KONSOLIDASIAN FINANCIAL STATEMENTS
III. Penyertaan saham Investment in shares
17. KEWAJIBAN SEGERA (lanjutan) OBLIGATIONS DUE IMMEDIATELY (continued)
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Rupiah (lanjutan) Rupiah (continued)
Titipan konsumen 45.482 32.061 Consumers' advances
Transfers and cheques for
Transfer, inkaso dan kliring 28.989 21.940 collection and clearing Deposito yang telah jatuh tempo 17.540 7.661 Unclaimed matured deposits
485.829 337.304
Mata uang asing Foreign currencies
Kewajiban perbankan lainnya 357.089 290.291 Other banking liabilities
Transfers and cheques for
Transfer, inkaso dan kliring 29.306 43.470 collection and clearing
Kewajiban penyelesaian Settlement liabilities for
transaksi kartu kredit 380 426 credit card transactions Deposito yang telah jatuh tempo 142 4 Unclaimed matured deposits
386.917 334.191
872.746 671.495
Informasi mengenai jatuh tempo diungkapkan pada Catatan 56.
Information on maturities is disclosed in Note 56.
Kewajiban perbankan lainnya terutama terdiri dari transaksi pembelian aset tetap yang masih dalam proses dan transaksi ATM Bersama (termasuk ATM Prima) yang masih dalam proses penyelesaian.
Other banking liabilities consist mainly of fixed assets purchase transactions, which are still in process and “ATM Bersama” (including ATM Prima) which are also in the settlement process.
Hutang dealer merupakan hutang sehubungan dengan transaksi pembelian kendaraan bermotor oleh anak perusahaan untuk pembiayaan konsumen.
Payables to dealers are in connections with purchases of vehicles by the subsidiaries for consumer financing.
Titipan asuransi konsumen merupakan titipan premi asuransi dari konsumen anak perusahaan untuk dibayarkan ke perusahaan asuransi sehubungan dengan transaksi pembiayaan konsumen.
Insurance advances from customers represent insurance premium received from customers to be paid to insurance companies in relation to consumer financing transactions.
Kewajiban penyelesaian transaksi kartu kredit terutama terdiri dari kewajiban kepada merchant kartu kredit lainnya yang belum diselesaikan dan travel cheque yang masih beredar.
Settlement liabilities for credit card transactions consist mainly of payables to credit card merchants and outstanding travel cheques.
Titipan konsumen merupakan hutang yang timbul sehubungan dengan penerimaan angsuran dari konsumen dan penerimaan penjualan agunan yang diambil alih yang belum diselesaikan.
Consumers’ advances represent payables in connection with the installment payment from customers and cash received from sales of foreclosed motor vehicles to dealers that have not been settled.
2010 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait (Catatan 44) Related parties (Note 44)
Giro 10.082 1.218 Demand deposits
Tabungan 14.874 10.045 Savings deposits
Deposito berjangka 25.148 36.180 Time deposits
50.104 47.443
Pihak ketiga Third parties
Giro 9.043.160 7.999.929 Demand deposits
Tabungan 12.391.278 10.834.217 Savings deposits
Deposito berjangka 30.729.490 23.509.112 Time deposits
52.163.928 42.343.258
52.214.032 42.390.701
Informasi mengenai transaksi dengan pihak terkait dan jatuh tempo diungkapkan pada Catatan 44 dan 56.
Information on related parties and maturities are disclosed in Notes 44 and 56.
a. Giro a. Demand deposits
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait Related parties
Rupiah 10.066 1.218 Rupiah
Mata uang asing 16 - Foreign currencies
10.082 1.218
Pihak ketiga Third parties
Rupiah 5.074.764 4.073.929 Rupiah
Mata uang asing 3.968.396 3.926.000 Foreign currencies
9.043.160 7.999.929
9.053.242 8.001.147
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
30 Juni 2010/ 30 Juni 2009/
June 30, 2010 June 30, 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited) (6 bulan/ (6 bulan/
months) months)
Rupiah 3,04% 2,86% Rupiah
Mata uang asing 0,52% 0,52% Foreign currencies
Pada 30 Juni 2010, jumlah giro Wadiah yang dikelola oleh unit Syariah Bank untuk Rupiah
As of June 30, 2010, total Wadiah demand deposits managed by the Bank’s Sharia unit in
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued) a. Giro (lanjutan) a. Demand deposits (continued)
Tidak ada saldo giro yang diblokir atau dijadikan jaminan kredit pada 30 Juni 2010 dan 2009.
There were no demand deposits which were blocked or under lien as of June 30, 2010 and 2009.
b. Tabungan b. Savings deposits
(i) Berdasarkan mata uang dan pihak terkait (i) By currency and related party
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait Related parties
Rupiah 12.139 7.117 Rupiah
Mata uang asing 2.735 2.928 Foreign currencies
14.874 10.045
Pihak ketiga Third parties
Rupiah 8.191.998 6.815.541 Rupiah
Mata uang asing 4.199.280 4.018.676 Foreign currencies
12.391.278 10.834.217
12.406.152 10.844.262
(ii) Berdasarkan jenis (ii) By type
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Rupiah Rupiah
Pendidikan 168.469 170.241 Education
Syariah 23.005 18.279 Sharia
Lain-lain 8.012.663 6.634.138 Others
8.204.137 6.822.658
Mata uang asing Foreign currencies
Pendidikan 7.945 8.620 Education
Lain-lain 4.194.070 4.012.984 Others
4.202.015 4.021.604
12.406.152 10.844.262
(iii) Tingkat bunga rata-rata per tahun: (iii) Average interest rates per annum:
30 Juni 2010/ 30 Juni 2009/
June 30, 2010 June 30, 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited) (6 bulan/ (6 bulan/
months) months)
Rupiah 3,05% 3,46% Rupiah
Mata uang asing 0,70% 0,70% Foreign currencies Pada 30 Juni 2010 dan 2009, jumlah tabungan
Mudharabah yang dikelola oleh unit Syariah Bank mempunyai nilai masing-masing sebesar
As of June 30, 2010 and 2009, total Mudharabah savings deposits, managed by the Bank’s Sharia unit amounted to
c. Deposito berjangka c. Time deposits
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait Related parties
Rupiah 22.971 34.885 Rupiah
Mata uang asing 2.177 1.295 Foreign currencies
25.148 36.180
Pihak ketiga Third parties
Rupiah 23.497.710 19.609.146 Rupiah
Mata uang asing 7.231.780 3.899.966 Foreign currencies
30.729.490 23.509.112
30.754.638 23.545.292
(i) Klasifikasi deposito berjangka berdasarkan periode deposito berjangka:
(i) Classification of time deposits based on period of time deposits:
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Rupiah Rupiah
1 bulan 18.017.268 16.225.835 1 month
3 bulan 4.340.113 2.493.534 3 months
6 bulan 697.336 527.246 6 months
12 bulan 465.964 397.416 12 months
23.520.681 19.644.031
Mata uang asing Foreign currencies
1 bulan 5.414.591 3.475.488 1 month
3 bulan 1.155.826 218.393 3 months
6 bulan 519.586 105.429 6 months
12 bulan 143.954 101.951 12 months
7.233.957 3.901.261
30.754.638 23.545.292
(ii) Berdasarkan sisa umur sampai dengan saat jatuh tempo:
(ii) Based on remaining period until maturity:
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Rupiah Rupiah
< = 1 bulan 18.017.533 16.215.742 <= 1 month
> 1 bulan - 3 bulan 4.499.062 2.801.019 > 1 month - 3 months
> 3 bulan - 6 bulan 716.168 395.593 > 3 months - 6 months
> 6 bulan - 12 bulan 241.556 215.026 > 6 months - 12 months
> 12 bulan 46.362 16.651 > 12 months
18. SIMPANAN NASABAH (lanjutan) 18. DEPOSITS FROM CUSTOMERS (continued) c. Deposito berjangka (lanjutan) c. Time deposits (continued)
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Mata uang asing Foreign currencies
< = 1 bulan 5.661.669 3.424.516 <= 1 month
> 1 bulan - 3 bulan 989.726 358.653 > 1 month - 3 months
> 3 bulan - 6 bulan 520.423 80.940 > 3 months - 6 months
> 6 bulan - 12 bulan 57.569 36.782 > 6 months - 12 months
> 12 bulan 4.570 370 > 12 months
7.233.957 3.901.261
30.754.638 23.545.292
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
30 Juni 2010/ 30 Juni 2009/
June 30, 2010 June 30, 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited) (6 bulan/ (6 bulan/
months) months)
Rupiah Rupiah
1 bulan 6,84% 10,42% 1 month
3 bulan 7,03% 10,95% 3 months
6 bulan 7,22% 9,86% 6 months
12 bulan 7,47% 9,89% 12 months
Mata uang asing Foreign currencies
1 bulan 1,98% 3,15% 1 month
3 bulan 2,16% 2,70% 3 months
6 bulan 1,80% 1,91% 6 months
12 bulan 2,15% 3,08% 12 months
Saldo deposito berjangka yang diblokir atau dijadikan jaminan kredit pada 30 Juni 2010 adalah sebesar Rp1.873.211 (2009: Rp1.230.706).
Total time deposits which were blocked or under lien as of June 30, 2010 amounted to Rp1,873,211 (2009: Rp1,230,706).
Pada 30 Juni 2010, jumlah deposito Mudharabah yang dikelola oleh unit Syariah Bank dalam Rupiah dan mata uang asing adalah masing-masing sebesar Rp301.331 dan Rp3.749 (2009: Rp279.593 dan Rp3.266).
As of June 30, 2010, total Mudharabah time deposits managed by the Bank’s Sharia unit in Rupiah and foreign currencies amounted to Rp301,331 and Rp3,749 (2009: Rp279,593 and Rp3,266), respectively.
2010 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait (Catatan 44) Related parties (Note 44)
Giro 18.043 3.491 Demand deposits
Call money 20.000 - Call money
38.043 3.491
Pihak ketiga Third parties
Giro 155.790 116.247 Demand deposits
Tabungan 61.861 45.909 Savings deposits
Deposito berjangka 212.873 81.957 Time deposits
Call money 1.259.105 270.000 Call money
1.689.629 514.113
1.727.672 517.604
Informasi mengenai transaksi dengan pihak terkait dan jatuh tempo diungkapkan pada Catatan 44 dan 56.
Information on related parties and maturities are disclosed in Notes 44 and 56.
a. Giro dari bank lain terdiri dari: a. Demand deposits from other banks consist of:
2010 2009
(Tidak diaudit/ (Audit/
Unaudited) Audited)
Pihak terkait Related parties
Rupiah 18.043 3.491 Rupiah
Pihak ketiga Third parties
Rupiah 116.970 64.629 Rupiah
Mata uang asing 38.820 51.618 Foreign currencies
155.790 116.247
173.833 119.738
Pada tanggal 30 Juni 2010 dan 2009, jumlah giro Wadiah yang dikelola oleh unit Syariah Bank mempunyai nilai masing-masing sebesar Rp1.195 dan Rp209.
As of June 30, 2010 and 2009, total Wadiah demand deposits managed by the Bank’s Sharia unit amounted to Rp1,195 and Rp209, respectively.
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
30 Juni 2010/ 30 Juni 2009/
June 30, 2010 June 30, 2009 (Tidak diaudit/ (Audit/
Unaudited) Audited) (6 bulan/ (6 bulan/
months) months)
Rupiah 2,86% 2,36% Rupiah