PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2006 dan 2005 (Tidak Diaudit)
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2006 and 2005 (Unaudited)
(dalam jutaan rupiah) No
(in million rupiah) POS - POS
BANK 31.03.2006
1 2
3
4
5
6 7
8
9
10
11
12 13 14 15 16 17 18 19 20 21
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 a. Rupiah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPA - Surat berharga yang dimiliki -/b. Valuta asing i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPA - Surat berharga yang dimiliki -/Surat berharga yg dijual dengan janji dibeli kembali Obligasi Pemerintah *) 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 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 Aktiva lain-lain
CONSOLIDATED 31.03.2006 31.03.2005
31.03.2005
DESCRIPTIONS
577,423
436,026
577,881
436,454
2,353,033 1,650,078 15,704
1,731,225 1,673,165
2,353,033 1,690,428 15,704
1,731,225 20,550 1,673,165
26 13,388
7,282
26 27,479
29,732
50,833 197,303
7,970 190,634
50,833 213,557
7,970 193,352
210,844 (10,203)
40,000 340,844 (10,146)
263,210 (10,248)
40,000 382,785 (10,182)
181,310 1,877,081 (25,850)
377,913 (9,312)
181,310 1,882,800 (25,850)
396,617 (9,313)
69,407 30,000 (646)
5,338 88,862 (1,419)
10,110 69,407 31,000 (646)
33,378 5,338 88,862 (1,419)
118,700 (1,142) -
322,734 23,648 416,780 (7,991) -
118,700 9,401 (1,142) -
322,734 33,267 416,780 (7,991) -
797,450
1,505,677
797,450
1,505,677
3,033,482
250,963
3,033,482
250,963
-
3,906,905
-
3,906,905
-
-
10,000 -
-
205 14,343 (160)
404 3,027 (49)
205 14,343 (160)
404 3,027 (49)
59,143 20,122,463 (619,319)
7,453 13,714,858 (545,452)
59,143 20,211,132 (620,173)
7,983 13,784,470 (545,975)
2,051,628 (340,433)
2,357,797 (479,388)
2,051,628 (340,433)
2,357,797 (479,417)
387,179 (33,189) 128,689 (24,782) 195,325 72,819 146,755 253,214 1,332,524 (332,395) 448,889 735,874
6,681 397,872 (5,228) 155,235 (73,680) 176,783 70,415 37,340 338,357 1,060,793 (303,115) 477,232 874,275
387,179 (33,189) 26,171 (24,782) 197,841 74,859 146,844 258,152 1,341,839 (338,381) 450,609 777,443
6,681 397,872 (5,228) 79,070 (73,680) 178,775 71,956 38,456 341,972 1,069,894 (308,466) 267 (138) 478,675 897,907
JUMLAH AKTIVA 35,736,993 29,568,708 * Merupakan obligasi Pemerintah dalam rangka rekapitalisasi dan peleburan usaha, termasuk obligasi Pemerintah dalam rangka program rekapitalisasi bank umum yang dibeli dari pasar sekunder.
35,938,195
ASSETS 1. Cash 2. Placement with Bank Indonesia a. Current Account with Bank Indonesia b. Certificates of Bank Indonesia c. Others 3. Current Account with Other Banks a. Rupiah i. Related Parties ii. Third Parties b. Foreign Currencies i. Related Parties ii. Third Parties 4. Placements with Other Banks a. Rupiah i. Related Parties ii. Third Parties Provision for Possible Losses -/b. Foreign Currencies i. Related Parties ii. Third Parties Provision for Possible Losses -/5. Marketable Securities a. Rupiah i. Trading ii. Available for Sale iii. Held to Maturity Provision for Possible Losses -/b. Foreign Currencies i. Trading ii. Available for Sale iii. Held to Maturity Provision for Possible Losses -/6. Securities Sold under Agreements to Repurchase 7. Government Bonds* a. Trading i. Related Parties ii. Third Parties b. Available for Sale i. Related Parties ii. Third Parties c. Held to Maturity i. Related Parties ii. Third Parties 8. Securities Purchased under Resale Agreements (reverse repo) a. Rupiah b. Foreign Currencies Provision for Possible Losses -/9. Derivative Receivables i. Related Parties ii. Third Parties Provision for Possible Losses -/10. Loans a. Rupiah i. Related Parties ii. Third Parties Provision for Possible Losses -/b. Foreign Currencies i. Related Parties ii. Third Parties Provision for Possible Losses -/11. Acceptance Receivables i. Related Parties ii. Third Parties Provision for Possible Losses -/12. Investments Provision for Possible Losses -/13. Account Receivables 14. Prepaid Expenses 15. Prepaid Taxes 16. Deffered Tax Assets 17. Premises and Equipments Accumulated Depreciation -/18. Unutilized Properties Provision for Possible Losses -/19. Leased Assets Accumulated Depreciation -/20. Foreclosed Assets 21. Other Assets
29,749,102 TOTAL ASSETS * Goverment bond in the frame of recapitalization and merger, including government bond in the frame of bank recapitalization program, which obtained from secondary market.
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2006 dan 2005 (Tidak Diaudit)
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2006 and 2005 (Unaudited)
(dalam jutaan rupiah) No
(Rupiah in million) POS - POS
BANK 31.03.2006
1
2 3
4
5
6
7 8
9
10
11
12
13 14 15 16 17 18
19
20 21
PASIVA Giro a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Kewajiban segera lainnya Tabungan i. Pihak terkait dengan bank ii. Pihak lain Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Sertifikat deposito a. Rupiah b. Valuta asing Simpanan dari bank lain i. Pihak terkait dengan bank ii. Pihak lain Kewajiban pembelian kembali surat berharga yang dijual dengan syarat repo Kewajiban derivatif i. Pihak terkait dengan bank ii. Pihak lain Kewajiban akseptasi i. Pihak terkait dengan bank ii. Pihak lain Surat berharga yang diterbitkan a. Rupiah b. Valuta asing 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 Estimasi kerugian komitmen & kontinjensi i. Pihak terkait dengan bank ii. Pihak lain Kewajiban sewa guna usaha Beban yang masih harus dibayar Taksiran pajak penghasilan Kewajiban pajak tangguhan Kewajiban lain-lain Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain Hak minoritas Ekuitas a. Modal disetor b. Agio ( Disagio ) c. Uang muka setoran modal d. Modal sumbangan e. Selisih penjabaran laporan keuangan f. Selisih penilaian kembali aktiva tetap g. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali h. Laba ( rugi ) yang belum direalisasi dari surat berharga i. Pendapatan komprehensif lainnya j. Saldo laba ( rugi ) JUMLAH PASIVA
CONSOLIDATED 31.03.2006 31.03.2005
31.03.2005
DESCRIPTIONS
280,176 2,965,994
434,621 3,368,625
271,828 2,965,974
429,590 3,369,853
93,880 2,082,452 925,683
76,902 1,612,233 993,255
91,561 2,080,409 961,295
74,784 1,612,233 1,032,476
11,539 4,875,870
8,116 4,376,628
11,539 4,890,518
8,116 4,390,927
794,390 16,271,164
693,331 11,490,728
790,806 16,348,526
688,395 11,546,117
63,439 1,602,747
114,156 1,091,135
49,988 1,600,185
99,749 1,091,135
5 -
5 -
5 -
5 -
7 952,108 -
19 211,184 -
7 950,347 -
19 209,938 -
55 12,263
57 3,331
55 12,263
57 3,331
38,751 348,428
89,615 314,937
38,751 348,428
89,615 314,937
-
-
-
-
-
-
-
-
594,941
630,130
595,049
630,130
126,451
89,257 411,694
126,451
89,257 411,694
135 5,910 103,224 26,706 834,266
7 8,080 47,168 1,031,248
135 5,910 104,040 27,973 882,535
7 8,080 47,993 1,864 1,077,285
-
-
-
-
-
-
57,208
49,269
1,300,534 5,826,978 43,574 17,842 (4,462,519)
1,300,534 5,826,978 43,574 1,180 (4,700,020)
1,300,534 5,826,978 43,574 17,842 (4,462,519)
1,300,534 5,826,978 43,574 1,180 (4,700,020)
35,736,993
29,568,708
35,938,195
29,749,102
LIABILITIES & STOCKHOLDERS' EQUITY 1. Demand Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Exchange i. Related Parties ii. Third Parties 2. Other Current Liabilities 3. Savings i. Related Parties ii. Third Parties 4. Time Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Exchange i. Related Parties ii. Third Parties 5. Certificates of Deposits a. Rupiah b. Foreign Exchange 6. Deposits of Other Banks i. Related Parties ii. Third Parties 7. Securities Sold under Repurchase Agreements (repo) 8. Derivative Payables i. Related Parties ii. Third Parties 9. Acceptance Payables i. Related Parties ii. Third Parties 10. Securities Issued a. Rupiah b. Foreign Exchange 11. Fund Borrowings a. Short Term Funding Facilities from Bank Indonesia b. Others i. Rupiah - Related Parties - Third Parties ii. Foreign Exchange - Related Parties - Third Parties 12. Estimated Allowance for Possible Losses on Commitment & Contingencies i. Related Parties ii. Third Parties 13. Lease Payables 14. Accruals 15. Estimated Tax Payable 16. Deferred Tax Liabilities 17. Other Liabilities 18. Subordinated Loans a. Related Parties b. Others 19. Loan Capital a. Related Parties b. Others 20. Minority Interest 21. Equity a. Paid Up Capital b. Agio ( Disagio ) c. Prepaid Capital d. Donation Capital e. Difference in Foreign Currency Translation f. Revaluation Increment in Premises and Equipment g. Difference in value arising fr restructuring of entities under common control h. Unrealized Gains/Losses from Marketable Securities & Government Bonds i. Other Comprehensive Income j. Retained Earnings TOTAL LIABILITIES & STOCKHOLDER'S EQUITY
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN LABA - RUGI DAN SALDO LABA KONSOLIDASI Untuk periode tiga bulan yang berakhir pada tanggal 31 Maret 2006 & 2005 (Tidak Diaudit) (dalam jutaan rupiah) No
CONSOLIDATED STATEMENTS OF INCOMES For Period of January 1 to March 31, 2006 and 2005 (Unaudited) (Rupiah in million)
POS - POS
BANK 31.03.2006
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, fee 3.2. Pendapatan transaksi valuta asing* 3.3. Pendapatan kenaikan nilai surat berharga** 3.4. Pendapatan premi 3.5. Pendapatan lainnya Jumlah Pendapatan Operasional Lainnya Beban (Pendapatan) Penghapusan Aktiva Produktif 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 valas 6.5. Beban Promosi 6.6. Beban lainnya Jumlah Beban Operasional Lainnya LABA ( RUGI ) 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 PERIODE LABA BERSIH PER SAHAM ( dalam satuan Rupiah ) Meliputi pendapatan dan beban transaksi valuta asing Meliputi kenaikan dan penurunan nilai surat berharga
31.03.2005
CONSOLIDATED 31.03.2006 31.03.2005
990,599 62,284 68,178 2,508 1,123,569
632,347 46,857 59,779 1,848 740,831
996,388 59,122 68,555 2,508 1,126,573
636,182 46,466 59,922 1,848 744,418
667,429 20,663 1,017 689,109 434,460
328,942 7,104 512 336,558 404,273
669,489 19,836 1,017 690,342 436,231
330,083 7,000 512 337,595 406,823
62,894 16,821 26,885 28,722
50,844 12,460 (9,258) 35,842
62,824 16,051 26,849 12,445 26,552
51,101 12,176 (9,565) 9,431 34,796
135,322
89,888
144,721
97,939
72,136 (1,078)
Total Other Operating Income
150,545 184,576 19,722 41,421 396,264
123,450 163,530 12,043 44,547 343,570
151,580 187,606 19,848 43,130 402,164
102,460
171,609
107,689
173,978
15,492 12,763 2,729 105,189
18,928 3,199 15,729 187,338
16,917 17,608 (691) 106,998
19,235 3,228 16,007 189,985
53,620 2,270 131,448 (4,831,468) (4,700,020) 16.98
72,177 (1,078)
OPERATING INCOME AND EXPENSES 1. Interest Income 1.1. Interest Income a. Rupiah b. Foreign Exchange 1.2. Fees and Commissions a. Rupiah b. Foreign Exchange Total Interest Income 2. Interest Expenses 2.1. Interest Expenses a. Rupiah b. Foreign Exchange 2.2. Other Expenses Total Interest Expenses Net Interest Income 3. Other Operating Income 3.1. Other Provision, Commissions and Fees 3.2. Gain on Foreign Exchange Transactions* 3.3. Gain from Increase in Fair Value of Securities** 3.4. Premium Income 3.5. Other Income
(21,638) 4. Provision for Possible Losses on Earning Assets 649 5. Estimation for Losses on Commitment & Contingencies 6. Other Operating Expenses 124,980 6.1. General & Administrative Expenses 165,948 6.2. Personnel Expenses 6.3. Decrease in Value of Securities 6.4. Losses of Foreign Exchange Transactions 12,122 6.5. Promotion Expenses 48,723 6.6. Other Expenses 351,773 Total Other Operating Expenses
26,706 4,539 73,944 (4,536,463) (4,462,519) 9.55
(21,667) 649
DESCRIPTIONS
28,385 3,088 75,525 1,581 (4,536,463) (4,462,519) 9.55
55,145 1,832 133,008 1,560 (4,831,468) (4,700,020) 16.98
NET OPERATING INCOME NON OPERATING INCOME AND EXPENSES 7. Non Operating Income 8. Non Operating Expenses Net Non Operating Income (Expenses) 9. Extraordinary Income (Expenses) 10. PROFIT/LOSS BEFORE TAX 11. Provision for Income Tax -/- Current - Deferred*) 12. NET INCOME 13. Minority Interest -/14. Retained Earnings - Beginning Balance 15. Cash Dividends Others 16. RETAINED EARNINGS - Ending Balance 17. EARNING PER SHARE (in Indonesian Rupiah) *Including income and expense from foreign exchange transactions **Including gain and loss in marketable securities
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 Maret 2006 dan 2005 (Tidak Diaudit)
EARNING ASSETS QUALITY as of March 31, 2006 and 2005 (Unaudited)
(dalam jutaan rupiah)
(Rupiah in million) Pos - Pos Current
Special Mention
31 Mar 2006 Substandard Doubtful
Loss
Total
Current
Special Mention
31 Mar 2005 Substandard Doubtful
DESCRIPTIONS Loss
Total
A. Pihak Terkait
415,483
-
-
-
-
-
-
6,025
-
5,316,587 Related Parties
242,280 59,143 59,143 93,768 93,768 20,292
-
-
-
-
415,483 242,280 59,143 59,143 93,768 93,768 20,292
5,310,562
1. Penempatan pada bank lain 2. Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia 3. Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya 4. Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit 5. Tagihan lain kepada pihak ketiga 6. Komitmen dan Kontinjensi kepada pihak ketiga
50,449 5,178,409 7,453 7,453 66,951 66,951 6,681 619
-
-
6,025 3,617 2,408 -
-
50,449 5,178,409 7,453 7,453 72,976 70,568 2,408 6,681 619
B. Pihak Tidak Terkait
27,496,557
2,153,137
672,530
170,946
511,618
31,004,788
18,978,309
1,666,045
181,311
143,074
281,350
21,250,089 Third Parties
1. Penempatan pada bank lain 2. Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia 3. Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya 4. Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit 5. Tagihan lain kepada pihak ketiga 6. Komitmen dan Kontinjensi kepada pihak ketiga
2,462,024 5,553,408 18,779,610 489,182 3,239,733 3,239,733 65,532 14,985,163 1,183 1,183 309,634 390,698
2,262 2,136,638 171,609 230,379 230,379 165,407 1,569,243 7,637 6,600
603,486 5,193 8,229 8,229 502,981 87,083 65,677 3,367
159,246 2,825 6,827 6,827 14,780 134,814 11,700 11,700 -
9,200 490,286 8,422 51,759 51,759 34,408 395,697 12,132 132 12,000 -
2,471,224 5,555,670 22,169,266 677,231 3,536,927 3,536,927 783,108 17,172,000 25,015 1,315 23,700 382,948 400,665
1,395,952 2,560,320 13,951,414 1,119,196 2,230,052 2,230,052 56,860 10,545,306 4,979 4,979 398,190 667,454
516 1,658,296 354,263 165,785 165,785 872,991 265,257 7,233
169,611 18,348 7,456 7,456 99,476 44,331 11,700 11,700 -
143,074 5,222 3,438 3,438 118,921 15,493 -
6,063 220,155 13,212 16,106 16,106 43,341 147,496 55,132 132 55,000 -
27,912,040
2,153,137
672,530
170,946
511,618
31,420,271
26,297,975
1,612,333
184,241
163,824
280,969
1,402,015 2,560,836 16,142,550 1,510,241 2,422,837 2,422,837 1,191,589 11,017,883 71,811 5,111 66,700 398,190 674,687 28,539,342
JUMLAH 7. PPAP yang wajib dibentuk 8. PPAP yang telah dibentuk 9. Total asset bank yang dijaminkan a. Pada Bank Indonesia b. Pada Pihak Lain 10. Persentase KUK terhadap total kredit 11. Persentase Jumlah Debitur KUK terhadap Total Debitur
203,903 294,675 2.60%
81,916 89,042 8.03%
94,472 261,952 0.86%
59,639 72,688 1.77%
343,413 343,413 1.72%
783,343 1,061,770 2.86% 2.97%
157,754 217,091 10.59%
80,616 541,707 23.41%
20,319 75,100 8.59%
57,975 57,975 3.92%
241,063 241,683 5.98%
557,727 1,133,556 11.82% 0.53%
Placement with Other Banks Marketable Securities Issued by Third Parties or Bank Indonesia Loans to Third Parties a. Small Scale Business Credit b. Property Loans i. Restructured ii. Unrestructured c. Other Restructured Loans d. Others Investment in Third Parties a. Non Bank Financial Institutions b. Loan Restructuring Program Other Receivables Commitment and Contingencies
Placement with Other Banks Marketable Securities Issued by Third Parties or Bank Indonesia Loans to Third Parties a. Small Scale Business Credit b. Property Loans i. Restructured ii. Unrestructured c. Other Restructured Loans d. Others Investment in Third Parties a. Non Bank Financial Institutions b. Loan Restructuring Program Other Receivables Commitment and Contingencies TOTAL Compulsory Allowance for Earning Asset Losses Established Allowance for Earning Asset Losses Collateralized Assets a. To Bank Indonesia b. To Third Parties Percentage of Small Scale Business to Total Loans (%) Smal Scale Business Debtors to Total Debtors (%)
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI Per 31 Maret 2006 dan 2005 (Tidak Diaudit)
STATEMENT OF COMMITMENTS AND CONTINGENCIES as of March 31, 2006 and 2005 (Unaudited)
(dalam jutaan rupiah)
(Rupiah in million) BANK
No
1.
2.
1.
2.
3.
1.
2.
3.
1.
2. 3.
POS - POS
31.03.2006
CONSOLIDATED 31.03.2006 31.03.2005
31.03.2005
DESCRIPTIONS
KOMITMEN
COMMITMENTS
Tagihan Komitmen Fasilitas pinjaman yang diterima dan belum digunakan a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Komitmen
Commitment Receivables 1. Unused Fund Borrowings Facilities a. Rupiah b. Foreign Exchange 2. Others Total Commitment Receivables
Kewajiban Komitmen Fasilitas kredit kepada nasabah yang belum ditarik - pihak ketiga a. Rupiah b. Valuta asing Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor - Pihak terkait dengan bank - Pihak lain Lainnya Jumlah Kewajiban Komitmen JUMLAH KOMITMEN BERSIH
-
-
1,990 59 2,049
-
3,138,132 218,632
2,653,407 202,857
3,145,189 218,632
2,658,010 202,857
157,154 261,518 3,775,436 (3,775,436)
330,675 3,186,939 (3,186,939)
157,154 261,518 3,782,493 (3,782,493)
330,675 3,191,542 (3,191,542)
Commitment Payables 1. Unused Loan Facilities Granted a. Rupiah b. Foreighn Exhange 2. Outstanding Irrevocable Letters of Credit for Import and Export - Related parties - Other parties 3. Others Total Commitment Payables TOTAL NET COMMITMENTS
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
Contingenciy Receivables 1. Bank Guarantees Received a. Rupiah b. Foreign Currencies 2. Interest Receivables on Non-Performing Loans a. Rupiah b. Foreign Currencies 3. Others Total Contingencies 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 Revocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Kontinjensi JUMLAH KONTINJENSI BERSIH
-
-
-
-
68,841 11,811 4,518 85,170
26,213 18,859 45,072
71,912 11,811 4,698 88,421
29,225 18,859 262 48,346
8,457 203,663
481 230,312
8,457 203,663
481 230,312
11,815 36,360 3,510
138 113,568 132
11,815 36,360 3,510
138 113,568 132
263,805 (178,635)
344,631 (299,559)
263,805 (175,384)
344,631 (296,285)
Contingency Payables 1. Guarantees Issued in the forms of: a. Bank Guarantees - Rupiah - Related parties - Other parties - Foreign Currencies - Related parties - Other parties b. Others 2. Outstanding Revocable Letters of Credit for Import and Export 3. Others Total Contingency Payables TOTAL NET CONTINGENCIES
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM Per 31 Maret 2006 dan 2005 (Tidak Diaudit)
CALCULATION OF CAPITAL ADEQUACY RATIO as of March 31, 2006 and 2005 (Unaudited)
(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 (-/-) 3. Goodwill ( -/- ) B. MODAL PELENGKAP ( Maks. 100 % dari Modal Inti ) 1. Cadangan Revaluasi Aktiva Tetap 2. Cadangan Umum Penyisihan Penghapusan Aktiva Produktif/ PPAP (maks. 1,25% dari ATMR) 3. Modal Pinjaman 4. Pinjaman Subordinasi (maks. 50% dari Modal Inti) 5. Peningkatan harga saham pada portofolio tersedia untuk dijual (45%) C. MODAL PELENGKAP TAMBAHAN YANG MEMENUHI PERSYARATAN D. MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI II. TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B) III. TOTAL MODAL INTI, MODAL PELENGKAP DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKAISKAN UNTUK MENGANTISIPASI RESIKO PASAR (A+B+D) IV. PENYERTAAN ( -/- ) V. TOTAL MODAL UNTUK RESIKO KREDIT ( II - IV ) VI. TOTAL MODAL UNTUK RESIKO KREDIT DAN 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 (V:VII) X. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA UNTUK RESIKO KREDIT DAN RESIKO PASAR (VI:(VII+VIII)) XI. RASIO KELEBIHAN MODAL PELENGKAP TAMBAHAN ((C-D):(VII+VIII)) XII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG DIWAJIBKAN
31.03.2006
31.03.2005
2,364,892 1,300,534
2,022,279 1,300,534
5,655,284 (4,630,169) 39,243 -
5,655,284 (5,000,400) 66,861 -
338,249 43,574
379,195 43,574
294,675 -
222,662 112,959 -
26,302
18,608 18,223
2,703,141 2,729,443 104,857 2,598,284 2,624,586 23,754,407 832,342 10.9% 10.7% 0.0% 8.0%
DESCRIPTIONS I. COMPONENTS A. CORE CAPITAL 1. Paid Up Capital 2. Disclosed Reserves a. Agio b. Disagio ( -/- ) c. Donated Capital d. General and Appropriated Reserves e. Previous Years Profit After Tax f. Previous Years Losses (-/-) g. Current Year Profit after Tax ( 50% ) h. Current Year Losses ( -/- ) i. Translation Adjustment of Overseas Branch Office Financial Statement 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 ( -/- ) B. SUPPLEMENTARY CAPITAL ( Max. 100 % of Core Capital) 1. Reserves of Fixed Asset Revaluation 2.General Reserves of Allowance for Earning Asset (max. 1,25% of Risk Weighted Assets) 3. Loan Capital 4. Subordinated Loan (max 50% of Core Capital) 5. Gain in Value of Equity Participation in Portfolio Available for Sale (45%) C. TOTAL SUPPLEMENTARY CAPITAL WHICH FULFILL THE REQUIREMENTS D. ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATED MARKET
2,401,474 II. TOTAL CORE AND SUPPLEMENTARY CAPITAL (A+B) III. TOTAL CORE, SUPPLEMENTARY CAPITAL AND ADDITIONAL SUPPLEMENTARY 1,993,654 CAPITAL OF ANTICIPATED MARKET RISK (A+B+D) 82,379 IV. EQUITY PARTICIPATIONS ( -/- ) 2,319,095 V. TOTAL CAPITAL FOR CREDIT RISK ( II - IV ) 2,337,318 VI. TOTAL CAPITAL FOR CREDIT AND MARKET RISK (III - V) 17,812,973 VII. RISK-WEIGHTED ASSET 320,829 VIII. MARKET RISK WEIGHTED ASSET 13.0% IX. CAPITAL ADEQUACY FOR CREDIT RISK RATIO (V:VII) 12.9% X. CAPITAL ADEQUACY OF CREDIT RISK AND MARKET RISK RATIO (VI: (VII+VIII)) 0.0% XI. EXCESS ADDITIONAL SUPPLEMENTARY CAPITAL RATIO ((C-D):(VII+VIII)) 8.0% XII. REQUIRED MINIMUM CAPITAL ADEQUACY RATIO
*) 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. *) Presented without calculating the effect of deferred tax asset with respect to Bank Indonesia's regulation No.3/21/PBI/2001 dated 13 December 2001 re: minimum capital adequacy requirement.
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN RASIO KEUANGAN Per 31 Maret 2006 dan 2005 (Tidak Diaudit)
FINANCIAL RATIO as of March 31, 2006 and 2005 (Unaudited) BANK
No.
31.03.2006
RASIO ( % )
I. Permodalan 1. CAR dengan resiko kredit 2. CAR dengan resiko pasar 3. Aktiva tetap terhadap modal II. Aktiva Produktif 1. Aktiva produktif bermasalah 2. PPAP terhadap aktiva produktif 3. Pemenuhan PPAP 4. NPL - Gross 5. NPL - Net III. Rentabilitas 1. ROA 2. ROE 3. NIM 4. BOPO IV. Likuiditas LDR V. 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
PENGURUS BANK / MANAGEMENT
31.03.2005
10.9% 10.7% 51.3%
13.0% 12.9% 45.4%
4.3% 3.4% 135.5% 5.6% 2.9%
2.3% 4.3% 204.9% 3.3% 1.4%
1.2% 12.6% 5.5% 91.9%
2.5% 26.4% 5.9% 79.3%
76.5%
69.4%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0% 8.0% 1.7%
0.0% 0.0% 7.1% 5.2%
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 Earning Assets Losses to Earning Assets 3. Compliance of Allowance for Earning Assets Losses 4. NPL - Gross 5. NPL - Net III. Rentability 1. ROA 2. ROE 3. NIM 4. Operating Expenses to Operating Revenues IV. Liquidity LDR V. Compliance 1. a. Percentage Violation of Legal Lending Limit (LLL) a. 1. Related Parties a. 2. Non-Related Parties b. Percentage of LLL excess b. 1. Related Parties b. 2. Non-Related Parties 2. Reserve Requirement (Rupiah) 3. Net Open Position
PEMILIK BANK / SHAREHOLDERS
Dewan Komisaris / Board of Commissioners - Komisaris Utama / President Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris Independen / Independent Comm. - Komisaris Independen / Independent Comm. - Komisaris Independen / Independent Comm.
DR. Mulia P. Nasution Rachmat Saptaman DR. Ir. Lukita Dinarsyah Tuwo Mark Edward Hansen Wilson Chia Yew Hock Adam Phillip Charles Keswick* Gunawan Geniusahardja DR. Tirta Hidayat Deswandhy Agusman Drs. Chandra Purnama, MBA
Direksi / Board of Directors - Direktur Utama / President Director - Direktur Kepatuhan / Compliance Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director
Stewart Donald Hall Elvyn Gahadi Masassya Hans Jurgen Theilkuhl Krishnan Subramania Raman Julius Aslan Andrew Hardi Hanubrata Ir. Ongki Wanadjati Dana Joseph Georgino Godong Irman Alvian Zahiruddin Mahdi Syahbuddin
* Efektif setelah mendapat persetujuan Bank Indonesia /Effective after approval from Bank Indonesia
PT Astra International Tbk
31.55%
Standard Chartered Bank
31.55%
PT Perusahaan Pengelola Aset (PPA) qq. Menteri Keuangan Republik Indonesia
26.16%
Masyarakat Public Jumlah Total
10.74%
100.00%
PT BANK PERMATA TBK
PT BANK PERMATA TBK
TRANSAKSI VALUTA ASING DAN DERIVATIF Per 31 Maret 2006 (Tidak Diaudit)
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE as of March 31, 2006 (Unaudited)
( dalam jutaan rupiah ) No.
(Rupiah in million) TRANSAKSI
Nilai Pasar dar Kontrak / Market Value of the Contract Hedging
A. 1 2 3
Terkait dengan Nilai Tukar Spot Forward Option a. Purchased b. Written 4 Future 5 Swap 6 Lainnya
B. Terkait dengan Suku Bunga 1 Forward 2 Option a. Purchased b. Written 3 Future 4 Swap 5 Lainnya C. Lainnya JUMLAH
Lainnya / Others
Tagihan dan Kewajiban Derivatif / Derivative Receivables and Payables Tagihan / Receivables
Kewajiban / Liabilities
Contract Value with Netting Agreement
-
880,741
14,446
12,231
-
-
3,524 4,068 -
102 -
87 -
-
-
-
-
-
-
-
-
-
-
-
-
888,333
14,548
12,318
-
No.
TRANSACTION
A. 1 2 3
Related to Exchange Rate Spot Forward Option a. Purchased b. Written 4 Future 5 Swap 6 Others
B. Related to Interest Rate 1 Forward 2 Option a. Purchased b. Written 3 Future 4 Swap 5 Others C. Others TOTAL
Catatan : - Informasi keuangan ini disusun berdasarkan laporan keuangan konsolidasi untuk tiga bulan yang berakhir pada tanggal 31 Maret 2006 dan 2005 (tidak diaudit), 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 November 2005 tentang Transparansi Kondisi Keuangan Bank, dan Surat Edaran Bank Indonesia No. 3/30/DPNP tanggal 14 Desember 2001 sebagaimana telah diubah dengan SE BI No.7/10/DPNP tanggal 31 Maret 2005 perihal Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang Disampaikan kepada Bank Indonesia. - Penyajian laporan keuangan konsolidasi ini disusun sesuai dengan Peraturan No. VIII.G.7 Lampiran Keputusan Peraturan Bapepam No. Kep-06/PM/2000 tanggal 13 Maret 2000 tentang Pedoman Penyajian Laporan Keuangan, Peraturan No. VIII.G.11, Lampiran Keputusan Ketua Bapepam No. Kep-40/PM/2003 tanggal 22 Desember 2003 tentang Tanggung Jawab Direksi Atas Laporan Keuangan, Peraturan No. I-E, Lampiran Keputusan Direksi PT Bursa Efek Jakarta No. Kep-306/BEJ/07-2004 tanggal 19 Juli 2004 tentang Kewajiban Penyampaian Informasi, dan Peraturan No. I.A.3 Lampiran Keputusan Direksi PT. Bursa Efek Surabaya No. SK-020/LGL/BES/XI/2004 tanggal 25 November 2004 tentang Kewajiban Pelaporan Emiten. - Jardine Matheson Holdings Limited (Bermuda) melalui PT Astra International Tbk, Standard Chartered PLC melalui Standard Chartered Bank dan Negara Republik Indonesia melalui PPA adalah ultimate shareholders sesuai Peraturan Bank Indonesia No. 5/25/PBI/2003 tanggal 10 November 2003 tentang Penilaian Kemampuan dan Kepatutan (Fit and Proper Test). - Untuk tujuan perbandingan, beberapa akun dalam laporan keuangan konsolidasi yang berakhir pada tanggal 31 Maret 2005 telah direklasifikasi agar sesuai dengan penyajian akun di dalam laporan keuangan konsolidasi yang berakhir pada tanggal 31 Maret 2006. - Kurs tukar valuta asing yang digunakan adalah sebagai berikut : 31 Maret 2005 : 1 USD = Rp9.065,50 31 Maret 2004 : 1 USD = Rp9.471,50 Note : - This financial statement is made based on Consolidated Financial Statements for period ended 31 March 2006 and 2005 (unaudited) with 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 Indonesia - 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 regarding Guidelines for the Preparation of Financial Statements, 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 re: Fit and Proper Test. - For comparation purpose, several accounts in the consolidated financial report for period ended 31 March 2005 had reclassified to conform with the consolidated financial report for period ended 31 March 2006. - The exchange rates: 31 March 2005 31 March 2004
: 1 USD = Rp9,065,50 : 1 USD = Rp9,471,50
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
SHARIA BUSINESS UNIT FINANCIAL INFORMATION PT BANK PERMATA Tbk
NERACA
BALANCE SHEET
per 31 Maret 2006 dan 2005 (Tidak Diaudit) (Dalam Jutaan Rupiah) No. 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
Pos - Pos AKTIVA Kas Giro Bank Indonesia Sertifikat Wadiah Bank Indonesia Penempatan pada Bank Syariah Lain PPAP - Penempatan pada Bank Syariah Lain Surat Berharga yang dimiliki PPAP - Surat Berharga yang Dimiliki -/Piutang Murabahah PPAP Piutang Murabahah -/Piutang lainnya PPAP Piutang lainnya -/Pembiayaan Mudharabah & Musyarakah PPAP - Pembiayaan -/Pendapatan yang masih akan diterima Biaya dibayar dimuka Aktiva Tetap Akumulasi Penyusutan Aktiva Tetap -/Aktiva lain-lain JUMLAH AKTIVA
as of 31 March 2006 and 2005 (Unaudited) (in million rupiah) 31-Mar-06
31-Mar-05
967 7,983 (619) 67,161 (53) 107,243 (1,976) 19,591 (196) 40 54 1,137 (229) 38 201,141
No. 457 1,110 1,500 (15) 1,049 (11) 2,178 (28) 11 130 458 (24) 34 6,849
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18
PASIVA 1 2 3 4 5 6 7
8
LIABILITIES
Dana Simpanan Wadiah Kewajiban Segera Lainnya Kewajiban Kepada Bank Indonesia (FPJPS) Kewajiban Kepada Bank Lain Surat Berharga Yang Diterbitkan Kewajiban lain-lain Dana Investasi Tidak Terikat
21,751 1,730 126,613 -
3,764 11 2,818 -
a. Tabungan Mudharabah b. Deposito Mudharabah Saldo Laba (Rugi) JUMLAH PASIVA
10,309 40,167 571 201,141
1,159 (903) 6,849
KOMITMEN DAN KONTIJENSI
1 2 3 4 5 6 7
Wadiah Demand Deposits Other Curren Liabilities Liabilities to Bank Indonesia (FPJPS) Liabilities to Other Banks Marketable Securities Issued Other Liabilities Unrestricted Investment Funds
8
a. Mudharabah Saving Deposits b. Mudharabah Time Deposits Retained Earnings (Accumlated Loss)
STATEMENT OF COMMITMENTS AND CONTINGENCIES
per 31 Maret 2006 dan 2005 (Tidak Diaudit) (Dalam Jutaan Rupiah)
No. 1 2 3 4
Account ASSETS Cash Current Accounts with Bank Indonesia Bank Indonesia Certificates of Wadiah Placement with Other Banks Allowance for Possible Losses Marketable Securities Allowance for Possible Losses Murabahah Receivables Allowance for Possible Losses Other Receivables Allowance for Possible Losses Mudharabah and Musyarakah Financing Allowance for Possible Losses Revenue Receivables Prepaid Expenses Premises and Equipments Accumulated Depreciation Other Asset TOTAL ASSETS
Pos - Pos Fasilitas Pembiayaan kepada Nasabah yang Belum Ditarik Irrevocable L/C yang Masih Berjalan Garansi (Kafalah) yang Diberikan lainnya
as of 31 March 2006 and 2005 (Unaudited) (Rupiah in million) 31-Mar-06
31-Mar-05
No. 1
8,354
-
2 3 4
Account Unused Financing Facilities Granted to Customers Outstanding Irrevocable L/C Guarantees (Kafalah) Issues Others
INFORMASI KEUANGAN UNIT USAHA SYARIAH PT BANK PERMATA Tbk
SHARIA BUSINESS UNIT FINANCIAL INFORMATION PT BANK PERMATA Tbk
LABA RUGI
STATEMENTS OF INCOME For Period of January 1 to March 31, 2006 and 2005 (Rupiah in million)
Untuk Periode Tiga Bulan Yang Berakhir Pada Tanggal 31 Maret 2006 dan 2005 (Dalam Jutaan Rupiah)
No. A.
B. C.
D. E.
F.
G. H. I. J. K. L.
Pos - Pos
31-Mar-06
PENDAPATAN OPERASIONAL 1. Margin Murabahah 2. Bagi hasil Mudharabah & Musyarakah 3. Bonus 4. Pendapatan Operasional Lainnya JUMLAH PENDAPATAN Bagi Hasil untuk Investor Dana Investor tdk terikat 1. Bank 2. Bukan Bank 3. Bank Indonesia (FPJPS) JUMLAH BAGI HASIL
A. 2,895 592
6 -
1,785 5,272
9 15
B. C.
(1,238)
(3)
(1,238)
(3) D. E.
Pendapatan operasional setelah distribusi bagi hasil untuk Investor dana investasi tidak terikat Beban Operasional 1. Bonus Wadiah 2. Penyisihan Penghapusan Aktiva Produktif 3. Beban Umum & Administrasi 4. Beban Personalia 5. Beban Lainnya JUMLAH BEBAN OPERASIONAL PENDAPATAN (BEBAN) OPERASIONAL BERSIH Pendapatan Non Operasional Beban Non Operasional LABA (RUGI) NON OPERASIONAL LABA (RUGI) TAHUN BERJALAN
No.
31-Mar-05
4,034
12 F. (32) (51) (312) (480) (36) (911) G. (899) H. I. (4) J. (4) K. (903) L.
(1,214) (845) (1,170) (235) (3,464) 570 1 571
LAPORAN PERUBAHAN DANA INVESTASI TERIKAT
1
2
3
Pos - Pos
Penarikan Dana -/Untung (Rugi) Investasi Beban / Biaya -/Fee / Penerimaan Bank -/Informasi Akhir Periode * Saldo Akhir
Operating Income After Distribution of Profit sharing for Investors of Unrestricted Investment Funds Expenses from Operations 1. Wadiah Bonuses 2. Provision for Possible Losses on Earning Assets 3. General and Administrative Expenses 4. Personnel Expenses\ 5. Other Expenses TOTAL OPERATING EXPENSES INCOME (EXPENSES) FROM OPERATION - NET Non Operating Income Non Operating Expenses NON OPERATING INCOME (EXPENSES) - NET NET INCOME (LOSS) FOR CURRENT PERIOD
As of 31 March 2006 and 2005 (Unaudited) (Rupiah in million) 31-Mar-06
No.
31-Mar-05
Informasi Awal Periode Periode Pembiayaan (Project) * Saldo Awal Informasi Periode Berjalan Penerimaan Dana
Investors' Share on Returns of Unrestricted Investment Funds 1. Banks 2. Non Banks 3. Bank Indonesia (FPJPS) TOTAL PROFIT SHARING
STATEMENTS OF CHANGES IN RESTRICTED INVESTMENT FUNDS
Per 31 Maret 2006 dan 2005 (Tidak Diaudit) (Dalam Jutaan Rupiah)
No.
Account INCOME FROM OPERATIONS 1. Murabahah Margin 2. Mudharabah & Musyarakah Profit Sharing 3. Bonuses 4. Other Operating Income TOTAL OPERATING INCOME
1 -
-
-
-
-
-
-
-
2
3
Beginning of Period Information Financing Portfolio (Project) *Beginning Balance Current Period Information Acceptance of Funds Withdrawal of Funds Gain (Loss) on Investment Expenses / Costs Fee / Bank Commissions End of Period Information "Ending Balance
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
Untuk periode tiga bulan yang berakhir pada tanggal 31 Maret 2006 (Tidak Diaudit) (Dalam Jutaan Rupiah)
NO.
1.
2.
3.
Saldo
Pendapatan yg
Rata-Rata
Harus dibagi hasil
Nisbah
Average Outstanding
Revenue Subject to Profit Sharing
Nisbah
For Period of January 1 to March 31, 2006 (Unaudited) (Rupiah in million) PORSI PEMILIKAN DANA Jumlah Bonus dan Bagi Hasil Total Bonuses and Profit Sharing
JENIS PENGHIMPUNAN
Giro Wadiah a. Bank b. Non Bank - Rupiah - Valas Tabungan Mudharabah a. Bank b. Non Bank Deposito Mudharabah a. Bank - 1 bulan - 3 bulan - 6 bulan - 12 bulan
Indikasi Rate of Return Rate of Return Indication
NO.
1. -
-
0%
-
0%
23,089 39
-
-
-
11,105
143
0% 45%
64
2. 0% 7% 3.
-
-
0% 0% 0% 0%
-
0.00% 0.00% 0.00% 0.00%
b. Non Bank
TYPE OF FUNDS
Wadiah Demand Deposits a. Bank b. Non Bank - Rupiah - Foreign Exchange Mudharabah Savings a. Bank b. Non Bank Mudharabah Time Deposits a. Bank - 1 month - 3 months - 6 months - 12 months b. Non Bank
1. Rupiah
1. Rupiah
- 1 bulan - 3 bulan - 6 bulan - 12 bulan 2. Valas - 1 bulan - 3 bulan - 6 bulan - 12 bulan JUMLAH
43,314 3,653 340 530
558 47 4 7
65% 66% 66% 68%
363 31 3 5
10% 10% 10% 11%
3,459 18 -
45 0 -
9% 11% 0% 0%
4 0
1% 2% 0% 0%
85,547
804
470
- 1 month - 3 months - 6 months - 12 months 2. Foreign Exchange - 1 bulan - 3 bulan - 6 bulan - 12 bulan TOTAL
Catatan: - Kantor Cabang Syariah mulai beroperasi sejak tanggal 10 Novermber 2004 - Disusun untuk memenuhi Surat Edaran Bank Indonesia No. 7/56/DPbS tanggal 9 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: - Sharia Branches operating effectively since 10 November 2004 - 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 7 March 2006 regarding Annual Reports, Quarterly and Monthly Published Financial Statements and Certain Report form Bank Submitted to Bank Indonesia Jakarta, 19 April 2006 PT Bank Permata Tbk Unit Usaha Syariah Dewan Pengawas Syariah / Sharia Supervisory Board
Kepala Unit Usaha Syariah / Sharia Business Unit
(Prof. Dr. H. M. Amin Suma, SH. MA)
(Ismi Kushartanto)
