FinancialStatement 2015 Tahunan BBNI
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Perseroan dengan ini menyampaikan laporan keuangan untuk Tahun Bulan yang berakhir pada 31/12/2015 dengan ikhtisar sebagai berikut :
Informasi mengenai anak perusahaan Perseroan sebagai berikut :
Dokumen ini merupakan dokumen resmi Bank Negara Indonesia Tbk yang tidak memerlukan tanda tangan karena dihasilkan secara elektronik.
Bank Negara Indonesia Tbk bertanggung jawab penuh atas informasi tertera di dalam dokumen ini.
Nomor Surat KMP/7/0248
Nama Emiten Bank Negara Indonesia Tbk
Kode Emiten BBNI
Perihal Penyampaian Laporan Keuangan Tahunan
Nama KegiatanUsaha
Lokasi TahunKomersil
Status Operasi Jumlah Aset Satuan MataUang
Persentase(%)
PT. BNI LifeInsurance
Asuransi Jiwa Jakarta 1997 9.937.568 JUTAAN IDR 60.0
PT. BNIMultifinance
Pembiayaan Jakarta 1983 177.298 JUTAAN IDR 99.98
PT. BNISecurities
Sekuritas Jakarta 1995 723.513 JUTAAN IDR 75.0
BNIRemittance Ltd
JasaKeuangan
Hongkong 1998 5.431 JUTAAN IDR 100.0
PT Bank BNI
Syariah
Perbankan Jakarta 2010 22.995.377 JUTAAN IDR 99.9
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[1000000] General information
Informasi umum General information31 December 2015
Nama entitas Bank Negara Indonesia Tbk Entity name
Penjelasan perubahan nama dari akhir
periode laporan sebelumnya
Explanation of change in name from the
end of the preceding reporting periodKode entitas BBNI Entity code
Nomor identifikasi entitas AA265 Entity identification number
Industri utama entitas Keuangan dan Syariah / Financial and Sharia
Entity main industry
Sektor 8. Finance Sector
Subsektor 81. Bank Subsector
Informasi pemegang saham pengendali Indonesian Government Controlling shareholder information
Jenis entitas Local Company - IndonesiaJurisdiction
Type of entity
Jenis efek yang dicatatkan Saham / Stock Type of listed securities
Jenis papan perdagangan tempatentitas tercatat Utama / Main Type of board on which the entity islisted
Apakah merupakan laporan keuangansatu entitas atau suatu kelompok entitas
Entitas grup / Group entity Whether the financial statements are ofan individual entity or a group of entities
Periode penyampaian laporankeuangan
Tahunan / Annual Period of financial statementssubmissions
Tanggal awal periode berjalan January 01, 2015 Current period start date
Tanggal akhir periode berjalan December 31, 2015 Current period end date
Tanggal akhir tahun sebelumnya December 31, 2014 Prior year end date
Tanggal awal periode sebelumnya January 01, 2014 Prior period start date
Tanggal akhir periode sebelumnya December 31, 2014 Prior period end date
Mata uang pelaporan Rupiah / IDR Description of presentation currency
Kurs konversi pada tanggal pelaporan jika mata uang penyajian selain rupiah
Conversion rate at reporting date ifpresentation currency is other than
rupiah
Pembulatan yang digunakan dalampenyajian jumlah dalam laporankeuangan
Jutaan / In Million Level of rounding used in financialstatements
Jenis laporan atas laporan keuangan Diaudit / Audited Type of report on financial statements
Jenis opini auditor Wajar Tanpa Pengecualian / Unqualified
Type of auditor's opinion
Hal yang diungkapkan dalam paragrafpendapat untuk penekanan atas suatumasalah atau paragraf penjelasanlainnya, jika ada
Matters disclosed in emphasis-of-matteror other-matter paragraph, if any
Hasil penugasan review Result of review engagement
Tanggal laporan audit atau hasil laporanreview
January 25, 2016 Date of auditor's opinion or result ofreview report
Auditor tahun berjalan Tanudiredja, Wibisana & Rekan Current year auditor
Nama partner audit tahun berjalan Angelique Dewi Daryanto, S.E.,CPA
Name of current year audit signingpartner
Lama tahun penugasan partner yangmenandatangani
1 Number of years served as audit signingpartner
Auditor tahun sebelumnya Tanudiredja, Wibisana, Rintis &Rekan
Prior year auditor
Nama partner audit tahun sebelumnya Drs. Haryanto Sahari, CPA Name of prior year audit signing partnerKepatuhan terhadap pemenuhanperaturan BAPEPAM LK VIII G 11tentang tanggung jawab direksi ataslaporan keuangan
Ya / Yes Whether in compliance with BAPEPAMLK VIII G 11 rules concerning
responsibilities of board of directors onfinancial statements
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Kepatuhan terhadap pemenuhanperaturan BAPEPAM LK VIII A duatentang independensi akuntan yangmemberikan jasa audit di pasar modal
Ya / Yes Whether in compliance with BAPEPAMLK VIII A two rules concerning
independence of accountant providingaudit services in capital market
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[4220000] Statement of financial position presented using order of liquidity -Financial and Sharia Industry
Laporan posisikeuangan
Statement of financialposition
31 December 2015 31 December 2014
Aset Assets
Kas 12,890,427 11,435,686 Cash
Giro pada bank indonesia 30,932,177 24,597,538 Current accounts with bankIndonesia
Giro pada bank lain Current accounts with otherbanks
Giro pada bank lain pihakketiga
8,999,699 4,497,429 Current accounts with otherbanks third parties
Cadangan kerugianpenurunan nilai pada giropada bank lain
( )906 ( )1,589 Allowance for impairmentlosses for current accounts
with other bank
Penempatan pada bankindonesia dan bank lain Placements with bankIndonesia and other banks
Penempatan pada bankindonesia dan bank lainpihak ketiga
33,416,808 14,529,531 Placements with bankIndonesia and other banks
third parties
Cadangan kerugianpenurunan nilai padapenempatan pada bank lain
( )0 ( )2,109 Allowance for impairmentlosses for placements with
other banks
Efek-efek yangdiperdagangkan
Marketable securities
Efek-efek yangdiperdagangkan pihak
ketiga
9,963,803 12,743,298 Marketable securities thirdparties
Cadangan kerugianpenurunan nilai padaefek-efek yangdiperdagangkan
( )36,309 ( )5,002 Allowance for impairmentlosses for marketable
securities
Efek yang dibeli dengan janjidijual kembali
376,215 6,237,356 Securities purchased underagreement to resale
Wesel ekspor dan tagihanlainnya
Bills and other receivables
Wesel ekspor dan tagihanlainnya pihak ketiga
8,857,823 2,302,372 Bills and other receivablesthird parties
Cadangan kerugian
penurunan nilai pada weselekspor dan tagihan lainnya
( )26,379 ( )1,061 Allowance for impairment
losses for bills and otherreceivables
Tagihan akseptasi Acceptance receivables
Tagihan akseptasi pihakketiga
10,899,801 12,531,441 Acceptance receivablesthird parties
Cadangan kerugianpenurunan nilai padatagihan akseptasi
( )79,188 ( )64,622 Allowance for impairmentlosses for acceptance
receivables
Tagihan derivatif Derivative receivables
Tagihan derivatif pihakketiga
440,701 165,093 Derivative receivables thirdparties
Pinjaman yang diberikan Loans
Pinjaman yang diberikanpihak ketiga
277,687,787 240,800,789 Loans third parties
Pinjaman yang diberikanpihak berelasi
48,417,362 36,821,492 Loans related parties
Cadangan kerugian ( )12,038,618 ( )6,970,295 Allowance for impairment
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penurunan nilai padapinjaman yang diberikan
losses for loans
Obligasi pemerintah 47,222,319 43,829,797 Government bonds
Biaya dibayar dimuka 1,632,641 1,392,242 Prepaid expenses
Pajak dibayar dimuka 2,299,174 1,436,609 Prepaid taxes
Aset pajak tangguhan 1,465,453 668,314 Deferred tax assets
Investasi pada entitas anak,ventura bersama, dan entitasasosiasi
Investments in subsidiaries,joint ventures and
associates
Investasi pada entitas anak 35,793 37,434 Investments in subsidiaries
Aset tetap 20,756,594 6,222,050 Property and equipment
Aset lainnya 4,482,111 3,369,915 Other assets
Jumlah aset 508,595,288 416,573,708 Total assets
Liabilitas, dana syirkahtemporer dan ekuitas
Liabilities, temporary syirkahfunds and equity
Liabilitas Liabilities
Liabilitas segera 1,805,494 1,813,065 Obligations dueimmediately
Simpanan nasabah Customers Deposits
Giro Current accounts
Giro pihak ketiga 71,523,740 64,624,911 Current accountsthird parties
Giro pihak berelasi 19,239,619 18,118,275 Current accountsrelated parties
Tabungan Savings
Tabungan pihakketiga
128,732,891 114,739,463 Savings third parties
Tabungan pihakberelasi
631,421 230,131 Savings relatedparties
Deposito berjangka Time deposits
Deposito berjangka
pihak ketiga
102,304,052 81,895,029 Time deposits third
partiesDeposito berjangkapihak berelasi
31,505,157 20,657,000 Time depositsrelated parties
Simpanan dari bank lain 4,248,058 2,401,871 Other banks deposits
Efek yang dijual dengan janji untuk dibeli kembali
3,163,142 2,491,931 Securities sold withrepurchase agreement
Liabilitas derivatif Derivative payables
Liabilitas derivatif pihakketiga
1,161,557 661,609 Derivative payablesthird parties
Liabilitas akseptasi 6,188,258 6,468,603 Acceptance payables
Pinjaman yang diterima Borrowings
Pinjaman yang diterimapihak ketiga 22,523,581 11,212,265 Borrowings third parties
Efek yang diterbitkan Securities issued
Obligasi 6,870,667 6,158,031 Bonds
Sukuk ijarah 0 Ijarah sukuk
Estimasi kerugiankomitmen dan kontinjensi
99,227 87,230 Estimated losses oncommitments and
contingencies
Beban akrual 917,129 659,592 Accrued expenses
Utang pajak 749,396 317,563 Taxes payable
Liabilitas lainnya 7,583,784 5,218,778 Other liabilities
Kewajiban imbalan pascakerja
3,480,504 3,393,307 post-employment benefitobligations
Jumlah liabilitas 412,727,677 341,148,654 Total liabilities
Dana syirkah temporer Temporary syirkah funds
Bukan bank Non-banks
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Giro mudharabah Mudharabah currentaccount
Giro mudharabahpihak ketiga
430,940 0 Mudharabah currentaccount third parties
Giro berjangkamudharabah pihakberelasi
10 Mudharabah currentaccount related
parties
Tabunganmudharabah
Mudharabah savingdeposits
Tabunganmudharabah pihakketiga
5,692,052 4,803,565 Mudharabah savingdeposits third parties
Tabunganmudharabah pihakberelasi
8,778 5,622 Mudharabah savingdeposits related
parties
Deposito berjangkamudharabah
Mudharabah timedeposits
Deposito berjangkamudharabah pihakketiga
10,347,566 8,818,720 Mudharabah timedeposits third parties
Deposito berjangka
mudharabah pihakberelasi
4,559 714 Mudharabah time
deposits relatedparties
Bank Bank
Giro mudharabah 11,938 0 Mudharabah currentaccount
Tabungan mudharabah(ummat)
138,660 67,884 Mudharabah savingdeposits (ummat)
Deposito berjangkamudharabah
298,886 707,241 Mudharabah timedeposits
Efek yang diterbitkanbank
Bank securities issued
Sukuk mudharabah 496,000 0 Mudharabah sukukJumlah dana syirkahtemporer
17,429,389 14,403,746 Total temporary syirkahfunds
Ekuitas Equity
Ekuitas yangdiatribusikan kepadapemilik entitas induk
Equity attributable toequity owners of parent
entity
Saham biasa 9,054,807 9,054,807 Common stocks
Tambahan modaldisetor
14,568,468 14,568,468 Additional paid-in capital
Saham tresuri ( )749,979 Treasury stocks
Cadangan 12,003,490 370,339 Reserves
Saldo laba (akumulasikerugian)
Retained earnings(deficit)
Saldo laba yangtelah ditentukanpenggunaanya
Appropriatedretained earnings
Cadangan umumdan wajib
2,778,412 2,778,412 General andlegal reserves
Cadangankhusus
5,705,376 3,909,726 Specific reserves
Saldo laba yangbelum ditentukanpenggunaannya
33,054,162 28,390,021 Unappropriatedretained earnings
Jumlah ekuitas yangdiatribusikan kepadapemilik entitas induk
76,414,736 59,071,773 Total equity attributableto equity owners of
parent entity
Kepentingannon-pengendali
2,023,486 1,949,535 Non-controlling interests
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Jumlah ekuitas 78,438,222 61,021,308 Total equity
Jumlah liabilitas, dana syirkahtemporer dan ekuitas
508,595,288 416,573,708 Total liabilities, temporarysyirkah funds and equity
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[4312000] Statement of profit or loss and other comprehensive income, OCIcomponents presented net of tax, by nature - Financial and Sharia Industry
Laporan laba rugi danpenghasilankomprehensif lain
Statement of profit orloss and other
comprehensiveincome
31 December 2015 31 December 2014
Pendapatan dan bebanoperasional
Operating income andexpenses
Pendapatan bunga 36,895,081 33,750,031 Interest income
Beban bunga ( )11,334,885 ( )10,988,641 Interest expenses
Pendapatan asuransi Insurance income
Pendapatan dari premiasuransi
3,310,796 1,475,506 Revenue from insurancepremiums
Beban asuransi Insurance expenses
Beban klaim ( )2,485,134 ( )1,343,033 Claim expenses
Pendapatan operasionallainnya
Other operating income
Pendapatan provisi dankomisi dari transaksilainnya selain kredit
5,539,509 4,642,046 Provisions andcommissions income from
transactions other than loan
Pendapatan transaksiperdagangan
608,528 898,571 Revenue from tradingtransactions
Penerimaan kembali asetyang telah dihapusbukukan
1,590,469 1,856,400 Revenue from recovery ofwritten-off assets
Keuntungan (kerugian)selisih kurs mata uang
asing
515,081 692,645 Gains (losses) on changesin foreign exchange rates
Pendapatan operasionallainnya
618,793 765,099 Other operating income
Pembentukan kerugianpenurunan nilai
Allowances for impairmentlosses
Pembentukan penyisihankerugian penurunan nilaiaset produktif
( )7,336,259 ( )3,641,992 Allowances for impairmentlosses on earnings assets
Beban operasional lainnya Other operating expenses
Beban umum danadministrasi
12,094,668 11,040,037 General and administrativeexpenses
Beban penjualan ( )884,631 ( )844,804 Selling expenses
Beban sewa,pemeliharaan, danperbaikan
( )1,627,014 ( )1,418,663 Rent, maintenance andimprovement expenses
Beban provisi dan komisi 744,783 544,885 Other fees andcommissions expenses
Beban operasionallainnya
( )1,158,802 ( )911,952 Other operating expenses
Jumlah laba operasional 11,412,081 13,346,291 Total profit from operation
Pendapatan dan beban bukanoperasional
Non-operating income andexpense
Pendapatan bukan operasional 150,983 224,982 Non-operating income
Beban bukan operasional ( )96,916 ( )46,963 Non-operating expensesJumlah laba (rugi) sebelum pajakpenghasilan
11,466,148 13,524,310 Total profit (loss) before tax
Pendapatan (beban) pajak ( )2,325,616 ( )2,694,931 Tax benefit (expenses)
Jumlah laba (rugi) 9,140,532 10,829,379 Total profit (loss)
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Pendapatan komprehensiflainnya, setelah pajak
Other comprehensive income,after tax
Pendapatan komprehensiflainnya yang tidak akandireklasifikasi ke laba rugi,setelah pajak
Other comprehensiveincome that will not be
reclassified to profit or loss,after tax
Pendapatan komprehensiflainnya atas keuntungan(kerugian) hasil revaluasi
aset tetap, setelah pajak
12,380,091 0 Other comprehensiveincome for gains (losses)on revaluation of property
and equipment, after taxPendapatan komprehensiflainnya atas pengukurankembali kewajiban manfaatpasti, setelah pajak
101,002 0 Other comprehensiveincome for remeasurement
of defined benefitobligation, after tax
Penyesuaian lainnya ataspendapatan komprehensiflainnya yang tidak akandireklasifikasi ke laba rugi,setelah pajak
( )202,272 0 Other adjustments to othercomprehensive income that
will not be reclassified toprofit or loss, after tax
Jumlah pendapatankomprehensif lainnya yang
tidak akan direklasifikasi kelaba rugi, setelah pajak
12,278,821 0 Total other comprehensiveincome that will not be
reclassified to profit or loss,after tax
Pendapatan komprehensiflainnya yang akandireklasifikasi ke laba rugi,setelah pajak
Other comprehensiveincome that may be
reclassified to profit or loss,after tax
Keuntungan (kerugian)selisih kurs penjabaran,setelah pajak
17,464 53,094 Gains (losses) onexchange differences on
translation, after tax
Keuntungan (kerugian)yang belum direalisasi atasperubahan nilai wajar asetkeuangan yang tersediauntuk dijual, setelah pajak
( )693,742 1,303,397 Unrealised gains (losses)on changes in fair value ofavailable-for-sale financial
assets, after tax
Keuntungan (kerugian)lindung nilai arus kas,setelah pajak
0 43,492 Gains (losses) on cash flowhedges, after tax
Penyesuaian lainnya ataspendapatan komprehensiflainnya yang akandireklasifikasi ke laba rugi,setelah pajak
119,472 ( )314,630 Other adjustments to othercomprehensive income thatmay be reclassified to profit
or loss, after tax
Jumlah pendapatankomprehensif lainnya yangakan direklasifikasi ke laba
rugi, setelah pajak
( )556,806 1,085,353 Total other comprehensiveincome that may be
reclassified to profit or loss,
after taxJumlah pendapatankomprehensif lainnya, setelahpajak
11,722,015 1,085,353 Total other comprehensiveincome, after tax
Jumlah laba rugi komprehensif 20,862,547 11,914,732 Total comprehensive income
Laba (rugi) yang dapatdiatribusikan
Profit (loss) attributable to
Laba (rugi) yang dapatdiatribusikan ke entitas induk
9,066,581 10,782,628 Profit (loss) attributable toparent entity
Laba (rugi) yang dapatdiatribusikan ke kepentingannon-pengendali
73,951 46,751 Profit (loss) attributable tonon-controlling interests
Laba rugi komprehensif yangdapat diatribusikan
Comprehensive incomeattributable to
Laba rugi komprehensif yangdapat diatribusikan ke entitasinduk
20,788,596 11,867,981 Comprehensive incomeattributable to parent entity
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Laba rugi komprehensif yangdapat diatribusikan kekepentingan non-pengendali
73,951 46,751 Comprehensive incomeattributable to non-controlling
interests
Laba (rugi) per saham Earnings (loss) per share
Laba per saham dasardiatribusikan kepada pemilikentitas induk
Basic earnings per shareattributable to equity owners
of the parent entity
Laba (rugi) per sahamdasar dari operasi yang
dilanjutkan
487 578 Basic earnings (loss) pershare from continuing
operations
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0000] Statement of changes in equity - Financial and Sharia Industry - Current Year
December 2015
poran perubahanuitas
Statement of changes inequity
Saham biasa Tambahan modal disetor Saham tresuri Cadangan revaluasiCadangan selisih kurs
penjabaran
Cadangan perubahan nilaiwajaraset keuangan tersedia
untuk dijualCadangan lainnya
Saldo laba yang telahditentukan
penggunaannya-cadanganumum dan wajib
Saldo laba yang telahditentukan
penggunaannya-cadangankhusus
Saldo laba yang belumditentukan penggunaannya
Ekuitas yang dapatdiatribusikan kepada entitas
indukK ep en ti ng an n on -p en ge nd al i E ku it as
C om mo n st ock s Ad dit io na l pa id- in c ap it al Tr ea su ry s toc ks R eva lua ti on r es erv esReserve of exchange
differences on translation
Reserve forchanges in fairvalue of available-for-sale
financial assetsOtherreserves
Appropriated retainedearnings-general and legal
reserves
Appropriated retainedearnings-specific reserves
Unappropriated retainedearnings
Equity attributable to parententity
N on -co ntr ol lin g in ter est s E qui ty
si ekuitas Equity position
aldo awal periode sebelumenyajian kembali
9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Balance before restatement atbeginning of period
osisi ekuitas, awal periode 9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Equity position, beginning of theperiod
aba (rugi) 9,140,532 9,140,532 9,140,532 Profit (loss)
endapatan komprehensif lainnya 12,189,957 17,464 ( )574,270 14,913 11,648,064 73,951 11,722,015 Other comprehensive income
embentukan cadangan khusus 1,795,650 ( )1,795,650 Allocation for specific reserves
stribusi dividen kas ( )2,695,654 ( )2,695,654 ( )2,695,654 Distributions of cash dividends
ansaksi ekuitas lainnya ( )749,979 ( )749,979 ( )749,979 Other equity transactions
osisi ekuitas, akhir periode 9,054,807 14,568,468 ( )749,979 12,189,957 75,502 ( )2,518,968 2,256,999 2,778,412 5,705,376 33,054,162 76,414,736 2,023,486 78,438,222 Equity position, end of the period
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10000] Statement of changes in equity - Financial and Sharia Industry - Prior Year
December 2014
poran perubahanuitas
Statement of changes inequity
S ah am b ia sa T am ba ha n mo da l di se to rCadangan selisih kurs
penjabaran
Cadangan perubahan nilaiwajar aset keuangan tersedia
untuk dijual
Cadangan lindung nilai aruskas
Cadangan lainnya
Saldo laba yang telahditentukan
penggunaannya-cadanganumum dan wajib
Saldo laba yang telahditentukan
penggunaannya-cadangankhusus
Saldo laba yang belumditentukan penggunaannya
Ekuitas yang dapatdiatribusikan kepada entitas
indukK ep en ti ng an n on -p en ge nd al i E ku it as
Com mon s toc ks Addi t iona l pai d -i n c ap i ta lReserve of exchange
differences on translation
Reserve for changes in fairvalue of available-for-sale
financial assetsRe se rv e of c as h fl ow he dges O ther r es e rv es
Appropriated retainedearnings-general and legal
reserves
Appropriated retainedearnings-specific reserves
Unappropriated retainedearnings
Equity attributable to parententity
N on-c ontr ollin g i nteres ts Equi ty
si ekuitas Equity position
aldo awal periode sebelumenyajian kembali
9,054,807 14,568,468 4,944 ( )2,933,465 ( )43,492 ( )62,862 2,778,412 2,868,474 21,364,949 47,600,235 83,270 47,683,505 Balance before restatement atbeginning of period
osisi ekuitas, awal periode 9,054,807 14,568,468 4,944 ( )2,933,465 ( )43,492 ( )62,862 2,778,412 2,868,474 21,364,949 47,600,235 83,270 47,683,505 Equity position, beginning of theperiod
aba (rugi) 10,829,379 10,829,379 10,829,379 Profit (loss)
endapatan komprehensif lainnya 53,094 988,767 43,492 ( )46,751 1,038,602 46,751 1,085,353 Other comprehensive income
embentukan cadangan khusus 1,041,252 ( )1,041,252 Allocation for specific reserves
Distribusi dividen kas ( )2,716,304 ( )2,716,304 ( )2,716,304 Distributions of cash dividends
erubahan kepentinganon-pengendali atas transaksi
ainnya dengan kepentinganon-pengendali
2,319,861 2,319,861 1,819,514 4,139,375 Changes in non-controlling interestsdue to other transactions with
non-controlling interests
osisi ekuitas, akhir periode 9,054,807 14,568,468 58,038 ( )1,944,698 2,256,999 2,778,412 3,909,726 28,390,021 59,071,773 1,949,535 61,021,308 Equity position, end of the period
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[4510000] Statement of cash flows, direct method - Financial and Sharia Industry
Laporan arus kas Statement of cashflows
31 December 2015 31 December 2014
Arus kas dari aktivitas operasi Cash flows from operating
activitiesArus kas sebelumperubahan dalam aset danliabilitas operasi
Cash flows before changesin operating assets and
liabilities
Penerimaan bunga, hasilinvestasi, provisi, dankomisi
36,334,620 33,436,655 Interest, investmentincome, fees and
commissions received
Pembayaran bunga danbonus, provisi dan komisi
( )11,121,452 ( )10,670,290 Payments Of Interest AndBonus Fees And
Commissions
Penerimaan premi asuransi 3,310,796 1,475,506 Receipts from insurancepremiums
Pendapatan dari transaksioperasional lainnya
11,974,988 8,522,276 Income from otheroperating transactions
Penerimaan pengembalian(pembayaran) pajakpenghasilan
( )3,470,990 ( )3,301,810 Refunds (payments) ofincome tax
Pembayaran bebanoperasional lainnya
( )22,965,610 ( )19,187,680 Payments for otheroperating expenses
Penerimaan pendapatannon-operasional
35,009 174,502 Receipts fromnon-operating income
Penurunan (kenaikan) asetoperasi
Decrease (increase) inoperating assets
Penurunan (kenaikan)
penempatan pada bank laindan bank indonesia
( )1,083,399 ( )1,411,705 Decrease (increase) in
placements with otherbanks and bank indonesia
Penurunan (kenaikan) efekyang diperdagangkan
( )1,130,054 ( )1,208,552 Decrease (increase) inmarketable securities
Penurunan (kenaikan) efekyang dibeli dengan janjidijual kembali
5,861,141 ( )4,340,800 Decrease (increase) insecurities purchased under
resale agreements
Penurunan (kenaikan)wesel ekspor dan tagihanlainnya
( )6,555,451 1,119,991 Decrease (increase) in billsand other receivables
Penurunan (kenaikan)tagihan akseptasi
1,631,640 ( )982,495 Decrease (increase) inacceptance receivables
Penurunan (kenaikan)pinjaman yang diberikan
( )48,482,868 ( )26,984,438 Decrease (increase) inloans
Penurunan (kenaikan) asetlainnya
( )792,134 ( )70,767 Decrease (increase) inother assets
Kenaikan (penurunan)liabilitas operasi
Increase (decrease) inoperating liabilities
Kenaikan (penurunan)liabilitas segera
( )7,571 53,195 Increase (decrease) inobligations due immediately
Kenaikan (penurunan) girodan tabungan simpanannasabah
22,414,891 2,010,624 Increase (decrease) incurrent accounts and
customers savings
Kenaikan (penurunan)deposito berjangkanasabah
31,257,180 15,514,231 Increase (decrease) incustomers time deposits
Kenaikan (penurunan)simpanan dari bank lain
1,846,187 ( )415,570 Increase (decrease) inother banks saving
deposits
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Kenaikan (penurunan)liabilitas akseptasi
( )280,345 269,631 Increase (decrease) inacceptance payables
Kenaikan (penurunan)dana syirkah temporer
3,025,643 4,885,963 Increase (decrease) intemporary syirkah funds
Kenaikan (penurunan)liabilitas lainnya
2,554,407 501,163 Increase (decrease) inother liabilities
Jumlah arus kas bersih yangdiperoleh dari (digunakanuntuk) aktivitas operasi
24,356,628 ( )610,370 Total net cash flows receivedfrom (used in) operating
activities
Arus kas dari aktivitas investasi Cash flows from investingactivities
Pencairan (penempatan)obligasi pemerintah
( )4,039,755 1,679,794 Withdrawal (placement) ofgovernment bonds
Penerimaan dari penjualan(perolehan) aset tetap
( )2,961,872 ( )1,357,221 Proceeds from disposal(acquisition) of property and
equipment
Pencairan (penempatan)efek-efek yangdiperdagangkan
3,485,158 ( )2,728,605 Withdrawal (placement) ofmarketable securities
Jumlah arus kas bersih yangdiperoleh dari (digunakan
untuk) aktivitas investasi
( )3,516,469 ( )2,406,032 Total net cash flows receivedfrom (used in) investing
activitiesArus kas dari aktivitaspendanaan
Cash flows from financingactivities
Kenaikan (penurunan) efekyang diterbitkan
712,636 0 Increase (decrease) insecurities issued
Penerimaan pinjaman yangditerima
11,311,316 Proceeds from borrowings
Pembayaran pinjaman yangditerima
( )7,738,258 Payments for borrowings
Penjualan (pembelian) darisaham tresuri
( )749,979 0 Sales (purchase) of treasurystocks
Pembayaran dividen dariaktivitas pendanaan
( )2,695,654 ( )2,716,304 Dividends paid from financingactivities
Penerimaan (pengeluaran) kaslainnya dari aktivitaspendanaan
671,211 6,000,455 Other cash inflows (outflows)from financing activities
Jumlah arus kas bersih yangdiperoleh dari (digunakanuntuk) aktivitas pendanaan
9,249,530 ( )4,454,107 Total net cash flows receivedfrom (used in) financing
activities
Jumlah kenaikan (penurunan)bersih kas dan setara kas
30,089,689 ( )7,470,509 Total net increase (decrease) incash and cash equivalents
Kas dan setara kas arus kas, awalperiode
53,512,006 61,060,610 Cash and cash equivalents cashflows, beginning of the period
Efek perubahan nilai kurs padakas dan setara kas 5,838 ( )78,095 Effect of exchange rate changeson cash and cash equivalents
Kas dan setara kas arus kas,akhir periode
83,607,533 53,512,006 Cash and cash equivalents cashflows, end of the period