Bank : Bank of America, N.A

Bank

: Bank of America, N.A.

Tanggal/Date : 30 June 2017 Tabel 1 Pengungkapan Kuantitatif Struktur Permodalan Bank Asing Table 1 Capital Structure Quantitative Disclosures Foreign Banks (dalam jutaan rupiah - in million rupiah) KOMPONEN MODAL CAPITAL COMPONENT (1) (2) I KOMPONEN MODAL CAPITAL COMPONENT

30 Juni 2017 30 June 2017

30 Juni 2016 30 June 2016

(3)

(4)

A Dana Usaha Operating Funds 1 Dana Usaha Operating Funds

2,081,682

1,430,908

2 Modal disetor paid-in capital

363

363

B Cadangan Reserve

-

-

1 Cadangan umum general reserve

-

-

2 Cadangan tujuan appropriate reserve

-

-

102,884

51,840

49,380

40,551

-

-

Laba (rugi ) tahun-tahun lalu yang dapat diperhitungkan (100%) C Income (loss) previous years which can be calculated (100%) Laba (rugi ) tahun berjalan yang dapat diperhitungkan (50%) D Profit (loss) for the year which can be calculated (50%) E Dana setoran modal / Fund capital contribution Pendapatan komprehensif lainnya: kerugian berasal dari penurunan penyertaan dalam kelompok tersedia F untuk dijual (100%) Other comprehensive income: investment losses from the decline in available-for-sale (100%) Pendapatan komprehensif lainnya: keuntungan berasal dari peningkatan penyertaan dalam kelompok G tersedia untuk dijual (45%) Other comprehensive income: gains from increased investments in available-for-sale (45%) H Revaluasi aset tetap (45%) / Revaluation of fixed assets (45%) I J

Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif Differences between the Asset Allowance and the allowance for impairment losses on earning assets

(326)

(295)

-

-

-

-

(145,739)

(50,335)

-

-

Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung Asset Allowance (PPA) on non-productive assets that must be counted

K Difference in number of adjustments to fair value of financial instruments in the trading book L

Cadangan umum aset produktif (maks. 1,25% dari ATMR)

42,151

22,814

General reserve on earning assets (max. 1.25% of RWA) M

Faktor pengurang modal / Deduction from capital

-

-

Eksposur sekuritisasi / Securitization Exposures

-

-

2,130,396

1,495,846

II MODAL BANK ASING (Jumlah A s.d L - M) / FOREIGN CAPITAL BANK (Total A s.d L - M) III IV

ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT RISK WEIGHTED ASSETS (RWA) CREDIT RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL

RISK WEIGHTED ASSETS (RWA) OPERATIONAL RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR / RISK WEIGHTED ASSETS (RWA) MARKET RISK V A. Metode Standar Standardized Method

B. Model Internal Internal Models RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [II : (III + IV + V)] VI CAPITAL ADEQUACY RATIO FOR CREDIT RISK, AND OPERATIONAL RISK MARKET RISK [II: (III + IV + V)]

3,372,106

1,825,147

275,241

182,677

489,712

51.50%

298,465

64.86%

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.1 Pengungkapan Tagihan Bersih Berdasarkan Wilayah Table 2.1. Disclosure of Net Receivables by Area

Kategori Portofolio Portfolio Category

No

(1) 1 2 3

(2) Tagihan Kepada Pemerintah Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities

Jakarta Jakarta (3) 4,250,745 -

-

-

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 Tagihan Bersih Berdasarkan Wilayah Net Receivables by Area Diluar Jakarta Diluar Indonesia Total Outside Jakarta Outside Indonesia (8) (9) (10)

Jakarta Jakarta (7)

Total (6) 4,250,745 -

4,274,546 -

-

-

4,274,546 -

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions

4

Tagihan Kepada Bank Receivables on Banks

5

Kredit Beragun Rumah Tinggal Loans Secured by Residential Property

6

Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate

7

Kredit Pegawai/Pensiunan Employee/Retired Loans

8

30 Juni 2017 30 June 2017 Tagihan Bersih Berdasarkan Wilayah Net Receivables by Area Diluar Jakarta Diluar Indonesia Outside Jakarta Outside Indonesia (4) (5)

-

-

-

-

-

-

-

-

94,254

-

-

94,254

93,237

-

-

93,237

8,595

-

-

8,595

7,814

-

-

7,814

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,739

-

-

2,739

3,035

-

-

3,035

3,038,263

-

-

3,038,263

1,718,614

-

-

1,718,614

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio

9

Tagihan kepada Korporasi Receivables on Corporate

10

Tagihan yang Telah Jatuh Tempo Past Due Receivables

11

Aset Lainnya Other Assets Total

-

-

-

-

-

-

270,126

-

-

-

270,126

-

36,684

-

-

36,684

7,664,722

-

-

7,664,722

6,133,930

-

-

6,133,930

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.2 Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Table 2.2 Disclosure of Net Receivables by Contractual Maturity

No.


(1) (2) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8 Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets Total

30 Juni 2017 30-Jun-17 Tagihan bersih berdasarkan sisa jangka waktu kontrak Net Receivables by Contractual Maturity < 1 tahun >1 thn s.d. 3 thn >3 thn s.d. 5 thn > 5 thn Non-Kontraktual < 1 Year >1 Year s.d. 3 Year >3 Year s.d. 5 Year > 5 Year Non-Contractual (3) (4) (5) (6) (7) 4,250,745 94,254 26

594 771

332 1,684

7,669 258

-

Total (8) 4,250,745 -

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30-Jun-16 Tagihan bersih berdasarkan sisa jangka waktu kontrak Net Receivables by Contractual Maturity < 1 tahun >1 thn s.d. 3 thn >3 thn s.d. 5 thn > 5 thn Non-Kontraktual Total < 1 Year >1 Year s.d. 3 Year >3 Year s.d. 5 Year > 5 Year Non-Contractual (9) (10) (11) (12) (13) (14) 4,274,546 4,274,546 -

94,254 8,595 2,739

93,237 148

584 560

128 2,327

7,102 -

-

93,237 7,814 3,035

3,038,263 -

-

-

-

270,126

3,038,263 270,126

1,718,614 -

-

-

-

36,684

1,718,614 36,684

7,383,288

1,365

2,016

7,927

270,126

7,664,722

6,086,545

1,144

2,455

7,102

36,684

6,133,930

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.3 Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi Table 2.3 Disclosure of Net Receivables by Economic Sectors (dalam jutaan rupiah - in million rupiah)

No.

(1) 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Sektor Ekonomi Economic Sectors

(2) 30 Juni 2017 30 June 2017 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Quarrying Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Wholesale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Hotel and Food & Beverage Transportasi, pergudangan dan komunikasi Transportation, Warehousing and Communications Perantara keuangan Financial Intermediary Real estate, usaha persewaan dan jasa perusahaan Real Estate, Rental and Business Services Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security Jasa pendidikan Education Services Jasa kesehatan dan kegiatan sosial Human Health and Social Work Activities Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Public, Socio-Culture, Entertainment and Other Personal Services Jasa perorangan yang melayani rumah tangga Activities of Households as Employers Badan internasional dan badan ekstra internasional lainnya International Institution and Other Extra International Agencies Kegiatan yang belum jelas batasannya Undefined Activities Bukan Lapangan Usaha Non Business Field Lainnya Others Total 30 Juni 2016 30 June 2016 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Quarrying Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Wholesale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Hotel and Food & Beverage Transportasi, pergudangan dan komunikasi Transportation, Warehousing and Communications Perantara keuangan Financial Intermediary Real estate, usaha persewaan dan jasa perusahaan Real Estate, Rental and Business Services Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security Jasa pendidikan Education Services Jasa kesehatan dan kegiatan sosial Human Health and Social Work Activities Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Public, Socio-Culture, Entertainment and Other Personal Services Jasa perorangan yang melayani rumah tangga Activities of Households as Employers Badan internasional dan badan ekstra internasional lainnya International Institution and Other Extra International Agencies Kegiatan yang belum jelas batasannya Undefined Activities Bukan Lapangan Usaha Non Business Field Lainnya Others Total

Tagihan Kepada Pemerintah Receivables on Sovereigns

Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities


Tagihan Kepada Bank Receivables on Banks

Kredit Beragun Rumah Tinggal Loans Secured by Residential Property

Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate

Kredit Pegawai/Pensiunan Employee/Retired Loans

(3)

(4)

(5)

(6)

(7)

(8)

(9)

-

4,250,745 4,250,745 -

4,274,546 4,274,546

Tagihan Kepada Usaha Tagihan yang Mikro, Usaha Kecil Tagihan kepada Telah Jatuh dan Portofolio Ritel Aset Lainnya Korporasi Tempo Receivables on Micro, Other Assets Receivables on Corporate Past Due Small Business & Receivables Retail Portfolio

(10)

(11)

(12)

(13)

-

-

94,254 94,254

8,595 8,595

-

-

2,739 2,739

1,755,757 287,912 994,594 3,038,263

-

-

-

93,237 93,237

7,814 7,814

-

-

3,035 3,035

1,586,358 132,256 1,718,614

-

-

-

36,684 36,684

-

270,126 270,126

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.4 Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah Table 2.4 Disclosure of Receivables and Provisioning based on Area

No.

Keterangan Description Jakarta

(1) 1 2

3 4 5

(2) Tagihan Receivables Tagihan yang mengalami penurunan nilai (impaired ) Impaired Receivables a. Belum jatuh tempo Non Past Due b. Telah jatuh tempo Past Due Cadangan kerugian penurunan nilai (CKPN) Individual Allowance for Impairment Losses Individual kerugian penurunan nilai (CKPN) Cadangan Kolektif Allowance for Impairment Losses Collective Tagihan yang dihapus buku Written-Off Receivables Total

(3) 7,664,722

30 Juni 2017 30 June 2017 Wilayah Area Diluar Indonesia Diluar Jakarta Outside Outside Jakarta Indonesia (4) (5) -

Total (6) 7,664,722

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 Wilayah Area Diluar Indonesia Diluar Jakarta Jakarta Total Outside Outside Jakarta Indonesia (7) (8) (9) (10) 6,133,930 6,133,930

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

7,664,722

7,664,722

6,133,930

6,133,930

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.5 Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi Table 2.5 Disclosure of Receivables and Provisioning based on Economic Sectors

Sektor Ekonomi Economic Sectors

No.

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

(2) 30 Juni 2017 30 June 2017 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Quarrying Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Wholesale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Hotel and Food & Beverage Transportasi, pergudangan dan komunikasi Transportation, Warehousing and Communications Perantara keuangan Financial Intermediary Real estate, usaha persewaan dan jasa perusahaan Real Estate, Rental and Business Services Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security Jasa pendidikan Education Services Jasa kesehatan dan kegiatan sosial Human Health and Social Work Activities Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Public, Socio-Culture, Entertainment and Other Personal Services Jasa perorangan yang melayani rumah tangga Activities of Households as Employers

(dalam jutaan rupiah - in million rupiah) Cadangan kerugian Cadangan kerugian penurunan nilai penurunan nilai Tagihan yang (CKPN) (CKPN) - Kolektif dihapus buku Individual Allowance for Written-Off Allowance for Receivables Telah jatuh tempo Impairment Losses - Impairment Losses Collective Past Due Individual (5) (6) (7) (8)

Tagihan yang Mengalami Penurunan Nilai Impaired Receivables

Tagihan Reveivables

Belum Jatuh Tempo Non Past Due (4)

(3)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,755,757 287,912 5,339,593

17

Badan internasional dan badan ekstra internasional lainnya International Institution and Other Extra International Agencies

-

-

-

-

-

-

18

Kegiatan yang belum jelas batasannya Undefined Activities

-

-

-

-

-

-

19

Bukan Lapangan Usaha Non Business Field

11,334

-

-

-

-

-

20

Lainnya Others

270,126 7,664,722

-

-

-

-

-

Total

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

30 Juni 2016 30 June 2016 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Quarrying Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Wholesale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Hotel and Food & Beverage Transportasi, pergudangan dan komunikasi Transportation, Warehousing and Communications Perantara keuangan Financial Intermediary Real estate, usaha persewaan dan jasa perusahaan Real Estate, Rental and Business Services Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense and Compulsory Social Security Jasa pendidikan Education Services Jasa kesehatan dan kegiatan sosial Human Health and Social Work Activities Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya Public, Socio-Culture, Entertainment and Other Personal Services Jasa perorangan yang melayani rumah tangga Activities of Households as Employers Badan internasional dan badan ekstra internasional lainnya International Institution and Other Extra International Agencies Kegiatan yang belum jelas batasannya Undefined Activities Bukan Lapangan Usaha Non Business Field Lainnya Others Total

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,586,358 132,256 4,367,783

10,849 36,684 6,133,930

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 2.6 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai Table 2.6 Movements of Impairment Provision Disclosure (dalam jutaan rupiah - in million Rupiah) 30 Juni 2016 30 June 2016 CKPN CKPN Kolektif CKPN Kolektif Individual Allowance for Allowance for Allowance for Impairment Impairment Losses Impairment Losses Collective Losses Collective Individual (4) (5) (6) NIL -

30 Juni 2017 30 June 2017 No.

(1) 1 2

3 4

Keterangan Description

(2) Saldo awal CKPN Beginning Balance - Allowance for Impairment Losses Pembentukan (pemulihan) CKPN pada periode berjalan (Net) Beginning Balance - Allowance for Impairment Losses 2.a Pembentukan CKPN pada periode berjalan Additional allowance for impairment losses during the year 2.b Pemulihan CKPN pada periode berjalan Reversal allowance for impairment losses during the year CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan Allowance for impairment losses used for written off receivables during the year Pembentukan (pemulihan) lainnya pada periode berjalan Other additional (reversal) of allowance during the year Saldo akhir CKPN Ending Balance

CKPN Individual Allowance for Impairment Losses Individual (3)

NIL -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 3 Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat Table 3 Disclosure of Net Receivables by Portfolio and Rating Category (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 June 2017 Tagihan Bersih Net Receivables

Lembaga Pemeringkat Rating Company No


(1) (2) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik Receivables on 2 Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks Kredit Beragun Rumah Tinggal Loans Secured by 5 Residential Property Kredit Beragun Properti Komersial Loans Secured by 6 Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 8 Ritel Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets TOTAL

Standard and Poor's Fitch Rating

AAA AAA Aaa Moody's PT. Fitch Ratings Indonesia AAA (idn) PT Pemeringkat Efek Indonesia idAAA (3)

(4)

AA+ s.d AAA+ s.d AAA+ s.d AAA+ s.d AAa1 s.d Aa3 A1 s.d A3 AA+(idn) s.d AA-(idn) A+(idn) s.d. A-(idn) idAA+ s.d idAAidA+ s.d id A(5)

(6)

Peringkat Jangka panjang Long Term Rating BBB+ s.d BBBBB+ s.d BBB+ s.d BBBB+ s.d BBBBB+ s.d BBB+ s.d BBaa1 s.d Baa3 Ba1 s.d Ba3 B1 s.d B3 BBB+(idn) s.d BBB-(idn) BB+(idn) s.d BB-(idn) B+(idn) s.d B-(idn) id BBB+ s.d id BBBid BB+ s.d id BBid B+ s.d id B(7)

(8)

(9)

Kurang dari BA-1 Kurang dari BF1+ s.d F1 Kurang dari B3 P-1 Kurang dari B-(idn) F1+(idn) s.d F1(idn) Kurang dari idBidA1 (10)

(11)

Peringkat Jangka Pendek Short Term Rating A-3 F3 P-3 F3(idn) idA3 s.d id A4

A-2 F2 P-2 F2(idn) idA2 (12)

Kurang dari A-3 Kurang dari F3 Kurang dari P-3 Kurang dari F3(idn) Kurang dari idA4

(13)

(14)

Tanpa Peringkat Unrated

(15) 4,250,745

Total

(16) 4,250,745

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

94,254

-

-

-

-

-

-

-

-

94,254

-

-

-

-

-

-

-

-

-

-

-

-

8,595

8,595

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,739

2,739

-

-

-

-

-

-

-

-

-

-

-

-

3,038,263 270,126

3,038,263 270,126

-

-

-

-

94,254

-

-

-

-

-

-

-

7,570,468

7,664,722

30 Juni 2016 30 June 2016 Tagihan Bersih Net Receivables

Lembaga Pemeringkat Rating Company No


(1) (2) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik Receivables on 2 Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks Kredit Beragun Rumah Tinggal Loans Secured by 5 Residential Property Kredit Beragun Properti Komersial Loans Secured by 6 Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio 8 Ritel Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets TOTAL

Standard and Poor's Fitch Rating

AAA AAA Aaa Moody's PT. Fitch Ratings Indonesia AAA (idn) PT Pemeringkat Efek Indonesia idAAA (3)

(4)

AA+ s.d AAA+ s.d AAA+ s.d AAA+ s.d AAa1 s.d Aa3 A1 s.d A3 AA+(idn) s.d AA-(idn) A+(idn) s.d. A-(idn) idAA+ s.d idAAidA+ s.d id A(5)

(6)

Peringkat Jangka panjang Long Term Rating BBB+ s.d BBBBB+ s.d BBB+ s.d BBBB+ s.d BBBBB+ s.d BBB+ s.d BBaa1 s.d Baa3 Ba1 s.d Ba3 B1 s.d B3 BBB+(idn) s.d BBB-(idn) BB+(idn) s.d BB-(idn) B+(idn) s.d B-(idn) id BBB+ s.d id BBBid BB+ s.d id BBid B+ s.d id B(7)

(8)

(9)

Kurang dari BA-1 Kurang dari BF1+ s.d F1 Kurang dari B3 P-1 Kurang dari B-(idn) F1+(idn) s.d F1(idn) Kurang dari idBidA1 (10)

(11)

Peringkat Jangka Pendek Short Term Rating A-3 F3 P-3 F3(idn) idA3 s.d id A4

A-2 F2 P-2 F2(idn) idA2 (12)

Kurang dari A-3 Kurang dari F3 Kurang dari P-3 Kurang dari F3(idn) Kurang dari idA4

(13)

(14)

Tanpa Peringkat Unrated

(15) 4,274,546

Total

(16) 4,274,546

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

93,237

-

-

-

-

-

-

-

-

93,237

-

-

-

-

-

-

-

-

-

-

-

-

7,814

7,814

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,035

3,035

-

-

-

-

-

-

-

-

-

-

-

-

1,718,614 36,684

1,718,614 36,684

-

-

-

-

93,237

-

-

-

-

-

-

-

6,040,693

6,133,930

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017

Tabel 3.1 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif Table 3.1 Disclosure of Counterparty Credit Risk : Derivative Transaction (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 June 2017

30 Juni 2016 30 June 2016

Notional Amount

Variabel yang Mendasari Underlying Variables

No

1 2 3

Suku Bunga Interest Rate Nilai Tukar Foreign Exchange Lainnya Others

> 1 Tahun - < 5 Tahun > 1 Year - < 5 Years

< 1 Tahun < 1 Year

7,641,985 7,641,985

TOTAL

Notional Amount

Tagihan Derivatif Derivative Receivables

> 5 Tahun > 5 Years

-

-

Kewajiban Derivatif Derivative Liabilities

14,907 14,907

Tagihan Bersih sebelum MRK Net Receivables before CRM

36,698 36,698

Tagihan Bersih setelah MRK Net Receivables after CRM

MRK CRM

6,329 6,329

-

6,329 6,329

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 3.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo Table 3.2 Disclosure of Counterparty Credit Risk : Repo Transaction (dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016

30 Juni 2017 30 June 2017 Kategori Portfolio Portfolio Category

No.

(1) 1. 2 3 4 5 6

(2) Tagihan Kepada Pemerintah Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities

Nilai Wajar SSB Repo Fair Value of SSB Repo (3) -

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank Receivables on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio Tagihan kepada Korporasi Receivables on Corporate TOTAL

Kewajiban Repo Repo Liabilities

Tagihan Bersih Net Receivables

(4)

(5)

ATMR RWA (6)

-

-

-

-

-

-

-

-

-

-

-

Nilai Wajar SSB Repo Fair Value of SSB Repo (7) -

Kewajiban Repo Repo Liabilities


(8)

(9)

ATMR RWA (10)

-

-

-

-

-

-

-

-

-

-

-

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 3.3 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo Table 3.3 Disclosure of Counterparty Credit Risk : Reverse Repo Transaction

Kategori Portfolio Portfolio Category

No.

(1) 1. 2 3 4 5 6

(2) Tagihan Kepada Pemerintah Receivables on Sovereigns EntitasPembangunan Sektor PublikMultilateral Receivablesdan on Lembaga Public Sector Entities Tagihan Kepada Bank Internasional Receivables on Multilateral Development Banks and International Institutions Bank Receivables on Kecil Banksdan Portofolio Ritel Tagihan Kepada Usaha Mikro, Usaha Receivables on Micro, Small Business & Retail Portfolio Tagihan kepada Korporasi Receivables on Corporate TOTAL

Tagihan Bersih Net Receivables (3) -

30 Juni 2017 30 June 2017 Taihan Bersih setelah Nilai MRK MRK CRM Net Receivables after CRM (4) (5) -

ATMR Setelah MRK RWA After CRM


(6)

(7) -

-

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 Taihan Bersih setelah Nilai MRK ATMR Setelah MRK MRK CRM RWA After CRM Net Receivables after CRM (8) (9) (10) -

< 1 Tahun < 1 Year

2,959,056 2,959,056

Tagihan > 1 Tahun Derivatif < 5 Tahun > 5 Tahun Derivative > 1 Year - > 5 Years Receivables < 5 Years

-

-

2,673 2,673

Kewajiban Derivatif Derivative Liabilities

12,162 12,162

Tagihan Bersih sebelum MRK Net Receivables before CRM

2,962 2,962

MRK CRM

Tagihan Bersih setelah MRK Net Receivables after CRM

-

2,962 2,962

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 4.1 Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Table 4.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation

No.

30 Juni 2017 30 June 2017 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables after Calculation of Credit Risk Mitigation Impact 35% 40% 45% 50% 75% 100% (5) (6) (7) (8) (9) (10)


(1) (2) A Eksposur Neraca Balance Sheet Exposures 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8 Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets

0% (3)

20% (4)

ATMR RWA 150% (11)

Lainnya (12)

(13)

Beban Modal Capital Charge (14)

0% (15)

20% (16)

30 Juni 2016 30 June 2016 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables after Calculation of Credit Risk Mitigation Impact 35% 40% 45% 50% 75% 100% (17) (18) (19) (20) (21) (22)

150% (23)

(dalam jutaan rupiah - in million rupiah) Beban Modal ATMR RWA Capital Charge Lainnya (24) (25) (26)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

8,595 -

-

-

18,851 8,595 -

1,508 688 -

-

-

-

-

-

-

-

7,814 -

-

-

18,647 7,814 -

1,491.79 625.12 -

-

-

-

-

-

-

-

2,739 -

-

-

2,739 3,038,263 266,257

219 243,061 21,301

-

-

-

-

-

-

-

3,035 -

-

-

3,035 1,718,614 31,470

242.80 137,489.12 2,517.60

Total Eksposur Neraca Total Exposures - Balance Sheet Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif B Off Balance Sheet Commitment/Contigency Receivables Exposures 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8 Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables

-

-

-

-

-

-

-

11,334

-

-

3,334,705

266,776

-

-

-

-

-

-

-

10,849

-

-

1,779,580

142,366

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

31,072 -

2,486 -

-

-

-

-

-

-

-

-

-

-

42,605 -

3,408.36 -

Total Eksposur TRA Total Exposures - Off Balance Sheets C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 5 Receivables on Micro, Small Business & Retail Portfolio 6 Tagihan kepada Korporasi Receivables on Corporate

-

-

-

-

-

-

-

-

-

-

31,072 -

2,486 -

-

-

-

-

-

-

-

-

-

-

42,605 -

3,408 -

-

-

-

-

-

-

-

-

-

-

4,432

355

-

-

-

-

-

-

-

-

-

-

2,053

164.26

-

-

-

-

-

-

-

-

-

-

1,897

152

-

-

-

-

-

-

-

-

-

-

909

72.70

Total Eksposur Counterparty Credit Risk Total Exposures - Counterparty Credit Risk Total (A+B+C)

-

-

-

-

-

-

-

11,334

-

-

6,329 3,372,106

506 269,768

-

-

-

-

-

-

-

10,849

-

-

2,962 1,825,147

237 146,012

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 4.2 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 June 2017

No


(1) (2) A Eksposur Neraca Balance Sheet Exposures 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities 3


4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans 8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio

30 Juni 2016 30 June 2016

Bagian Yang Dijamin Dengan Portion Secured by Tagihan Bersih Net Receivables

(3)

Agunan Garansi Collateral Guarantee (4)

4,250,745

(5)

Bagian Yang Dijamin Dengan Portion Secured by

Asuransi Kredit Credit Insurance

Lainnya Others

(6)

(7)

Tidak Dijamin Unsecured Portion


(8) = (3)-[(4 )+(5 )+(6)+(7 )]

Asuransi Kredit Credit Insurance

Lainnya Others

Tidak Dijamin Unsecured Portion

(10)

(11)

(12)

(13)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

94,254 8,595

93,237 7,814

-

-

-

-

93,237 7,814

-

-

-

-

-

-

-

-

-

-

-

-

-

4,250,745

-

-

-

-

-

-

-

-

-

-

-

94,254 8,595

-

-

-

-

-

-

(9)

Agunan Garansi Collateral Guarantee

4,274,546

(14) = (9)-[(10 )+(11 )+(12)+(13)] 4,274,546 -

2,739

-

-

-

-

2,739

3,035

-

-

-

-

3,035

3,038,263 270,126

-

-

-

-

3,038,263 270,126

1,718,614 36,684

-

-

-

-

1,718,614 36,684

Total Eksposur Neraca Total Exposures - Balance Sheet Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif Off Balance Sheet B Commitment/Contigency Receivables Exposures 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and 3 International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables

7,664,722

-

-

-

-

7,664,722

6,133,930

-

-

-

-

6,133,930

-

-

-

-

-

-

-

-

1,035,434 -

-

-

-

-

1,035,434 -

1,854,863 -

-

-

-

-

1,854,863 -

Total Eksposur TRA Total Exposures - Off Balance Sheets C Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and 3 International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio 6 Tagihan kepada Korporasi Receivables on Corporate

1,035,434

1,035,434

1,854,863

1,854,863

Total Eksposur Counterparty Credit Risk Total Exposures - Counterparty Credit Risk Total (A+B+C)

9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

13,067 -

-

-

-

-

13,067 -

2,035 -

-

-

-

-

2,035 -

1,506

-

-

-

-

1,506

638

-

-

-

-

638

14,573 8,714,730

-

-

-

-

14,573 8,714,730

2,673 7,991,466

-

-

-

-

2,673 7,991,466

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 5.1 Pengungkapan Transaksi Sekuritisasi Table 5.1 Disclosure of Securitization Transactions (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 June 2017

Eksposur Sekuritisasi Securitization exposures

No

(1)

1

(2)

Bank bertindak sebagai Kreditur Asal Bank acting as Originator

Nilai aset yg disekuritisasi Value of securitized assets

Nilai aset yang disekuritisasi yg mengalami penurunan nilai Value of the securitized assets that are impaired

30 Juni 2016 30 June 2016 Laba/Rugi dari aktivitas sekuritisasi Profit / Loss activities securitization

ATMR RWA

Pengurang Modal Capital Charge

Nilai aset yg disekuritisasi Value of securitized assets

Nilai aset yang disekuritisasi yg mengalami penurunan nilai Value of the securitized assets that are impaired

Laba/Rugi dari aktivitas sekuritisasi Profit / Loss ACTIVITIES securitization

ATMR RWA

Pengurang Modal Capital Charge

(6)

(7)

(8)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Telah jatuh tempo Non Past Due

Belum Jatuh Tempo Past Due

Telah jatuh tempo Non Past Due

Belum Jatuh Tempo Past Due

(3)

(4)

(5)

(6)

(7)

(8)

(3)

(4)

(5)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

- Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) Bank bertindak sebagai Penyedia Kredit Pendukung Bank acts as a Credit Support Provider a. Fasilitas penanggung risiko pertama First loss facility 2

- Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) b. Fasilitas penanggung risiko kedua The second loss facility - Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) Bank bertindak sebagai Penyedia Fasilitas Likuiditas Bank acts as Liquidity Facility Provider

3

4

5

- Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) Bank bertindak sebagai Penyedia Jasa Bank acts as a Service Provider - Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) Bank bertindak sebagai Bank Kostudian Bank acts as the Bank Kostudian - Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) Bank bertindak sebagai Pemodal Bank acts as Investor

6

a. Senior Tranche - Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill) b. Junior Tranche - Jenis eksposur (contoh: tagihan beragun rumah tinggal) - Type of exposure (eg, residential-backed bill)

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 5.2 Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal Table 5.2 Securitization Transaction Activity Summary Disclosure Act As Originator Bank (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 June 2017 No.

30 Juni 2016 30 June 2016

Underlying Asset

(1) (2) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on 8 Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Aset Lainnya Other Assets

Total

Nilai Aset Yang Disekuritisasi Value of securitized assets

Keuntungan (Kerugian) Penjualan Gain (Loss) on Sale

Nilai Aset Yang Disekuritisasi Value of securitized assets

Keuntungan (Kerugian) Penjualan Gain (Loss) on Sale

(3)

(4)

(5)

(6)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.1 Perhitungan ATMR Risiko Kredit Pendekatan Standar : Eksposur Aset di Neraca Table 6.1 Calculation of Risk Weighted Assets for Credit Risk under Standardized Approach: On Balance Sheet Assets Exposures (dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016

30 Juni 2017 30 June 2017 No


(1) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities 3 4 5 6 7

(2)

Tagihan Bersih Net Receivable

ATMR Sebelum MRK RWA before CRM

ATMR Setelah MRK RWA after CRM

(3)

(4)

(5)

4,250,745 -

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank Receivables on Banks Kredit Beragun Rumah Tinggal Loans Secured by Residential Property Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan Employee/Retired Loans

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables 11 Aset Lainnya Other Assets TOTAL

Tagihan Bersih Net Receivable (6) 4,274,546 -

ATMR Sebelum MRK RWA before CRM


(7)

(8)

-

-

-

-

94,254 8,595 -

18,851 3,008 -

18,851 8,595 -

93,237 7,814 -

18,647 3,516 -

18,647 7,814 -

2,739 3,038,263 270,126 7,664,722 -

2,054 3,038,263 3,062,176

2,739 3,038,263 266,257 3,334,705 -

3,035 1,718,614 36,684 6,133,930 -

1,718,614 1,740,778

3,035 1,718,614 31,470 1,779,580 0

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.2 Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Table 6.2 Calculation of Risk Weighted Assets for Credit Risk under Standardized Approach: Off Balance Sheet Commitment/Contingency Exposures 30 Juni 2017 30 June 2017 No


(1) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities

(2)




(4)

(5)

(3)

(3)

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Kredit Beragun Rumah Tinggal Loans Secured by Residential Property 6 Kredit Beragun Properti Komersial Loans Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee/Retired Loans 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio 9 Tagihan kepada Korporasi Receivables on Corporate 10 Tagihan yang Telah Jatuh Tempo Past Due Receivables TOTAL

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 ATMR Sebelum ATMR Setelah MRK RWA MRK RWA after before CRM CRM (4) (5) -

ATMR Sebelum MRK RWA before CRM -

-

-

31,072 31,072 -

31,072 31,072 -

31,072 31,072 -

3

42,605 42,605

42,605 42,605

42,605 42,605

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.3 Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Table 6.3 Calculation of Risk Weighted Assets for Credit Risk under Standardized Approach: Counterparty Credit Risk Exposures 30 Juni 2017 30 June 2017 No


(1) 1 Tagihan Kepada Pemerintah Receivables on Sovereigns 2 Tagihan Kepada Entitas Sektor Publik Receivables on Public Sector Entities

(2)




(4)

(5)

(6)

(3)

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Receivables on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivables on Micro, Small Business & Retail Portfolio 6 Tagihan kepada Korporasi Receivables on Corporate 7 Eksposur tertimbang dari Credit Valuation Adjustment (CVA) Weighted Exposure from CVA TOTAL

(dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 ATMR Sebelum ATMR Setelah MRK RWA MRK RWA after before CRM CRM (7) (8) -

ATMR Sebelum MRK RWA before CRM -

-

-

14,184 1,897 16,081

4,432 1,897 6,329

4,432 1,897 6,329

-

-

-

3

10,266 1,817 12,083

2,053 909 2,962

2,053 909 2,962

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.4 Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (settlement risk) Table 6.4 Disclosure of Potential Credit Risk exposure due to failure of settlement (settlement risk) (dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016

30 Juni 2017 30 June 2017 No

Jenis Transaksi Transactions

(1)

(2)

1

2

Nilai Eksposure Nett Exposure

Faktor Pengurangan Modal Capital Charge


Nilai Eksposure Nett Exposure

Faktor Pengurangan Modal Capital Charge


(3)

(4)

(5)

(6)

(7)

(8)

Delivery versus payment a. Beban Modal 8% (5- 15 hari) Capital charges 8% (5-15 days) b. Beban Modal 50% (16-30 hari) Capital charges 50% (16-30 days) c. Beban Modal 75% (31-45 hari) Capital charges 75% (31-45 days) d. Beban Modal 100% (lebih dari 45 hari) Capital charges 100% (more than 45 days) Non-delivery versus payment TOTAL

-

-

-

-

-

-

-

-

-

-

-

-

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.5 Pengungkapan Eksposur Sekuritisasi Table 6.5 Disclosure of Securitization Exposures (dalam jutaan rupiah - in million rupiah) 30 Juni 2016 30 June 2016 Faktor Pengurang ATMR Modal CRM Capital Charge

30 Juni 2017 30 June 2017 Jenis Transaksi Transactions

No

(1) 1 2 3 4 5 6 7

(2) Fasilitas Kredit Pendukung yang memenuhi persyaratan Credit facilities eligible Fasilitas Kredit Pendukung yang tidak memenuhi persyaratan Credit facilities which do not meet the requirements Fasilitas Likuiditas yang memenuhi persyaratan Liquidity facilities that meet the requirements Fasilitas Likuiditas yang tidak memenuhi persyaratan Liquidity facilities that do not meet the requirements Pembelian Efek Beragun Aset yang memenuhi persyaratan Purchase of Asset-Backed Securities that meet the requirements Pembelian Efek Beragun Aset yang tidak memenuhi persyaratan Purchase of Asset-Backed Securities that do not meet the requirements Eksposur Sekuritisasi yang tidak tercakup dalam ketentuan Bank Indonesia mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset bagi bank umum. Securitisation exposures that are not covered by the provisions of Bank Indonesia TOTAL

Faktor Pengurang Modal Capital Charge

ATMR CRM

(3)

(4)

(3) -

-

-

-

-

-

-

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 6.6 Pengungkapan Total Pengukuran Risiko Kredit Table 6.6 Disclosure of Total Credit Risk Measurement

1 2

TOTAL ATMR RISIKO KREDIT Total RWA for Credit Risk TOTAL FAKTOR PENGURANG MODAL Total Capital Deduction Factor

(4)

-

(dalam jutaan rupiah - in million rupiah) 30 Juni 2017 30 Juni 2016 30 June 2017 30 June 2016 3,372,106 1,825,148 -

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 7 Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar Table 7 Disclosure of Market Risk Using Standardized Method (dalam jutaan rupiah - million rupiah) 30 Juni 2017 30 Juni 2016 30 June 2017 30 June 2016 Jenis Risiko Bank Bank No. Type of Risk Beban Modal ATMR Beban Modal ATMR Capital Charge Capital Charge RWA RWA (1) (2) (3) (4) (5) (6) Risiko Suku Bunga Interest Rate Risk 1 a. Risiko Spesifik Specific Risk b. Risiko Umum General Risk 25,317 316,463 22,652 283,155 Risiko Nilai Tukar Foreign Exchange Risk 13,860 173,248 1,225 15,310 2 Risiko Ekuitas *) Equity Risk *) 3 Risiko Komoditas *) Commodity Risk *) 4 Risiko Option Option Risk 5 Total 39,177 489,712 23,877 298,465 *) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud *) For banks that have subsidiaries that have defined risk exposure

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 8.1 Pengungkapan Profil Maturitas Rupiah Table 8.1 Disclosure of Rupiah Maturity Profile (dalam jutaan rupiah - million rupiah) 30 Juni 2017 30 June 2017

30 Juni 2016 30 June 2016

Jatuh Tempo Maturity No.

Pos -pos Accounts

(1) (2) I NERACA BALANCE SHEET A Aset Assets 1. Kas Cash 2. Penempatan pada Bank Indonesia Placement with Bank Indonesia 3. Penempatan pada bank lain Placement with Other Banks 4. Surat Berharga Marketable Securities 5. Kredit yang diberikan Loans 6. Tagihan lainnya Other Receivables 7. Lain-lain Others Total Aset Total Asset B. Kewajiban Liabilities 1. Dana Pihak Ketiga Deposits from Customer 2. Kewajiban pada Bank Indonesia Liabilities with Bank Indonesia 3. Kewajiban pada bank lain Liabilities with Other Banks 4. Surat Berharga yang Diterbitkan Securities issued 5. Pinjaman yang Diterima Borrowings 6. Kewajiban lainnya Other Liabs 7. Lain-lain Others Total Kewajiban Total Liabilities Selisih Aset dengan Kewajiban dalam Neraca On Balance Sheet Asset and Liabilities Differences II REKENING ADMINISTRATIF OFF BALANCE SHEETS A. Tagihan Rekening Administratif Off Balance Sheet Receivables 1. Komitmen Commitment 2. Kontijensi Contingency Total Tagihan Rekening Administratif Total Off Balance Sheet Receivables B. Kewajiban Rekening Administratif Off Balance Sheet Liabilities 1. Komitmen Commitment 2. Kontijensi Contingency Total Kewajiban Rekening Administratif Total Off Balance Sheet Liabilities Selisih Tagihan dan Kewajiban dalam Rekening Administratif Off Balance Sheet Asset and Liabilities Differences Selisih [(IA-IB)+(IIA-IIB)] Differences [(IA-IB)+(IIA-IIB)] Selisih Kumulatif Cummulative Differences

Saldo Balance

(3)

< 1 bulan < 1 month

> 1 bln s .d. 3 bln > 1 mon to 3 mon



> 12 bulan > 12 month

(4)

(5)

(6)

(7)

(8)

3,384 1,494,442 31 2,169,802 886,077 276,156 4,829,892

3,384 1,474,632 31 279,636 324,377 276,156 2,358,216

19,810 333,145 230,000 582,955

191,597 323,765 515,362

1,640,618 1,000,607 170,892 2,812,117

1,436,018 1,000,607 170,892 2,607,517

69,600 69,600

135,000 135,000

513,355

380,362

2,017,775

Jatuh Tempo Maturity

(249,301)

905,321 10 905,331

-

905,331

Saldo Balance

(3)

460,103 7,925 468,028

-

468,028

< 1 bulan < 1 month




> 12 bulan > 12 month

(4)

(5)

(6)

(7)

(8)

3,292 398,432 32 2,105,623 83,359 30,694 2,621,432

3,292 325,916 32 149,078 73,779 30,605 582,702

9,878 149,063 158,941

1,279,694 354,312 44,087 1,678,093

1,270,194 354,312 44,087 1,668,593

9,500 9,500

943,339

(1,085,891)

149,441

19,501 730,953 750,454

-

750,454

43,137 445,394 143 488,674

-

488,674

631,135 9,437 89 640,661

-

640,661

-

-

-

-

-

-

1,230

1,230

-

-

-

-

-

-

-

-

-

-

1,230

1,230

-

-

-

-

62,472

-

-

-

-

62,472

85,355

85,355

-

-

-

-

62,472

-

-

-

-

62,472

85,355

85,355

-

-

-

-

(62,472) 1,955,303 4,164,219

(249,301) (249,301)

513,355 264,054

380,362 644,416

905,331 1,549,747

(62,472) 405,556 1,955,303

(84,125) 859,214 (1,382,945)

(84,125) (1,170,016) (1,170,016)

149,441 (1,020,575)

750,454 (270,121)

488,674 218,553

640,661 859,214

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 8.2 Pengungkapan Profil Maturitas Valas Table 8.2 Disclosure of Foreign Exchange Maturity Profile (dalam jutaan rupiah - million rupiah) No.

Pos -pos

(1) (2) I NERACA BALANCE SHEET A Aset Assets 1. Kas Cash 2. Penempatan pada Bank Indonesia Placement with Bank Indonesia 3. Penempatan pada bank lain Placement with Other Banks 4. Surat Berharga Marketable Securities 5. Kredit yang diberikan Loans 6. Tagihan lainnya Other Receivables 7. Lain-lain Others Total Aset Total Asset B. Kewajiban Liabilities 1. Dana Pihak Ketiga Deposits from Customer 2. Kewajiban pada Bank Indonesia Liabilities with Bank Indonesia 3. Kewajiban pada bank lain Liabilities with Other Banks 4. Surat Berharga yang Diterbitkan Securities issued 5. Pinjaman yang Diterima Borrowings 6. Kewajiban lainnya Other Liabs 7. Lain-lain Others Total Kewajiban Total Liabilities Selisih Aset dengan Kewajiban dalam Neraca On Balance Sheet Asset and Liabilities Differences II REKENING ADMINISTRATIF OFF BALANCE SHEETS A. Tagihan Rekening Administratif Off Balance Sheet Receivables 1. Komitmen Commitment 2. Kontijensi Contingency Total Tagihan Rekening Administratif Total Off Balance Sheet Receivables B. Kewajiban Rekening Administratif Off Balance Sheet Liabilities 1. Komitmen Commitment 2. Kontijensi Contingency Total Kewajiban Rekening Administratif Total Off Balance Sheet Liabilities Selisih Tagihan dan Kewajiban dalam Rekening Administratif Off Balance Sheet Asset and Liabilities Differences Selisih [(IA-IB)+(IIA-IIB)] Differences [(IA-IB)+(IIA-IIB)] Selisih Kumulatif Cummulative Differences

30 Juni 2017 Jatuh Tempo Saldo (3)

30 Juni 2016 Jatuh Tempo

< 1 bulan

> 1 bln s .d. 3 bln

> 3 bln s .d. 6 bln

> 6 bln s .d. 12 bln

> 12 bulan

(4)

(5)

(6)

(7)

(8)

-

(9)

< 1 bulan

> 1 bln s .d. 3 bln

> 3 bln s .d. 6 bln

> 6 bln s .d. 12 bln

> 12 bulan

(10)

(11)

(12)

(13)

(14)

485 586,501 94,225 2,148,033 65,865 2,895,109

485 586,501 94,225 1,712,450 65,865 2,459,527

435,583 435,583

642,479 4,117,450 4,759,928

642,479 553,664 1,196,143

1,088,433 1,088,433

(1,864,819)

1,263,383

11,363,053 -

8,114,888 -

2,514,193 -

530,461 -

203,511 -

-

3,127,108 370

3,127,108 370

-

-

-

-

11,363,053

8,114,888

2,514,193

530,461

203,511

-

3,127,478

3,127,478

-

-

-

-

12,369,866 360

8,184,005 -

2,896,705 -

638,907 -

604,642 -

45,607 360

4,909,606 713

4,909,606 713

-

-

-

-

12,370,226

8,184,005

2,896,705

638,907

604,642

45,967

4,910,320

4,910,320

-

-

-

-

(1,007,173) (2,871,992) (5,010,509)

(69,116) 1,194,267 1,194,267

(382,513) (1,035,363) 158,904

(108,446) (824,568) (665,664)

(1,782,842) (2,630,616) (5,533,504)

(1,782,842) (194,129) (194,129)

(652,850)

-

Saldo

-

1,922 1,770,491 93,201 1,639,486 31,604 3,536,704

1,922 1,770,491 93,201 1,081,840 30,369 2,977,822

227,334 227,334

330,313 330,313

746,572 264,488 3,373,418 4,384,478

744,723 264,488 379,899 1,389,109

1,850 1,850

1,196,619 1,196,619

1,588,713

225,485

716,122 716,122

1,759,230 1,759,230

-

(716,122)

(1,759,230)

-

(401,131) (2,160,361) (2,826,025)

(45,967) (45,967) (2,871,992)

(847,774)

225,485 31,356

(866,307)

(866,307) (834,951)

-

1,235 1,235

1,070,213 1,070,213

726,688 726,688

(1,070,213)

(725,452)

(1,070,213) (1,905,164)

(725,452) (2,630,616)

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 8.3 Pengungkapan Nilai Liquidity Coverage Ratio (LCR) Table 8.3 Disclosure of Liquidity Coverage Ratio (LCR)

NILAI LCR (%)

Bank Secara Individu Bank Secara Konsolidasi

Triwulan I 1st Quarter

Triwulan II 2nd Quarter

Triwulan III 3rd Quarter

Triwulan VI 4th Quarter

(1)

(2) 191%

(3) N/A

(4) N/A

-

-

-

210% -

Bank : Bank of America, N.A. Tanggal/Date : 30 June 2017 Tabel 9 Pengungkapan Kuantitatif Risiko Operasional Table 9 Quantitative Disclosure of Operational Risk (dalam jutaan rupiah - million rupiah) 30 Juni 2016 30 June 2016

30 Juni 2017 30 June 2017

No.

(1) 1

Pendekatan Yang Digunakan Indicator Approach

(2) Pendekatan Indikator Dasar Basic Indicator Approach Total

Pendapatan Bruto (Rata-rata 3 tahun terakhir) Beban Modal Average Gross Income in the Capital Charge past 3 years (3)

(4)

ATMR RWA

(5)

Pendapatan Bruto (Ratarata 3 tahun terakhir) Beban Modal Average Gross Income Capital Charge in the past 3 years (6)

(7)

ATMR RWA

(8)

146,795

22,019

275,241

97,428

14,614

182,677

146,795

22,019

275,241

97,428

14,614

182,677

Bank : Bank of America, N.A

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