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F I N A N C I A L S T A T E M E N T - As at 31 December 2009 (Audited)
PUBLIC LISTED BANK
LIST OF CONTENT
Sheet 1 BALANCE SHEET - ASSETS
Sheet 2 INCOME STATEMENT
Sheet 3 COMMITMENTS AND CONTINGENCIES
Sheet 4 EARNING ASSETS QUALITY
Sheet 5 FINANCIAL RATIO CALCULATION
Sheet 6 CALCULATION OF CAPITAL ADEQUACY RATIO
Sheet 7 FOREIGN CURRENCIES TRANSACTIONS AND DERIVATIVE
Sheet 8 NOTES
Sheet 9 SHARIA - BALANCE SHEET - ASSETS
Sheet 10 SHARIA - INCOME STATEMENT
Sheet 11 SHARIA - COMMITMENTS AND CONTIGENCIES
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
BALANCE SHEETS BALANCE SHEETS
As at 31 December 2009 and 2008 As at 31 December 2009 and 2008
(in million Rupiah) (in million Rupiah)
N0 N0
Description 2009 2008 Description 2009 2008
. .
ASSETS LIABILITIES AND SHAREHOLDERS' EQUITY
1 Cash 754,967 829,789 1 Demand deposits
2 Placements with Bank Indonesia a. R u p i a h 2,998,290 2,617,836
a. Current accounts with b. Foreign currencies 3,057,927 3,007,057
Bank Indonesia 1,273,524 1,195,276 2 Obligation due immediately 266,039 191,533
b. Certificates of Bank Indonesia 6,152,929 5,411,682 3 Savings 10,910,352 6,387,506
c. Others 117,700 599,384 4 Time deposits
3 Current accounts with Other Banks a. R u p i a h
a. R u p i a h 4,485 5,186 - related parties 125,823 152,696
b. Foreign currencies 101,345 54,947 - third parties 10,740,689 12,575,759
4 Placements with Other Banks b. Foreign currencies
a. R u p i a h - - - related parties 16,749 20,526
Allowance for possible losses on Current Accounts and
Placements with other Banks -/- - - - third parties 2,366,214 2,362,091
b. Foreign currencies 2,836,303 2,091,206 5 Certificates of Deposits
Allowance for possible losses on Current Accounts and
Placements with other Banks -/- (29,421) (21,513) a. R u p i a h - -
5 Marketable securities b. Foreign currencies - -
a. R u p i a h 6 Deposits from other banks 422,407 116,278
i. Trading - - 7 Securities sold under repurchase
ii. Available for sale - - agreement - -
iii. Held to maturity 35,083 58,935 8 Derivative Payables 5,105 15,896
Allowance for possible losses on marketable securities -/- (351) (18,641) 9 Acceptance Payables 616,481 976,618
b. Foreign currencies 10 Marketable Securities Issued
i. Trading - - a. R u p i a h 597,094 596,184
ii. Available for sale - - b. Foreign currencies - -
iii. Held to maturity 55,107 107,271 11 Borrowings - -
Allowance for possible losses on marketable securities -/- (1,263) (1,073) a. Short term funding facilities from
6 Securities sold under agreement to repurchase - - Bank Indonesia - -
7 Government Bond b. Others - -
a. Trading 91,681 8,339 -Rupiah - -
b. Available for sale 2,076,874 743,809 a. related parties - -
c. Held to maturity - - b. third parties 4,584 9,168
8 Securities purchased under resale agreement - Foreign currencies - -
a. R u p i a h - - a. related parties - -
Allowance for possible losses on securities purchased under
resale agreement -/- - - b. third parties - 872,000
b. Foreign currencies - - 12 Estimated losses on commitments
Allowance for possible losses on securities purchased under
resale agreement -/- - - and contingencies 19,079 26,317
9 Derivative receivables 10,778 98,565 13 Lease payables - -
Allowance for possible losses on derivatives receivables -/- (108) (983) 14 Accrued expenses 279,675 288,891
10 Loans 15 Taxes Payable 61,617 71,472
a. R u p i a h 16 Deferred tax liabilities - -
- related parties 106,991 48,358 17 Other liabilities 427,171 327,340
- third parties 18,332,590 16,427,164 18 Subordinated loans
Allowance for possible losses on loans -/- (511,618) (358,232) a. related parties - -
b. Foreign currencies b. third parties - -
- related parties 44,973 81,872 19 Loan Capital
- third parties 3,401,973 4,252,151 a. related parties - -
Allowance for possible losses on loans -/- (91,664) (50,159) b. third parties - -
11 Acceptance receivables 616,481 976,618 20 Minority Interests - -
Allowance for possible losses on acceptances receivables -/- (6,527) (9,778) 21 Equity - -
12 Investments 48,647 71,648 a. Paid in capital 726,822 726,822
Allowance for possible losses on investments -/- (486) (715) b. Additional paid up capital 1,221,814 1,221,814
13 Interest receivables 124,865 122,937 c. Donation in capital - -
14 Prepaid expenses 209,255 203,451 d. Funds for paid-up capital - -
15 Prepaid tax - - e. Differences due to foreign currency
16 Deferred tax assets 8,667 31,806 translation - -
17 Fixed assets 1,064,346 960,594 f. Fixed assets revaluation
Accumulated depreciation -/- (260,013) (183,076) reserve - -
18 Abandoned properties - - g. Unrealized gain/(loss) on available
Allowance for possible losses -/- - - for sale securities (4,310) (75,075)
19 Leased assets - - h. Other comprehensive revenue - -
Accumulated depreciation -/- - - i. Retained earnings 2,196,001 1,760,136
20 Foreclosed collateral 137,767 158,902 j. Difference due to change
Allowance for possible losses on foreclosed collateral -/- (49,718) (24,745) of equities in subsidiary (3,027) (3,027)
21 Other assets 396,434 374,863
TOTAL ASSETS 37,052,596 34,245,838 TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY 37,052,596 34,245,838
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
STATEMENTS OF INCOME
For The Years ended 31 December 2009 and 2008
(in million Rupiah, except Earnings per Share)
N0. DESCRIPTION 2009 2008
OPERATING INCOME AND EXPENSES
1 Interest income
1.1 Interest income
a. R u p i a h 2,978,814 2,372,344
b. Foreign currencies 285,488 327,412
1.2 Fees and commissions income
a. R u p i a h 85,915 72,275
b. Foreign currencies 17,320 13,700
Total Interest Income 3,367,537 2,785,731
2 INTEREST EXPENSES
2.1 Interest expenses
a. R u p i a h 1,505,703 1,239,951
b. Foreign currencies 75,355 113,657
2.2. Fees and commissions expenses 60,076 31,506
Total Interest Expenses 1,641,134 1,385,114
NET INTEREST INCOME 1,726,403 1,400,617
3 OTHER OPERATING INCOME
3.1 Fees and commissions other than from loans 280,044 268,617
3.2 Gain on foreign exchange transactions - net 129,620 157,520
3.3 Gains from sale and increase in fair value of
marketable securities 43,561 1,652
3.4 Other income 43,730 43,080
Total Other Operating Income 496,955 470,869
4 Allowance for possible losses on assets 242,776 183,171
5 Allowance for possible losses on commitments and
contingencies (5,749) (1,786)
6 Other operating expenses
6.1 General and administrative expenses 550,704 534,117
6.2 Personnel expenses 704,375 607,285
6.3 Loss from sale and decrease in fair value of
marketable securities - -
6.4 Loss on foreign exchange transactions - net - -
6.5.Promotion expenses 70,387 72,345
6.6 Other expenses 51,871 24,262
Total Other Operating Expenses 1,377,337 1,238,009
NET OPERATING INCOME 608,994 452,092
7 Non operating income 7,539 3,945
8 Non operating expenses 4,378 1,809
NON OPERATING INCOME (EXPENSES) 3,161 2,136
9 Extraordinary income (expenses) - -
10 INCOME BEFORE TAX 612,155 454,228
11 Income Tax -/- 176,290 137,306
12 INCOME AFTER TAX 435,865 316,922
13 Minority interest -/- - -
14 Retained earnings balance at the beginning of year 1,760,136 1,335,711
15 Dividend - -
Others - 107,503
16 Retained earnings balance at the end of period 2,196,001 1,760,136
17 Earnings per Share 74.96 54.50
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
COMMITMENTS AND CONTINGENCIES
As at 31 December 2009 and 2008
(in million Rupiah)
DESCRIPTION 2009 2008
COMMITMENTS
Commitments Receivables
1. Undrawn borrowing facilities received
a. R u p i a h - -
b. Foreign currencies - 327,000
2. Other Commitments 244,549 390,002
Total Commitment Receivables 244,549 717,002
Commitments Payables
1. Undrawn loan facilities granted to customers
a. R u p i a h 4,922,467 3,970,572
b. Foreign currencies 1,637,925 1,749,444
2. Outstanding irrevocable letters of credit 540,970 515,287
3. Others 507,541 1,037,746
Total Commitment Payables 7,608,903 7,273,049
TOTAL COMMITMENTS - NET (7,364,354) (6,556,047)
CONTINGENCIES
Contingent Receivables
1. Guarantees received
a. R u p i a h - -
b. Foreign currencies - -
2. Interest receivable on non performing assets
a. R u p i a h 292,488 154,347
b. Foreign currencies 9,004 2,952
3. Others - -
Total Contingent Receivables 301,492 157,299
Contingent payables
1. Guaranteed issued
a. Bank Guarantees
-Rupiah 906,975 1,528,286
- Foreign currencies 389,697 578,695
b. Others - -
2. Outstanding revocable letters of credit - -
3. Others - -
Total Contingent Payables 1,296,672 2,106,981
TOTAL CONTINGENCIES - NET (995,180) (1,949,682)
MANAGEMENT
COMMISSIONERS
- President Commissioner : Pramukti Surjaudaja
- Deputy President Commissioner : Peter Eko Sutioso *)
- Commissioner : Lelarati Lukman
- Commissioner : David Philbrick Conner
- Commissioner : Roy Karaoglan *)
- Commissioner : Jusuf Halim *)
- Commissioner : Goh Kim Bun, Benny *)
- Commissioner : Lai Teck Poh (Dua Teck Poh)
DIRECTORS
- President Director : Parwati Surjaudaja
- Deputy President Director : Na Wu Beng
- Director : Hardi Juganda
- Director : Yogadharma Ratnapalasari
- Director : Rama Pranata Kusumaputra
- Director : Louis (Luianto) Sudarmana
- Director : Rudy N Hamdani
- Director : Alan Jenviphakul
S H A R E H O L D E R S
OCBC Overseas Investment Pte.Ltd.
(Controlling shareholder) 74.73%
International Finance Corporation 7.17%
Others 18.10%
*) Independent commissioner
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
ASSETS QUALITY AND OTHER INFORMATION
As at 31 December 2009 and 2008
PT BANK OCBC NISP Tbk.
(in million Rupiah)
B A N K O C B C N I S P Tbk.
No. DESCRIPTION 2009 2008
Current Special Mention Substandard Doubtful Loss Total Current Special Mention Substandard Doubtful Loss Total
1. RELATED PARTIES
A. EARNING ASSETS
1 Placement with other banks 2,415,343 - - - - 2,415,343 2,096,603 - - - - 2,096,603
2 Marketable Securities from third parties and Bank Indonesia - - - - - - - - - - - -
3 Loans 151,964 - - - - 151,964 130,230 - - - - 130,230
a. Small business credit (KUK) 160 - - - - 160 1,152 - - - - 1,152
b. Property Loans 32,965 - - - - 32,965 39,795 - - - - 39,795
i. Restructured - - - - - - - - - - - -
ii. Un-restructured 32,965 - - - - 32,965 39,795 - - - - 39,795
c. Restructured loans - - - - - - - - - - - -
d. Others 118,839
- -
- -
- -
- -
- 118,839
- 89,283
- -
- -
- -
- -
- 89,283
-
4 Investment in third parties - - - - - - - - - - - -
a. Non-bank financial institution - - - - - - - - - - - -
b. Due to loan restructuring - - - - - - - - - - - -
5 Other receivables from third parties - - - - - - - - - - - -
6 Commitments and contingencies to third parties - - - - - - - - - - - -
B. NON-EARNING ASSETS
1 Abondoned properties - - - - - - - - - - - -
2 Foreclosed collateral - - - - - - - - - - - -
3 Interbranch and suspense account - - - - - - - - - - - -
2. NON-RELATED PARTIES
A. EARNING ASSETS
1 Placement with other banks 631,896 4,702 - - - 636,598 247,844 - - - - 247,844
2 Marketable Securities from third parties and Bank Indonesia 8,511,604 17,770 - - - 8,529,374 6,904,420 - - - 25,000 6,929,420
3 Loans 20,240,253 788,393 36,260 41,362 616,426 21,722,694 19,588,557 516,028 72,153 48,796 445,675 20,671,209
a. Small business credit (KUK) 530,325 34,819 5,187 9,933 43,816 624,080 455,606 20,718 2,075 4,006 24,047 506,452
b. Property Loans 6,204,952 287,930 11,795 11,674 222,045 6,738,396 4,864,754 231,929 8,173 24,524 174,238 5,303,618
i. Restructured - 1,669 - - 11,327 12,996 - - - - - -
ii. Un-restructured 6,204,952 286,261 11,795 11,674 210,718 6,725,400 4,864,754 231,929 8,173 24,524 174,238 5,303,618
c. Restructured loans 7,074 253,241 2,893 4,176 90,978 358,362 3,424 181 6,577 - 134,205 144,387
d. Others 13,497,902 212,403 16,385 15,579 259,587 14,001,856 14,264,773 263,200 55,328 20,266 113,185 14,716,752
4 Investment in third parties 43,656 - - - - 43,656 66,657 - - - - 66,657
a. Non-bank financial institution 43,656 - - - - 43,656 66,657 - - - - 66,657
b. Due to loan restructuring - - - - - - - - - - - -
5 Other receivables from third parties 861,540 5,621 - - 6,672 873,833 1,173,710 2,656 - 7,101 - 1,183,467
6 Commitments and contingencies to third parties 1,822,733 14,673 - 236 - 1,837,642 2,621,185 969 - 114 - 2,622,268
B. NON-EARNING ASSETS
1 Abandoned properties - - - - - - - - - - - -
2 Foreclosed collateral 12,209 - 39,215 86,343 - 137,767 3,721 - 155,181 - - 158,902
3 Interbranch and suspense account 11,424 - - - 366 11,790 12,650 - - - 34 12,684
TOTAL 34,702,622 831,159 75,475 127,941 623,464 36,360,661 32,845,577 519,653 227,334 56,011 470,709 34,119,284
4 a. Min required allowance for possible losses on earning assets 248,913 24,872 2,550 13,497 379,712 669,544 256,332 11,604 3,680 15,548 205,984 493,148
b. Min required allowance for possible losses on non- earning assets - - 5,882 43,172 366 49,420 - - 23,277 - 34 23,311
c. Total min required allowance for possible losses 248,913 24,872 8,432 56,669 380,078 718,964 256,332 11,604 26,957 15,548 206,018 516,459
5 a. Allowance for possible losses on earning assets 249,722 25,084 2,550 13,498 379,713 670,567 257,058 11,604 3,680 15,554 205,983 493,879
b. Allowance for possible losses on non-earning assets 1,856 - 5,999 43,704 366 51,925 1,559 - 23,277 - 34 24,870
c. Total allowance for possible losses 251,578 25,084 8,549 57,202 380,079 722,492 258,617 11,604 26,957 15,554 206,017 518,749
6 Collateralized assets
a. To Bank Indonesia - -
b. To other banks - -
7 Percentage of small business credit to total loans 2.85% 2.44%
8 Percentage number of small business to number of total debtors 25.39% 13.95%
9 Percentage loan to small medium enterprises to total loans 56.81% 56.99%
10 Percentage number of debtors of small medium enterprises to total debtors 99.20% 99.16%
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
FINANCIAL RATIOS
As at 31 December 2009 and 2008
No. RATIO (%) 2009 2008
I. CAPITAL
1. CAR with credit risk 18.36% 17.27%
2. CAR with credit risk and market risk 18.00% 17.01%
3. Fixed assets to total capital 23.98% 22.67%
II. EARNING ASSETS QUALITY RATIO
1. Non performing earning assets 1.94% 1.76%
2. Allowance for possible losses on earning assets 1.85% 1.45%
3. Fulfilment of allowance for possible losses on earning assets 100.15% 100.15%
4. Fulfilment of allowance for possible losses on non earning assets 105.07% 106.69%
5. - NPL (Gross) 3.17% 2.72%
- NPL (Net) 1.39% 1.75%
III. EARNING RATIOS
1. ROA 1.79% 1.54%
2. ROE 11.86% 9.18%
3. NIM 5.53% 5.40%
4. Operating Expenses to Operating Income 84.24% 86.12%
IV. LIQUIDITY
LDR 72.39% 76.69%
V. COMPLIANCE
a. Percentage violation on legal lending limit
1. Related parties - -
2. Third parties - -
b. Percentage lending in excess of legal lending limit
1. Related parties - -
2. Third parties - -
c. IDR Reserve Requirement 5.17% 5.14%
d. Net Open Position 0.34% 0.89%
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
CALCULATION OF
CAPITAL ADEQUACY RATIO
As at 31 December 2009 and 2008
( in million Rupiah )
DESCRIPTION 2009 2008
I. CAPITAL COMPONENTS
A. CORE CAPITAL 3,790,469 3,543,833
1. Paid up capital . . . . . . . . . . . . . . . . . . . 726,822 726,822
2. Disclosed reserves 3,063,647 2,817,011
a. Additional paid up capital . . . . . . . . . . . . . . . . .. 1,221,814 1,221,814
b. Disagio . . . . . . . . . . . . . . . . . . . . .. -/- - -
c. Capital donation . . . . . . . . . . . . . .. . . . - -
d. General and statutory reserves . . . . . 1,250 1,150
e. Prior year profit after tax 1,648,774 1,442,061
f. Prior year losses . . . . -/- - -
g. Current year profit after tax (50%) . . . . 216,133 151,986
h. Current year net losses……………..-/- - -
i. Differences arising from translation of overseas branches financial statements - -
j. Paid up capital fund . . . . . - -
k. Decline in fair value of equity participation in available for sale portfolio - -
l Investments. . . . . -/- (50%) (24,324) -
3. Goodwill . . . . . . . . . . . . . . . . . . -/- - -
4. Differences arising from the revaluation of the assets & liabilities
due to quasi reorganisation -/- - -
B. SUPPLEMENTARY CAPITAL 648,618 765,779
(Max. 100% of Core Capital)
1. Reserve from Revaluation of Fixed Assets . . …. 48,376 -
2. Differences arising from the revaluation of the assets & liabilities
due to quasi reorganisation -/-
3. General allowance for possible losses on earning assets
(max.1.25% of risk weighted assets) 246,406 268,959
4. Loan capital . . . . . . . ……..
5. Subordinated loan
(max. 50% of Core Capital) . . . . . 378,160 496,820
6. Increase in fair value of equity participation in available for sale portfolio - -
7. Investments. . . . . -/- (50%) (24,324) -
C. ADDITIONAL SUPPLEMENTARY CAPITAL WHICH FULFILL THE REQUIREMENTS - -
D. ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATED MARKET RISK - -
II. TOTAL CORE AND SUPPLEMENTARY CAPITAL (A + B) 4,439,087 4,309,612
III. TOTAL CORE CAPITAL, SUPPLEMENTARY CAPITAL
& ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATED
MARKET RISK (A+B+D) 4,439,087 4,309,612
IV. INVESTMENTS -/- - 71,648
V. TOTAL CAPITAL FOR CREDIT RISK (II - IV) 4,439,087 4,237,964
VI. TOTAL CAPITAL FOR CREDIT AND MARKET RISK (III-IV) 4,439,087 4,237,964
VII. RISK WEIGHTED ASSETS - CREDIT RISK 24,176,805 24,538,097
VIII. RISK WEIGHTED ASSETS - MARKET RISK 480,087 380,913
IX. CAPITAL ADEQUACY RATIO WITH CREDIT RISK (V : VII) 18.36% 17.27%
X. CAPITAL ADEQUACY RATIO WITH CREDIT RISK
AND MARKET RISK CHARGE (VI:(VII+ VIII)) 18.00% 17.01%
XI. EXCESS ADDITIONAL SUPPLEMENTARY CAPITAL RATIO ((C+D):(VII+VIII)) 0% 0%
XII. MINIMUM REQUIRED CAPITAL ADEQUACY RATIO 8% 8%
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
FOREIGN EXCHANGE AND DERIVATIVE TRANSACTIONS
As at 31 December 2009
(in million Rupiah)
BANK
Derivative Receivables Contract
No TRANSACTION Contract Market Value value with
and Payables
netting
Hedging Others Receivables Payables Agreement
A Related to Exchange Rate
1 Spot - - - - -
2 Forwards - 183,598 2,268 454 -
3 Options
a. Purchased - - - - -
b. Written - 547 252 207 -
4 Future - - - - -
5 Swaps - 542,566 5,941 1,803 -
6 Others - 946,101 2,317 2,641 -
B Related to Interest Rate
1 Forward - - - - -
2 Option
a. Purchased - - - - -
b. Written - - - - -
3 Future - - - - -
4 Swap - - - - -
5 Others - - - - -
C Others - - - - -
TOTAL 10,778 5,105
Notes:
The accompanying financial statements of PT Bank OCBC NISP Tbk as at 31 December 2009 and 2008 have been audited by Public Accountant
Firm Haryanto Sahari & Rekan - a member firm of PricewaterhouseCoopers (Partner in charge Drs. Mohammad Jusuf Wibisana, M.Ec., Ak.) with
unqualified opinion, with some reclassifications to accomplish the regulation of Bank Indonesia No. 3/22/PBI/2001 dated 13 December 2001 as
- amended with the regulation of Bank Indonesia No. 7/50/PBI/2005 dated 29 November 2005 regarding the Amenmend of Transparancy of
Banking Financial Condition and Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 December 2001 as amended with Circular Letter of
Bank Indonesia No. 7/10/DPNP dated 31 March 2005 regarding Quarterly Published Financial Statements, Monthly Financial Statements of
Commercial Bank and Certain Report submitted to Bank Indonesia as well as to comply with the Bapepam Chairman’s Letter No.KEP
36/PM/2003 dated 30 September 2003 on the Compulsory Submission of Periodic Financial Statements.
- The USD exchange rates as at 31 December 2009 was Rp 9,395 (2008: 1 USD = Rp 10,900).
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
BALANCE SHEETS
As at 31 December 2009 and 2008
(in million Rupiah)
No. Description 2009 2008
ASSETS
1 Cash 218
2 Current Accounts with Bank Indonesia 388
3 Bank Indonesia Wadiah Certificates 117,700
4 Placements with Other Banks -
5 Allowance for Possible Losses -/- -
6 Marketable Securities -
7 Allowance for Possible Losses -/- -
8 Murabahah Receivables -
9 Allowance for Possible Losses -/- -
10 Other Receivables -
11 Allowance for Possible Losses -/- -
12 Mudharabah and Musyarakah Financing -
13 Allowance for Possible Losses -/- -
14 Accrued Interest Receivables -
15 Prepaid Expenses -
16 Premises and Equipment -
17 Accumulated Depreciation -
18 Other Assets - net 45
TOTAL ASSETS 118,351
No. Description 2009 2008
LIABILITIES
1 Wadiah Demand Deposits 15,474
2 Other Liabilities Immediately Payable -
3 Liabilities to Bank Indonesia (FPJPS) -
4 Liabilities to Other Banks -
5 Securities Issued -
6 Other Liabilities 105,355
7 Unrestricted Investment Funds -
a. Mudharabah Saving Deposits -
b. Mudharabah Time Deposits -
8 Retained Earnings (Accumulated Losses) (2,478)
TOTAL LIABILITIES 118,351
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
STATEMENTS OF INCOME
For The Years ended 31 December 2009 and 2008
(in million Rupiah)
No. POS - POS 2009 2008
A. INCOME FROM OPERATIONS
1 Murabahah Margin -
2 Mudharabah Profit Sharing 383
3 Bonuses -
4 Other Operating Income 716
B. TOTAL OPERATING INCOME 1,099
C Investors' Share on Returns of Unrestricted
Investment Funds
a. Bank -
b. Non Bank -
c. Bank Indonesia (FPJPS) -
D TOTAL PROFIT SHARING -
E Operating income after distribution of profit sharing
for investor of unrestricted investment funds 1,099
F EXPENSES FROM OPERATIONS
1 Wadiah Bonuses -
2 Provision for Possible Losses on Earning Assets -
3 General and Administrative Expenses 582
4 Personnel Expenses 2,471
5 Other Expenses 524
G TOTAL OPERATING EXPENSES 3,577
H INCOME (EXPENSES) FROM OPERATIONS - NET (2,478)
I Non Operating Income -
J Non Operating Expenses -
K NON OPERATING INCOME (EXPENSES) - NET -
L NET INCOME (LOSS) FOR CURRENT PERIOD (2,478)
FINANCIAL STATEMENT
FOREIGN EXCHANGE & PUBLIC LISTED BANK
COMMITMENTS AND CONTINGENCIES
AS AT 31 DECEMBER 2009 AND 2008
(in million Rupiah)
No. POS - POS 2009 2008
1 Unused Financing Facilities Granted to Customers
2 Outstanding Irrevocable L/C
3 Guarantees (Kafalah) Issued
4 Others
