Diaudit Audited *
16. LIABILITAS SEGERA (lanjutan) 16. LIABILITIES PAYABLE ON DEMAND (continued) Utang kartu kredit dan kartu debit merupakan
tagihan-tagihan dari bank-bank lain dan merchant sehubungan dengan transaksi kartu kredit dan kartu debit.
Credit cards and debit cards payable represent liabilities to other banks and merchants in connection with the transactions of credit cards and debit cards. Utang pembelian efek-efek dan obligasi pemerintah
merupakan utang yang timbul karena Bank menerapkan akuntansi tanggal perdagangan (trade date accounting).
Payables from purchasing securities and government bonds arosing because the Bank implemented trade date accounting.
Rekening kreditur dan rekening monitoring merupakan rekening perantara yang menampung transaksi pembayaran pinjaman yang belum dapat diselesaikan, baik secara internal ataupun dengan nasabah, terkait dengan transaksi joint financing, dealer financing, Kredit Pemilikan Rumah (KPR), dan lain-lain.
Creditors’ accounts and monitoring account represent an intermediary account for unsettled repayment, either internal or with customer, related to joint financing, dealer financing, mortgage, and others.
17. GIRO 17. DEMAND DEPOSITS
Akun ini terdiri dari: This account consisted of the following:
30 September 2012/30 September 2012 31 Desember 2011/31 December 2011
Valuta Asing/ Valuta Asing/
Rupiah/ Rupiah Foreign Currencies Jumlah/ Total Rupiah/ Rupiah Foreign Currencies Jumlah/ Total
Pihak ketiga 12.073.648 4.940.333 17.013.981 11.174.718 3.629.943 14.804.661 Third parties
Pihak berelasi 1.798.957 462.389 2.261.346 2.083.647 262.340 2.345.987 Related parties
Jumlah 13.872.605 5.402.722 19.275.327 13.258.365 3.892.283 17.150.648 Total
Giro yang diblokir, yang umumnya digunakan untuk jaminan atas fasilitas kredit yang diberikan oleh Bank (Catatan 11) dan transaksi lainnya dengan Bank adalah sebagai berikut:
Demand deposits blocked, which were usually used as collateral for credit facilities extended by the Bank (Note 11) and other transactions with the Bank were as follows: 30 September 2012/ 30 September 2012 31 Desember 2011/ 31 December 2011 Rupiah 902.047 681.214 Rupiah
Dolar Amerika Serikat 238.214 147.091 United States Dollar
Dolar Singapura 29.780 4.207 Singapore Dollar
Euro 11.149 10.389 Euro
Yen Jepang 4.251 2.847 Japanese Yen
Poundsterling Inggris 5.218 515 British Poundsterling
Jumlah 1.190.659 846.263 Total
Pada tanggal 30 September 2012 dan 31 Desember 2011 giro yang diblokir yang berasal dari pihak berelasi masing-masing sebesar 0,30% dan 0,13% dari jumlah giro yang diblokir.
As of 30 September 2012 and 31 December 2011 demand deposits blocked from related parties amounted to 0.30% and 0.13% of the total demand deposits blocked, respectively.
Giro wadiah dan mudharabah yang dikelola oleh unit usaha syariah masing-masing sebesar Rp644.983 dan Rp366.390, pada tanggal 30 September 2012 dan 31 Desember 2011.
Wadiah and mudharabah demand deposits managed by the Bank’s sharia business unit amounted to Rp644,983 and Rp366,390 as of 30 September 2012 and 31 December 2011, respectively.
Giro dari pihak berelasi diungkapkan pada Catatan 41. Informasi mengenai jatuh tempo giro diungkapkan sebagai bagian dari simpanan dari nasabah pada Catatan 3.d. Informasi mengenai klasifikasi dan nilai wajar giro diungkapkan pada Catatan 39.
Demand deposits from related parties were disclosed in Note 41. Information in respect of maturities of demand deposits was disclosed as part of deposits from customers in Note 3.d. Information with regards to the classification and fair value of demand deposits was disclosed in Note 39.
* Diaudit Audited *
18. TABUNGAN 18. SAVINGS
Akun ini terdiri dari: This account consisted of the following:
30 September 2012/30 September 2012 31 Desember 2011/31 December 2011
Valuta Asing/ Valuta Asing/
Rupiah/ Rupiah Foreign Currencies Jumlah/ Total Rupiah/ Rupiah Foreign Currencies Jumlah/ Total
Pihak ketiga 20.287.911 1.131.171 21.419.082 15.863.947 996.948 16.860.895 Third parties
Pihak berelasi 253.224 8.363 261.587 290.234 5.595 295.829 Related parties
Jumlah 20.541.135 1.139.534 21.680.669 16.154.181 1.002.543 17.156.724 Total
Tabungan umumnya diblokir karena adanya program untuk produk tabungan tertentu, program bundling antara kartu kredit dengan produk tabungan tertentu, sebagai jaminan pelunasan KPR dan transaksi lainnya. Tabungan yang diblokir adalah sebagai berikut:
Savings were generally blocked because of program on certain saving accounts, the bundling program between the credit card and certain saving products, as the collaterals of housing loans and other transactions. Savings blocked were as follows:
30 September 2012/
30 September 2012
31 Desember 2011/ 31 December 2011
Rupiah 829.273 181.066 Rupiah
Dolar Amerika Serikat 10.702 2.922 United States Dollar
Euro 1.239 - Euro
Dolar Singapura 52 5 Singapore Dollar
Jumlah 841.266 183.993 Total
Pada tanggal 30 September 2012 dan 31 Desember 2011, tabungan yang diblokir yang berasal dari pihak berelasi adalah masing-masing sebesar 0,01% dan 0,61% dari jumlah tabungan yang diblokir.
As of 30 September 2012 and 31 December 2011, savings blocked from related parties were 0.01% and 0.61% of the total savings blocked, respectively.
Tabungan mudharabah yang dikelola oleh unit usaha syariah masing-masing sebesar Rp2.804.492 dan Rp1.715.730, pada tanggal 30 September 2012 dan 31 Desember 2011.
Mudharabah savings managed by the Bank’s sharia business unit amounted to Rp2,804,492 and Rp1,715,730 as of 30 September 2012 and 31 Desember 2011, respectively.
Tabungan dari pihak berelasi diungkapkan pada Catatan 41. Informasi mengenai jatuh tempo tabungan diungkapkan sebagai bagian dari simpanan dari nasabah pada Catatan 3.d. Informasi mengenai klasifikasi dan nilai wajar tabungan diungkapkan pada Catatan 39.
Savings from related parties were disclosed in Note 41. Information in respect of maturities of savings was disclosed as part of deposits from customers in Note 3.d. Information with regards to the classification and fair value of savings was disclosed in Note 39.
19. DEPOSITO BERJANGKA 19. TIME DEPOSITS
Akun ini terdiri dari: This account consisted of the following:
30 September 2012/30 September 2012 31 Desember 2011/31 December 2011 Valuta Asing/ Valuta Asing/ Rupiah/ Rupiah Foreign Currencies Jumlah/ Total Rupiah/ Rupiah Foreign Currencies Jumlah/ Total
Pihak ketiga 37.449.650 9.960.596 47.410.246 38.071.563 6.381.944 44.453.507 Third parties Pihak berelasi 2.325.711 1.436.769 3.762.480 2.646.254 1.376.154 4.022.408 Related parties
* Diaudit Audited * 19. DEPOSITO BERJANGKA (lanjutan) 19. TIME DEPOSITS (continued)
Rincian deposito berjangka berdasarkan jangka waktu kontraktual penempatan adalah sebagai berikut:
The details of time deposits based on the contractual period of placement were as follows:
30 September 2012/ 30 September 2012
31 Desember 2011/ 31 December 2011
Rupiah Rupiah
Kurang dari 3 bulan 27.313.963 28.530.509 Less than 3 months
3 bulan - kurang dari 6 bulan 10.655.016 10.731.847 3 months - less than 6 months
6 bulan - kurang dari 12 bulan 1.158.843 905.734 6 months - less than 12 months
12 bulan - lebih dari 12 bulan 647.539 549.727 12 months - more than 12 months
39.775.361 40.717.817
Valuta Asing Foreign Currencies
Kurang dari 3 bulan 9.106.076 6.495.649 Less than 3 months
3 bulan - kurang dari 6 bulan 1.692.614 1.049.511 3 months - less than 6 months
6 bulan - kurang dari 12 bulan 136.637 117.528 6 months - less than 12 months
12 bulan - lebih dari 12 bulan 462.038 95.410 12 months - more than 12 months
11.397.365 7.758.098
Jumlah 51.172.726 48.475.915 Total
Pemblokiran deposito berjangka dilakukan sebagai jaminan atas fasilitas kredit yang diberikan oleh Bank, letter of credit dan bank garansi yang diterbitkan oleh Bank serta transaksi lainnya (Catatan 11 dan
40).xxxxxx
The time deposits are blocked and pledged as collaterals to the credit facilities extended by the Bank, letter of credit and bank guarantees issued by the Bank and other transactions (Notes 11 and 40).
Time deposits blocked were as follows:
Deposito berjangka yang diblokir adalah sebagai berikut:
Time deposits blocked were as follows:
30 September 2012/
30 September 2012
31 Desember 2011/ 31 December 2011
Rupiah 5.901.447 5.243.488 Rupiah
Dolar Amerika Serikat 1.289.091 796.293 United States Dollar
Dolar Singapura 91.904 35.023 Singapore Dollar
Euro 16.689 6.809 Euro
Dolar Australia 229 211 Australian Dollar
Yen Jepang 152 144 Japanese Yen
Jumlah 7.299.512 6.081.968 Total
Pada tanggal 30 September 2012 dan 31 Desember 2011, deposito berjangka yang diblokir yang berasal dari pihak berelasi masing-masing sebesar 1,43% dan 1,70% dari jumlah deposito yang diblokir.
As 30 September 2012 and 31 December 2011, time deposits blocked from related parties were 1.43% and 1.70% of the total time deposits blocked, respectively.
Deposito mudharabah yang dikelola oleh unit usaha syariah pada tanggal 30 September 2012 dan
31 Desember 2011 masing-masing sebesar
Rp2.977.013 dan Rp1.584.301.
Mudharabah deposits managed by the Bank’s shariah business unit as of 30 September 2012 and 31 December 2011 amounted to Rp2,997,013 and Rp1,584,301, respectively.
Deposito berjangka dari pihak berelasi diungkapkan pada Catatan 41. Informasi mengenai jatuh tempo deposito berjangka diungkapkan sebagai bagian dari simpanan dari nasabah pada Catatan 3.d. Informasi mengenai klasifikasi dan nilai wajar deposito berjangka diungkapkan pada Catatan 39.
Time deposits from related parties were disclosed in Note 41. Information in respect of maturities of time deposits was disclosed as part of deposits from customers in Note 3.d. Information with regards to the classification and fair value of time deposits was disclosed in Note 39.
* Diaudit Audited *
20. SIMPANAN DARI BANK-BANK LAIN 20. DEPOSITS FROM OTHER BANKS
Akun ini terdiri dari: This account consisted of the following:
30 September 2012/ 30 September 2012
31 Desember 2011/ 31 December 2011
Rupiah Rupiah
Giro Demand deposits
- Pihak ketiga 262.972 143.205 - Third parties
- Pihak berelasi 219.854 68.899 - Related parties
Deposito berjangka Time deposits
- Pihak ketiga 332.175 282.846 - Third parties
Tabungan Savings
- Pihak ketiga 107.267 92.836 - Third parties
Call money Call money
- Pihak ketiga 35.016 - - Third parties
957.284 587.786
Valuta Asing Foreign Currencies
Giro Demand deposits
- Pihak ketiga 1.309 913 - Third parties
- Pihak berelasi 71.418 67.483 - Related parties
Call money Call money
- Pihak ketiga 692.981 672.139 - Third parties
765.708 740.535
Jumlah 1.722.992 1.328.321 Total
Simpanan dari bank-bank lain yang merupakan pihak berelasi diungkapkan pada Catatan 41. Informasi mengenai jatuh tempo simpanan dari bank-bank lain diungkapkan pada Catatan 3.d. Informasi mengenai klasifikasi dan nilai wajar simpanan dari bank-bank lain diungkapkan pada Catatan 39.
Deposits from other banks, which were related parties, were disclosed in Note 41. Information in respect of maturities of deposits from other banks was disclosed in Note 3.d. Information with regards to the classification and fair value of deposits from other banks was disclosed in Note 39.
21. LIABILITAS DERIVATIF UNTUK TUJUAN