terutama terdiri dari liabilitas kepada merchant kartu kredit yang belum diselesaikan dan travel cheque yang masih beredar.
Settlement liabilities for credit card transactions mainly consist of payables to credit card merchants and outstanding travel cheques.
Titipan asuransi konsumen merupakan titipan premi asuransi dari konsumen entitas anak untuk dibayarkan ke perusahaan asuransi sehubungan dengan transaksi pembiayaan konsumen.
Insurance advances from customers represent insurance premium received from subsidiaries’
customers to be paid to insurance companies in relation to consumer financing transactions.
Utang dealer merupakan utang sehubungan dengan transaksi pembelian kendaraan bermotor oleh entitas anak untuk pembiayaan konsumen.
Payables to dealers are in connection with purchases of vehicles by the subsidiaries for consumer financing.
Titipan konsumen merupakan utang 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.
Liabilitas 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 mainly consist of fixed assets purchase transactions, which are still in process and ATM Bersama transaction (including ATM Prima) which are also in the settlement process.
19. SIMPANAN NASABAH 19. DEPOSITS FROM CUSTOMERS
31 M are t/ 31 De s e m be r/
M a rch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010000 Una udi ted) Audi ted)
Pihak be re las i (Catatan 43) Rel a ted pa rti es (Note 43)
Giro 4.237 5.420 Demand deposits
Tabungan 38.910 29.037 Savings deposits
Deposito berjangka 43.171 62.740 Time deposits
86.318
97.197
Pihak k e tiga Thi rd pa rti es
Giro 17.302.644 16.152.080 Demand deposits
Tabungan 25.513.240 25.570.905 Savings deposits
Deposito berjangka 71.869.073 73.666.254 Time deposits
114.684.957
115.389.239
114.771.275
115.486.436
Informasi mengenai transaksi dengan pihak berelasi dan jatuh tempo diungkapkan pada Catatan 43 dan 53.
Information on related parties and maturities are disclosed in Notes 43 and 53.
127
a. Giro a. Demand deposits
31 M are t/ 31 De s e m be r/
M a rch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010100_01 Una udi ted) Audi ted)
4.220
5.403 Rupiah
Mata uang asing 17 17 Foreign currencies
4.237
5.420
11.082.068
10.355.879 Rupiah
Mata uang asing 6.220.576 5.796.201 Foreign currencies
17.302.644
16.152.080
17.306.881
16.157.500
Rupiah
Pihak k e tiga Thi rd pa rti es
Rupiah
Pihak be re las i Rel a ted pa rti es
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
31 Maret/ 31 Desem ber/
M arch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Rupiah 2,98% 3,02% Rupiah
Mata uang asing 0,56% 0,56% Foreign currencies
Pada 31 Maret 2016, jumlah giro Wadiah yang dikelola oleh unit Syariah Bank untuk Rupiah dan mata uang asing masing-masing sebesar Rp356.677 dan Rp37.302 (31 Desember 2015:
Rp328.422 dan Rp43.324) dan giro Mudharabah masing-masing sebesar Rp238.706 dan Rp24.207 (31 Desember 2015:
Rp52.557 dan Rp13.045).
As of March 31, 2016, total Wadiah demand deposits managed by the Bank’s Sharia unit in Rupiah and foreign currencies amounted to Rp356,677 and Rp37,302 (December 31, 2015: Rp328,422 and Rp43,324); and Rp238,706 and Rp24,207 for Mudharabah demand deposit (December 31, 2015:
Rp52,557 and Rp13.045); respectively.
Tidak ada saldo giro yang diblokir atau dijadikan jaminan kredit pada 31 Maret 2016 dan 31 Desember 2015.
There were no demand deposits which were blocked or under lien as of March 31, 2016 and December 31, 2015.
b. Tabungan b. Savings deposits
(i) Berdasarkan mata uang dan pihak berelasi (i) By currency and related party
31 M ar e t/ 31 De s e m be r /
M a r ch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010200_01 Una udi ted) Audi ted)
Rupiah 33.027 24.277 Rupiah
Mata uang asing 5.883 4.760 Foreign currencies
38.910
29.037
Rupiah 20.874.110 20.840.043 Rupiah
Mata uang asing 4.639.130 4.730.862 Foreign currencies
25.513.240
25.570.905
25.552.150
25.599.942
Pihak k e tiga Thi r d pa r ti es
Pihak be r e las i Rel a ted pa r ti es
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued) b. Tabungan (lanjutan) b. Savings deposits (continued)
(ii) Berdasarkan jenis (ii) By type
31 M ar e t/ 31 De s e m be r /
M a r ch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010200_01 Una udi ted) Audi ted)
Pendidikan 796.413 721.327 Education
Syariah 1.521.885 1.334.321 Sharia
Lain-lain 18.588.839 18.808.672 Others
20.907.137
20.864.320
Pendidikan 3.871 4.101 Education
Syariah 1.310 1.220 Sharia
Lain-lain 4.639.832 4.730.301 Others
4.645.013
4.735.622
25.552.150
25.599.942
M ata uang as ing For ei gn cur r enci es
Rupiah Rupi a h
(iii) Tingkat bunga rata-rata per tahun: (iii) Average interest rates per annum:
31 Maret/ 31 Desem ber/
M arch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Rupiah 2,70% 2,52% Rupiah
Mata uang asing 0,47% 0,47% Foreign currencies
Pada 31 Maret 2016, jumlah tabungan Mudharabah yang dikelola oleh unit Syariah Bank untuk Rupiah dan mata uang asing masing-masing sebesar Rp1.498.608 dan Rp1.311 (31 Desember 2015: Rp1.320.723 dan Rp1.220). Sedangkan tabungan Wadiah per 31 Maret 2016 dan 31 Desember 2015 adalah masing-masing sebesar Rp23.277 dan Rp13.597.
As of March 31, 2016, total Mudharabah savings deposits, managed by the Bank’s Sharia unit in Rupiah and foreign currencies amounted to Rp1,498,608 and Rp1,311 (December 31, 2015: Rp1,320,723 and Rp1,220), respectively. As of March 31, 2016 and December 31, 2015, Wadiah savings deposit amounted to Rp23,277 and Rp13,597, respectively.
c. Deposito berjangka c. Time deposits
(i) Berdasarkan mata uang dan pihak berelasi: (i) By currency and related party:
31 M ar e t/ 31 De s e m be r /
M a r ch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010200_01 Una udi ted) Audi ted)
Rupiah 40.411 57.836 Rupiah
Mata uang asing 2.760 4.904 Foreign currencies
43.171
62.740
Rupiah 53.768.975 53.376.380 Rupiah
Mata uang asing 18.100.098 20.289.874 Foreign currencies
71.869.073
73.666.254
71.912.244
73.728.994
Pihak k e tiga Thi r d pa r ti es
Pihak be r e las i Rel a ted pa r ti es
129
c. Deposito berjangka (lanjutan) c. Time deposits (lanjutan)
(ii) Berdasarkan periode deposito berjangka: (ii) Based on period of time deposits:
31 M ar e t/ 31 De s e m be r /
M a r ch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Una udi ted) Audi ted)
< = 1 bulan 14.787.866 15.783.948 <= 1 month
> 1 bulan - 3 bulan 13.510.712 12.266.525 > 1 month - 3 months
> 3 bulan - 6 bulan 19.509.250 20.127.661 > 3 months - 6 months
> 6 bulan - 12 bulan 5.965.156 5.223.660 > 6 months - 12 months
> 12 bulan 36.402 32.422 > 12 months
53.809.386
53.434.216
< = 1 bulan 5.766.467 8.610.431 <= 1 month
> 1 bulan - 3 bulan 5.736.677 4.069.881 > 1 month - 3 months
> 3 bulan - 6 bulan 4.810.302 5.452.167 > 3 months - 6 months
> 6 bulan - 12 bulan 1.663.723 1.800.552 > 6 months - 12 months
> 12 bulan 125.689 361.747 > 12 months
18.102.858
20.294.778
71.912.244
73.728.994
M ata uang as ing For ei gn cur r enci es
17010301
Rupiah Rupi a h
(iii) Berdasarkan sisa umur sampai dengan saat jatuh tempo:
(iii) Based on remaining period until maturity:
31 M ar e t/ 31 De s e m be r /
M a r ch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Una udi ted) Audi ted)
< = 1 bulan 22.264.850 21.608.931 <= 1 month
> 1 bulan - 3 bulan 16.785.582 16.625.758 > 1 month - 3 months
> 3 bulan - 6 bulan 11.011.002 12.761.371 > 3 months - 6 months
> 6 bulan - 12 bulan 3.719.185 2.426.856 > 6 months - 12 months
> 12 bulan 28.767 11.300 > 12 months
53.809.386
53.434.216
< = 1 bulan 8.519.889 10.409.559 <= 1 month
> 1 bulan - 3 bulan 5.810.999 5.196.994 > 1 month - 3 months
> 3 bulan - 6 bulan 2.596.984 3.251.631 > 3 months - 6 months
> 6 bulan - 12 bulan 1.087.928 1.118.349 > 6 months - 12 months
> 12 bulan 87.058 318.245 > 12 months
18.102.858
20.294.778
71.912.244
73.728.994
17010301
Rupiah Rupi a h
M ata uang as ing For ei gn cur r enci es
kecuali dinyatakan lain) unless otherwise stated)
19. SIMPANAN NASABAH (lanjutan) 19. DEPOSITS FROM CUSTOMERS (continued) c. Deposito berjangka (lanjutan) c. Time deposits (lanjutan)
(iv) Tingkat bunga rata-rata per tahun: (iv) Average interest rates per annum:
31 Mare t/ 31 De s e m be r/
M a rch 31, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
17010300_02 Una udi ted) Audi ted)
< = 1 bulan 6,19% 6,53% <= 1 month
> 1 bulan - 3 bulan 7,28% 7,72% > 1 month - 3 months
> 3 bulan - 6 bulan 8,20% 8,47% > 3 months - 6 months
> 6 bulan - 12 bulan 7,37% 7,47% > 6 months - 12 months
> 12 bulan 6,63% 6,72% > 12 months
< = 1 bulan 0,61% 0,75% <= 1 month
> 1 bulan - 3 bulan 0,93% 1,03% > 1 month - 3 months
> 3 bulan - 6 bulan 1,24% 1,39% > 3 months - 6 months
> 6 bulan - 12 bulan 1,53% 1,86% > 6 months - 12 months
> 12 bulan 4,07% 2,96% > 12 months
Rupiah Rupi a h
Mata uang as ing Forei gn currenci es
Saldo deposito berjangka yang diblokir atau dijadikan jaminan kredit pada 31 Maret 2016 adalah sebesar Rp7.737.930 (31 Desember 2015: Rp7.625.559).
Total time deposits which were blocked or under lien as of March 31, 2016 amounted to Rp7,737,930 (December 31, 2015:
Rp7,625,559).
Pada 31 Maret 2016, jumlah deposito Mudharabah yang dikelola oleh unit Syariah Bank dalam Rupiah dan mata uang asing adalah masing-masing sebesar Rp5.263.435 dan Rp374.194 (31 Desember 2015:
Rp4.358.711 dan Rp255.811).
As of March 31, 2016, total Mudharabah time deposits managed by the Bank’s Sharia unit in Rupiah and foreign currencies amounted to Rp5,263,435 and Rp374,194 (December 31, 2015: Rp4,358,711 and Rp255,811), respectively.