327,574Kurang dari atau sampai
17. SIMPANAN DAN SIMPANAN DARI BANK LAIN DEPOSITS FROM CUSTOMERS AND OTHER BANKS
a. Simpanan a. Deposits from Customers
Simpanan terdiri dari: Deposits consist of:
17010000 2006 2005 2006 2005
Pihak terkait (Catatan 39) Related parties (Note 39)
Giro 12,810 62,498 21,797 90,352 Demand deposits
Tabungan 3,554 2,341 3,554 2,341 Savings deposits Deposito berjangka 48,114 153,881 48,114 159,404 Time deposits
64,478
218,720 73,465 252,097
Pihak tidak terkait Non-related parties
Giro 9,098,107 9,874,622 9,098,107 9,874,622 Demand deposits
Tabungan 5,601,984 5,070,505 5,601,984 5,070,505 Savings deposits
Deposito berjangka 22,352,560 21,753,455 22,259,161 21,542,133 Time deposits
37,052,651
36,698,582 36,959,252 36,487,260 37,117,129
36,917,302 37,032,717 36,739,357
Konsolidasi/ Bank/
Consolidated Bank
a. Simpanan (lanjutan) a. Deposits from Customers (continued) 1. Giro terdiri dari: 1. Demand deposits consist of:
17010100_01 2006 2005 2006 2005
Rupiah 4,217 6,401 13,124 33,650 Rupiah
Mata uang asing 8,593 56,097 8,673 56,702 Foreign currencies 12,810
62,498 21,797 90,352
Rupiah 3,026,274 2,818,624 3,026,274 2,818,624 Rupiah
Mata uang asing 6,071,833 7,055,998 6,071,833 7,055,998 Foreign currencies
9,098,107
9,874,622 9,098,107 9,874,622
9,110,917
9,937,120 9,119,904 9,964,974
Pihak tidak terkait Non-related parties
Pihak terkait Related parties
Konsolidasi/ Bank/
Consolidated Bank
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
17010100_02 2006 2005
Rupiah 2.44% 2.55% Rupiah
Mata uang asing 1.31% 0.57% Foreign currencies
Tingkat bunga rata-rata per tahun untuk giro dari pihak terkait adalah sama dengan tingkat bunga yang ditawarkan kepada pihak tidak terkait.
The average interest rates per annum on demand deposits from related parties are similar to those charged to non-related parties.
Pada 31 Desember 2006, jumlah giro Wadiah yang dikelola oleh unit Syariah Perusahaan untuk Rupiah dan mata uang asing masing-masing sebesar Rp14.827 dan Rp1.719 (2005: Rp8.664 dan Rp1.752).
As of December 31, 2006, total Wadiah demand deposits managed by the Company’s Syariah unit in Rupiah and in foreign currencies amounted to Rp14,827 and Rp1,719 (2005: Rp8,664 and Rp1,752), respectively.
Tidak ada saldo giro yang diblokir atau dijadikan jaminan kredit pada 31 Desember 2006 dan 2005.
There were no demand deposits which were blocked or under lien as of December 31, 2006 and 2005.
2. Tabungan terdiri dari: 2. Savings deposits consist of:
17010200_01 2006 2005 2006 2005
Rupiah 3,554 2,341 3,554 2,341 Rupiah
Rupiah 5,601,319 5,069,568 5,601,319 5,069,568 Rupiah
Mata uang asing 665 937 665 937 Foreign currencies 5,601,984
5,070,505 5,601,984 5,070,505 5,605,538
5,072,846 5,605,538 5,072,846
Pihak tidak terkait Non-related parties
Pihak terkait Related parties
Konsolidasi/ Bank/
Consolidated Bank
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
17010200_02 2006 2005
Rupiah 4.60% 3.77% Rupiah
Mata uang asing 3.58% 3.52% Foreign currencies
a. Simpanan (lanjutan) a. Deposits from Customers (continued)
2. Tabungan terdiri dari (lanjutan): 2. Savings deposits consist of (continued):
Tingkat bunga rata-rata per tahun untuk tabungan dari pihak terkait adalah sama dengan tingkat bunga yang ditawarkan kepada pihak tidak terkait.
The average interest rates per annum on savings deposits from related parties are similar to those offered to non-related parties.
Pada 31 Desember 2006, jumlah tabungan Wadiah dan Mudharabah yang dikelola oleh unit Syariah Perusahaan mempunyai nilai masing-masing sebesar Rp9.423 dan Rp1.339 (2005: Rp4.825 dan Rp4.521) (semua dalam mata uang Rupiah).
As of December 31, 2006, total Wadiah and Mudharabah savings deposits, managed by the Company’s Syariah unit amounted to Rp9,423 and Rp1,339 (2005:
Rp4,825 and Rp4,521), respectively (all Rupiah denominated).
3. Deposito berjangka terdiri dari: 3. Time deposits consist of:
17010300_01 2006 2005 2006 2005
Rupiah 19,383 7,870 19,383 13,393 Rupiah Mata uang asing 28,731 146,011 28,731 146,011 Foreign currencies
48,114
153,881 48,114 159,404
Rupiah 18,809,858 18,809,85817,798,196 17,798,196 Rupiah
Mata uang asing 3,542,702 3,955,259 3,449,303 3,743,937 Foreign currencies 22,352,560
21,753,455 22,259,161 21,542,133 22,400,674
21,907,336 22,307,275 21,701,537
Pihak tidak terkait Non-related parties
Pihak terkait Related parties
Konsolidasi/ Bank/
Consolidated Bank
Klasifikasi deposito berjangka berdasarkan jangka waktu adalah sebagai berikut:
Classification of time deposits based on maturity is as follows:
(i) Berdasarkan periode deposito berjangka:
(i) Based on period of time deposits:
2006 2005 2006 2005
1 bulan 12,602,143 12,602,14315,861,887 15,867,410 1 month
3 bulan 2,948,526 1,169,357 2,948,526 1,169,357 3 months
6 bulan 1,941,139 450,754 1,941,139 450,754 6 months
12 bulan 1,337,433 324,068 1,337,433 324,068 12 months
18,829,241
17,806,066 18,829,241 17,811,589
1 bulan 2,852,731 3,386,128 2,852,731 3,386,128 1 month
3 bulan 179,322 217,668 160,257 129,766 3 months
6 bulan 293,489 250,384 219,973 130,908 6 months
12 bulan 245,891 247,090 245,073 243,146 12 months
3,571,433
4,101,270 3,478,034 3,889,948 22,400,674
21,907,336 22,307,275 21,701,537
Mata uang asing Foreign currencies
17010301
Rupiah Rupiah
Konsolidasi/ Bank/
Consolidated Bank
a. Simpanan (lanjutan) a. Deposits from Customers (continued) 3. Deposito berjangka terdiri dari (lanjutan): 3. Time deposits consist of (continued):
(ii) Berdasarkan sisa umur sampai dengan saat jatuh tempo:
(ii) Based on remaining period until maturity:
2006 2005 2006 2005
< = 1 bulan 13,097,489 13,097,48915,563,386 15,568,909 <= 1 month
> 1 bulan - 3 bulan 3,759,545 1,666,827 3,759,545 1,666,827 > 1 month - 3 months
> 3 bulan - 6 bulan 1,167,889 321,390 1,167,889 321,390 > 3 months - 6 months
> 6 bulan - 12 bulan 584,661 237,599 584,661 237,599 > 6 months - 12 months
> 12 bulan 219,657 16,864 219,657 16,864 > 12 months 18,829,241
17,806,066 18,829,241 17,811,589
< = 1 bulan 2,793,040 3,359,687 2,770,755 3,306,502 <= 1 month
> 1 bulan - 3 bulan 315,602 419,788 304,327 266,261 > 1 month - 3 months
> 3 bulan - 6 bulan 230,966 91,905 171,944 87,295 > 3 months - 6 months
> 6 bulan - 12 bulan 230,926 229,608 230,109 229,608 > 6 months - 12 months
> 12 bulan 899 282 899 282 > 12 months 3,571,433
4,101,270 3,478,034 3,889,948 22,400,674
21,907,336 22,307,275 21,701,537
Mata uang asing Foreign currencies
17010302
Rupiah Rupiah
Konsolidasi/ Bank/
Consolidated Bank
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
17010300_02 2006 2005
1 bulan 11.62% 8.59% 1 month
3 bulan 12.00% 8.14% 3 months
6 bulan 12.03% 7.71% 6 months
12 bulan 12.03% 7.77% 12 months
1 bulan 3.37% 1.73% 1 month
3 bulan 3.26% 1.78% 3 months
6 bulan 3.01% 1.25% 6 months
12 bulan 4.25% 1.40% 12 months
Rupiah Rupiah
Mata uang asing Foreign currencies
Tingkat bunga rata-rata per tahun untuk deposito berjangka dari pihak terkait adalah sama dengan tingkat bunga yang ditawarkan kepada pihak tidak terkait.
The average interest rates per annum on time deposits from related parties are similar to those offered to non-related parties.
Saldo deposito berjangka yang diblokir atau dijadikan jaminan kredit pada 31 Desember 2006 adalah sebesar Rp1.096.257 untuk konsolidasi (2005:
Rp875.213) dan Rp1.013.047 untuk Bank (2005: Rp755.084). Pada 31 Desember 2006 jumlah deposito Mudharabah yang dikelola oleh unit Syariah Perusahaan dalam Rupiah dan mata uang asing adalah masing-masing sebesar Rp99.682 dan Rp12.336 (2005: Rp55.006 dan
Total time deposits which were blocked or under lien as of December 31, 2006 amounted to Rp1,096,257 on a consolidated basis (2005: Rp875,213) and Rp1,013,047 for the Bank (2005:
Rp755,084). As of December 31, 2006, total Mudharabah time deposits managed by the Company’s Syariah unit in Rupiah and foreign currencies amounted to Rp99,682 and Rp12,336 (2005: Rp55,006 and Rp2,788), respectively.
b. Simpanan dari Bank Lain b. Deposits from Other Banks Simpanan dari bank lain terdiri dari: Deposits from other banks consist of:
2006 2005 2006 2005
Giro 47,276 71 47,386 262 Demand deposits
Sertifikat deposito - 5,000 - 5,000 Certificate of deposits
Call money 109,030 - 100,000 - Call money
156,306
5,071 147,386 5,262
Giro 310,056 164,375 261,791 164,375 Demand deposits
Deposito berjangka 236,329 261,931 236,329 172,704 Time deposits
Call money 1,558,756 1,480,1211,447,892 1,447,892 Call money
2,105,141
1,874,198 1,978,241 1,784,971 2,261,447
1,879,269 2,125,627 1,790,233
Pihak tidak terkait Non-related parties
17020000
Pihak terkait (Catatan 39) Related parties (Note 39)
Konsolidasi/ Bank/
Consolidated Bank
1. Giro dari bank lain terdiri dari: 1. Demand deposits from other banks consist of:
17020100_01 2006 2005 2006 2005
Rupiah 2,568 61 2,578 108 Rupiah
Mata uang asing 44,708 10 44,808 154 Foreign currencies 47,276
71 47,386 262
Rupiah 246,314 153,007 246,314 153,007 Rupiah
Mata uang asing 63,742 11,368 15,477 11,368 Foreign currencies 310,056
164,375 261,791 164,375 357,332
164,446 309,177 164,637
Pihak tidak terkait Non-related parties
Pihak terkait Related parties
Konsolidasi/ Bank/
Consolidated Bank
Pada tanggal 31 Desember 2006 dan 2005, jumlah giro Wadiah yang dikelola oleh unit Syariah Perusahaan mempunyai nilai masing-masing sebesar Rp90 dan Rp60.
As of December 31, 2006 and 2005, total Wadiah demand deposits managed by the Company’s Syariah unit amounted to Rp90 and Rp60, respectively.
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
17020100_02 2006 2005
Rupiah 3.84% 3.35% Rupiah
Mata uang asing 0.64% 0.35% Foreign currencies
Tingkat bunga rata-rata per tahun untuk giro dari pihak terkait adalah sama dengan tingkat bunga yang ditawarkan kepada pihak tidak terkait.
The average interest rates per annum on demand deposits from related parties are similar to those offered to the non-related parties.
b. Simpanan dari Bank Lain (lanjutan) b. Deposits from Other Banks (continued) Tidak ada saldo giro dari bank lain yang
diblokir atau dijadikan jaminan kredit pada 31 Desember 2006 dan 2005.
There were no demand deposits from other banks which were blocked or held under lien as of December 31, 2006 and 2005.
2. Deposito berjangka dari bank lain terdiri dari:
2. Time deposits from other banks consist of:
2006 2005 2006 2005
Non-related parties
Rupiah 236,329 172,704 236,329 172,704 Rupiah
Mata uang asing - 89,227 - - Foreign currencies
236,329
261,931 236,329 172,704 17020200
Pihak tidak terkait
Konsolidasi/ Bank/
Consolidated Bank
Pada tanggal 31 Desember 2006 dan 2005, jumlah deposito Mudharabah yang dikelola oleh unit Syariah Perusahaan adalah masing-masing sebesar RpNihil dan Rp25.000.
As of December 31, 2006 and 2005, total Mudharabah time deposits managed by the Company’s Syariah unit amounted to RpNil and Rp25,000, respectively.
Klasifikasi deposito berjangka dari bank lain berdasarkan jangka waktu adalah sebagai berikut:
Classification of time deposits from other banks based on maturity are as follows:
(i) Berdasarkan periode deposito berjangka:
(i) Based on period of time deposits:
2006 2005 2006 2005
1 bulan 234,029 149,404 234,029 149,404 1 month
3 bulan - 20,000 - 20,000 3 months
6 bulan 1,300 3,300 1,300 3,300 6 months
12 bulan 1,000 - 1,000 - 12 months 236,329
172,704 236,329 172,704
1 bulan - 11,796 - - 1 month 3 bulan - 25,651 - - 3 months 6 bulan - 22,290 - - 6 months 12 bulan - 29,490 - - 12 months
89,227 - -236,329
261,931 236,329 172,704 17020201
Rupiah Rupiah
Mata uang asing Foreign currencies
Konsolidasi/ Bank/
Consolidated Bank
b. Simpanan dari Bank Lain (lanjutan) b. Deposits from Other Banks (continued) (ii) Berdasarkan sisa umur sampai
dengan saat jatuh tempo:
(ii) Based on the remaining period until maturity:
17020202_01 2006 2005 2006 2005
< = 1 bulan 215,679 139,878 215,679 139,878 < =1 month
> 1 bulan - 3 bulan 18,350 31,526 18,350 31,526 > 1 month - 3 months
> 3 bulan - 6 bulan 300 300 300 300 > 3 months - 6 months
> 6 bulan - 12 bulan 2,000 1,000 2,000 1,000 > 6 months - 12 months 236,329
172,704 236,329 172,704
< = 1 bulan - 37,678 - - < =1 month
> 1 bulan - 3 bulan - 37,488 - - > 1 month - 3 months
> 3 bulan - 6 bulan - 14,061 - - > 3 months - 6 months
89,227 - -236,329
261,931 236,329 172,704
Rupiah Rupiah
Mata uang asing Foreign currencies
Konsolidasi/ Bank/
Consolidated Bank
Tingkat bunga rata-rata per tahun: Average interest rates per annum:
17020202_02 2006 2005
1 bulan 11.80% 8.89% 1 month
3 bulan 12.50% 6.20% 3 months
6 bulan 12.17% 7.27% 6 months
12 bulan 11.75% 6.30% 12 months
1 bulan - 4.80% 1 month
3 bulan - 4.65% 3 months
6 bulan - 4.20% 6 months
12 bulan - 5.48% 12 months
Rupiah Rupiah
Mata uang asing Foreign currencies
Tidak ada saldo deposito berjangka dari bank lain yang diblokir atau dijadikan jaminan kredit pada 31 Desember 2006 dan 2005.
There were no time deposits from other banks which were blocked or under lien as of December 31, 2006 and 2005.
3. Sertifikat Deposito 3. Certificate of Deposits Pada tanggal 31 Desember 2006, tidak
terdapat penempatan dalam sertifikat deposito. Pada tanggal 31 Desember 2005, terdapat sertifikat deposito dari PT Bank Syariah Mandiri, pihak terkait sebesar Rp5.000 dengan jangka waktu 14 hari.
There were no placements in certificate of deposits as of December 31, 2006. As of December 31, 2005, there were certificates of deposit from PT Bank Syariah Mandiri, a related party, amounting to Rp5,000 with a tenure of 14 days.
b. Simpanan dari Bank Lain (lanjutan) b. Deposits from Other Banks (continued)
4. Call Money 4. Call Money
Pada 31 Desember 2006, call money merupakan penempatan dari bank lain dengan jangka waktu antara 4-90 hari (2005: 4-448 hari) yang diperoleh melalui pasar uang.
As of December 31, 2006, call money represents placements from other banks with tenure between 90 days (2005: 4-448 days) that are obtained from the money market.
17020300_01 2006 2005 2006 2005
Pihak terkait Related parties
Rupiah 100,000 - 100,000 - Rupiah
Mata uang asing 9,030 - - - Foreign currencies 109,030
- 100,000
-Pihak tidak terkait Non-related parties
Rupiah 1,480,121 1,447,892 1,480,121 1,447,892 Rupiah
Mata uang asing 78,635 - - - Foreign currencies 1,558,756
1,447,892 1,480,121 1,447,892
1,667,786
1,447,892 1,580,121 1,447,892
Konsolidasi/ Bank/
Consolidated Bank
Pada tahun 2006, call money dari bank lain sebesar Rp401.621 berkaitan dengan transaksi USD/IDR deposit dengan PT Bank Century Tbk (Catatan 5).
Call money from other banks of Rp401,621 as of December 31, 2006 relates to the USD/IDR deposit with PT Bank Century Tbk (Note 5).
Call money dari bank lain pada tahun 2005 sebesar Rp300.000 berkaitan dengan transaksi USD/IDR deposit dengan Deutsche Bank AG - Cabang Indonesia (Catatan 5). Nilai wajar call money dari Deutsche Bank AG - Cabang Indonesia per tanggal 31 Desember 2005 adalah sebesar Rp292.120.
Call money from other banks of Rp300,000 as of December 31, 2005 relates to the USD/IDR deposit with Deutsche Bank AG – Indonesia Branch (Note 5). Fair value of the call money from Deutsche Bank AG - Indonesia Branch as of December 31, 2005 was Rp292,120.
Tingkat bunga rata-rata per tahun: Average interest rate per annum:
17020300_02 2006 2005
10.33% 9.31%
Mata uang asing 4,97% - 5,67%
-Rupiah Rupiah
Foreign currencies 18. EFEK-EFEK YANG DIJUAL DENGAN JANJI