Sie sind auf Seite 1von 46

PT.

BPR LAKSANA LESTARISERPONG

14 Juni 2016
NO.
100
120
120/00
120/01
120/01
120/01
120/02
120/02
130
140
180/05
180/05
165
165/00
165/01
166
180

AKTIVA
NO.
54,590,111 200
95,722,180 210
16,075,677 220/00
50,676,463 240
13,502,336 240/00
14,049,192 251
- 240/01
1,418,512 257/00
- 270
3,097,296,483 281
(181,456,931) 281
31,315,388 281/00
(61,960,682) 281/01
595,865,563 291/00
368,518,063 302/00
227,347,500 735
(378,948,573) 302
165,003,029
3,417,426,568

PASIVA
18,927,783
248,307,312
784,300,000
450,000,000
450,000,000
2,133,099,341
2,000,000,000
2,000,000,000
###
133,099,341
18,332,591
(7,114,100)
(228,426,359)
(235,540,459)
###
-122389

Pendapatan Non Operasional

412
412/00
413/00
414/00
415/00
416/00
420
420.01
431
449
629

528,500,192
2,094,025
843,925
1,250,100
402,588,318
26,426,100
97,391,749
7,071,405
535,571,597

I.
567/00
568/00
569/00
II.
571/00
572/00
573/00
574/00
590
592
592/06
592/09
593
594
595
596
597
598
730

744,944,156
46,006,470
13,562,490
18,264,144
12,799,636
1,380,200
14,108,600
252,297,700
17,485,000
3,221,500
14,500,000
21,391,551
20,277,214
133,859,485
117,912,636
103,884,000
19,053,800
763,997,956

90/91

(55,454,700)

92/93

(337,329,900)
(392,784,600)

LAPORAN NERACA HARIAN


15 Juni 2016
Hari : Rabu

PT BPR LAKSANA LESTARISERPONG


BSD Sektor I.I Blok RE.2 No.12
Serpong - Tangerang
NO.
100
120
120/00
120/01
120/01
120/01
120/02
120/02
120/03
130
140
180/05
180/05

AKTIVA
Kas
Antarbank Aktiva
Giro BNI
Giro Bank Niaga
Giro BCA
Giro Bank Andara
Deposito berjgk pada Bank Swa
Tabungan bank andara
Kredit Antar Bank Aktiva
Kredit yang diberikan
Peny.Pengh. Aktiva Produktif -/Persekot *
KYD Provisi Kredit (-/-)

165
165/00
165/01
166
180

Aktiva tetap & inventaris


Inventaris Kantor
Inventaris Kendaraan
Akumulasi Penyusutan -/Rupa-rupa Aktiva )*
Jumlah

DEBET
3,415,116
635,000
-

KREDIT
1,022,916
1,472,200
887,500

NO.
56,982,311 200
96,357,180 210
16,075,677 220/00
50,676,463 240
14,137,336 240/00
14,049,192 251
- 240/01
1,418,512 257/00
- 270
3,095,824,283 281
(181,456,931) 281
31,315,388 281/00
(61,960,682) 281/01
- 282/00
595,865,563 291/00
368,518,063 302/00
227,347,500 735
(378,948,573) 302
164,115,529
3,418,094,068

PASIVA
Kewajiban yg segera dpt dibayar
Tabungan
Deposito Berjangka Kpd Pihak ke3
Antarbank Pasiva )*
Deposito Berjangka Perusahaan *
Pinjaman yang diterima
Pinjaman dari Bank Lainnnya*
Pinjaman lebih dari 3 bulan
Rupa-rupa Pasiva
Jumlah Modal
Modal Disetor
Modal Dasar
Dana Setoran Modal
Dana Yg blm Disetor
Cadangan umum
Laba/rugi tahun lalu
Taksiran pajak penghasilan
Laba Rugi tahun Berjalan
Jumlah Laba
Jumlah

LABA/RUGI
412

420
431
449
629

Pendapatan operasional
Bunga dari bank-bank lain
412/00. Giro
413/00. Tabungan
414/00. Sertifikat Deposito
415/00. Deposito berjangka
416/00.Kredit yang diberikan A
Bunga dari pihak ke 3 non Bank
420/01. Pendapatan Provisi
Provisi & Komisi
Pendapatan operasional lainnya
Pendapatan non operasional
Jumlah Pendapatan

Loan To Deposit Ratio


Cash Ratio
Ratio BOPO
ROA
ROE

DEBET

KREDIT
-

1,055,416
-

###

528,500,192
2,094,025
843,925
1,250,100
402,588,318
26,426,100
97,391,749
7,071,405
535,571,597

85.24%
10.21%
162.99%
-10.66%
-18.47%

BSD, 15 Juni 2016

Beban Operasional
I. Bunga Kepada Bank Lain
567/00. Deposito Berjangka
568/00. Pinjaman dari Bank
569/00. Pinjaman Subordinasi
II. Bunga Kepada Pihak ke 3 Non Bank
571/00. Tabungan
572/00. Deposito Berjk. Perorangan
573/00. Pinjaman Pihak Ketiga
574/00. Pembayaran LPS
590 Premi Asuransi
592 592/01. Gaji, Upah & Honor
592/06. Biaya Pendidikan
592/09. Lainnya
593 Sewa
594 PP46/PPN/Pjk Kendaraan Invent
595 Pemeliharaan & Perbaikan
596 Penyusutan / Penghapusan
597 Barang dan Jasa
598 Lainnya
730 Beban non operasional
Jumlah Beban
90/91

Bunga non lancar

92/93

Bunga lancar yang diterima

18,927,783
249,362,728
784,300,000
450,000,000
450,000,000
2,133,099,341
2,000,000,000
2,000,000,000
133,099,341
18,332,591
(7,114,100)
(228,814,275)
(235,928,375)
3,418,094,068
(122,389)

55,416
332,500
-

887,500
-

887,500

745,332,072
46,061,886
13,562,490
18,264,144
12,855,052
1,380,200
14,108,600
252,297,700
17,485,000
3,221,500
14,500,000
21,391,551
20,277,214
133,859,485
118,245,136
103,884,000
19,053,800
764,385,872
(55,454,700)
(338,217,400)
(393,672,100)

Tarif Lama

170,500,000

5,000,000
7,500,000
70,037,607 Laba Dikurangi 100.000.000,82,537,607 Pajak Progresif

Deposito
1,234,300,000
139,290,299
11
pjk progresif
5,000,000
7,500,000
3,195,771
15,695,771
pjk progresif
(217,595,784)

Tarif Baru
25%
50%

82,743,543
74,195,829

(28,601,784)
(33,029,973)

91,319,546

(28,601,784)

(33,029,973)

hapusbuku
Hapustagih

141,839,309
40,119,500

107002777
2667312187.4

697882141
6901812 Tunggakan
2712766
41446
0
0
4147600
530304705
23747401
0
136928223
1089106
698971247

443,538,734

209,340,396

( Andika Rasie Fanani.,SE )


Accounting

( Ir. Suhirno )
Direktur

Total Rekap
Hapusbukuan
Hapus tagih

5,325,532
Pokok

Tunggakan Pokok

Jumlah Tunggakan Pokok+Bunga

5,325,532

141,839,309
40,119,500

443,538,734

49,866,634

15 Juni 2016
BB
100
120
120/00
120/01
120/01
120/01
120/00
120/02
120/03
130
140
180/05
180/05
165
165/00
165/01
166
180
200
210
240/00
240
220/00
251
240/01
240/01
240/01
270
281
281
281/00
281/01

NAMA
REKENING
Kas
Antarbank Aktiva
Giro pd.BNI
Giro pd.Bank CIMB Niaga
Giro pd.BCA
Giro pd.Bank Andara
Dep bjgk pd Bank Swasta
Tabungan Bank Andara
Kredit Antar Bank Aktiva
Kredit yg diberikan
PPAP
Persekot
KYD Provisi Kredit (-/-)
Aktiva tetap & Inventaris
Inventaris
Inventaris Kendaraan
Akumulasi penyusutan
Bunga Kredit
Kewajiban sgr dpt dibayar
Tabungan
Deposito berjangka
Antarbank Pasiva
Dep berjk Perorangan
Pinjaman yang diterima
Pinjaman dari Bank lain
Pinjaman Subordinasi
Pinjaman Pihak Ketiga
Rupa-rupa Pasiva
Jumlah Modal
Modal
Modal Dasar
Dana Setoran Modal
Dana yg blm Disetor
Cadangan Umum
PPAP
Laba / Rugi tahun lalu
Taksiran pajak thn berjalan
Laba / Rugi tahun berjalan
HB dari Bank Lain
Tabungan
Giro
Setifikat deposito
Deposito Berjangka
Kredit yg diberikan ABA
HB dr pihak ke 3 non bank
Pendapatan Provisi

291/00
140
302/00
735/00
302
412
413
412/00
414/00
415/00
416/00
420
420
431
449 Pendapatan operasional lainnya
629 Pendapatan non operasional
567 Bebab Bunga
571 Tabungan BPR
567 BB Dep Perusahaan
572/00
BB Dep Perorangan
574/00
BB Lainnya
568 Pinjaman dari Bank lain
569/00
Pinjaman Subordinasi
573/00
Pinjaman Pihak Ketiga
590 Premi asuransi
592 Gaji, Upah & Honor
Biaya Pendidikan
Lainnya
593 Sewa/Kontrak
594 Pajak -pajak
595 Pemeliharaan/Perbaikan
596 Penyusutan/penghapusan
597 Barang dan jasa-jasa
598/01
Lainnya
730 Beban non operasional
90 Bunga macet yg msh diterima
91 Bunga macet yg msh ditagih
92 Bunga lancar yg msh diterima
93 Bunga lancar yg msh ditagih
J U M LAH

Kas

DEBET
3,415,116

KREDIT
1,022,916

PEMINDAHAN
DEBET
KREDIT
-

635,000

1,472,200

887,500
1,055,416

55,416

332,500

887,500
887,500
4,438,032

4,438,032

4,438,032
3,415,116

4,438,032
1,022,916

887,500

887,500

hapusbuku
hapustagih
Tunggakan Pokok

JUMLAH
DEBET
3,415,116
635,000
55,416
332,500
887,500
5,325,532

5,325,532

KREDIT
1,022,916
1,472,200
887,500
1,055,416
887,500
5,325,532

15 Juni 2016
00
56,982,311
01
03.01
03.02
120/03
10
11
20
32
33
37
38
50
51
52.03
52.02
53.01
53.03
54
55.01
55.02
55.03
38

59.02
59.02sbl

94,938,668
1,418,512
3,095,824,283
31,315,388
(61,960,682)
368,518,063
227,347,500
378,948,573
164,115,529
18,927,783
249,362,728
784,300,000
450,000,000
2,000,000,000
2,000,000,000
133,099,341
181,456,931

(228,814,275)
(235,928,375)
528,500,192
7,071,405
521,428,787

Beban
NonOp

745,332,072
19,053,800
726,278,272

Modal
ATMR

149,083,234

282,283.89
2,504,729,891.65

216,916,990.00
164,115,529.00

Asset
3,418,094,068
3,418,094,068
-

2,843,071,746.14

97,391,749

(114,407,137.50)

5,399,761,477
2,051,120,347
2,874,388,553
Inti

CAR

70.11%

LDR

85.24%

Cash Rat

18,987,733.60

(61,960,682.00)

Pndpt
NonOp

Total Ass

7,093
181,449,838

96,357,180
1,411,419
2,946,741,049
PPAP non lancar

2,015,190,491
1,616,762,069
3,631,952,560

10.21%

Effisi

162.99% Alt likuid

ROA

-10.66%

ROE

-18.47%

153,339,491

1,767,808,918

DATA TOTAL Asset (Rata-rata) & Laba/Rugi sebelum pajak

Periode
thn./bln
2011
Juni
Juli
Agustus
September
Oktober
November
Desember
2012
Januari
Februari
Maret
April
Mei

Jumlah
s/d bulan

Asset
Saldo
x bln.

Rata-rata
Nominal

Laba/rugi Sebelum Pajak


Jumlah
Saldo
per bulan
x bln.

###
###
###
###
###
###
###

3,997,407,096.00
7,947,115,711.00
11,609,498,428.00
15,459,632,847.00
19,112,710,486.00
22,766,970,644.00
26,247,419,042.00

1
2
3
4
5
6
7

3,997,407,096.00
3,973,557,855.50
3,869,832,809.33
3,864,908,211.75
3,822,542,097.20
3,794,495,107.33
3,749,631,291.71

12,432,827.00
23,358,100.00
18,477,080.00
9,369,997.00
(4,155,948.00)
5,394,187.00
(303,010,104.00)

1
2
3
4
5
6
7

###
###
###
###
###

29,459,263,445.00
32,508,469,175.40
35,527,121,404.80
38,485,783,198.20
41,903,877,266.20

8
9
10
11
12

3,682,407,930.63
3,612,052,130.60
3,552,712,140.48
3,498,707,563.47
3,491,989,772.18

(101,809,169.00)
38,627,400.40
48,198,767.00
15,901,262.00
(236,846,635.40)

8
9
10
11
12

DATA TOTAL BIAYA & PENDA


Sebelum Pajak
Saldo
Nominal

Ket.

Periode
thn./bln

2010

Laba s/d ( 2010 )

12,432,827.00
35,790,927.00
54,268,007.00
63,638,004.00
59,482,056.00
64,876,243.00
(238,133,861.00)

9,319,586.00
21,752,413.00
45,110,513.00
63,587,593.00
72,957,590.00
68,801,642.00
74,195,829.00
(228,814,275.00)
Laba s/d ( 2011 )

(238,133,860.00)
(199,506,459.60)
(151,307,692.60)
(135,406,430.60)
(372,253,066.00)

(101,809,169.00)
(63,181,768.60)
(14,983,001.60)
918,260.40
(235,928,375.00)

mei
Juni
Juli
Agustus
September
Oktober
November
Desember

2011
Januari
Februari
Maret
April
Mei

TOTAL BIAYA & PENDAPATAN OPERASIONAL


BIAYA OPERASIONAL
Jumlah
per. bulan

Saldo
x bln.

PEND. OPERASIONAL
Ket.

Nominal

Jumlah
per. bulan

Saldo
x bln.

Nominal

Biaya. s/d 2010


703,602,452.00

703,602,452.00

703,602,452.00

101,457,733.00

101,457,733.00

83,147,149.00

786,749,601.00

786,749,601.00

105,756,155.00

207,213,888.00

90,003,074.00

876,752,675.00

876,752,675.00

108,808,325.00

316,022,213.00

120,448,584.00

997,201,259.00

997,201,259.00

129,648,595.00

445,670,808.00

72,545,371.00

1,069,746,630.00

1,069,746,630.00

68,669,561.00

514,340,369.00

76,120,555.00

1,145,867,185.00

1,145,867,185

81,823,539.00

596,163,908.00

86,207,385.00

1,232,074,570.00

1,232,074,570.00

88,560,900.00

684,724,808.00

Biaya. s/d 2011


166,886,148.00

1,398,960,718.00

166,886,148.00

65,181,700.00

749,906,508.00

48,770,711.60

1,447,731,429.60

215,656,859.60

87,402,473.00

837,308,981.00

35,234,085.00

10

1,482,965,514.60

250,890,944.60

85,489,122.00

10

922,798,103.00

59,010,125.00

11

1,541,975,639.60

309,901,069.60

75,371,611.00

11

998,169,714.00

435,431,002.40

12

1,977,406,642.00

745,332,072.00

215,055,286.00

12

1,213,225,000.00

NAL
Ket.
CONTROL :
Pend. s/d 2010
624,642,921.00

624,642,921.00

726,100,654.00

22,498,202.00

831,856,809.00

45,107,208.00

940,665,134.00

63,912,459.00

1,070,313,729.00

73,112,470.00

1,138,983,290.00

69,236,660.00

1,220,806,829.00

74,939,644.00

1,309,367,729.00

77,293,159.00

Pend. s/d 2011


65,181,700.00

(101,704,448.00)

152,584,173.00

(63,072,686.60)

238,073,295.00

(12,817,649.60)

313,444,906.00

3,543,836.40

528,500,192.00

(216,831,880.00)

Lap BI

Bulan
12/09
01/10
02/10
03/10
04/10
05/10
06/10

Total Asset
5,155,207,484
4,744,707,620
4,692,267,284
4,519,564,919
4,356,596,008
4,277,736,758
3,997,407,096

PERBANDINGAN ASSET
Semester I 2009
6,000,000,000
5,000,000,000

4,000,000,000

3,000,000,000
2,000,000,000
1,000,000,000
-

Bulan
12/09
01/10
02/10
03/10
04/10
05/10
06/10

Total Laba
332,920,772
7,942,766
(117,268,268)
(87,389,503)
(19,802,398)
9,319,586
21,752,413

PERBANDINGAN LABA RUGI


Semester I 2009
40,000,000

20,000,000
-

1
4

(20,000,000)
(40,000,000)
(60,000,000)

BSD City, 30 Juni 2009


Diketahui,

(80,000,000)

(100,000,000)

Manser Sinambela, SE
Direktur Utama

(120,000,000)
(140,000,000)

Bulan
12/09
01/10
02/10
03/10
04/10
05/10
10/12

Total Kredit
3,818,446,969
3,794,858,302
3,666,944,159
3,685,398,616
3,522,879,730
3,418,184,953
2,034,551,909

PERBANDINGAN KREDIT YG DIBERIKAN


Semester III 2012

4,500,000,000
4,000,000,000

3,500,000,000

3,000,000,000
2,500,000,000

2,000,000,000
1,500,000,000
1,000,000,000
500,000,000
-

Bulan
Total Penc Kredit
12/08
01/09
221,000,000
02/09
467,500,000
03/09
310,500,000
04/09
204,500,000
05/09
187,649,000
06/09
275,500,000

PERBANDINGAN PENCAIRAN KREDIT


Semester III 2012
500,000,000

450,000,000
400,000,000
350,000,000

300,000,000
250,000,000

BSD City, 30 Juni 2009


Diketahui,

200,000,000
150,000,000
100,000,000
50,000,000

Manser Sinambela, SE
Direktur Utama

6
4

Bulan
01/09
02/09
03/09
04/09
05/09
10/12

Total Tabungan
318,902,863
287,698,227
801,396,297
626,458,400
599,031,657
287,902,308

PERBANDINGAN TABUNGAN
Semester III 2012
900,000,000

800,000,000
700,000,000

600,000,000

500,000,000
400,000,000
300,000,000

200,000,000
100,000,000
-

Bulan
01/09
02/09
03/09
04/09
05/09
06/09

Total Deposito
1,292,000,000
1,209,500,000
1,116,500,000
1,016,500,000
841,500,000
691,500,000

BSD City, 30 Juni 2009


Diketahui,

Manser Sinambela, SE
Direktur Utama

PERBANDINGAN DEPOSITO
Semester I 2009
1,400,000,000

1
1,200,000,000

2
3

1,000,000,000
800,000,000

4
5
6

600,000,000
400,000,000
200,000,000
-

Bulan
01/09
02/09
03/09
04/09
05/09
06/09

T. Pokok
359,377,081
400,152,531
431,324,824
379,354,272
358,339,416
360,419,026

PERBANDINGAN TUNGGAKAN POKOK


Semester I 2009
500,000,000
450,000,000
350,000,000

400,000,000

300,000,000
250,000,000
200,000,000
150,000,000
100,000,000
50,000,000
-

Bulan
01/09
02/09
03/09
04/09
05/09
06/09

T. Bunga
214,232,819
236,986,204
251,354,786
243,194,121
228,915,237
227,264,521

PERBANDINGAN TUNGGAKAN BUNGA


Semester I 2009
260,000,000

250,000,000

240,000,000

230,000,000

220,000,000

BSD City, 30 Juni 2009


Diketahui,

210,000,000
200,000,000
190,000,000

Manser Sinambela, SE
Direktur Utama

Bulan
07/09
08/09
09/09
10/09
11/09
12/09

Total Asset
5,939,290,313
5,641,415,521
5,599,818,825
5,364,451,456
5,248,757,937
3,418,094,068

PERBANDINGAN ASSET
Semester II 2009
7,000,000,000
6,000,000,000

5,000,000,000

4,000,000,000

3,000,000,000
2,000,000,000
1,000,000,000
-

Bulan
07/09
08/09
09/09
10/09
11/09
12/09

Total Laba
329,145,130
359,093,653
340,135,164
372,384,143
377,561,099
(228,814,275)

PERBANDINGAN LABA RUGI


Semester II 2009
500,000,000
400,000,000
300,000,000

200,000,000
100,000,000
(100,000,000)

BSD City, 31 Desember 2009


Diketahui,

Manser Sinambela, SE
Direktur Utama

(200,000,000)
(300,000,000)

PERBANDINGAN KREDIT YG DIBERIKAN


Semester II 2009
Bulan
07/09
08/09
09/09
10/09
11/09
12/09

Total Kredit
4,510,142,035
4,412,811,982
4,211,755,900
4,076,890,466
3,982,917,687
3,095,824,283

5,000,000,000

4,500,000,000

4,000,000,000

3,500,000,000

3,000,000,000
2,500,000,000
2,000,000,000
1,500,000,000
1,000,000,000
500,000,000
-

Bulan
Total Penc Kredit
07/09
179,000,000
08/09
222,000,000
09/09
125,500,000
10/09
134,500,000
11/09
162,500,000
12/09
205,000,000

PERBANDINGAN PENCAIRAN KREDIT


Semester II 2009
250,000,000

200,000,000

150,000,000

3
100,000,000

BSD City, 31 Desember 2009


Diketahui,

50,000,000
-

Manser Sinambela, SE
Direktur Utama

Bulan
Total Tabungan
07/09
555,315,403
08/09
538,607,421
09/09
532,770,131
10/09
462,815,120
11/09
375,129,676
12/09
249,362,728

PERBANDINGAN TABUNGAN
Semester II 2009
600,000,000
555,315,403

538,607,421

500,000,000

532,770,131
462,815,120

400,000,000

375,129,676

300,000,000
249,362,728
200,000,000
100,000,000
-

Bulan
07/09
08/09
09/09
10/09
11/09
12/09

Total Deposito
1,041,500,000
869,000,000
919,000,000
851,500,000
951,500,000
1,234,300,000

PERBANDINGAN DEPOSITO
Semester II 2009
1,400,000,000

1,000,000,000

BSD City, 31 Desember 2009


Diketahui,

800,000,000
600,000,000
400,000,000

Manser Sinambela, SE
Direktur Utama

1,234,300,000

1,200,000,000

200,000,000
-

1,041,500,000
869,000,000

919,000,000

951,500,000
851,500,000

Bulan

07/09
08/09
09/09
10/09
11/09
12/09

T. Pokok

393,712,728
412,625,374
476,644,771
483,695,611
496,574,781
484,022,292

PERBANDINGAN TUNGGAKAN POKOK


Semester II 2009
600,000,000
500,000,000

400,000,000

3
1

300,000,000
200,000,000

100,000,000

Bulan

07/09
08/09
09/09
10/09
11/09
12/09

T. Bunga

251,383,153
259,804,181
276,525,198
260,291,861
271,350,841
262,147,930

PERBANDINGAN TUNGGAKAN BUNGA


Semester II 2009
280,000,000

275,000,000

BSD City, 31 Desember 2009


Diketahui,

270,000,000
265,000,000

260,000,000

Manser Sinambela, SE
Direktur Utama

255,000,000
250,000,000
245,000,000
240,000,000
235,000,000

BULAN

KOMULATIF

LABA

LAKOM

PAJAK

1,594,357,128

419,397,638

108,319,291

170,123,015

121,487,851

48,635,164

FEB

346,360,133

247,194,830

MARET

560,295,438

APRIL
MEI

12/08
01/09

PDPTAN

BEBAN

ASET

NETTO

Laba Netto

Lakom

Pdptan

Beban

per bln

per bln

per bln

per bln

311,078,347

6,804,835,700

25,923,196

34,949,803

167,812,897

132,863,094

48,635,164

6,759,750,971

48,635,164

48,635,164

170,123,015

121,487,851

99,165,303

99,165,303

6,525,012,581

99,165,303

99,165,303

346,360,133

247,194,830

385,600,224

174,695,214

174,695,214

6,792,818,110

174,695,214

174,695,214

560,295,438

385,600,224

747,782,980

526,056,909

221,726,071

221,726,071

6,401,236,495

221,726,071

221,726,071

747,782,980

526,056,909

944,802,206

652,524,564

292,277,642

292,277,642

6,033,547,331

292,277,642

292,277,642

944,802,206

652,524,564
775,954,558

2,013,754,766

JUNI

1,099,856,935

775,954,558

323,902,377

323,902,377

5,781,275,451

323,902,377

323,902,377

1,099,856,935

JULI

1,232,268,730

903,123,600

329,145,130

329,145,130

5,939,290,313

329,145,130

329,145,130

1,232,268,730

903,123,600

AGUST

1,377,181,501

1,018,087,848

359,093,653

359,093,653

5,641,415,521

359,093,653

359,093,653

1,377,181,501

1,018,087,848

SEPT

1,505,654,708

1,165,519,544

340,135,164

340,135,164

5,599,818,825

340,135,164

340,135,164

1,505,654,708

1,165,519,544

OKT

1,652,790,208

1,280,406,065

372,384,143

372,384,143

5,364,451,456

372,384,143

372,384,143

1,652,790,208

1,280,406,065

(228,814,275)

(228,814,275)

3,418,094,068

(228,814,275)

(228,814,275)

535,571,597

764,385,872

NOV

535,571,597

DES

764,385,872

50 juta

10%

50 jt s.d 100 jt

15%

100 jt

30%

759,181
759,181
759,181

(229,573,456)
(6,887,203.69)

379,591

189,795

(491,943.12) Jaspro
3,599,539

BULAN

TABUNGAN

12/08

300,720,749

01/09

KREDIT

DROP

% PINJ

5,284,177,960

318,902,863

18,182,114

5,174,672,890

(109,505,070)

221,000,000

FEB

287,698,227

(31,204,636)

5,257,589,156

82,916,266

467,500,000

246,500,000

MARET

801,396,297

513,698,070

5,207,947,967

(49,641,189)

310,500,000

(157,000,000)

APRIL

626,458,400

(174,937,897)

4,999,066,190

(208,881,777)

204,500,000

(106,000,000)

MEI

599,031,657

(27,426,743)

4,675,676,911

(323,389,279)

187,649,000

(16,851,000)

JUNI

599,384,757

353,100

4,617,356,810

(58,320,101)

275,500,000

87,851,000

JULI

555,315,403

(44,069,354)

4,510,142,035

(107,214,775)

179,000,000

(96,500,000)

AGUST

538,607,421

(16,707,982)

4,412,811,982

(97,330,053)

222,000,000

43,000,000

SEPT

532,770,131

(5,837,290)

4,211,755,900

(201,056,082)

125,500,000

(96,500,000)

OKT

249,362,728

(283,407,403)

4,076,890,466

(134,865,434)

134,500,000

NOV

249,362,728

3,095,824,283

(981,066,183)

9,000,000
(134,500,000)

DES

2,327,649,000

Perkembangan Asset
Des 08 s/d Des 2009
8,000,000,000
7,000,000,000

6,000,000,000

10

5,000,000,000

11

4,000,000,000

12

3,000,000,000
2,000,000,000

Bulan
12/08
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

Total Asset
6,807,335,700
6,759,750,971
6,525,012,581
6,792,818,110
6,401,236,495
6,033,547,331
5,781,275,451
5,939,290,313
5,641,415,521
5,599,818,825
5,364,451,456
3,418,094,068
-

Bulan
12/08
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

Total Laba
419,397,638
48,635,164
99,165,303
174,695,214
221,726,071
292,277,642
323,902,377
329,145,130
359,093,653
340,135,164
372,384,143
(228,814,275)
-

1,000,000,000

13

Perkembangan Laba Rugi


Jan s/d Des 2009
500,000,000
400,000,000
300,000,000

200,000,000
100,000,000
-

3
1

10

2
12

(100,000,000)
(200,000,000)
(300,000,000)

Kenaikan
Penurunan

11

BSD City, 31 Desember 2009


Diketahui,

Manser Sinambela, SE
Direktur Utama

PERBANDINGAN KREDIT YG DIBERIKAN


Des 08 s/d Des 2009

Bulan
12/08
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

6,000,000,000

5,000,000,000

10

4,000,000,000

11
12

3,000,000,000
2,000,000,000
1,000,000,000

13

PERBANDINGAN PENCAIRAN KREDIT


Jan s/d Des 2009
500,000,000

450,000,000
400,000,000
350,000,000

300,000,000
250,000,000
200,000,000

Total Kredit
5,284,177,960
5,174,672,890
5,257,589,156
5,207,947,967
4,999,066,190
4,675,676,911
4,617,356,810
4,510,142,035
4,412,811,982
4,211,755,900
4,076,890,466
3,095,824,283
-

150,000,000

6
4

8
7
9

100,000,000
50,000,000

10

Bulan
Total Penc Kredit
12/08
416,000,000
01/09
221,000,000
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

BSD City, 31 Desember 2009


Diketahui,

Kenaikan
Penurunan

Manser Sinambela, SE
Direktur Utama

PERBANDINGAN TABUNGAN
Jan s/d Des 2009
900,000,000

800,000,000
700,000,000

600,000,000
500,000,000

400,000,000

300,000,000

10

200,000,000

11

Bulan
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

Total Tabungan
318,902,863
287,698,227
801,396,297
626,458,400
599,031,657
599,384,757
555,315,403
538,607,421
532,770,131
249,362,728
249,362,728
-

Bulan
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

Total Deposito
1,292,000,000
1,234,300,000

100,000,000
-

PERBANDINGAN DEPOSITO
Jan s/d Des 2009
1,300,000,000
1,290,000,000

1,280,000,000
1,270,000,000
1,260,000,000
1,250,000,000
1,240,000,000
1,230,000,000

12

1,234,300,000

1,220,000,000
1,210,000,000
1,200,000,000

Kenaikan

BSD City, 31 Desember 2009


Diketahui,
Manser Sinambela, SE
Direktur Utama

Penurunan

Tunggakan Bunga Kredit Yang Diberikan


Jan s/d Des 2009
250,000,000

200,000,000

150,000,000

100,000,000

50,000,000

Bulan
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

T. Bunga
214,232,819

Bulan
01/09
02/09
03/09
04/09
05/09
06/09
07/09
08/09
09/09
10/09
11/09
12/09

T. Pokok
359,377,081

Tunggakan Pokok Kredit yg diberikan


Jan s/d Des 2009
400,000,000
350,000,000

300,000,000
250,000,000
200,000,000
150,000,000
100,000,000
50,000,000
-

10

11

12

BSD City, 31 Desember 2009


Diketahui,

Kenaikan
Penurunan

Manser Sinambela, SE
Direktur Utama

Bulan
Jan
Feb
Mar
Apr
Mei
Jun
Jul
Agust
Sep
Okt
Nop
Des

Perbandingan
Laba Rugi
48,635,164
50,530,139
75,529,911
47,030,857
70,551,571
31,624,735
5,242,753
29,948,523
(18,958,489)
32,248,979
(601,198,418)
228,814,275
(340,135,164)

Bulan
01/07
02/07
03/07
04/07
05/07
06/07
07/07
08/07
09/07
10/07
11/07
12/07

Perkembangan Laba Rugi Perbulan


Tahun 2009
300,000,000

12

200,000,000
100,000,000

10

(100,000,000)
(200,000,000)
(300,000,000)
(400,000,000)
(500,000,000)

11

(600,000,000)
(700,000,000)

Perbandingan
Kredit

Perkembangan Kredit perbulan


Tahun 2009

(109,505,070)
82,916,266
(49,641,189)
(208,881,777)
(323,389,279)

500,000,000
-

(58,320,101)
(107,214,775)
(97,330,053)
(201,056,082)
(134,865,434)
(981,066,183)
(3,095,824,283)

BSD City, 31 Desember 2009


Diketahui,

(500,000,000)
(1,000,000,000)

10
11

(1,500,000,000)
(2,000,000,000)
(2,500,000,000)
(3,000,000,000)
(3,500,000,000)

Manser Sinambela, SE

12

Direktur Utama

PT. BPR LAKSANA LESTARISERPONG


Rekonsiliasi Laba Rugi Fiskal
PPH Badan Tahun 2007
Bulan Oktober 2007
Uraian

Komersial

Pedapatan usaha
-/- Cadangan piutang tak tertagih

526,406,167
-

526,406,167
-

526,406,167

526,406,167

Jumlah
Penghasilan diluar usaha
- Non Op
- Bunga Bank
Jumlah
80.
81.
82.

Bunga
Premi Asuransi

83.
85.
86.
87.
88.
84.
89.

Sewa / kontrak
Pajak-pajak
Pemeliharaan / Perbaikan
Penyusutan / Penghapusan
Barang dan Jasa
Honorarium
Beban non operasional

Gaji, Upah & Honor


Biaya Pendidikan
Lainnya

Total Biaya Usaha


Laba/rugi bersih sebelum pajak
Perhitungan PPh Badan tahun 2006
Peredaran usaha
Biaya usaha lainnya
Penghasilan Nett dari usaha
Penghasilan yg dikenakan fiskal
Penyesuaian fiskal positif
Jumlah penghasilan Netto Fiskal
Kompensasi Kerugian
Penghasilan Kena Pajak
PPh terhutang :
10% X Rp. 50.000.000,15% X Rp. 100.000.000,30% X Rp. 237,039,233,PPh 25 yang telah dibayar
PPh 23
PPh 21
PPh terhutang :
pjk yang akan dibayar

Koreksi

7,071,405
2,094,025
9,165,430
46,061,886
14,108,600
252,297,700
17,485,000
3,221,500
14,500,000
21,391,551
20,277,214
133,859,485
118,245,136
103,884,000
19,053,800
764,385,872
###

Fiskal

(7,071,405)
(2,094,025)

(9,165,430)

1,985,000
2,250,000

46,061,886
14,108,600
252,297,700
17,485,000
1,236,500
14,500,000
21,391,551
20,277,214
133,859,485
118,245,136
103,884,000
16,803,800

4,235,000

760,150,872

(4,930,430)

526,406,167
764,385,872
(237,979,705)
9,165,430
4,235,000
(242,910,135)
-

###
(233,744,705)
535,571,597

###
(392,910,135)
5,000,000
15,000,000
,= 71,111,770
91,111,770
=
(7,114,100)
(25,801,806)
(7,153,225)
51,042,639

6,380,330

Keterangan :
1
Pembelian baju seragam karyawan/ti 1,985,000,2
Sumbangan-sumbangan 2,250,000,-

526,406,167
764,385,872
(237,979,705)
9,165,430
(247,145,135)
1,985,000
(245,160,135)
5,000,000
7,500,000
-

88,429,310
100,929,310
7,114,100
93,815,210

5,000,000
15,000,000
71,111,770
91,111,770
83,997,670 kurang pjk

1
2
3
4
5
6
7
8
9
10
11
12

304,096,557 pjk kandraan


2,241,404 pjk kry
2,478,672 pjk giro
2,317,755
2,314,156
2,393,649
2,387,357
2,255,852
2,241,924
2,357,444
2,324,709
2,488,884
25,801,806

10%
15%
30%
PPh 25
PPh 23
PPh 22
yg dibyr

5,000,000
7,500,000
89,957,217
102,457,217
25,801,806
7,153,225
69,502,186
12,396,364

57,105,822
14,276,455

2,577,000
1,794,329
2,781,896
7,153,225

1,310,000
200,000
1,110,000
216,000
894,000
600,000
294,000
9,800

244,000
8,133

4,900

4,067