Obligasi I Obligasi I Bank CIMB Niaga Tahun 2011 dengan
24. SIMPANAN DARI NASABAH – TABUNGAN DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS Berdasarkan mata uang, pihak berelasi, dan pihak
Pada tanggal 30 Juni 2016, giro yang didasarkan pada prinsip perbankan syariah adalah Rp 1.152.616 (31 Desember 2015: Rp 781.331).
As at 30 June 2016, current account based on sharia banking principles amounted to Rp 1,152,616 (31 December 2015: Rp 781,331).
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 30 Juni 2016, giro sebesar Rp 36.638 dijadikan jaminan atas kredit yang diberikan Bank (31 Desember 2015: Rp 66) (lihat Catatan 12k).
As at 30 June 2016, demand deposits amounted to Rp 36,638 was pledged as collateral for the loans granted by the Bank (31 December 2015: Rp 66) (refer to Note 12k).
Terkait dengan ketentuan nilai penjaminan simpanan dari
nasabah – giro, lihat Catatan 24. Related to the amount of deposit guaranteed regulation of deposit from customer – demand deposits, refer to Note 24.
24. SIMPANAN DARI NASABAH – TABUNGAN 24. DEPOSITS FROM CUSTOMERS - SAVING DEPOSITS Berdasarkan mata uang, pihak berelasi, dan pihak
ketiga By currency, related parties, and third parties
30 Juni/
June 2016 December 2015
Pihak berelasi Related parties
Rupiah 121,264 66,528 Rupiah
Dolar Amerika Serikat 7,133 419,196 United States Dollar
Mata uang asing lainnya - 85 Other foreign currencies 128,397
485,809
Pihak ketiga Third parties
Rupiah 29,445,359 25,697,153 Rupiah
Dolar Amerika Serikat 15,234,939 13,547,606 United States Dollar
Mata uang asing lainnya 623,333 713,035 Other foreign currencies
45,303,631
39,957,794 45,432,028
40,443,603 31 Desember/
30 Juni/
June 2016 December 2015
Pihak berelasi Related parties
Rupiah 39,275 50,471 Rupiah
Dolar Amerika Serikat 10,027 4,921 United States Dollar
Mata uang asing lainnya 5,292 3,731 Other foreign currencies 54,594
59,123
Pihak ketiga Third parties
Rupiah 40,932,276 36,160,537 Rupiah
Dolar Amerika Serikat 5,652,115 5,841,617 United States Dollar
Mata uang asing lainnya 1,136,524 1,061,836 Other foreign currencies
47,720,915
43,063,990 31 Desember/
(continued) Berdasarkan mata uang, pihak berelasi, dan pihak ketiga
(lanjutan) By currency, related parties, and third parties
(continued) Tabungan dari pihak berelasi diungkapkan dalam
Catatan 48. Informasi mengenai tingkat suku bunga dan jatuh tempo diungkapkan pada Catatan 53 dan 55.
Saving deposits from related parties is disclosed in Note 48. Information in respect of interest rates and maturities are disclosed in Notes 53 and 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.
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 22 Juni 2016, berdasarkan Surat Edaran LPS No. 11 Tahun 2016, simpanan nasabah dijamin hanya jika suku bunganya sama dengan atau dibawah 6,75% untuk simpanan dalam Rupiah dan 0,75%
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 2015, 2014 and 2013, the amount of deposits covered by LPS is customer deposits up to Rp 2,000 per depositor per bank. As at 22 June 2016, based on LPS’s Circular Letter No. 11 Year 2016, deposit from customers are covered only if the rate of interest is equal to or below 6.75% for deposits denominated in Rupiah and 0.75% for deposits denominated in foreign currencies.
Pada tanggal 30 Juni 2016 dan 31 Desember 2015, Bank CIMB Niaga adalah peserta dari program penjaminan tersebut.
As at 30 June 2016 and 31 December 2015, Bank CIMB Niaga was a participant of the guarantee program.
Pada tanggal 30 Juni 2016, tabungan didasarkan pada prinsip perbankan syariah adalah Rp 3.910.345 (31 Desember 2015: Rp 2.857.597).
As at 30 June 2016, saving deposit based on sharia banking principles amounted to Rp 3,910,345 (31 December 2015:
Rp 2,857,597).
Pada tanggal 30 Juni 2016, tabungan sebesar Rp 187.697 dijadikan jaminan atas kredit yang diberikan
Bank (31 Desember 2015: Rp 99.315) (lihat Catatan 12k).
As at 30 June 2016, saving deposits amounted to Rp 187,697 was pledged as collateral for the loans granted by the Bank (31 December 2015: Rp 99,315) (refer to Note 12k).
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
Pada tanggal 30 Juni 2016, deposito berjangka berdasarkan prinsip perbankan syariah adalah Rp 4.298.269 (31 Desember 2015: Rp 3.945.690).
As at 30 June 2016, time deposit based on sharia banking principles amounted to Rp 4,298,269 (31 December 2015:
Rp 3,945,690).
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.
30 Juni/
June 2016 December 2015
Pihak berelasi Related parties
Rupiah 174,732 138,173 Rupiah
Dolar Amerika Serikat 7,108 16,354 United States Dollar
Mata uang asing lainnya 8,553 605 Other foreign currencies
190,393
155,132
Pihak ketiga Third parties
Rupiah 76,574,577 83,930,269 Rupiah
Dolar Amerika Serikat 9,205,708 10,734,807 United States Dollar
Mata uang asing lainnya 114,682 146,153 Other foreign currencies
85,894,967
94,811,229 86,085,360
94,966,361 31 Desember/
30 Juni/
June 2016 December 2015
< 1 bulan 19,695,112 28,253,790 < 1 month
> 1 - < 3 bulan 19,280,264 28,771,941 > 1 - < 3 months
> 3 - < 6 bulan 24,399,506 17,326,407 > 3 - < 6 months
> 6 - < 12 bulan 9,756,595 6,950,082 > 6 - < 12 months
> 12 bulan 12,953,883 13,664,141 > 12 months
86,085,360
94,966,361 31 Desember/
30 Juni/
June 2016 December 2015
< 1 bulan 44,934,857 55,826,396 < 1 month
> 1 - < 3 bulan 23,306,444 22,795,965 > 1 - < 3 months
> 3 - < 12 bulan 11,563,655 10,106,086 > 3 - < 12 months
> 1 - < 5 tahun 6,225,638 6,118,175 > 1 - < 5 years
> 5 tahun 54,766 119,739 > 5 years
86,085,360
94,966,361 31 Desember/
(lanjutan) (continued)
c. Berdasarkan jatuh tempo (lanjutan) c. By maturity (continued) Pada tanggal 30 Juni 2016, deposito berjangka sebesar
Rp 5.287.802 dijadikan jaminan kredit yang diberikan Bank CIMB Niaga (31 Desember 2015: Rp 7.534.123) (lihat Catatan 12k).
As at 30 June 2016, time deposits amounting to Rp 5,287,802 was pledged as collateral for the loans granted by Bank CIMB Niaga (31 December 2015:
Rp 7,534,123) (refer to Note 12k).
Terkait dengan ketentuan nilai penjaminan simpanan dari
nasabah – deposito berjangka, lihat Catatan 24. Related to the amount of deposit guaranteed regulation of deposit from customer – time deposits, refer to Note 24.
26. SIMPANAN DARI BANK LAIN – GIRO DAN TABUNGAN 26. DEPOSITS FROM OTHER BANKS – DEMAND AND