LAMPIRAN NERACA PUBLIKASI PER 30 SEPTEMBER 2004
APPENDIX PUBLICATION REPORT AS OF SEPTEMBER 30, 2004
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI
CONSOLIDATED FINANCIAL STATEMENTS
Per 30 September 2004 dan 2003 (Tidak Diaudit)
as of September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) No.
1. 2.
3.
4.
5.
6.
7.
8. 9.
10. 11. 12. 13. 14. 15. 16. 17. 18. 19.
POS-POS
( in million Rupiah) BANK
CONSOLIDATED
DESCRIPTIONS
30.09.2004
30.09.2003
30.09.2004
30.09.2003
394,490
360,563
394,797
360,818
1,823,596 1,272,478 2,315,161
1,263,696 1,737,304 245,000
1,823,596 1,292,828 2,315,161
1,263,696 1,752,304 245,000
4,916 198,578
4,701 99,781
16,295 201,671
16,176 100,846
208,566 590,696 (16,638)
58,956 539,001 (7,861)
228,709 604,775 (16,660)
94,463 561,976 (7,873)
32,131 2,480 63,730
24,892 4,261 189,560
48,922 29,507 63,731
29,307 15,761 189,560
432,031 405,075 (18,769)
882,496 556,600 (24,831)
432,031 405,075 (18,769)
882,496 556,600 (24,830)
2,568,377 491,376 5,494,043 -
4,954,308 580,055 5,497,736 -
2,568,377 491,376 5,494,043 -
4,954,308 589,191 5,497,736 -
AKTIVA Kas Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya Giro pada bank lain a. Rupiah b. Valuta asing Penempatan pada bank lain a. Rupiah b. Valuta asing PPAP - Penempatan pada bank lain -/Surat berharga yang dimiliki a. Rupiah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo b. Valuta asing i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPAP - Surat berharga yang dimiliki -/Obligasi Pemerintah* a. Diperdagangkan b. Tersedia untuk dijual c. Dimiliki hingga jatuh tempo Surat berharga yang dibeli dengan janji dijual kembali ( reverse repo) a. Rupiah b. Valuta asing PPAP-Surat berharga yg dibeli dengan janji dijual kembali (reverse repo)-/Tagihan derivatif PPAP - Tagihan derivatif -/Kredit yang diberikan a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPAP - Kredit yang diberikan -/Tagihan akseptasi PPAP - Tagihan akseptasi -/Penyertaan PPAP - Penyertaan -/Pendapatan yang masih akan diterima Biaya dibayar dimuka Uang muka pajak Aktiva pajak tangguhan Aktiva tetap Akumulasi penyusutan aktiva tetap -/Aktiva sewa guna usaha Akumulasi penyusutan aktiva sewa guna usaha -/Agunan yang diambil alih Aktiva lain-lain
-
-
-
-
2,830 (43) 5,848 11,200,772 2,015,037 (1,026,769) 205,935 (2,739) 150,757 (74,876) 208,369 66,796 1,218 381,012 1,011,436 (298,992) 504,713 777,958
372 (4) 3,995 7,323,082 1,790,380 (1,393,501) 85,795 (858) 152,940 (58,573) 293,625 34,770 104 388,086 1,010,197 (306,488) 504,380 597,702
2,830 (43) 6,748 11,269,255 2,015,037 (1,027,291) 205,935 (2,739) 79,558 (74,876) 210,557 68,153 2,202 384,483 1,020,870 (305,058) 267 (109) 505,878 805,373
372 (4) 5,173 7,393,040 1,790,380 (1,394,011) 85,795 (858) 85,772 (58,573) 295,948 35,946 1,864 389,369 1,019,028 (311,588) 267 (22) 504,965 621,883
JUMLAH AKTIVA
31,391,579
27.392.222
31.542.495
27.542.281
ASSETS Cash Placement with Bank Indonesia a. Current Account with Bank Indonesia b. Certificates of Bank Indonesia c. Others Current Account with Other Banks a. Rupiah b. Foreign Currencies Placements with Other Banks a. Rupiah b. Foreign Currencies Provision for Possible Losses -/Marketable Securities a. Rupiah i. Trading ii. Available for Sale iii. Held to Maturity b. Foreign Currencies i. Trading ii. Available for Sale iii. Held to Maturity Provision for Possible Losses -/Government Bond* a. Trading b. Available for Sale c. Held to Maturity Securities Purchased under Repurchase Agreement a. Rupiah b. Foreign Currencies Provision for Possible Losses -/Derivative Receivables Provision for Possible Losses -/Loans a. Rupiah i. Related Parties ii. Third Parties b. Foreign Currencies i. Related Parties ii. Third Parties Provision for Possible Losses -/Acceptance Receivables Provision for Possible Losses -/Investments Provision for Possible Losses -/Account Receivables Prepaid Expenses Prepaid Taxes Deffered Tax Assets Premises and Equipments Accumulated Depreciation -/Leased Assets Accumulated Depreciation -/Foreclosed Assets Other Assets TOTAL ASSETS
* Merupakan obligasi Pemerintah dalam rangka rekapitalisasi dan peleburan usaha, termasuk obligasi Pemerintah dalam rangka program rekapitalisasi bank umum yang dibeli dari pasar sekunder * Goverment bond in the frame of recapitalization and merger, including government (recap.) bonds bought from secondary market
1
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI
CONSOLIDATED FINANCIAL STATEMENTS
Per 30 September 2004 dan 2003 (Tidak Diaudit)
as of September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) No.
1.
2. 3. 4.
5.
6. 7. 8. 9. 10.
11.
12. 13. 14. 15. 16. 17. 18.
19.
20. 21.
POS-POS
30.09.2004 PASIVA Giro a. Rupiah b. Valuta asing Kewajiban segera lainnya Tabungan Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Sertifikat deposito a. Rupiah b. Valuta asing Simpanan dari bank lain Surat berharga yang dijual dengan janji dibeli kembali (repo) Kewajiban derivatif Kewajiban akseptasi Surat berharga yang diterbitkan a. Rupiah b. Valuta asing Pinjaman yang diterima a. Fasilitas pendanaan jangka pendek Bank Indonesia b. Lainnya i. Rupiah - Pihak terkait dengan bank - Pihak lain ii. Valuta asing - Pihak terkait dengan bank - Pihak lain Estimasi kerugian komitmen & kontinjensi Kewajiban sewa guna usaha Beban yang masih harus dibayar Taksiran pajak penghasilan Kewajiban pajak tangguhan Kewajiban lain-lain Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain Hak minoritas Ekuitas a. Modal disetor b. Agio ( Disagio ) c. Uang muka setoran modal d. Modal sumbangan e. Selisih penjabaran laporan keuangan f. Selisih penilaian kembali aktiva tetap g. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali h. Laba ( rugi ) yang belum direalisasi dari surat berharga i. Pendapatan komprehensif lainnya j. Saldo laba ( rugi ) JUMLAH PASIVA
2
( in million Rupiah) BANK
CONSOLIDATED
30.09.2003
30.09.2004
DESCRIPTIONS
30.09.2003 LIABILITIES & STOCKHOLDERS' EQUITY Demand Deposits a. Rupiah b. Foreign Exchange Other Current Liabilities Saving Deposits Time Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Exchange i. Related Parties ii. Third Parties Certificates of Deposits a. Rupiah b. Foreign Exchange Deposits of Other Banks Securities Sold under Repurchase Agreement Derivative Liabilities Acceptance Liabilities Securities Issued a. Rupiah b. Foreign Exchange Fund Borrowings a. Short Term Facilities from Bank Indonesia b. Others i. Rupiah - Related Parties - Third Parties ii. Foreign Exchange - Related Parties - Third Parties Estimation for Losses on Commitment & Contingensies Liabilities in Direct Financing Leases Payable Expenses Provision for Income Tax Liabilities in Deferred Tax Other Liabilities Subordinated Loans a. Related Parties b. Others Capital Loans a. Related Parties b. Others Minority Interest Equity a. Paid Up Capital b. Agio ( Disagio ) c. Prepaid Capital d. Donation Capital e. Cummulative Translation Adjustment f. Revaluation Increment in Premises and Equipment g. Difference in value arising fr restructuring of entities under common control h. Unrealized Gains/Losses of Securities
3,263,631 1,718,373 994,627 3,988,836 8,417 15,078,536 29,056 1,477,271 5 292,905 -
2,884,595 1,646,550 979,878 3,048,034 2,240 12,970,653 14,431 1,846,286 1,805 142,854 -
3,257,631 1,717,722 1,025,931 4,001,961 650 15,131,035 11,315 1,477,271 5 290,676 -
2,882,348 1,643,761 995,641 3,055,728 1,240 13,023,241 11,914 1,844,520 1,805 141,540 -
3,190 205,935 8,500 -
903 85,795 6,460 -
3,190 205,935 8,500 -
903 85,795 6,460 -
734,498 263,046 27,924 60,017 1,031,716 1,300,534 9,067,496 43,574 (3,240,518)
770,300 182,895 36,721 85,759 1,314,530 1,300,534 9,067,496 43,574 (3,240,518)
735,377 263,046 27,924 224 60,374 2,499 1,070,840 45,293 1,300,534 9,067,496 43,574 (3,240,518)
771,235 182,895 36,721 245 86,171 2,255 1,355,245 41,085 1,300,534 9,067,496 43,574 (3,240,518)
(584)
(1,727)
(584)
(1,727)
(4,965,406)
(5,797,826)
(4,965,406)
(5,797,826)
i. Other Comprehensive Income j. Retained Earnings
31,391,579
27,392,222
31,542,495
27,542,281
TOTAL LIABILITIES & STOCKHOLDER'S EQUITY
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN LABA-RUGI DAN SALDO LABA KONSOLIDASI
CONSOLIDATED STATEMENTS OF INCOME
Untuk periode 9 bulan yang berakhir pada tanggal 30 September 2004 (Tidak Diaudit)
For Period of January 1 to September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) No.
1.
2.
3.
4. 5. 6. 7.
8. 9. 10. 11. 12.
13. 14. 15. 16. 17. 18.
POS-POS PENDAPATAN DAN BEBAN OPERASIONAL Pendapatan Bunga 1.1. Hasil bunga a. Rupiah b. Valuta asing 1.2. Provisi dan komisi a. Rupiah b. Valuta asing Jumlah Pendapatan Bunga Beban Bunga 2.1. Beban bunga a. Rupiah b. Valuta asing 2.2. Komisi dan provisi Jumlah Beban Bunga Pendapatan Bunga Bersih Pendapatan Operasional Lainnya 3.1. Pendapatan provisi, komisi, fee 3.2. Pendapatan transaksi valuta asing 3.3. Pendapatan kenaikan nilai surat berharga 3.4. Pendapatan premi 3.5 Pendapatan lainnya Jumlah Pendapatan Operasional Lainnya Beban (Pendapatan) Penghapusan Aktiva Produktif Beban (Pendapatan) Penghapusan Aktiva Lainnya Beban Estimasi Kerugian Komitmen & Kontinjensi Beban Operasional Lainnya 7.1. Beban administrasi dan umum 7.2. Beban personalia 7.3. Beban penurunan nilai surat berharga 7.4. Beban transaksi valas 7.5. Beban lainnya Jumlah Beban Operasional Lainnya LABA ( RUGI ) OPERASIONAL PENDAPATAN DAN BEBAN NON OPERASIONAL Pendapatan Non Operasional Beban Non Operasional Pendapatan ( Beban ) Non Operasional Pendapatan/Beban Luar Biasa LABA/RUGI SEBELUM PAJAK PENGHASILAN Taksiran Pajak Penghasilan -/Tahun berjalan Ditangguhkan *) LABA/RUGI TAHUN BERJALAN Hak Minoritas -/Saldo Laba (Rugi) Awal Tahun Dividen Lainnya SALDO LABA ( RUGI ) AKHIR PERIODE LABA BERSIH PER SAHAM ( dalam satuan Rupiah )
( in million Rupiah) BANK 30.09.2004
CONSOLIDATED 30.09.2003
30.09.2004
DESCRIPTIONS
30.09.2003
1,871,453 130,798 142,887 8,278 2,153,416
2,233,246 137,529 99,747 5,535 2,476,057
1,888,840 130,829 143,580 8,278 2,171,527
2,248,714 137,967 100,418 5,535 2,492,634
975,310 20,853 16,082 1,012,245 1,141,171
1,628,781 56,955 5,479 1,691,215 784,842
978,852 20,305 16,293 1,015,450 1,156,077
1,635,115 56,775 5,479 1,697,369 795,265
111,224 33,304 3,869 84,110 232,507 60,477
93,622 32,029 80,527 35,977 242,155 168,368
112,331 33,414 3,587 24,381 85,034 258,747 60,971
94,970 31,341 80,837 25,229 36,829 269,206 168,590
-
76,036
-
76,036
(6,747)
4,991
(6,747)
4,991
430,046 441,848 97,884 969,778
268,216 272,207 81,403 621,826
435,574 453,221 106,851 995,646
273,826 281,440 92,753 648,019
350,170
155,776
364,954
166,835
192,957 27,093 165,864 516,034
104,557 51,039 53,518 209,294
187,890 27,161 160,729 525,683
100,144 51,053 49,091 215,926
27,256 488,778 (5,454,184) (4,965,406) 63.1
(5,153) 214,447 (6,012,273) (5,797,826) 27.7
4,160 26,964 494,559 5,400 (5,454,184) (4,965,025) 63.1
2,485 (5,383) 218,824 3,139 (6,012,273) (5,796,588) 27.7
OPERATING INCOME AND EXPENSES Interest Income 1.1. Interest Income a. Rupiah b. Foreign Exchange 1.2. Fees and Commissions a. Rupiah b. Foreign Exchange Total Interest Income Interest Expenses 2.1. Interest Expenses a. Rupiah b. Foreign Exchange 2.2. Other Expenses Total Interest Expenses Net Interest Income Other Operating Income 3.1. Other Provision, Commissions and Fees 3.2. Foreign Exchange Income 3.3. Increase in Securities Trading Value Income 3.4. Premium Income 3.5 Others Total Other Operating Income Provision for Possible Losses on Earning Assets Provision for Possible Losses on Other Assets Estimation for Losses on Commitment & Contingencies Other Operating Expenses 7.1. General & Administrative Expenses 7.2. Personnel Expenses 7.3. Decline in Securities Value Expenses 7.4. Foreign Exchange Expenses 7.5. Other Expenses Total Other Operating Expenses NET OPERATING INCOME NON OPERATING INCOME AND EXPENSES Non Operating Income Non Operating Expenses Net Non Operating Income (Expenses) Extraordinary Income (Expenses) PROFIT/LOSS BEFORE TAX Provision for Income Tax -/- Current - Deferred*) NET INCOME Minority Interest -/Retained Earnings - Beginning Balance Cash Dividends Others RETAINED EARNINGS - Ending Balance EARNING PER SHARE (in Indonesian Rupiah)
3
PT BANK PERMATA TBK KUALITAS AKTIVA PRODUKTIF DAN INFORMASI LAINNYA Per 30 September 2004 dan 2003 (Tidak Diaudit) (dalam jutaan Rupiah) POS-POS
30 September 2004
Current
Special Mention
Substandard
Doubtful
Loss
Total
A.
Pihak Terkait
8,377,508
-
-
6,025
-
8,383,533
1. 2.
9,729 8,299,305
-
-
-
-
9,729 8,299,305
5. 6.
Penempatan pada bank lain Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia* Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit Tagihan lain kepada pihak ketiga Komitmen dan Kontinjensi kepada pihak ketiga
5,848 5,848 62,626 62,626 -
-
-
6,025 3,617 2,408 -
-
5,848 5,848 68,651 66,243 2,408 -
B.
Pihak Tidak Terkait
17,530,417
1,311,654
547,823
138,079
295,700
19,823,673
1. 2.
Penempatan pada bank lain Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit Tagihan lain kepada pihak ketiga Komitmen dan Kontinjensi kepada pihak ketiga
1,458,055 4,329,662
-
-
-
6,064 9,081
1,464,119 4,338,743
11,106,275 1,650,099 1,970,822 1,970,822 69,984 7,415,370 4,980 4,980 203,887 427,558
1,309,654 426,772 77,431 77,431 622,499 182,952 2,000
536,123 12,362 8,045 8,045 477,748 37,968 11,700 11,700 -
138,079 5,541 4,369 4,369 101,520 26,649 -
202,008 21,863 17,804 17,804 6,440 155,901 55,697 697 55,000 22,850
13,292,139 2,116,637 2,078,471 2,078,471 1,278,191 7,818,840 72,377 5,677 66,700 203,887 452,408
25,907,925
1,311,654
547,823
144,104
295,700
28,207,206
137,665 189,878 14.85%
65,583 252,570 32.59%
72,779 353,963 2.31%
45,718 88,959 4.01%
249,929 274,929 10.82%
571,674 1,160,299 -
3.
4.
3.
4.
5. 6.
JUMLAH 7. 8. 9.
PPAP yang wajib dibentuk PPAP yang telah dibentuk Total asset bank yang dijaminkan a. Pada Bank Indonesia b. Pada Pihak Lain 10. Persentase KUK terhadap total kredit 11. Persentase Jumlah Debitur KUK terhadap Total Debitur
*Merupakan obligasi pemerintah dalam rangka rekapitalisasi dan peleburan usaha
4
15.92% 45.18%
PT BANK PERMATA TBK EARNING ASSETS QUALITY as of September 30, 2004 and 2003 (Unaudited) ( in million Rupiah) 30 September 2003 Current
Special Mention
Substandard
Doubtful
Loss
DESCRIPTIONS
Total
10,164,694
-
6,025
-
-
10,170,719
A.
Related Parties
8,969 10,087,504
-
-
-
-
8,969 10,087,504
1. 2.
Placement with Other Banks Marketable Securities *
3,995 3,995 64,226 64,226 -
-
6,025 3,617 2,408 -
-
-
3,995 3,995 70,251 67,843 2,408 -
3.
5. 6.
Loans a. Small Business b. Property Loans i. Restructured Loans ii. Unrestructured Loans c. Other Restructured Loans d. Others Investment in Related Parties a. Financial Institutions (Non Bank) b. Loan Restructuring Program Other Receivables Commitment and Contingencies
12,126,533
1,395,571
309,660
182,947
1,071,911
15,086,622
B.
Third Parties
1,728,689 3,552,610
-
-
-
6,063 8,336
1,734,752 3,560,946
1. 2.
Placement with Other Banks Marketable Securities
6,537,307 1,561,539 801,285 801,285 6,004 4,168,479 4,958 4,958 82,839 220,130
1,112,660 645,613 50,766 50,766 7,953 408,328 12,500 12,500 270,411
309,660 118,390 5,252 5,252 11,874 174,144 -
182,947 8,357 7,082 7,082 167,508 -
980,250 88,757 31,397 31,397 2,801 857,295 56,263 1,263 55,000 20,999
3.
Loans a. Small Business b. Property Loans i. Restructured Loans ii. Unrestructured Loans c. Other Restructured Loans d. Others Investment in Third Parties a. Financial Institutions (Non Bank) b. Loan Restructuring Program Other Receivables Commitment and Contingencies
22,291,227
1,395,571
315,685
182,947
1,071,911
9,122,824 2,422,656 895,782 895,782 28,632 5,775,754 73,721 6,221 67,500 82,839 511,540 25,257,341
92,768 152,768 -
69,779 119,779 -
33,056 133,056 -
71,965 121,965 -
664,812 994,780 -
932,380 1,522,348 -
7. 8. 9.
23.87%
58.02%
38.23%
4.57%
9.05%
26.54% 52.57%
4.
4.
5. 6.
TOTAL Compulsory Allowance for Earning Asset Losses Established Allowance for Earning Asset Losses Total for Guaranteed Bank Assets a. In Bank Indonesia b. In Third Parties 10. Small Business to Total Loans (%) 11. Small Business Debtors to Total Debtors (%) *Government bond in the frame of recapitalization and merger
5
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI
STATEMENT OF COMMITMENTS AND CONTINGENCIES
Per 30 September 2004 dan 2003 (Tidak diaudit)
as of September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) POS-POS
No.
1.
2.
1.
2. 3.
1.
2.
3.
1.
2. 3.
6
( in million Rupiah) BANK 30.09.2004
CONSOLIDATED 30.09.2003
30.09.2004
DESCRIPTIONS
30.09.2003
KOMITMEN
COMMITMENTS
Tagihan Komitmen Fasilitas pinjaman yang diterima dan belum digunakan a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Komitmen
Commitment Receivables Unused Fund Borrowings Facilities
Kewajiban Komitmen Fasilitas kredit kepada nasabah yang belum ditarik a. Rupiah b. Valuta asing Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Komitmen JUMLAH KOMITMEN BERSIH
-
-
-
-
a. Rupiah b. Foreign Exchange Others Total Commitment Receivables Commitment Payables Unused Loan Facilities Granted
2,667,968 143,969
1,939,571 303,356
2,669,934 143,969
1,939,571 303,356
189,774
65,509
189,774
65,509
38,337 3,040,048 (3,040,048)
2,308,436 (2,308,436)
38,337 3,042,014 (3,042,014)
2,308,436 (2,308,436)
a. Rupiah b. Foreighn Exhange Outstanding Irrevocable Letters of Credit for Import and Export Others Total Commitment Payables TOTAL NET COMMITMENTS
KONTINJENSI
CONTINGENCIES
Tagihan Kontinjensi Garansi yang diterima a. Rupiah b. Valuta asing Pendapatan bunga dalam penyelesaian a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Kontinjensi
Contingenciy Receivables Bank Guarantees Received a. Rupiah b. Foreign Currencies Interest Receivables on Non-Performing Loans a. Rupiah b. Foreign Currencies Others Total Contingencies Receivables
Kewajiban Kontinjensi Garansi yang diberikan a. Bank garansi - Rupiah - Valuta asing b. Lainnya Revocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Kontinjensi JUMLAH KONTINJENSI BERSIH
-
-
-
-
33,072 13,774 46,846
39,062 108,929 147,991
35,182 13,774 48,956
39,062 108,929 147,991
174,698 85,992 1,944 262,634 (215,788)
117,657 326,818 1,556 446,031 (298,040)
174,698 85,992 1,944 262,634 (213,678)
117,657 326,818 1,556 446,031 (298,040)
Contingency Payables Guarantees Issued in the forms of: a. Bank Guarantees - Rupiah - Foreign Currencies b. Others Outstanding Revocable Letters of Credit for Import and Export Others Total Contingency Payables TOTAL NET CONTINGENCIES
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM
CALCULATION OF CAPITAL ADEQUACY RATIO
Per 30 September 2004 dan 2003 (Tidak diaudit)
as of September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) KETERANGAN I.
B.
II. III. IV. V. VI.
KOMPONEN MODAL A. MODAL INTI 1. Modal Disetor 2. Cadangan Tambahan Modal ( Disclosed Reserves ) a. Agio Saham b. Disagio ( -/- ) c. Modal Sumbangan d. Cadangan Umum dan Tujuan e. Laba tahun-tahun lalu setelah diperhitungkan pajak f. Rugi tahun-tahun lalu ( -/- ) g. Laba tahun berjalan setelah diperhitungkan pajak ( 50% ) h. Rugi tahun berjalan ( -/- ) i. Selisih penjabaran laporan keuangan Kantor Cabang Luar Negeri 1) Selisih lebih 2) Selisih kurang ( -/- ) j. Dana Setoran Modal k. Penurunan nilai Penyertaan pada portofolio tersedia untuk dijual (-/-) i. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali 3. Goodwill ( -/- ) MODAL PELENGKAP ( Maks. 100 % dari Modal Inti ) 1. Cadangan Revaluasi Aktiva Tetap 2. Cadangan Umum Penyisihan Penghapusan Aktiva Produktif/ PPAP (maks. 1,25% dari ATMR) 3. Modal Pinjaman 4. Pinjaman Subordinasi (maks. 50% dari Modal Inti) 5. Peningkatan harga saham pada portofolio tersedia untuk dijual (45%)
TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B) PENYERTAAN ( -/- ) TOTAL MODAL ( II - III ) AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA ( IV:V ) VII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG DIWAJIBKAN
( in million Rupiah) BANK*)
30.09.2004
30.09.2003
1,523,075 1,300,534
835,224 1,300,534
9,067,496 (5,690,761) (3,412,212) 258,018 -
9,067,496 (6,223,511) (3,412,213) 104,645 -
-
-
-
-
-
(1,727)
353,639 43,574 186,837
329,133 43,574 134,617
123,228 -
150,942 -
1,876,714 77,335 1,799,379 14,946,945 12.0%
1,164,357 81,227 1,083,130 10,769,362 10.1%
8.0%
8.0%
I.
COMPONENTS A. CORE CAPITAL 1. Paid Up Capital 2. Disclosed Reserves a. Agio b. Disagio ( -/- ) c. Donated Capital d. General and Appropriated Reserves e. Previous Years Profit After Tax f. Previous Years Losses (-/-) g. Current Year Profit after Tax ( 50% ) h. Current Year Losses ( -/- ) i. Translation Adjustment of Overseas Branch Office Financial Statement 1) Positive Adjustment 2) Negative Adjustment ( -/- ) j. Funds for Paid Up Capital k. Loss in Value of Equity Participation in Portfolio Available for Sale (-/-) i. Difference in Value fr. Restructuring of Entities Under Common Control 3. Goodwill ( -/- )
B.
SUPPLEMENTARY CAPITAL ( Max. 100 % of Core Capital) 1. Reserves of Fixed Asset Revaluation 2. General Reserves of Allowance for Earning Asset (max. 1,25% of Risk Weighted Assets) 3. Loan Capital 4. Subordinated Loan (max 50% of Core Capital) 5. Gain in Value of Equity Participation in Portfolio Available for Sale (45%)
II. III. IV. V. VI.
TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B) EQUITY PARTICIPATIONS ( -/- ) TOTAL CAPITAL ( II - III ) RISK-WEIGHTED ASSET ESTABLISHED CAPITAL ADEQUACY RATIO (IV:V)
VII. REQUIRED CAPITAL ADEQUACY RATIO
*) Disajikan dengan tidak memperhitungkan dampak aktiva pajak tangguhan sesuai dengan Peraturan Bank Indonesia No.3/21/PBI/2001 tanggal 13 Desember 2001. *) Presented without calculating the effect of deferred tax asset with respect to Bank Indonesia's regulation No.3/21/PBI/2001 dated 13 December 2001.
7
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN RASIO KEUANGAN
FINANCIAL RATIO
Per 30 September 2004 dan 2003 (Tidak Diaudit)
as of September 30, 2004 and 2003 (Unaudited) BANK
RASIO (%)
No.
30.09.2004
Permodalan 1. CAR 2. Aktiva tetap terhadap modal Aktiva Produktif 1. Aktiva produktif bermasalah 2. NPL Gross 3. NPL Net 4. PPAP terhadap aktiva produktif 5. Pemenuhan PPAP Rentabilitas 1. ROA 2. ROE 3. NIM 4. BOPO Likuiditas LDR Kepatuhan (Compliance) 1. a. Persentase Pelanggaran BMPK 1. Pihak Terkait 2. Pihak Tidak Terkait b. Persentase Pelampauan BMPK 1. Pihak Terkait 2. Pihak Tidak Terkait 2. GWM Rupiah 3. PDN
I.
II.
III.
IV. V.
12.0% 56.2%
10.1% 93.3%
3.5% 6.6% 1.9% 4.1% 203.0%
6.2% 16.1% 3.5% 3.5% 163.3%
2.3% 47.0% 5.7% 85.3%
1.0% 24.4% 4.0% 94.3%
52.0%
40.7%
0.0% 0.0%
0.0% 0.0%
0.0% 0.0% 7.0% 7.1%
0.0% 8.2% 5.2% 5.3%
PENGURUS BANK/MANAGEMENT
Komisaris Utama/President Commissioner Komisaris/Commissioner Komisaris/Commissioner Komisaris/Commissioner Komisaris/Commissioner Komisaris Independen/ Independent Commissioner Komisaris Independen/ Independent Commissioner
Capital 1. CAR 2. Fixed Assets to Capital Earning Assets 1. Non-Performing Earning Assets 2. NPL Gross 3. NPL Nett 4. Allowance for Earning Assets Losses to Earning Assets 5. Compliance of Allowance for Earning Assets Losses Rentability 1. ROA 2. ROE 3. NIM 4. Operating Expenses to Operating Revenues Liquidity LDR Compliance 1. a. Percentage Violation of Legal Lending Limit (LLL) 1. Related Parties 2. Non-Related Parties b. Percentage of LLL excess 1. Related Parties 2. Non-Related Parties 2. Reserve Requirement (Rupiah) 3. Net Open Position
PEMILIK BANK/OWNER
DEWAN KOMISARIS/BOARD OF COMMISSIONERS
RATIO (%)
30.09.2003
: : : : : :
DR. Aditiawan Chandra Dradjat Bagus Prasetyo DR. Ir. Lukita D. Tuwo Deswandhy Agusman Rachmat Saptaman DR. Tirta Hidayat
: Ichsanuddin Noorsy
Menteri Keuangan Republik Indonesia* Ministry of Finance Republic of Indonesia* Masyarakat Public Jumlah Total
DIREKSI/BOARD OF DIRECTORS
Direktur Utama/President Director Wakil Direktur Utama/ Deputy President Director Direktur Kepatuhan/Compliance Director Direktur/Director Direktur/Director Direktur/Director Direktur/Director Direktur/Director
: Agus D.W. Martowardojo : Chandra Purnama : : : : : :
Elvyn Gahadi Masassya Joseph Georgino Godong Andrew Hardi Hanubrata Ongki Wanadjati Dana Mahdi Syahbuddin Irman Alvian Zahiruddin
*Pemegang saham pengendali/Controlling shareholders
8
97.17 %
2.83 %
100.00 %
PT BANK PERMATA TBK
PT BANK PERMATA TBK
TRANSAKSI VALUTA ASING DAN DERIVATIF
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE
Per 30 September 2004 dan 2003 (Tidak diaudit)
as of September 30, 2004 and 2003 (Unaudited)
(dalam jutaan Rupiah) No.
TRANSACTION
( in million Rupiah) Market Value of the Contract
Hedging A. 1. 2. 3.
4. 5. 6. B. 1. 2.
Related to Exchange Rate Spot Forward Option a. Purchased b. Written Future Swap Others
3. 4. 5.
Related to Interest Rate Forward Option a. Purchased b. Written Future Swap Others
C.
Others JUMLAH/TOTAL
Catatan : - Informasi keuangan ini disusun berdasarkan laporan keuangan konsolidasi untuk sembilan bulan yang berakhir pada tanggal 30 September 2004 dan 2003 (tidak diaudit), serta dilakukan beberapa penyesuaian untuk memenuhi Peraturan Bank Indonesia No. 3/22/PBI/2001 tanggal 13 Desember 2001 tentang Transparansi Kondisi Keuangan Bank, Surat Edaran Bank Indonesia No. 3/30/DPNP tanggal 14 Desember 2001 tentang Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang disampaikan kepada Bank Indonesia, dan Peraturan No. VIII.G.7 Lampiran Keputusan Ketua Bapepam No.Kep-06/PM/2000 tanggal 13 Maret 2000 tentang Pedoman Penyajian Laporan Keuangan jo. Surat Edaran Ketua Bapepam No. SE-02/PM/2002 tanggal 27 Desember 2002 tentang Pedoman Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik, Peraturan No. VIII.G.II Lampiran Keputusan Ketua Bapepam No. Kep 40/PM/2003 tanggal 22 Desember 2003 tentang Tanggung Jawab Direksi Atas Laporan Keuangan dan Peraturan No. I - E.Lampiran Keputusan Direksi PT Bursa Efek Jakarta No. Kep-306/BEJ/07-2004 tanggal 19 Juli 2004 tentang Kewajiban Penyampaian Informasi.
Others
Derivative Receivables and Payables
Receivables
Contract Value with Netting Agreement
Payables
-
171,486
624
942
-
-
723,740 -
2,206 -
2,248 -
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
895,226
2,830
3,190
-
Note : - This financial statement is based on financial report for nine months period ended September 30, 2004 and 2003 (unaudited) with several adjustment to comply with Regulation of Bank Indonesia No.3/22/PBI dated 13 December 2001 re: Financial Transparency Condition for Banks, Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 Dec 2001 re: Monthly and Quarterly Published Financial Statement of Commercial Bank, and Specific Report to Bank Indonesia, Rule No. VIII.G.7 attached to Decision Letter of the Capital Market Supervisory Agency (Bapepam) No. Kep-06/PM/2000 re: Guidelines of the Presentation of Financial Statements, Circular Letter of the Chairman of Bapepam No. SE-02/PM/2002 re: Guidelines of the Presentation and Disclosure of Listed Company's Financial Statements, and Rule No. X.K.2 Decision of the Director of PT Bursa Efek Jakarta No. Kep-01/BEJ/1992 dated February 17, 1992, re: Rule of the Jakarta Stock Exchange.
- Menteri Keuangan Republik Indonesia qq Negara Republik Indonesia adalah ultimate shareholder sesuai Peraturan Bank Indonesia No.5/25/PBI/2003 tanggal 10 November 2003 tentang Penilaian Kemampuan dan Kepatutan.
- Minister of Finance qq Negara Republik Indonesia is the ultimate shareholder refer to Regulation of Bank Indonesia No. 5/25/PBI/2003 dated 10 November 2003 re: Fit and Proper Test. . - For comparation purpose, a number of account in the financial report for 30 September 2003 had been reclassified to be align with the financial report for 30 September 2004.
- Untuk tujuan perbandingan, beberapa akun dalam informasi keuangan Tanggal 30 September 2003 telah direklasifikasi agar sesuai dengan penyajian akun di dalam informasi keuangan tanggal 30 September 2004.
- The exchange rates: 30 September 2004 30 September 2003
: 1 USD = Rp. 9.140 : 1 USD = Rp. 8.390
- Kurs tukar valuta asing yang digunakan adalah sebagai berikut : 30 September 2004 : 1 USD = Rp. 9.140 30 September 2003 : 1 USD = Rp. 8.390
9
