24. SIMPANAN DARI NASABAH – GIRO 24. DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS
Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga By currency, related parties, and third parties
Tabungan dari pihak berelasi diungkapkan dalam Catatan 49. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 54 dan 56.
Saving deposits from related parties is disclosed in Note 49. Information in respect of interest rates and maturities are disclosed in Notes 54 and 56.
Berdasarkan Undang-Undang No. 24 tentang Lembaga Penjaminan Simpanan (LPS) tanggal 22 September 2004, efektif sejak tanggal 22 September 2005, sebagaimana diubah dengan Undang-Undang No. 7 Tahun 2009 tanggal 13 Januari 2009 tentang Penetapan Peraturan Pemerintah Pengganti Undang-Undang No. 3 Tahun 2008, LPS dibentuk untuk menjamin liabilitas tertentu bank-bank umum berdasarkan program penjaminan yang berlaku, yang besaran nilai jaminannya dapat berubah jika memenuhi kriteria tertentu yang berlaku.
Based on Law No. 24 concerning the Indonesia Deposit Insurance Agency (LPS) dated 22 September 2004, effective on 22 September 2005, which was amended by Law No. 7 Year 2009 dated 13 January 2009 regarding with the Determination of Government Regulation as Substitution of Law No. 3 Year 2008, LPS was formed to guarantee certain liabilities of commercial banks under the applicable guarantee program, which the amount of guarantee can be adjusted if meet certain criteria.
Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66/2008 tanggal 13 Oktober 2008 mengenai besarnya nilai simpanan yang dijamin LPS, pada tanggal 31 Desember 2015, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp 2.000 untuk per nasabah per bank. Pada tanggal 6 Oktober 2015, berdasarkan Surat Edaran LPS No. 19 Tahun 2015, simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,50% untuk simpanan dalam Rupiah dan 1,25% untuk simpanan dalam mata uang asing. Pada tanggal 13 September 2016 terdapat pembaharuan Surat Edaran LPS No. 17 tahun 2016 terkait dengan penyesuaian suku bunga yaitu 6,25% untuk simpanan dalam Rupiah dan 0,75% untuk simpanan dalam mata uang asing untuk periode 15 September 2016 sampai 15 Januari 2017.
Based on Indonesia Republic’s Government Regulation No. 66/2008 dated 13 October 2008 regarding with the amount of deposit guaranteed by LPS, as at 31 December 2015, the amount of deposits covered by
LPS is customer deposits up to
Rp 2,000 per depositor per bank. As at 6 October 2015, based on LPS’s Circular Letter No. 19 Year 2015, deposit from customers are covered only if the rate of interest is equal to or below 7.50% for deposits denominated in Rupiah and 1.25% for deposits denominated in foreign currencies. As at 13 September 2016 there is revision of LPS’s Circular Letter No. 17 tahun 2016 related with adjustment of interest rate which is 6.25% for deposit denominated in Rupiah and 0.75% for deposit denominated in foreign currency for period 15 September 2016 to 15 January 2017.
Pada tanggal 31 Desember 2016, 2015, dan 2014, Bank CIMB Niaga adalah peserta dari program penjaminan tersebut.
As at 31 December 2016, 2015, and 2014, Bank CIMB Niaga was a participant of the guarantee program.
2016 2015 2014
Pihak berelasi Related parties
Rupiah 49,019 50,471 31,119 Rupiah
Dolar Amerika Serikat 11,657 4,921 2,650 United States Dollar
Mata uang asing lainnya 5,594 3,731 2,606 Other foreign currencies
66,270 59,123 36,375
Pihak ketiga Third parties
Rupiah 40,017,071 36,160,537 34,049,834 Rupiah
Dolar Amerika Serikat 5,662,660 5,841,617 4,062,419 United States Dollar
Mata uang asing lainnya 1,464,623 1,061,836 1,017,764 Other foreign currencies
47,144,354 43,063,990 39,130,017
47,210,624 43,123,113 39,166,392
(continued) Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga(lanjutan) By currency, related parties, and third parties (continued)
Pada tanggal 31 Desember 2016, tabungan didasarkan pada prinsip perbankan syariah adalah Rp 3.831.820 (2015: Rp 2.857.597; 2014: Rp 2.283.748).
As at 31 December 2016, saving deposit based on sharia banking principles amounted to Rp 3,831,820 (2015:
Rp 2,857,597; 2014: Rp 2,283,748).
Pada tanggal 31 Desember 2016, tabungan sebesar Rp 113.691 dijadikan jaminan atas kredit yang diberikan Bank (2015: Rp 99.315; 2014: Rp 284.943) (lihat Catatan 12k).
As at 31 December 2016, saving deposits amounted to Rp 113,691 was pledged as collateral for the loans granted by the Bank (2015: Rp 99,315; 2014: Rp 284,943) (refer to Note 12k).
26. SIMPANAN DARI NASABAH - DEPOSITO BERJANGKA 26. DEPOSITS FROM CUSTOMERS - TIME DEPOSITS a. Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga
a. By currency, related parties, and third parties
b. Berdasarkan jangka waktu kontrak b. By period of contract
c. Berdasarkan jatuh tempo c. By maturity
Pada tanggal 31 Desember 2016, deposito berjangka berdasarkan prinsip perbankan syariah adalah Rp 5.383.697 (2015: Rp 3.945.690; 2014:
Rp 3.893.218).
As at 31 December 2016, time deposit based on sharia banking principles amounted to Rp 5,383,697 (2015: Rp 3,945,690; 2014: Rp 3,893,218).
2016 2015 2014
Pihak berelasi Related parties
Rupiah 78,997 138,173 129,742 Rupiah
Dolar Amerika Serikat 6,176 16,354 24,592 United States Dollar
Mata uang asing lainnya 3,595 605 93 Other foreign currencies
88,768 155,132 154,427
Pihak ketiga Third parties
Rupiah 74,840,267 83,930,269 73,172,004 Rupiah
Dolar Amerika Serikat 13,628,504 10,734,807 22,752,841 United States Dollar
Mata uang asing lainnya 204,991 146,153 253,212 Other foreign currencies
88,673,762 94,811,229 96,178,057
88,762,530 94,966,361 96,332,484
2016 2015 2014
< 1 bulan 10,170,442 28,253,790 35,234,156 < 1 month
> 1 - < 3 bulan 38,984,117 28,771,941 21,740,275 > 1 - < 3 months
> 3 - < 6 bulan 15,849,548 17,326,407 16,080,605 > 3 - < 6 months
> 6 - < 12 bulan 8,167,158 6,950,082 9,057,858 > 6 - < 12 months
> 12 bulan 15,591,265 13,664,141 14,219,590 > 12 months
88,762,530 94,966,361 96,332,484
2016 2015 2014
< 1 bulan 48,501,382 55,826,396 58,359,994 < 1 month
> 1 - < 3 bulan 22,132,115 22,795,965 19,502,769 > 1 - < 3 months
> 3 - < 12 bulan 10,330,568 10,106,086 12,788,970 > 3 - < 12 months
> 1 - < 5 tahun 7,778,634 6,118,175 5,626,330 > 1 - < 5 years
> 5 tahun 19,831 119,739 54,421 > 5 years
88,762,530 94,966,361 96,332,484
c. Berdasarkan jatuh tempo(lanjutan) c. By maturity(continued) Deposito berjangka dari pihak berelasi diungkapkan
dalam Catatan 49. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 54 dan 56.
Time deposits from related parties are disclosed in Note 49. Information in respect to interest rates and maturities are disclosed in Notes 54 and 56.
Pada tanggal 31 Desember 2016, deposito berjangka sebesar Rp 7.469.052 dijadikan jaminan kredit yang diberikan Bank (2015: Rp 7.534.123; 2014:
Rp 8.353.874) (lihat Catatan 12k).
As at 31 December 2016, time deposits amounting to Rp 7,469,052 was pledged as collateral for the loans
granted by Bank CIMB Niaga (2015:
Rp 7,534,123; 2014: Rp 8,353,874) (refer to Note 12k).
Terkait dengan ketentuan nilai penjaminan simpanan
dari nasabah – deposito berjangka, lihat Catatan 25. Related to the amount of deposit guaranteed regulation of deposit from customer – time deposits, refer to Note 25.
27. SIMPANAN DARI BANK LAIN – GIRO DAN TABUNGAN 27. DEPOSITS FROM OTHER BANKS – DEMAND AND