Obligasi I CIMB Niaga Auto Finance Tahun 2012
23. SIMPANAN DARI NASABAH – GIRO DEPOSITS FROM CUSTOMERS - DEMAND DEPOSITS Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga By currency, related parties, and third parties
Pada tanggal 31 Desember 2014, giro yang didasarkan pada prinsip perbankan syariah adalah Rp 588.320 (2013: Rp 430.179; 2012: Rp 328.176).
As at 31 December 2014, current account based on sharia banking principles amounted to Rp 588,320 (2013: Rp 430,179; 2012: Rp 328,176).
Giro dari pihak berelasi diungkapkan dalam Catatan 48.
Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 53 dan 55.
Demand deposits from related parties are disclosed in Note 48. Information in respect of interest rates and maturities are disclosed in Notes 53 and 55.
Pada tanggal 31 Desember 2014, giro sebesar Rp 959 dijadikan jaminan atas kredit yang diberikan Bank (2013: Rp 25.114; 2012: Rp 27.538) (lihat Catatan 12j).
As at 31 December 2014, demand deposits amounted to Rp 959 was pledged as collateral for the loans granted by the Bank (2013: Rp 25,114; 2012: Rp 27,538) (refer to Note 12j).
2014 2013 2012
Titipan transfer 344,922 372,008 407,057 Transfer liabilities
TitipanVisa card 219,576 232,650 214,607 Visa card liabilities
Titipanmerchant 74,696 41,881 50,370 Merchant liabilities
Titipan umum 57,301 126,182 40,975 General liabilities
TitipanMaster card 20,947 47,897 100,997 Master card liabilities
Titipan kredit 12,563 21,413 5,126 Credit related liabilities
Titipan personalia 3,448 3,775 4,103 Personnel related liabilities
Lainnya 264,516 204,036 70,528 Others
997,969 1,049,842 893,763
2014 2013 2012
Pihak berelasi Related parties
Rupiah 84,032 109,078 92,634 Rupiah
Dolar Amerika Serikat 14,691 11,643 4,579 United States Dollar
Mata uang asing lainnya 1,117 798 772 Other foreign currencies
99,840 121,519 97,985
Pihak ketiga Third parties
Rupiah 25,380,862 22,993,275 24,124,851 Rupiah
Dolar Amerika Serikat 11,920,619 12,353,354 9,686,400 United States Dollar
Mata uang asing lainnya 1,823,037 1,324,852 1,848,519 Other foreign currencies
39,124,518 36,671,481 35,659,770
39,224,358 36,793,000 35,757,755
Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga By currency, related parties, and third parties
Tabungan dari pihak berelasi diungkapkan dalam Catatan 48. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 53 dan 55.
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.
Saving deposits from related parties is disclosed in Note 48. Information in respect interest rates and maturities are disclosed in Notes 53 and 55.
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 criterias.
Berdasarkan Peraturan Pemerintah Republik Indonesia No. 66/2008 tanggal 13 Oktober 2008 mengenai besarnya nilai simpanan yang dijamin LPS, pada tanggal 31 Desember 2014, 2013, dan 2012, jumlah simpanan yang dijamin LPS adalah simpanan sampai dengan Rp 2.000 untuk per nasabah per bank. Pada tanggal 15 Januari 2015, berdasarkan Surat Edaran LPS No.PRESS/1/SEKL/I/2015, simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 7,75% untuk simpanan dalam Rupiah dan 1,50% untuk simpanan dalam mata uang asing.
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 2014, 2013, and 2012, the amount of deposits covered by LPS is customer deposits up to Rp 2,000 per depositor per bank. As at 15 January 2015, based on LPS’s Circular Letter No.PRESS/1/SEKL/I/2015, deposit from customers are covered only if the rate of interest is equal to or below 7.75% for deposits denominated in Rupiah and 1.50% for deposits denominated in foreign currencies.
Pada tanggal 31 Desember 2014, 2013, dan 2012, Bank CIMB Niaga adalah peserta dari program penjaminan tersebut.
As at 31 December 2014, 2013, and 2012, Bank CIMB Niaga was a participant of the guarantee program.
2014 2013 2012
Pihak berelasi Related parties
Rupiah 31,119 36,899 39,212 Rupiah
Dolar Amerika Serikat 2,650 2,264 1,657 United States Dollar
Mata uang asing lainnya 2,606 6,378 3,810 Other foreign currencies
36,375 45,541 44,679
Pihak ketiga Third parties
Rupiah 34,049,834 30,279,421 29,286,821 Rupiah
Dolar Amerika Serikat 4,062,419 3,904,316 404,528 United States Dollar
Mata uang asing lainnya 1,017,764 1,003,684 156,963 Other foreign currencies
39,130,017 35,187,421 29,848,312
39,166,392 35,232,962 29,892,991
(continued) Pada tanggal 31 Desember 2014, tabungan didasarkan
pada prinsip perbankan syariah adalah Rp 2.283.748 (2013: Rp 1.906.879; 2012: Rp 1.436.545).
As at 31 December 2014, saving deposit based on sharia banking principles amounted to Rp 2,283,748 (2013: Rp 1,906,879; 2012: Rp 1,436,545).
Pada tanggal 31 Desember 2014, tabungan sebesar Rp 284.943 dijadikan jaminan atas kredit yang diberikan Bank (2013: Rp 66.846; 2012: Rp 775.957) (lihat Catatan 12j).
As at 31 December 2014, saving deposits amounted to Rp 284,943 was pledged as collateral for the loans granted by the Bank (2013: Rp 66,846; 2012: Rp 775,957) (refer to Note 12j).
25. SIMPANAN DARI NASABAH - DEPOSITO BERJANGKA 25. 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
2014 2013 2012
Pihak berelasi Related parties
Rupiah 129,742 74,168 156,613 Rupiah
Dolar Amerika Serikat 24,592 19,797 21,752 United States Dollar
Mata uang asing lainnya 93 97 79 Other foreign currencies
154,427 94,062 178,444
Pihak ketiga Third parties
Rupiah 73,172,004 69,563,305 65,392,153 Rupiah
Dolar Amerika Serikat 22,752,841 21,723,792 19,623,332 United States Dollar Mata uang asing lainnya 253,212 330,241 170,444 Other foreign currencies
96,178,057 91,617,338 85,185,929 96,332,484 91,711,400 85,364,373
2014 2013 2012
< 1 bulan 35,234,156 24,444,112 29,390,555 < 1 month
> 1 - < 3 bulan 21,740,275 29,523,166 27,380,114 > 1 - < 3 months
> 3 - < 6 bulan 16,080,605 17,565,784 13,354,600 > 3 - < 6 months
> 6 - < 12 bulan 9,057,858 9,235,379 13,523,312 > 6 - < 12 months
> 12 bulan 14,219,590 10,942,959 1,715,792 > 12 months
96,332,484 91,711,400 85,364,373
2014 2013 2012
< 1 bulan 58,359,994 54,881,502 55,174,100 < 1 month
> 1 - < 3 bulan 19,502,769 19,666,603 16,225,114 > 1 - < 3 months
> 3 - < 12 bulan 12,788,970 12,804,751 12,096,766 > 3 - < 12 months
> 1 - < 5 tahun 5,626,330 4,261,461 1,743,222 > 1 - < 5 years
> 5 tahun 54,421 97,083 125,171 > 5 years
96,332,484 91,711,400 85,364,373
(lanjutan) (continued) Pada tanggal 31 Desember 2014, deposito berjangka
berdasarkan prinsip perbankan syariah adalah Rp 3.893.218 (2013: Rp 4.130.564; 2012: Rp 5.228.261).
As at 31 December 2014, time deposit based on sharia banking principles amounted to Rp 3,893,218 (2013:
Rp 4,130,564; 2012: Rp 5,228,261).
Deposito berjangka dari pihak berelasi diungkapkan dalam Catatan 48. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 53 dan 55.
Time deposits from related parties are disclosed in Note 48. Information in respect to interest rates and maturities are disclosed in Notes 53 and 55.
Pada tanggal 31 Desember 2014, deposito berjangka sebesar Rp 8.353.874 dijadikan jaminan kredit yang diberikan Bank CIMB Niaga (2013: Rp 6.798.723; 2012:
Rp 9.088.847) (lihat Catatan 12j).
As at 31 December 2014, time deposits amounting to Rp 8,353,874 was pledged as collateral for the loans granted by Bank CIMB Niaga (2013:Rp 6,798,723; 2012:
Rp 9,088,847) (refer to Note 12j).
26. SIMPANAN DARI BANK LAIN – GIRO DAN TABUNGAN 26. DEPOSITS FROM OTHER BANKS – DEMAND AND