank entered into a Management Support Agreement (MSA), which was amended and restated with the agreement signed on 10 September 2013. The MSA mainly stated that the Bank has the rights to request a transfer of best practices, knowledge and expertise in any areas where support is required in order to improve, develop and expand banking business and operations.
49. MASALAH HUKUM 49. LEGAL MATTERS
a. Pada tanggal 24 September 2007, Bank melakukan upaya hukum eksekusi Hak Tanggungan terhadap PT Mandira Prima Perkasa (MPP) dikarenakan MPP telah lalai dalam membayar utangnya berdasarkan perjanjian restrukturisasi utang dengan Bank. Di sisi lain, pada tanggal 23 Nopember 2007, MPP mengajukan upaya hukum bantahan ke pengadilan negeri dengan materi tuntutan bahwa Bank harus mengembalikan kelebihan pembayaran sebesar Rp3.245 dan USD3.748.571,85.
a. On 24 September 2007, the Bank submitted the legal action to execute the mortgage of PT Mandira Prima Perkasa (MPP) due to the failure of MPP to settle the debt based on the restructuring agreement with the Bank. The other side, on 23 November 2007, MPP submitted the objection to distric court with demand that the Bank shall return the excess repayment of Rp3,245 and USD3,748,571.85.
Keputusan terakhir atas sengketa antara Bank dan MPP adalah berdasarkan Salinan Putusan PK dari Mahkamah Agung RI yang diterima oleh Bank pada tanggal 31 Januari 2013, dimana perkara PK tersebut sudah diputus pada tanggal 2 Pebruari 2012 dengan inti keputusan mengabulkan permohonan Bank (Bank menang).
The latest decision relatad to the legal case between Bank and MPP was based on Copy of Judicial Review Decision from the Supreme Court of the Republic of Indonesia that was received by the Bank on 31 January 2013, where the case has been decided on 2 February 2012 with the decision that approved the Bank appeal (the Bank won).
Berdasarkan akta perjanjian perdamaian antara MPP dan Bank tanggal 1 September 2016, kedua belah pihak setuju untuk menyelesaikan sengketa ini melalui langkah-langkah sebagai berikut:
Based on deed of peace agreement between MPP and Bank dated 1 September 2016, both parties agreed to resolved this dispute through the following actions:
(i) MPP akan melakukan pelunasan atas utangnya dengan menyetorkan uang sebesar Rp17.000 paling lambat 30 September 2016.
(i) MPP will transfer Rp17,000 as the payment for the debt at the latest on 30 September 2016.
(ii) Setelah Bank menerima pelunasan, maka Bank akan mencabut permohonan eksekusi jaminan dan debitur akan mencabut semua perkara gugatan/bantahan yang diajukannya.
(ii) After the Bank receives the payment, the Bank will revoke the execution of collateral and MPP will revoke all the lawsuits/objection which is currently underway.
Melalui surat yang dikirimkan pada tanggal 30 September 2016, MPP meminta perpanjangan batas waktu pelunasan. Berhubung MPP tetap tidak dapat merealisasikan perjanjian perdamaian meskipun Bank telah beberapa kali memberikan perpanjangan waktu pelunasan, maka Jaminan MPP yang telah dibeli oleh Bank melalui lelang dijual kepada pihak lain sebesar Rp. 20.000 pada tanggal 22 Juni 2017.
Through the letter dated 30 September 2016, MPP requested to extend the deadline for the payment. Since MPP remains unable to realize the peace agreement even though the Bank has several times extended the repayment period, the MPP Collateral that has been purchased by the Bank through auction is sold to another party of Rp20,000 on 22 June 2017.
11
Financial statement captions and notes have been translated to English for convenience only
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended
30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
167
49. MASALAH HUKUM (lanjutan) 49. LEGAL MATTERS (continued)
b. Terkait dengan perkara perdata yang dijelaskan di Catatan 17 (Tagihan lain-lain), pada tanggal 24 September 1999, melalui gugatan yang diregister dalam perkara No. 448/Pdt.G/1999/PN.Jak.Sel, PT Era Giat Prima (EGP) mengajukan gugatan terhadap Bank sehubungan dengan perjanjian pengalihan/cessie atas tagihan dari Bank kepada EGP. Gugatan ini timbul karena Bank dianggap telah melakukan wanprestasi. Oleh karena itu, EGP mengajukan sita terhadap tanah dan bangunan milik Bank yang dikenal sebagai Bank Bali Tower dan Bintaro serta ganti kerugian sebesar Rp2.536.000 dan meminta agar dinyatakan sebagai pemilik dana hasil pencairan piutang tersebut yang diletakkan dalam escrow account. Selain mengajukan jawaban atas gugatan EGP tersebut, Bank juga mengajukan gugatan balik (rekonpensi) kepada EGP dengan menuntut agar dana yang berada dalam escrow account tersebut adalah milik Bank.
b. In relation to the civil cases described in Note 17 (Other Receivables), on September 24, 1999, through the lawsuit registered in the case No. 448/Pdt.G/1999/PN.Jak.Sel, PT Era Giat Prima (EGP) filed a lawsuit against the Bank in relation to the transfer/cessie agreement from the Bank to EGP. The Bank was deemed to have breached its agreement with EGP. Because of this, EGP claimed for the confiscation of the Bank’s land and buildings known as Bank Bali Tower and Bintaro as well as compensation for immaterial losses amounting to Rp2,536,000. EGP also demanded to be stated as the owner of the funds from the settlement of the above claims, which was deposited in the escrow account. In addition to submitting the answer on EGP’s claims, the Bank also submitted a counter lawsuit (reconvention) to EGP with a claim that the funds in the escrow account belong to the Bank.
Dalam perkara perdata antara Bank dan EGP, Mahkamah Agung pada tanggal 8 Maret 2004 dan 29 Mei 2007 (peninjauan kembali) memutuskan bahwa dana pada rekening escrow sebesar Rp 546.466 adalah milik Bank.
On civil case between the Bank and EGP, the Supreme Court, on 8 March 2004 and 29 May 2007 (judicial review) decided that the fund in the Bank’s escrow account amounting to Rp546,466 belongs to the Bank.
Terhadap perkara lain yang terkait dengan perjanjian cessie antara Bank dengan EGP, EGP telah menggugat surat keputusan BPPN yang membatalkan perjanjian cessie (SK No. 423/BPPN/1099 tanggal 15 Oktober 1999) di Pengadilan Tata Usaha Negara yang terdaftar di bawah No. 148/G.TUN/1999/PTUN-JKT. Untuk perkara No. 148, pada tingkat kasasi, Mahkamah Agung dengan putusan perkara No. 447.K/TUN/2000 tanggal 4 Maret 2002 telah mengabulkan permohonan kasasi BPPN dan menyatakan gugatan EGP tidak dapat diterima. Terhadap putusan tersebut, EGP telah mengajukan peninjauan kembali kepada Mahkamah Agung dan berdasarkan Putusan No. 21 PK/TUN/2003 tanggal 6 Oktober 2004, Mahkamah Agung RI telah menolak permohonan peninjauan kembali tersebut.
In other legal cases related to the cessie agreement between the Bank and EGP, EGP filed a lawsuit against IBRA’s decision letter to cancel the cessie agreement (SK No. 423/ BPPN/1099 dated 15 October 1999) at the State
Administrative Court
which was registered under No. 148/G.TUN/199 9/ PTUN-JKT. For case No. 148, at the
cassation level,
the Supreme Court through the deci sionNo. 447.K/TUN/2000 dated 4 March 2002 had accepted IBRA’s appeal and stated that EGP’s claim could not be accepted. For such decision, EGP requested a judicial review of the Supreme Court’s decision and based on Judicial Review Ruling No. 21 PK/TUN/2003 dated 6 October 2004, the Supreme Court rejected the request for judicial review.
Manajemen Perseroan berpendapat bahwa penyelesaian akhir dari seluruh masalah hukum tersebut tidak akan membawa dampak buruk secara signifikan terhadap hasil usaha dan posisi keuangan Perseroan.
The Company believes that the final outcome of these legal matters will not have a significant adverse effect to the results of the financial performance and financial position of the Company.
Selain masalah hukum tersebut di atas, Perseroan masih memiliki beberapa masalah hukum yang masih dalam proses di pengadilan yang menurut Perseroan tidak akan membawa dampak buruk yang material terhadap operasi, hasil usaha, dan posisi keuangan Perseroan.
In addition to the above mentioned legal matters, the Company still has several outstanding legal matters which are still in process in court. The Company is of the view that those matters will not have a material adverse effect on the results of the operations, financial performance, and financial position of the Company.
11
Financial statement captions and notes have been translated to English for convenience only
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended
30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
168
50. UNIT USAHA SYARIAH 50. SHARIA BUSINESS UNIT
Informasi keuangan unit usaha syariah Bank pada tanggal dan periode sembilan bulan berakhir 30 September 2017 dan 2016 dan tahun berakhir 31 Desember 2016 adalah sebagai berikut:
Financial information of the Bank’s sharia business unit as of and for the nine-month periods ended 30 September 2017 and 2016 and for the year ended 31 December 2016 were as follows:
30 September 2017/ 30 September 2017 30 September 2016/ 30 September 2016 31 Desember 2016/ 31 December 2016
Posisi Keuangan: Financial Position:
Jumlah Aset 19.578.339 15.348.856 15.837.412) Total Assets
Jumlah Liabilitas 19.335.417 15.292.039 16.171.190) Total Liabilities
Laporan Laba Rugi dan Penghasilan
Kom prehensif Lain:
Statements of Profit or Loss and Other Comprehensive Income: Jumlah Hasil 1.287.023 1.001.533 1.256.429) Total Income
Jumlah Beban (1.073.087) (970.750) (1.601.383) Total Expenses Laba (rugi) Bersih 213.936 30.783 (344.954) Net profit (loss)
Penghasilan Komprehensif Lain 28.986 26.034 11.176) Other Comprehensive Income
Laba Komprehensif 242.922 56.817 (333.778) Comprehensive Income
Rasio pembiayaan bermasalah secara bruto terhadap jumlah pembiayaan yang diberikan oleh unit usaha syariah masing-masing sebesar 1,56% dan 5,99%, pada tanggal 30 September 2017 dan 31 Desember 2016. Secara neto, rasio pembiayaan bermasalah pada tanggal 30 September 2017 dan 31 Desember 2016 masing-masing adalah sebesar 1,29% dan 2,04%.
The ratio of gross non-performing financing to total financing by sharia business unit was 1.56% and 5.99% as of 30 September 2017 and 31 December 2016, respectively. Ratio of non-performing financing