PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2003 dan 2002 ( Tidak Diaudit )
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2003 and 2002 (Unaudited)
(dalam jutaan rupiah) No
(in million rupiah) POS - POS
BANK 30.03.2003
AKTIVA 1. Kas 2. Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya 3. Giro pada bank lain a. Rupiah b. Valuta asing 4. Penempatan pada bank lain a. Rupiah b. Valuta asing PPAP - Penempatan pada bank lain -/5. 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 -/6. Obligasi Pemerintah a. Diperdagangkan b. Tersedia untuk dijual c. Dimiliki hingga jatuh tempo 7. 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)-/8. Tagihan derivatif PPAP - Tagihan derivatif -/9. 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 -/10. Tagihan akseptasi PPAP - Tagihan akseptasi -/11. Penyertaan PPAP - Penyertaan -/12. Pendapatan yang masih akan diterima 13. Biaya dibayar dimuka 14. Uang muka pajak 15. Aktiva pajak tangguhan 16. Aktiva tetap Akumulasi penyusutan aktiva tetap -/17. Aktiva sewa guna usaha Akumulasi penyusutan aktiva sewa guna usaha -/18. Agunan yang diambil alih 19. Aktiva lain-lain JUMLAH AKTIVA
30.03.2002
CONSOLIDATED 30.03.2003 30.03.2002
361,604
518,354
361,911
1,332,709 2,393,697 7,500
1,354,090 2,100,000
1,332,709 2,415,697 7,500
2,891 76,744
9,431 97,583
16,701 78,137
388,956 379,089 (94,499)
4,432 432,611 (91,464)
425,892 408,249 (94,513)
14,234 10,711 106,172
43,128 12,048 101,972
23,949 13,727 106,172
1,266,131 329,864 (32,240)
1,275,640 879 302,200 (31,430)
1,266,131 329,864 (32,240)
2,775,864 632,412 8,270,674
2,775,771 645,116 8,270,674
2,775,864 641,944 8,270,674
650 (6)
2,082 (21)
650 (6)
3,602 6,652,112
9,268 6,815,352
5,003 6,720,742
1,763,833 (1,420,932) 97,098 (1,025) 151,814 (57,597) 365,676 32,385 19 382,932 1,022,859 (295,799) 467,096 726,283
2,102,693 (1,718,270) 57,038 (4,316) 150,140 (57,581) 372,322 32,958 19 382,934 1,013,646 (289,176) 467,227 716,182
1,763,833 (1,421,509) 97,098 (1,025) 85,726 (57,597) 368,207 33,492 295 384,215 1,031,480 (300,331) 467,287 750,927
28,113,513
27,873,532
28,276,855
DESCRIPTIONS
ASSETS 518,633 Cash Placement with Bank Indonesia 1,354,090 a. Current Account with Bank Indonesia 21,000 b. Certificates of Bank Indonesia 2,100,000 c. Others Current Account with Other Banks 20,108 a. Rupiah 99,216 b. Foreign Currencies Placements with Other Banks 37,347 a. Rupiah 461,008 b. Foreign Currencies (91,476) Provision for Possible Losses -/Marketable Securities a. Rupiah 53,000 i. Trading 12,048 ii. Available for Sale 101,972 iii. Held to Maturity b. Foreign Currencies 1,275,640 i. Trading 879 ii. Available for Sale 302,200 iii. Held to Maturity (31,430) Provision for Possible Losses -/Government Bond 2,775,771 a. Trading 645,116 b. Available for Sale 8,270,674 c. Held to Maturity Securities Purchased under Repurchase Agreement - a. Rupiah - b. Foreign Currencies - Provision for Possible Losses -/2,082 Derivative Receivables (21) Provision for Possible Losses -/Loans a. Rupiah 10,839 i. Related Parties 6,970,646 ii. Third Parties b. Valuta asing i. Related Parties 2,017,505 ii. Third Parties (1,718,919) Provision for Possible Losses -/57,038 Acceptance Receivables (4,316) Provision for Possible Losses -/85,632 Investment (57,581) Provision for Possible Losses -/375,131 Account Receivables 34,169 Prepaid Expenses 135 Prepaid Taxes 385,620 Deffered Tax Assets 1,022,076 Premises and Equipment (293,383) Accumulated Depreciation -/- Leased Assets - Accumulated Depreciation -/467,426 Foreclosed Assets 747,657 Other Assets 28,027,532
TOTAL ASSETS
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2003 dan 2002 ( Tidak Diaudit )
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2003 and 2002 (Unaudited)
(dalam jutaan rupiah) No
(Rupiah in million) POS - POS
BANK 30.03.2003
PASIVA 1. Giro a. Rupiah b. Valuta asing 2. Kewajiban segera lainnya 3. Tabungan 4. Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain 5. Sertifikat deposito a. Rupiah b. Valuta asing 6. Simpanan dari bank lain 7. Surat berharga yang dijual dengan janji dibeli kembali (repo) 8. Kewajiban derivatif 9. Kewajiban akseptasi 10. Surat berharga yang diterbitkan a. Rupiah b. Valuta asing 11. 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 12 Estimasi kerugian komitmen & kontinjensi 13. Kewajiban sewa guna usaha 14. Beban yang masih harus dibayar 15. Taksiran pajak penghasilan 16. Kewajiban pajak tangguhan 17. Kewajiban lain-lain 18. Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain 19. Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain 20. Hak minoritas 21. Ekuitas a. Modal disetor b. Agio ( Disagio ) c. Modal sumbangan d. Selisih penjabaran laporan keuangan e. Selisih penilaian kembali aktiva tetap f. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali g. Laba ( rugi ) yang belum direalisasi dari surat berharga h. Pendapatan komprehensif lainnya i. Saldo laba ( rugi ) JUMLAH PASIVA
CONSOLIDATED 30.03.2003 30.03.2002
30.03.2002
DESCRIPTIONS
2,274,355 1,431,974 904,171 2,721,977
2,557,058 1,617,793 1,070,477 2,725,014
2,269,665 1,430,846 926,683 2,729,535
2,554,036 1,617,660 1,095,353 2,731,289
4,824 14,195,862
4,232 13,456,756
1,700 14,258,998
4,232 13,510,322
17,540 1,577,039
12,620 1,470,387
13,086 1,577,039
12,620 1,462,303
2,005 51,654 131 73,360
1,994 129,624 57,038
2,005 51,654 131 73,360
1,994 128,798 57,038
455,601 8,698
403,809 8,969
455,601 8,698
403,809 8,969
-
-
-
-
972,555
869,628
973,122
870,473
530,945 17,489 127,157 1,481,168
604,452 17,221 126,928 1,582,280
530,945 17,489 127,690 833 1,520,343
604,452 17,221 127,497 883 1,621,763
-
-
-
-
-
-
42,424
39,568
1,300,534 9,067,496 43,574
1,300,534 9,067,496 43,574
1,300,534 9,067,496 43,574
1,300,534 9,067,496 43,574
LIABILITIES & STOCKHOLDERS' EQUITY Demand Deposits a. Rupiah b. Foreign Exchange Other Current Liabilities Saving Deposits Simpanan berjangka 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. Donation Capital d. Cummulative Translation Adjustment e. Revaluation Increment in Premises and Equipment
(3,240,520) 3,908 (5,909,984)
(3,240,518) (1,561) (6,012,273)
(3,240,520) 3,908 (5,909,984)
(3,240,518) (1,561) (6,012,273)
g. Unrealized Gains/Losses of Securities h. Other Comprehensive Income i. Retained Earnings
27,392,222
31,806,949
27,542,280
31,952,182
f. Difference in value arising fr restructuring of entities under common control
TOTAL LIABILITIES & STOCKHOLDER'S EQUITY
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN LABA - RUGI DAN SALDO LABA KONSOLIDASI Untuk periode 9 bulan yang berakhir pada tanggal 31 Maret 2003 dan 2002 (Tidak diaudit) (dalam jutaan rupiah) No POS - POS BANK 30.03.2003 30.03.2002 PENDAPATAN DAN BEBAN OPERASIONAL 1. Pendapatan Bunga 1.1. Hasil bunga a. Rupiah 822,191 1,865,949 b. Valuta asing 39,265 157,332 1.2. Provisi dan komisi 31,489 74,960 a. Rupiah b. Valuta asing 127 2,408 Jumlah Pendapatan Bunga 893,072 2,100,649 2. Beban Bunga 2.1. Beban bunga 627,027 1,633,615 a. Rupiah b. Valuta asing 23,529 79,166 2.2. Komisi dan provisi 706 5,671 Jumlah Beban Bunga 651,262 1,718,452 Pendapatan Bunga Bersih 241,810 382,197 3. Pendapatan Operasional Lainnya 3.1. Pendapatan provisi, komisi, fee 29,755 103,060 3.2. Pendapatan transaksi valuta asing 10,607 26,668 3.3. Pendapatan kenaikan nilai surat berharga 10,012 53,966 3.4. Pendapatan lainnya 6,005 38,477 Jumlah Pendapatan Operasional Lainnya 56,379 222,171 4. Beban (Pendapatan) Penghapusan Aktiva Produktif 42,212 342,208 5. 6.
7. 8. 9. 10 11.
12. 13. 14. 15. 16. 17.
Beban Estimasi Kerugian Komitmen & Kontinjensi Beban Operasional Lainnya 6.1. Beban administrasi dan umum 6.2. Beban personalia 6.3. Beban penurunan nilai surat berharga 6.4. Beban transaksi valas 6.5. 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 )
CONSOLIDATED 30.03.2003 30.03.2002
828,776 39,507
1,888,197 157,603
31,730 127 900,140
76,519 2,408 2,124,727
629,645 23,484 706 653,835 246,305
1,643,887 79,019 5,672 1,728,578 396,149
30,318 10,508 10,096 17,432 68,354
102,925 24,946 57,350 76,505 261,726
42,212
(22,801)
13,022
(22,801)
85,397 81,906 24,685 191,988
294,519 281,064 3,207 555,549 1,134,339
87,405 85,358 43 28,903 201,709
(169,188)
(1,147,361)
(178,908)
15,582 83 15,499 (153,688)
80,840 52,205 28,635 (1,118,726)
14,474 87 14,387 (164,521)
(153,688) (6,012,273) (5,909,984) (0.8)
(48,345) (1,070,381) (5,204,052) (6,274,433) (8.0)
1,407 (165,928) 4,230 (6,012,273) (6,182,431) (0.9)
CONSOLIDATED STATEMENTS OF INCOMES For Period of January 1 to March 31, 2003 and 2002 (Unaudited) (Rupiah in million) DESCRIPTIONS 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 Expense 2.1. Interest Expense a. Rupiah b. Foreign Exchange 2.2. Other Expense Total Interest Expense 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. Others Total Other Operating Income
342,336 Provision for Possible Losses on Earning Assets Provision for Possible Losses on Other Assets 13,022 Estimation for Losses on Commitment & Contingencies Other Operating Expenses 301,947 6.1. General & Administrative Expenses 293,573 6.2. Personnel Expenses 3,207 6.3. Decline in Securities Value Expenses - 6.4. Foreign Exchange Expenses 574,264 6.5. Other Expenses 1,172,991 Total Other Operating Expenses (1,186,013) NET OPERATING INCOME NON OPERATING INCOME AND EXPENSE 74,880 Non Operating Income 52,261 Non Operating Expenses 22,619 Net Non Operating Income (Expense) - Extraordinary Income (Expense) (1,163,394) PROFIT/LOSS BEFORE TAX Provision for Income Tax -/3,580 - Current (49,757) - Deferred*) (1,117,217) NET INCOME 6,543 Minority Interest -/(5,204,052) Retained Earnings - Beginning Balance - Cash Dividends - Others (6,327,812) RETAINED EARNINGS - Ending Balance (8) EARNING PER SHARE (in Indonesian Rupiah)
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI Per 31 Maret 2003 dan 2002 ( Tidak Diaudit )
STATEMENT OF COMMITMENTS AND CONTINGENCIES as of March 31, 2003 and 2002 (Unaudited) (Unaudited) (Rupiah in million) BANK
No
1.
2.
1.
2. 3.
1.
2.
3.
1.
2. 3.
POS - POS
30.03.2003
CONSOLIDATED 30.03.2003 30.03.2002
30.03.2002
DESCRIPTIONS
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 a. Rupiah b. Foreign Exchange Others Total Commitment Receivables
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
-
-
-
1,578,703 224,572
1,749,066 212,116
1,578,703 224,572
1,749,066 212,116
71,783 1,875,058 (1,875,058)
41,273
71,783 1,875,058 (1,875,058)
41,273
2,002,455 (2,002,455)
2,002,455 (2,002,455)
Commitment Payables Unused Loan Facilities Granted 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
-
-
-
-
97,729 99,480 197,209
89,519 87,031 176,550
97,729 99,480 197,209
89,519 87,031 176,550
106,009 343,971 3,395
122,255 327,523 1,359
106,009 343,971 3,395
122,255 327,523 1,359
453,375 (256,166)
451,137 (274,587)
453,375 (256,166)
451,137 (274,587)
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 K U A L I T A S A K T I V A P R O D U K T I F DAN I N F O R M A S I L A I N N Y A Per 31 Maret 2003 dan 2002 ( Tidak Diaudit ) (dalam jutaan rupiah) Pos - Pos Current Pihak Terkait 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
Special Mention
30 March 2003 Substandard Doubtful
Loss
Total
75,669
-
6,025
-
-
8,518 3,602
-
-
-
-
-
-
-
-
-
3,602 63,549 63,549 -
-
-
-
-
-
-
-
-
6,025 3,617 2,408 -
-
81,694 8,518 3,602 3,602 69,574 67,166 2,408 -
Pihak Tidak Terkait
22,180,275
1,339,699
627,440
185,246
1,447,280
24,147,414
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
2,085,072 14,588,222 5,272,463 1,347,027 479,965 479,965 164,858 3,280,613 717 717 53,217 180,584
1,011,561 598,826 47,955 47,955 66,712 298,068 12,500 12,500 315,638
625,656 286,075 8,108 8,108 85,259 246,214 1,135 1,135 649
185,246 9,528 7,856 7,856 104,168 63,694 -
6,063 15,120 1,327,821 142,703 177,439 177,439 674,933 332,746 55,128 128 55,000 14,860 28,288
2,085,072 14,588,222 6,909,680 2,231,928 536,028 536,028 316,829 3,824,895 14,352 1,852 12,500 53,217 496,871
22,255,944
1,339,699
633,465
185,246
1,447,280
24,229,108
81,893 131,893 25.53%
67,052 67,052 59.20%
75,835 125,835 45.72%
72,995 122,995 5.14%
896,310 1,176,015 10.75%
224,780 324,780 32.28% 42.64%
JUMLAH PPAP yang wajib dibentuk PPAP yang telah dibentuk Total asset bank yang dijaminkan a. Pada Bank Indonesia b. Pada Pihak Lain Persentase KUK terhadap total kredit Persentase Jumlah Debitur KUK terhadap Total Debitur
PT BANK PERMATA TBK EARNING ASSETS QUALITY as of March 31, 2003 and 2002 (Unaudited) (Rupiah in million) Current
Special Mention
30 March 2002 Substandard Doubtful
DESCRIPTIONS Loss
Total
79,662
-
6,025
-
-
85,687 Related Parties
8,172 9,268 9,268 62,222 62,222 -
-
6,025 3,617 2,408 -
-
-
8,172 9,268 9,268 68,247 65,839 2,408 -
21,999,008
1,054,311
522,679
242,210
1,808,609
25,626,817 Third Parties
1,741,556 14,321,706 5,681,955 1,521,544 368,490 368,490 79,232 3,712,689 716 716 49,561 203,514
754,183 326,292 48,629 48,629 379,262 12,500 12,500 1,347 286,281
519,544 247,607 8,453 8,453 17,528 245,956 1,135 1,135 2,000
242,126 5,512 2,268 2,268 196,806 37,540 84
86,032 16,103 1,647,087 240,216 4,236 4,236 566,661 835,974 55,128 128 55,000 3,729 530
1,827,588 14,337,809 8,844,895 2,341,171 432,076 432,076 860,227 5,211,421 69,479 1,979 67,500 54,637 492,409
22,078,670
1,054,311
528,704
242,210
1,808,609
25,712,504
81,001 209,220 26.73%
52,715 52,715 43.26%
71,683 71,683 47.66%
104,745 104,745 2.28%
1,481,941 1,481,941 14.58%
1,792,085 1,920,304 26.44% 27.52%
Placement with Other Banks Marketable Securities 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
Placement with Other Banks Marketable Securities 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 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 Small Business to Total Loans (%) Smal Business Debtors to Total Debtors (%)
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM Per 31 Maret 2003 dan 2002 ( Tidak Diaudit )
CALCULATION OF CAPITAL ADEQUACY RATIO as of March 31, 2003 and 2002 (Unaudited)
( dalam jutaan rupiah )
(Rupiah in million) KETERANGAN
I. 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 ( -/- )
B. 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%) II. III. IV. V. VI.
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
BANK *) 30.03.2003 30.03.2002
787,446 1,300,534
730,746 1,300,534
9,067,496 (6,223,501) 51,221 3,908 (3,412,212)
9,067,496 (5,366,945) (856,566) (1,561) (3,412,212)
331,117 43,574
395,504 43,574
125,733 161,810 -
125,577 226,353 -
1,118,560 81,065 1,037,495 10,058,614
1,126,250 79,391 1,046,859 10,046,193
10.3% 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.
TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B) EQUITY PARTICIPATIONS ( -/- ) TOTAL CAPITAL ( II - III ) RISK-WEIGHTED ASSET
10.4% VI. ESTABLISHED CAPITAL ADEQUACY RATIO (IV:V) 8.0% 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.
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN RASIO KEUANGAN Per 31 Maret 2003 dan 2002 ( Tidak Diaudit )
FINANCIAL RATIO as of March 31, 2003 and 2002 (Unaudited)
No.
BANK 30.03.2002 30.03.2003
RASIO ( % )
I. Permodalan 1. CAR 2. Aktiva tetap terhadap modal II. Aktiva Produktif 1. Aktiva produktif bermasalah 2. NPL Gross 3. PPAP terhadap aktiva produktif 4. Pemenuhan PPAP III. Rentabilitas 1. ROA 2. ROE 3. NIM 4. BOPO IV. Likuiditas LDR V. Kepatuhan (Compliance) 1. a. Persentase Pelanggaran BMPK a. 1. Pihak Terkait a. 2. Pihak Tidak Terkait b. Persentase Pelampauan BMPK b. 1. Pihak Terkait b. 2. Pihak Tidak Terkait 2. GWM Rupiah 3. PDN
10.3% 98.6%
10.4% 96.8%
8.8% 25.4% 6.3% 136.0%
10.0% 27.2% 7.5% 107.2%
1.4% 10.0% 3.6% 90.9%
-4.8% -153.5% 2.4% 138.1%
37.9%
40.5%
0.0% 0.0%
0.0% 0.0%
0.0% 13.4% 5.1% 16.2%
0.0% 3.1% 5.6% 33.4%
PENGURUS BANK / MANAGEMENT Dewan Komisaris - Komisaris Utama - Komisaris - Komisaris - Komisaris - Komisaris - Komisaris Independen - Komisaris Independen Direksi - Direktur Utama - Wakil Direktur Utama - Direktur Kepatuhan - Direktur - Direktur - Direktur - Direktur - Direktur
RATIO ( % ) Capital 1. CAR 2. Fixed Assets to Capital Earning Assets 1. Non-Performing Earning Assets 2. NPL 3. Allowance for Earning Assets Losses to Earning Assets 4. 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) a. 1. Related Parties a. 2. Non-Related Parties b. Persentase Pelampauan BMPK b. 1. Related Parties b. 2. Non-Related Parties 2. Reserve Requirement (Rupiah) 3. Net Open Position
PEMILIK BANK / OWNERS
DR. Aditiawan Chandra Rachmat Saptaman DR. Ir. Lukita D. Tuwo Dradjat Bagus Prasetyo Deswandhy Agusman DR. Tirta Hidayat Ichsanuddin Noorsy Agus D.W. Martowardojo Chandra Purnama Elvyn Gahadi Masassya Joseph Georgino Godong Andrew Hardi Hanubrata Ongki Wanadjati Dana Mahdi Syahbuddin Irman Alvian Zahiruddin
Badan Penyehatan Perbankan Nasional Indonesian Banking Restructuring Agency Negara Republik Indonesia Masyarakat Public Jumlah Total
91.33%
6.33% 2.34%
100.00%
PT BANK PERMATA TBK
PT BANK PERMATA TBK
TRANSAKSI VALUTA ASING DAN DERIVATIF 30 September 2003 ( Tidak Diaudit )
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE as of 30 September 2003 (Unaudited)
( dalam jutaan rupiah ) Market Value of the Contract Hedging
No. A. 1. 2. 3.
Related to Exchange Rate Spot Forward Option a. Purchased b. Written 4. Future 5. Swap 6. Others
B. Related to Interest Rate 1. Forward 2. Option a. Purchased b. Written 3. Future 4. Swap 5. Others C.
Others JUMLAH
(Rupiah in million) Contract Value with Netting Agreement
Derivative Receivables and Payables Receivables Payables
TRANSACTION Others -
-
-
-
-
-
14,775 -
104 -
224 -
-
-
-
-
-
-
-
-
-
-
-
-
14,775
104
224
-
