BANK LAIN
III. Penyertaan saham Investments in shares
16. LIABILITAS SEGERA (lanjutan) OBLIGATIONS DUE IMMEDIATELY (continued) 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 customers to be paid to insurance companies in relation to consumer financing transactions.
Hutang dealer merupakan hutang 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 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.
Liabilitas penyelesaian transaksi kartu kredit terutama terdiri dari liabilitas kepada merchant kartu kredit 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.
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 consist mainly of fixed assets purchase transactions, which are still in process and ATM Bersama transaction (including ATM Prima) which are also in the settlement process.
17. SIMPANAN NASABAH 17. DEPOSITS FROM CUSTOMERS
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010000 Unaudited) Audited)
Pihak berelasi (Catatan 41) Related parties (Note 41)
Giro 13.797 15.517 Demand deposits
Tabungan 26.090 20.970 Savings deposits
Deposito berjangka 20.453 25.882 Time deposits
60.340
62.369
Pihak ketiga Third parties
Giro 12.945.549 12.363.995 Demand deposits
Tabungan 16.815.380 17.604.308 Savings deposits
Deposito berjangka 50.014.540 40.292.245 Time deposits
79.775.469
70.260.548
79.835.809
70.322.917
Informasi mengenai transaksi dengan pihak berelasi dan jatuh tempo diungkapkan pada Catatan 41 dan 52.
Information on related parties and maturities are disclosed in Notes 41 and 52.
110
a. Giro a. Demand deposits
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010100_01 Unaudited) Audited)
13.794
15.487 Rupiah
Mata uang asing 3 30 Foreign currencies
13.797
15.517
7.501.676
6.276.466 Rupiah
Mata uang asing 5.443.873 6.087.529 Foreign currencies
12.945.549
12.363.995
12.959.346
12.379.512 Rupiah
Pihak ketiga Third parties
Rupiah
Pihak berelasi Related parties
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Rupiah 2,78% 3,19% Rupiah
Mata uang asing 0,56% 0,57% Foreign currencies
Pada 30 September 2012, jumlah giro Wadiah yang dikelola oleh unit Syariah Bank untuk Rupiah dan mata uang asing masing-masing sebesar Rp47.196 dan Rp4.250 (31 Desember 2011: Rp33.553 dan Rp4.725).
As of September 30, 2012, total Wadiah demand deposits managed by the Bank‟s Sharia unit in Rupiah and foreign currencies amounted to Rp47,196 and Rp4,250 (December 31, 2011: Rp33,553 and Rp4,725), respectively.
Tidak ada saldo giro yang diblokir atau dijadikan jaminan kredit pada 30 September 2012 dan 31 Desember 2011.
There were no demand deposits which were blocked or under lien as of September 30, 2012 and December 31, 2011.
b. Tabungan b. Savings deposits
(i) Berdasarkan mata uang dan pihak berelasi (i) By currency and related party
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010200_01 Unaudited) Audited)
Rupiah 21.757 17.967 Rupiah
Mata uang asing 4.333 3.003 Foreign currencies
26.090
20.970
Rupiah 12.799.713 13.618.231 Rupiah
Mata uang asing 4.015.667 3.986.077 Foreign currencies
16.815.380
17.604.308
16.841.470
17.625.278
Pihak ketiga Third parties
Pihak berelasi Related parties
kecuali dinyatakan lain) unless otherwise stated)
111
17. SIMPANAN NASABAH (lanjutan) 17. DEPOSITS FROM CUSTOMERS (continued) b. Tabungan (lanjutan) b. Savings deposits (continued)
(ii) Berdasarkan jenis (ii) By type
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010200_01 Unaudited) Audited)
Pendidikan 257.243 204.306 Education
Syariah 32.613 35.347 Sharia
Lain-lain 12.531.614 13.396.545 Others
12.821.470
13.636.198
Pendidikan 8.126 7.457 Education
Lain-lain 4.011.874 3.981.623 Others
4.020.000
3.989.080
16.841.470
17.625.278
Mata uang asing Foreign currencies
Rupiah Rupiah
(iii) Tingkat bunga rata-rata per tahun: (iii) Average interest rates per annum:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Rupiah 3,25% 3,67% Rupiah
Mata uang asing 0,51% 0,58% Foreign currencies
Pada 30 September 2012 dan 31 Desember 2011, jumlah tabungan Mudharabah yang dikelola oleh unit Syariah Bank mempunyai nilai masing-masing sebesar Rp30.381 dan Rp33.592. Sedangkan tabungan Wadiah per 30 September 2012 dan 31 Desember 2011 adalah masing-masing sebesar Rp2.347 dan Rp1.755.
As of September 30, 2012 and December 31, 2011, total Mudharabah savings deposits, managed by the Bank‟s Sharia unit amounted to Rp30,381 and Rp33,592, respectively. As of September 30, 2012 and December 31, 2011, Wadiah savings deposit amounted to Rp2,347 and Rp1,755, respectively.
c. Deposito berjangka c. Time deposits
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010200_01 Unaudited) Audited)
Rupiah 17.329 23.736 Rupiah
Mata uang asing 3.124 2.146 Foreign currencies
20.453
25.882
Rupiah 39.569.046 31.197.134 Rupiah
Mata uang asing 10.445.494 9.095.111 Foreign currencies
50.014.540
40.292.245
50.034.993
40.318.127
Pihak ketiga Third parties
Pihak berelasi Related parties
112
c. Deposito berjangka (lanjutan) c. Time deposits (continued) (i) Klasifikasi deposito berjangka
berdasarkan periode deposito berjangka:
(i) Classification of time deposits based on period of time deposits:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
1 bulan 23.407.665 20.483.294 1 month
3 bulan 11.034.804 7.110.307 3 months
6 bulan 3.513.741 2.586.371 6 months
12 bulan 1.630.165 1.040.898 12 months
39.586.375
31.220.870
1 bulan 5.034.281 6.217.426 1 month
3 bulan 2.646.737 1.803.099 3 months
6 bulan 1.743.279 779.805 6 months
12 bulan 1.024.321 296.927 12 months
10.448.618
9.097.257
50.034.993
40.318.127
Mata uang asing Foreign currencies
17010301
Rupiah Rupiah
(ii) Berdasarkan sisa umur sampai dengan saat jatuh tempo:
(ii) Based on remaining period until maturity:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
< = 1 bulan 23.702.838 22.704.301 <= 1 month
> 1 bulan - 3 bulan 11.181.639 6.564.655 > 1 month - 3 months
> 3 bulan - 6 bulan 3.558.998 1.207.266 > 3 months - 6 months
> 6 bulan - 12 bulan 913.882 695.571 > 6 months - 12 months
> 12 bulan 229.018 49.077 > 12 months
39.586.375
31.220.870
< = 1 bulan 5.538.553 6.963.389 <= 1 month
> 1 bulan - 3 bulan 2.789.224 1.333.711 > 1 month - 3 months
> 3 bulan - 6 bulan 1.360.401 556.620 > 3 months - 6 months
> 6 bulan - 12 bulan 742.201 236.000 > 6 months - 12 months
> 12 bulan 18.239 7.537 > 12 months
10.448.618
9.097.257 50.034.993
40.318.127 17010302
Rupiah Rupiah
Mata uang asing Foreign currencies
kecuali dinyatakan lain) unless otherwise stated)
113
17. SIMPANAN NASABAH (lanjutan) 17. DEPOSITS FROM CUSTOMERS (continued) c. Deposito berjangka (lanjutan) c. Time deposits (continued)
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
17010300_02 Unaudited) Audited)
1 bulan 5,59% 6,94% 1 month
3 bulan 5,87% 7,14% 3 months
6 bulan 6,08% 7,25% 6 months
12 bulan 6,43% 6,86% 12 months
1 bulan 2,20% 1,57% 1 month
3 bulan 2,90% 1,76% 3 months
6 bulan 3,11% 1,84% 6 months
12 bulan 2,85% 1,26% 12 months
Rupiah Rupiah
Mata uang asing Foreign currencies
Saldo deposito berjangka yang diblokir atau dijadikan jaminan kredit pada 30 September 2012 adalah sebesar Rp3.465.217 (31 Desember 2011:
Rp2.871.691).
Total time deposits which were blocked or under lien as of September 30, 2012 amounted to Rp3,465,217 (December 31, 2011:
Rp2,871,691).
Pada 30 September 2012, jumlah deposito Mudharabah yang dikelola oleh unit Syariah Bank dalam Rupiah dan mata uang asing adalah masing-masing sebesar Rp405.962 dan Rp6.034 (31 Desember 2011: Rp323.256 dan Rp7.200).
As of September 30, 2012, total Mudharabah time deposits managed by the Bank‟s Sharia unit in Rupiah and foreign currencies amounted to Rp405,962 and Rp6,034 (December 31, 2011: Rp323,256 and Rp7,200), respectively.