PT Bank Index Selindo Neraca (Balance Sheets) Per Desember 2012 Dan 2011 (As at December, 2012 and 2011)

PT BANK INDEX SELINDO
NERACA (BALANCE SHEETS)

Per Desember 2012 dan 2011 (As at December, 2012 and 2011)
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
DES 2011
ASET (ASSETS)
1
Kas (Cash)
46,116
43,459
Penempatan pada Bank Indonesia (Placement to Bank Indonesia)
312,661
365,216
Penempatan pada bank lain (Interbank placement)
125,157
107,852
Tagihan spot dan derivatif (Spot and derivatives claims)
Surat berharga (Securities)

a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit
and loss)
b. Tersedia untuk dijual (Available for sale)
c. Dimiliki hingga jatuh tempo (Hold to maturity)
d. Pinjaman yang diberikan dan piutang (Loan and receivables)
Surat berharga yang dijual dengan janji dibeli kembali (repo) (Securities sold under repurchase
agreement (repo))
Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (reverse repo) (Claims on
securities bought under reverse repo)
Tagihan akseptasi (Acceptance claims)
Kredit (Loans)
a. Diukur pada nilai wajar melalui laporan laba/rugi (Measured at fair value through profit
and loss)untuk dijual (Available for sale)
b. Tersedia
c. Dimiliki hingga jatuh tempo (Hold to maturity)
d. Pinjaman yang diberikan dan piutang (Loan and receivables)
327,860
327,860
35,403
129,251
10,103
4,850
3,274,803
2,732,237
3,274,803
Pembiayaan syariah 1) (Sharia financing 1))
Penyertaan (Equity investment)
12
Cadangan kerugian penurunan nilai aset keuangan -/- (Impairment on financial assets -/-)
c. Lainnya (Others)
195,049
11
b. Kredit (Loans)
10
a. Surat berharga (Securities)
195,049
4,652
4,652
-
2,732,237
24,199
24,150
49
13
Aset tidak berwujud (Intangible assets)
5,260
4,175
14
Akumulasi amortisasi aset tidak berwujud -/- (Accumulated amortisation on intangible assets
-/-)
3,560
2,946
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
DES 2011
15
Aset tetap dan inventaris (Fixed assets and equipment)
62,998
58,745
16
Akumulasi penyusutan aset tetap dan inventaris -/- (Accumulated depreciation on fixed assets
and equipment -/-)
33,705
30,543
17
Aset non produktif (Non Productive Asset)
1,616
1,616
a. Properti terbengkalai (Abandoned property)
1,616
1,616
c. Rekening tunda (Suspense accounts)
d. Aset antarkantor 2) (Interbranch assets)
b. Aset yang diambil alih
(Foreclosed assets)
19
i. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in

Indonesia)
ii. Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities
outside Indonesia)
Cadangan kerugian penurunan nilai dari aset non keuangan -/- (Imparment on Non Financial Assets
-/-)
Sewa pembiayaan 3) (Leasing 3))
20
Aset pajak tangguhan (Deferred tax assets)
21
Aset Lainnya (Other assets)
18
TOTAL ASET (TOTAL ASSETS)
3,562
3,206
37,994
33,748
4,201,616
3,621,716
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
DES 2011
LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)

LIABILITAS
(LIABILITIES)
Giro (Current account)
Tabungan (Saving account)
Simpanan berjangka (Time deposit)
Dana investasi revenue sharing 1) (Revenue sharing investment 1))
Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia)
Pinjaman dari bank lain (Interbank liabilities)
Liabilitas spot dan derivatif (Spot and derivatives liabilities)
Utang atas surat berharga yang dijual dengan janji dibeli kembali (repo) (Liabilities on
securities sold under repurchase agreement)
Utang akseptasi (Acceptance liabilities)
532,598
449,546
365,126
323,235
2,796,113
2,425,989
-
26,784
10,120
79,523
4,852
10
Surat berharga yang diterbitkan (Issued securities)
11
Pinjaman yang diterima (Loans received)
a. Pinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as capital)
b. Pinjaman yang diterima lainnya (Other loans received)
12
Setoran jaminan (Margin deposit)
13
Liabilitas antarkantor 2) (Interbranch liabilities)
14
a. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in

Melakukan kegiatan operasional di luar Indonesia (Conducting operational activities outside
b. Indonesia)
Indonesia)
Liabilitas
pajak tangguhan (Deferred tax liabilities)
15
Liabilitas lainnya (Other liabilities)
16
Dana investasi profit sharing 1) (Profit Sharing investment 1))

TOTAL LIABILITAS (TOTAL LIABILITIES)
EKUITAS (EQUITIES)
Modal disetor (Paid in capital)

a. Modal dasar
(Capital)
b. Modal yang belum disetor -/- (Unpaid capital -/-)

c. Saham yang dibeli kembali (treasury stock) -/- (Treasury stock -/-)
2
15
53,219
3,783,975
-
781
39,167
3,323,093
-
205,001
160,001
600,000
600,000
394,999
439,999
a. Agio (Agio)
b. Disagio -/- (Disagio -/-)
c. Modal sumbangan (Donated capital)
d. Dana setoran modal (Fund for paid up capital)
e. Lainnya (Others)
Tambahan modal disetor (Additional paid in capital)
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
Pendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (loss))
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation
adjustment from foreign currency)
b. Keuntungan(kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk
dijual (Gain (loss) on value changes of financial assets categorized as available for sale)
c. Bagian efektif lindung nilai arus kas (Effective portion of cash flow hedge)
d. Selisih penilaian kembali aset tetap (Difference in fixed asset revaluation)
e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other comprehensive
income from associates)
f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit
actuarial program)
g. Pajak penghasilan terkait dengan laba komprehensif lain (Income tax of other comprehensive
Lainnya (Others)
h. income)
Selisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4))
5
6
Selisih restrukturisasi entitas sepengendali 5) (Difference in restructuring under common

control
Ekuitas 5))
Lainnya (Other Equity)
Cadangan (Reserves)
a. Cadangan umum (General reserves)
b. Cadangan tujuan (Appropriated reserves)
Laba/rugi (Gain/loss)
a. Tahun-tahun lalu (Previous years)
b. Tahun berjalan (Current year)
TOTAL EKUITAS YANG DAPAT DIATRIBUSIKAN KEPADA PEMILIK (TOTAL EQUITIES ATTRIBUTABLE TO OWNERS)
DES 2011
Kepentingan non pengendali 6) (Minority interest 6))

TOTAL EKUITAS (TOTAL EQUITIES)
TOTAL LIABILITAS DAN EKUITAS (TOTAL LIABILITIES AND EQUITIES)
(1,955)
(1,955)
140,577
110,386
140,577
110,386
74,018
-
30,191
-
74,018
30,191
417,641
298,623
417,641
298,623
4,201,616
3,621,716
K INDEX SELINDO
(BALANCE SHEETS)
011 (As at December, 2012 and 2011)
(dalam jutaan rupiah/In Million IDR)

KONSOLIDASI (CONSOLIDATION)
DES 2012
DES 2011

DES 2012
DES 2011

DES 2012
DES 2011

DES 2012
DES 2011

LAPORAN LABA-RUGI (INCOME STATEMENTS)
(dalam
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
DES 2011
PENDAPATAN DAN BEBAN OPERASIONAL (OPERATIONAL INCOME AND EXPENSES)

A.
Pendapatan dan Beban Bunga (Interest income and expenses)
1.
Pendapatan Bunga (Interest income)

a. Rupiah (Rupiah)
b. Valuta Asing (Foreign currency)
2.
Beban Bunga (Interest expenses)

a. Rupiah (Rupiah)
Pendapatan (Beban) Bunga bersih (Net interest income (expenses))
B.
Pendapatan dan Beban Operasional selain Bunga (Operational Income and Expenses Other than
Interest)
1.
Pendapatan Operasional Selain Bunga (Operational Income Other than Interest)

a. Peningkatan nilai wajar aset keuangan (Positive mark to market on financial assets)
396,771
314,656
390,369
310,796
6,402
3,860
219,204
188,827
216,785
187,438
2,419
1,389
177,567
125,829
59,918
16,164
i.
ii.
Kredit (Loans)
iii. Spot dan derivatif (Spot and derivatives)
iv. Aset keuangan lainnya (Other financial assets)
b. Penurunan nilai wajar liabilitas keuangan (Negative mark to market on financial

liabilities)
penjualan aset keuangan (Gain on sale of financial assets)
c. Keuntungan
i.
ii.
Kredit (Loans)
iii. Aset keuangan lainnya (Other financial assets)

d. Keuntungan transaksi spot dan derivatif (realised) (Gain on spot and derivatives
(realised))
e. Keuntungan dari penyertaan dengan equity method (Gain on investment under equity
method)
f. Dividen (Dividend)
g. komisi/provisi/fee dan administrasi (Comission/provision/fee and administration)
10,311
8,826
h. Pemulihan atas cadangan kerugian penurunan nilai (Recovery of asset impairment)
49,487
7,043
120
295
i. Pendapatan lainnya (Other income)
(dalam
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
2.
Beban Operasional Selain Bunga (Operational Expenses Other than Interest)

a. Penurunan nilai wajar aset keuangan (Negative mark to market on financial assets)
i. Surat berharga (Securities)
140,476
DES 2011
104,489
ii. Kredit (Loans)
iii. Spot dan derivatif (Spot and derivatives)
b. Peningkatan nilai wajar liabilitas keuangan (Positive mark to market on financial

c. liabilities)
Kerugian penjualan aset keuangan (Loss on sale of financial assets)
i.
ii.

Kredit (Loans)
iii. Aset keuangan lainnya (Other financial assets)

d. Kerugian transaksi spot dan derivatif (realised) (Loss on spot and derivatives
Kerugian penurunan nilai aset keuangan (impairment) (Impairment of financial assets)
e. (realised))
i.
ii.
Kredit (Loans)
30,125
30,125
12,240
11,986
iii. Pembiayaan syariah (Sharia financing)
254
f. Kerugian terkait risiko operasional *) (Losses on operational risk *))
g. Kerugian dari penyertaan dengan equity method (Losses on investment under equity
method)
h. Komisi/provisi/fee dan administrasi (Commission/provision/fee, and administration)
i. Kerugian penurunan nilai aset lainnya (non keuangan) (Impairment of other assets (non
financial assets))
j. Beban tenaga kerja (Personnel expenses)

k. Beban promosi (Promotion expenses)
l. Beban lainnya (Other expenses)
Pendapatan (Beban) Operasional Selain Bunga Bersih (Net Operational Income (Expenses)
Other than Interest )
LABA (RUGI) OPERASIONAL (OPERATIONAL PROFIT (LOSS))
61,022
49,766
1,643
1,921
47,686
40,562
(80,558)
(88,325)
97,009
37,504
(dalam
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
PENDAPATAN DAN
1.
2.
3.
Keuntungan (kerugian) penjualan aset tetap dan inventaris (Gain (loss) on sale of fixed
assets and equipment)
Keuntungan (kerugian) penjabaran transaksi valuta asing (Gain (loss) on foreign exchange
translation )
105
272
1,678
775
Pendapatan (beban) non operasional lainnya (Other non operational income (expenses) )
LABA (RUGI) NON OPERASIONAL (NON OPERATIONAL PROFIT (LOSS))
4.
DES 2011
(BEBAN) NON OPERASIONAL (NON OPERATIONAL INCOME (EXPENSES) )
(1)
48
1,782
1,095
LABA (RUGI) TAHUN BERJALAN SEBELUM PAJAK (CURRENT YEAR PROFIT (LOSS))
98,791
38,599
Pajak Penghasilan (Income taxes)
24,773
8,408
25,129
8,786
356
378
74,018
30,191
a. Taksiran pajak tahun berjalan (Estimated current year tax)

b. Pendapatan (beban) pajak tangguhan (Deferred tax income (expenses))
LABA (RUGI) TAHUN BERJALAN SETELAH PAJAK BERSIH (NET PROFIT (LOSS))
PENDAPATAN KOMPREHENSIF LAIN (OTHER COMPREHENSIVE INCOME)
a. Penyesuaian akibat penjabaran laporan keuangan dalam mata uang asing (Translation
adjustment from foreign currency)
b. Keuntungan (kerugian) dari perubahan nilai aset keuangan dalam kelompok tersedia untuk
dijual (Gain (loss) on value changes of financial assets categorized as available for
) efektif dari lindung nilai arus kas (Effective portion of cash flow hedge)
c. sale
Bagian
d. Keuntungan revaluasi aset tetap (Gain on fixed asset revaluation)
e. Bagian pendapatan komprehensif lain dari entitas asosiasi (Portion of other

comprehensive income from associates)
f. Keuntungan (kerugian) aktuarial program manfaat pasti (Gain (loss) on defined benefit
actuarial program)
g. penghasilan terkait dengan laba komprehensif lain(-/-) (Income tax of other
comprehensive income(-/-))
h. Lainnya (Others)
Pendapatan Komprehensif lain tahun berjalan - net pajak penghasilan terkait (Other
comprehensive income of the current year - net of applicable income tax)
TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL COMPREHENSIVE PROFIT)
74,018
30,191
74,018
30,191
LABA YANG DAPAT DIATRIBUSIKAN KEPADA (PROFIT ATTRIBUTABLE TO):

a. PEMILIK (OWNER)
b. KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)
TOTAL LABA TAHUN BERJALAN (CURRENT YEAR TOTAL PROFIT)
74,018
30,191
74,018
30,191
TOTAL LABA KOMPREHENSIF YANG DAPAT DIATRIBUSIKAN KEPADA (TOTAL COMPREHENSIVE PROFIT
ATTRIBUTABLE TO):
a. PEMILIK (OWNER)
(dalam
NO.
BANK
POS-POS (ACCOUNTS)
DES 2012
b. KEPENTINGAN NON PENGENDALI (MINORITY INTEREST)
TOTAL LABA KOMPREHENSIF TAHUN BERJALAN (CURRENT YEAR TOTAL COMPREHENSIVE PROFIT)
74,018
DES 2011
30,191
TRANSFER LABA (RUGI) KE KANTOR PUSAT **) (TRANSFER OF PROFIT(LOSS) TO HEAD OFFICE)
DIVIDEN (DIVIDEND)
LABA BERSIH PER SAHAM ***) (NET EARNINGS (LOSS) PER SHARE ***))
NK INDEX SELINDO
RUGI (INCOME STATEMENTS)

KONSOLIDASI
(CONSOLIDATION)
DES 2012
DES 2011

KONSOLIDASI
(CONSOLIDATION)
DES 2012
DES 2011

KONSOLIDASI
(CONSOLIDATION)
DES 2012
DES 2011

KONSOLIDASI
(CONSOLIDATION)
DES 2012
DES 2011

LAPORAN KOMITMEN DAN KONTIJENSI (COMMITMENTS AND CONTINGENCIES STATEMENTS)
NO.
I
1.
BANK
POS-POS (ACCOUNTS)
DES 2012
DES 2011
TAGIHAN KOMITMEN (COMMITTED CLAIMS)
Fasilitas pinjaman yang belum ditarik (Unused borrowing)
a. Rupiah (Rupiah)
2.
Posisi pembelian spot dan derivatif yang masih berjalan (Outstanding spot and derivatives
(purchased))
3.
Lainnya (Others)
II
KEWAJIBAN KOMITMEN (COMMITED LIABILITIES)
785,682
537,260
1.
Fasilitas kredit kepada nasabah yang belum ditarik (Undisbursed loan facilities to debtors)
779,775
526,285
a. BUMN (BUMN)
- Rupiah (Rupiah)
- Valuta Asing (Foreign Currency)
- Rupiah (Rupiah)
i. Committed (Committed)
ii. Uncommitted
(Uncommitted )
b. Lainnya (Others)
i.
Committed (Committed )
ii. Uncommitted (Uncommitted)

2.
526,285
779,775
526,285
-
- Rupiah (Rupiah)
- Rupiah (Rupiah)
Fasilitas kredit kepada bank lain yang belum ditarik (Undisbursed loan facilities to other
banks)
a. Committed (Committed)
Irrevocable L/C yang masih berjalan (Outstanding irrevocable L/C )

a. L/C luar negeri (Foreign L/C)
b. L/C dalam negeri (Local L/C)
4.
779,775
-
b. Uncommitted (Uncommitted )
3.
Posisi penjualan spot dan derivatif yang masih berjalan (Outstanding spot and derivatives
(sold))
5,907
10,975
5,907
10,975
5.
Lainnya
III
TAGIHAN KONTINJENSI (CONTINGENT CLAIMS)
1.
Garansi yang diterima (Received guarantees)
2.
(Others)
1,528
1,543
a. Rupiah (Rupiah)
1,528
1,543
1,528
1,543
Pendapatan bunga dalam penyelesaian (Accrued interest)

a. Bunga kredit yang diberikan (Loan interest)
b. Bunga lainnya (Other interest)
3.
Lainnya (Others)
IV
KEWAJIBAN KONTINJENSI (CONTINGENT LIABILITIES)
21,946
17,713
1.
Garansi yang diberikan (Issued guarantees)
21,946
17,713
21,946
17,713
a. Rupiah (Rupiah)
2.
Lainnya (Others)
NK INDEX SELINDO
(COMMITMENTS AND CONTINGENCIES STATEMENTS)

DES 2012
DES 2011

TRANSAKSI SPOT DAN DERIVATIF (SPOT AND DERIVATIVE TRANSACTIONS)
Per Desember 2012 (As at December, 2012)
Bank
NO.
POS-POS (ACCOUNTS)
Nilai National
(National
Value)
Tujuan (Purpose)
Trading
Hedging
A.
Terkait dengan Nilai Tukar (Exchanged Rate Related)
1.
Spot (Spot)
2.
Forward (Forward)
3.
Option (Option)
a. Jual (Purchased)
b. Beli (Written)
4.
Future (Future)
5.
Swap (Swap)
6.
Lainnya (Other)
B.
Terkait dengan Suku Bunga (Interest Rate Related)
1.
Forward (Forward)
2.
Option (Option)
a. Jual (Purchased)
b. Beli (Written)
3.
Future (Future)
4.
Swap (Swap)
5.
Lainnya (Other)
C.
Lainnya (Others)
JUMLAH (TOTAL)
BANK INDEX SELINDO

IVATIF (SPOT AND DERIVATIVE TRANSACTIONS)
er 2012 (As at December, 2012)
Bank
Tag. & Liabilitas Derivatif
(Claims & Liabilities Derivative)
Tagihan
(Claims)
Liabilitas
(Liabilities)
###
###
###
###
###
###
###
###
###
###
###
###
###
###

KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA
(QUALITY EARNING ASSETS OTHER INFORMATION STATEMENTS)
NO.
I
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
II
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
III
1.
2.
3.
4.
POS POS (Accounts)
Lancar
(Current)
DPK (Special
Mention)
Desember 2012
K. Lancar
(Sub Standar)
Diragukan
(Doubtful)
PIHAK TERKAIT (RELATED PARTIES)

Penempatan pada bank lain (Interbank placement )
a. Rupiah (Rupiah)
Tagihan spot dan derivatif (Spot dan derivative claims)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
Surat Berharga yang dijual dengan janji dibeli kembali (Repo) (Securities sold under
repurchase agreement (repo))
a. Rupiah (Rupiah)
Tagihan atas surat berharga yang dibeli dengan janji dijual kembali (Reverse Repo)
(Claims on securities bought under reverse repo)
a. Rupiah (Rupiah)
Tagihan Akseptasi (Acceptance claims)
Kredit (Loans)
a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM) (Micro, small and medium enterprises
(UMKM))
i. Rupiah (Rupiah)
ii. Valuta Asing (Foreign currency)
b. Bukan debitur UMKM (Non micro, small and medium enterprises (UMKM))
i. Rupiah (Rupiah)
c. Kredit yang direstrukturisasi (Restructured loans)
i. Rupiah (Rupiah)
d. Kredit Properti (Loan on property)
Penyertaan modal sementara (Temporary equity investment)
Komitmen dan Kontinjensi (Commitment and contingencies)
a.Rupiah (Rupiah)
b.Valuta Asing (Foreign currency)
Aset yang diambil alih (Foreclosed assets)
II. PIHAK TIDAK TERKAIT (NON-RELATED PARTIES)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a. Rupiah (Rupiah)
INFORMASI LAIN (OTHER INFORMATION)
Total aset bank yang dijaminkan (Assets pledged as collateral):
a. Pada Bank Indonesia (To Bank Indonesia)
b. Pada pihak lain (To other parties)
Total CKPN aset keuangan atas aset produktif (Impairment provision on earning assets)
Total PPA yang wajib dibentuk atas aset produktif (Required regulatory provision on
assets)
Persentase kredit kepada UMKM terhadap total kredit (Percentage of loans to micro,
small, and medium enterprises (UMKM) to total loans)
5.
Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit (Percentage of
loans to micro and small enterprises (UMK))
6.
Persentase jumlah debitur UMKM terhadap total debitur (Percentage of micro, small, and
medium enterprises (UMKM) debtor to total debtor)
7.
Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur (Percentage of
micro and small enterprises (UMK) debtor)
8.
Lainnya (Others)
a. Penerusan kredit (Channeling)
b. Penyaluran dana Mudharabah Muqayyadah (Mudharabah Muqayyadah)
c. Aset produktif yang dihapus buku (Written off earning assets)
d. Aset produktif dihapusbuku yg dipulihkan/berhasil ditagih (Written off earning
assets that has been re-collected)
###
###
###
###
###
###
###
###
###
###
###
###
###
355,933
18,794
###
###
###
###
###
18,794
337,139
337,139
988
21,431
21,431
-
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
125,157
92,013
33,144
327,860
322,672
5,188
-
###
###
###
###
###
###
###
###
###
###
35,403
###
###
###
###
###
###
35,403
10,103
2,886,981
1,753,206
26,202
16,307
1,180
1,178
1,750,958
2,248
1,133,775
1,043,896
89,879
167
167
227,280
786,197
778,791
7,406
-
16,307
9,895
9,317
578
5,226
-
1,178
2
2
2
-
###
###
###
###
###
###
###
###
###
###
###
e. Aset produktif yang dihapus

tagih Desember
(Charged off earning
assets)
Per
2012
dan 2011 (As at December, 2012 and 2011)

(dalam
jutaan rupiah/In Million IDR)
Per Desember 2012 dan 2011 (As at December, 2012 and
2011)
Desember 2012
NO.
I
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
II
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
III
1.
2.
3.
4.
POS POS (Accounts)
Macet
(Loss)
Jumlah
(Total)

a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a.Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
355,933
18,794
18,794
337,139
337,139
988
21,431
21,431
125,157
92,013
33,144
327,860
322,672
5,188
-
a. Rupiah (Rupiah)
35,403
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a. Rupiah (Rupiah)
assets)
4,507
3,233
35,403
10,103
2,918,870
1,773,924
3,233
1,274
1,274
84
84
1,214
1,616
1,771,676
2,248
1,144,946
1,054,489
90,457
251
251
233,722
786,197
778,791
7,406
1,616
4,652
38,194
54.74
5.
6.
58.92
7.
8.
Lainnya (Others)
1,616
1,616
-
e. Aset

produktif
dihapus tagih
(Charged
off2011
earning(As
assets)
Per yang
Desember
2012
dan
at December, 2012 and 2011)

NO.
I
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
II
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
III
1.
2.
3.
4.
POS POS (Accounts)
Lancar
(Current)
DPK (Special
Mention)
Desember 2011
K. Lancar
(Sub Standar)
Diragukan
(Doubtful)

a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
###
###
###
###
###
###
###
###
###
###
###
###
###
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a.Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
447,746
67,909
###
###
###
###
###
67,909
379,837
379,837
23,546
23,546
-
###
###
###
###
###
###
###
###
###
###
###
###
###
###
###
107,852
83,764
24,088
195,049
188,696
6,353
-
###
###
###
###
###
###
###
###
###
###
a. Rupiah (Rupiah)
129,251
###
###
###
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a. Rupiah (Rupiah)
assets)
5.
6.
7.
8.
Lainnya (Others)
129,251
4,850
2,259,984
1,449,081
11,519
5,425
4,476
4,166
###
###
###
1,907
1,907
1,447,264
1,817
810,903
763,760
47,143
165
165
262,851
531,427
519,025
12,402
-
5,425
6,094
6,094
13
13
5,061
-
4,166
310
310
310
-
1,907
###
###
###
###
###
###
###
###
###
###
1,566
e. Aset produktif yang dihapus

tagih
off earning
assets)
Per (Charged
Desember
2012
dan 2011 (As at December, 2012 and 2011)

(dalam
jutaan rupiah/In Million IDR)
Per Desember 2012 dan 2011 (As at December, 2012 and
2011)
Desember 2011
NO.
I
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
II
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
III
1.
2.
3.
4.
POS POS (Accounts)
Macet
(Loss)
Jumlah
(Total)

a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a.Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
a. Rupiah (Rupiah)
447,746
67,909
67,909
379,837
379,837
23,546
23,546
107,852
83,764
24,088
195,049
188,696
6,353
-
a. Rupiah (Rupiah)
129,251
a. Rupiah (Rupiah)
Kredit (Loans)
(UMKM))
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
i. Rupiah (Rupiah)
a. Rupiah (Rupiah)
assets)
6,605
5,074
129,251
4,850
2,284,491
1,465,653
5,074
1,531
1,531
111
111
1,506
50
1,463,836
1,817
818,838
771,695
47,143
289
289
269,728
531,427
519,025
12,402
1,616
24,198
24,198
56.13
5.
6.
57.90
7.
8.
Lainnya (Others)
1,881
1,881
-
e. Aset

produktif
dihapus tagih
(Charged
off2011
earning(As
assets)
Per yang
Desember
2012
dan
at December, 2012 and 2011)

PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM (KPMM)
(CAPITAL ADEQUACY RATIO CALCULATION)
DES 2012
NO.
POS-POS (ACCOUNTS)
KONSOLIDASI
(CONSOLIDATION)
BANK
I.
KOMPONEN MODAL (COMPONENTS)
A.
Modal Inti (Core Capital)
341,911
1.
Modal Disetor (Paid in Capital)
205,001
2.
Cadangan Tambahan Modal (Disclosed reserves)
136,910
2.1 Faktor penambah *) (Additional factors)
174,023
a. Agio (Agio)
b. Modal Sumbangan (Contributed capital)
c. Cadangan Umum (General reserves)
137,015
d. Cadangan Tujuan (Spesific reserves)
e. Laba tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years

profit which can be calculated into capital (100%))
f. Laba tahun berjalan yang dapat diperhitungkan (50%) (Current year profit
which can be calculated into capital (50%))
g. Selisih lebih karena penjabaran laporan keuangan (Positive translation
adjustment of financial statement)
h. Dana setoran modal (Capital fund)
37,008
i. Waran yang diterbitkan (50%) (Issued warrant (50%))
j. Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis

saham (50%) (Stock option issued related to compensation program)
2.2 Faktor Pengurang *) (Deduction factors)
37,113
a. Disagio (Disagio)
b. Rugi tahun-tahun lalu yang dapat diperhitungkan (100%) (Previous years

loss which can be calculated into capital (100%))
c. Rugi tahun berjalan yang dapat diperhitungkan (100%) (Current year loss
which can be calculated into capital (100%))
d. Selisih kurang karena penjabaran laporan keuangan (Negative translation
adjustment of financial statement)
e. Pendapatan komprehensif lain : Kerugian dari penurunan nilai wajar atas

penyertaan dalam kategori Tersedia untuk Dijual (Other comprehensive
income : losses from equity investment for available for sale category
(100%))

DES 2012
NO.
POS-POS (ACCOUNTS)
KONSOLIDASI
(CONSOLIDATION)
BANK
f. Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas
aset produktif (Negative differences between regulatory provision and
impairment of earning assets)
3.
4.
33,542
g. Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib
dihitung (Required regulatory provision on non productive assets)
1,616
h. Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan

dalam trading book (Negative differences on adjustment of fair value on
financial instrument in the trading book)
1,955
Modal Inovatif *) (Innovative Capital)
3.1 Surat berharga subordinasi (perpetual non kumulatif) (Subordinated

securities (perpetual non cumulative))
3.2 Pinjaman Subordinasi (perpetual non kumulatif) (Subordinated loans

(perpetual non cumulative))
3.3 Instrumen Modal Inovatif lainnya (Other innovative capital instruments)
Faktor Pengurang Modal Inti
4.1 Goodwill (Goodwill)
4.2 Aset tidak berwujud lainnya (Other intangible assets)
4.3 Penyertaan (50%) (Equity investment (50%))
4.4 Kekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the
capital of insurance subsidiary (50%))
*) (Deduction Factor of Tier 1 Capital)
B.
Kepentingan Non Pengendali (Minority Interest)

Modal Pelengkap (Suplementary Capital)
3,253
1.
Level Atas (Upper Tier 2)
3,253
1.1 Saham preferen (perpetual kumulatif) (Preferred stock (perpetual

cumulative))
1.2 Surat berharga subordinasi (perpetual kumulatif) (Subordinated securities
(perpetual cumulative))
1.3 Pinjaman Subordinasi (perpetual kumulatif) (Subordinated loans (perpetual

cumulative))
1.4 Mandatory convertible bond (Mandatory convertible bond)
*) (Upper Tier 2)

DES 2012
NO.
POS-POS (ACCOUNTS)
KONSOLIDASI
(CONSOLIDATION)
BANK
1.5 Modal Inovatif yang tidak diperhitungkan sebagai Modal inti (Innovative
capital which is not calculated as core (tier 1) capital)
1.6 Instrumen modal pelengkap level atas (upper tier 2) lainnya (Other
instruments of upper tier 2 capital)
1.7 Revaluasi aset tetap
3,253
1.9 Pendapatan komprehensif lain : Keuntungan dari peningkatan nilai wajar atas
penyertaan dlm kategori Tersedia untuk Dijual (45%) (Other comprehensive
income : gain from equity investment for)
Level Bawah (Lower Tier 2) maksimum 50% Modal Inti *) (Lower Tier 2 maximum 50%
of Tier 1 Capital)
2.1 Redeemable preference shares (Redeemable preference shares)
2.2 Pinjaman atau obligasi subordinasi yang dapat diperhitungkan (Subordinated

loans/bonds which can be calculated)
2.3 Instrumen modal pelengkap level bawah (lower tier 2) lainnya (Other
instruments of lower tier 2 capital)
Faktor Pengurang Modal Pelengkap *) (Deduction Factor of Tier 2 Capital)
3.1 Penyertaan (50%) (Equity investment (50%))
3.2 Kekurangan modal pada perusahaan anak asuransi (50%) (Shortfall on the
capital of insurance subsidiary (50%))
C.
Faktor Pengurang Modal Inti dan Modal Pelengkap (Deduction Factor for Tier 1
Capital and Tier 2 Capital)
D.
Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) (Additional

Supplementary Capital (Tier 3))
E.
Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko pasar

(Additional Supplementary Capital which is allocated to anticipate Market Risk)
(Fixed assets revaluation)
1.8 Cadangan umum aset produktif (maks 1,25% ATMR) (General provision of
earning assets (maximum 1,25% of RWA))
2.
3.
Eksposur Sekuritisasi (Exposure of Securitisation)
II.
TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) (TOTAL TIER 1 CAPITAL AND TIER 2
CAPITAL (A + B - C))
###
345,164

DES 2012
NO.
POS-POS (ACCOUNTS)
BANK
III. TOTAL MODAL INTI, MODAL PELENGKAP,DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN
UTK MENGANTISIPASI RISIKO PASAR (A+B-C+E) (TOTAL TIER 1 CAPITAL, TIER 2 CAPITAL,
AND TIER 3 CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK (A + B - C + E))
KONSOLIDASI
(CONSOLIDATION)
345,164
2,769,698
IV.
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT (RISK WEIGHTED ASSET
(RWA) FOR CREDIT RISK)
V.
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL (RISK WEIGHTED
ASSET (RWA) FOR OPERATIONAL RISK)
210,444
VI.
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR (RISK WEIGHTED ASSET
(RWA) FOR MARKET RISK)
4,306
VII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT DAN RISIKO
OPERASIONAL [II:(IV+V)] (CAPITAL ADEQUACY RATIO FOR CREDIT RISK AND OPERATIONAL
RISK [II:(IV+V)])
11.58
VIII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO
OPERASIONAL, DAN RISIKO PASAR [III : (IV + V + VI)] (CAPITAL ADEQUACY RATIO FOR
CREDIT RISK, OPERATIONAL RISK)
11.57
ANK INDEX SELINDO

N PENYEDIAAN MODAL MINIMUM (KPMM)
EQUACY RATIO CALCULATION)

DES 2011
KONSOLIDASI
(CONSOLIDATION)
BANK
274,328
160,001
114,327
122,086
###
###
107,180
###
###
14,906
###
###
###
###
7,759
###
###
###
###
###
ANK INDEX SELINDO


DES 2011
KONSOLIDASI
(CONSOLIDATION)
BANK
4,971
833
1,955
###
###
###
###
###
###
###
###
###
###
22,115
22,115
###
###
###
###
ANK INDEX SELINDO


DES 2011
KONSOLIDASI
(CONSOLIDATION)
BANK
-
###
###
22,115
###
###
###
###
###
###
###
###
###
###
###
###
296,443
ANK INDEX SELINDO


DES 2011
KONSOLIDASI
(CONSOLIDATION)
BANK
296,443
2,396,680
172,428
435
11.54
11.54

PERHITUNGAN RASIO KEUANGAN (FINANCIAL RATIO CALCULATIONS)
(dalam
BANK
NO.
I.
POS-POS (ACCOUNTS)
Rasio Kinerja (Performance Ratio)

1. Kewajiban Penyediaan Modal Minimum (KPMM) (CAR)
11.57
2. Aset produktif bermasalah dan aset non produktif bermasalah terhadap total aset produktif dan aset
non produktif (Non performing earning assets and non earning assets to total earning assets and non
earning assets)
3. Aset produktif bermasalah terhadap total aset produktif (Non performing earning assets and non
earning assets)
4. Cadangan kerugian penurunan nilai (CKPN) aset keuangan terhadap aset produktif (Impairment provision
on earning assets to total earning assets)
0.16
5. NPL gross (Gross NPL)
0.17
6. NPL net (Net NPL)
0.14
7. Return on Asset (ROA) (ROA)
2.45
8. Return on Equity (ROE) (ROE)

9. Net Interest Margin (NIM) (NIM)
II
DES 2012
0.12
0.10
24.23
4.89
10. Biaya Operasional terhadap Pendapatan Operasional (BOPO) (Operating Expenses to Operating Revenues)
76.05
11. Loan to Deposit Ratio (LDR) (LDR)
88.66
Kepatuhan (Compliance)
1.
a. Persentase Pelanggaran BMPK ( Percentage Violation of Legal Lending Limit)
i. Pihak terkait (Related parties)
ii. Pihak tidak terkait (Non related parties)
b. Persentase Pelampauan BMPK (Percentage Lending in Excess of The Legal Lending Limit)
2.
3.
i. Pihak terkait (Related parties)
ii. Pihak tidak terkait (Non related parties)
Giro Wajib Minimum (GWM) (Reserve Requirement (Rupiahs))
a. GWM Utama Rupiah (Reserve Requirement (Rupiah))
8.01
b. GWM Valuta asing (Reserve Requirement (Foreign currency))
8.19
Posisi Devisa Neto (PDN) secara keseluruhan (Net Open Position)
1.25
NK INDEX SELINDO
GAN (FINANCIAL RATIO CALCULATIONS)
(dalam persen/percent)
BANK
DES 2011
11.54
0.48
0.43
0.79
0.48
0.40
1.23
12.57
4.91
88.42
85.41
8.00
8.12
0.15

CADANGAN PENYISIHAN KERUGIAN (IMPAIRMENT LOSS ALLOWANCE)
DESEMBER 2012
NO.
POS-POS
CKPN (ILA)
Individual
DE
PPA Yang Wajib dibentuk

(Required Regulatory
Provision)
Kolektif
(Collective)
Umum
(General)
Khusus
(Specific)
CKPN (ILA)
Individual
1,252
###
Tagihan spot dan derivatif (Spot dan derivative

claims)
###
Surat Berharga (Securities)
263
###
Surat Berharga yang dijual dengan janji dibeli

kembali (Repo) (Securities sold under repurchase
agreement (repo))
###
Tagihan atas surat berharga yang dibeli dengan

janji dijual kembali (Reverse Repo) (Claims on
securities bought under reverse repo)
80
###
Tagihan akseptasi (Acceptance claims)
101
###
Kredit
Penyertaan
9
10
(Loans)
(Equity investment)
3,767
885
27,744
1,399
1,969
###
Penyertaan modal sementara (Temporary equity

investment)
###
Transaksi rekening adminitratif (Commitment and

contigencies)
7,355
###
ANK INDEX SELINDO

ERUGIAN (IMPAIRMENT LOSS ALLOWANCE)
n 2011 (As at December, 2012 and 2011)

DESEMBER 2011
PPA Yang Wajib dibentuk
(Required Regulatory
Provision)
CKPN (ILA)
Kolektif
(Collective)
Umum
(General)
Khusus
(Specific)
###
###
###
48
48
22,181
22,066
2,084
###
###
4,971

PT Bank Index Selindo Neraca (Balance Sheets) Per Desember 2012 Dan 2011 (As at December, 2012 and 2011)

Diunggah oleh

Informasi Dokumen

Judul Asli

Hak Cipta

Format Tersedia

Bagikan dokumen Ini

Bagikan atau Tanam Dokumen

Opsi Berbagi

Apakah menurut Anda dokumen ini bermanfaat?

Apakah konten ini tidak pantas?

Hak Cipta:

Format Tersedia

PT Bank Index Selindo Neraca (Balance Sheets) Per Desember 2012 Dan 2011 (As at December, 2012 and 2011)

Diunggah oleh

Hak Cipta:

Format Tersedia

PT BANK INDEX SELINDO

NERACA (BALANCE SHEETS)

Penempatan pada Bank Indonesia (Placement to Bank Indonesia)

Penempatan pada bank lain (Interbank placement)

Tagihan spot dan derivatif (Spot and derivatives claims)

Surat berharga (Securities)

Tagihan akseptasi (Acceptance claims)

Pembiayaan syariah 1) (Sharia financing 1))

Penyertaan (Equity investment)

a. Surat berharga (Securities)

Aset tidak berwujud (Intangible assets)

Aset tetap dan inventaris (Fixed assets and equipment)

Aset non produktif (Non Productive Asset)

a. Properti terbengkalai (Abandoned property)

c. Rekening tunda (Suspense accounts)

d. Aset antarkantor 2) (Interbranch assets)

b. Aset yang diambil alih

i. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in

Aset pajak tangguhan (Deferred tax assets)

Aset Lainnya (Other assets)

TOTAL ASET (TOTAL ASSETS)

LIABILITAS DAN EKUITAS (LIABILITIES AND EQUITIES)

Giro (Current account)

Tabungan (Saving account)

Simpanan berjangka (Time deposit)

Dana investasi revenue sharing 1) (Revenue sharing investment 1))

Pinjaman dari Bank Indonesia (Liabilities to Bank Indonesia)

Pinjaman dari bank lain (Interbank liabilities)

Liabilitas spot dan derivatif (Spot and derivatives liabilities)

Utang akseptasi (Acceptance liabilities)

Surat berharga yang diterbitkan (Issued securities)

Pinjaman yang diterima (Loans received)

a. Pinjaman yang dapat diperhitungkan sebagai modal (Loans calculated as capital)

b. Pinjaman yang diterima lainnya (Other loans received)

Setoran jaminan (Margin deposit)

Liabilitas antarkantor 2) (Interbranch liabilities)

a. Melakukan kegiatan operasional di Indonesia (Conducting operational activities in

Liabilitas lainnya (Other liabilities)

Dana investasi profit sharing 1) (Profit Sharing investment 1))

Modal disetor (Paid in capital)

b. Modal yang belum disetor -/- (Unpaid capital -/-)

b. Disagio -/- (Disagio -/-)

c. Modal sumbangan (Donated capital)

d. Dana setoran modal (Fund for paid up capital)

Tambahan modal disetor (Additional paid in capital)

Pendapatan (kerugian) komprehensif lainnya (Other comprehensive gain (loss))

d. Selisih penilaian kembali aset tetap (Difference in fixed asset revaluation)

Selisih kuasi reorganisasi 4) (Difference in quasi-reorganization 4))

Selisih restrukturisasi entitas sepengendali 5) (Difference in restructuring under common

Kepentingan non pengendali 6) (Minority interest 6))

011 (As at December, 2012 and 2011)

(dalam jutaan rupiah/In Million IDR)

(dalam jutaan rupiah/In Million IDR)

(dalam jutaan rupiah/In Million IDR)

(dalam jutaan rupiah/In Million IDR)

PT BANK INDEX SELINDO

PENDAPATAN DAN BEBAN OPERASIONAL (OPERATIONAL INCOME AND EXPENSES)

Pendapatan dan Beban Bunga (Interest income and expenses)

Pendapatan Bunga (Interest income)

Beban Bunga (Interest expenses)

Pendapatan Operasional Selain Bunga (Operational Income Other than Interest)

Surat berharga (Securities)

iii. Spot dan derivatif (Spot and derivatives)

f. Kerugian terkait risiko operasional ) (Losses on operational risk ))