Financial Publication Report (Monthly)

Balance Sheet
PT BANK SYARIAH MANDIRI
GD. BANK SYARIAH MANDIRI, JL. MH.THAMRIN NO.5, JKT
Phone (021) 2300509
per December 2005
(in Million IDR)
Pos-pos
ASSETS
Cash
Placements to Bank Indonesia
a.Wadiah current accounts
b.Bank Indonesia Wadiah Certificate (SWBI)
Placements to other banks
a.Rupiah
Allowance for Earning Asset Possible Losses (PPAP) -/b.Foreign Currency
Allowance for Earning Asset Possible Losses (PPAP) -/Securities
a.Rupiah
i.Holding to maturity
ii.Others
Allowance for Earning Asset Possible Losses (PPAP) -/b.Foreign Currency
i.Holding to maturiy
ii. Others
Allowance for Earning Asset Possible Losses (PPAP) -/Murabaha receivables
a.Rupiah
a.1.Related with bank
1.Murabahah receivables
2.Income of Deferred Murabahah Margin -/a.2.Not related with bank
1.Murabahah receivables
2.Income of Deferred Murabahah Margin -/Allowance for Earning Asset Possible Losses (PPAP) -/b.Foreign Currency
b.1.Related parties with bank
1.Murabahah receivables
2.Income of Deferred Murabahah Margin -/b.2.Not related parties with bank
1.Murabahah receivables
2.Income of Deferred Murabahah Margin -/Allowance for Earning Asset Possible Losses (PPAP) -/Salam receivables
Allowance for Earning Asset Possible Losses (PPAP) -/Istishna receivables
Income of deferred Istishna Margin -/Allowance for Earning Asset Possible Losses (PPAP) -/-

Bank
12-2005
94,074
1,689,026
1,689,026
4,760
4,760
(2,076)
(25)
440,745
401,425
335,409
66,016
(4,831)
39,320
39,320
(13)
3,948,212
3,483,610
22,664
36,171
(13,507)
3,460,946
4,684,906
(1,223,960)
(116,852)
464,602

464,602
533,312
(68,710)
(335)
91,123
(35,007)

Qardh receivables
Allowance for Earning Asset Possible Losses (PPAP) -/Financing
a.Rupiah
a.1.Related with bank
a.2.Not related with bank
Allowance for Earning Asset Possible Losses (PPAP) -/b.Foreign Currency
a.1.Related with bank
a.2.Not related with bank
Allowance for Earning Asset Possible Losses (PPAP) -/Inventories
Ijarah
a.Asset of Ijarah
b.Accumulated depreciation asset of Ijarah -/Allowance for Earning Asset Possible Losses (PPAP) -/Others receivables
Allowance for Earning Asset Possible Losses (PPAP) -/Equity participation
Allowance for Earning Asset Possible Losses (PPAP) -/Asset of Istishna' in process
Term of Istishna -/Income will be received (Accrual Receivables)
Prepaid expense
Advance tax
Asset of deffered tax
Fixed asset
Accumulated depreciation of fixed asset
-/Foreclosed Collateral
Others asset
TOTAL ASSETS
LIABILITIES & EQUITY
Wadiah fund
a.Wadiah current account
b.Wadiah saving account
Other current liabilities
Liabilities to Bank Indonesia
a.Sharia short term funding facility (FPJPS)
b.Others
Liabilities to other banks
Securities issued
Loan/financing received
a.Rupiah
i.Related with bank
ii.Not related with bank
b.Foreign Currency
i.Related with bank
ii.Not related with bank
Estimated losses on commitment and contingencies
Accrued expense
Estimated income tax
Deferred tax liabilities
Others liabilites
Subordinated loan
a.Rupiah
i.Related with bank
ii.Not related with bank
b.Foreign Currency
i.Related with bank
ii.Not related with bank
Others liabilites

71,824
1,698,664
1,651,908
9,931
1,641,977
46,756
46,756
57,053
68,077
(11,024)
20,484

16,031
95,608
3,533
218,177
(94,845)
29,781
105,855
8,330,966
1,261,649
1,261,472
177
103,751

156,827
200,000

6,313
32,708
43,927
36,353
32,000
32,000
32,000

Loan capital
Minority right
Unrestricted investment fund (Mudharabah Muthlaqah)
a.Mudharabah saving account
b.Mudharabah Time Deposits
b.1.Rupiah
b.2.Foreign Currency
Equity
a.Paid up capital
b.Agio(disagio)
c.Donated capital
d.Funds for paid up capital
e.Translation adjustment in financial statement
f.Reserves for revaluation of fixed asets
g.Balance of profit(Loss)
TOTAL LIABILITIES & EQUITY

5,806,108
1,987,864
3,818,244
3,442,601
375,643
651,327
358,373

292,954
8,330,963

Financial Publication Report (Monthly)

Income Statement
PT BANK SYARIAH MANDIRI
GD. BANK SYARIAH MANDIRI, JL. MH.THAMRIN NO.5, JKT
Phone (021) 2300509
per December 2005
(in Million IDR)
Pos-pos
OPERATING REVENUES AND EXPENSES
I.OPERATING INCOME AND EXPENSE

Bank
12220052005
986,398

A.Income from fund disbursement

1.From third party non-Bank
a.Murabahah margin income
b.Paralel Salam net income
c.Paralel Istishna net income
i.Istishna' income
ii.Cost of Istishna' -/d.Ijarah leased income
e.Mudharabah revenue sharing income
f.Musyarakah revenue sharing income
g.Income from Equity participation
h.Others
2.From Bank Indonesia
a.Bank Indonesia Wadiah Certificate (SWBI) Bonuses
b.Others
3.From others bank in Indonesia
a.Bonuses from other sharia bank
b.Mudharabah revenue sharing income
i.Mudharabah saving account
ii.Mudharabah Time Deposits
iii.Mudharabah Interbank Investment Certificate
iv.Others
c.Others
B.Others Operating Income
1.Restricted Investment fees (Mudharabah Muqayyadah)
2.Services fee
3.Foreign exchange transaction income
4.Correction of Allowance for Earning Asset Possible Losses (PPAP)
5.Correction of Allowance for Administrative account Possible Losses (PPAP)
6.Others
II.Revenue sharing distributed for investor of unrestricted investment fund -/1.Third parties non - bank
a.Mudharabah saving account
b.Mudharabah Time deposits
c.Others
2.Bank Indonesia
a.Sharia short term funding facility (FPJPS)
b.Others
3.Others bank in and outside Indonesia
a.Mudharabah saving account
b.Mudharabah Time deposits
c.Mudharabah Interbank Investment certificate
d.Others
III.Operating Income after revenue sharing distributed For Investor of unrestricted investment fund
( I - II )
IV.Expense (income) of provision for asset possible losses
V.Expense (income) for estimated losses of commitment and contingencies
VI.Others Operating expense
A.Wadiah consignment bonuses expense
B.General and administration expense
C.Salaries and employee benefit
D.Securities value reduction expense
E.Foreign exchange transaction expense
F.Promotion expense
G.Others expense
VII.Operating profit (loss)
NON OPERATING INCOME AND EXPENSE
VIII.Non operating income
2)
IX.Non operating expense
3)
X.Non operating proft (loss) (VI - VII)
XI.Current year profit (loss) (V + VIII)

878,775
869,935
565,029
13,106
13,271
165
18,070
72,710
137,735
63,285
4,627
4,627
4,213
4,213
670
3,543
107,623
7,827
12,397
2,782
14,000
70,617
386,385
365,905
100,324
243,349
22,232

20,480
1,575
12,269
6,636
600,013
(99,066)
(4,211)
(349,794)
(12,195)
(72,406)
(151,565)
(5)
(28,381)
(85,242)
146,942
2,406
(2,722)
(316)
146,626

XII.Estimated income tax

XIII.Profit (Loss) 4)

Financial Publication Report (Monthly)

Off Balance Sheet

(43,927)
102,557

PT BANK SYARIAH MANDIRI

GD. BANK SYARIAH MANDIRI, JL. MH.THAMRIN NO.5, JKT
Phone (021) 2300509
per December 2005
(in Million IDR)
Pos-pos

Bank
12-2005

COMMITMENTS
Commitment Claims
Financing facility received but not yet used
Current Spot Buying Position
1,397
a.Related with Bank
1,397
b.Not related with bank
Current Forward Buying Position
a.Related with Bank
b.Not related with bank
Others
Total Commitment claims
1,397
Commitment Liabilities
Facility of Qardh receivables not yet withdrawn
184
Facility of financing to customer not yet withdrawn
67,339
a.Mudharabah
15,616
b.Musyarakah
51,723
Facility of financing to other sharia bank not yet withdrawn
Current Irrevocable L/C
141,034
Current spot selling position
2,163
a.Related with Bank
2,163
b.Not related with bank
Current forward selling position
a.Related with Bank
b.Not related with bank
Others
32,176
Total commitment liabilities
242,896
TOTAL NET COMMITMENT
(241,499)
CONTINGENCIES
Contingencies claims
Guaranteed received (Kafalah)
Revenue will be received (non-current)
5,606
a.Related with Bank
b.Not related with bank
5,606
Others
610
Total Contingencies claims
6,216
Contingencies liabilities
Guaranteed (Kafalah) given
147,596
Others
1,727
Total Contingencies liabilites
149,323
TOTAL NET CONTINGENCIES
(143,107)

Financial Publication Report (Monthly)

PT BANK SYARIAH MANDIRI
GD. BANK SYARIAH MANDIRI, JL. MH.THAMRIN NO.5, JKT
Phone (021) 2300509
Earning Asset Quality
per December 2005
(in Million IDR)
Pos-pos

12-2005
DP K
Jumla
L
DM
K L
h

1. Interbank Placements
2. Bank Indonesia Placements
3. Securities
4. Loan to Third Parties
a. Smale Scale Business Credit (KUK)
b. Non Smale Scale Business Credit (Non KUK)
c. Property Loans
i. Restructured
ii.Unrestructed
d. Other Restructured Loan
i. Restructured
ii.Unrestructed
5. Financing
a. Smale Scale Business Credit (KUK)
b. Non Smale Scale Business Credit (Non KUK)
c. Property Loans
i. Restructured
ii.Unrestructed
d. Other Restructured Loan
i. Restructured
ii.Unrestructed
6. Loans to Third Parties
a. In Non-Bank Financial Institution
b. For Debt Restructuring Purposes (From Loan Restructuring)
7. Ijarah
8. Other Claims to Third Parties
9. Commitments and Contingencies to Third Parties
Total
10.Allowance for Earning Asset Possible Losses (PPAP) should b
e formed
11.Allowance for Earning Asset Possible Losses (PPAP) has been
formed
12.Percentage small business credit (KUK) to total financing
Financial Publication Report (Monthly)
Capital Adequacy Ratio
PT BANK SYARIAH MANDIRI
GD. BANK SYARIAH MANDIRI, JL. MH.THAMRIN NO.5, JKT

Phone (021) 2300509

per December 2005
(in Million IDR)
Pos-pos
I. Components
A. Core Capital
1. Paid Up Capital
2. Disclosed Reserves
a. Agio
b. Disagio -/c. Donated Capital
d. General and Appropriated Reserves
e. Previous Years Profit After Tax
f. Previous Years Losses -/g. Current Year Profit After Tax (50%)
h. Current Year Losses -/i. Translation Adjustment of Overseas Branch Offices Financial Statement
1) Positive Adjustment
2) Negative Adjustment -/j. Funds for Paid Up Capital
k. Loss in Value of Equity Participation in Portfolio Avalibale for Sale -/3. Goodwill -/B. Supplementary Capital (max. 100% of Core Capital)
1. Reserves of Fixed Asset Revaluation
2. Gen.Reserv.of Allow.for Earn.Asset Losses (max.1.25% of RiskWeightedAssets)
3. Loan Capital
4. Subordinated Loan (max. 50% of Core Capital)
5. Gain in Value of Equity Participation in Portfolio Available for Sale (45%)
II. Total Core Capital and Supplementary Capital (A + B)
III. Equity Participation -/IV. Total Capital (II - III)
V. Risk-Weighted Asset
VI. Established Capital Adequacy Ratio (IV : V)
VII. Required Capital Adequacy Ratio
Sumber data : Berdasarkan Laporan Bulanan Bank Umum (LBU) yang
disampaikan Bank kepada Bank Indonesia
Keterangan : 1. Format Laporan ini sesuai dengan format dalam Surat Edaran
Bank Indonesia No.7/56/DPbS tanggal 9 Desember 2005 Kepada
Semua Bank Umum yang melaksanakan kegiatan usaha
berdasarkan prinsip syariah dan unit usaha syariah di Indonesia
perihal Laporan Tahunan, Laporan Keuangan Publikasi
Triwulanan dan Bulanan serta Laporan Tertentu dari Bank yang
Disampaikan kepada Bank Indonesia.
2. Bank Indonesia tidak bertanggung jawab terhadap kebenaran isi
laporan. Kebenaran isi laporan tersebut sepenuhnya merupakan
tanggungjawab bank.
3. Apabila ada pertanyaan mengenai isi laporan dapat menghubungi
alamat/nomor telepon Bank yang bersangkutan sebagaimana

122005

tercantum di atas.

Jl. MH. Thamrin 2 Jakarta 10350 Indonesia

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