13. risk management table - mizuhobank.co.id · 78 pt bank mizuho indonesia, 2010 annual report 78...

75PT Bank Mizuho Indonesia, 2010 Annual Report

71PT Bank Mizuho Indonesia, 2012 Annual Report 75PT Bank Mizuho Indonesia, 2013 Annual Report

TABEL MANAJEMEN RISIKO | Risk Management Table

Tabel Manajemen RisikoRisk Management Table

I KOMPONEN MODAL / CAPITAL COMPONENT

A . Modal Inti / Core Capital (Tier-1)

1. Modal disetor / Paid-in Capital

2. Cadangan Tambahan Modal / Additional Reserve Capital

3. Modal Inovatif / Innovative Capital Instruments

4. Faktor Pengurang Modal Inti / Tier-1 Capital Deduction Factor

5. Kepentingan Non Pengendali / Non-controlling Interest

B . Modal Pelengkap / Supplementary Capital (Tier-2)

1. Level Atas / Upper Tier-2

2. Level Bawah maksimum 50% Modal Inti / Lower Tier-2 (maximum 50% of Tier-1 Capital)

3. Faktor Pengurang Modal Pelengkap / Tier-2 Capital Deduction Factor

C. Faktor Pengurang Modal Inti dan Modal Pelengkap / Tier-1 and Tier-2 Capital Deduction Factor

Eksposur Sekuritisasi / Securitization Exposures

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 For Market Risk Anticipation

II TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) /

TOTAL OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B-C)

III TOTAL MODAL INTI, MODAL PELENGKAP, DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN

UNTUK MENGANTISIPASI RISIKO PASAR (A+B-C+E) / TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL,

AND ADDITIONAL SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+B-C+E)

IV ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT /

RISK WEIGHTED ASSET FOR CREDIT RISK

V ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL /

RISK WEIGHTED ASSET FOR OPERATIONAL RISK

VI ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR /

RISK WEIGHTED ASSET FOR MARKET RISK

A Metode Standar / Standardized Method

B Model Internal / Internal Model

VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO

KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III: (IV+V+VI)] /

RISK AND MARKET RISK [III: (IV+V+VI)]

3.278.485

1.323.574

1.954.911

-

-

-

228.920

228.920

-

-

-

-

-

-

3.507.405

3.507.405

19.178.233

1.234.935

72.929

72.929

-

17,12%

31 Desember 2012

December 31, 2012

Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual / Table 1 Disclosure of Capital Structure – Bank Only

5.582.185

3.269.574

2.312.611

-

-

-

364.896

364.896

-

-

-

-

-

-

5.947.081

5.947.081

29.485.660

1.324.525

67.805

67.805

-

19,26%

31 Desember 2013 December 31, 2013

Saldo awal CKPN / Beginning Balance - Allowance for Impairment Losses

Pembentukan (pemulihan) CKPN pada periode berjalan (Bersih) /

Additional (reversal) allowance for impairment losses during the year (Net)

2.a Pembentukan CKPN pada periode berjalan /

Additional allowance for impairment losses during the year

2.b Pemulihan CKPN pada periode berjalan / Reversal allowance for

impairment losses during the year

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada

peride berjalan / Allowance for impairment losses used for written off

receivables during the year

Pembentukan (pemulihan) lainnya pada periode berjalan /

Other additional (reversal) of allowance during the year

Saldo akhir CKPN / Ending Balance

175.662

(14.716)

121.110

(135.826)

-

6.907

167.853

(Jutaan Rupiah / Million Rupiah)

Tabel 2.1 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual Table 2.1 Movements of Allowance for Impairment Losses Disclosure - Bank Only

100.000

77.412

127.412

(50.000)

-

-

177.412

CKPN Individual /Allowance for

Impairment Losses - Individual

CKPN Kolektif /Allowance for

Impairment Losses - Collective

31 Desember 2012 / December 31, 2012

Keterangan /

Description

167.853

104.297

183.110

(78.813)

-

45.327

317.477

177.412

328

133.728

(133.400)

-

33.599

211.339

CKPN Individual /Allowance for

Impairment Losses - Individual

CKPN Kolektif /Allowance for

Impairment Losses - Collective




76 PT Bank Mizuho Indonesia, 2013 Annual Report

Tagihan Kepada Pemerintah /

Receivables on Sovereigns

Tagihan Kepada Entitas Sektor

Publik /

Receivables on Public Sector

Entities

Tagihan Kepada Bank

Pembangunan Multilateral

dan Lembaga Internasional /

Receivables on Multilateral

Development Banks and

International Institutions

Tagihan Kepada Bank /

Receivables on Banks

Kredit Beragun Rumah Tinggal /

Loans Secured by Residential

Property

Kredit Beragun Properti

Komersial /

Loans Secured by Commercial

Real Estate

Kredit Pegawai/Pensiunan /

Employee/Retired Loans

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan Portofolio Ritel

/ Receivables on Micro, Small

Business and Retail Portfolio

Tagihan Kepada Korporasi /

Receivables on Corporate

Tagihan Yang Telah Jatuh Tempo

/ Past Due Receivables

Aset Lainnya /

Other Assets

Eksposur di Unit Syariah /

Exposures at Sharia

Based Business Activity Unit

Jumlah / Total

-

-

-

-

-

-

-

3

140.761

-

-

-

140.764

-

-

-

-

-

-

-

-

730.023

-

-

-

730.023

-

-

-

-

-

-

-

-

1.967.806

-

-

-

1.967.806

-

916.478

-

-

-

-

-

5

7.302

-

-

-

923.785

-

-

-

597.262

-

-

-

-

948.951

-

-

-

1.546.213

5.265.316

3.072.191

-

4.783.833

-

-

-

42.142

30.252.989

-

60.864

-

43.477.335

Area 3 Area 4 Area 5 Area 6 Area 7 Total

Tabel 2.2 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara IndividualTable 2.2 Disclosure of Net Receivables by Area - Bank Only

31 Desember 2013 / December 31 2013

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Area 2Area 1

Kategori Portofolio /

Portfolio Category

5.265.316

1.810.280

-

4.186.571

-

-

-

16.620

14.347.633

-

60.864

-

25.687.284

-

345.433

-

-

-

-

-

25.514

12.110.513

-

-

-

12.481.460

Area 1 : Jakarta

Area 2 : Jawa Barat - West Java

Area 3 : Jawa Tengah - Central Java

Area 4 : Jawa Timur - East Java

Area 5 : Sumatera & Kalimantan

Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua)

Area 7 : Di luar Indonesia - Overseas




-

-

-

-

-

-

-

-

119.810

-

-

-

119.810

-

-

-

-

-

-

-

-

531.615

-

-

-

531.615

-

-

-

-

-

-

-

10

1.163.593

-

-

-

1.163.603

-

-

-

-

-

-

-

12

4.821

-

-

-

4.833

-

-

-

582.672

-

-

-

-

1.014.724

-

-

-

1.597.396

2.954.643

2.102.691

-

3.017.464

-

-

-

36.447

20.877.703

-

57.125

-

29.046.073

(Jutaan Rupiah / Millions Rupiah)


31 Desember 2012 / December 31 2012

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Area 2Area 1

2.954.643

1.792.603

-

2.434.792

-

-

-

14.413

11.652.555

-

57.125

-

18.906.131

-

310.088

-

-

-

-

-

22.012

6.390.585

-

-

-

6.722.685





Tagihan Kepada Entitas Sektor Publik /

Receivables on Public Sector Entities

Tagihan Kepada Bank Pembangunan Multilateral dan

Lembaga Internasional /

Receivables on Multilateral Development Banks and

International Institutions




Loans Secured by Residential Property

Kredit Beragun Properti Komersial /

Loans Secured by Commercial Real Estate

Kredit Pegawai/Pensiunan /

Employee/Retired Loans

Tagihan Kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel /

Receivables on Micro, Small Business & Retail Portfolio

Tagihan Kepada Korporasi /


Tagihan Yang Telah Jatuh Tempo /

Past Due Receivables

Aset Lainnya /

Other Assets


Exposures at Sharia Based Business Activity Unit

Jumlah / Total

2.231.446

895.301

-

3.346.558

-

-

-

390

21.276.141

-

-

-

27.749.836

-

91.567

-

1.209.127

-

-

-

1.936

4.185.167

-

-

-

5.487.797

-

1.739.890

-

87.381

-

-

-

4.026

2.829.796

-

-

-

4.661.093

187.330

345.433

-

4.558

-

-

-

35.790

1.961.885

-

-

-

2.534.996

2.846.540

-

-

136.209

-

-

-

-

-

-

60.864

-

3.043.613

5.265.316

3.072.191

-

4.783.833

-

-

-

42.142

30.252.989

-

60.864

-

43.477.335

>1 tahun - 3 tahun>1 year – 3 year

>3 tahun – 5 tahun

>3 year – 5 year

> 5 tahun> 5 year

Non-KontraktualNon-Contractual

Total

Tabel 2.3 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTable 2.3 Disclosure of Net Receivables by Contractual Maturity – Bank Only


Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual MaturityKategori Portofolio /

Portfolio Category




966.938

958.423

-

1.589.526

-

-

-

322

15.359.665

-

-

-

18.874.874

-

-

-

871.631

-

-

-

2.278

2.741.308

-

-

-

3.615.217

-

834.180

-

25.470

-

-

-

2.367

1.009.678

-

-

-

1.871.695

192.775

310.088

-

14.241

-

-

-

31.480

1,767.052

-

-

-

2.315.636

1.794.930

-

-

516.596

-

-

-

-

-

-

57.125

-

2.368.651

2.954.643

2.102.691

-

3.017.464

-

-

-

36.447

20.877.703

-

57.125

-

29.046.073


>1 tahun - 3 tahun>1 year – 3 year

>3 tahun – 5 tahun

>3 year – 5 year

> 5 tahun> 5 year

Non-KontraktualNon-Contractual

Total


Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity



-

-------

-

4.650.932-

614.384

--

-

-

-

---

5.265.316 -

-------

-

2.760.269-

194.374

--

-

-

-

---

2.954.643

-

-2.726.758

-345.433

---

-

--

-

--

-

-

-

---

3.072.191 -

-1.792.603

-310.088

---

-

--

-

--

-

-

-

---

2.102.691

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

4.783.833-

-

--

-

-

-

---

4.783.833 -

-------

-

3.017.464-

-

--

-

-

-

---

3.017.464

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----



TagihanKepada Entitas Sektor Publik /

Receivables on Public

Sector Entities

Tagihan Kepada Bank Pembangunan

Multilateral dan Lembaga Internasional /

Receivables on Multilateral

Development Banks and International

Institutions



Kredit Beragun Rumah Tinggal /Loans Secured by

Residential Property

Tabel 2.4 Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.4 Disclosure of Net Receivables by Economic Sectors - Bank Only

Sektor Ekonomi /

Economic Sectors


31 Desember 2013 / December 31, 2013Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian / Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale & Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total31 Desember 2012 / December 31, 2012Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian /Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale &Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total




-

-------

-

--

-

--

-

-

-

-41.163

97942.142

-

-------

-

--

-

--

-

-

-

-35.248

1.19936.447

1.093.426

-256.379

16.869.372-

533.6152.542.984

-

716.877

6.735.4681.504.868

-

--

-

-

-

---

30.252.989

693.460

1482.787

10.113.490-

418.9252.539.035

-

808.779

5.095.5531.125.660

-

--

-

-

-

---

20.877.703

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

--

60.86460.864

-

-------

-

--

-

--

-

-

-

--

57.12557.125

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----


Tagihan Kepada Usaha Mikro, Usaha

Kecil danPortofolio Ritel /

Receivables on Micro, Small Business &

Retail Portfolio

Tagihan KepadaKorporasi /


Tagihan Yang Telah Jatuh Tempo /

Past Due Receivables

Aset Lainnya /

Other Assets


Exposures at Sharia Based Business Activity

Unit

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----



Kredit Pegawai/ Pensiunan /

Employee /Retired Loans




Tagihan /

Receivables

Tagihan yang mengalami

penurunan nilai /

Impaired Receivables

a. Belum Jatuh Tempo /

Non Past Due

b. Telah jatuh tempo /

Past Due

Cadangan kerugian penurunan

nilai (CKPN) – Individual /

Allowance for Impairment

Losses - Individual

Cadangan kerugian penurunan

nilai (CKPN) – Kolektif /

Allowance for Impairment

Losses - Collective

Tagihan yang dihapus buku /

Written-Off Receivables

132.323

266.729

-

211.339

457

-

705.438

-

-

-

14.219

-

1.809.532

-

-

-

75.561

-

923.785

-

-

-

2.009

-

522.235

-

-

-

1.020

-

40.882.787

266.729

-

211.339

317.477

-


Tabel 2.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah - Bank secara Individual Table 2.5 Disclosure of Receivables and Provisioning based on Area - Bank Only


Tagihan Berdasarkan Wilayah / Receivables by Area

Area 2Area 1

Keterangan /

Description

24.800.856

-

-

-

125.022

-

11.988.618

-

-

-

99.189

-

Area 1 : Jakarta

Area 2 : Jawa Barat - West Java

Area 3 : Jawa Tengah - Central Java

Area 4 : Jawa Timur - East Java

Area 5 : Sumatera & Kalimantan

Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua)

Area 7 : Di luar Indonesia - Overseas




113.262

227.412

-

177.412

222

-

519.590

-

-

-

15.850

-

1.041.708

-

-

-

22.716

-

4.832

-

-

-

42

-

523.382

-

-

-

551

-

26.820.029

227.412

-

177.412

167.853

-




Tagihan Berdasarkan Wilayah / Receivables by Area

Area 2Area 1

18.341.910

-

-

-

89.460

-

6.275.345

-

-

-

39.012

-



Pertanian, Perburuan dan Kehutanan /Agriculture, Hunting

and Forestry

Perikanan / Fishery

Pertambangan dan Penggalian / Mining and Quarrying

Industri Pengolahan / Manufacturing

Listrik, Gas dan Air / Electricity, Gas and Water

Konstruksi / Construction

Perdagangan Besar & Eceran /Wholesale & Retail Trading

Penyediaan Akomodasi dan Penyedian Makan Minum /

Hotel and Food & Beverage

Transportasi, Pergudangan dan Komunikasi /

Transportation, Warehousing and Communications

Perantara Keuangan / Financial Intermediary

Real Estate, Usaha Persewaan dan Jasa Perusahaan /

Real Estate, Rental and Business Services

Administrasi Pemerintah, Pertahanan & Jaminan Sosial

Wajib / Public Administration, Defense & Compulsory Social

Security

Jasa Pendidikan / Education Services

Jasa Kesehatan dan Kegiatan Sosial /Health Services and

Social Activity

Jasa Kemasyarakatan, Sosial Budaya, Hiburan & Perorangan

Lainnya /Public, Socio-Culture, Entertainment and Other

Personal Services

Jasa Perorangan yang Melayani Rumah Tangga / Personal

Services Serving Households

Badan Internasional & Badan Ekstra Internasional Lainnya /

International Institution & Other Extra International Agencies

Kegiatan yang Belum Jelas Batasannya /

Bukan Lapangan Usaha / Non Business Field

Lainnya / Others

Jumlah / Total

1.093.426

-

2.977.752

15.366.890

345.433

290.642

2.333.414

-

832.416

15.475.285

1.450.139

614.384

-

-

-

-

-

-

41.163

61.843

40.882.787

-

-

-

-

-

-

-

-

266.729

-

-

-

-

-

-

-

-

-

-

-

266.729

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

211.339

-

-

-

-

-

-

-

-

-

-

-

211.339

7.447

-

6.534

267.093

750

1.957

7.978

-

3.038

11.074

11.199

407

-

-

-

-

-

-

-

-

317.477

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tagihan /Receivables

Belum Jatuh Tempo /

Non Past Due

Telah Jatuh Tempo /Past Due

Cadangan kerugian

Penurunan nilai (CKPN)-

Individual /Allowance for Impairment

Losses - Individual

Cadangan kerugian


Kolektiif /Allowance for Impairment

Losses - Collective

Tagihan yangyang dihapus

buku /Written-Off

Receivables

Tabel 2.6 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.6 Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only

Sektor Ekonomi /

Economic Sectors

Tagihan yang mengalamipenurunan nilai /

Impaired Receivable





687.222

-

1.866.211

8.849.891

310.088

197.242

2.241.360

-

914.392

10.404.867

1.060.810

194.374

-

-

-

-

-

-

35.248

58.324

26.820.029

-

-

-

-

-

-

-

-

227.412

-

-

-

-

-

-

-

-

-

-

-

227.412

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

177.412

-

-

-

-

-

-

-

-

-

-

-

177.412

2.970

-

2.326

140.926

379

615

7.082

-

927

8.700

3.692

236

-

-

-

-

-

-

-

-

167.853

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-


Tagihan /Receivables

Belum Jatuh Tempo /

Non Past Due

Telah Jatuh Tempo /Past Due

Cadangan kerugian


Individual /Allowance for Impairment

Losses - Individual

Cadangan kerugian


Kolektiif /Allowance for Impairment

Losses - Collective

Tagihan yangyang dihapus

buku /Written-Off

Receivables

Tagihan yang mengalamipenurunan nilai /

Impaired Receivable





Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL

Standard and

Poor’s

Fitch Rating

Moody’s

PT. Fitch

Ratings

Indonesia

PT. ICRA

Indonesia

PT. PEFINDO

AAA

AAA

Aaa

AAA (idn)

[Idr]AAA

idAAA

AA+ to AA-

AA+ to AA-

Aa1 to Aa3

AA+(idn) to AA-

(idn)

[Idr]AA+ to [Idr]

AA-

idAA+ to idAA-

Lembaga Peringkat /Rating Company

Peringkat Jangka Panjang / Long Term Rating

Tabel 3.1 Pengungkapan Tagihan Bersih berdasarkan Kategori Porfolio dan Skala Peringkat - Bank secara IndividualTable 3.1 Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only


Portfolio Category

Tagihan Bersih / Net Receivables

-

-

-

1.041.689-

-

--

1.651.319---

2.693.008

-

-

-

5.924-

-

--

262.633---

268.557

-

-

-

23.052-

-

--

----

23.052

-

-

-

70.441-

-

--

2.663.039---

2.733.480

A+ to A-

A+ to A-

A1 to A3

A+(idn) to A-

(idn)

[Idr]A+ to

[Idr]A-

idA to idA-

BBB+ to BBB-

BBB+ to BBB-

Baa1 to Baa3

BBB+(idn) to

BBB-(idn)

[Idr]BBB+ to

[Idr]BBB-

idBBB+ to

idBBB-


Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL

-

-

-

850.382-

-

--

1.160.305---

2.010.687

-

-

-

1.171-

-

--

457.463---

458.634

-

-

-

1.291-

-

--

----

1.291

-

-

-

36.248-

-

--

2.113.052---

2.149.300





-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

2.288.805-

-

-42.142

24.465.064-

60.864-

26.856.875

5.265.316

3.072.191

-

4.783.833-

-

-42.142

30.252.989-

60.864-

43.477.335

Tanpa Peringkat

UnratedTotal

5.265.316

2.155.713

-

1.353.922-

-

--

1.155.544---

9.930.495

-

916.478

-

--

-

--

----

916.478

-

-

-

--

-

--

55.390---

55.390

-

-

-

--

-

--

----

-

A-2

F2

P-2

F2(idn)

[Idr]A2+ to

[Idr]A2

idA2

A-3.

F3

P-3

F3(idn)

[Idr]A3+ to

[Idr] A3

idA3 to

idA4

BB+ to BB-

BB+ to BB-

Ba1 to Ba3

BB+(idn) to

BB-(idn)

[Idr]BB+ to

[Idr]BB-

idBB to idBB-

B+ to B-

B+ to B-

B1 to B3

B+(idn) to

B-(idn)

[Idr]B+ to [Idr]B-

idB+ to B-

Kurang dari B-

Lower than B-

Kurang dari B-Lower than B-

Kurang dari B3Lower than B3

Kurang dari B-(idn)

Lower than B-(idn)

Kurang dari [Idr]B-

Lower than [Idr]B-

Kurang dari id B-

Lower than idB-

A-1

F1+ to F1

P-1

F1+(idn) to

F1(idn)

[Idr]A1+ to

[Idr]A1

idA1

Kurang dari A-3

Lower than A-3

Kurang dari F3Lower than F3

Kurang dari P-3Lower than P-3

Kurang dari F3(idn)

Lower than F3(idn)

Kurang dari [Idr]A3

Lower than [Idr]A3

Kurang dari id A4

Lower than id A4

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

1.298.420-

-

-36.447

16.183.092-

57.125-

17.575.084

2.954.643

2.102.691

-

3.017.464-

-

-36.447

20.877.703-

57.125-

29.046.073

2.954.643

2.102.691

-

829.952-

-

--

913.791---

6.801.077

-

-

-

--

-

--

----

-

-

-

-

--

-

--

50.000---

50.000

-

-

-

--

-

--

----

-

Peringkat Jangka Pendek / Short Term RatingPeringkat Jangka Panjang / Long Term Rating

Tagihan Bersih / Net Receivables



BANK SECARA INDIVIDUAL

Suku Bunga / Interest Rate

Nilai Tukar / Foreign Exchange

Lainnya / Others

TOTAL

101.281

-

-

101.281

16.596

381.889

-

398.485

13.405

368.242

-

381.647

158.529

550.339

-

708.868

2.794

307

-

3.101

155.735

550.032

-

705.767

2.257.378

2.329.482

-

4.586.860

866.178

4.032.913

-

4.899.091

> 5 Tahun /> 5 year

TagihanDerivatif /Derivative

Receivables

KewajibanDerivatif /Derivative Liabilities

Tagihan Bersih

sebelumMRK /

Net Receivables before CRM

MRK /CRM

Tagihan BersihsetelahMRK /

Net Receivables after CRM

Tabel 3.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi DerivatifTable 3.2 Disclosure of Counterparty Credit Risk : Derivative Transaction

Variabel yang Mendasari /

Underlying Variables< 1 Tahun / > 1 Tahun -

< 5 Tahun /

Notional Amount





BANK SECARA INDIVIDUAL

Suku Bunga / Interest Rate

Nilai Tukar / Foreign Exchange

Lainnya / Others

TOTAL

315.834

-

-

315.834

21.366

175.651

-

197.017

14.478

164.865

-

179.343

133.430

356.417

-

489.847

1.613

3.758

-

5.371

131.817

352.659

-

484.476


> 5 Tahun /> 5 year

TagihanDerivatif /Derivative

Receivables

KewajibanDerivatif /Derivative Liabilities

Tagihan Bersih

sebelumMRK /

Net Receivables before CRM

MRK /CRM

Tagihan BersihsetelahMRK /

Net Receivables after CRM

Variabel yang Mendasari /

Underlying Variables

1.510.557

2.201.499

-

3.712.056

55.782

5.968.488

-

6.024.270

< 1 Tahun / > 1 Tahun - < 5 Tahun /

Notional Amount




Eksposur Neraca / Balance Sheet Exposures

Tagihan Kepada Pemerintah / Receivables on Sovereigns



Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional /

Receivables on Multilateral Development Banks and International

Institutions

Tagihan Kepada Bank / Receivables on Banks





Kredit Pegawai/Pensiunan / Employee/Retired Loans

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /


Tagihan Kepada Korporasi / Receivables on Corporate

Tagihan Yang Telah Jatuh Tempo / Past Due Receivables

Aset Lainnya / Other Assets



Total Eksposur Neraca / Total Exposures - Balance Sheet

Eksposur Kewajban Komitmen/Kontinjensi pada Transaksi

Rekening Administratif /

Off Balance Sheet Commitment/Contigency Receivables

Exposures





Internasional / Receivables on Multilateral Development Banks

and International Institutions













Total Eksposur TRA / Total Exposures - Off Balance Sheets

Eksposur akibat Kegagalan Pihak Lawan /

Counterparty Credit Risk





Internasional / Receivables on Multilateral Development Banks

and International Institutions







Total Eksposur Counterparty Credit Risk /

Total Exposures - Counterparty Credit Risk

5.265.316

-

-

-

-

-

-

-

87.928

-

4.940

-

5.358.184

-

-

-

-

-

-

-

-

2.296

-

-

2.296

-

-

-

-

-

3.101

-

3.101

-

-

-

2.539.898

-

-

-

-

2.575.974

-

-

-

5.115.872

-

-

-

-

-

-

-

-

36.682

-

-

36.682

-

-

-

83.123

-

50.382

-

133.505

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0% 20% 35% 40% 45%

Tabel 4.1 Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko Setelah Memperhitungankan Dampak Mitigasi Risiko Kredit - Bank secara Individual Table 4.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only


Portfolio Category

-

1.354.673

-

975.645

-

-

-

-

20.352.711

-

55.924

-

22.738.953

-

-

-

-

-

-

-

-

1.053.960

-

-

1.053.960

-

-

-

-

-

104.437

-

104.437

-

-

-

-

-

-

-

-

55.390

-

-

-

55.390

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100% 150%Lainnya /

Others

-

1.717.518

-

732.768

-

-

-

-

4.910.621

-

-

-

7.360.907

-

-

-

-

-

-

-

-

1.004.081

-

-

1.004.081

-

-

-

452.399

-

15.426

-

467.825

-

-

-

-

-

-

-

42.142

-

-

-

-

42.142

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

50% 75%

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit /Net Receivables after Calculation of Credit Risk Mitigation Impact

31 Desember 2013 /December 31, 2013




-

2.213.432

-

1.850.009

-

-

-

31.607

23.406.301

-

55.924

-

27.557.273

-

-

-

-

-

-

-

-

1.563.337

-

-

1.563.337

-

-

-

242.824

-

122.226

-

365.050

-

177.075

-

148.001

-

-

-

2.529

1.872.504

-

4.474

-

2.204.582

-

-

-

-

-

-

-

-

125.067

-

-

125.067

-

-

-

19.426

-

9.778

-

29.204


ATMR /RWA

Beban Modal /Capital Charge

2.952.715

-

-

-

-

-

-

-

15.950

-

4.156

2.972.821

-

-

-

-

-

-

-

-

2.367

-

-

2.367

1.928

-

-

-

-

5.372

-

7.300

-

-

-

1.302.996

-

-

-

-

2.007.073

-

-

-

3.310.069

-

-

-

-

-

-

-

-

25.243

-

-

25.243

-

-

-

45.409

-

80.736

-

126.145

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0% 20% 35% 40% 45%

-

900.444

-

483.576

-

-

-

-

11.864.146

-

52.969

-

13.301.135

-

-

-

-

-

-

-

-

825.450

-

-

825.450

-

-

-

289

-

124.657

-

124.946

-

-

-

-

-

-

-

-

50.000

-

-

-

50.000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.501.568

-

1.224.995

-

-

-

27.335

14.744.690

-

52.969

-

17.551.557

-

-

-

-

-

-

-

-

1.360.773

-

-

1.360.773

-

-

-

121.148

-

144.756

-

265.904

-

120.125

-

98.000

-

-

-

2.187

1.179.575

-

4.238

-

1.404.125

-

-

-

-

-

-

-

-

108.862

-

-

108.862

-

-

-

9.692

-

11.580

-

21.272

100% 150%Lainnya /

Others

ATMR /RWA


-

1.202.247

-

961.640

-

-

-

-

4.808.258

-

-

-

6.972.145

-

-

-

-

-

-

-

-

1.060.548

-

-

1.060.548

-

-

-

223.554

-

7.903

-

231.457

-

-

-

-

-

-

-

36.447

-

-

-

-

36.447

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

50% 75%

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit /Net Receivables after Calculation of Credit Risk Mitigation Impact

31 Desember 2012 /December 31, 2012



Eksposur Neraca / Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai / Pensiunan / Employee / Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Syariah / Exposures at Sharia Based Business Activity UnitTotal Eksposur Neraca / Total Exposures - Balance sheetEksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur TRA /Total Exposures - Off Balance Sheets

Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit RiskTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur Counterparty Credir Risk / Total Exposures - Counterparty Credit Risk

Total (A+B+C)

5.265.3163.072.191

-

4.248.311-

-

-42.142

27.982.624-

60.864-

40.671.448

--

-

--

-

--

2.097.019--

2.097.019

--

-

535.522-

173.346-

708.868

43.477.335

-1.717.518

-

365.100-

-

--

2.167.477--

-4.250.095

--

-

--

-

--

610.490--

610.490

--

-

--

--

-

4.860.585

--

-

--

-

--

2.092.762---

2.092.762

--

-

--

-

--

390.502--

390.502

--

-

--

3.101-

3.101

2.486.365

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

5.265.3161.354.673

-

3.883.211-

-

-42.142

23.722.385-

60.864-

34.328.591

--

-

--

-

--

1.096.027--

1.096.027

--

-

535.522-

170.245-

705.767

36.130.385

Tagihan Bersih /Net Receivables

Agunan /Collateral

Garansi /Guarantee

AsuransiKredit /Credit

Insurance

Lainnya /Others

Bagian YangTidak Dijamin /

Unsecured Portion

Tabel 4.2 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only


Portfolio Category

Bagian yang Dijamin Dengan /Portion Secured by





2.952.7152.102.691

-

2.748.212-

-

-36.447

18.745.427-

57.125-

26.642.617

--

-

--

-

--

1.913.608--

1.913.608

1.928-

-

269.252-

218.668-

489.848

29.046.073

-1.202.247

-

289.125-

-

--

2.975.549---

4.466.921

--

-

--

-

--

804.177--

804.177

--

-

--

--

-

5.271.098

--

-

--

-

--

1.675.592---

1.675.592

--

-

--

-

--

249.450--

249.450

--

-

--

10.744-

10.744

1.935.786

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

2.952.715900.444

-

2.459.087-

-

-36.447

14.094.286-

57.125-

20.500.104

--

-

--

-

--

859.981--

859.981

1.928-

-

269.252-

207.924-

479.104

21.839.189


Tagihan Bersih /Net Receivables

Agunan /Collateral

Garansi /Guarantee

AsuransiKredit /Credit

Insurance

Lainnya /Others

Bagian YangTidak Dijamin /

Unsecured Portion

Bagian yang Dijamin Dengan /Portion Secured by





Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional /

Receivables on Multilateral Development Banks and International Institutions


Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property

Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate



Receivables on Micro, Small Business and Retail Portfolio



Aset Lainnya / Other Assets

TOTAL

-

1.501.568

-

1.224.995

-

-

-

27.335

14.744.689

-

52.969

17.551.556

(Jutaan rupiah / Million Rupiah)

Tabel 5.1 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Aset di Neraca Table 5.1. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method

-

2.102.691

-

1.369.558

-

-

-

27.335

16.863.138

-

52.969

20.415.691

ATMR Sebelum

MRK / RWA before CRM

ATMR SetelahMRK /RWA after CRM

31 Desember 2012 / December 31, 2012Kategori Portofolio /

Portfolio Category

2.952.715

2.102.691

-

2.748.212

-

-

-

36.447

18.745.427

-

57.125

26.642.617

TagihanBersih /Net Receivables

-

2.213.432

-

1.850.009

-

-

-

31.607

23.406.301

-

55.924

27.557.273

-

3.072.191

-

2.032.559

-

-

-

31.607

25.368.175

-

-

30.504.532

ATMR Sebelum

MRK / RWA before CRM


5.265.316

3.072.191

-

4.248.311

-

-

-

42.142

27.982.624

-

60.864

40.671.448

TagihanBersih /Net Receivables





Tagihan Kepada Pemerintah / Receivables on

Sovereigns

Tagihan Kepada Entitas Sektor Publik /Receivables on

Public Sector Entities

Tagihan Kepada Bank Pembangunan Multilateral dan

Lembaga Internasional /Receivables on Multilateral

Development Banks and International Institutions


Kredit Beragun Rumah Tinggal / Loans Secured by

Residential Property

Kredit Beragun Properti Komersial / Loans Secured by

Commercial Real Estate


Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio

Ritel / Receivables on Micro, Small Business & Retail

Portfolio



TOTAL

-

-

-

-

-

-

-

-

1.360.773

-

1.360.773


Tabel 5.2 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening AdministratifTable 5.2. Calculation of RWA for Credit Risk under Standardized Approach: Off Balance Sheet Commitment/Contingency Exposures

-

-

-

-

-

-

-

-

1.618.844

-

1.618.844

ATMR SebelumMRK /

RWA before CRM

ATMR SetelahMRK /

RWA after CRM


Portfolio Category

-

-

-

-

-

-

-

-

1.913.608

-

1.913.608

TagihanBersih /

Net Receivables

-

-

-

-

-

-

-

-

1.563.337

-

1.563.337

-

-

-

-

-

-

-

-

1.831.092

-

1.831.092

ATMR SebelumMRK /

RWA before CRM

ATMR SetelahMRK /

RWA after CRM

-

-

-

-

-

-

-

-

2.097.019

-

2.097.019

TagihanBersih /

Net Receivables








Internasional /

Receivables on Multilateral Development Banks and International

Institutions





TOTAL

-

-

-

242.824

-

122.226

365.050


Tabel 5.3 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Table 5.3. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method: Counterparty Credit Risk Exposure

-

-

-

242.824

-

125.327

368.151

ATMR Sebelum MRK /RWA before

CRM



Portfolio Category

-

-

-

535.522

-

173.346

708.868

TagihanBersih /

Net Receivables



---

Tagihan Kepada Bank / Receivables on Banks 242.824242.824535.522

TOTAL ATMR RISIKO KREDIT /TOTAL RWA FOR CREDIT RISKTOTAL FAKTOR PENGURANG MODAL /TOTAL CAPITAL DEDUCTION FACTOR

19.178.233-


Tabel 5.4 Pengungkapan Total Pengukuran Risiko Kredit - Bank secara IndividualTable 5.4. Disclosure of Total Credit Risk Measurement - Bank Only

29.485.660-


-

-

-

121.148

-

144.756

265.904

-

-

-

121.148

-

150.128

271.276

ATMR Sebelum MRK / RWA before

CRM


1.928

-

-

269.252

-

218.668

489.848

TagihanBersih /

Net Receivables







Pendekatan Indikator Dasar / Basic Indicator Approach

Total


Pendekatan Indikator Dasar / Basic Indicator Approach

Total

1.324.525

1.324.525

1.234.935

1.234.935

Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual

105.962

105.962

98.795

98.795


ATMR /RWA

(jutaan rupiah / million Rupiah) Pendekatan Yang Digunakan /

Indicator ApproachPendapatan Bruto (Rata-rata 3 tahun terakhir) / Average Gross

Income in the past 3 years

Risiko Suku Bunga / Interest Rate Risk

b. Risiko Umum / General Risk

Risiko Nilai Tukar / Foreign Exchange Risk

Risiko Ekuitas / Equity Risk

Risiko Komoditas / Commodity Risk

Risiko Option / Option Risk

Total

-

45.758

27.171

-

-

-

72.929


Tabel 6 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara IndividualTable 6 Disclosure of Market Risk Using Standardized Method - Bank Only

ATMR / RWA

31 Desember 2012 / December 31, 2012Jenis Risiko /

Type of Risk

-

3.661

2.174

-

-

-

5.835


Bank

-

36.525

31.275

-

-

67.800

ATMR / RWA

-

2.922

2.502

-

-

-

5.424



706.415

706.415

658.632

658.632



Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia /

Placement with Bank Indonesia

3. Penempatan pada bank lain /

Placement with other Bank

4. Surat Berharga / Marketable Securities

5. Kredit yang diberikan / Loans

6. Tagihan Lainnya / Other Receivables

7. Lain-lain / Others

Total Aset / Total Assets

B. Liabilitas / Liabilities

1. Dana Pihak Ketiga / Deposits from Customer

2. Liabilitas kepada Bank Indonesia /

Liabilities with Bank Indonesia

3. Liabilitas kepada bank lain /

Liabilities with other bank

4. Surat Berharga yang Diterbitkan /

Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities


Total Liabilitas / Total Liabilities

Selisih Aset dengan Liabilitas dalam Neraca /

On Balance Sheet Asset and Liabilities Differences

Rekening Administratif / Off Balance Sheet

A. Tagihan Rekening Administratif /

Off Balance Sheet Receivables

1. Komitmen / Commitment

2. Kontinjensi / Contingency

Total Tagihan Rekening Administratif /

Total Off Balance Sheet Receivables

A. Liabilitas Rekening Administratif /

Off Balance Sheet Liabilities



Total Liabilitas Rekening Administratif /

Total Off Balance Sheet Liabilities

Selisih Tagihan dan Liabilitas Rekening Administratif /

Off Balance Sheet Assets and Liabilities Differences

Selisih [(IA-IB) + (IIA-IIB)] / Differences

Selisih Kumulatif / Cummulative Differences

2.216

2.384.452

483.415

427.054

9.095.880

745.928

107.466

13.246.411

5.828.469

-

5.133

-

2.374

714.680

157.667

6.708.323

6.538.088

3.179.106

11.503

3.190.609

3.665.455

3.665.455

(474.846)

6.063.242

6.063.242

2.216

2.185.804

483.415

78.565

4.745.867

491.437

107.466

8.094.770

5.746.994

-

5.133

-

-

462.812

157.667

6.372.606

1.722.164

476.341

476.341

358.590

358.590

117.751

1.839.915

1.839.915

-

198.648

1.105.931

13.115

1.317.694

77.475

17

10.721

88.213

1.229.481

281.542

281.542

377.429

377.429

(95.887)

1.133.594

2.973.509

-

12.044

350.775

241.376

604.195

4.000

-

241.147

245.147

359.048

151.537

151.537

155.516

155.516

(3.979)

355.069

3.328.578

-

336.445

893.133

1.229.578

374

-

374

1.229.204

415.292

415.292

532.485

532.485

(117.193)

1.112.011

4.440.589

-

2.000.174

2.000.174

1.983

-

1.983

1.998.191

1.854.394

11.503

1.865.897

2.241.435

2.241.435

(375.538)

1.622.653

6.063.242

Saldo /Balance

< 1 bulan /< 1 month

>1 bln - 3 bln />1 month- 3 months

>3 bln - 6 bln />3 months - 6 months


>12 bulan /> 12 months

Pos-pos /

Account

31 Desember 2013/ December 31, 2013

I

II

No




1.470

1.361.578

149.240

1.828

6.899.030

273.015

62.053

8.748.214

3.869.802

1.463

4.496

-

-

256.494

157.460

4.289.715

4.458.499

3.862.053

20.072

3.882.125

4.388.693

-

4.388.693

(506.568)

3.951.931

3.951.931

1.470

753.040

149.240

-

4.096.892

184.919

62.053

5.247.614

3.812.157

531

4.496

-

-

168.709

157.460

4.143.353

1.104.261

654.662

-

654.662

1.313.974

-

1.313.974

(659.312)

444.949

444.949

-

74.585

-

229

923.600

88.096

-

1.086.510

57.645

277

-

-

-

87.785

-

145.707

940.803

569.549

-

569.549

372.681

-

372.681

196.868

1.137.671

1.582.620

-

313.996

-

-

476.580

-

-

790.576

-

655

-

-

-

-

-

655

789.921

285.259

-

285.259

249.300

-

249.300

35.959

825.880

2.408.500

-

219.957

-

1.599

388.257

-

-

609.813

-

-

-

-

-

-

-

-

-

609.813

1.303.029

-

1.303.029

1.023.795

-

1.023.795

279.234

889.047

3.297.547

-

-

-

-

1.013.701

-

-

1.013.701

-

-

-

-

-

-

-

-

1.013.701

1.049.554

20.072

1.069.626

1.428.943

-

1.428.943

(359.317)

654.384

3.951.931

Saldo /Balance


>1 bln - 3 bln />1 month- 3 months








Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia /

Placement with Bank Indonesia

3. Penempatan pada bank lain /

Placement with other Bank

4. Surat Berharga / Marketable Securities

5. Kredit yang diberikan / Loans

6. Tagihan Lainnya / Other Receivables


Total Aset / Total Assets

B. Liabilitas / Liabilities

1. Dana Pihak Ketiga / Deposits from Customer

2. Liabilitas kepada Bank Indonesia /

Liabilities with Bank Indonesia

3. Liabilitas kepada bank lain /

Liabilities with other bank

4. Surat Berharga yang Diterbitkan /

Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities


Total Liabilitas / Total Liabilities

Selisih Aset dengan Liabilitas dalam Neraca /

On Balance Sheet Asset and Liabilities Differences

Rekening Administratif / Off Balance Sheet

A. Tagihan Rekening Administratif /

Off Balance Sheet Receivables



Total Tagihan Rekening Administratif /

Total Off Balance Sheet Receivables

A. Liabilitas Rekening Administratif /

Off Balance Sheet Liabilities



Total Liabilitas Rekening Administratif /

Total Off Balance Sheet Liabilities

Selisih Tagihan danLiabilitas Rekening Administratif /

Off Balance Sheet Assets and Liabilities Differences

Selisih [(IA-IB) + (IIA-IIB)] / Differences

Selisih Kumulatif / Cummulative Differences

224

186.235

18.912

179.412

1.783.709

127.355

4.638

2.300.485

589.552

-

139.326

-

1.475.667

62.535

28.532

2.295.612

4.873

542.785

1.060

543.845

713.355

-

713.355

(169.510)

(164.637)

(164.637)

224

186.235

18.912

144.294

562.074

42.031

4.638

958.408

568.192

-

139.326

-

95.000

22.055

28.532

853.105

105.303

104.267

-

104.267

133.102

-

133.102

(28.835)

76.468

76.468

-

-

-

12.496

221.238

65.806

-

299.540

8.384

-

-

-

-

31.674

-

40.058

259.482

36.997

-

36.997

137.205

-

137.205

(100.208)

159.274

235.742

-

-

-

22.622

67.111

19.518

-

109.251

12.476

-

-

-

225.000

8.806

-

246.282

(137.031)

15.968

-

15.968

21.555

-

21.555

(5.587)

(142.618)

93.124

-

-

-

-

206.007

-

-

206.007

500

-

-

-

596.156

-

-

596.656

(390.649)

70.315

-

70.315

79.147

-

79.147

(8.832)

(399.481)

(306.357)

-

-

-

-

727.279

-

-

727.279

-

-

-

-

559.511

-

-

559.511

167.768

315.238

1.060

316.298

342.346

-

342.346

(26.048)

141.720

(164.637)

Saldo /Balance


>1 bln s.d. 3 bln /

>1 month - 3 months

>3 bln s.d.6 bln /

>3 months - 6 months

>6 bln s.d.12 bln /



Pos-pos /

Account


I

II

No



2.689

1.396.763

512.356

1.317.438

13.782.074

1.178.628

45.177

18.235.125

5.366.644

-

1.264.659

-

11.426.133

614.273

31.168

18.702.877

(467.752)

6.401.280

-

6.401.280

7.651.297

-

7.651.297

(1.250.017)

(1.717.769)

(1.717.769)

2.689

1.396.763

512.356

727.690

6.637.664

400.072

43.693

9.720.927

5.285.640

-

1.264.659

-

289.125

246.420

31.168

7.117.012

2.603.915

1.759.714

-

1.759.714

1.376.543

-

1.376.543

383.171

2.987.086

2.987.086

-

-

-

351.065

1.527.043

520.435

1.484

2.400.027

36.507

-

-

-

481.875

267.874

-

786.256

1.613.771

747.003

-

747.003

1.495.335

-

1.495.335

(748.332)

865.439

3.852.525

-

-

-

234.847

437.485

258.121

-

930.453

15.584

-

-

-

2.625.216

99.979

-

2.740.779

(1.810.326)

248.937

-

248.937

343.712

-

343.712

(94.775)

(1.905.101)

1.947.424

-

-

-

3.836

1.048.507

-

-

1.052.343

28.913

-

-

-

7.114.354

-

-

7.143.267

(6.090.924)

1.163.025

-

1.163.025

1.664.367

-

1.664.367

(501.342)

(6.592.266)

(4.644.842)

-

-

-

-

4.131.375

-

-

4.131.375

-

-

-

-

915.563

-

-

915.563

3.215.812

2.482.601

-

2.482.601

2.771.340

-

2.771.340

(288.739)

2.927.073

(1.717.769)

Saldo /Balance


>1 bln s.d. 3 bln /

>1 month - 3 months

>3 bln s.d.6 bln /


>6 bln s.d.12 bln /






13. risk management table - mizuhobank.co.id · 78 pt bank mizuho indonesia, 2010 annual report 78...

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