Obligasi V WOM tahun 2011 (lanjutan) Bonds V WOM year 2011 (continued) Obligasi V WOM ini dijamin secara fidusia
35. (PEMULIHAN)/PENYISIHAN KERUGIAN ATAS ASET NON PRODUKTIF
-Pendapatan transfer 8.583 8.285 Transfer fees
5.891
4.985 2.048
2.517 1.721
131
Pendapatan klaim asuransi 1.108 3.085 Insurance claim income
977
807 19.440
16.018 360.980
376.017
Administrasi kredit yang diberikan Loan administration
Lain-lain Others
Komisi Western Union Western Union commissions
Komisi reksadana Mutual funds commissions and fees
Administrasi impor dan ekspor Import and export administration
Administrasi kartu kredit Credit card administration
Administrasi ritel Retail administration
Administrasi piutang pembiayaan Consumer financing receivables
Investasi Bank Investment Banking
Jasa bank Banking services
Lain-lain termasuk pendapatan peragenan dan pendapatan jasa perbankan lainnya.
Others included revenues from agency fees and other income from banking operations.
34. PENYISIHAN KERUGIAN PENURUNAN NILAI ATAS INSTRUMEN KEUANGAN - BERSIH
34. ALLOWANCE FOR IMPAIRMENT LOSSES ON FINANCIAL INSTRUMENTS - NET
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011 (Tidak Diaudit/ (Tidak Diaudit/
Unaudited) Unaudited)
Giro pada bank lain Current accounts with other banks
(Catatan 5) - 9 (Note 5)
Penempatan pada bank lain Placements with other banks
(Catatan 6) 100 200 (Note 6)
Investasi keuangan (Catatan 8) 24.278 4.633 Financial investments (Note 8)
Kredit yang diberikan (Catatan 10) 152.013 286.062 Loans (Note 10)
Piutang pembiayaan Consumer financing
konsumen (Catatan 11) 53.042 35.628 receivables (Note 11)
Tagihan akseptasi (Catatan 12a) 1.638 115 Acceptances receivable (Note 12a)
Tagihan lainnya (catatan 15) 513 (16) Other receivables (Notes 15)
231.584
326.631 34000000
35. (PEMULIHAN)/PENYISIHAN KERUGIAN ATAS ASET NON PRODUKTIF
35. (REVERSAL)/PROVISION FOR POSSIBLE LOSSES ON NON- EARNING ASSETS
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011
(Tidak Diaudit/ (Tidak Diaudit/
35000000 Unaudited) Unaudited)
Agunan yang diambil alih (Catatan 15) (11.456) 8.231 Foreclosed assets (Note 15) Properti terbengkalai (Catatan 15) - 15.178 Abandoned properties (Note 15)
(11.456)
23.409
36. BEBAN UMUM DAN ADMINISTRASI 36. GENERAL AND ADMINISTRATIVE EXPENSES
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011
(Tidak Diaudit/ (Tidak Diaudit/
35000000 Unaudited) Unaudited)
Umum 259.751 228.824 General
Penyusutan dan amortisasi 55.279 44.880 Depreciation and amortization
Sewa 55.114 50.044 Rental
Promosi 50.042 68.104 Promotions
Perbaikan dan pemeliharaan Repairs and maintenance
aset tetap 28.282 23.045 fixed assets
Pendidikan dan pengembangan 22.438 12.080 Research and development
Listrik dan air 18.577 16.512 Electricity and water
Beban profesional 18.373 11.314 Professional fees
Komunikasi perbankan 17.333 16.075 Banking communications
Transportasi dan rumah tangga 14.618 13.508 Transportation and housing
Telepon, telex dan kawat 14.400 14.823 Telephone, telex and wires
Cetakan dan alat tulis 10.752 9.172 Printing and stationery
564.959
508.381
37. KERUGIAN PENJUALAN EFEK-EFEK YANG DIPERDAGANGKAN DAN INVESTASI KEUANGAN - BERSIH
37. LOSSES ON SALE OF TRADING SECURITIES AND FINANCIAL INVESTMENTS- NET
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011 (Tidak Diaudit/ (Tidak Diaudit/
35000000 Unaudited) Unaudited)
Efek-efek 4.841 28.618 Marketable securities
Obligasi rekapitalisasi pemerintah (165) (2.497) Government recapitalization bonds 4.676
26.121
38. BEBAN TENAGA KERJA 38. PERSONNEL EXPENSES
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011 (Tidak Diaudit/ (Tidak Diaudit/
35000000 Unaudited) Unaudited)
Gaji, upah, tunjangan pensiun Salaries, wages, pension and
dan pajak 260.565 210.986 tax allowance
Bonus 147.673 80.786 Bonuses
Tunjangan lainnya 82.130 64.594 Other allowances
Lain-lain 93.242 55.907 Others
583.610
412.273
Remunerasi 31 Maret 2012 dan 2011 adalah sebagai berikut:
Remuneration packages as March 31, 2012 and 2011 were as follows:
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011
(Tidak Diaudit/ (Tidak Diaudit/
Unaudited) Unaudited)
Dewan Komisaris 2.388 1.966 The Board of Commissioners
Direksi 5.633 7.568 The Board of Directors
Komite Audit 136 136 Audit Committee
Pejabat Eksekutif 11.041 11.599 Executive Officers
Dewan Pengawas Syariah 33 98 Sharia Supervisory Board
19.231
21.367
39. PENDAPATAN/(BEBAN) NON-OPERASIONAL - BERSIH
39. NON-OPERATING INCOME/(INCOME) - NET
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011
(Tidak Diaudit/ (Tidak Diaudit/
35000000 Unaudited) Unaudited)
Laba dari penjualan aset tetap 252 168 Gains on sale of fixed assets
Pendapatan insentif Master Card 134 - Income from Master Card incentive
Beban kegiatan karyawan (61) (308) Employee activities expenses
Denda dan sumbangan (1.048) (1.651) Penalties and donations
Lain-lain - bersih 1.997 (1.000) Others - net
1.274
(2.791)
40. LABA PER SAHAM DASAR 40. BASIC EARNINGS PER SHARE Laba bersih per saham dasar dihitung dengan
membagi laba bersih yang tersedia bagi pemegang saham dengan rata-rata tertimbang jumlah saham biasa yang beredar pada tahun bersangkutan.
Basic earnings per share is calculated by dividing the net income attributable to shareholders by the weighted average number of ordinary shares outstanding during the year.
31 Maret/ 31 Maret/
March 31, 2012 March 31, 2011
2011 2010
(Tidak Diaudit/ (Tidak Diaudit/
Unaudited) Unaudited)
Laba bersih untuk to equity holders of the
pemilik entitas induk 266.622 150.055 parents company
Jumlah rata-rata tertimbang saham
biasa yang beredar (nilai penuh) 56.281.990.760 56.281.990.760 shares oustanding (full amount)
Laba per saham dasar Basic earnings per share
(nilai penuh) 5 3 (full amount)
Weighted average number of ordinary Net income attributable
41. INFORMASI MENGENAI TRANSAKSI DENGAN PIHAK BERELASI
41. RELATED PARTIES INFORMATION
Pihak berelasi/
Related parties
Sifat dari hubungan/
Nature of relationship
Sifat dari transaksi/
Nature of transaction PT Maybank Syariah Indonesia Mempunyai induk yang sama/Owned by the same
shareholder
Simpanan dari bank lain/Deposits from other banks
Dewan Komisaris, Direksi dan pejabat eksekutif/Board of Commissioners, Board of Directors and executive officer
Karyawan kunci/Key management personnel, Pengurus/Management
Kredit yang diberikan/Loans, Simpanan nasabah/Deposits from customers, Beban tenaga kerja/Personnel expenses
Kim Eng Securities Mempunyai induk yang sama/Owned by the same
shareholder
Simpanan nasabah/Deposits from customer
Malayan Banking Berhad Pemegang saham akhir/Ultimate shareholder Giro pada bank lain/Current accounts with other banks, Beban dibayar dimuka dan aset lain-lain/Prepayment and other assets, Simpanan dari bank lain/Deposits from other banks, Liabilitas akseptasi/Acceptances payable, Surat berharga yang diterbitkan/Securities issued, Liabilitas derivatif/Derivatives payable, Beban yang masih harus dibayar dan liabilitas lain-lain/Accrued expenses and other liabilities, Obligasi subordinasi/Subordinated bonds,L/C yang masih berjalan/Irrevocable L/C
Mayban Offshore Corporate Services (Labuan) Sdn.Bhd.
Pemegang saham/Ultimate shareholder Simpanan nasabah/Deposits from customers
PT OSK Nusadana Securities Indonesia Hubungan dengan pengurus/Related with management
Simpanan nasabah/Deposits from customers
Sorak Financial Holdings Pte. Ltd. Pemegang saham akhir/Ultimate shareholder Simpanan nasabah/Deposits from customers
Dalam menjalankan kegiatan usahanya, Bank melakukan transaksi-transaksi tertentu dengan pihak berelasi dengan persyaratan dan kondisi yang sama dengan yang berlaku bagi pihak ketiga, kecuali pinjaman yang diberikan kepada para karyawan kunci.
In the normal course of business, the Bank entered into certain transactions with related parties under similar terms and conditions as those with third parties, except for loans to key management personnel.
41. INFORMASI MENGENAI TRANSAKSI DENGAN PIHAK BERELASI (lanjutan)
41. RELATED PARTIES INFORMATION (continued)
Saldo aset produktif, simpanan, pinjaman yang diterima dan komitmen dan kontinjensi dari pihak berelasi adalah sebagai berikut:
The outstanding balances of earning assets, deposits, borrowings and commitments and contingencies with related parties are as follows:
31 Maret/ 31 Desember/
March 31, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
ASET
Giro pada bank lain (Catatan 5) 712 943 Current accounts with other banks (Note 5)
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain (Catatan 6) - 90.675 and other banks (Note 6)
Tagihan derivatif (Catatan 9) - 769 Derivatives receivable (Note 9)
Kredit yang diberikan (Catatan 10) 65.465 59.168 Loans (Note 10)
Piutang pembiayaan konsumen (Catatan 11) - 393 Consumer financing (Note 11)
Beban yang dibayar dimuka dan Prepayments and
aset lain-lain (Catatan 15) 20.324 18 other assets (Note 15)
Giro pada bank lain 0,00% 0,00% Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain - 0,10% and other banks
Tagihan derivatif - 0,00% Derivatives receivable
0,07% 0,06%
Piutang pembiayaan konsumen - 0,00%
Beban yang dibayar dimuka dan Prepayments and
aset lain-lain 0,02% 0,00% other assets
196 63.001
62.369 338.891
632.562 7.273
1.806 40.499
33.424
Surat berharga yang diterbitkan (Catatan 19) 1.875.598 1.833.411 Securities issued (Note 19)
Beban yang masih harus dibayar dan Accrued expenses and
liabilitas lain-lain (Catatan 22) 30.591 5.895 other liabilities (Note 22)
Obligasi subordinasi (Catatan 23) 323.527 355.336 Subordinated bonds (Note 23)
0,00%
0,07% 0,07%
0,38% 0,73%
0,01% 0,00%
0,05% 0,04%
Surat berharga yang diterbitkan 2,12% 2,52%
Beban yang masih harus dibayar dan Accrued expenses and
liabilitas lain-lain 0,03% 0,01% other liabilities
Obligasi subordinasi 0,37% 0,41% Subordinated bonds
Liabilitas komitmen Commitment liabilities
Letters of credit irrevocable yang Outstanding irrevocable
masih berjalan (Catatan 29) 46.923 47.905 letters of credit (Note 29)
Liabilitas kontinjensi Contingent liabilities
Garansi yang diberikan Guarantee issued in the from of:
Bank garansi (Catatan 29) - 50.000 Bank guarantess (Note 29)
COMMITMENTS AND Deposits from customers (Note 17)
CONTINGENCIES Obligations due immediately (Note 16)
Deposits from other banks Consumer financing
Securities issued
Persentase terhadap jumlah aset Percentage to total assets
40000000
ASSETS
Liabilitas segera (Catatan 16)
LIABILITAS LIABILITIES
Kredit yang diberikan Loans
Simpanan nasabah Deposits from customers
Simpanan dari bank lain
Simpanan dari bank lain (Catatan 18) Deposits from other banks (Note 18)
Persentase terhadap total liabilitas Percentage to total liabilities
Liabilitas akseptasi (Catatan 12) Acceptances payable (Note 12)
KOMITMEN DAN KONTINJENSI
Liabilitas akseptasi Acceptances payable
Liabilitas derivatif Derivatives payable
Simpanan nasabah (Catatan 17)
Liabilitas derivatif (Catatan 9) Derivatives payable (Note 9)
Liabilitas segera Obligations due immediately
41. INFORMASI MENGENAI TRANSAKSI DENGAN PIHAK BERELASI (lanjutan)
41. RELATED PARTIES INFORMATION (continued) Kompensasi atas karyawan kunci Bank, adalah
sebagai berikut
Compensation of key management personnel of the Bank, were as follows:
42. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES a. Posisi aset (sebelum dikurangi dengan
penyisihan kerugian penurunan nilai) dan liabilitas moneter dalam mata uang asing adalah sebagai berikut:
a. The balances of monetary assets (before deducted by allowance for impairment losses) and liabilities denominated in foreign currencies at statement of financial position dates were as follows:
Beban yang masih harus dibayar Accrued expenses and
dan liabilitas lain-lain other liabilities
42. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING (lanjutan)
42. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES (continued)
b. Posisi devisa neto b. Net open position
Pengelolaan posisi devisa neto Bank dilakukan untuk selalu memenuhi ketentuan Bank Indonesia yang mensyaratkan Bank untuk memelihara Posisi Devisa Neto (PDN) keseluruhan untuk seluruh valuta asing tidak melebihi 20,00% dari modal Bank (Tier I dan II).
Management of Bank‟s foreign currency position is conducted with regards to meet the Bank Indonesia regulation that require the Bank to maintain aggregate net open position for all foreign currencies not excess 20.00% of the Bank‟s capital (Tier I and II)
Berikut ini adalah posisi devisa neto Bank per tanggal 31 Maret 2012 dan 31 Desember 2011:
Following is the Bank‟s foreign currency net open position as of March 31, 2012 and December 31, 2011:
Nilai bersih absolut/
41020000_01 Aset/ Liabilitas/ Nilai bersih/ Net absolute
Assets Liabilities Net value value
ON-STATEMENT OF
LAPORAN POSISI KEUANGAN FINANCIAL POSITION
Dolar Amerika Serikat 34.752.547 34.578.762 173.785 173.785 United States Dollar
Dolar Australia 216.942 236.813 (19.871) 19.871 Australian Dollar
Dolar Kanada 2.346 96 2.250 2.250 Canadian Dollar
Frank Swiss 1.893 202 1.691 1.691 Swiss Franc
Euro Eropa 789.057 654.380 134.677 134.677 European Euro
Poundsterling Inggris 85.225 59.621 25.604 25.604 Great Britain Poundsterling
Dolar Hong Kong 4.449 925 3.524 3.524 Hong Kong Dollar
Rupee India 224.289 135.271 89.018 89.018 Indian Rupee
Yen Jepang 162.329 184.925 (22.596) 22.596 Japanese Yen
Rupee Mauritius 351 5 346 346 Mauritius Rupee
Dolar Singapura 825.115 805.257 19.858 19.858 Singapore Dollar
Rand Afrika Selatan 226 191 35 35 South African Rand 37.064.769
36.656.448 408.321 493.255
REKENING ADMINISTRATIF OFF-BALANCE SHEET
Dolar Amerika Serikat 8.116.246 7.751.943 364.303 364.303 United States Dollar
Dolar Australia 49.391 30.812 18.579 18.579 Australian Dollar
Dolar Kanada - 1.362 (1.362) 1.362 Canadian Dollar
Frank Swiss - 4.514 (4.514) 4.514 Swiss Franc
Euro Eropa 137.202 286.738 (149.536) 149.536 European Euro
Poundsterling Inggris 259.643 284.877 (25.234) 25.234 Great Britain Poundsterling
Dolar Hong Kong - 3.503 (3.503) 3.503 Hong Kong Dollar
Yen Jepang 27.721 6.044 21.677 21.677 Japanese Yen
Dolar Singapura - 10.122 (10.122) 10.122 Singapore Dollar
8.590.203
8.379.915 210.288 598.830
Jumlah 45.654.972 45.036.363 618.609 658.395 Total
Rasio Posisi Devisa Neto Net Open Position Ratio
(Laporan posisi keuangan dan (Statement of Financial Position
rekening administratif) 6,91% and off balance sheet)
Currency (Tidak Diaudit/Unaudited )
Mata uang
31 Maret/March 31 , 2012
42. ASET DAN LIABILITAS MONETER DALAM MATA UANG ASING (lanjutan)
42. MONETARY ASSETS AND LIABILITIES DENOMINATED IN FOREIGN CURRENCIES (continued)
b. Posisi devisa neto (lanjutan) b. Net open position (continued)
Nilai bersih absolut/
41020000_01 Aset/ Liabilitas/ Nilai bersih/ Net absolute Assets Liabilities Net value value
ON-STATEMENT OF
LAPORAN POSISI KEUANGAN FINANCIAL POSITION
Dolar Amerika Serikat 34.374.504 32.755.767 1.618.737 1.618.737 United States Dollar
Dolar Australia 297.796 287.186 10.610 10.610 Australian Dollar
Dolar Kanada 1.287 5 1.282 1.282 Canadian Dollar
Frank Swiss 2.314 256 2.058 2.058 Swiss Franc
Euro Eropa 639.565 663.140 (23.575) 23.575 European Euro
Poundsterling Inggris 132.871 58.722 74.149 74.149 Great Britain Poundsterling
Dolar Hong Kong 18.914 7.747 11.167 11.167 Hong Kong Dollar
Rupee India 212.211 128.039 84.172 84.172 Indian Rupee
Yen Jepang 138.886 156.970 (18.084) 18.084 Japanese Yen
Rupee Mauritius 453 2 451 451 Mauritius Rupee Ringgit Malaysia 3 6 (3) 3 Malaysian Ringgit
Dolar Singapura 723.300 782.068 (58.768) 58.768 Singapore Dollar
Rand Afrika Selatan 1.197 338 859 859 South African Rand 36.543.301
34.840.246 1.703.055 1.903.915
REKENING ADMINISTRATIF OFF-BALANCE SHEET
Dolar Amerika Serikat 4.524.864 5.961.764 (1.436.900) 1.436.900 United States Dollar
Dolar Australia 5.155 12.842 (7.687) 7.687 Australian Dollar
Dolar Kanada - 1.358 (1.358) 1.358 Canadian Dollar
Frank Swiss - 4.322 (4.322) 4.322 Swiss Franc
Euro Eropa 22.844 10.836 12.008 12.008 European Euro
Poundsterling Inggris 160.632 235.190 (74.558) 74.558 Great Britain Poundsterling
Dolar Hong Kong - 9.074 (9.074) 9.074 Hong Kong Dollar
Yen Jepang - 41.379 (41.379) 41.379 Japanese Yen
Dolar Singapura 149.395 81.043 68.352 68.352 Singapore Dollar
4.862.890
6.357.808 (1.494.918) 1.655.638
Jumlah 41.406.191 41.198.054 208.137 355.703 Total
Rasio Posisi Devisa Neto Net Open Position Ratio
(Laporan posisi keuangan (Statement of Financial Position
dan rekening administratif) 4,16% and off balance sheet)
Mata uang Currency
(Diaudit/Audited ) 31 Desember/December 31, 2011
43. KEPENTINGAN NON-PENGENDALI 43. NON-CONTROLLING INTEREST Mutasi kepentingan non-pengendali atas kekayaan
bersih entitas anak adalah sebagai berikut:
The movement of the non-controlling interest‟s share in the net assets of the subsidiaries is as follows:
41020000_01 31 Maret/ 31 Desember/
March 31, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Saldo awal 165.929 229.492 Beginning balance
Penambahan penyertaan saham Increase in share ownership
dalam entitas anak - (51.705) in subsidiary
Bagian kepentingan Dividen of subsidiaries
non-pengendali atas attributable to
dividen entitas anak non-controlling interest
periode/tahun berjalan - (13.991) for the current period/year
Bagian kepentingan Net (loss)/income of subsidiaries
non-pengendali atas (rugi)/laba bersih attributable to
entitas anak non-controlling interest
periode/tahun berjalan (8.479) 2.133 for the current period/year
Saldo akhir 157.450 165.929 Ending balance
Bagian kepentingan non-pengendali atas laba bersih entitas anak periode yang berakhir pada 31 Maret 2011 adalah sebesar Rp2.146.
Net income of subsidiaries attributable to non-controlling interest for the period ended March 31, 2011 amounted to Rp2,146.
44. KONTINJENSI 44. CONTINGENCIES
Bank International Ningbo Bank International Ningbo Pada tanggal 9 Maret 2001, Bank menjual seluruh
kepemilikannya atas Bank International Ningbo kepada PT Purinusa Eka Persada (“Purinusa”) sesuai dengan Perjanjian Jual Beli (“PJB”) tertanggal 9 Maret 2001 sebesar USD76,3 juta.
Persentase kepemilikan Bank pada Bank International Ningbo sebelum pengalihan kepada PT Purinusa Eka Persada tersebut adalah sebesar 51% (lima puluh satu persen) dengan nilai nominal penyertaan sebesar USD51.000.000 (lima puluh satu juta Dolar Amerika Serikat). Berdasarkan PJB tersebut, telah disepakati bahwa persetujuan dari the People‟s Bank of China (“PBOC”) dalam penjualan kepemilikan Bank pada Bank International Ningbo menjadi tanggung jawab Purinusa. Jika Purinusa gagal memperoleh izin dari PBOC atau dilarang untuk memiliki saham dalam Bank International Ningbo tersebut, Purinusa wajib menunjuk pihak lain, yang memenuhi persyaratan untuk menjadi pemegang saham dalam Bank International Ningbo berdasarkan Hukum Republik Rakyat China.
On March 9, 2001, the Bank sold all of its ownership in Bank International Ningbo (“BI Ningbo”) to PT Purinusa Eka Persada (“purinusa”) based on a Sale and Purchase Agreement – Perjanjian Jual Beli (“SPA”) dated March 9, 2001 in a purchase price of USD76.3 million. The Bank‟s percentage of ownership in BI Ningbo before transfer to PT Purinusa Eka Persada is 51% (fifty one percent) with nominal value of ownership amounted to USD51,000,000 (fifty one million United State Dollar). Under the SPA, it was agreed that the approval of the People‟s Bank of China (“PBOC”) in relation to the transfer of ownership of the Bank in BI Ningbo shall be the responsibility of Purinusa. If Purinusa fails to obtain the approval or is not allowed to become to own such BI Ningbo shares, Purinusa must appoint another party, which meets the requirement to be a shareholder of BI Ningbo under the Laws of the People‟s Republic of China.
44. KONTINJENSI (lanjutan) 44. CONTINGENCIES (continued)
Bank International Ningbo (lanjutan) Bank International Ningbo (continued) Permasalahan timbul karena Purinusa selaku
pembeli belum menerima persetujuan dari PBOC dalam melakukan pembelian saham tersebut.
The problem exists is due to Purinusa as a buyer has not yet received approval from PBOC to acquire the shares.
Sehubungan dengan belum diperolehnya persetujuan POBC, Bank dan Purinusa tidak membawa permasalahan yang timbul melalui pengadilan akan tetapi diselesaikan secara negosiasi yang ditindaklanjuti dengan pembuatan Undertaking and Indemnity Agreement tanggal 24 Oktober 2003 oleh Purinusa, dimana Purinusa setuju untuk:
In accordance with the approval has not yet been received from POBC, the Bank and Purinusa did not take the issue through court of justice but solved through negotiation with issuance of Undertaking and Indemnity Agreement dated October 24, 2003 by Purinusa, which Purinusa agreed to:
1. Membebaskan Bank dari semua liabilitas yang timbul sejak tanggal 9 Maret 2001 jika Bank masih terdaftar sebagai pemegang saham dalam Bank International Ningbo; dan
1. In indemnify the Bank from any liability arising since March 9, 2001 if the Bank is still registered as a shareholder of Bank International Ningbo; and
2. Tidak membatalkan perjanjian jual beli dan tidak menuntut pengembalian atas nilai pembelian.
2. Will not cancel the sale and purchase and will not be entitled to rescind the purchase price.
Pada tanggal 15 Desember 2006, Bank menandatangani First Amendment of Undertaking and Indemnity Agreement dengan Purinusa.
Dengan amendement tersebut, maka seluruh hal-hal terkait dengan perjanjian, indemnity, pernyataan dan jaminan masih akan tetap berlaku hingga peralihan saham Bank International Ningbo berdasarkan hukum Republik Rakyat China disetujui dan menjadi efektif. Hingga tanggal laporan keuangan konsolidasian, Bank masih terdaftar sebagai pemegang saham Bank International Ningbo.
On December 15, 2006, the Bank and Purinusa signed the First Amendment of Undertaking and Indemnity Agreement. Under this agreement, all matters relating to the agreements, indemnities, undertakings and warranties in respect to the transfer of BI Ningbo shares shall remain valid until such transfer of BI Ningbo shares is approved and comes into effect in accordance with the laws of the people‟s Republic of China. Up to the consolidated financial statements date, the Bank is still registered as a shareholder of BI Ningbo.
Saat ini Purinusa: (1) masih belum mendapatkan persetujuan dan belum memenuhi persyaratan untuk menjadi pemilik Bank International Ningbo;
dan (2) masih mencari pihak lain yang memenuhi persyaratan menjadi pemegang saham Bank International Ningbo sesuai hukum yang berlaku di Republik Rakyat Cina.
Currently, Purinusa: (1) has not yet received the approval and met the requirements to become the shareholder of Bank International Ningbo; and (2) is on going to find another party which meets the requirements to become the shareholder of Bank International Ningbo under the laws of the People‟s Republic of China.
Dengan mengingat bahwa permasalahan yang ada telah diselesaikan dengan ditandatanganinya Undertaking and Indemnity Agreement tanggal 24 Oktober 2003, maka tidak ada potensi kerugian yang akan diderita Bank.
In accordance that the problem has been solved with establishment of Undertaking and Indemnity Agreement dated October 24, 2003, there is no potential loss that wil be born by Bank.
45. DANA PENSIUN DAN MANFAAT KARYAWAN 45. PENSION PLAN AND EMPLOYEE BENEFITS Berdasarkan kebijakan Bank, karyawan
memperoleh tunjangan dan manfaat selain gaji, yang antara lain berupa: tunjangan hari raya (THR), penggantian biaya pengobatan, tunjangan kematian, tunjangan cuti, dana pensiun, bonus, asuransi (ASTEK), dan manfaat lainnya berdasarkan Undang-undang Ketenagakerjaan No. 13/2003.
Under the Bank‟s policy, in addition to salaries, the employees are entitled to allowances and benefits, such as: yearly allowances (THR), medical reimbursements, death allowances, leave allowances, pension plan, bonus, insurance (ASTEK), and benefits based on Labor Law No. 13/2003.
a. Dana Pensiun a. Pension Plan
Sejak bulan Mei 2007, dana pensiun iuran pasti Bank dikelola oleh Dana Pensiun Lembaga Keuangan AIG (DPLK - AIG), sebelumnya Bank memiliki dana pensiun Bank yang dikelola oleh Dana Pensiun Bank Internasional Indonesia (“Dana Pensiun BII“).
Dana pensiun BII telah dilikuidasi per tanggal 30 April 2007 dan telah disetujui oleh Menteri Keuangan dengan Keputusan Menteri Keuangan Republik Indonesia No. KEP-111/KM.10/2007 tanggal 11 Juni 2007.
Since May 2007, the Bank‟s defined contribution pension plan is managed by Dana Pensiun Lembaga Keuangan AIG (DPLK – AIG). Formerly, the Bank had the Pension Plan which was managed by Dana Pensiun Bank Internasional Indonesia (“BII Pension Plan“). BII Pension Plan was liquidated on April 30, 2007 and this has been approved by the Minister of Finance through the Decision of the Minister of Finance of the Republic Indonesia No. KEP-111/KM.10/2007 dated June 11, 2007.
Syarat untuk menjadi peserta program pensiun adalah pegawai tetap Bank yang ingin menjadi peserta program pensiun dan berumur diatas 18 tahun atau telah menikah.
The requirements to become participants of the pension plan are permanent employees who are interested to become participants of the pension plan and above 18 years of age or are married.
Iuran pensiun ditetapkan sebesar 8,76% dari gaji karyawan peserta dana pensiun, dimana 5,76% ditanggung Bank dan sisanya sebesar 3% ditanggung oleh karyawan. Beban pensiun Bank selama tahun yang berakhir pada tanggal-tanggal 31 Maret 2012 dan 2011 masing-masing berjumlah Rp3.386 dan Rp3.141.
The contribution is determined at 8.76% of the employees‟ salary who join the pension plan, of which 5.76% is contributed by the Bank and the remaining 3% is contributed by the employee. The Bank‟s pension expense for the years ended March 31, 2012 and 2011 amounted to Rp3,386 and Rp3,141, respectively.
b. Penyisihan Imbalan Karyawan b. Provision for Employee Benefits Mutasi liabilitas imbalan pasti adalah sebagai
berikut:
Changes in the defined benefit liabilities were as follows:
31 Maret/ 31 Desember/
March 31, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Saldo awal (572.435) (406.044) Beginning balance
Beban manfaat karyawan Employee benefit expense
selama periode/tahun berjalan (73.687) (213.501) during the period/year
Manfaat yang dibayarkan 10.221 45.130 Benefits paid
Kontribusi - 1.980 Contribution
Saldo akhir (635.901) (572.435) Ending balance
46. JASA KUSTODIAN 46. CUSTODIAN SERVICE Bank telah memberikan jasa kustodian dan telah
memperoleh Izin Jasa Kustodian berdasarkan Keputusan Badan Pengawas Pasar Modal dan Lembaga Keuangan (Bapepam-LK) dalam surat No. KEP-67/PM/1991 tanggal 21 Juli 1991 dan juga telah memperoleh Sertifikat Kesesuaian Syariah Bank Kustodian dengan No. U-158/DSN-MUI/V/2009 tanggal 7 Mei 2009 yang dikeluarkan Dewan Syariah Nasional - MUI.
The Bank provides a full range of custodian
The Bank provides a full range of custodian