LAMPIRAN I TABEL PENGUNGKAPAN EKSPOSUR RISIKO DAN ...€¦ · RISIKO DAN PENERAPAN MANAJEMEN RISIKO...

147Laporan Tahunan 2018 Annual Report

Bank Resona Perdania

LAMPIRAN ITABEL PENGUNGKAPAN EKSPOSURRISIKO DAN PENERAPAN MANAJEMENRISIKO BANKATTACHMENT ITABLE OF DISCLOSURES OF RISK EXPOSURE AND RISK MANAGEMENT IMPLEMENTATION


148 Laporan Tahunan 2018 Annual Report


Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara IndividualTable 2.1.a Individual Disclosure of Net Claims by Region - Individual Bank

No. Kategori PortofolioPortfolio Categories

31 Desember 2018December 31, 2018


Tagihan Bersih Berdasarkan WilayahNet Claim by Region


JakartaJakarta

BantenBanten

Jawa BaratWest Java

Jawa TengahCentral Java

Jawa TimurEast Java

Luar JawaOutside Java

Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

1 Tagihan Kepada PemerintahClaim to The Government 2.283.973 - - - - - - 2.283.973 2.151.136 - - - - - - 2.151.136

2 Tagihan Kepada Entitas Sektor PublikClaim to Public Sector Entities - - - - - - - - - - - - - - - -

3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaim to The Multilateral Development Banks and International Institutions

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

4 Tagihan Kepada BankClaim to The Bank 1.045.925 - - - - - 865.041 1.910.966 513.469 - - - - - 870.173 1.383.643

5 Kredit Beragun Rumah TinggalResidential Mortgage Loans - - - - - - - - - - - - - - - -

6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans 235.761 5.000 26.799 - - - - 267.559 - - 263.831 - - - - 263.831

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - - - - - - - - - - - -

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Small and Retail Portfolio

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

9 Tagihan kepada KorporasiClaim to Corporate 6.166.589 1.117.003 3.514.781 214.823 1.346.752 277.221 - 12.637.169 63.325 8.878 10.120.769 308 2.466 127.360 - 10.323.106

10 Tagihan yang Telah Jatuh Tempo/Claim on past due 228.026 - - - - - - 228.026 - - 57.084 - - - - 57.084

11 Aset LainnyaOthers Asset 269.724 - - - - - - 269.724 208.222 - - - - - - 208.222

12 Eksposur di Unit Usaha Syariah (apabila ada)Exposure in Units of Sharia (when available) - - - - - - - - - - - - - - - -

Total 10.229.998 1.122.003 3.541.579 214.823 1.346.752 277.221 865.041 17.597.418 2.936.152 8.878 10.441.684 308 2.466 127.360 870.173 14.387.022



Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara IndividualTable 2.1.a Individual Disclosure of Net Claims by Region - Individual Bank






JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)




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






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

9 Tagihan kepada KorporasiClaim to Corporate 6.166.589 1.117.003 3.514.781 214.823 1.346.752 277.221 - 12.637.169 63.325 8.878 10.120.769 308 2.466 127.360 - 10.323.106

10 Tagihan yang Telah Jatuh Tempo/Claim on past due 228.026 - - - - - - 228.026 - - 57.084 - - - - 57.084


12 Eksposur di Unit Usaha Syariah (apabila ada)Exposure in Units of Sharia (when available) - - - - - - - - - - - - - - - -

Total 10.229.998 1.122.003 3.541.579 214.823 1.346.752 277.221 865.041 17.597.418 2.936.152 8.878 10.441.684 308 2.466 127.360 870.173 14.387.022

dalam jutaan Rupiah/in million Rupiah



Tabel 2.1.b Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.1.b Disclosure of Net Claims By Region - Bank Consolidated with Subsidiary






JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)




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






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

9 Tagihan kepada KorporasiClaim to Corporate 6.049.415 1.143.352 3.750.411 217.390 1.439.106 286.109 - 12.885.784 (21.773) 49.418 10.354.814 5.282 88.326 127.360 - 10.603.428

10 Tagihan yang Telah Jatuh TempoClaim on past due 228.026 - - - - - - 228.026 - - 57.084 - - - - 57.084


12 Eksposur di Unit Usaha Syariah (apabila ada) Exposure in Units of Sharia (when available) - - - - - - - - - - - - - - - -

Total 10.144.220 1.148.352 3.777.210 217.390 1.439.106 286.109 865.041 17.877.428 2.860.339 49.418 10.675.729 5.282 88.326 127.360 870.173 14.676.628




Tabel 2.1.b Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.1.b Disclosure of Net Claims By Region - Bank Consolidated with Subsidiary






JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)




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






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

9 Tagihan kepada KorporasiClaim to Corporate 6.049.415 1.143.352 3.750.411 217.390 1.439.106 286.109 - 12.885.784 (21.773) 49.418 10.354.814 5.282 88.326 127.360 - 10.603.428

10 Tagihan yang Telah Jatuh TempoClaim on past due 228.026 - - - - - - 228.026 - - 57.084 - - - - 57.084


12 Eksposur di Unit Usaha Syariah (apabila ada) Exposure in Units of Sharia (when available) - - - - - - - - - - - - - - - -

Total 10.144.220 1.148.352 3.777.210 217.390 1.439.106 286.109 865.041 17.877.428 2.860.339 49.418 10.675.729 5.282 88.326 127.360 870.173 14.676.628






Tagihan bersih berdasarkan sisa jangka waktu kontrakNet Claims Based Remaining Contract Term


< 1 tahun/ < 1 year

>1 thn s.d. 3 thn> 1 year until 3

years


years> 5 thn

> 5 yearsNon-KontraktualNon-Contractual

TotalTotal

< 1 tahun/ < 1 year


years


years> 5 thn


TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

1 Tagihan Kepada PemerintahClaim to The Government 988.765 618.340 29.769 - 647.100 2.283.973 1.173.332 99.243 - - 878.561 2.151.136

2 Tagihan Kepada Entitas Sektor PublikClaim to Public Sector Entities - - - - - - - - - - - -


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

4 Tagihan Kepada BankClaim to The Bank 909.192 1.001.774 - - - 1.910.966 44.197 334.014 - - 1.005.431 1.383.643

5 Kredit Beragun Rumah TinggalResidential Mortgage Loans - - - - - - - - - - - -

6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans 231.515 - 36.045 - - 267.559 225.098 - - 38.733 - 263.831

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - - - - - - - -

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Small and Retail Portfolio - - - - - - - - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 10.764.315 922.938 594.271 350.562 467 12.632.552 8.592.518 742.496 824.775 159.979 - 10.319.768

10 Tagihan yang Telah Jatuh TempoClaim on past due 109.532 - - - 118.494 228.026 57.084 - - - - 57.084

11 Aset LainnyaOthers Asset - - - - 269.724 269.724 - - - - 208.222 208.222

12 Eksposur di Unit Usaha Syariah (apabila ada)Exposure in Units of Sharia (when available) - - - - - - - - - - - -

Total 13.003.318 2.543.052 660.084 350.562 1.035.786 17.592.801 10.092.229 1.175.753 824.775 198.712 2.092.214 14.383.684

Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTable 2.2.a. Disclosure of Net Claims Based Remaining Contract Term - Individual Bank








< 1 tahun/ < 1 year


years


years> 5 thn


TotalTotal

< 1 tahun/ < 1 year


years


years> 5 thn


TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




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






9 Tagihan kepada KorporasiClaim to Corporate 10.764.315 922.938 594.271 350.562 467 12.632.552 8.592.518 742.496 824.775 159.979 - 10.319.768


11 Aset LainnyaOthers Asset - - - - 269.724 269.724 - - - - 208.222 208.222


Total 13.003.318 2.543.052 660.084 350.562 1.035.786 17.592.801 10.092.229 1.175.753 824.775 198.712 2.092.214 14.383.684

Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTable 2.2.a. Disclosure of Net Claims Based Remaining Contract Term - Individual Bank dalam jutaan Rupiah/in million Rupiah








< 1 tahun < 1 year


years


years> 5 thn


TotalTotal

< 1 tahun< 1 year


years


years> 5 thn


TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




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






9 Tagihan kepada KorporasiClaim to Corporate 10.425.636 1.236.230 879.463 350.562 467 12.892.359 8.319.654 1.024.670 1.130.005 159.979 - 10.634.307


11 Aset LainnyaOthers Asset - - - 31.395 269.724 301.119 (326) - - 9.611 208.222 217.506


Total 12.664.640 2.856.344 945.276 381.957 1.035.786 17.884.002 9.819.039 1.457.927 1.130.005 208.323 2.092.214 14.707.507

Tabel 2.2.b. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.2.b Disclosure of Net Claims Based Remaining Contract Term - Bank Consolidated with Subsidiary








< 1 tahun < 1 year


years


years> 5 thn


TotalTotal

< 1 tahun< 1 year


years


years> 5 thn


TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




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






9 Tagihan kepada KorporasiClaim to Corporate 10.425.636 1.236.230 879.463 350.562 467 12.892.359 8.319.654 1.024.670 1.130.005 159.979 - 10.634.307


11 Aset LainnyaOthers Asset - - - 31.395 269.724 301.119 (326) - - 9.611 208.222 217.506


Total 12.664.640 2.856.344 945.276 381.957 1.035.786 17.884.002 9.819.039 1.457.927 1.130.005 208.323 2.092.214 14.707.507

Tabel 2.2.b. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.2.b Disclosure of Net Claims Based Remaining Contract Term - Bank Consolidated with Subsidiary dalam jutaan Rupiah/in million Rupiah



Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.3.a. Disclosure of Net Claims by Economic Sector – Individual Bank

No. Sektor EkonomiEconomic Sectors

Tagihan Kepada Pemerintah Claim to TheGovernment

Tagihan Kepada Entitas Sektor

PublikClaim to Public Sector Entities

Tagihan Kepada Bank

Pembangunan Multilateral

dan Lembaga InternasionalClaim to The Multilateral

Development Banks and

International Institutions

Tagihan Kepada Bank

Claim to The Bank

Kredit Beragun Rumah Tinggal

Residential Mortgage Loans

Kredit Beragun Properti

KomersialCommercial

Property Mortgage Loans

Kredit Pegawai/Pensiunan

Retired Employee Credit

Tagihan Kepada Usaha Mikro,

Usaha Kecil dan Portofolio RitelClaim to Micro,

Smalldan Retail Portfolio

Tagihan kepada Korporasi

Claim to Corporate

Tagihan yang Telah Jatuh

TempoClaim on past due

Aset LainnyaOthers Asset

Eksposur di Unit Usaha Syariah (apabila ada)

Exposure in Units of Sharia (when

available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)



1 Pertanian, perburuan dan KehutananAgriculture, Hunting and Forestry - - - - - - - - 8.628 - - -

2 PerikananFisheries - - - - - - - - - - - -

3 Pertambangan dan PenggalianMining and Quarrying - - - - - - - - 85.000 - - -

4 Industri pengolahanManufacturing Industry - - - - - - - - 6.270.593 - - -

5 Listrik, Gas dan AirElectricity, Gas and Water - - - - - - - - 105.340 - - -

6 Konstruksi/Construction - - - - - 26.799 - - 272.915 - - -

7 Perdagangan besar dan eceranWholesale and Retail Trade - - - - - - - - 3.111.767 107.730 - -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers - - - - - - - - 3.061 52.502 - -

9 Transportasi, pergudangan dan komunikasiTransportation, Storage and Communication - - - - - - - - 75.660 - - -

10 Perantara keuanganFinancial Brokers - - - 1.910.966 - - - - 1.368.613 67.795 269.724 -

11 Real estate, usaha persewaan dan jasa perusahaanReal estate, rental business, and corporate services - - - - - 240.761 - - 1.205.772 - - -

12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajibPublic Administration, Defense and Compulsory Social Security

2.283.973 - - - - - - - - - - -

13 Jasa pendidikanEducation Services - - - - - - - - - - - -

14 Jasa kesehatan dan kegiatan sosialHealth Services and Social Activities - - - - - - - - - - - -

15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnyaSocial Services, Socio-Cultural, Entertainment and Other Individual

- - - - - - - - 85 - - -

16 Jasa perorangan yang melayani rumah tanggaHouseholds Personal Services - - - - - - - - 2.476 - - -

17 Badan internasional dan badan ekstra internasional lainnya International and Extra International Agencies - - - - - - - - - - - -

18 Kegiatan yang belum jelas batasannyaUndefined activities - - - - - - - - 71.666 - - -

19 Bukan Lapangan UsahaNot a Business Field - - - - - - - - - - - -

20 LainnyaOthers - - - - - - - - - - - -

Total 2.283.973 - - 1.910.966 - 267.559 - - 12.581.576 228.026 269.724 -



Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.3.a. Disclosure of Net Claims by Economic Sector – Individual Bank


Tagihan Kepada Pemerintah Claim to TheGovernment



Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




KomersialCommercial








Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)








6 Konstruksi/Construction - - - - - 26.799 - - 272.915 - - -





11 Real estate, usaha persewaan dan jasa perusahaanReal estate, rental business, and corporate services - - - - - 240.761 - - 1.205.772 - - -


2.283.973 - - - - - - - - - - -




- - - - - - - - 85 - - -





20 LainnyaOthers - - - - - - - - - - - -

Total 2.283.973 - - 1.910.966 - 267.559 - - 12.581.576 228.026 269.724 -





Tagihan Kepada PemerintahClaim to TheGovernment



Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




KomersialCommercial


Kredit PegawaiPensiunan






Claim to Corporate



Aset Lainnya Others Asset



available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)








6 KonstruksiConstruction - - - - - 22.818 - - 156.284 - - -

7 Perdagangan besar dan eceranWholesale and Retail Trade - - - - - - - - 2.385.863 - - -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers - - - - - - - - - 48.348 - -


10 Perantara keuanganFinancial Brokers - - - 1.383.643 - - - - 1.185.092 - 208.222 -

11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services - - - - - 241.013 - - 777.489 8.736 - -

12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajibPublic Administration, Defense and Compulsory Social Security 2.151.136 - - - - - - - - - - -




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


17 Badan internasional dan badan ekstra internasional lainnyaInternational and Extra International Agencies - - - - - - - - - - - -

18 Kegiatan yang belum jelas batasannyaUndefined activities - - - - - - - - - - - -


20 LainnyaOthers - - - - - - - - - - - -

Total 2.151.136 - - 1.383.643 - 263.831 - - 10.323.106 57.084 208.222 -







Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




KomersialCommercial


Kredit PegawaiPensiunan






Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)










8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers - - - - - - - - - 48.348 - -


10 Perantara keuanganFinancial Brokers - - - 1.383.643 - - - - 1.185.092 - 208.222 -


12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajibPublic Administration, Defense and Compulsory Social Security 2.151.136 - - - - - - - - - - -




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





20 LainnyaOthers - - - - - - - - - - - -

Total 2.151.136 - - 1.383.643 - 263.831 - - 10.323.106 57.084 208.222 -




Tabel 2.3.b. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.3.b. Disclosure of Net Claims by Economic Sector - Bank Consolidated with Subsidiary





Tagihan Kepada Bank


dan Lembaga Internasional Claim to The Multilateral



Tagihan Kepada Bank

Claim to The Bank




Komersial Commercial





Usaha Kecil dan Portofolio Ritel Claim to Micro,



Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)













11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services - - - - - 240.761 - - 1.264.213 - - -

12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security 2.283.973 - - - - - - - - - 4.322 -



15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnyaSocial Services, Socio-Cultural, Entertainment and Other Individual - - - - - - - - 85 - - -





20 LainnyaOthers - - - - - - - - 12.458 - 27.073 -

Total 2.283.973 - - 1.910.966 - 267.559 - - 12.841.382 228.026 301.119 -



Tabel 2.3.b. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.3.b. Disclosure of Net Claims by Economic Sector - Bank Consolidated with Subsidiary





Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




Komersial Commercial





Usaha Kecil dan Portofolio Ritel Claim to Micro,



Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)













11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services - - - - - 240.761 - - 1.264.213 - - -

12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security 2.283.973 - - - - - - - - - 4.322 -








20 LainnyaOthers - - - - - - - - 12.458 - 27.073 -

Total 2.283.973 - - 1.910.966 - 267.559 - - 12.841.382 228.026 301.119 -















10 Perantara keuanganFinancial Brokers - - - 1.383.643 - - - - 885.470 - 208.222 -


12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajibPublic Administration, Defense and Compulsory Social Security 2.151.136 - - - - - - - - - 5.399 -








20 LainnyaOthers - - - - - - - - 6.879 - 3.885 -

Total 2.151.136 - - 1.383.643 - 263.831 - - 10.637.645 57.084 217.506 -





Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




KomersialCommercial








Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)














10 Perantara keuanganFinancial Brokers - - - 1.383.643 - - - - 885.470 - 208.222 -


12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajibPublic Administration, Defense and Compulsory Social Security 2.151.136 - - - - - - - - - 5.399 -








20 LainnyaOthers - - - - - - - - 6.879 - 3.885 -

Total 2.151.136 - - 1.383.643 - 263.831 - - 10.637.645 57.084 217.506 -





Tagihan Kepada Bank





Tagihan Kepada Bank

Claim to The Bank




KomersialCommercial








Claim to Corporate






available)

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




No. KeteranganInformation



WilayahRegion

WilayahRegion

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

1 TagihanClaims 9.701.024 1.064.642 3.488.887 214.553 1.331.886 273.255 860.158 16.934.405 2.918.598 8.173 10.294.866 (11) (156) 119.727 868.644 14.209.840

2 Tagihan yang mengalami penurunan nilai (impaired)Impaired Claims 310.713 - - - - - - 310.713 - - 133.191 - - - - 133.191

a. Belum jatuh tempoNot Past Due Yet - - - - - - - - - - - - - - - -

b. Telah jatuh tempoPast Due 310.713 - - - - - - 310.713 - - 133.191 - - - - 133.191

3 Cadangan kerugian penurunan nilai (CKPN) - Individual Provision for Possible Losses – Individual 82.687 - - - - - - 82.687 - - 76.108 - - - - 76.108

4 Cadangan kerugian penurunan nilai (CKPN) - KolektifProvision for Possible Losses - Collective 9.755 - 3.026 - 571 - - 13.352 - - 41.197 - - - - 41.197

5 Tagihan yang dihapus bukuWritten-Off Claims 357.446 - - - - - 357.446 - - - - - - -




WilayahRegion

WilayahRegion

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (12)

1 TagihanClaims 9.615.246 1.090.991 3.734.097 217.120 1.424.240 282.144 860.158 17.223.995 2.842.784 48.713 10.550.198 4.962 85.705 119.727 868.644 14.520.733

2 Tagihan yang mengalami penurunan nilai (impaired )Impaired Claims 328.379 - 6.455 - 383 - - 335.217 27.869 76 133.191 - - - - 161.137

a. Belum jatuh tempoNot Past Due Yet 17.666 - 6.455 - 383 - - 24.504 27.869 76 - - - - - 27.945


3 Cadangan kerugian penurunan nilai (CKPN) - IndividualProvision for Possible Losses – Individual 100.353 - 6.455 - 383 - - 107.191 27.869 76 76.108 - - - - 104.053

4 Cadangan kerugian penurunan nilai (CKPN) - KolektifProvision for Possible Losses - Collective 19.510 - 6.052 - 1.142 - - 26.703 - - 82.393 - - - - 82.393

5 Tagihan yang dihapus bukuWritten-Off Claims 357.446 - - - - - - 357.446 - - - - - - - -

Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara IndividualTable 2.4.a. Disclosure of Bills and Allowance By Region - Individual Bank

Tabel 2.4.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.4.b. Disclosure of Bills and Allowance By Region - Bank Consolidated with Subsidiary






WilayahRegion

WilayahRegion

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18)

1 TagihanClaims 9.701.024 1.064.642 3.488.887 214.553 1.331.886 273.255 860.158 16.934.405 2.918.598 8.173 10.294.866 (11) (156) 119.727 868.644 14.209.840

2 Tagihan yang mengalami penurunan nilai (impaired)Impaired Claims 310.713 - - - - - - 310.713 - - 133.191 - - - - 133.191

a. Belum jatuh tempoNot Past Due Yet - - - - - - - - - - - - - - - -


3 Cadangan kerugian penurunan nilai (CKPN) - Individual Provision for Possible Losses – Individual 82.687 - - - - - - 82.687 - - 76.108 - - - - 76.108

4 Cadangan kerugian penurunan nilai (CKPN) - KolektifProvision for Possible Losses - Collective 9.755 - 3.026 - 571 - - 13.352 - - 41.197 - - - - 41.197

5 Tagihan yang dihapus bukuWritten-Off Claims 357.446 - - - - - 357.446 - - - - - - -






WilayahRegion

WilayahRegion

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

JakartaJakarta

BantenBanten

Jawa BaratWest Java


Jawa TimurEast Java


Luar NegeriOverseas

TotalTotal

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (12)

1 TagihanClaims 9.615.246 1.090.991 3.734.097 217.120 1.424.240 282.144 860.158 17.223.995 2.842.784 48.713 10.550.198 4.962 85.705 119.727 868.644 14.520.733

2 Tagihan yang mengalami penurunan nilai (impaired )Impaired Claims 328.379 - 6.455 - 383 - - 335.217 27.869 76 133.191 - - - - 161.137

a. Belum jatuh tempoNot Past Due Yet 17.666 - 6.455 - 383 - - 24.504 27.869 76 - - - - - 27.945


3 Cadangan kerugian penurunan nilai (CKPN) - IndividualProvision for Possible Losses – Individual 100.353 - 6.455 - 383 - - 107.191 27.869 76 76.108 - - - - 104.053

4 Cadangan kerugian penurunan nilai (CKPN) - KolektifProvision for Possible Losses - Collective 19.510 - 6.052 - 1.142 - - 26.703 - - 82.393 - - - - 82.393

5 Tagihan yang dihapus bukuWritten-Off Claims 357.446 - - - - - - 357.446 - - - - - - - -

Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara IndividualTable 2.4.a. Disclosure of Bills and Allowance By Region - Individual Bank

Tabel 2.4.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.4.b. Disclosure of Bills and Allowance By Region - Bank Consolidated with Subsidiary



No. Sektor Ekonomi Economic Sector

TagihanClaim

Tagihan yang Mengalami Penurunan NilaiImpaired Claims Cadangan kerugian penurunan

nilai (CKPN) - IndividualProvision for Possible Losses –

Individual

Cadangan kerugian penurunan nilai (CKPN) - Kolektif

Provision for Possible Losses - Collective

Tagihan yang hapus bukuWritten-Off Claims

Belum Jatuh TempoNot Past Due Yet

Telah Jatuh TempoPast Due

(1) (2) (3) (4) (5) (6) (7) (8)



1 Pertanian, perburuan dan KehutananAgriculture, Hunting and Forestry 8.628 - - - - -

2 PerikananFisheries - - - - - -

3 Pertambangan dan PenggalianMining and Quarrying 83.334 - - - - -

4 Industri pengolahanManufacturing Industry 6.104.961 - - - 7.998 357.446

5 Listrik, Gas dan AirElectricity, Gas and Water 105.340 - - - - -

6 KonstruksiConstruction 148.416 - - - - -

7 Perdagangan besar dan eceranWholesale and Retail Trade 3.038.358 - 164.600 56.870 1.185 -

8Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers andfood and Beverage Providers

3.061 - 70.113 17.611 - -

9 Transportasi, pergudangan dan komunikasiTransportation, Storage and Communication 75.660 - - - - -

10 Perantara keuanganFinancial Brokers 3.548.587 - 76.000 8.205 4.168 -

11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services 1.404.350 - - - - -


2.283.973 - - - - -

13 Jasa pendidikanEducation Services - - - - - -

14 Jasa kesehatan dan kegiatan sosialHealth Services and Social Activities - - - - - -


- - - - - -

16 Jasa perorangan yang melayani rumah tanggaHouseholds Personal Services 2.476 - - - - -

17 Badan internasional dan badan ekstra internasional lainnyaInternational and Extra International Agencies - - - - - -

18 Kegiatan yang belum jelas batasannyaUndefined activities 71.666 - - - - -

19 Bukan Lapangan UsahaNot a Business Field - - - - - -

20 LainnyaOthers - - - - - -

Total 16.878.812 - 310.713 82.687 13.352 357.446

Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.5.a. Disclosure of Claims and Allowance by Economic Sector – Individual Bank




TagihanClaim



Individual



Tagihan yang hapus bukuWritten-Off Claims

Belum Jatuh TempoNot Past Due Yet

Telah Jatuh TempoPast Due

(1) (2) (3) (4) (5) (6) (7) (8)






4 Industri pengolahanManufacturing Industry 6.104.961 - - - 7.998 357.446



7 Perdagangan besar dan eceranWholesale and Retail Trade 3.038.358 - 164.600 56.870 1.185 -


3.061 - 70.113 17.611 - -





2.283.973 - - - - -




- - - - - -






Total 16.878.812 - 310.713 82.687 13.352 357.446

Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.5.a. Disclosure of Claims and Allowance by Economic Sector – Individual Bank





TagihanClaim

Tagihan yang Mengalami Penurunan NilaiImpaired Claims

Cadangan kerugian penurunan nilai (CKPN) - Individual

Provision for Possible Losses – Individual



Tagihan yang hapus bukuWritten-Off ClaimsBelum Jatuh Tempo

Not Past Due YetTelah Jatuh Tempo

Past Due

(1) (2) (3) (4) (5) (6) (7) (8)





3 Pertambangan dan PenggalianMining and Quarrying - - - - - -

4 Industri pengolahanManufacturing Industry 5.576.268 - - - 1.922 -



7 Perdagangan besar dan eceranWholesale and Retail Trade 2.312.666 - - - 413 -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers - - 76.040 27.692 - -


10 Perantara keuanganFinancial Brokers 2.775.491 - - - 3.733 -

11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services 1.043.553 - 57.151 48.416 35.130 -


2.151.285 - - - - -




- - - - - -



18 Kegiatan yang belum jelas batasannyaUndefined activities - - - - - -



Total 14.209.840 - 133.191 76.108 41.197 -




TagihanClaim

Tagihan yang Mengalami Penurunan NilaiImpaired Claims

Cadangan kerugian penurunan nilai (CKPN) - Individual

Provision for Possible Losses – Individual





Past Due

(1) (2) (3) (4) (5) (6) (7) (8)





3 Pertambangan dan PenggalianMining and Quarrying - - - - - -

4 Industri pengolahanManufacturing Industry 5.576.268 - - - 1.922 -



7 Perdagangan besar dan eceranWholesale and Retail Trade 2.312.666 - - - 413 -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers - - 76.040 27.692 - -



11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services 1.043.553 - 57.151 48.416 35.130 -


2.151.285 - - - - -




- - - - - -






Total 14.209.840 - 133.191 76.108 41.197 -




No. Sektor EkonomiEconomic Sector

TagihanClaim



Individual





Past Due

(1) (2) (3) (4) (5) (6) (7) (8)






4 Industri pengolahanManufacturing Industry 6.522.201 17.401 - 17.401 15.996 357.446



7 Perdagangan besar dan eceranWholesale and Retail Trade 3.092.933 383 164.600 57.253 2.371 -


21.019 - 70.113 17.611 - -

9Transportasi, pergudangan dan komunikasi/Transportation, Storage andCommunication

115.893 - - - - -




2.288.296 - - - - -



15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya/ Social Services, Socio-Cultural, Entertainment and Other Individual

- - - - - -


17 Badan internasional dan badan ekstra internasional lainnya International and Extra International Agencies - - - - - -



20 LainnyaOthers 39.530 6.720 - 6.720 - -

Total 17.179.593 24.504 310.713 107.191 26.703 357.446

Tabel 2.5.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.5.b Disclosure of Claims and Allowance by Economic Sector - Bank Consolidated with Subsidiary





TagihanClaim



Individual





Past Due

(1) (2) (3) (4) (5) (6) (7) (8)






4 Industri pengolahanManufacturing Industry 6.522.201 17.401 - 17.401 15.996 357.446



7 Perdagangan besar dan eceranWholesale and Retail Trade 3.092.933 383 164.600 57.253 2.371 -


21.019 - 70.113 17.611 - -

9Transportasi, pergudangan dan komunikasi/Transportation, Storage andCommunication

115.893 - - - - -




2.288.296 - - - - -



15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya/ Social Services, Socio-Cultural, Entertainment and Other Individual

- - - - - -


17 Badan internasional dan badan ekstra internasional lainnya International and Extra International Agencies - - - - - -



20 LainnyaOthers 39.530 6.720 - 6.720 - -

Total 17.179.593 24.504 310.713 107.191 26.703 357.446

Tabel 2.5.b. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.5.b Disclosure of Claims and Allowance by Economic Sector - Bank Consolidated with Subsidiary




TagihanClaim



Individual





Past Due

(1) (2) (3) (4) (5) (6) (7) (8)






4 Industri pengolahanManufacturing Industry 5.952.477 76 - 76 3.843 -



7 Perdagangan besar dan eceranWholesale and Retail Trade 2.392.834 211 - 211 825 -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers 20.626 - 76.040 27.692 - -

9 Transportasi, pergudangan dan komunikasiTransportation, Storage and Communication 128.621 27.233 - 27.233 - -


11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services 1.092.509 425 57.151 48.841 70.260 -


2.156.684 - - - - -




5 - - - - -





20 LainnyaOthers 10.764 - - - - -

Total 14.554.950 27.945 133.191 104.053 82.393 -




TagihanClaim



Individual





Past Due

(1) (2) (3) (4) (5) (6) (7) (8)






4 Industri pengolahanManufacturing Industry 5.952.477 76 - 76 3.843 -



7 Perdagangan besar dan eceranWholesale and Retail Trade 2.392.834 211 - 211 825 -

8 Penyediaan akomodasi dan penyediaan makan minumAccommodation Providers and food and Beverage Providers 20.626 - 76.040 27.692 - -

9 Transportasi, pergudangan dan komunikasiTransportation, Storage and Communication 128.621 27.233 - 27.233 - -


11 Real estate, usaha persewaan dan jasa perusahaanReal Estate, Rental Business, and corporate Services 1.092.509 425 57.151 48.841 70.260 -


2.156.684 - - - - -




5 - - - - -





20 LainnyaOthers 10.764 - - - - -

Total 14.554.950 27.945 133.191 104.053 82.393 -







CKPN IndividualProvision of Possible

Losses - Individual

CKPN KolektifProvision of Possible

Losses - Collective


Losses - Individual


Losses - Collective

(1) (2) (3) (4) (5) (6)

1 Saldo awal CKPNProvision of Possible Losses Beginning Balance

125.622 25.381 929 607.881

2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)Provisions (Reversal of Provisions) of Possible Losses in Current Year

302.113 36.595 124.694 (582.499)

2.a. Pembentukan CKPN pada periode berjalanProvisions of Possible Losses in Current Year

46.183 36.595 83.543 (582.499)

2.b. Pemulihan CKPN pada periode berjalanReversal of Provisions of Possible Losses in Current Year

255.930 - 41.150 -

3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalanProvisions of Possible Losses that used for Write-off in Current Year

134.729 - - -

4 CKPN yang digunakan untuk melakukan hapus buku atas transaksi penjualan kredit secara diskonProvisions of Possible Losses that used for selling loan with discount

222.718 - - -

5 Pembentukan (pemulihan) lainnya pada periode berjalanOther Provisions (Other Reversal of Provisions) in Current Year

5.000 647 - -

Saldo akhir CKPNProvision of Possible Losses Ending Balance 75.289 62.623 125.622 25.381

Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara IndividualTable 2.6.a. Disclosure of Provision of Possible Losses Mutation Details – Individual Bank




Tabel 2.6.b. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Konsolidasi dengan Perusahaan AnakTable 2.6.b. Disclosure of Provision of Possible Losses Mutation Details - Bank Consolidated with Subsidiary

No. Keterangan/ Information




Losses - Individual


Losses - Collective


Losses - Individual


Losses - Collective

(1) (2) (3) (4) (5) (6)

1 Saldo awal CKPNProvision of Possible Losses Beginning Balance

125.622 26.059 929 608.558

2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)Provisions (Reversal of Provisions) of Possible Losses in Current Year

304.882 36.389 127.462 (582.705)

2.a. Pembentukan CKPN pada periode berjalanProvisions of Possible Losses in Current Year

48.952 36.709 86.312 (582.385)

2.b. Pemulihan CKPN pada periode berjalanReversal of Provisions of Possible Losses in Current Year

255.930 (320) 41.150 (320)

3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalanProvisions of Possible Losses that used for Write-off in Current Year

134.729 - - -

4 CKPN yang digunakan dalam rangka transaksi penjualan kredit secara diskonProvisions of Possible Losses that used for selling loan with discount

222.718 - - -

5 Pembentukan (pemulihan) lainnya pada periode berjalanOther Provisions (Other Reversal of Provisions) in Current Year

5.019 648 20 1

Saldo akhir CKPNProvision of Possible Losses Ending Balance 78.077 63.096 128.411 25.854







Lembaga PemeringkatRating Agencies

Tagihan BersihNet Claim

Peringkat Jangka panjangLong Term Rating

Peringkat Jangka PendekLong Term Rating

Tanpa PeringkatNon rated

Total

Standard and Poor's AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB- B+ s.d B- Kurang dari B- A-1 A-2 A-3 Kurang dari A-3Less than A-3

Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB- B+ s.d B- Kurang dari B- F1+ s.d F1 F2 F3 Kurang dari F3Less than F3

Moody's Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3 B1 s.d B3 Kurang dari B3 P-1 P-2 P-3 Kurang dari P-3Less than P-3

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

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

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

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

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

Kurang dari B-(idn)

F1+(idn) s.d F1(idn) F2(idn) F3(idn)

Kurang dari F3(idn)

Less than F3(idn)

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

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

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

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

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

Kurang dari [Idr]B-

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


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

Kurang dari [Idr]A3

Less than [Idr]A3

PT Pemeringkat Efek Indonesia idAAA idAA+ s.d idAA- idA+ s.d id A- id BBB+ s.d id BBB-

id BB+ s.d id BB- id B+ s.d id B- Kurang dari

idB- idA1 idA2 idA3 s.d id A4Kurang dari

idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)

1 Tagihan Kepada PemerintahClaim to The Government - - - - - - - - - - - - -

2 Tagihan Kepada Entitas Sektor PublikClaim to Public Sector Entities - - - - - - - - - - - - -


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

4 Tagihan Kepada BankClaim to The Bank - 402.035 670.759 481.310 - - - - - - - 356.861 1.910.966

5 Kredit Beragun Rumah TinggalResidential Mortgage Loans

6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans

7 Kredit Pegawai/PensiunanRetired Employee Credit

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Smalldan Retail Portfolio

9 Tagihan kepada KorporasiClaim to Corporate - - 144.593 - - - - - - - - 12.492.576 12.637.169

10 Tagihan yang Telah Jatuh TempoClaim on past due

11 Aset LainnyaOthers Asset

12 Eksposur di Unit Usaha Syariah (apabila ada)Exposure in Units of Sharia (when available) - - - - - - - - - - - - -

Total - 402.035 815.353 481.310 - - - - - - - 12.849.437 14.548.135

Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara IndividualTable 3.1.a. Disclosure of Net Claims by Portfolio Category and Rating Scale - Individual Bank











Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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





8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Smalldan Retail Portfolio





Total - 402.035 815.353 481.310 - - - - - - - 12.849.437 14.548.135

dalam jutaan Rupiah/in million RupiahTabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara IndividualTable 3.1.a. Disclosure of Net Claims by Portfolio Category and Rating Scale - Individual Bank











Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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

4 Tagihan Kepada BankClaim to The Bank 17 336.904 920.245 101.551 - - - - - - - 24.926 1.377.526





9 Tagihan kepada KorporasiClaim to Corporate - - - - - - - - - - - 10.285.970 9.517.533




TOTAL 17 336.904 920.245 101.551 - - - - - - - 10.310.896 10.895.059











Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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










TOTAL 17 336.904 920.245 101.551 - - - - - - - 10.310.896 10.895.059












Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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










TOTAL - 402.035 815.353 481.310 - - - - - - - 13.109.244 14.807.941

Tabel 3.1.b. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Konsolidasi denganPerusahaan AnakTable 3.1.b Disclosure of Net Claims by Portfolio Category and Rating Scale - Bank Consolidated with Subsidiary











Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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










TOTAL - 402.035 815.353 481.310 - - - - - - - 13.109.244 14.807.941

Tabel 3.1.b. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Konsolidasi denganPerusahaan AnakTable 3.1.b Disclosure of Net Claims by Portfolio Category and Rating Scale - Bank Consolidated with Subsidiary dalam jutaan Rupiah/in million Rupiah










Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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










TOTAL 17 336.904 920.245 101.551 - - - - - - - 10.625.435 11.984.152










Total








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

Kurang dari B-(idn)


Kurang dari F3(idn)

Less than F3(idn)


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



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

Kurang dari [Idr]B-




Kurang dari [Idr]A3

Less than [Idr]A3




idA4Less than idA4

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)




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










TOTAL 17 336.904 920.245 101.551 - - - - - - - 10.625.435 11.984.152




No Variabel yang MendasariUnderlying Variables



Notional Amount

Tagihan Derivatif

DerivativeClaim

Kewajiban Derivatif

DerivativeLiabilties

Tagihan Bersih sebelum MRK

Net Claimbefore CRM

MRKCRM

Tagihan Bersih setelah MRK

Net Claimafter CRM

Notional Amount

Tagihan Derivatif

DerivativeClaim

Kewajiban Derivatif/ DerivativeLiabilties


Net Claimbefore CRM

MRKCRM


Net Claimafter CRM< 1 Tahun

< 1 Year

> 1 Tahun - < 5 Tahun

> 1 Year - < 5 Years

> 5 Tahun> 5 Years

< 1 Tahun< 1 Year



> 5 Tahun> 5 Years

BANK SECARA INDIVIDUALINDIVIDUAL BANK

1 Suku BungaInterest Rate - - - - - - - - - - - - - - - -

2 Nilai TukarExchange Rate 1.094.211 - - 5.157 (3.156) 16.099 - 16.099 1.049.602 - - 4.514 (3.157) 15.010 - 15.010

3 Lainnya - - - - - - - - - - - - - - - -

TOTAL 1.094.211 - - 5.157 (3.156) 16.099 - 16.099 1.049.602 - - 4.514 (3.157) 15.010 - 15.010

BANK SECARA KONSOLIDASICONSOLIDATED BANK


2 Nilai TukarExchange Rate 1.012.681 - - 5.157 (3.156) 15.063 - 15.063 968.072 - - 4.514 (3.157) 15.063 - 15.063

3 SahamShares - - - - - - - - - - - - - - - -

4 EmasGold - - - - - - - - - - - - - - - -

5 Logam selain EmasMetal Except Gold - - - - - - - - - - - - - - - -

6 LainnyaOthers - - - - - - - - - - - - - - - -

TOTAL 1.012.681 - - 5.157 (3.156) 15.063 - 15.063 968.072 - - 4.514 (3.157) 15.063 - 15.063

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

Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara IndividualTable 3.2.b.1 Disclosure of Counterparty Credit Risk: Repo Transaction - Individual Bank

Tabel 3.2.b.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Konsolidasi dengan Perusahaan AnakTable 3.2.b.2. Disclosure of Counterparty Credit Risk: Repo Transaction - Bank Consolidated with Subsidiary

Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara IndividualTable 3.2.c.1 Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - individual Bank

Tabel 3.2.c.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Perusahaan AnakTable 3.2.c.2 Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi RepoBank has no exposure of Repo Transaction

Bank tidak memiliki eksposur Transaksi repo secara Konsolidasi dengan perusahaan AnakBank has no exposure of Repo Transaction in Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi Reverse RepoBank has no exposure of Reverse Repo Transaction

Bank tidak memiliki eksposur Transaksi Reverse Repo secara Konsolidasi dengan perusahaan AnakBank has no exposure of Reverse Repo Transaction in Consolidated with Subsidiary



No Variabel yang MendasariUnderlying Variables



Notional Amount

Tagihan Derivatif

DerivativeClaim

Kewajiban Derivatif

DerivativeLiabilties


Net Claimbefore CRM

MRKCRM


Net Claimafter CRM

Notional Amount

Tagihan Derivatif

DerivativeClaim

Kewajiban Derivatif/ DerivativeLiabilties


Net Claimbefore CRM

MRKCRM


Net Claimafter CRM< 1 Tahun

< 1 Year



> 5 Tahun> 5 Years

< 1 Tahun< 1 Year



> 5 Tahun> 5 Years

BANK SECARA INDIVIDUALINDIVIDUAL BANK


2 Nilai TukarExchange Rate 1.094.211 - - 5.157 (3.156) 16.099 - 16.099 1.049.602 - - 4.514 (3.157) 15.010 - 15.010

3 Lainnya - - - - - - - - - - - - - - - -

TOTAL 1.094.211 - - 5.157 (3.156) 16.099 - 16.099 1.049.602 - - 4.514 (3.157) 15.010 - 15.010

BANK SECARA KONSOLIDASICONSOLIDATED BANK


2 Nilai TukarExchange Rate 1.012.681 - - 5.157 (3.156) 15.063 - 15.063 968.072 - - 4.514 (3.157) 15.063 - 15.063

3 SahamShares - - - - - - - - - - - - - - - -

4 EmasGold - - - - - - - - - - - - - - - -

5 Logam selain EmasMetal Except Gold - - - - - - - - - - - - - - - -

6 LainnyaOthers - - - - - - - - - - - - - - - -

TOTAL 1.012.681 - - 5.157 (3.156) 15.063 - 15.063 968.072 - - 4.514 (3.157) 15.063 - 15.063

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

Tabel 3.2.b.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara IndividualTable 3.2.b.1 Disclosure of Counterparty Credit Risk: Repo Transaction - Individual Bank

Tabel 3.2.b.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo - Bank secara Konsolidasi dengan Perusahaan AnakTable 3.2.b.2. Disclosure of Counterparty Credit Risk: Repo Transaction - Bank Consolidated with Subsidiary

Tabel 3.2.c.1. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara IndividualTable 3.2.c.1 Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - individual Bank

Tabel 3.2.c.2. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Konsolidasi dengan Perusahaan AnakTable 3.2.c.2 Disclosure of Counterparty Credit Risk: Reverse Repo Transactions - Bank Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi RepoBank has no exposure of Repo Transaction

Bank tidak memiliki eksposur Transaksi repo secara Konsolidasi dengan perusahaan AnakBank has no exposure of Repo Transaction in Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi Reverse RepoBank has no exposure of Reverse Repo Transaction

Bank tidak memiliki eksposur Transaksi Reverse Repo secara Konsolidasi dengan perusahaan AnakBank has no exposure of Reverse Repo Transaction in Consolidated with Subsidiary






ATMRRWA

Beban ModalCapital Charge


ATMRRWA


Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko KreditNet Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation


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

Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)

A Eksposur NeracaExposure on Balance Sheet

1Tagihan Kepada PemerintahClaim to The Government

2.323.265 - - - - - - - - - - 2.151.285 - - - - - - - - - -

2Tagihan Kepada Entitas Sektor PublikClaim to Public Sector Entities

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

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claim to The Multilateral Development Banks and International Institutions

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

4 Tagihan Kepada BankClaim to The Bank - 1.221.048 - - - 682.019 - - - 585.219 46.818 - 1.353.533 - - - 21.820 - - - 281.617 22.529

5Kredit Beragun Rumah TinggalResidential Mortgage Loans

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

6Kredit Beragun Properti KomersialCommercial Property Mortgage Loans

- - - - - - - 267.559 - 267.559 21.405 - - - - - - - 263.831 - 263.831 21.106

7Kredit Pegawai/PensiunanRetired Employee Credit

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

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Small and Retail Portfolio

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

9Tagihan kepada KorporasiClaim to Corporate

- - - - - 71.093 - 12.140.490 - 11.378.987 910.319 412.819 34.564 - - - 360.535 - 9.077.848 - 9.548.312 763.865

10Tagihan yang Telah Jatuh TempoClaim on past due

- - - - - - - - 228.026 342.040 27.363 - - - - - - - - 57.084 85.625 6.850

11 Aset LainnyaOthers Asset 17.533 - - - - - - 252.191 - 252.191 20.175 - - - - - - - 208.222 - 186.138 14.891

12Eksposur di Unit Usaha Syariah (apabila ada)Exposure in Units of Sharia (when available)

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

Total Eksposur NeracaTotal Exposure on Balance Sheet

2.340.798 1.221.048 - - - 753.112 - 12.660.240 228.026 - 12.825.995 1.026.080 2.564.104 1.388.097 - - - 382.356 - 9.549.901 57.084 - 10.365.522 829.242

Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko KreditBank secara IndividualTable 4.1.a. Disclosure of Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation - Individual Bank





ATMRRWA



ATMRRWA




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

Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)


1Tagihan Kepada PemerintahClaim to The Government

2.323.265 - - - - - - - - - - 2.151.285 - - - - - - - - - -


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

3


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



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


- - - - - - - 267.559 - 267.559 21.405 - - - - - - - 263.831 - 263.831 21.106


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

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Small and Retail Portfolio

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


- - - - - 71.093 - 12.140.490 - 11.378.987 910.319 412.819 34.564 - - - 360.535 - 9.077.848 - 9.548.312 763.865


- - - - - - - - 228.026 342.040 27.363 - - - - - - - - 57.084 85.625 6.850



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

Total Eksposur NeracaTotal Exposure on Balance Sheet

2.340.798 1.221.048 - - - 753.112 - 12.660.240 228.026 - 12.825.995 1.026.080 2.564.104 1.388.097 - - - 382.356 - 9.549.901 57.084 - 10.365.522 829.242

Tabel 4.1.a. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko KreditBank secara IndividualTable 4.1.a. Disclosure of Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation - Individual Bank dalam jutaan Rupiah/in million Rupiah





ATMRRWA



ATMRRWA




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

Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)

B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening AdministratifExposure on Commitments/ Contingencies for off Balance Sheet Transactions

1Tagihan Kepada PemerintahClaim to TheGovernment

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


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

3


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

4 Tagihan Kepada BankClaim to The Bank - - - - - - - - - - - - - - - - - - - - - -


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


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

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - - - - - - - - - - - - - - - - - -

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio RitelClaim to Micro, Smalland Retail Portfolio

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

9 Tagihan kepada KorporasiClaim to Corporate - - - - - - - 277.543 - 262.606 21.008 - - - - - - - 147.336 - 111.534 8.923


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

11Eksposur di Unit Usaha Syariah (apabila ada)/ Exposure in Units of Sharia (when available)

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

Total Eksposur TRATotal Exposure on OffBalance Transactions

- - - - - - - 277.543 - - 262.606 21.008 - - - - - - - 147.336 - - 111.534 8.923





ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)



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


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

3


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

4 Tagihan Kepada BankClaim to The Bank - - - - - - - - - - - - - - - - - - - - - -


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


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

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - - - - - - - - - - - - - - - - - -

8


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

9 Tagihan kepada KorporasiClaim to Corporate - - - - - - - 277.543 - 262.606 21.008 - - - - - - - 147.336 - 111.534 8.923


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


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

Total Eksposur TRATotal Exposure on OffBalance Transactions

- - - - - - - 277.543 - - 262.606 21.008 - - - - - - - 147.336 - - 111.534 8.923






ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)

C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit RiskExposure on Counterparty Credit Risk


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


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

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaim to The Multilateral Development Banks and International Institutions

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

4 Tagihan Kepada BankClaim to The Bank - 6.851 - - - 9.942 - - - 6.399 512 - 2.759 - - - 5.532 - - - 3.193 255

5


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


- - - - - - - 20.590 - 20.590 1.647 - - - - - - - 6.720 - 6.720 538


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

Total Eksposur Counterparty Credit RiskTotal Exposure on Counterparty Credit Risk

- 6.851 - - - 9.942 - 20.590 - - 26.989 2.159 - 2.759 - - - 5.532 - 6.720 - - 9.913 793





ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)

C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit RiskExposure on Counterparty Credit Risk


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


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

3


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

4 Tagihan Kepada BankClaim to The Bank - 6.851 - - - 9.942 - - - 6.399 512 - 2.759 - - - 5.532 - - - 3.193 255

5


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


- - - - - - - 20.590 - 20.590 1.647 - - - - - - - 6.720 - 6.720 538


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


- 6.851 - - - 9.942 - 20.590 - - 26.989 2.159 - 2.759 - - - 5.532 - 6.720 - - 9.913 793






ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)



2.323.265 - - - - - - - - - - 2.151.285 - - - - - - - - - -


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

3


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



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


- - - - - - - 267.559 - 267.559 21.405 - - - - - - - 263.831 - 263.831 21.106


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

8


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


- - - - - 71.093 - 12.410.555 - 11.649.052 931.924 412.819 34.564 - - - 360.535 - 9.392.387 - 9.862.850 813.028


- - - - - - - - 228.026 342.039 27.363 - - - - - - - - 57.084 85.625 6.850



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

Total Eksposur Neraca Total Exposure onBalance Sheet

2.340.805 1.221.048 - - - 753.112 - 12.962.516 228.026 - 13.128.271 1.050.262 2.564.104 1.388.097 - - - 382.356 - 9.873.724 57.084 - 10.689.345 879.174

Tabel 4.1.b. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak MitigasiRisiko Kredit - Bank secara Konsolidasi dengan Perusahaan AnakTable 4.1.b. Disclosure Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation - Bank Consolidated with Subsidiary





ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)



2.323.265 - - - - - - - - - - 2.151.285 - - - - - - - - - -


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

3


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



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


- - - - - - - 267.559 - 267.559 21.405 - - - - - - - 263.831 - 263.831 21.106


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

8


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


- - - - - 71.093 - 12.410.555 - 11.649.052 931.924 412.819 34.564 - - - 360.535 - 9.392.387 - 9.862.850 813.028


- - - - - - - - 228.026 342.039 27.363 - - - - - - - - 57.084 85.625 6.850



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

Total Eksposur Neraca Total Exposure onBalance Sheet

2.340.805 1.221.048 - - - 753.112 - 12.962.516 228.026 - 13.128.271 1.050.262 2.564.104 1.388.097 - - - 382.356 - 9.873.724 57.084 - 10.689.345 879.174






ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)


1Tagihan Kepada Pemerintah/ Claim to TheGovernment

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

2Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities

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

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions

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

4 Tagihan Kepada Bank/ Claim to The Bank - - - - - - - - - - - - - - - - - - - - - -

5Kredit Beragun Rumah Tinggal/ Residential Mortgage Loans

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

6Kredit Beragun Properti Komersial/ Commercial Property Mortgage Loans

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

7Kredit Pegawai/Pensiunan/ Retired Employee Credit

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

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Smalland Retail Portfolio

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

9Tagihan kepada Korporasi/ Claim to Corporate

- - - - - - - 277.543 - 262.605 21.008 - - - - - - - 147.336 - 111.534 8.923

10Tagihan yang Telah Jatuh Tempo/ Claim on past due

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


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

Total Eksposur TRA/ Total Exposure on OffBalance Transactions

- - - - - - - 277.543 - - 262.605 21.008 - - - - - - - 147.336 - - 111.534 8.923





ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)



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


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

3


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

4 Tagihan Kepada Bank/ Claim to The Bank - - - - - - - - - - - - - - - - - - - - - -

5Kredit Beragun Rumah Tinggal/ Residential Mortgage Loans

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

6Kredit Beragun Properti Komersial/ Commercial Property Mortgage Loans

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

7Kredit Pegawai/Pensiunan/ Retired Employee Credit

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

8


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


- - - - - - - 277.543 - 262.605 21.008 - - - - - - - 147.336 - 111.534 8.923

10Tagihan yang Telah Jatuh Tempo/ Claim on past due

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


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

Total Eksposur TRA/ Total Exposure on OffBalance Transactions

- - - - - - - 277.543 - - 262.605 21.008 - - - - - - - 147.336 - - 111.534 8.923






ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)

C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)Exposure on Counterparty Credit Risk


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


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

3


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

4 Tagihan Kepada Bank/ Claim to The Bank - 7.141 - - - 9.942 - - - 6.399 512 - 2.759 - - - 5.532 - - - 3.193 255

5


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


- - - - - - - 20.590 - 20.590 1.647 - - - - - - - 6.720 - 6.310 538


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

Total Eksposur Counterparty Credit Risk/ Total Exposure on Counterparty Credit Risk

- 7.141 - - - 9.942 - 20.590 - - 26.989 2.159 - 2.759 - - - 5.532 - 6.720 - - 9.503 793





ATMRRWA



ATMRRWA





Others

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16) (17) (18) (19) (20) (21) (22) (23) (24) (25) (26)



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


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

3


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

4 Tagihan Kepada Bank/ Claim to The Bank - 7.141 - - - 9.942 - - - 6.399 512 - 2.759 - - - 5.532 - - - 3.193 255

5


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


- - - - - - - 20.590 - 20.590 1.647 - - - - - - - 6.720 - 6.310 538


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

Total Eksposur Counterparty Credit Risk/ Total Exposure on Counterparty Credit Risk

- 7.141 - - - 9.942 - 20.590 - - 26.989 2.159 - 2.759 - - - 5.532 - 6.720 - - 9.503 793







Tagihan BersihNet Claims

Bagian Yang Dijamin DenganPortion which Secured by Bagian Yang Tidak

DijaminPortion which not

Secured


Bagian Yang Dijamin DenganPortion which Secured by

Bagian Yang Tidak DijaminPortion which not SecuredAgunan

CollateralGaransi

GuaranteeAsuransi KreditCredit Insurance

LainnyaOthers

AgunanCollateral

GaransiGuarantee

Asuransi KreditCredit Insurance

LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


1 Tagihan Kepada PemerintahClaim to The Government 2.283.973 - - - 2.283.973 2.151.136 - - - 2.151.136


- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to the Bank 1.903.067 - - - 1.903.067 1.375.353 - - - 1.375.353

5 Kredit Beragun Rumah TinggalResidential Mortgage Loans - - - - - - - - - -


267.559 - - - 267.559 263.831 - - - 263.831

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - - - - - -


- - - - - - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 12.195.797 - - - 12.195.797 10.169.050 412.819 - - 9.756.231

10 Tagihan yang Telah Jatuh TempoClaim on past due 228.026 - - - 228.026 57.084 - - - 57.084

11 Aset LainnyaOthers Asset 269.724 - - - 269.724 208.222 - - - 208.222


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

Total Eksposur NeracaTotal Exposure on Balance Sheet 17.148.147 - - - - 17.148.147 14.224.675 412.819 - - - 13.811.856


1 Tagihan Kepada PemerintahClaim to the Government - - - - - - - - - -


- - - - - - - - - -

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaim to the Multilateral Development Banks and International Institutions

- - - - - - - - - -

4 Tagihan Kepada BankClaim to the Bank - - - - - - - - - -

Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara IndividualTable 4.2.a Disclosure of Net Claims and Credit Risk Mitigation Techniques - Individual Bank









Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


1 Tagihan Kepada PemerintahClaim to The Government 2.283.973 - - - 2.283.973 2.151.136 - - - 2.151.136


- - - - - - - - - -

3


- - - - - - - - - -




267.559 - - - 267.559 263.831 - - - 263.831



- - - - - - - - - -





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





- - - - - - - - - -

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga InternasionalClaim to the Multilateral Development Banks and International Institutions

- - - - - - - - - -

4 Tagihan Kepada BankClaim to the Bank - - - - - - - - - -










Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]



- - - - - - - - - -



- - - - - - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 433.171 - - - 433.171 147.336 - - - 147.336

10 Tagihan yang Telah Jatuh TempoClaim on past due - - - - - - - - - -


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

Total Eksposur TRATotal Exposure on Off Balance Transactions

433.171 - - - - 433.171 147.336 - - - - 147.336




- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to the Bank 7.899 - - - 7.899 8.290 - - - 8.290


- - - - - - - - - -



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


16.099 - - - - 16.099 15.010 - - - - 15.010









Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]



- - - - - - - - - -



- - - - - - - - - -




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


433.171 - - - - 433.171 147.336 - - - - 147.336




- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to the Bank 7.899 - - - 7.899 8.290 - - - 8.290


- - - - - - - - - -



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


16.099 - - - - 16.099 15.010 - - - - 15.010




No.



Kategori PortofolioPortfolio Categories




Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


1 Tagihan Kepada PemerintahClaim to the Government 2.283.973 - - - 2.283.973 2.151.136 - - - 2.151.136


- - - - - - - - - -

3


- - - - - - - - - -




267.559 - - - 267.559 263.831 - - - 263.831



- - - - - - - - - -





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



1 Tagihan Kepada PemerintahClaim to The Government - - - - - - - - - -


- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to The Bank - - - - - - - - - -



- - - - - - - - - -


Tabel 4.2.b. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi dengan Perusahaan AnakTable 4.2.b Disclosure of Net Claims and Credit Risk Mitigation Techniques - Bank Consolidated with Subsidiary



No.







Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


1 Tagihan Kepada PemerintahClaim to the Government 2.283.973 - - - 2.283.973 2.151.136 - - - 2.151.136


- - - - - - - - - -

3


- - - - - - - - - -




267.559 - - - 267.559 263.831 - - - 263.831



- - - - - - - - - -





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



1 Tagihan Kepada PemerintahClaim to The Government - - - - - - - - - -


- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to The Bank - - - - - - - - - -



- - - - - - - - - -





No.







Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


- - - - - - - - - -




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


433.171 - - - - 433.171 147.336 - - - - 147.336




- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to The Bank 7.899 - - - 7.899 8.290 - - - 8.290


- - - - - - - - - -



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


16.099 - - - - 16.099 15.010 - - - - 15.010

Tabel 5.1.a. Pengungkapan Transaksi Sekuritisasi - Bank secara IndividualTable 5.1.a Disclosure of Securitization Transactions - Individual Bank

Tabel 5.1.b. Pengungkapan Transaksi Sekuritisasi - Bank secara Konsolidasi dengan Perusahaan AnakTable 5.1.b Disclosure of Securitization Transactions - Bank Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi SekuritisasiBank has no exposure on Securitization Transaction

Bank tidak memiliki eksposur Transaksi Sekuritisasi secara Konsolidasi dengan perusahaan AnakBank has no exposure on Securitization Transaction as a Consolidated with Subsidiary



No.







Secured




CollateralGaransi


LainnyaOthers

AgunanCollateral

GaransiGuarantee


LainnyaOthers

(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)] (9) (10) (11) (12) (13) (8)=(3)-[(4)+(5)+(6)+(7)]


- - - - - - - - - -




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


433.171 - - - - 433.171 147.336 - - - - 147.336




- - - - - - - - - -

3


- - - - - - - - - -

4 Tagihan Kepada BankClaim to The Bank 7.899 - - - 7.899 8.290 - - - 8.290


- - - - - - - - - -



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


16.099 - - - - 16.099 15.010 - - - - 15.010

Tabel 5.1.a. Pengungkapan Transaksi Sekuritisasi - Bank secara IndividualTable 5.1.a Disclosure of Securitization Transactions - Individual Bank

Tabel 5.2.a. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal - Bank secara IndividualTable 5.2.a Disclosure of Summary Securitization Transaction Activity Bank as Creditor – Individual Bank

Tabel 5.2.b. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal - Bank secara Konsolidasi dengan Perusahaan AnakTable 5.2.b Disclosure of Summary Securitization Transaction Activity Bank as Creditor Bank Consolidated with Subsidiary

Tabel 5.1.b. Pengungkapan Transaksi Sekuritisasi - Bank secara Konsolidasi dengan Perusahaan AnakTable 5.1.b Disclosure of Securitization Transactions - Bank Consolidated with Subsidiary

Bank tidak memiliki eksposur Transaksi SekuritisasiBank has no exposure on Securitization Transaction

Bank tidak memiliki eksposur Transaksi Sekuritisasi Bank bertindak sebagai Kreditur AsalBank has no exposure on Securitization Transaction Bank act as a Creditor

Bank tidak memiliki eksposur Transaksi Sekuritisasi secara Konsolidasi dengan perusahaan AnakBank has no exposure on Securitization Transaction as a Consolidated with Subsidiary Bank tidak memiliki eksposur Transaksi Sekuritisasi Bank bertindak sebagai Kreditur Asal secara Konsolidasi dengan perusahaan Anak

Bank has no exposure on Securitization Transaction Bank act as a Creditor as Consolidated with Subsidiary




No Kategori PortofolioPortfolio Categories



Tagihan BersihClaim Net

ATMR Sebelum MRK

RWA before CRM

ATMR Setelah MRK

RWA after CRMTagihan Bersih

Claim NetATMR Sebelum

MRKRWA before CRM

ATMR Setelah MRK

RWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada PemerintahClaim to The Government 2.323.265 - - 2.153.647 - -

2 Tagihan Kepada Entitas Sektor PublikClaim to Public Sector Entities - - - - - -


- - - - - -

4 Tagihan Kepada BankClaim to The Bank 1.903.067 585.219 585.219 1.375.353 281.617 281.617

5 Kredit Beragun Rumah TinggalResidential Mortgage Loans - - - - - -

6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans 267.559 267.559 267.559 263.831 263.831 263.831

7 Kredit Pegawai/PensiunanRetired Employee Credit - - - - - -


- - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 12.211.583 12.176.036 11.378.987 10.169.050 10.169.050 9.518.279

10 Tagihan yang Telah Jatuh TempoClaim on past due 228.026 342.040 342.040 57.084 85.625 85.625

11 Aset LainnyaOthers Asset 269.724 252.191 225.952 204.807

TOTAL 17.203.224 13.370.854 12.825.995 14.244.916 10.800.122 10.354.159

Tabel 6.1.1. Pengungkapan Eksposur Aset di NeracaTable 6.1.1 Disclosure of Assets Exposures in Balance Sheet

Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening AdministratifTable 6.1.2 Disclosure of Commitments/Contingent Exposure on Balance Sheet





ATMR Sebelum MRK

RWA before CRM

ATMR Setelah MRK



MRKRWA before CRM

ATMR Setelah MRK

RWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada PemerintahClaim to the Government - - - - - -



- - - - - -

4 Tagihan Kepada BankClaim to the Bank - - - - - -


6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans - - - - - -



- - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 277.543 277.543 262.606 147.336 147.336 111.534

10 Tagihan yang Telah Jatuh TempoClaim on Past Due - - - - - -

TOTAL 277.543 277.543 262.606 147.336 147.336 111.534





Tabel 6.1.3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)Table 6.1.3 Disclosure of Potential Credit Risk Exposure due to Failure of Competitor (Counterparty Credit Risk)





ATMR Sebelum MRK

RWA before CRMATMR Setelah MRK



MRKRWA before CRM

ATMR Setelah MRKRWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada PemerintahClaim to the Government - - - - - -



- - - - - -

4 Tagihan Kepada BankClaim to The Bank 17.083 6.399 6.399 8.290 3.193 3.193


- - - - - -


TOTAL 37.674 26.989 26.989 15.010 9.913 9.913

Tabel 6.1.4. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk)Table 6.1.4 Disclosure of Potential Credit Risk Exposure due to Failure of Settlement (Settlement Risk)

Tabel 6.1.6. Pengungkapan Eksposur di Unit Usaha Syariah (apabila ada)Table 6.1.6 Disclosure of Exposures in Sharia Business Unit (if any)

Tabel 6.1.7. Pengungkapan Total Pengukuran Risiko KreditTable 6.1.7 Disclosure of Total Credit Risk Measurement

Tabel 6.1.5. Pengungkapan Eksposur SekuritisasiTable 6.1.5 Disclosure of Securitization Exposures

Bank tidak memiliki eksposur yang menimbulkan Risiko Kredit akibat kegagalan setelmenBank has no exposure of potential Credit Risk due to failure of settlement

Bank tidak memiliki eksposur di Unit Usaha SyariahBank has no exposure on Units of Sharia

Bank tidak memiliki eksposur yang sekuritisasiBank has no exposure on Securitization



Total ATMR Risiko KreditTotal of Risk Weighted Assets Credit Risk 13.115.591 10.475.606

Total Faktor Pengurang ModalTotal of Deduction From Capital Factor - -









ATMR Sebelum MRK

RWA before CRM

ATMR Setelah MRK



MRKRWA before CRM

ATMR Setelah MRK

RWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada Pemerintah Claim to the Government 2.323.265 - - 2.153.648 - -



- - - - - -

4 Tagihan Kepada BankClaim to The Bank 1.903.067 585.219 585.219 1.375.354 281.617 281.617


6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans 267.559 267.559 267.559 263.831 263.831 263.831



- - - - - -

9 Tagihan kepada KorporasiClaim to Corporate 12.481.648 12.446.102 11.649.052 10.704.875 10.704.876 10.054.106

10 Tagihan yang Telah Jatuh TempoClaim on past due 228.026 342.039 342.039 57.083 85.625 85.625

11 Aset LainnyaOthers Asset 301.942 284.402 235.235 214.086

TOTAL 17.505.507 13.640.919 13.128.271 14.790.026 11.335.948 10.899.264

Tabel 6.2.1. Pengungkapan Eksposur Aset di Neraca Secara KonsolidasiTable 6.2.1 Disclosure of Assets Exposures in the Consolidated Balance Sheet

Tabel 6.2.2. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Secara KonsolidasiTable 6.2.2. Disclosure of Commitments/Contingent Exposure in the Consolidated Balance Sheet







ATMR Sebelum MRK

RWA before CRM

ATMR Setelah MRK



MRKRWA before CRM

ATMR Setelah MRK

RWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada Pemerintah Claim to the Government - - - - - -



- - - - - -

4 Tagihan Kepada BankClaim to The Bank - - - - - -


6 Kredit Beragun Properti KomersialCommercial Property Mortgage Loans - - - - - -



- - - - - -


10 Tagihan yang Telah Jatuh TempoClaim on past due - - - - - -

TOTAL 277.544 277.543 262.605 147.336 147.336 111.534



Tabel 6.2.3. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Secara KonsolidasiDisclosure of Potential Credit Risk Exposure due to Failure of Competitor (Counterparty Credit Risk) consolidated dalam jutaan Rupiah/in million Rupiah






ATMR Sebelum MRK

RWA before CRMATMR Setelah MRK



MRKRWA before CRM

ATMR Setelah MRKRWA after CRM

(1) (2) (3) (4) (5) (6) (7) (8)

1 Tagihan Kepada Pemerintah Claim to the Government - - - - - -



- - - - - -

4 Tagihan Kepada BankClaim to The Bank 17.083 6.399 6.399 8.290 3.193 3.193


- - - - - -


TOTAL 37.674 26.989 26.989 15.011 9.913 9.913

Tabel 6.2.4. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (Settlement Risk) Secara KonsolidasiTable 6.2.4. Disclosure of Potential Credit Risk Exposure due to Failure of Settlement (Settlement Risk) Consolidated

Tabel 6.2.6. Pengungkapan Eksposur di Unit Usaha Syariah dan/atau Perusahaan Anak yang Melakukan Kegiatan Usaha Berdasarkan Prinsip Syariah (apabila ada) Secara KonsolidasiTable 6.2.6. Disclosure of Exposures in Sharia Business Unit and/or its Subsidiaries Based on Sharia Business Principles (if any) Consolidated

Tabel 6.2.5. Pengungkapan Eksposur Sekuritisasi Secara KonsolidasiTable 6.2.5. Disclosure of Securitization Exposures Consolidated

Tabel 6.2.7. Pengungkapan Total Pengukuran Risiko Kredit Secara KonsolidasiTable 6.2.7. Disclosure of Total Credit Risk Measurement Consolidated

Bank tidak memiliki eksposur yang menimbulkan Risiko Kredit akibat kegagalan setelmen secara Konsolidasi dengan perusahaan AnakBank has no exposure of Potential Credit Risk due to failure of settlement as Consolidated with Subsidiary

Bank tidak memiliki eksposur sekuritisasi secara Konsolidasi dengan perusahaan AnakBank has no exposure on Securitization as Consolidated with Subsidiary

Bank tidak memiliki eksposur di Unit Usaha Syariah dan/ atau Perusahaan Anak yang Melakukan Kegiatan Usaha Berdasarkan Prinsip SyariahBank has no exposure in Sharia Business Unit and/or its Subsidiary based on Sharia Business Principles



Total ATMR Risiko KreditTotal of Risk Weighted Assets Credit Risk 13.417.866 11.020.711

Total Faktor Pengurang ModalTotal of Deduction From Capital Factor - -



Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode StandarTable 7.1. Market Risk Disclosure Based on Standards Method

Tabel 7.2.a Pengungkapan Risiko Pasar Dengan Menggunakan Model Internal (Value at Risk/VaR) - Bank secara IndividualTable 7.2.a. Disclosure of Market Risk Based on Internal Model (Value at Risk / VaR) – Individual Bank



No. Jenis RisikoRisk Types



BankBank

KonsolidasiConsolidated

BankBank



ATMRRWA


ATMRRWA


ATMRRWA


ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 Risiko Suku BungaInterest Rate Risk 1.184 14.796 1.116 13.955 276 3.449 276 3.449

a. Risiko SpesifikSpecific Risk - - - - - - - -

b. Risiko UmumGeneral Risk 1.184 14.796 1.116 13.955 276 3.449 276 3.449

2 Risiko Nilai TukarExchange Rate Risk 1.171 14.632 1.045 13.067 416 5.201 445 5.569

3 Risiko Ekuitas *)Equity Risk *)

4 Risiko Komoditas *)Commodity Risk *)

5 Risiko OptionOption Risk - - - - - - - -

Total 2.354 29.428 2.162 27.022 692 8.650 721 9.018

*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud*) For bank's that have subsidiaries which have a risk exposure referred

No Jenis RisikoRisk Type



VaR Rata-RataAverage VaR

VaR MaksimumMaximum VaR

VaR MinimumMinimum VaR

VaR Akhir PeriodeEnd of Period VaR





(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 Risiko Suku BungaInterest Rate Risk 124 351 24 240 334 707 83 166

2 Risiko Nilai TukarExchange Rate Risk 572 2.665 53 350 6.304 11.133 232 4.136

3 Risiko OptionOption Risk

Total 696 3.016 78 589 6.638 11.840 314 4.302

Tabel 7.2.b Pengungkapan Risiko Pasar dengan Menggunakan Model Internal (Value at Risk/VaR) - Bank secara Konsolidasi dengan Perusahaan AnakTable 7.2.b. Disclosure of Market Risk Based on Internal Model (Value at Risk/VaR) – Bank Consolidated with SubsidiariesBank tidak menggunakan Model Internal untuk menghitung VaR secara Konsolidasi dengan perusahaan anak dikarenakan exposure risiko pasar dari perusahaan anak dianggap tidak signifikan.Bank has not use Internal Model in calculate VaR as Consolidated with Subsidiary due to market risk exposure from Subsidiary consider not significant.





No. Jenis RisikoRisk Types



BankBank


BankBank



ATMRRWA


ATMRRWA


ATMRRWA


ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 Risiko Suku BungaInterest Rate Risk 1.184 14.796 1.116 13.955 276 3.449 276 3.449

a. Risiko SpesifikSpecific Risk - - - - - - - -

b. Risiko UmumGeneral Risk 1.184 14.796 1.116 13.955 276 3.449 276 3.449

2 Risiko Nilai TukarExchange Rate Risk 1.171 14.632 1.045 13.067 416 5.201 445 5.569

3 Risiko Ekuitas *)Equity Risk *)

4 Risiko Komoditas *)Commodity Risk *)

5 Risiko OptionOption Risk - - - - - - - -

Total 2.354 29.428 2.162 27.022 692 8.650 721 9.018

*) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud*) For bank's that have subsidiaries which have a risk exposure referred

No Jenis RisikoRisk Type











(1) (2) (3) (4) (5) (6) (7) (8) (9) (10)

1 Risiko Suku BungaInterest Rate Risk 124 351 24 240 334 707 83 166

2 Risiko Nilai TukarExchange Rate Risk 572 2.665 53 350 6.304 11.133 232 4.136

3 Risiko OptionOption Risk

Total 696 3.016 78 589 6.638 11.840 314 4.302

Tabel 7.2.b Pengungkapan Risiko Pasar dengan Menggunakan Model Internal (Value at Risk/VaR) - Bank secara Konsolidasi dengan Perusahaan AnakTable 7.2.b. Disclosure of Market Risk Based on Internal Model (Value at Risk/VaR) – Bank Consolidated with SubsidiariesBank tidak menggunakan Model Internal untuk menghitung VaR secara Konsolidasi dengan perusahaan anak dikarenakan exposure risiko pasar dari perusahaan anak dianggap tidak signifikan.Bank has not use Internal Model in calculate VaR as Consolidated with Subsidiary due to market risk exposure from Subsidiary consider not significant.



Tabel 8.1.a. Pengungkapan Kuantitatif Risiko Operasional - Bank secara IndividualTable 8.1.a Quantitative Disclosures of Operational Risk – Individual Bank

Tabel 8.1.b. Pengungkapan Kuantitatif Risiko Operasional - Bank secara Konsolidasi dengan Perusahaan AnakTable 8.1.b. Quantitative Disclosures of Operational Risk – Bank Consolidated with Subsidiaries

No. Pendekatan Yang DigunakanApproach Method



Pendapatan Bruto (Rata-rata 3 tahun terakhir)

Gross Income(Average Last 3 years)


ATMRRWA

Pendapatan Bruto (Rata-rata 3 tahun terakhir)Gross Income (Average Last 3 years)


ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8)

1 Pendekatan Indikator DasarBasic Indicator Approach 541.076 81.161 1.014.517 579.724 86.959 1.086.983

Total 541.076 81.161 1.014.517 579.724 86.959 1.086.983





Gross Income (Average Last 3 years)Beban Modal

Capital ChargeATMRRWA



ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8)


Total 565.027 84.754 1.059.425 601.782 90.267 1.128.340









Gross Income(Average Last 3 years)


ATMRRWA



ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8)


Total 541.076 81.161 1.014.517 579.724 86.959 1.086.983





Gross Income (Average Last 3 years)Beban Modal

Capital ChargeATMRRWA



ATMRRWA

(1) (2) (3) (4) (5) (6) (7) (8)


Total 565.027 84.754 1.059.425 601.782 90.267 1.128.340



Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara IndividualTable 9.1.a. Disclosure of Maturity Profile for Rupiah - Individual Bank

No. Pos-posPosts



SaldoBalance

Jatuh TempoDue Date

SaldoBalance

Jatuh TempoDue Date

< 1 bulan< 1 Month

> 1 bln s.d. 3 bln> 1 Month until 3 Months

> 3 bln s.d. 6 bln> 3 Months until 6

Months


Months> 12 bulan

> 12 Months< 1 bulan

< 1 Months> 1 bln s.d. 3 bln

> 1 Month until 3 Months> 3 bln s.d. 6 bln

> 3 Months until 6 Months


Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 15.285 15.285 - - - - 16.531 16.531 - - - -

2Penempatan pada Bank IndonesiaPlacement on Bank Indonesia

1.575.542 1.437.281 98.969 39.292 - - 1.140.950 1.071.631 49.748 19.571 - -

3Penempatan pada bank lainPlacements on other banks

541 541 - - - - 681 681 - - - -

4 Surat BerhargaSecurities 149.637 - - 119.868 - 29.769 184.671 - 15.552 49.703 - 119.416

5 Kredit yang diberikanLoans 7.846.632 937.225 1.422.107 1.348.978 2.667.097 1.471.225 6.131.586 742.037 731.369 900.899 2.294.261 1.463.020

6 Tagihan lainnyaOthers bills 145.369 78.788 59.540 5.534 1.507 - 51.827 8.262 39.819 3.746 - -

7 Lain-lainOthers 17.183 17.183 - - - - 8.477 8.477 - - - -

Total AsetTotal Assets 9.750.189 2.486.303 1.580.616 1.513.672 2.668.604 1.500.994 7.534.723 1.847.619 836.488 973.919 2.294.261 1.582.436

B. KewajibanLiabilities

1 Dana Pihak KetigaThird Party Funds 5.287.942 3.479.530 1.645.128 102.375 45.600 15.309 4.220.927 3.497.312 539.579 115.313 68.388 335

2Kewajiban pada Bank IndonesiaLiabilities on Bank Indonesia

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

3 Kewajiban pada bank lainLiabilities on other banks 283.164 283.164 - - - - 4.508 4.508 - - - -

4Surat Berharga yang diterbitkanSecurities Issued

500.000 - 500.000 - - - 500.000 - - - - 500.000

5 Pinjaman yang diterimaBorrowing 1.400.000 - 300.000 - 200.000 900.000 700.000 - 400.000 - - 300.000

6 Kewajiban lainnyaOther liabilities 133.501 66.920 59.540 5.534 1.507 - 51.827 8.262 39.819 3.746 - -

7 Lain-lainOthers 92.812 92.812 - - - - 144.404 144.404 - - - -

Total KewajibanTotal Liabillities 7.697.419 3.922.426 2.504.668 107.909 247.107 915.309 5.621.666 3.654.486 979.398 119.059 68.388 800.335

Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet

2.052.770 (1.436.123) (924.052) 1.405.763 2.421.497 585.685 1.913.057 (1.806.867) (142.910) 854.860 2.225.873 782.101




No. Pos-posPosts



SaldoBalance

Jatuh TempoDue Date

SaldoBalance

Jatuh TempoDue Date

< 1 bulan< 1 Month



Months


Months> 12 bulan






Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 15.285 15.285 - - - - 16.531 16.531 - - - -

2Penempatan pada Bank IndonesiaPlacement on Bank Indonesia

1.575.542 1.437.281 98.969 39.292 - - 1.140.950 1.071.631 49.748 19.571 - -

3Penempatan pada bank lainPlacements on other banks

541 541 - - - - 681 681 - - - -




7 Lain-lainOthers 17.183 17.183 - - - - 8.477 8.477 - - - -




2Kewajiban pada Bank IndonesiaLiabilities on Bank Indonesia

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

3 Kewajiban pada bank lainLiabilities on other banks 283.164 283.164 - - - - 4.508 4.508 - - - -

4Surat Berharga yang diterbitkanSecurities Issued

500.000 - 500.000 - - - 500.000 - - - - 500.000



7 Lain-lainOthers 92.812 92.812 - - - - 144.404 144.404 - - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet

2.052.770 (1.436.123) (924.052) 1.405.763 2.421.497 585.685 1.913.057 (1.806.867) (142.910) 854.860 2.225.873 782.101



No. Pos-posPosts



SaldoBalance

Jatuh TempoDue Date

SaldoBalance

Jatuh TempoDue Date

< 1 bulan< 1 Month



Months


Months> 12 bulan






Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

II REKENING ADMINISTRATIFADMINISTRATIVE ACCOUNT

A. Tagihan Rekening AdministratifAdministrative Account

1 KomitmenCommitment 655.891 163.485 415.765 48.576 28.065 - 800.755 535.286 198.168 688 66.613 -

2 KontijensiContingency - - - - - - - - - - - -

Total Tagihan Rekening AdministratifTotal Administrative Account Claims 655.891 163.485 415.765 48.576 28.065 - 800.755 535.286 198.168 688 66.613 -

B. Kewajiban Rekening AdministratifAdministrative Account Liabilities

1 KomitmenCommitment 829.711 488.260 271.076 43.387 26.988 - 404.939 180.178 149.553 13.046 62.162 -


Total Kewajiban Rekening AdministratifTotal Administrative Account Liabilities

829.711 488.260 271.076 43.387 26.988 - 404.939 180.178 149.553 13.046 62.162 -

Selisih Tagihan dan Kewajiban dalam Rekening AdministratifDifference Between Charges with Liabilities in the Balance Sheet

(173.820) (324.775) 144.689 5.189 1.077 - 395.816 355.108 48.615 (12.358) 4.451 -

Selisih [(IA-IB)+(IIA-IIB)]Difference [(IA-IB)+(IIA-IIB)] 1.878.950 (1.760.898) (779.363) 1.410.952 2.422.574 585.685 2.308.873 (1.451.759) (94.295) 842.502 2.230.324 782.101

Selisih KumulatifCummulative Difference (1.760.898) (2.540.261) (1.129.309) 1.293.265 1.878.950 (1.451.759) (1.546.054) (703.552) 1.526.772 2.308.873



No. Pos-posPosts



SaldoBalance

Jatuh TempoDue Date

SaldoBalance

Jatuh TempoDue Date

< 1 bulan< 1 Month



Months


Months> 12 bulan






Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)









Total Kewajiban Rekening AdministratifTotal Administrative Account Liabilities

829.711 488.260 271.076 43.387 26.988 - 404.939 180.178 149.553 13.046 62.162 -

Selisih Tagihan dan Kewajiban dalam Rekening AdministratifDifference Between Charges with Liabilities in the Balance Sheet

(173.820) (324.775) 144.689 5.189 1.077 - 395.816 355.108 48.615 (12.358) 4.451 -

Selisih [(IA-IB)+(IIA-IIB)]Difference [(IA-IB)+(IIA-IIB)] 1.878.950 (1.760.898) (779.363) 1.410.952 2.422.574 585.685 2.308.873 (1.451.759) (94.295) 842.502 2.230.324 782.101

Selisih KumulatifCummulative Difference (1.760.898) (2.540.261) (1.129.309) 1.293.265 1.878.950 (1.451.759) (1.546.054) (703.552) 1.526.772 2.308.873




Tabel 9.1.b. Pengungkapan Profil Maturitas Rupiah - Bank secara Konsolidasi dengan Perusahaan AnakTable 9.1.b. Disclosure of Maturity Profile for Rupiah – Bank Consolidated with Subsidiaries

No. Pos-pos/ Posts



Saldo/ Balance

Jatuh Tempo/ Due Date

Saldo/ Balance


< 1 bulan< 1 Month

> 1 bln s.d. 3 bln> 1 Months until

3 Months


6 Months

> 6 bln s.d. 12 bln


> 12 bulan> 12 Months

< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 16.040 16.040 - - - - 16.534 16.534 - - - -

2 Penempatan pada Bank IndonesiaPlacement on Bank Indonesia 1.575.542 1.437.281 98.969 39.292 - - 1.140.950 1.071.631 49.748 19.571 - -

3 Penempatan pada bank lainPlacements on other banks 2.041 2.041 - - - - 10.650 10.650 - - - -




7 Lain-lainOthers 18.697 18.697 - - - - 8.477 8.477 - - - -




2 Kewajiban pada Bank IndonesiaLiabilities on Bank Indonesia - - - - - - - - - - - -

3 Kewajiban pada bank lainLiabilities on other banks 650.664 283.164 - - 367.500 - 304.508 4.508 - - 300.000 -

4 Surat berharga yang diterbitkanSecurities Issued 500.000 - 500.000 - - - 500.000 - - - - 500.000



7 Lain-lainOthers 91.259 91.259 - - - - 144.404 144.404 - - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet 2.200.119 (1.430.063) (923.405) 1.406.542 2.071.942 1.075.103 2.055.611 (1.796.045) (141.727) 856.289 1.931.179 1.205.914









No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months

> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 16.040 16.040 - - - - 16.534 16.534 - - - -

2 Penempatan pada Bank IndonesiaPlacement on Bank Indonesia 1.575.542 1.437.281 98.969 39.292 - - 1.140.950 1.071.631 49.748 19.571 - -

3 Penempatan pada bank lainPlacements on other banks 2.041 2.041 - - - - 10.650 10.650 - - - -




7 Lain-lainOthers 18.697 18.697 - - - - 8.477 8.477 - - - -





3 Kewajiban pada bank lainLiabilities on other banks 650.664 283.164 - - 367.500 - 304.508 4.508 - - 300.000 -

4 Surat berharga yang diterbitkanSecurities Issued 500.000 - 500.000 - - - 500.000 - - - - 500.000



7 Lain-lainOthers 91.259 91.259 - - - - 144.404 144.404 - - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet 2.200.119 (1.430.063) (923.405) 1.406.542 2.071.942 1.075.103 2.055.611 (1.796.045) (141.727) 856.289 1.931.179 1.205.914








No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months

> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




Total Kewajiban Rekening AdministratifTotal Administrative Account Liabilities 829.711 488.260 271.076 43.387 26.988 - 404.939 180.178 149.553 13.046 62.162 -

Selisih Tagihan dan Kewajiban dalam Rekening AdministratifDifference Between Charges with Liabilities in the Balance Sheet (173.820) (324.775) 144.689 5.189 1.077 - 395.816 355.108 48.615 (12.358) 4.451 -

Selisih [(IA-IB)+(IIA-IIB)]Difference [(IA-IB)+(IIA-IIB)] 2.026.299 (1.754.838) (778.716) 1.411.731 2.073.019 1.075.103 2.451.427 (1.440.937) (93.112) 843.931 1.935.630 1.205.914

Selisih KumulatifCummulative Difference (1.754.838) (2.533.555) (1.121.823) 951.195 2.026.299 (1.440.937) (1.534.049) (690.118) 1.245.513 2.451.427



No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months

> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)




Total Kewajiban Rekening AdministratifTotal Administrative Account Liabilities 829.711 488.260 271.076 43.387 26.988 - 404.939 180.178 149.553 13.046 62.162 -

Selisih Tagihan dan Kewajiban dalam Rekening AdministratifDifference Between Charges with Liabilities in the Balance Sheet (173.820) (324.775) 144.689 5.189 1.077 - 395.816 355.108 48.615 (12.358) 4.451 -

Selisih [(IA-IB)+(IIA-IIB)]Difference [(IA-IB)+(IIA-IIB)] 2.026.299 (1.754.838) (778.716) 1.411.731 2.073.019 1.075.103 2.451.427 (1.440.937) (93.112) 843.931 1.935.630 1.205.914

Selisih KumulatifCummulative Difference (1.754.838) (2.533.555) (1.121.823) 951.195 2.026.299 (1.440.937) (1.534.049) (690.118) 1.245.513 2.451.427




Tabel 9.2.a. Pengungkapan Profil Maturitas Valas - Bank secara IndividualTable 9.2.a. Disclosure of Maturity Profile for Foreign Currency - Individual Bank

No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 6.115 6.115 - - - - 4.614 4.614 - - - -

2 Penempatan pada Bank IndonesiaPlacement on Bank Indonesia 1.265.440 1.265.440 - - - - 841.216 841.216 - - - -

3 Penempatan pada bank lainPlacements on other banks 1.891.755 889.981 - - - 1.001.774 1.337.985 1.004.750 - - - 333.235

4 Surat BerhargaSecurities - - - - - - - - - - - -

5 Kredit yang diberikanLoans 3.043.607 326.935 1.057.605 945.148 - 713.919 2.982.958 379.131 1.081.131 769.427 - 753.269

6 Tagihan lainnyaOthers bills 422.235 109.702 69.662 103.597 139.274 - 254.961 33.943 82.101 95.491 43.426 -

7 Lain-lainOthers 4.974 4.974 - - - - 3.509 3.509 - - - -

Total AsetTotal Assets 6.634.126 2.603.147 1.127.267 1.048.745 139.274 1.715.693 5.425.243 2.267.163 1.163.232 864.918 43.426 1.086.504


1 Dana Pihak KetigaThird Party Funds 5.069.877 3.936.556 978.254 45.607 109.460 - 4.094.009 3.560.466 421.768 49.259 62.516 -


3 Kewajiban pada bank lainLiabilities on other banks - - - - - - - - - - - -

4 Surat berharga yang diterbitkanSecurities Issued - - - - - - - - - - - -

5 Pinjaman yang diterimaBorrowing 2.452.674 213.708 10.066 - 1.222.300 1.006.600 2.057.567 90.207 610.560 - 542.720 814.080

6 Kewajiban lainnyaOther liabilities 417.191 106.497 67.823 103.597 139.274 - 239.526 20.844 79.765 95.491 43.426 -

7 Lain-lainOthers 13.468 450 13.018 - - - 3.795 347 3.448 - - -

Total KewajibanTotal Liabillities 7.953.210 4.257.211 1.069.161 149.204 1.471.034 1.006.600 6.394.897 3.671.864 1.115.541 144.750 648.662 814.080

Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet (1.319.084) (1.654.064) 58.106 899.541 (1.331.760) 709.093 (969.654) (1.404.701) 47.691 720.168 (605.236) 272.424



1 KomitmenCommitment 3.242.664 2.630.549 542.505 43.726 25.884 - 2.649.489 2.294.711 268.126 25.596 61.056 -





No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan



3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 6.115 6.115 - - - - 4.614 4.614 - - - -


3 Penempatan pada bank lainPlacements on other banks 1.891.755 889.981 - - - 1.001.774 1.337.985 1.004.750 - - - 333.235


5 Kredit yang diberikanLoans 3.043.607 326.935 1.057.605 945.148 - 713.919 2.982.958 379.131 1.081.131 769.427 - 753.269


7 Lain-lainOthers 4.974 4.974 - - - - 3.509 3.509 - - - -





3 Kewajiban pada bank lainLiabilities on other banks - - - - - - - - - - - -




7 Lain-lainOthers 13.468 450 13.018 - - - 3.795 347 3.448 - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet (1.319.084) (1.654.064) 58.106 899.541 (1.331.760) 709.093 (969.654) (1.404.701) 47.691 720.168 (605.236) 272.424







No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan



3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

Total Tagihan Rekening AdministratifTotal Administrative Account Claims 3.242.664 2.630.549 542.505 43.726 25.884 - 2.649.489 2.294.711 268.126 25.596 61.056 -


1 KomitmenCommitment 1.319.339 384.481 826.413 52.849 55.596 - 957.926 425.459 449.171 13.373 69.923 -


Total Kewajiban Rekening AdministratifTotal Administrative Account Liabilities 1.319.339 384.481 826.413 52.849 55.596 - 957.926 425.459 449.171 13.373 69.923 -

Selisih Tagihan dan Kewajiban dalam Rekening AdministratifDifference Between Charges with Liabilities in the Balance Sheet 1.923.325 2.246.068 (283.908) (9.123) (29.712) - 1.691.563 1.869.252 (181.045) 12.223 (8.867) -

Selisih [(IA-IB)+(IIA-IIB)]Difference [(IA-IB)+(IIA-IIB)] 604.241 592.004 (225.802) 890.418 (1.361.472) 709.093 721.909 464.551 (133.354) 732.391 (614.103) 272.424

Selisih KumulatifCummulative Difference 592.004 366.202 1.256.620 (104.852) 604.241 464.551 331.197 1.063.588 449.485 721.909



No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan



3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)








Selisih KumulatifCummulative Difference 592.004 366.202 1.256.620 (104.852) 604.241 464.551 331.197 1.063.588 449.485 721.909




Tabel 9.2.b. Pengungkapan Profil Maturitas Valas - Bank secara Konsolidasi dengan Perusahaan AnakTable 9.2.b. Disclosure of Maturity Profile for Foreign Currency – Bank Consolidated with Subsidiaries

No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months

> 3 bln s.d. 6 bln

> 3 Months until6 Months

> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 6.115 6.115 - - - - 4.614 4.614 - - - -


3 Penempatan pada bank lainPlacements on other banks 2.135.388 1.133.614 - - - 1.001.774 1.467.611 1.134.376 - - - 333.235


5 Kredit yang diberikanLoans 3.162.388 326.935 1.058.248 950.974 2.736 823.495 3.182.942 379.131 1.081.702 778.206 9.522 934.381


7 Lain-lainOthers 29.993 29.993 - - - - 3.509 3.509 - - - -





3 Kewajiban pada bank lainLiabilities on other banks 385.651 - - - - 385.651 328.698 - 328.698 - - -




7 Lain-lainOthers 15.021 2.003 13.018 - - - 3.795 347 3.448 - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet (1.319.084) (1.387.194) 58.749 905.367 (1.329.024) 433.018 (968.742) (1.275.075) (280.436) 728.947 (595.714) 453.536









No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months

> 3 bln s.d. 6 bln


> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)

I NERACAON BALANCE

A AsetAssets

1 KasCash 6.115 6.115 - - - - 4.614 4.614 - - - -


3 Penempatan pada bank lainPlacements on other banks 2.135.388 1.133.614 - - - 1.001.774 1.467.611 1.134.376 - - - 333.235


5 Kredit yang diberikanLoans 3.162.388 326.935 1.058.248 950.974 2.736 823.495 3.182.942 379.131 1.081.702 778.206 9.522 934.381


7 Lain-lainOthers 29.993 29.993 - - - - 3.509 3.509 - - - -





3 Kewajiban pada bank lainLiabilities on other banks 385.651 - - - - 385.651 328.698 - 328.698 - - -




7 Lain-lainOthers 15.021 2.003 13.018 - - - 3.795 347 3.448 - - -


Selisih Aset dengan Kewajiban dalam NeracaDifference Between Assets with Liabilities in the Balance Sheet (1.319.084) (1.387.194) 58.749 905.367 (1.329.024) 433.018 (968.742) (1.275.075) (280.436) 728.947 (595.714) 453.536








No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months

> 3 bln s.d. 6 bln


> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)







Selisih KumulatifCummulative Difference 858.874 633.715 1.529.959 171.223 604.241 594.177 132.696 873.866 269.285 722.821



No. Pos-pos/ Posts



Saldo/ Balance


Saldo/ Balance


< 1 bulan< 1 Month


3 Months

> 3 bln s.d. 6 bln


> 6 bln s.d. 12 bln



< 1 bulan< 1 Month


3 Months


6 Months


12 Months> 12 bulan

> 12 Months

(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)







Selisih KumulatifCummulative Difference 858.874 633.715 1.529.959 171.223 604.241 594.177 132.696 873.866 269.285 722.821







LAMPIRAN IIINFORMASI KINERJA KEUANGANATTACHMENT IIINFORMATION OF FINANCIAL PERFOMANCE




LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYAQUALITY OF EARNING ASSETS REPORT AND OTHER INFORMATIONS

PT BANK RESONA PERDANIA31 DESEMBER 2018 DAN 2017/DECEMBER 31, 2018 AND 2017

No. POS-POS/POSTS

BANK

31 Desember 2018/December 31, 2018 31 Desember 2017/December 31, 2017

Lancar/ Current

DPK/ Special Mention

Kurang Lancar/ Substandard

Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

I. PIHAK TERKAIT/RELATED PARTIES

1. Penempatan pada bank lain/Interbank Placement 7,301 - - - - 7,301 16,071 - - - - 16,071

a. Rupiah/IDR - - - - - - - - - - - -

b. Valuta asing/Foreign currency 7,301 - - - - 7,301 16,071 - - - - 16,071

2. Tagihan spot dan derivatif/Spot and derivative claim 1,652 - - - - 1,652 - - - - - -

a. Rupiah/IDR - - - - - - - - - - - -

b. Valuta asing/Foreign currency 1,652 - - - - 1,652 - - - - - -

3. Surat berharga/Marketable securities - - - - - - - - - - - -

a. Rupiah/IDR - - - - - - - - - - - -

b. Valuta asing/Foreign currency - - - - - - - - - - - -

4. Surat berharga yang dijual dengan janji dibeli kembali/Repo - - - - - - - - - - - -

a. Rupiah/IDR - - - - - - - - - - - -


5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali/Reverse Repo

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

a. Rupiah/IDR - - - - - - - - - - - -


6. Tagihan akseptasi/Acceptance receivable - - - - - - - - - - - -

7. Kredit/Loans 367,500 - - - - 367,500 300,000 - - - - 300,000

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)/Micro & SME - - - - - - - - - - - -

i. Rupiah/IDR - - - - - - - - - - - -

ii. Valuta asing/Foreign currency - - - - - - - - - - - -

b. Bukan debitur UMKM/Non Micro & SME 367,500 - - - - 367,500 300,000 - - - - 300,000

i. Rupiah/IDR 367,500 - - - - 367,500 300,000 - - - - 300,000


c. Kredit yang direstrukturisasi/Restructured loans - - - - - - - - - - - -

i. Rupiah/IDR - - - - - - - - - - - -


d. Kredit properti/Property loans - - - - - - - - - - - -

8. Penyertaan/Investment 42,228 - - - - 42,228 42,228 - - - - 42,228

9. Penyertaan modal sementara/Temporary equity investment - - - - - - - - - - - -

10. Tagihan lainnya/Other claim - - - - - - - - - - - -

11. Komitmen dan kontinjensi/Commitment and contingencies 32,500 - - - - 32,500 100,000 - - - - 100,000

a. Rupiah/IDR 32,500 - - - - 32,500 100,000 - - - - 100,000


12. Aset yang diambil alih/Foreclosed asset - - - - - - - - - - - -



LAPORAN KUALITAS ASET PRODUKTIF DAN INFORMASI LAINNYAQUALITY OF EARNING ASSETS REPORT AND OTHER INFORMATIONS

PT BANK RESONA PERDANIA31 DESEMBER 2018 DAN 2017/DECEMBER 31, 2018 AND 2017

No. POS-POS/POSTS

BANK


Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

I. PIHAK TERKAIT/RELATED PARTIES

1. Penempatan pada bank lain/Interbank Placement 7,301 - - - - 7,301 16,071 - - - - 16,071

a. Rupiah/IDR - - - - - - - - - - - -


2. Tagihan spot dan derivatif/Spot and derivative claim 1,652 - - - - 1,652 - - - - - -

a. Rupiah/IDR - - - - - - - - - - - -

b. Valuta asing/Foreign currency 1,652 - - - - 1,652 - - - - - -

3. Surat berharga/Marketable securities - - - - - - - - - - - -

a. Rupiah/IDR - - - - - - - - - - - -



a. Rupiah/IDR - - - - - - - - - - - -



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

a. Rupiah/IDR - - - - - - - - - - - -


6. Tagihan akseptasi/Acceptance receivable - - - - - - - - - - - -

7. Kredit/Loans 367,500 - - - - 367,500 300,000 - - - - 300,000

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)/Micro & SME - - - - - - - - - - - -

i. Rupiah/IDR - - - - - - - - - - - -


b. Bukan debitur UMKM/Non Micro & SME 367,500 - - - - 367,500 300,000 - - - - 300,000

i. Rupiah/IDR 367,500 - - - - 367,500 300,000 - - - - 300,000


c. Kredit yang direstrukturisasi/Restructured loans - - - - - - - - - - - -

i. Rupiah/IDR - - - - - - - - - - - -


d. Kredit properti/Property loans - - - - - - - - - - - -

8. Penyertaan/Investment 42,228 - - - - 42,228 42,228 - - - - 42,228


10. Tagihan lainnya/Other claim - - - - - - - - - - - -

11. Komitmen dan kontinjensi/Commitment and contingencies 32,500 - - - - 32,500 100,000 - - - - 100,000

a. Rupiah/IDR 32,500 - - - - 32,500 100,000 - - - - 100,000





No. POS-POS/POSTS

BANK


Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

II PIHAK TIDAK TERKAIT/NON RELATED PARTIES

1. Penempatan pada bank lain/Interbank Placement 1,884,995 - - - - 1,884,995 1,322,595 - - - - 1,322,595

a. Rupiah/IDR 541 - - - - 541 681 - - - - 681

b. Valuta asing/Foreign currency 1,884,454 - - - - 1,884,454 1,321,914 - - - - 1,321,914

2. Tagihan spot dan derivatif/Spot and derivative claim 18,545 182 - - - 18,727 4,507 7 - - - 4,514

a. Rupiah/IDR 13,194 182 - - - 13,376 2,761 7 - - - 2,768


3. Surat berharga/Marketable securities 333,611 - - - - 333,611 253,990 - - - - 253,990

a. Rupiah/IDR 333,611 - - - - 333,611 253,990 - - - - 253,990



a. Rupiah/IDR - - - - - - - - - - - -



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

a. Rupiah/IDR - - - - - - - - - - - -


6. Tagihan akseptasi/Acceptance receivable 528,064 16,409 - - - 544,473 287,701 9,745 - - - 297,446

7. Kredit/Loans 11,014,821 527,574 - 48,213 262,500 11,853,108 9,037,467 770,205 - - 198,284 10,005,138

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)/Micro & SME 136,852 - - - - 136,852 89,930 - - - - 89,930

i. Rupiah/IDR 111,563 - - - - 111,563 67,579 - - - - 67,579

ii. Valuta asing/Foreign currency 25,289 - - - - 25,289 22,351 - - - - 22,351

b. Bukan debitur UMKM/Non Micro & SME 10,877,969 527,574 - 48,213 262,500 11,716,256 8,947,537 769,387 - - 198,284 9,915,208

i. Rupiah/IDR 6,710,498 346,358 - 48,213 262,500 7,367,569 5,254,252 432,528 - - 71,163 5,757,943

ii. Valuta asing/Foreign currency 4,167,471 181,216 - - - 4,348,687 3,693,285 336,859 - - 127,121 4,157,265

c. Kredit yang direstrukturisasi/Restructured loans - 19,210 - - - 19,210 - 19,839 - - 127,121 146,960

i. Rupiah/IDR - 19,210 - - - 19,210 - 19,839 - - - 19,839

ii. Valuta asing/Foreign currency - - - - - - - - - - 127,121 127,121

d. Kredit properti/Property loans 505,188 - - - - 505,188 447,257 - - - - 447,257

8. Penyertaan/Investment - - - - - - - - - - - -


10. Tagihan lainnya/Other claim 16,225 - - - - 16,225 9,342 - - - - 9,342

11. Komitmen dan kontinjensi/Commitment and contingencies 7,105,944 260,603 - - - 7,366,547 6,449,560 111,921 - - - 6,561,481

a. Rupiah/IDR 3,044,165 114,726 - - - 3,158,891 2,617,493 13,057 - - - 2,630,550

b. Valuta asing/Foreign currency 4,061,779 145,877 - - - 4,207,656 3,832,067 98,864 - - - 3,930,931




No. POS-POS/POSTS

BANK


Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

Lancar/ Current



Diragukan/ Doubtful

Macet/ Loss

Jumlah/ Total

II PIHAK TIDAK TERKAIT/NON RELATED PARTIES

1. Penempatan pada bank lain/Interbank Placement 1,884,995 - - - - 1,884,995 1,322,595 - - - - 1,322,595

a. Rupiah/IDR 541 - - - - 541 681 - - - - 681

b. Valuta asing/Foreign currency 1,884,454 - - - - 1,884,454 1,321,914 - - - - 1,321,914

2. Tagihan spot dan derivatif/Spot and derivative claim 18,545 182 - - - 18,727 4,507 7 - - - 4,514

a. Rupiah/IDR 13,194 182 - - - 13,376 2,761 7 - - - 2,768


3. Surat berharga/Marketable securities 333,611 - - - - 333,611 253,990 - - - - 253,990

a. Rupiah/IDR 333,611 - - - - 333,611 253,990 - - - - 253,990



a. Rupiah/IDR - - - - - - - - - - - -



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

a. Rupiah/IDR - - - - - - - - - - - -


6. Tagihan akseptasi/Acceptance receivable 528,064 16,409 - - - 544,473 287,701 9,745 - - - 297,446

7. Kredit/Loans 11,014,821 527,574 - 48,213 262,500 11,853,108 9,037,467 770,205 - - 198,284 10,005,138

a. Debitur Usaha Mikro, Kecil dan Menengah (UMKM)/Micro & SME 136,852 - - - - 136,852 89,930 - - - - 89,930

i. Rupiah/IDR 111,563 - - - - 111,563 67,579 - - - - 67,579

ii. Valuta asing/Foreign currency 25,289 - - - - 25,289 22,351 - - - - 22,351

b. Bukan debitur UMKM/Non Micro & SME 10,877,969 527,574 - 48,213 262,500 11,716,256 8,947,537 769,387 - - 198,284 9,915,208

i. Rupiah/IDR 6,710,498 346,358 - 48,213 262,500 7,367,569 5,254,252 432,528 - - 71,163 5,757,943

ii. Valuta asing/Foreign currency 4,167,471 181,216 - - - 4,348,687 3,693,285 336,859 - - 127,121 4,157,265

c. Kredit yang direstrukturisasi/Restructured loans - 19,210 - - - 19,210 - 19,839 - - 127,121 146,960

i. Rupiah/IDR - 19,210 - - - 19,210 - 19,839 - - - 19,839

ii. Valuta asing/Foreign currency - - - - - - - - - - 127,121 127,121

d. Kredit properti/Property loans 505,188 - - - - 505,188 447,257 - - - - 447,257

8. Penyertaan/Investment - - - - - - - - - - - -


10. Tagihan lainnya/Other claim 16,225 - - - - 16,225 9,342 - - - - 9,342

11. Komitmen dan kontinjensi/Commitment and contingencies 7,105,944 260,603 - - - 7,366,547 6,449,560 111,921 - - - 6,561,481

a. Rupiah/IDR 3,044,165 114,726 - - - 3,158,891 2,617,493 13,057 - - - 2,630,550

b. Valuta asing/Foreign currency 4,061,779 145,877 - - - 4,207,656 3,832,067 98,864 - - - 3,930,931




No. POS-POS/POSTS

BANK


Jumlah/ Total

Jumlah/ Total

III INFORMASI LAIN/OTHER INFOMATION

1. Total aset bank yang dijaminkan/Total Bank's pledged assets: - -

a. Pada Bank Indonesia/With Bank Indonesia - -

b. Pada pihak lain/With other parties - -

2. Total CKPN aset keuangan atas aset produktif/Provision for impair-ment losses on earning assets

137,939 144,531

3. Total PPA yang wajib dibentuk atas aset produktif/Required regulatory provision on earning assets

461,832 349,419

4. Persentase kredit kepada UMKM terhadap total kredit/Percentage of loans to micro & SME to total loans

1.12 0.87

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit/Percentage of loans to micro & small enterprises to total loans

- -

6. Persentase jumlah debitur UMKM terhadap total debitur/Percentage of total micro & SME debtor to total debtor

1.22 2.20

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur/Percentage of total micro & small enterprises debtor to total debtor

- -

8. Lainnya/Others - -

a. Penerusan kredit/Chanelling - -

b. Penyaluran dana Mudharabah Muqayyadah/Mudharabah Muqa-yyadah fund distribution

- -

c. Aset produktif yang dihapus buku/Written off earning assets 819,662 679,884

d. Aset produktif dihapusbuku yang dipulihkan/berhasil ditagih/Written off earning assets that been recovered

49,468 27,017

e. Aset produktif yang dihapus tagih/Claim off earning assets 144,743 136,586

Cadangan Penyisihan KerugianAllowance For Impairment Losses

No. POS-POS/POSTS


CKPN/ Allowance for impairment losses

PPA wajib dibentuk/ Required regulatory provision



Individual Kolektif/ Collective

Umum/ General

Khusus/ Special Individual Kolektif/

CollectiveUmum/ General

Khusus/ Special

1. Penempatan pada bank lain/Interbank placement - - 18,922 - - - 13,387 -

2. Tagihan spot dan derivatif/Spot and derivative claim - - 202 9 - - 45 -

3. Surat berharga/Marketable securities - - 158 - - - 156 -

4. Surat berharga yang dijual dengan janji dibeli kembali/Repo - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali/Reverse Repo - - - - - - - -

6. Tagihan akseptasi/Acceptable receivable - - 4,816 820 - - 2,629 487

7. Kredit/Loan 75,289 62,649 105,461 313,003 119,138 25,393 86,667 236,756

8. Penyertaan/Investment - - 422 - - - 422 -

9. Penyertaan modal sementara/Temporary equity investment - - - - - - - -

10. Tagihan lainnya/Other claim - - 162 - - - 94 -

11. Komitmen dan kontinjensi/Commitment and contingencies - - 4,681 13,029 - - 3,181 5,594



No. POS-POS/POSTS

BANK


Jumlah/ Total

Jumlah/ Total

III INFORMASI LAIN/OTHER INFOMATION

1. Total aset bank yang dijaminkan/Total Bank's pledged assets: - -

a. Pada Bank Indonesia/With Bank Indonesia - -

b. Pada pihak lain/With other parties - -

2. Total CKPN aset keuangan atas aset produktif/Provision for impair-ment losses on earning assets

137,939 144,531

3. Total PPA yang wajib dibentuk atas aset produktif/Required regulatory provision on earning assets

461,832 349,419

4. Persentase kredit kepada UMKM terhadap total kredit/Percentage of loans to micro & SME to total loans

1.12 0.87

5. Persentase kredit kepada Usaha Mikro Kecil (UMK) terhadap total kredit/Percentage of loans to micro & small enterprises to total loans

- -

6. Persentase jumlah debitur UMKM terhadap total debitur/Percentage of total micro & SME debtor to total debtor

1.22 2.20

7. Persentase jumlah debitur Usaha Mikro Kecil (UMK) terhadap total debitur/Percentage of total micro & small enterprises debtor to total debtor

- -

8. Lainnya/Others - -

a. Penerusan kredit/Chanelling - -

b. Penyaluran dana Mudharabah Muqayyadah/Mudharabah Muqa-yyadah fund distribution

- -

c. Aset produktif yang dihapus buku/Written off earning assets 819,662 679,884

d. Aset produktif dihapusbuku yang dipulihkan/berhasil ditagih/Written off earning assets that been recovered

49,468 27,017

e. Aset produktif yang dihapus tagih/Claim off earning assets 144,743 136,586

dalam jutaan Rupiahin million IDR

No. POS-POS/POSTS






Individual Kolektif/ Collective

Umum/ General

Khusus/ Special Individual Kolektif/

CollectiveUmum/ General

Khusus/ Special

1. Penempatan pada bank lain/Interbank placement - - 18,922 - - - 13,387 -

2. Tagihan spot dan derivatif/Spot and derivative claim - - 202 9 - - 45 -

3. Surat berharga/Marketable securities - - 158 - - - 156 -

4. Surat berharga yang dijual dengan janji dibeli kembali/Repo - - - - - - - -

5. Tagihan atas surat berharga yang dibeli dengan janji dijual kembali/Reverse Repo - - - - - - - -

6. Tagihan akseptasi/Acceptable receivable - - 4,816 820 - - 2,629 487

7. Kredit/Loan 75,289 62,649 105,461 313,003 119,138 25,393 86,667 236,756

8. Penyertaan/Investment - - 422 - - - 422 -

9. Penyertaan modal sementara/Temporary equity investment - - - - - - - -

10. Tagihan lainnya/Other claim - - 162 - - - 94 -

11. Komitmen dan kontinjensi/Commitment and contingencies - - 4,681 13,029 - - 3,181 5,594



NO. Transaksi/Transaction

BANK

Nilai Notional/Notional Amount

Tujuan/PurposeTagihan dan Liabilitas Derivatif/

Derivative Receivable and Derivative Payable

Trading HedgingTagihan/ Derivative Receivable

Liabilitas/ Derivative Payable

A. Terkait dengan Nilai Tukar/Exchange Rate Related

1 Spot 121,211 121,211 - 59 942

2 Forward 1,337,387 1,337,387 - 17,339 10,654

3 Option - - - - -

a. Jual/Sell - - - - -

b. Beli/Buy - - - - -

4 Future - - - - -

5 Swap 225,499 225,499 - 2,981 1,259

6 Lainnya/Other - - - - -

B. Terkait dengan Suku Bunga/Interest Rate Related

1 Forward - - - - -

2 Option - - - - -

a. Jual/Sell - - - - -

b. Beli/Buy - - - - -

3 Future - - - - -

4 Swap - - - - -

5 Lainnya/Other - - - - -

C. Lainnya/Other

TOTAL 1,684,097 1,684,097 - 20,379 12,855

LAPORAN TRANSAKSI SPOT DAN DERIVATIFSPOT AND DERIVATIVE TRANSACTIONS REPORT

PT BANK RESONA PERDANIA31 DESEMBER 2018/DECEMBER 31, 2018

dalam jutaan Rupiahin million IDR



LAPORAN KEUANGAN KONSOLIDASIANDAN INFORMASI TAMBAHANCONSOLIDATED FINANCIAL STATEMENT ANDSUPPLEMENTARY INFORMATION















































































































































































































































































LAPORAN KEUANGAN KONSOLIDASIANPERUSAHAAN INDUKPARENT COMPANY CONSOLIDATEDFINANCIAL STATEMENT




[Consolidated Balance Sheets] (Millions of yen)31-Dec-18 31-Mar-18

AssetsCash and due from banks ¥14,801,736 ¥13,419,003Call loans and bills bought 101,477 308,806Monetary claims bought 293,123 337,705Trading assets 373,164 270,639Securities 5,719,030 5,278,544Loans and bills discounted 35,706,924 28,755,172Foreign exchange assets 125,312 160,226Leasing receivables and investment assets 41,650 -Other assets 1,063,969 1,110,787Tangible fixed assets 380,398 303,088Intangible fixed assets 39,735 30,329Net defined benefit asset 29,370 18,496Deferred tax assets 29,827 1,692Customers’ liabilities for acceptances and guarantees 403,893 389,011Reserve for possible loan losses (149,586) (139,668)Reserve for possible losses on investments (34) (47)Total assets ¥58,959,994 ¥50,243,789

Liabilities and Net AssetsLiabilities

Deposits ¥50,217,612 ¥42,744,541Negotiable certificates of deposit 1,182,670 1,060,650Call money and bills sold 608,300 155,975Payables under repurchase agreements 5,000 5,000Payables under securities lending transactions 1,075,609 624,703Trading liabilities 108,938 101,709Borrowed money 767,278 675,975Foreign exchange liabilities 4,098 4,071Bonds 459,797 385,142Due to trust account 981,668 1,056,058Other liabilities 716,405 824,467Reserve for employees’ bonuses 10,884 15,634Net defined benefit liability 14,745 10,120 Other reserves 44,193 44,312Deferred tax liabilities 20,922 23,501 Deferred tax liabilities for land revaluation 19,392 19,976Acceptances and guarantees 403,893 389,011Total liabilities ¥56,641,371 ¥48,140,853

Net AssetsCapital stock 50,472 50,472Retained earnings 1,580,701 1,522,075Treasury stock (4,447) (5,250)

Total stockholders’ equity 1,626,726 1,567,297

Net unrealized gains on available-for-sale securities 412,566 486,665Net deferred gains on hedges 28,458 33,462

Revaluation reserve for land 42,371 43,699

Foreign currency translation adjustments (4,309) (3,021)Remeasurement of defined benefit plans (31,304) (42,956) Total accumulated other comprehensive income 447,783 517,849Stock acquisition rights 312 -

Minority interests in consolidated subsidiaries 243,800 17,789

Total Net Assets 2,318,623 2,102,936Total Liabilities and Net Assets ¥58,959,994 ¥50,243,789



[Consolidated Statements of Income] (Millions of yen)Third Quarter of FY2018 Third Quarter of FY2017

From April 1, 2018 From April 1, 2017to December 31, 2018 to December 31, 2017

Ordinary Income ¥640,025 ¥546,601Interest income 360,248 298,449 Interest on loans and bills discounted 286,025 230,601 Interest and dividends on securities 47,339 43,108Trust fees 14,413 13,700Fees and commissions 177,012 148,037Trading income 3,997 4,479Other operating income 32,140 18,320Other ordinary income 52,213 63,613

Ordinary Expenses 485,817 378,567Interest expenses 35,044 23,443 Interest on deposits 14,662 9,864Fees and commissions 49,511 41,675Trading expenses - 50Other operating expenses 33,804 9,691General and administrative expenses 328,459 269,472Other Ordinary expenses 38,998 34,234

Ordinary Profit 154,207 168,034Extraordinary gains 39,900 1,278 Gains on disposal of fixed assets 1 1,278 Gains on negative goodwill 29,055 - Gain on step acquisitions 10,843 -Extraordinary losses 2,945 2,267 Losses on disposal of fixed assets 696 579 Impairment losses on fixed assets 2,248 1,688Income before income taxes 191,162 167,045Income taxes – current 27,324 28,105Income taxes – deferred 15,215 (64,208)Total income taxes 42,539 (36,102)Net income 148,623 203,147Net income attributable to non-controlling interest 7,497 387Net income attributable to owners of the parent ¥141,125 ¥202,760

Third Quarter of FY2018 Third Quarter of FY2017From April 1, 2018 From April 1, 2017

to December 31, 2018 to December 31, 2017

Net Income ¥148,623 ¥203,147Other comprehensive income (73,648) 114,072

Net unrealized gains (losses) on available-for-sale securities (74,541) 111,480

Net deferred gains (losses) on hedges (5,015) (5,387)Revaluation reserve for land - (6)

Foreign currency translation adjustments (3,018) (1,670)

Remeasurements of defined benefit plans 8,926 9,697Share of other comprehensive income of affiliates accounted for using equity method - (40)

Total comprehensive income ¥74,974 ¥317,219

Comprehensive income attributable to:Shares of the parent 72,386 317,885 Non-controlling interests ¥2,588 (¥665)

[Consolidated Statements of Comprehensive Income]



PRIMED FORHIGHER IMPROVEMENTS

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Laporan Tahunan 2018 Annual Report

Laporan Tahunan 2018 Annual Report

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