PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Desember 2008 dan 2007 (Diaudit)
CONSOLIDATED FINANCIAL STATEMENTS as of December 31, 2008 and 2007 (Audited)
(dalam jutaan rupiah) No
(in million rupiah) POS - POS
BANK 2008
1. 2.
3.
4.
5.
6.
7.
8.
9.
10.
11. 12. 13. 14. 15. 16. 17. 18. 19. 20.
AKTIVA Kas Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya Giro pada bank lain a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Penempatan pada bank lain a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain PPA - Penempatan pada bank lain -/b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPA - Penempatan pada bank lain -/Surat berharga yang dimiliki Rupiah a. Diperdagangkan i. Pihak terkait dengan bank ii. Pihak lain b. Tersedia untuk dijual i. Pihak terkait dengan bank ii. Pihak lain c. Dimiliki hingga jatuh tempo i. Pihak terkait dengan bank ii. Pihak lain PPA - Surat berharga yang dimiliki -/Valuta asing a. Diperdagangkan i. Pihak terkait dengan bank ii. Pihak lain b. Tersedia untuk dijual i. Pihak terkait dengan bank ii. Pihak lain c. Dimiliki hingga jatuh tempo i. Pihak terkait dengan bank ii. Pihak lain PPA - Surat berharga yang dimiliki -/Obligasi Pemerintah a. Diperdagangkan b. Tersedia untuk dijual c. Dimiliki hingga jatuh tempo Tagihan atas surat berharga yang dibeli dengan janji dijual kembali ( reverse repo) a. Rupiah b. Valuta asing PPA-Surat berharga yg dibeli dengan janji dijual kembali (reverse repo)-/Tagihan derivatif i. Pihak terkait dengan bank ii. Pihak lain PPA - Tagihan derivatif -/Kredit yang diberikan a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain PPA - Kredit yang diberikan -/b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPA - Kredit yang diberikan -/Tagihan akseptasi i. Pihak terkait dengan bank ii. Pihak lain PPA - Tagihan akseptasi -/Penyertaan PPA - Penyertaan -/Pendapatan yang masih akan diterima Biaya dibayar dimuka Uang muka pajak Aktiva pajak tangguhan Aktiva tetap Akumulasi penyusutan aktiva tetap -/Properti terbengkalai PPA - Properti terbengkalai -/Aktiva sewa guna usaha Akumulasi penyusutan aktiva sewa guna usaha -/Agunan yang diambil alih PPA - Agunan yang diambil alih Aktiva lain-lain
CONSOLIDATED 2007
2008
1,226,208
702,659
1,226,225
2,075,173 6,599,701 1,383,579
2,606,797 3,689,723 -
2,075,173 6,629,701 1,383,579
26 69,964
49 63,479
26 72,527
365,282 269,118
53,283 102,424
365,282 273,056
(699)
(647)
62,056 (699)
378,536 (10,129)
234,825 (6,157)
410,221 (10,129)
-
7,014
1
22,588
157,698
22,638
5,389 (260)
16,343 168,655 (3,496)
5,389 (260)
-
-
-
82,392
393,224
82,392
(9,302) 11,899 2,055,565 -
(6,286) 471,469 1,649,272 -
(9,302) 11,899 2,070,892 -
-
-
3,957 (1,562)
469,687
725 11,367
469,687
(63,112)
(121)
(63,112)
172,723 30,003,316 (1,114,014)
39,726 22,928,622 (1,062,862)
172,723 30,005,340 (1,114,014)
1,428 4,673,338 (216,141)
71,528 3,414,626 (101,812)
1,428 4,673,338 (216,141)
305 1,191,221 (19,413) 108,899 (1,452) 227,776 92,408 381,704 1,646,718 (378,488) 42,173 (5,961) 173,716 (18,756) 2,066,722
247,442 (5,126) 109,134 (1,454) 191,204 70,593 326,602 1,550,242 (258,890) 58,054 (8,708) 291,882 (20,447) 1,031,049
305 1,191,221 (19,413) 1,859 (1,452) 228,423 92,480 239 385,527 1,656,458 (384,424) 42,173 (5,961) 173,716 (18,756) 2,122,271
39,183,704
54,066,977
JUMLAH AKTIVA 53,959,827 *Sesuai dengan ketentuan transisi PSAK no. 16 (Revisi 2007) "Aset Tetap" yang berlaku efektif sejak tanggal 1 January 2008, Bank mereklasifikasi seluruh saldo selisih penilaian kembali aktiva tetap ke akun defisit.
DESCRIPTIONS
2007
ASSETS 702,666 Cash Placements with Bank Indonesia 2,606,797 a. Current Accounts with Bank Indonesia 3,719,723 b. Certificates of Bank Indonesia - c. Others Current Accounts with Other Banks a. Rupiah 49 i. Related Parties 68,676 ii. Third Parties b. Foreign Currencies 53,283 i. Related Parties 105,944 ii. Third Parties Placements with Other Banks a. Rupiah i. Related Parties 52,198 ii. Third Parties (647) Less Allowance for Losses -/b. Foreign Currencies i. Related Parties 261,875 ii. Third Parties (6,157) Less Allowance for Losses -/Trading Account Securities Held Rupiah a. Trading i. Related Parties 9,548 ii. Third Parties b. Available for Sale i. Related Parties 157,698 ii. Third Parties c. Held to Maturity 16,343 i. Related Parties 168,655 ii. Third Parties (3,496) Less Allowance for Losses -/Foreign Currencies a. Trading i. Related Parties ii. Third Parties b. Available for Sale i. Related Parties 393,224 ii. Third Parties c. Held to Maturity i. Related Parties ii. Third Parties (6,286) Less Allowance for Losses -/- Government Bonds* 471,469 a. Trading 1,659,143 b. Available for Sale - c. Held to Maturity Securities Purchased under Agreement to Resell (Reverse Repo) 16,784 a. Rupiah - b. Foreign Currencies - Less Allowance for Losses -/Derivative Receivables 725 i. Related Parties 11,367 ii. Third Parties (121) Less Allowance for Losses -/Loans a. Rupiah 39,726 i. Related Parties 22,927,854 ii. Third Parties (1,062,862) Less Allowance for Losses -/b. Foreign Currencies 71,528 i. Related Parties 3,414,626 ii. Third Parties (101,812) Less Allowance for Losses -/Acceptance Receivables i. Related Parties 247,442 ii. Third Parties (5,126) Less Allowance for Losses -/1,538 Investments in Shares of Stock (1,454) Less Allowance for Losses -/191,550 Accrued Interest Receivables 70,659 Prepaid Expenses 158 Prepaid Tax 331,322 Deferred Income Tax 1,558,329 Premises And Equipment (263,675) Accumulated Depreciation -/58,054 Abandoned Property (8,708) Less Allowance for Losses -/- Assets Under Capital Lease - Accumulated Depreciation -/291,882 Real and chattel properties (20,447) Accumulated Real and chattel properties -/1,103,683 Other Assets 39,303,727 TOTAL ASSETS Pursuant to the transition PSAK no. 16 (Revision of 2007) 'fixed asset" which is effective as of 1 January 2008, the bank reclassifies all the balance of fixed asset revaluation variance to the deficit account.
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Desember 2008 dan 2007 (Diaudit)
CONSOLIDATED FINANCIAL STATEMENTS as of December 31, 2008 and 2007 (Audited)
(dalam jutaan rupiah) No
(Rupiah in million) POS - POS
BANK 2008
PASIVA 1. Giro a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain 2. Kewajiban segera lainnya 3. Tabungan i. Pihak terkait dengan bank ii. Pihak lain 4. Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain 5. Sertifikat deposito a. Rupiah b. Valuta asing 6. Simpanan dari bank lain i. Pihak terkait dengan bank ii. Pihak lain 7. Kewajiban pembelian kembali surat berharga yang dijual dengan syarat repo 8. Kewajiban derivatif i. Pihak terkait dengan bank ii. Pihak lain 9. Kewajiban akseptasi i. Pihak terkait dengan bank ii. Pihak lain 10. Surat berharga yang diterbitkan a. Rupiah b. Valuta asing 11. Pinjaman yang diterima a. Fasilitas pendanaan jangka pendek Bank Indonesia b. Lainnya i. Rupiah - Pihak terkait dengan bank - Pihak lain ii. Valuta asing - Pihak terkait dengan bank - Pihak lain 12. Estimasi kerugian komitmen & kontinjensi i. Pihak terkait dengan bank ii. Pihak lain 13. Kewajiban sewa guna usaha 14. Beban yang masih harus dibayar 15. Taksiran pajak penghasilan 16. Kewajiban pajak tangguhan 17. Kewajiban lain-lain 18. Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain 19. Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain 20. Hak minoritas 21. Ekuitas a. Modal disetor b. Agio ( Disagio ) c. Uang muka setoran modal d. Modal sumbangan e. Cadangan dividen yang belum diambil pemegang saham f. Selisih penjabaran laporan keuangan g. Selisih penilaian kembali aktiva tetap *) h. Laba ( rugi ) yang belum direalisasi dari surat berharga i. Pendapatan komprehensif lainnya j. Saldo laba ( rugi ) JUMLAH PASIVA
DESCRIPTIONS
CONSOLIDATED 2008 2007
2007
831,621 5,619,525
760,485 4,944,074
827,599 5,619,525
756,427 4,944,074
373,025 2,565,494 2,691,206
52,781 1,937,429 1,142,428
372,436 2,565,494 2,723,583
50,294 1,937,429 1,163,582
35,464 7,011,796
33,906 7,302,020
35,464 7,011,796
33,906 7,302,020
2,296,432 21,382,698
1,368,928 11,632,000
2,282,043 21,382,698
1,362,673 11,632,000
398,353 2,288,607
119,315 1,941,251
383,187 2,288,607
111,468 1,941,251
-
5 -
-
5 -
36,273 243,495 -
83,709 921,140 -
36,273 243,495 -
83,709 921,140 -
250 451,837
533 13,104
250 451,837
533 13,104
228,493 588,378
15,164 232,279
228,493 588,378
15,164 232,279
-
-
-
-
-
-
-
-
324,500
457,697
324,500
457,697
75,878 87,262
251,566
75,878 87,262
251,566
790 20,638 153,042 88,395 1,377,713
944 22,898 53,073 105,328 1,388,972
790 20,638 152,967 88,926 1,421,363
944 22,898 53,029 105,616 1,448,568
500,000
500,000
500,000
500,000 -
LIABILITIES & STOCKHOLDERS' EQUITY Demand Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Currencies i. Related Parties ii. Third Parties Current Liabilities Savings i. Related Parties ii. Third Parties Time Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Currencies i. Related Parties ii. Third Parties Certificates of Deposit a. Rupiah b. Foreign Currencies Deposits from Other Banks i. Related Parties ii. Third Parties Securities Sold under Repurchase Agreement (Repo) Derivative Payables i. Related Parties ii. Third Parties Acceptances Payables i. Related Parties ii. Third Parties Trading Account Securities Issued a. Rupiah b. Foreign Currencies Fund Borrowings a. Short Term Funding Facilities from Bank Indonesia b. Others i. Rupiah - Related Parties - Third Parties ii. Foreign Currencies - Related Parties - Third Parties Estimated Losses on Commitments and Contingencies i. Related Parties ii. Third Parties Liabilities under Capital Lease Accrued Interest Taxes Payable Deferred Income Tax Other Liabilities Subordinated Loans a. Related Parties b. Third Parties Loan Capital a. Related Parties
-
-
-
-
-
64,833
1,300,534 5,826,978 128 (66,797) (2,772,181)
1,300,534 5,826,979 128 501,379 (375) (3,725,970)
1,300,534 5,826,978 128 (66,797) (2,772,181)
- b. Third Parties 59,677 Minority Interests in Net Assets of Consolidated Subsidiaries Stockholders' Equity 1,300,534 a. Capital Stock 5,826,978 b. Additional paid in capital in excess of par value - net - c. Prepaid Up Capital - d. Donated Capital 128 e. Appropriation retained earnings-unclaimed dividend - f. Translation adjustment in Financial Statement 501,379 g. Increment from revaluation of Fixed Assets (375) h. Unrealized Gains/Losses of Securities - i. Other Comprehensive Incomes (3,725,970) j. Retained Earnings (deficit)
53,959,827
39,183,704
54,066,977
39,303,727
TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN LABA - RUGI DAN SALDO LABA KONSOLIDASI Untuk Tahun Yang Berakhir Pada Tanggal 31 Desember 2008 dan 2007 (Diaudit) (dalam jutaan rupiah) No
CONSOLIDATED STATEMENTS OF INCOMES For Period of January 1 to December 31, 2008 and 2007 (Audited) (Rupiah in million)
POS - POS
BANK 2008
1.
2.
3.
4. 5 6
7 8 9 10 11
12 13 14 15 16 17 * ** ***
PENDAPATAN DAN BEBAN OPERASIONAL Pendapatan Bunga 1.1. Hasil bunga a. Rupiah b. Valuta asing 1.2. Provisi dan komisi a. Rupiah b. Valuta asing Jumlah Pendapatan Bunga Beban Bunga 2.1. Beban bunga a. Rupiah b. Valuta asing 2.2. Komisi dan provisi Jumlah Beban Bunga Pendapatan Bunga Bersih Pendapatan Operasional Lainnya 3.1. Pendapatan provisi, komisi dan fee 3.2. Pendapatan transaksi valuta asing* 3.3. Pendapatan kenaikan nilai surat berharga** 3.4. Pendapatan premi 3.5. Pendapatan lainnya
2007
CONSOLIDATED 2008 2007
DESCRIPTIONS OPERATING INCOME AND EXPENSES Interest Income 1.1. Interests a. Rupiah b. Foreign Currencies 1.2. Fees and Commissions a. Rupiah b. Foreign Currencies Total Interest Income Interest Expense 2.1. Interests a. Rupiah b. Foreign Currencies 2.2. Fees and Commissions Total Interest Expense Interest Income - Net Other Operating Income 3.1. Provisions, commissions and fees 3.2. Gain on Foreign Exchange - Net* 3.3. Gain on valuation of trading account securities ** 3.4. Premiums earned 3.5. Other Income
3,944,779 369,544
3,410,257 299,268
3,956,148 375,908
3,420,820 301,682
480,220 29,232 4,823,775
351,514 22,137 4,083,176
480,220 29,232 4,841,508
351,514 22,137 4,096,153
2,128,940 135,488 6,313 2,270,741 2,553,034
1,640,622 92,054 10,403 1,743,079 2,340,097
2,126,117 135,352 6,313 2,267,782 2,573,726
1,639,976 91,599 10,403 1,741,978 2,354,175
385,260 198,230 10,419 54,000
321,346 50,774 (4,460) 638,415
388,364 196,186 10,437 41,331 48,684
323,308 50,744 (4,390) 41,993 622,802
Jumlah Pendapatan Operasional Lainnya
647,909
1,006,075
685,002
1,034,457 Total Other Operating Income
Beban (Pendapatan) Penyisihan Penghapusan Aktiva Beban (Pendapatan) Estimasi Kerugian Komitmen & Kontinjensi Beban Operasional Lainnya 6.1. Beban administrasi dan umum 6.2. Beban personalia 6.3. Beban penurunan nilai surat berharga 6.4. Beban transaksi valuta asing 6.5. Beban promosi 6.6. Beban lainnya Jumlah Beban Operasional Lainnya
351,093 (3,836)
402,821 16,934
356,844 (3,836)
785,589 922,019 109,140 431,453 2,248,201
794,200 965,104 116,286 278,889 2,154,479
791,141 940,858 109,791 442,985 2,284,775
403,040 Provision for Losses on Assets 16,934 Provision (Reversal of Allowance) for Losses on Comm and Cont Other Operating Expenses 797,949 6.1. General and Administrative 981,772 6.2. Salaries and employees' Benefits - 6.3. Loss on valuation of trading account securities - 6.4. Loss on Foreign Exchange 116,867 6.5. Promotion Expenses 291,394 6.6. Others 2,187,982 Total Other Operating Expenses
605,485
771,938
620,945
780,676 INCOME FROM OPERATIONS
211,443 77,257 134,186 739,671
181,078 231,344 (50,266) 721,672
211,049 77,257 133,792 754,737
186,909 230,788 (43,879) 736,797
316,547 (29,285) 452,409 (3,224,590) (2,772,181) 58.43
305,408 (82,760) 499,024 (4,224,994) (3,725,970) 64.45
321,867 (28,389) 461,259 8,850 (3,224,590) (2,772,181) 58.43
310,233 (82,347) 508,911 9,887 (4,224,994) (3,725,970) 64.45
LABA OPERASIONAL PENDAPATAN DAN BEBAN NON OPERASIONAL Pendapatan Non Operasional Beban Non Operasional Pendapatan ( Beban ) Non Operasional Pendapatan/Beban Luar Biasa LABA/RUGI SEBELUM PAJAK PENGHASILAN Taksiran Pajak Penghasilan -/Tahun berjalan Ditangguhkan *** LABA/RUGI TAHUN BERJALAN Hak Minoritas -/Saldo Laba (Rugi) Awal Tahun Dividen Lainnya SALDO LABA ( RUGI ) AKHIR TAHUN LABA BERSIH PER SAHAM ( dalam satuan Rupiah ) Meliputi pendapatan & beban transaksi valuta asing serta selisih kurs Meliputi kenaikan dan penurunan nilai surat berharga Disajikan sebagai bagian dari Taksiran Pajak Penghasilan
Non-Operating Income Non-Operating Expenses Non-Operating Income(Expense) - Net Extraordinary Gain/Loss INCOME BEFORE TAX EXPENSE (INCOME) Tax Expense (income) -/Current Period Deferred PROFIT/LOSS CURRENT PERIOD Minority Interests in Net Earnings of Consolidated Subsidiaries -/Retained Earnings (deficit) at beginning of period Dividend -/Others Retained Earnings at End of Period NET INCOME PER SHARE (full amount IDR) *Including income and expense from foreign exchange transactions **Including gain and loss in marketable securities *** Part of provision of income tax
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN RASIO KEUANGAN Per 31 Desember 2008 dan 2007 (Diaudit)
FINANCIAL RATIO as of December 31, 2008 and 2007 (Audited) BANK
No. I.
II.
III.
IV. V.
RASIO ( % ) Permodalan 1. CAR dengan risiko kredit 2. CAR dengan risiko pasar 3. Aktiva tetap terhadap modal Aktiva Produktif 1. Aktiva produktif bermasalah 2. PPA produktif terhadap aktiva produktif 3. Pemenuhan PPA produktif 4. Pemenuhan PPA non produktif 5. NPL - Gross 6. NPL - Net Rentabilitas 1. ROA 2. ROE 3. NIM 4. BOPO Likuiditas LDR Kepatuhan (Compliance) 1. a. Persentase Pelanggaran BMPK a. 1. Pihak Terkait a. 2. Pihak Tidak Terkait b. Persentase Pelampauan BMPK b. 1. Pihak Terkait b. 2. Pihak Tidak Terkait 2. GWM Rupiah 3. PDN
2008
2007
11.1% 10.8% 39.0%
14.0% 13.3% 40.4%
2.5% 2.9% 142.4% 100.0% 3.5% 1.1%
3.5% 3.4% 117.8% 100.0% 4.6% 1.5%
1.7% 12.4% 6.2% 88.9%
1.9% 18.1% 7.0% 84.8%
81.8%
88.0%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0% 5.2% 1.8%
0.0% 0.0% 8.3% 10.1%
PENGURUS BANK
RATIO ( % ) I. CAPITAL 1. CAR WITH CREDIT RISK 2. CAR WITH MARKET RISK 3. FIXED ASSETS TO CAPITAL II. EARNING ASSETS 1. NON-PERFORMING EARNING ASSETS 2. ALLOWANCE FOR LOSSES ON EARNING ASSETS TO EARNING ASSETS 3. ALLOWANCE FOR LOSSES ON EARNING ASSETS TO REQ ALLOW 4. ALLOWANCE FOR LOSSES ON NON EARNING ASSETS TO REQ ALLOW 5. NPL GROSS 6. NPL NET III. RENTABILITY 1. ROA 2. ROE 3. NIM 5. BOPO IV. LIQUIDITY 1. Loan To Deposit Ratio ( LDR ) V. COMPLIANCE 1. A. PERCENTAGE VIOLATION OF LEGAL LENDING LIMIT a. 1. Related Parties a. 2. Third Parties B. PERCENTAGE EXCESS OF LEGAL LENDING LIMIT b. 1. Related Parties b. 2. Third Parties 2. Reserve Requirement (Rupiah) 3. Net Open Position PEMILIK BANK
Dewan Komisaris - Komisaris Utama
Raymond John Ferguson
PT Astra International Tbk
44,505%
- Wakil Komisaris Utama
Gunawan Geniusahardja
Standard Chartered Bank
44,505%
- Komisaris Independen - Komisaris Independen
DR. Ir. Lukita Dinarsyah Tuwo Drs. Inget Sembiring
Publik Jumlah
10,990% 100,00%
- Komisaris Independen
I. Supomo
- Komisaris Independen
Peter B. Stok
- Komisaris
David Allen Worth
- Komisaris
Mark Spencer Greenberg
Direksi - Direktur Utama
Stewart Donald Hall
- Direktur Kepatuhan
Herwidayatmo
- Direktur
Joseph Georgino Godong
- Direktur
Giridhar Srinivasaraghava Varadachari
- Direktur - Direktur
Guy Roland Isherwood Honggo Widjojo Kangmasto
- Direktur
Sulistiawati (Lauren Sulistiawati)
- Direktur
Moh. Effendi Ibnoe
PT BANK PERMATA TBK
PT BANK PERMATA TBK
K U A L I T A S A K T I V A P R O D U K T I F DAN I N F O R M A S I L A I N N Y A Per 31 Desember 2008 dan 2007 (Diaudit) (dalam jutaan rupiah) No
EARNING ASSETS QUALITY as of December 31, 2008 and 2007 (Audited) (Rupiah in million) BANK
POS-POS
DESCRIPTIONS
2008 L
DPK
KL
2007 D
M
Jumlah
L
DPK
KL
D
M
Jumlah
I.
Pihak Terkait
727,380
-
-
-
-
727,380
385,955
-
-
-
-
385,955 Related Parties
A. 1. 2. 3.
5. 6.
Aktiva produktif Penempatan pada bank lain Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit Tagihan lain kepada pihak ketiga Komitmen dan Kontinjensi kepada pihak ketiga
727,380 365,613 174,151 19,424 19,424 154,727 108,100 108,100 79,516
-
-
-
-
727,380 365,613 174,151 19,424 19,424 154,727 108,100 108,100 79,516
385,955 66,960 3,343 111,254 111,254 108,336 108,336 97 95,965
-
-
-
-
385,955 66,960 3,343 111,254 111,254 108,336 108,336 97 95,965
B. 1. 2. 3.
Aktiva non produktif Properti terbengkalai Agunan yang diambil alih Rekening antar kantor dan suspense account
-
-
-
-
-
-
-
-
-
-
-
-
4.
Earning Assets Interbank Placement Securities Loan to Third Parties a. Smale Scale Business Credit (KUK) b. Property Loans i. Restruktured ii. Unrestruktured c. Other Restruktured Loan d. Others Equity Participation to Third Parties a. In non Bank Financial Institution b. For Debt Restrukturing Purposes (from loan restructuring) Other Claims to Third Parties Commitments and Contingencies to Third Parties Non Earning Assets Abandoned property Foreclosed Assets Inter Office and Suspense account
II.
Pihak Tidak Terkait
45,514,449
2,813,558
387,267
506,464
513,454
49,735,192
32,358,865
1,590,982
352,092
110,383
968,501
35,380,823 Non Related Parties
A. 1. 2. 3.
Aktiva produktif Penempatan pada bank lain Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit Tagihan lain kepada pihak ketiga Komitmen dan Kontinjensi kepada pihak ketiga
45,443,971 838,805 10,093,028 31,137,189 311,430 6,121,859 7,049 6,114,810 64,350 24,639,550 737 737 1,289,588 2,084,624
2,813,558 59,362 2,340,417 40,792 389,637 777 388,860 32,893 1,877,095 391,933 21,846
222,489 222,489 3,165 84,958 330 84,628 52,901 81,465 -
506,464 505,814 2,704 5,719 5,719 408,953 88,438 650
511,651 3,017 8,368 500,204 28,358 67,854 67,854 84,996 318,996 62 62 -
49,498,133 841,822 10,160,758 34,706,113 386,449 6,670,027 8,156 6,661,871 644,093 27,005,544 799 799 1,681,521 2,107,120
32,183,542 685,188 6,216,099 23,644,846 430,431 4,263,875 8,769 4,255,106 127,528 18,823,012 737 737 218,062 1,418,610
1,590,982 60,233 1,523,950 139,919 222,536 816 221,720 75,311 1,086,184 3,103 3,696
157,720 131,553 2,079 2,792 2,792 20,684 105,998 18,364 7,803
110,383 110,383 2,967 5,091 5,091 33,829 68,496 -
964,991 3,017 961,912 23,441 90,355 3,546 86,809 478,900 369,216 62 62 -
35,007,618 688,205 6,276,332 26,372,644 598,837 4,584,649 13,131 4,571,518 736,252 20,452,906 799 799 239,529 1,430,109
Earning Assets Interbank Placements Securities to Bank Indonesia and Third Parties Loan to Third Parties a. Smale Scale Business Credit (KUK) b. Property Loans i. Restruktured ii. Unrestruktured c. Other Restruktured Loan d. Others Equity Participation to Third Parties a. In non Bank Financial Institution b. For Debt Restrukturing Purposes (from loan restructuring) Other Claims to Third Parties Commitments and Contingencies to Third Parties
B. 1. 2. 3.
Aktiva non produktif Properti terbengkalai Agunan yang diambil alih Rekening antar kantor dan suspense account JUMLAH
70,478 2,433 48,678 19,367 46,241,829
2,813,558
164,778 39,740 125,038 387,267
506,464
1,803 1,803 513,454
237,059 42,173 173,716 21,170 50,462,572
175,323 155,566 19,757 32,744,820
1,590,982
194,372 58,054 136,318 352,092
110,383
3,510 3,510 968,501
373,205 58,054 291,884 23,267 35,766,778
Non Earning Assets Abandoned property Foreclosed Assets Inter Office and Suspense account TOTAL
1.
a. PPA Produktif yang wajib dibentuk b. PPA non Produktif yang wajib dibentuk c. Total PPA yang wajib dibentuk a. PPA Produktif yang telah dibentuk b. PPA non Produktif yang telah dibentuk c. Total PPA yang telah dibentuk Total asset bank yang dijaminkan : a. Pada Bank Indonesia b. Pada pihak lain Persentase KUK terhadap total kredit Persentase jumlah debitur KUK terhadap total debitur Persentase UMKM terhadap total kredit Persentase jumlah debitur UMKM terhadap total debitur
340,518 340,518 347,111 347,111
120,662 120,662 243,404 243,404
13,461 24,716 38,177 93,731 24,716 118,447
244,918 244,918 427,428 427,428
302,963 1,803 304,766 344,284 1,803 346,087
1,022,522 26,519 1,049,041 1,455,958 26,519 1,482,477 1.11% 0.35% 43.36% 89.13%
253,687 253,687 326,146 326,146
61,680 61,680 79,231 79,231
19,143 29,156 48,299 44,141 29,156 73,297
40,347 40,347 60,366 60,366
653,577 3,586 657,163 701,919 3,586 705,505
1,028,434 32,742 1,061,176 1,211,803 32,742 1,244,545 2.26% 1.84% 44.23% 79.88%
4.
5. 6.
2.
3.
4. 5. 6. 7.
a. Compulsory Allowance for Earning Asset Losses b. Compulsory Allowance for non Earning Asset Losses c. Total Compulsory Allowance a. Established Allowance for Earning Asset Losses b. Established Allowance for non Earning Asset Losses c. Total Established Allowance Value of Bank's Assets Pledged as Collateral a. To Bank Indonesia b. To Other Parties Percentage of Small Scale Business Credit to Total Credit Percentage of Small Scale Business Credit Debtor to Total Debtor Percentage of UMKM to Total Credit Percentage of UMKM Debtor to Total Debtor
LAPORAN PERUBAHAN EKUITAS KONSOLIDASI Untuk Tahun Yang Berakhir Pada Tanggal 31 Desember 2008 dan 2007 (Diaudit) KONSOLIDASI CONSOLIDATED Unrealized Gain (Loss) from the Change in Fair Value of AvailableIssued and Fully Additional Paid- for-sale Securities Paid-in-Capital in Capital Net
Saldo, 1 Januari 2007 Rugi yang belum direalisasi atas perubahan nilai wajar efek - efek yang tersedia untuk dijual - bersih Laba bersih periode berjalan
Modal Ditempatkan dan Disetor Penuh
Tambahan Modal DisetorBersih
1,300,534
5,826,978
DEFICIT
Laba (Rugi) Yang Belum Direalisasi Atas Perubahan Selisih Nilai Wajar EfekPenilaian Efek Yang Tersedia Kembali Untuk Dijual - Bersih Ativa Tetap 358,047
Stockholders' Equity
Revaluation Increment Appropriation in Premises For Unclaimed Dividend by and Equipment Stockholders
501,379
Cadangan Dividen yang Belum Diambil Pemegang Saham 128
Defisit
Jumlah Ekuitas
(4,224,994)
3,762,072 Balance, 1 Januari 2007 Unrealized loss from the change in fair value of available - for sale marketable securities - net
-
-
(358,421) -
-
-
499,025
(358,421) 499,025 Year to date Net Profit
Saldo, 31 Desember 2007
1,300,534
5,826,978
(374)
501,379
128
(3,725,969)
3,902,676 Balance, 31 December 2007
Saldo, 1 Januari 2008
1,300,534
5,826,978
(374)
501,379
128
(3,725,969)
3,902,676 Balance, 1 Januari 2008
Laba yang belum direalisasi atas perubahan nilai wajar efek - efek yang tersedia untuk dijual - bersih
-
-
(66,423)
Penyesuaian sehubungan dengan penerapan PSAK 16 (Revisi 2007)
-
-
-
Laba bersih periode berjalan Saldo, 31 Desember 2008
Unrealized gain from the change in fair value of available - for sale marketable securities - net
1,300,534
5,826,978
-
(501,379)
-
-
-
-
-
(66,797)
-
128
-
501,379 452,409 (2,772,181)
(66,423)
-
Adjustment related to practices PSAK 16 (revision 2007)
452,409 Year to date Net Profit 4,288,662 Balance, 31 December 2008
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI Per 31 Desember 2008 dan 2007 (Diaudit)
STATEMENT OF COMMITMENTS AND CONTINGENCIES as of December 31, 2008 and 2007 (Audited) (Rupiah in million)
(dalam jutaan rupiah) BANK No
1.
2.
1.
2.
3
POS - POS
3.
1.
2. 3.
DESCRIPTIONS
COMMITMENS
Tagihan Komitmen Fasilitas pinjaman yang diterima dan belum digunakan a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Komitmen
Commitment Receivables Unused Borrowings a. Rupiahs b. Foreign Currencies Others Total Committed Receivables
Kewajiban Komitmen Fasilitas kredit kepada nasabah yang belum ditarik a. Fasilitas kredit (tidak terikat) kepada nasabah yang belum ditarik - pihak ketiga - Rupiah - Valuta asing b. Fasilitas kredit (terikat) kepada nasabah yang belum ditarik - Rupiah - Pihak terkait dengan bank - Pihak lain Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor - Pihak terkait dengan bank - Pihak lain Lainnya
JUMLAH KOMITMEN BERSIH
2.
2007
KOMITMEN
Jumlah Kewajiban Komitmen
1.
2008
CONSOLIDATED 2008 2007
-
-
-
-
COMMITED LIABILITIES Undisbursed Credit Line Undisbursed Credit Line unrelatied parties (third parties) 4,710,084 a. Rupiahs 624,277 b. Foreign Currencies Undisbursed Credit Line - Related Parties
6,800,107 1,758,395
4,710,084 624,277
6,800,107 1,758,395
4,415 698,503
7,168 822,382
4,415 698,503
7,168 822,382
- Related Parties - Other parties
495,584 -
20,573 705,991 -
495,584 -
Outstanding Irrevocable Trade L/C import and exsport 20,573 - Related Parties 705,991 - Other parties - Others
9,757,004
6,890,475
9,757,004
6,890,475 TOTAL COMMITED LIABILITIES
(9,757,004)
(6,890,475)
(9,757,004)
(6,890,475) TOTAL COMMITMENTS-NETT
KONTINJENSI
CONTINGENCIES
Tagihan Kontinjensi Garansi yang diterima a. Rupiah b. Valuta asing Pendapatan bunga dalam penyelesaian a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Kontinjensi
Contingent Receivables Guaranteed Received a. Rupiahs b. Foreign Currencies Interest Income in Setllement Process a. Rupiahs b. Foreign Currencies Others Total Contingent Receivables
Kewajiban Kontinjensi Garansi yang diberikan a. Bank garansi - Rupiah - Pihak terkait dengan bank - Pihak lain - Valuta asing - Pihak terkait dengan bank - Pihak lain b. Lainnya - pihak ketiga Revocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Kontinjensi JUMLAH KONTINJENSI BERSIH
-
-
-
-
184,375 19,653 204,028
148,327 13,861 162,188
184,375 19,653 204,028
148,327 13,861 162,188
12,871 579,427
16,197 593,774
12,871 579,427
16,197 593,774
61,870 323,854 10,112
59,195 127,784 2,561
61,870 323,854 10,112
59,195 127,784 2,561
-
-
-
-
Contingency Liabilities 1. Guarantees Issued in the forms of: a. Bank Guarantees - Rupiah - Related parties - Other parties - Valas - Related parties - Other parties b. Others -third parties 2. Outstanding Revocable Letters of Credit for Import and Export 3. Others
988,134
799,511
988,134
799,511 Total Contingency Liabilities
(784,106)
(637,323)
(784,106)
(637,323) TOTAL NET CONTINGENCIES
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM Per 31 Desember 2008 dan 2007 (Diaudit)
CALCULATION OF CAPITAL ADEQUACY RATIO as of December 31, 2008 and 2007 (Audited)
(dalam jutaan rupiah)
(Rupiah in million) BANK POS - POS
I. KOMPONEN MODAL A. MODAL INTI 1. Modal Disetor 2. Cadangan Tambahan Modal ( Disclosed Reserves ) a. Agio saham b. Disagio ( -/- ) c. Modal sumbangan d. Cadangan umum dan tujuan e. Laba tahun-tahun lalu setelah diperhitungkan pajak f. Rugi tahun-tahun lalu ( -/- ) g. Laba tahun berjalan setelah diperhitungkan pajak ( 50% ) h. Rugi tahun berjalan ( -/- ) * i. Selisih penjabaran laporan keuangan kantor cabang luar negeri 1) Selisih lebih 2) Selisih kurang ( -/- ) j. Dana setoran modal k. Penurunan nilai penyertaan pada portofolio tersedia untuk dijual (-/-)
DESCRIPTIONS
2008
2007
3,788,174 1,300,534 5,655,285 (3,379,207) 211,562 -
2,875,848 1,300,534 5,655,285 (4,288,104) 208,133 -
I. COMPONEN OF CAPITAL A. CORE CAPITAL 1. Paid-up capital 2. Reserve additional capital a. Additional paid in capital in excess of par value - net b. Reduction in par value (-/-) c. Donated capital d. General and appropriated reserves e. Previous years' profits after tax f. Previous years' losses (-/-) g. Current year income after deducting estimated tax (50%) h. Current year loss (-/-)* i. Translation adjustment of overseas branch offices 1) Positive adjustment 2) Negative adjustment j. Funds for paid up capital k. Loss in value of equity participation in portfolio available for sale (-/-)
-
-
3. Goodwill (-/-) 4. Difference value of assets and liabilities which resulted from a quasi Reorganization (-/-)
647,119 -
1,218,778 492,628 -
347,111 300,008
326,146 400,004
B. SUPPLEMENTARY CAPITAL 1. Revaluation increment in premises and equipment 2. Difference value of assets and liabilities which resulted from a quasi Reorganization (-/-) 3. General reserve on provision for losses of earning assets (maximum of 1.25% of RWA) 4. Loan capital 5. Subordinated loan (maximum of 50% of core capital) 6. Gain in value of equity participation in portfolio available for sale (45%)
-
-
C. MODAL PELENGKAP TAMBAHAN YANG MEMENUHI PERSYARATAN
-
-
C. ADDITIONAL SUPPLEMENTARY CAPITAL THAT MEETS THE REQUIREMENTS
D. MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR
-
-
D. ALLOCATION OF ADDITIONAL SUPPLEMENTARY CAPITAL TO ANTICIPATE MARKET RISK
3. Goodwill ( -/- ) 4. Selisih penilaian aktiva dan kewajiban akibat kuasi reorganisasi (-/-) B. MODAL PELENGKAP ( Maks. 100 % dari Modal Inti ) 1. Cadangan revaluasi aktiva tetap 2. Selisih penilaian aktiva dan kewajiban akibat kuasi reorganisasi 3. Cadangan umum Penyisihan Penghapusan Aktiva Produktif/PPAP (maks. 1,25% dari ATMR) 4. Modal pinjaman 5. Pinjaman subordinasi (maks. 50% dari Modal Inti) 6. Peningkatan harga saham pada portofolio tersedia untuk dijual (45%)
II. TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B) III. TOTAL MODAL INTI, MODAL PELENGKAP DAN MODAL PELENGKAP TAMBAHAN YG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR ( A + B + D ) IV. PENYERTAAN ( -/- ) V. TOTAL MODAL UNTUK RISIKO KREDIT( II - IV ) VI. TOTAL MODAL UNTUK RISIKO KREDIT DAN RISIKO PASAR ( III - IV ) VII. AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) KREDIT VIII.AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) PASAR IX. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA UNTUK RISIKO KREDIT ( V:VII ) X. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA UNTUK RISIKO KREDIT DAN RISIKO PASAR (VI:(VII+VIII ) XI. RASIO KELEBIHAN MODAL PELENGKAP TAMBAHAN ((C-D) : (VII + VIII ) XII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG DIWAJIBKAN *) Disajikan dengan tidak memperhitungkan dampak aktiva pajak tangguhan sesuai dengan peraturan Bank Indonesia No.3/21/PBI/2001 tanggal 13 Desember 2001 tentang Kewajiban Penyediaan Modal Minimum Bank Umum.
4,435,293
4,435,293 108,837 4,326,456 4,326,456 39,134,618 1,086,632 11.1% 10.8% 0.0% 8.0%
4,094,626 II. TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B) III. TOTAL CORE CAPITAL , SUPPLEMENTARY AND ALLOCATION OF ADDITIONAL SUPPLEMENTARY CAPITAL TO ANTICIPATE MARKET RISK 4,094,626 (A+B+D) 109,072 IV. INVESTMENTS IN SHARES OF STOCK ( -/- ) 3,985,554 V. TOTAL CAPITAL FOR CREDIT RISK ( II - IV ) 3,985,554 VI. TOTAL CAPITAL FOR CREDIT RISK AND MARKET RISK ( III - IV ) 28,545,293 VII. RISK WEIGHTED ASSETS ( RWA ) FOR CREDIT RISK 1,486,447 VIII.RISK WEIGHTED ASSETS ( RWA ) FOR MARKET RISK IX. CAPITAL ADEQUACY RATIO FOR CREDIT RISK ( V : VII ) 14.0% X.CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND MARKET RISK 13.3% (VI:(VII+VIII ) XI. RATIO OF EXCESS ADDITIONAL SUPPLEMENTARY CAPITAL 0.0% ((C-D) : (VII + VIII ) XII.REQUIRED CAPITAL ADEQUACY RATIO 8.0% *) Presented by excluding the impact of deferred tax assets in accordance with Bank Indonesia Regulation No. 3/21/PBI/2001 dated December 13, 2001 regarding CAR
PT BANK PERMATA TBK
PT BANK PERMATA TBK TRANSAKSI VALUTA ASING DAN DERIVATIF Per 31 Desember 2008 dan 2007 (Diaudit)
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE as of December 31, 2008 and 2007 (Audited) (Dalam Jutaan Rupiah)
(Rupiah in million)
BANK No. A. 1. 2. 3.
4. 5. 6. B. 1. 2.
3. 4. 5. C.
Nilai Pasar dari Kontrak Hedging Lainnya
Terkait dengan Nilai Tukar Spot Forward Option a. Purchased b. Written Future Swap Lainnya
Nilai kontrak dengan No. Netting Agreement
Tagihan dan Kewajiban Derivatif Tagihan Kewajiban
-
883,680 1,629,391
8,594 95,750
10,904 75,937
-
-
2,118,926 2,118,926 87,977 -
364,877 466 -
364,877 369 -
-
TRANSACTION
A. 1 2 3
Exchanged Rate Related Spot Forward Option a. Purchased b. Written 4 Future 5 Swap 6 Other
Terkait dengan Suku Bunga Forward Option a. Purchased b. Written Future Swap Lainnya
-
-
-
-
-
-
-
-
-
-
B. Interest Rate Related 1 Forward 2 Option a. Purchased b. Written 3 Future 4 Swap 5 Other
Lainnya
-
-
469,687
452,087
-
C. Others
JUMLAH
TOTAL
Catatan : Informasi keuangan konsolidasi ini disusun berdasarkan laporan keuangan konsolidasi untuk tahun yang berakhir pada tanggal 31 Desember 2008 dan 2007 yang telah diaudit oleh Kantor Akuntan Publik Siddharta Siddharta & Widjaja (penanggung jawab : Kusumaningsih Angkawijaya, CPA untuk tahun 2008 dan Dra. Tohana Widjaja untuk tahun 2007) dengan pemdapat wajar tanpa pengecualian dengan memuat paragraf penjelasan tentang transaksi cessie, dengan beberapa penyesuaian untuk memenuhi Peraturan Bank Indonesia No.3/22/PBI/2001 tanggal 13 Desember 2001 sebagaimana telah diubah sebagian dengan Peraturan Bank Indonesia No.7/50/PBI/2005 tanggal 29 Nopember 2005 tentang Transparansi Kondisi Keuangan Bank, Surat Edaran Bank Indonesia No.3/30/DPnP tanggal 14 Desember 2001 sebagaimana telah diubah sebagian dengan Surat Edaran Bank Indonesia No.7/10/DPnP tanggal 31 Maret 2005 tentang Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang disampaikan kepada Bank Indonesia. Informasi keuangan konsolidasi ini disampaikan berdasarkan Peraturan Bapepam & LK No. VIII.G.7, Lampiran Keputusan Ketua Bapepam No. Kep-06/PM/2000 tanggal 13 Maret 2000 tentang Pedoman Penyajian Laporan Keuangan jo. Surat Edaran Ketua Bapepam No. SE-02/PM/2002 tentang Pedoman Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik, Peraturan Bapepam & LK No. X.K.2, Lampiran Keputusan Ketua Bapepam No. Kep-36/PM/2003 tanggal 30 September 2003 tentang Kewajiban Penyampaian Laporan Keuangan Berkala dan Peraturan PT. Bursa Efek Indonesia No.I-E Lampiran Keputusan Direksi PT. Bursa Efek Jakarta No. Kep-306/BEJ/07-2004 tanggal 19 Juli 2004 tentang Kewajiban Penyampaian Informasi.
Jardine Matheson Holdings Limited (Bermuda) melalui PT Astra International Tbk, Standard Chartered PLC melalui Standard Chartered Bank adalah ultimate shareholders. Pengungkapan ini sesuai dengan Peraturan Bank Indonesia No. 5/25/PBI/2003 tanggal 10 Nopember 2003 dan Surat Edaran Bank Indonesia No. 6/15/DPNP tanggal 31 Maret 2004 tentang Penilaian Kemampuan dan Kepatutan (Fit and Proper Test). Sesuai dengan Surat Edaran Bank Indonesia No. 3/30/DPnP tanggal 14 Desember 2001 sebagaimana telah diubah oleh Surat Edaran Bank Indonesia No. 7/10/DPnP tanggal 31 Maret 2005 tentang Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum, penyajian laporan keuangan konsolidasian p dilakukan. Untuk tujuan perbandingan, beberapa akun dalam laporan keuangan konsolidasi yang berakhir pada tanggal 31 Desember 2007 telah direklasifikasi agar sesuai dengan penyajian akun di laporan keuangan konsolidasi untuk tahun yang berakhir pada tanggal 31 Desember 2008. 31 Desember 2008 : 1 USD = Rp. 10,900 31 Desember 2007 : 1 USD = Rp. 9.393 Notes: This financial statement is made based on Consolidated Financial Statements for period ended 31 December 2008 and 2007 have been audited by public accounting firm Siddharta Siddharta & Widjaja (in charge are Kusumaningsih Angkawijaya, CPA for 2008 and Dra. Tohana Widjaja for 2007) with unqualified opinion several adjustment to comply with Regulation of Bank Indonesia No. 3/22/PBI/2001 dated December 13, 2001, which altered with circular letter of Bank Indonesia No.7/50/PBI/2005 dated 29 November 2005 regarding Financial Transparency Condition for Banks, and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001, which altered with circular letter of Bank Indonesia No. 7/10/DPNP dated 31 March 2005 regarding Quarterly and Monthly Published Financial Statements of Commercial Banks, and Certain Report Submitted to Bank Indonesi This financial statements is made to comply with Rule No. VIII.G.7, Attachment of Decision Letter of the Chairman of Bapepam No. Kep-06/PM/2000 dated 13 Maret 2000 regarding Submission of Periodic Financial Statement, Rule No. VIII. G. 11 Attachement to the Decision Letter of Bapepam No. Kep - 40/PM/2003 dated 22 December 2003 regarding Director’s Responsibility of Financial Report, Rule No. I – E, Attachment of the Decision of Director of PT Bursa Efek Jakarta No. Kep-306/BEJ/07 - 2004 dated July 19, 2004 regarding Information Dissemination Compulsory, and Rule No. I.A.3 Attacment to the Decision Letter of the Director of PT Bursa Efek Surabaya No. SK-020/LGL/BES/XI/2004 dated 25 November 2004 regarding Reporting Obligation for Listed Company Jardine Matheson Holdings Limited (Bermuda) through PT Astra International Tbk and Standard Chartered PLC through Standard Chartered Bank and Negara Republik Indonesia are the ultimate shareholders, refferring to Regulation of Bank Indonesia No. 5/25/PBI/2003 dated 10 November 2003 dan circular letter of Bank Indonesia No. 6/15/DPNP dated 31 March 2004 re: Fit and Proper Test. For comparation purpose, several accounts in the consolidated financial report for period ended 31 December 2007 had reclassified to conform with the consolidated financial report for period ended 31 December 2008. - The exchange rates: 31 December 2008 31 December 2007
: 1 USD = Rp10.900 : 1 USD = Rp 9,393
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
SHARIA BUSINESS UNIT FINANCIAL INFORMATION PT BANK PERMATA Tbk
NERACA
BALANCE SHEET
Per 31 Desember 2008 dan 2007 (Diaudit) (Dalam Jutaan Rupiah) No.
Pos - Pos
as of December 31, 2008 and 2007 (Audited) (Rupiah in million) 2008
2007
No.
Account
1 2 3 4
AKTIVA Kas Giro Bank Indonesia Sertifikat Wadiah Bank Indonesia Penempatan pada Bank Syariah Lain
5
PPAP - Penempatan pada Bank Syariah Lain
6
Surat Berharga yang dimiliki
7
PPAP - Surat Berharga yang Dimiliki -/-
8
Piutang Murabahah
911,941
9
PPAP Piutang Murabahah -/-
(18,530)
10
Piutang lainnya
140,942
-
10
Others Receivables
11 12
PPAP Piutang lainnya -/Pembiayaan Mudharabah & Musyarakah
7,317
15,186
11 12
Allowance for possible on others receivables -/Mudharabah & Musyarakah Financing
13
PPAP - Pembiayaan -/-
14
Pendapatan yang masih akan diterima
15
Biaya dibayar dimuka
16 17
Aktiva Tetap Akumulasi Penyusutan Aktiva Tetap -/-
18
Aktiva lain-lain
7,281 29,541 -
1 2 3 4
ASSETS Cash Current accounts with Bank Indonesia Wadiah Certificate of Bank Indonesia Placement with other Syariah banks
-
-
5
Allowance for possible losses on placement with other Syariah banks -/-
5,389
184,998
6
Marketable securities - syariah bonds
7
Allowance for possible losses on Marketable securities-Syariah bonds -/-
490,617
8
Murabahah receivables
(17,408)
9
Allowance for possible losses on Murabahah receivables -/-
9,569 49,198 180,000 -
(54)
(1,850)
(436)
(441) 13
37
JUMLAH AKTIVA
2,205 (735)
14
Accrued Interest Receivables
3
15
Prepaid Expenses
1,217 16 (603) 17
Fixed Assets
10,835
3,302
Others assets
1,297,678
711,843
351,664
81,037
1
Wadiah current account
11,470
2,938
2
Others current liabilities
-
-
3
Liabilities to Bank Indonesia
986
110,557
4
Liabilities to other Banks
-
-
5
Trading account securities issued
167,624
198,848
6
Others liabilities
7
Investment Fund
18
Accumulated depreciation on fixed assets -/TOTAL ASSETS
PASIVA
THIRD PARTIES
1
Dana Simpanan Wadiah
2
Kewajiban Segera Lainnya
3
Kewajiban Kepada Bank Indonesia (FPJPS)
4
Kewajiban Kepada Bank Lain
5
Surat Berharga Yang Diterbitkan
6
Kewajiban lain-lain
7
Dana Investasi Tidak Terikat
-
a. Tabungan Mudharabah
96,760
59,514
621,734 47,440
257,561 1,388
1,297,678
711,843
8
Allowance for possible losses on Mudharabah & Musyarakah Financing -/-
-
b. Deposito Mudharabah Saldo Laba (Rugi) JUMLAH PASIVA
-
a. Mudharabah saving b. Mudharabah deposits
8
Accumulated losses/retained earnings TOTAL LIABILITIES AND STOCKHOLDERS' EQUITY
KOMITMEN DAN KONTIJENSI
STATEMENT OF COMMITMENTS AND CONTINGENCIES
Per 31 Desember 2008 dan 2007 (Diaudit) (Dalam Jutaan Rupiah)
No. 1
Pos - Pos
as of December 31, 2008 and 2007 (Audited) (Rupiah in million) 2008
2007
No.
(Rupiah in million)
Fasilitas Pembiayaan kepada Nasabah yang Belum Ditarik
-
-
1
Unused financing facilities
2
Irrevocable L/C yang Masih Berjalan
-
-
2
Outstanding irrevocable letters of credit
3 4
Garansi (Kafalah) yang Diberikan lainnya
2,478
3,266
3 4
Guarantees issued (Kafalah) Others
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
SHARIA BUSINESS UNIT FINANCIAL INFORMATION PT BANK PERMATA Tbk
LABA RUGI
STATEMENTS OF INCOME as of December 31, 2008 and 2007 (Audited) (Rupiah in million)
Per 31 Desember 2008 dan 2007 (Diaudit) (Dalam Jutaan Rupiah)
No. A.
B. C.
Pos - Pos
2008
PENDAPATAN OPERASIONAL 1. Margin 2. Bagi hasil 3. Bonus 4. Pendapatan Operasional Lainnya JUMLAH PENDAPATAN
97,431 9,244 11,268 23,534
27,678 6,305 1,026 10,568
141,477
45,577
7,084
7
49,904
16,832
Bagi Hasil untuk Investor Dana Investor tdk terikat 1. Bank 2. Bukan Bank 3. Bank Indonesia (FPJPS)
-
D.
JUMLAH BAGI HASIL
E.
Pendapatan operasional setelah distribusi bagi hasil untuk
OPERATING INCOME 1. Margin 2. Profit sharing 3. Bonus 4. Other operating income
B.
TOTAL INCOME
C.
Margin distribution for non - discretionary investment funds 1. Bank 2. Non Bank
-
56,988
16,839
84,489
28,738
Beban Operasional 1. Bonus Wadiah
Account
A.
3. Bank Indonesia (FPJPS)
D.
TOTAL PROFIT SHARING
E.
Investor dana investasi tidak terikat F.
No.
2007
Income from operation after deducting margin distribution for non-discretionary investment funds
F.
Operating Expenses
2,127
54
12,581
16,053
3. Beban Umum & Administrasi
1,789
1,287
3. General and administrative
4. Beban Personalia
9,675
6,529
4. Salaries and employee benefits
5. Beban Lainnya
8,414
3,425
2. Penyisihan Penghapusan Aktiva Produktif
1. Wadiah Bonus 2. Allowance for possible losses on earning Assets
5. Others Expenses
G.
JUMLAH BEBAN OPERASIONAL
34,586
27,348
G.
TOTAL OPERATING EXPENSE
H.
PENDAPATAN (BEBAN) OPERASIONAL BERSIH
49,903
1,390
H.
LOSS (INCOME) NET
I.
Pendapatan Non Operasional
-
I.
Non Operating Income
J.
Beban Non Operasional
K. L.
441 2,904
2
J.
Non Operating Expense
LABA (RUGI) NON OPERASIONAL
(2,463)
(2)
K.
LOSS (INCOME) NON OPERATING - NET
LABA (RUGI) TAHUN BERJALAN
47,440
1,388
L.
LAPORAN PERUBAHAN DANA INVESTASI TERIKAT
PROFIT ( LOSS ) DURING THE YEAR
STATEMENTS OF CHANGES IN RESTRICTED INVESTMENT FUNDS
Per 31 Desember 2008 dan 2007 (Diaudit) (Dalam Jutaan Rupiah)
No. 1
Pos - Pos
as of December 31, 2008 and 2007 (Audited) (Rupiah in million)
No.
2008
2007
-
-
Penerimaan Dana
-
-
Funds received
Penarikan Dana -/-
-
-
Funds withdrawn -/-
Untung (Rugi) Investasi
-
-
Untung (Rugi) Investasi
Beban / Biaya -/-
-
-
Gain/(loss) on investment -/-
Fee / Penerimaan Bank -/-
-
-
Informasi Awal Periode
1
Periode Pembiayaan (Project) * Saldo Awal 2
3
Financing portfolio (Project)
Informasi Periode Berjalan
Informasi Akhir Periode * Saldo Akhir
Information at the beginning of period * Beginning balance
2
Administration fee -/-
3 -
-
Current year information
Information at the end of period * Ending balance
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
LAPORAN SUMBER DAN PENGGUNAAN DANA QARDH Untuk Tahun Yang Berakhir Pada Tanggal 31 Desember 2008 dan 2007 (Diaudit (dalam jutaan Rupiah) NO. 1. 2.
3.
URAIAN Sumber Dana Qardh pada awal periode Sumber Dana Qardh a. Infaq dan Shadaqah b. Denda c. Sumbangan / Hibah
CATATAN
2008
2007
-
45
19
-
90 -
27 -
DESCRIPTION Sources of Qardh Funds at beginning of period Sources of Qardh Funds a. Infaq and Shadaqah b. Penalty c. Donation / Grant
d. Pendapatan Non-Halal
-
-
-
d. Non halal Income
e. Lainnya
-
-
-
e. Others
Total Sumber Dana
0
90
27
Penggunaan Dana Qardh
Total Source of Funds Usance of Qardh Funds
a. Pinjaman
-
-
-
a. Loan
b. Sumbangan
-
-
1
b. Donation c. Others
c. Lainnya
-
-
-
Total Penggunaan Dana
0
0
1
4.
Kenaikan Sumber Atas Penggunaan
-
90
26
Increase (Decrease) in Sources of Usance
5.
Sumber Dana Qardh Pada Akhir Periode
-
135
45
Qardh Sources of Fudns at end of period
Total Usance of Qardh Funds
LAPORAN SUMBER DAN PENGGUNAAN DANA ZIS Untuk Tahun Yang Berakhir Pada Tanggal 31 Desember 2008 dan 2007 (Diaudit) (dalam jutaan Rupiah) NO.
URAIAN
CATATAN
2008
2007
-
152
36
ZIS Sources of Funds at beginning of period
a. Zakat dari Bank
-
35
118
a. Zakat from Bank b. Zakat from non Bank
1.
Sumber Dana ZIS pada awal periode
2.
Sumber Dana ZIS
3.
DESCRIPTION Sources of ZIS Funds
b. Zakat dari pihak luar Bank
-
581
948
c. Infaq dan Shadaqah
-
51
209
c. Infaq dan Shadaqah
Total Sumber Dana
0
667
1,275
Total Source of Funds
Penggunaan Dana ZIS
Usance of ZIS Funds
a. Disalurkan ke lembaga / pihak lain :
a. Distributed to other Institution
1) Yayasan Rumah Zakat Indonesia
-
71
305
1) Yayasan Rumah Zakat Indonesia
2) Yayasan Dompet Dhuafa
-
12
182
2) Yayasan Dompet Dhuafa
3) Yayasan Baitul Maal Hidayatullah
-
103
98
3) Yayasan Baitul Maal Hidayatullah
4) Yayasan Pesantren Islam Al Azhar
-
38
152
4) Yayasan Pesantren Islam Al Azhar
5) Lainnya
-
333
401
b. Disalurkan sendiri :
-
39
21
5) Others b. Distributed by self
Total Penggunaan Dana
0
596
1,159
4.
Kenaikan Sumber Atas Penggunaan
-
71
116
Increase (Decrease) in Sources of Usance
5.
Sumber Dana ZIS Pada Akhir Periode
-
223
152
ZIS Sources of Funds at end of period
Total Usance
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
SHARIA BUSINESS UNIT FINANCIAL INFORMATION PT BANK PERMATA Tbk
TABEL DISTRIBUSI BAGI HASIL
PROFIT SHARING DISTRIBUTION
Per 31 Desember 2008 dan 2007 (Diaudit) (Dalam Jutaan Rupiah)
NO.
1.
JENIS PENGHIMPUNAN
as of December 31, 2008 and 2007 (Audited) (Rupiah in million) Saldo Rata-Rata
Pendapatan yg Harus dibagi hasil
Average Outstanding
Revenue Subject to Profit Sharing
PORSI PEMILIKAN DANA Jumlah Bonus dan Bagi Hasil Total Bonuses and Profit Sharing
Nisbah Nisbah
Indikasi Rate of Return Rate of Return Indication
NO.
Giro iB
1.
a. Bank
987
-
0%
-
0.00%
268,576
-
0%
-
0.00%
675
-
0%
-
0.00%
b. Non Bank
- Rupiah - Valas Tabungan iB
- Rupiah - Foreign Exchange 2.
a. Bank b. Non Bank 3.
iB Demand Deposits a. Bank
b. Non Bank
2.
TYPE OF FUNDS
28 87,826
1,102
30% 20%
220
4.52% 3.01%
Deposito iB
iB Savings a. Bank b. Non Bank
3.
a. Bank
iB Time Deposits a. Bank
- 1 bulan
121,661
- 3 bulan
-
- 6 bulan
250
- 12 bulan
-
1,526
30%
-
0% 3
-
458
4.52%
- 1 month
-
0.00%
- 3 months
4.67%
- 6 months
31% 0%
1 -
0.00%
b. Non Bank
- 12 months b. Non Bank
1. Rupiah
1. Rupiah
- 1 bulan
393,567
4,938
56%
2,765
8.43%
- 1 month
- 3 bulan
16,968
213
58%
123
8.73%
- 3 months
- 6 bulan
32,190
404
59%
238
8.88%
- 6 months
- 12 bulan
6,343
80
60%
48
9.03%
- 12 months
- 1 bulan
38,422
482
9%
43
1.35%
- 1 bulan
- 3 bulan
12,786
160
11%
18
1.66%
- 3 bulan
- 6 bulan
-
-
13%
-
0.00%
- 6 bulan
- 12 bulan
-
-
18%
-
0.00%
2. Valas
2. Foreign Exchange
JUMLAH
980,279
8,908
- 12 bulan
Total
3,914
Catatan : -
Disusun untuk memenuhi Surat Edaran BI No. 7/56/DPbS tanggal 09 Desember 2005 sebagaimana telah diubah sebagian dengan Surat Edaran Bank Indonesia No. 8/11/DPbS tanggal 7 Maret 2006 perihal Laporan Tahunan, Laporan Keuangan Publikasi Triwulanan Dan Bulanan serta Laporan Tertentu Dari Bank Yang Disampaikan Kepada Bank Indonesia.
Note: - Presented in compliance with Bank Indonesia Circular Letter No. 7/56/DPbS dated 9 December 2005, which altered with Bank Indonesia Circular Letter No. 8/11/DPbS dated
Jakarta, 23 Februari 20098 PT Bank Permata Tbk Unit Usaha Syariah
Dewan Pengawas Syariah
Kepala Unit Usaha Syariah
(Prof. Dr. H. M. Amin Suma, SH. MA)
(Adrian Asharyanto)
