pt bank anz indonesia - institutional.anz.com · tagihan kepada usaha mikro, ... tabel pengungkapan...

PT BANK ANZ INDONESIA

ANZ TOWER

Jl. Jend. Sudirman Kav. 33a

Jakarta 10220

www.anz.co.id

Informasi Kuantitatif Eksposur Risiko

Quantitative Information of Risk Exposures

Posisi 30 Juni 2017

As at 30 June 2017

Dalam Jutaan Rupiah/In Million Rp

Bank

I

A 6,311,421

1 1,650,000

2 5,144,440

3 -

4 483,019-

5 -

B 225,008

1 225,008

2 -

3 -

C

-

D -

E -

II 6,536,429

III

6,536,429

IV 20,969,331

V 6,955,317

VI

A 1,394,016

B -

VII

22.30%

Eksposur Sekuritisasi

Securitization Exposure

Modal disetor

Paid in CapitalCadangan Tambahan Modal

Additional Capital ReservesModal Inovatif

Innovative CapitalFaktor Pengurang Modal Inti

Factor Reducing Core CapitalKepentingan Non Pengendali

Non Controling Interest

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR

RISK WEIGHTED ASSETS (RWA) FOR MARKET RISK

RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO

PASAR [III : (IV + V + VI)]

CAPITAL ADEQUACY RATIO - CREDIT RISK, OPERATIONAL RISK AND MARKET RISK [III : (IV + V + VI)]

Metode Standar

Standard ApproachMetode Internal

Internal Approach

Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko Pasar

Additional Suplementary Capital which is Allocated To Anticipate Market Risk

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

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

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

MENGANTISIPASI RISIKO PASAR (A + B - C + E)

TOTAL CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONALLY SUPPLEMENTARY CAPITAL ALLOCATED

TO ANTICIPATE MARKET RISK (A + B - C + E)

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT

RISK WEIGHTED ASSETS (RWA) FOR CREDIT RISK

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL

RISK WEIGHTED ASSETS (RWA) FOR OPERTIONAL RISK

Tabel 1.a Pengungkapan Kuantitatif Struktur PermodalanTable 1.a Quantitative Disclosure of Capital Structure

KOMPONEN MODAL

CAPITAL COMPONENT

Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3)

Additional Suplementary Capital that Satisfies Requirement (Tier 3)

Modal Inti

Core Capital

Modal Pelengkap

Suplementary Capital

30 Juni 2017/

30 June 2017

Faktor Pengurang Modal Inti dan Modal Pelengkap

Factor Reducing Core Capital and Supplementary Capital

KOMPONEN MODAL

CAPITAL COMPONENT

Level Atas

Upper Tier 2Level Bawah (Lower Tier 2) maksimum 50% Modal Inti

Lower Tier 2 maximum 50% of Core CapitalFaktor Pengurang Modal Pelengkap

Factor Reducing Supplementary Capital


Wilayah 1

Zone 1

Wilayah 2

Zone 2

Wilayah 3

Zone 3

Wilayah 4

Zone 4

Wilayah 5

Zone 5

Jumlah

Total

1Tagihan Kepada Pemerintah

Claims on Sovereign6,184,178 - - - - 6,184,178

2Tagihan Kepada Entitas Sektor Publik

Claims on Public Sector1,358,113 - - 1,112 3,431 1,362,656

3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

Claims on Multilateral Development Bank and International Institution- - - - - -

4Tagihan Kepada Bank

Claims on Bank2,989,519 - - - - 2,989,519

5Kredit Beragun Rumah Tinggal

Claims Secured by Residential Property528,989 308,112 232,994 - - 1,070,095

6Kredit Beragun Properti Komersial

Claims Secured by Commercial Real Estate- - - - - -

7Kredit Pegawai/Pensiunan

Employee Loan/Pension- - - - - -

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Claims on Micro and Small Enterprise and retail Portfolio3,296,132 1,334,584 1,284,685 576,140 300,486 6,792,027

9Tagihan kepada Korporasi

Claims on Corporate10,343,494 2,030,664 340,334 45,237 58,619 12,818,348

10Tagihan yang Telah Jatuh Tempo

Past Due Claims244,015 52,319 64,478 26,546 13,683 401,041

11Aset Lainnya

Other Assets663,527 15,137 58,784 17,053 7,216 761,717

12Eksposur di Unit Usaha Syariah (apabila ada)

Exposures at Sharia Unit (if any)- - - - - -

Jumlah

Total25,607,967 3,740,816 1,981,275 666,088 383,435 32,379,581

Keterangan/Remark :

Wilayah 1/Zone 1 : DKI Jakarta

Wilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and Banten

Wilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/Central Java, East Java and Bali

Wilayah 4/Zone 4 : Sumatera

Wilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua

Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual

Table 2.1.a Net Amount Based On Geography - Bank Only

Tagihan bersih berdasarkan wilayah

Net Amount Based on GeographyNo.Kategori Portofolio

Portfolio Category

30 Juni 2017/30 June 2017


≤ 1 tahun

≤ 1 year

>1 thn s.d. 3 thn

>1 yr to

3 yrs

>3 thn s.d. 5 thn

>3 yrs to

5 yrs

> 5 thn

> 5 yrs

Non-Kontraktual

Non-Contractual

Jumlah

Total


Claims on Sovereign- 2,977,446 883,831 487,665 1,835,236 6,184,178


Claims on Public Sector154,087 1,205,138 3,431 - - 1,362,656


Claims on Multilateral Development Bank and International Institution- - - - - -


Claims on Bank- 594,156 16,589 19,681 2,359,093 2,989,519


Claims Secured by Residential Property- 9,708 54,697 1,005,690 - 1,070,095


Claims Secured by Commercial Real Estate- - - - - -


Employee Loan/Pension- - - - - -


Claims on Micro and Small Enterprise and Retail Portfolio9,399 1,290,990 2,211,124 493,574 2,786,940 6,792,027


Claims on Corporate631,646 7,359,576 3,492,715 1,334,411 - 12,818,348


Past Due Claims124,227 58,851 73,783 45,619 98,561 401,041

11Aset Lainnya

Other Assets- - - - 761,717 761,717


Exposures at Shariah Unit (if any)- - - - - -

Jumlah

Total919,359 13,495,865 6,736,170 3,386,640 7,841,547 32,379,581

Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual

Table 2.2.a Disclosure on Net Amount Based on Contractual Remaining Maturity - Bank Only

Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak

Net Amount Based on Contractual Remaining MaturityNo.Kategori Portofolio

Portfolio Category

30 Juni 2017/30 June 2017

Dalam Jutaan Rupiah/ In Million Rp

No.Sektor Ekonomi

Economic Sector

Tagihan Kepada

Pemerintah

Claims on

Sovereign

Tagihan Kepada

Entitas Sektor

Publik

Claims on

Public Sector

Tagihan Kepada Bank

Pembangunan

Multilateral dan

Lembaga Internasional

Claims on Multilateral

Development Bank and

International Institution

Tagihan Kepada

Bank

Claims on Bank

Kredit Beragun

Rumah Tinggal

Claims Secured

by Residential

Property

Kredit Beragun

Properti

Komersial

Claims Secured

by Commercial

Real Estate

Kredit

Pegawai/Pensiu

nan Employee

Loan/Pension

Tagihan Kepada

Usaha Mikro,

Usaha Kecil dan

Portofolio Ritel

Claims on Micro

and Small

Enterprise and

retail Portfolio

Tagihan kepada

Korporasi

Claims on

Corporate

Tagihan yang

Telah Jatuh

Tempo

Past Due Claims

Aset Lainnya

Other Assets

Eksposur di Unit Usaha Syariah

(apabila ada)

Exposures at Shariah Unit (if any)

30 Juni 2017/30 June 2017

1Pertanian, perburuan dan Kehutanan

Agriculture, Hunting and Forestry- - - - - - - - 40,260 - - -

2Perikanan

Fishery- - - - - - - - - - - -

3Pertambangan dan Penggalian

Mining and Excavation- 1,072,760 - - - - - - 1,457,429 122,394 - -

4Industri pengolahan

Manufacturing- 3,431 - - - - - 1,387 6,598,671 2,861- - -

5Listrik, Gas dan Air

Electricity, Gas and Water- - - - - - - - 109,887 - - -

6Konstruksi

Construction- - - - - - - 402 362,627 - - -

7Perdagangan besar dan eceran

Whosale and Retail Trading- 160,385 - - - - - 1,530 1,193,644 1,809 - -

8Penyediaan akomodasi dan penyediaan makan minum

Accommodation and Food Providers- - - - - - - - 10,663 - - -

9Transportasi, pergudangan dan komunikasi

Transportation, Warehouse and Communication- 3,520 - - - - - - 1,363,892 - - -

10Perantara keuangan

Financial Brokerage- 80,554 - 2,904,883 - - - 119 869,369 - - -

11Real estate, usaha persewaan dan jasa perusahaan

Real Estate, Leasing and Corporate Services- - - - - - - - 569,518 - - -

12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

Public Administration, Defense and Compulsory Social Security6,184,178 42,006 - 84,636 - - - - - - - -

13Jasa pendidikan

Education Services- - - - - - - - - - - -

14Jasa kesehatan dan kegiatan sosial

Health and Social Services- - - - - - - - - - - -

15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya

Social Services, Social Culture, Entertainment and Individual Services- - - - - - - - 22,774 - - -

16Jasa perorangan yang melayani rumah tangga

Individual Services for Housing- - - - - - - - - - - -

17Badan internasional dan badan ekstra internasional lainnya

International Agency and Other International Extra Agency- - - - - - - - - - - -

18Kegiatan yang belum jelas batasannya

Other Services- - - - - - - - - - - -

19Bukan Lapangan Usaha

Non Business Activity- - - - 1,070,095 - - 6,788,589 - 279,699 - -

20Lainnya

Others- - - - - - - - 219,614 - 761,717 -

Jumlah

Total6,184,178 1,362,656 - 2,989,519 1,070,095 - - 6,792,027 12,818,348 401,041 761,717 -

Tabel 2.3.a Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.3.a Disclosure on Net Amount Based on Economic Sector - Bank Only


Beban Modal

Capital Charge

ATMR

RWA

1 - -

a. Risiko Spesifik

Specific Risk- -

b. Risiko Umum

General Risk90,316 1,128,952

2 21,205 265,065

3

4

5 - -

111,521 1,394,016

Risiko Ekuitas

Equity RiskRisiko Komoditas

Commodity RiskRisiko Option

Option RiskJumlah

Total

Tabel Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar

Table Market Risk under the Standardized Approach

Jenis Risiko

Type of Risk

Risiko Suku Bunga

Interest Rate Risk

Risiko Nilai Tukar

Foreign Exchange Risk

No.

30 Juni 2017/ 30 June 2017

Bank


1Pendekatan Indikator Dasar

Basic Indicator Approach3,709,502 556,425 6,955,317

Jumlah

Total3,709,502 556,425 6,955,317

Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual

Table Operational Risk under Basic Indicator Approach - Bank Only

No. Pendekatan Yang Digunakan

Approach

30 Juni 2017/ 30 June 2017

Pendapatan Bruto

(Rata-rata 3 tahun

terakhir)

Gross Income

(Average of last 3

years)

Beban Modal

Capital Charge

ATMR

RWA


Wilayah 1

Zone 1

Wilayah 2

Zone 2

Wilayah 3

Zone 3

Wilayah 4

Zone 4

Wilayah 5

Zone 5

Jumlah

Total

1Tagihan

Gross Financial Assets22,588,117 3,673,810 1,858,935 622,998 362,628 29,106,488

2Tagihan yang mengalami penurunan nilai (impaired )

Impaired Assets

a. Belum jatuh tempo/Current 12,832 607 1,880 714 85 16,118

b. Telah jatuh tempo/Past Due 455,075 507,157 133,326 29,901 15,382 1,140,841

3Cadangan kerugian penurunan nilai (CKPN) - Individual

Individual Impairment Provision364,078 469,451 61,457 - - 894,986

4Cadangan kerugian penurunan nilai (CKPN) - Kolektif

Portfolio Impairment Provision565,138 147,333 152,000 67,660 35,898 968,029

5Tagihan yang dihapus buku

Write Off Assets6,169,213 103,896 345,490 117,414 18,392 6,754,405

Keterangan/Remark :Wilayah 1/Zone 1 : DKI JakartaWilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and BantenWilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/Central Java, East Java and BaliWilayah 4/Zone 4 : SumateraWilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua

Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara IndividualTable 2.4.a - Disclosure on Gross Financial Assets and Provision Based on Geography - Bank Only

Wilayah

GeographyNo.

Keterangan

Description

30 Juni 2017/30 June 2017


Belum Jatuh Tempo

Current

Telah jatuh tempo

Past Due

30 Juni 2016/30 June 2016

1Pertanian, perburuan dan Kehutanan

Agriculture, Hunting and Forestry40,260 - - - 42 -

2Perikanan

Fishery- - - - - -

3Pertambangan dan Penggalian

Mining and Excavation2,530,190 - 260,540 250,969 87,093 -

4Industri pengolahan

Manufacturing6,603,490 - 477,084 501,767 50,414 -

5Listrik, Gas dan Air

Electricity, Gas and Water109,887 - - 55,549 - -

6Konstruksi

Construction363,029 - - - 2,408 -

7Perdagangan besar dan eceran

Whosale and Retail Trading1,355,558 - 85,029 83,220 11,317 187,513

8Penyediaan akomodasi dan penyediaan makan minum

Accommodation and Food Providers10,663 - - - 6 -

9Transportasi, pergudangan dan komunikasi

Transportation, Warehouse and Communication1,367,412 - - - 22,142 9,037

10Perantara keuangan

Financial Brokerage3,854,924 - - - 4,669 -

11Real estate, usaha persewaan dan jasa perusahaan

Real Estate, Leasing and Corporate Services569,518 - - 320 2,835 -

12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

Public Administration, Defense and Compulsory Social Security3,808,829 - - - 2 -

13Jasa pendidikan

Education Services- - - - - -

14Jasa kesehatan dan kegiatan sosial

Health and Social Services- - - - - -

15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya

Social Services, Social Culture, Entertainment and Individual Services22,774 - - - 14 -

16Jasa perorangan yang melayani rumah tangga

Individual Services for Housing- - - - - -

17Badan internasional dan badan ekstra internasional lainnya

International Agency and Other International Extra Agency- - - - - -

18Kegiatan yang belum jelas batasannya

Other Services- - - - - -

19Bukan Lapangan Usaha

Non Business Activity7,844,525 16,118 318,188 3,162 787,087 -

20Lainnya

Others625,429 - - - - 6,557,855

Jumlah

Total 29,106,488 16,118 1,140,841 894,987 968,029 6,754,405

Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual

Table 2.5.a Disclosure on Gross Financial Assets and Provision Based on Economic Sector - Bank Only

Tagihan yang dihapus

buku

Write Off

No.Sektor Ekonomi

Economic Sector

Tagihan

Gross Financial Assets

Tagihan yang Mengalami Penurunan Nilai

Impaired AssetsCadangan Kerugian

Penurunan Nilai (CKPN)-

Individual

Individual Impairment

Provision

Cadangan kerugian

penurunan nilai (CKPN)

- Kolektif

Portfolio Impairment

Provision


CKPN Individual

Individual Impairment

Provision

CKPN Kolektif

Portfolio Impairment

Provision

1 1,175,431 1,090,727

2

2.a Pembentukan CKPN pada periode berjalan

Charge of Impairment Provision for the Current Year (Net)200,602 135,856-

2.b Pemulihan CKPN pada periode berjalan

Release of Impairment Provision for the Current Year (Net)- -

3 304,597- 111,810-

4 43,703- 7,778-

1,027,733 835,283

CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan

Impairment Provision for Write Off Current Year

Saldo akhir CKPN

Ending Balance of Impairment Provision

Pembentukan (pemulihan) CKPN pada periode berjalan (Net)

Charge (Release) of Impairment Provision for the Current Year (Net)

Saldo awal CKPN

Beginning Balance of Impairment Provision

Pembentukan (pemulihan) lainnya pada periode berjalan

Other Charge (Release) for the Current Year

Tabel 2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual

Table 2.6.a Disclosure on Detail of Impairment Provision Movement - Bank Only

30 Juni 2017/

30 June 2017

No.Keterangan

Description


Lembaga Pemeringkat

Rating Agency

Standard and Poor's AAAAA+ s.d AA-

AA+ to AA-

A+ s.d A-

A+ to A-

BBB+ s.d BBB-

BBB+ to BBB-

BB+ s.d BB-

BB+ to BB-

B+ s.d B-

B+ to B-

Kurang dari B-

Below B-A-1 A-2 A-3

Kurang dari A-3

Below A-3

Fitch Rating AAAAA+ s.d AA-

AA+ to AA-

A+ s.d A-

A+ to A-

BBB+ s.d BBB-

BBB+ to BBB-

BB+ s.d BB-

BB+ to BB-

B+ s.d B-

B+ to B-

Kurang dari B-

Below B-

F1+ s.d F1

F1+ to F1F2 F3

Kurang dari F3

Below F3

Moody's AaaAa1 s.d Aa3

Aa1 to Aa3

A1 s.d A3

A1 to A3

Baa1 s.d Baa3

Baa1 to Baa3

Ba1 s.d Ba3

Ba1 to Ba3

B1 s.d B3

BI to B3

Kurang dari B3

Below B3P-1 P-2 P-3

Kurang dari P-3

Below P-3

PT. Fitch Ratings Indonesia AAA (idn)AA+(idn) s.d AA-(idn)

AA+(idn) to AA-(idn)

A+(idn) s.d. A-(idn)

A+(idn) to A-(idn)

BBB+(idn) s.d BBB-(idn)

BBB+(idn) to BBB-(idn)

BB+(idn) s.d BB-(idn)

BB+(idn) to BB-(idn)

B+(idn) s.d B-(idn)

B+(idn) to B-(idn)

Kurang dari B-(idn)

Below B-(idn)

F1+(idn) s.d F1(idn)

F1+(idn) to F1(idn)F2(idn) F3(idn)

Kurang dari F3(idn)

Below F3(idn)

PT ICRA Indonesia [Idr]AAA[Idr]AA+ s.d [Idr]AA-

[Idr]AA+ to [Idr]AA-

[Idr]A+ s.d [Idr]A-

[Idr]A+ to [Idr]A-

[Idr]BBB+ s.d [Idr]BBB-

[Idr]BBB+ to [Idr]BBB-

[Idr]BB+ s.d [Idr]BB-

[Idr]BB+ to [Idr]BB-

[Idr]B+ s.d [Idr]B-

[Idr]B+ to [Idr]B-

Kurang dari [Idr]B-

Below [Idr]B-

[Idr]A1+ s.d [Idr]A1

[Idr]A1+ to [Idr]A1

[Idr]A2+ s.d A2

[Idr]A2+ to A2

[Idr]A3+ s.d [Idr] A3

[Idr]A3+ to [Idr] A3

Kurang dari [Idr]A3

Below [Idr]A3

PT Pemeringkat Efek Indonesia idAAAidAA+ s.d idAA-

idAA+ to idAA-

idA+ s.d id A-

idA+ to idA-

id BBB+ s.d id BBB-

id BBB+ to id BBB-

id BB+ s.d id BB-

id BB+ to id BB-

id B+ s.d id B-

id B+ to id B-

Kurang dari idB-

Below idB-idA1 idA2

idA3 s.d id A4

idA3 to id A4

Kurang dari idA4

Below idA4


Claims on Sovereign- - - - - - - - - - - 6,184,178 6,184,178


Claims on Public Sector- - 80,554 - - - - - - - - 1,282,102 1,362,656

3Tagihan Kepada Bank Pembangunan Multilateral

dan Lembaga Internasional- - - - - - - - - - - - -


Claims on Bank- 2,369,792 217,731 303,417 11,153 - - - - - - 87,425 2,989,518


Claims Secured by Residential Property


Claims Secured by Commercial Real Estate


Employee Loan/Pension

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel-


Claims on Corporate- 751,076 19,697 10,830 109,887 - - - - - - 11,926,860 12,818,350


Past Due Claims

11Aset Lainnya

Other Assets


Exposures at Sharia Unit (if any)- - - - - - - - - - - - -

JUMLAH

TOTAL- 3,120,868 317,982 314,247 121,040 - - - - - - 19,480,565 23,354,702

Peringkat Jangka Pendek

Short Term Rating

Tanpa

Peringkat

Unrated

Jumlah

Total

Tabel 3.1.a Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara IndividualTable 3.1.a Disclosure on Net Amount based on Portfolio Category and Rating - Bank Only

No.Kategori Portofolio

Portfolio Category

Peringkat Jangka panjang

Long Term Rating

30 Juni 2017/30 June 2017Tagihan Bersih/Net Amount


≤ 1 tahun

≤ 1 year

> 1 tahun - ≤ 5

tahun

> 1 year - ≤ 5

years

≥ 5 tahun

≥ 5 years

1Suku Bunga

Interest Rate9,328,644 9,854,578 1,466,080 53,769 48,306 53,769 - 53,769

2Nilai Tukar

Foreign Exchange- 22,515,878 - 105,392 136,671 105,392 - 105,392

3Lainnya

Others5,775,789 6,021,865 - 157,522 125,781 157,522 - 157,522

JUMLAH

TOTAL15,104,433 38,392,321 1,466,080 316,683 310,758 316,683 - 316,683

Tabel 3.2.a Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif

Table 3.2.a Disclosure on Counterparty Credit Risk : Derivative Transactions

BANK SECARA INDIVIDUAL

BANK ONLY

No.

Variabel yang Mendasari

Underlying Financial

Instrument

30 Juni 2017/30 June 2016

Nilai Notional

Notional Amount Tagihan

Derivatif

Derivative

Receivable

Kewajiban

Derivatif

Derivative

Payable

Tagihan Bersih

sebelum MRK

Net Amount Before

CRM

MRK (Mitigasi

Risiko Kredit)

CRM (Credit

Risk

Mitigation)

Tagihan Bersih

setelah MRK

Net Amount

After CRM


Tagihan Bersih/ Net

Amount

Nilai MRK/

CRM Amount

ATMR setelah MRK/

RWA After CRM


Claims on Sovereign- - - -


Claims on Public Sector- - - -

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional

Claims on Multilateral Development Bank and International

Institution

- - - -


Claims on Bank- - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - -


Claims on Corporate- - - -


Exposures at Sharia Unit (if any)- - - -

JUMLAH/TOTAL - - - -

Tabel 3.2.c Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara IndividualTable 3.2.c Disclosure on Counterparty Credit Risk : Reverse Repo Transactions - Bank Only

Tagihan Bersih

setelah MRK/

Net Amount After

CRM


Portfolio Category

30 Juni 2017/ 30 June 2017


0% 20% 35% 40% 45% 50% 75% 100% 150%Lainnya

Others

AEksposur Neraca

On Balance Sheet


Claims on Sovereign- - - - - - - - - - - -


Claims on Public Sector- - - - - 87,245 - - - - 87,245 6,980

3


Internasional


Institution

- - - - - - - - - - - -


Claims on Bank- 530,721 - - - 41,166 - - - - 571,887 45,751


Claims Secured by Residential Property- 300,106 85,060 - - - - - 385,166 30,813


Claims Secured by Commercial Real Estate- - - - - - - - - - - -


Employee Loan/Pension- - - - - - - - - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - 5,091,329 - - - 5,091,329 407,306


Claims on Corporate- - - - - 3,048 10,719,359 - - 10,722,407 857,793


Past Due Claims- - - - - - - 38,977 543,096 - 582,073 46,566

11Aset Lainnya

Other Assets- - - - - - - 595,755 - - 595,755 47,660


Exposures at Sharia Unit (if any)- - - - - - - - - - - -

Total Eksposur Neraca

Total On Balance Sheet- 530,721 300,106 85,060 - 131,459 5,091,329 11,354,091 543,096 - 18,035,862 1,442,869

B

Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi

Rekening Administratif

Off Balance Sheet

- -





3


Internasional


Institution

- - - - - - - - - - - -


Claims on Bank- - - - - - - - - - - -


Claims Secured by Residential Property- - - - - - - - - - - -


Claims Secured by Commercial Real Estate- - - - - - - - - - - -


Employee Loan/Pension- - - - - - - - - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - - - - - - -


Claims on Corporate- 76,482 - - - 3,191 - 1,463,098 - - 1,542,771 123,422


Past Due Claims- - - - - - - - - - - -



Total Eksposur TRA

Total Off Balance Sheet- 76,482 - - - 823,653 - 1,463,098 - - 2,363,233 189,059

CEksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk- -





3


Internasional


Institution

- - - - - - - - - - - -


Claims on Bank- 75,349 87,159 - 30,540 - - 193,048 15,444


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - 571 - - - 571 46


Claims on Corporate- - - - - - - 344,257 344,257 27,541



Total Eksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk- 75,349 - - - 119,519 571 374,797 - - 570,236 45,620

Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual

Table 4.1.a Disclosure on Net Amount based on Risk Weight After Credit Risk Mitigation - Bank Only


Portfolio Category

ATMR

RWA

Beban Modal

Capital Charge

30 Juni 2017/ 30 June 2017

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit

Net Amount after Credit Risk Mitigation


Agunan

Cash Collateral

Garansi

Guarantee

Asuransi Kredit

Credit

Insurance

Lainnya

Others

AEksposur Neraca

On Balance Sheet


Claims on Sovereign6,184,178 - - - 6,184,178


Claims on Public Sector174,490 - - - 174,490


Claims on Multilateral Development Bank and International Institution- - - - -


Claims on Bank2,835,933 100,000 - - 2,735,933


Claims Secured by Residential Property1,070,095 - - - 1,070,095


Claims Secured by Commercial Real Estate- - - - -


Employee Loan/Pension- - - - -


Claims on Micro and Small Enterprise and retail Portfolio6,791,906 3,467 - - 6,788,439


Claims on Corporate10,763,160 249,567 - - 10,513,593


Past Due Claims401,041 - - - 401,041

11Aset Lainnya

Other Assets761,717 - - 761,717


Exposures at Sharia Unit (if any)- - - - -

Total Eksposur Neraca

Total On Balance Sheet28,982,520 353,034 - - - 28,629,486

BEksposur Rekening Adminsitratif

Off Balance Sheet


Claims on Sovereign-


Claims on Public Sector1,640,923 - - - 1,640,923




Claims on Bank- - - - -


Claims Secured by Residential Property- - - - -


Claims Secured by Commercial Real Estate- - - - -


Employee Loan/Pension- - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - -


Claims on Corporate2,064,925 233,407 - - 1,831,518


Past Due Claims- - - - -



Total Eksposur Rekening Administratif

Total Off Balance Sheet3,705,848.00 233,407.00 0.00 0.00 0.00 3,472,441

CEksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk6,944,882


Claims on Sovereign10,733 - - -


Claims on Public Sector64,718 - - -




Claims on Bank581,596 - - - 581,596


Claims on Micro and Small Enterprise and retail Portfolio761 - - - 761


Claims on Corporate344,257 - - - 344,257



Total Eksposur Akibat Kegagalan Pihak Lawan

Counterparty Credit Risk1,002,065 - - - - 1,002,065

33,690,433 586,441 - - - 33,103,992

Tabel Pengungkapan Tagihan Bersih Dan Teknik Mitigasi Risiko Kredit - Bank secara IndividualTable Net Amount and Credit Risk Mitigation Technique - Bank Only

Tagihan Bersih

Net Amount

Bagian Yang Dijamin Dengan/Secured by

Jumlah (A+B+C)

Total (A+B+C)


Portfolio Category

30 Juni 2017/ 30 June 2017

Bagian Yang

Tidak Dijamin

Unsecured

Exposure


Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. 6,184,178 - -

2. 174,490 87,245 87,245

3. - - -

4. 2,835,933 591,887 571,887

5. 1,070,095 385,166 385,166

6. - - -

7. - - -

8. 6,791,906 5,093,930 5,091,329

9. 10,763,160 10,760,112 10,546,602

10. 401,041 582,073 582,073

11. 761,717 - 595,755

28,982,520 17,500,413 17,860,057

Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. - - -

2. 1,640,923 820,462 820,462

3. - - -

4. - - -

5. - - -

6. - - -

7. - - -

8. - - -

9. 2,064,925 1,755,805 1,542,771

10. - - -

3,705,848 2,576,267 2,363,233

Kredit Beragun Rumah Tinggal


Kredit Pegawai/Pensiunan

Employee Loan/Pension

Kredit Beragun Properti Komersial

Claims Secured by Residential PropertyKredit Pegawai/Pensiunan

Employee Loan/PensionTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Claims on Micro and Small Enterprise and retail PortfolioTagihan Kepada Korporasi

Claims on CorporateTagihan yang Telah Jatuh Tempo

Past Due Claims

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Claims on Micro and Small Enterprise and retail Portfolio

Kredit Beragun Properti Komersial



InternasionalTagihan Kepada Bank

Claims on BanksKredit Beragun Rumah Tinggal


Tagihan Kepada Pemerintah

Claims on SovereignTagihan Kepada Entitas Sektor Publik

Claims on Public Sector

Tagihan Kepada Korporasi

Claims on CorporateTagihan yang Telah Jatuh Tempo

Past Due ClaimsJUMLAH

TOTAL

JUMLAH

TOTAL


Claims on SovereignTagihan Kepada Entitas Sektor Publik

Claims on Public SectorTagihan Kepada Bank Pembangunan Multilateral dan Lembaga

InternasionalTagihan Kepada Bank

Claims on Banks

Dalam Jutaan Rupiah/In Million Rp30 Juni 2017/30 June 2017

Tabel Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif

Table Exposure on Commitment/Contingent Liabilities in Administrative Accounts


Portfolio Category

Aset Lainnya

Other Assets

Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual

30 Juni 2017/ 30 June 2017

Credit RWA Calculation under Standardized Approach - Bank Only

Tabel Pengungkapan Eksposur Aset di Neraca

Table Asset Exposure on Balance Sheet

Kategori Portofolio

Portfolio CategoryNo.

14

Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. 10,733 - -

2. 64,718 32,360 32,360

3. - - -

4. 581,596 193,048 193,048

5. 761 571 571

6. 344,257 344,257 344,257

1,002,065 570,236 570,236


- TOTAL FAKTOR PENGURANG MODAL

TOTAL CAPITAL DEDUCTION FACTOR

TOTAL ATMR RISIKO KREDIT

TOTAL RWA CREDIT RISK20,793,526

30-Jun-17

Tabel Pengungkapan Total Pengukuran Risiko KreditTable Total Credit Risk

Tagihan Kepada Bank

Claims on BanksTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Claims on Micro and Small Enterprise and retail PortfolioTagihan Kepada Korporasi

Claims on CorporateJUMLAH

TOTAL


30 Juni 2017/30 June 2017


Claims on Sovereign

Table Counterparty Credit Risk

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit


Portfolio Category

Tagihan Kepada Entitas Sektor Publik

Claims on Public SectorTagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional

15


I

A

1.Kas

Cash120,862 120,862 - - - -

2.Penempatan pada Bank Indonesia

Placement to BI875,619 875,619 - - - -

3.Penempatan pada Bank Lain

Placement to Other Banks39,618 39,618 - - - -

4.Surat Berharga

Marketable Securities4,749,451 28,757 - 893,098 505,860 3,321,736

5.Kredit yang Diberikan

Loans12,502,164 5,650,324 322,714 377,534 1,037,668 5,113,924

6.Tagihan Lainnya

Other Receivables70,643 2,508 66,372 1,763 - -

7.Lain-lain

Others365,712 149,833 204,232 - 11,647 -

18,724,069 6,867,521 593,318 1,272,395 1,555,175 8,435,660

B

1.Dana Pihak Ketiga

Third Party Funds9,556,782 4,946,577 3,861,135 680,299 68,771 -

2.Kewajiban pada Bank Indonesia

Liabilities to BI- - - - - -

3.Kewajiban pada Bank Lain

Liabilities to Other Banks377,801 377,801 - - - -

4.Surat Berharga yang Diterbitkan

Issued Marketable Securities- - - - - -

5.Pinjaman yang Diterima

Borrowing- - - - - -

6.Kewajiban Lainnya

Other Liabilities365,927 297,625 66,611 1,691 - -

7.Lain-lain

Others709,361 54,846 278,626 - 262,827 113,062

11,009,871 5,676,849 4,206,372 681,990 331,598 113,062

7,714,198 1,190,672 3,613,054- 590,405 1,223,577 8,322,598

II

A

1.Komitmen

Commitment- - - - - -

2.Kontinjensi

Contigent- - - - - -

- - - - - -

B

1.Komitmen

Commitment326,585 21,810 132,575 - - 172,200

2.Kontinjensi

Contigent13,257 - - - - 13,257

339,842 21,810 132,575 - - 185,457

339,842.0- 21,810.0- 132,575.0- - - 185,457-

7,374,356 1,168,862 3,745,629- 590,405 1,223,577 8,137,141

- 1,168,862.0 2,576,767.0- 1,986,362.0- 762,785.0- 7,374,356

Tabel Pengungkapan Profil Maturitas Rupiah - Bank Secara IndividualTable Maturity Profile Rupiah - Bank Only

>6 bln s.d. 12

bln

>6 moths to

12 months

>12 bln

>12 months

Saldo

Balance

30 Juni 2017/ 30 June 2017

No. ≤ 1 bulan

≤ 1 month

>1 bln s.d. 3

bln

>1 moth to

3 months

>3 bln s.d. 6

bln

>3 moths to

6 months

Pos-Pos

Account

Selisih Tagihan dan Kewajiban dalam Rekening Administratif

Off Balance Sheet Receivable - Off Balance Sheet Payable

Selisih (IA-IB)+(IIA-IIB)

Difference (IA-IB)+(IIA-IIB)

Selisih Kumulatif

Cummulative Difference

NERACA

ON BALANCE SHEETAset

Asset

Total Aset

Total Asset

Kewajiban

Liabilities

Total Kewajiban

Total Liabilities

Selisih Aset dengan Kewajiban dalam Neraca

Asset - Liabilities

REKENING ADMINISTRATIF

OFF BALANCE SHEETTagihan Rekening Administratif

Off Balance Sheet Receivable

Kewajiban Rekening Administratif

Off Balance Sheet Payable

Total Tagihan Rekening Administratif

Total Off Balance Sheet Receivable

Total Kewajiban Rekening Administratif

Total Off Balance Sheet Payable


I

A

1.Kas

Cash45,102 45,102 - - - -

2.Penempatan pada Bank Indonesia

Placement to BI1,626,016 1,626,016 - - - -

3.Penempatan pada Bank Lain

Placement to Other Banks2,611,169 2,611,169 - - - -

4.Surat Berharga

Marketable Securities75,197 19,526 45,115 - 10,556 -

5.Kredit yang Diberikan

Loans6,442,676 916,300 209,396 242,316 923,631 4,151,033

6.Tagihan Lainnya

Other Receivables1,132,667 289,058 507,051 155,138 71,105 110,316

7.Lain-lain

Others30,361 29,135 1,146 - 80 -

11,963,188 5,536,305 762,708 397,454 1,005,371 4,261,349

B

1.Dana Pihak Ketiga

Third Party Funds9,640,824 8,453,259 613,848 458,670 86,059 28,988

2.Kewajiban pada Bank Indonesia

Liabilities to BI- - - - - -

3.Kewajiban pada Bank Lain

Liabilities to Other Banks710,356 586,432 123,924 - - -

4.Surat Berharga yang Diterbitkan

Issued Marketable Securities- - - - - -

5.Pinjaman yang Diterima

Borrowing- - - - - -

6.Kewajiban Lainnya

Other Liabilities1,126,696 281,221 503,798 185,086 53,912 102,679

7.Lain-lain

Others222,791 8,583 166,520 18,033 29,655 -

11,700,666 9,329,495 1,408,090 661,789 169,625 131,667

262,522 3,793,189- 645,382- 264,334- 835,746 4,129,681

II

A

1.Komitmen

Commitment13,960,709 5,664,481 2,790,937 2,606,411 2,898,880 -

2.Kontinjensi

Contigent- - - - - -

13,960,709 5,664,481 2,790,937 2,606,411 2,898,880 -

B

1.Komitmen

Commitment13,406,277 5,781,834 2,483,727 2,398,947 1,837,425 904,345

2.Kontinjensi

Contigent610,822 - 16,847 475,943 - 118,033

14,017,100 5,781,834 2,500,573 2,874,890 1,837,425 1,022,378

56,391- 117,353- 290,364 268,479- 1,061,455 1,022,378-

206,131 3,910,542- 355,018- 532,814- 1,897,201 3,107,304

- 3,910,542- 4,265,560- 4,798,374- 2,901,173- 206,131

Tabel Pengungkapan Profil Maturitas Valas - Bank Secara Individual

Table Maturity Profile Foreign Currency - Bank Only

No. Pos-Pos

Account

30 Juni 2017/ 30 June 2017

Saldo

Balance

≤ 1 bulan

≤ 1 month

>1 bln s.d. 3 bln

>1 moth to

3 months

>3 bln s.d. 6 bln

>3 moths to

6 months

Kewajiban

Liabilities

>6 bln s.d. 12

bln

>6 moths to

12 months

>12 bln

>12 months

NERACA

ON BALANCE SHEETAset

Asset

Total Aset

Total Asset

Total Kewajiban Rekening Administratif

Total Off Balance Sheet Payable

Selisih Tagihan dan Kewajiban dalam Rekening Administratif

Off Balance Sheet Receivable - Off Balance Sheet Payable

Selisih (IA-IB)+(IIA-IIB)

Difference (IA-IB)+(IIA-IIB)

Selisih Kumulatif

Cummulative Difference

Total Kewajiban

Total Liabilities

Selisih Aset dengan Kewajiban dalam Neraca

Asset - Liabilities

REKENING ADMINISTRATIF

OFF BALANCE SHEETTagihan Rekening Administratif

Off Balance Sheet Receivable

Total Tagihan Rekening Administratif

Total Off Balance Sheet Receivable

Kewajiban Rekening Administratif

Off Balance Sheet Payable

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