Laporan Tahunan 2014 Annual Report 2014

Laporan Tahunan 2014 Annual Report 2014

Bangkok Bank

Public Company Limited

Indonesia

DAFTAR ISI Table of Contents

Ringkasan Keuangan Financial Highlights

1

Rasio Keuangan Financial Ratios

2

Profile Perusahaan Corporate Profile

4

Laporan Good Corporate Governance Good Corporate Governance Report

6

Perekonomian Indonesia 2014 Indonesia Economy in 2014

25

Laporan Manajemen Management Report

27

Kinerja Bangkok Bank Bangkok Bank’s performance

33

Manajemen The Management

66

Struktur Organisasi Organization Chart

72

Lampiran Attachment  Laporan Keuangan 2014 yang telah diaudit Audited Financial Statement 2014

RINGKASAN KEUANGAN BANGKOK BANK Bangkok Bank’s Financial Highlights Unit dalam jutaan rupiah (Unit in million Rupiah)

Pertumbuhan pada Akhir Periode Tahun Progress at Year-End

Total Aktiva Total Assets

Giro pada Bank Demand Deposits with Banks

Kredit yang diberikan Credits granted

Aktiva Tetap dan Inventaris – net Premises and Equipment Aktiva Produktif

Productive Assets Dana Pihak Ketiga

Third Party Fund Simpanan Deposits Pinjaman yang diterima

Loans received Dana dari Kantor Pusat Head Office Account

2014

2013

% change

22,742,330

15,162,270

49.99%

79,823

188,396

-57.63%

15,514,223

11,894,111

30.44%

95,152

96,069

-0.95%

22,946,267

15,286,592

50.11%

4,421,089

2,610,769

69.34%

3,564,222

1,817,484

96.11%

10,713,025

8,701,550

23.12%

4,688,755

2,725,935

72.01%

1,072,088

639,527

67.64%

447,536

314,971

42.09%

624,552

324,556

92.43%

250,871

130,300

92.53%

371,058

191,626

93.64%

-

-

-

Pertumbuhan untuk Tahun Progress for the year

Pendapatan Operational Operational Revenue

Beban Operational Operational Expenses

Laba Operasi Operating Profit

Pajak Penghasilan Income Tax

Laba (Rugi) Bersih Net Profit (Loss) Laba Bersih per Saham Earning per share

LAPORAN TAHUNAN 2014 ANNUAL REPORT

1

Rasio Keuangan Financial Ratios Permodalan Capitalization

Kewajiban Modal Minimum Capital Adequacy Ratio (CAR)

31-Des-14 (%)

31-Des-13 (%)

% change

69.16

67.09

2.07

2.61

4.34

-1.73

0.34

0.53

-0.19

0.00

0.03

-0.03

2.68

2.71

-0.03

3.41

2.75

0.66

2.86

2.17

0.69

4.83

4.21

0.62

41.74

49.25

-7.51

350.91

455.58

-104.67

Aktiva Tetap terhadap Modal Fixed Assets to Capital

Aktiva Produktif Productive Assets

Aktiva Produktif Bermasalah Troubled Productive Assets

Kredit Bermasalah NPL

CKPN terhadap Aktiva Produktif Reserves to Productive Assets

Rentabilitas Profitability

Tingkat Pengembalian Aktiva Return on Assets

Tingkat Pengembalian Modal Return on Equity

Pendapatan Bunga Bersih Net Interest Margin

Beban Operasional Pendapatan Operasional Operational Expense to Operational Income

Kredit terhadap Deposito Rasio Loan to Deposit Ratio


2

Kepatuhan Compliance

31-Des-14 (%)

31-Des-13 (%)

% change

0

0

0.00

0

0

0.00

0

0

0.00

0

0

0.00

12.20

14.44

-2.24

1.33

0.33

1.00

Persentase Pelanggaran BMPK Percentage of LLL Violation

a.

Pihak Terkait

Related Parties

b. Pihak Tidak Terkait Non related Parties

Persentase Pelampauan BMPK Percentage of exceeding LLL

a.

Pihak Terkait

Related Parties

b. Pihak Tidak Terkait Non related Parties

GWM Rupiah Minimum Current Account Requirements Rupiah

Posisi Devisa Netto (PDN)


3

PROFIL PERUSAHAAN Corporate Profile Bangkok Bank yang didirikan pada tahun 1944 di Bangkok, Thailand adalah bank komersial terbesar di Thailand dan salah satu dari yang terbesar di Asia Tenggara dengan total aset pada akhir 2014 sebesar THB 2.759.890.139.000.

Bangkok Bank, founded in year 1944 in BangkokThailand, is the largest commercial bank in Thailand and also one of the largest bank in South East Asia, with total assets at the end of 2014 THB 2,759,890,139,000.

Adapun struktur kepemilikan 10 (sepuluh) pemegang saham terbesar Bangkok Bank Public Company Limited per tanggal 12 September 2014 adalah sebagai berikut:

Top 10 (ten) shareholders of Bangkok Bank Public Company Limited, Thailand as of September 12, 2014 are as follows:

Nomor | Number

Nama pemegang Saham | Name of Share holder 1 2

3 4 5 6 7 8 9 10

Thai NVDR Company Limited Thailand Securities Depository Company Limited for Depositors The Bank of New York (Nominees) Limited State Street and Trust Company State Street Bank Europe Limited Morgan Stanley & Co. International Plc. Bangkok Insurance Public Co., Ltd UOB Kay Hian (Hong Kong) Limited - Client Account Mitsubishi UFJ Global Custody S.A GIC Private Limited - Co. Ltd.

Persentase Kepemilikan Saham | Percentage of Total Shares 34.21 3.45 3.15 2.77 2.65 1.93 1.79 1.78 1.35 1.31

Sampai akhir tahun 2014 Bangkok Bank telah memiliki lebih dari 1.190 kantor cabang di Thailand dengan cabang luar negeri dan jaringan kantor yang tersebar di: Cina, Hongkong, Jepang, Laos, Filipina, Singapura, Taiwan, Inggris, Birma, Amerika Serikat, Vietnam, Myanmar, Malaysia dan Indonesia.

At the end of 2014, Bangkok Bank has more than 1,190 branches in Thailand with extensive overseas branches and office network in the following countries: People’s Republic of China, Hongkong, Japan, Laos People’s Democratic Republic, Republic of Philippines, Republic of Singapore, Taiwan, United Kingdom, Union of Myamar, United States of America, The Socialist Republic of Vietnam, Myanmar, Malaysia and Indonesia.

Bangkok Bank PCL Cabang Jakarta, berlokasi di Jl. MH Thamrin No. 3, Jakarta 10110, beroperasi dengan ijin usaha dari Menteri Keuangan Indonesia No. D.15.6.1.4.39 tanggal 21 Juni 1968, serta mendapat izin untuk beroperasi sebagai Bank Devisa pada tanggal 22 Juni 1968 dengan Surat Keputusan dari Direksi Bank Negara Indonesia No.4/12/KEP.DIR.

Bangkok Bank PCL Jakarta Branch, located at Jl. MH Thamrin No. 3, Jakarta 10110, operated under license from Finance Minister of Republic Indonesia No. D. 15.6.1.4.39 dated June 21, 1968 as a branch from Bangkok Bank PCL in Thailand. Received the license to operate as foreign bank on June 22, 1968 with the decree from Bank Indonesia No. 4/12/KEP.DIR.

Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Surabaya pada tanggal 29 Maret 2012 yang beralamat di Jl Raya Darmo No 73, Surabaya, dengan Ijin No 14/112/DPIP.

Bank has opened 1 (one) Branch Office in Surabaya on March 29, 2012 located at Jl Raya Darmo No. 73, Surabaya, with Permit No. 14/112/DPIP .


4

Pada tanggal 6 November 2013, dalam rangka perluasan usaha, Bank telah membuka 1 (satu) Kantor Cabang Pembantu di kota Medan yang terletak di B&G Tower, Ground Floor, Jl Putri Hijau No. 10, Medan, dengan Ijin No.15/231/DPIP.

On November 6, 2013, for the expansion of business, the Bank has opened 1 (one) Branch Office in Medan, located in the B & G Tower, Ground Floor, Jalan Putri Hijau No. 10, Medan, with permission No.15/231/DPIP.

Bank secara berkesinambungan meningkatkan total asset dan kredit yang diberikan, memperbaiki manajemen kredit macet, meningkatkan pendapatan, dan meningkatkan efisiensi biaya dan terus membangun kebijakan usaha yang selaras dengan rencana strategis bank Di tahun mendatang, bank akan terus memajukan bisnis proses yang efisien dan mengefisiensikan model organisasi untuk meyakinkan bahwa seluruh bagian organisasi dapat bekerja sama secara efisien dan harmonis.

The bank has continuously increased its total assets and loans, and improved the management of nonperforming loans, of revenue, of costs efficiency and the bank will create policies that are alligned with its strategic plan. In the coming year, the bank will continue to improve the efficient business process and organizational model to ensure that all parts of the organization are working together efficiently in harmony.


5

LAPORAN GOOD CORPORATE GOVERNANCE BANGKOK BANK CABANG JAKARTA TAHUN 2014

REPORT ON BANGKOK BANK INDONESIA BRANCH ACTIONS IN COMPLIANCE WITH THE PRINCIPLES OF GOOD CORPORATE GOVERNANCE FOR 2014.

1. Ruang Lingkup Tata Kelola Perusahaan (GCG)

1.

Scope of Good Corporate Governance (GCG)

Sebagai pedoman bagi pelaksanaan Tata Kelola Perusahaan, Bank telah mendeskripsikan peran dan tanggung jawab Komite Manajemen dalam pedoman Komite Manajemen bank. Seluruh aturan internal lainnya yang ditetapkan didasarkan dengan peraturan yang berlaku dan mengacu pada pinsip-prinsip GCG.

As guidance for Good Corporate Governance’s implementation, Bank has already described role and responsibilities of Manangement Committee in the Management Committee guidelines. All other internal regulations are based on the operative regulation and referring to GCG principles.

Dalam menjalankan bisnisnya, Bangkok Bank Cabang Jakarta menjalankan Prinsip Good Corporate Governance sebagai dasar agar dapat mempertahankan pertumbuhannya. Bank juga telah menyebarkan kebijakan tersebut kepada tim manajemen, eksekutif, dan staf sebagai informasi dan ketaatan akan peraturan. Bank juga telah menugaskan setiap supervisor di semua tingkat untuk menjadi contoh yang baik dan mendorong agar kebijakan yang dibuat tersebut dipatuhi. Dalam proses pengawasan operasional secara internal, Bank telah membentuk Unit Kepatuhan agar sesuai dengan peraturan yang ada di Indonesia dan Bank Indonesia.

The Bank, therefore conducts its business in-line with the principles of Good Corporate Governance, which form a basis for sustainable growth. The bank has disseminated the policy to its management team, executives and staff for their knowledge and observance and has also assigned supervisors at all level to encourage good example as well as compliance with the policy. The bank has established a Compliance Unit to oversee its internal operations to be in compliance with the regulation of the local authorities and Bank Indonesia.

Penerapan Prinsip Good Corporate Governance di Bangkok Bank dibagi menjadi 7 aspek cakupan GCG beserta kepatuhan bank terhadap aspekaspek tersebut yang meliputi:

There are 7 (seven) Good Corporate Governance aspects which reflect the implementation of bank’s Good Corporate Governance including bank compliance toward to each aspect as follows:

1.1 Kinerja Tugas dan Tanggung Jawab dari Dewan Komisaris dan Direksi.

1.1 Performance of duties and responsibilities of Board of Commissioners and Board of Directors.

Bangkok Bank Cabang Jakarta adalah kantor cabang dari Bangkok Bank, Thailand, oleh karena itu Dewan Komisaris yang dikenal dengan nama Non-Eksekutif Director bertempat di Kantor Pusat Thailand. Dewan Komisaris bertangggung jawab dalam penerapan prinsip Good Corporate Governance dan mengawasi kebijakan dan arah bisnis bank. Dalam hubungannya dengan Bangkok Bank kantor cabang Jakarta, International Banking Group (IBG) yang berlokasi di Kantor Pusat Bangkok, menjalankan fungsi pengawasan dari Dewan Komisaris. Laporan fungsi pengawasan dari IBG tersebut untuk melihat pada fungsi Dewan Komisaris dalam mengevaluasi kinerja manajemen kantor cabang Jakarta dan laporan tersebut telah diterima setiap 3 bulan sekali.

Bangkok Bank, Jakarta branch is a branch office of Bangkok Bank, Thailand, therefore Board of Commissioners who is known as Non- Executive Directors are domiciled at Bangkok Head Office, Thailand. This Board of Commissioners assumes responsibility for the implementation of Good Corporate Governance and oversees the business policy and direction of the bank. For Bangkok Bank, Jakarta branch in this matter, the International Banking Group (IBG) domiciled at Bangkok, Head Office, is closely conducting the oversight role function of Board of Commissioners. Oversight function report from International Banking Group in regard to Board of Commissioners function for evaluating performance of Jakarta branch management on quarterly basis.


6

Sementara itu, Direksi atau Pimpinan Bangkok Bank Cabang Jakarta yang dipimpin oleh General Manager dan wakil General Manager serta Direktur Kepatuhan. Pimpinan kantor akan memimpin Komite Manajemen yang bertanggung jawab atas pembentukan dan pelaksanaan atas sasaran strategis dan keuangan dari Bank dan juga mengkaji ulang serta mendiskusikan masalah yang berhubungan dengan operasional bank. Komite Manajemen Cabang juga bertanggung jawab untuk mengawasi: a. Audit Internal dan Unit Control untuk memastikan pelaksanaan fungsi internal audit dan mengambil tindakan berdasarkan pada temuan-temuan dari audit internal. b. Fungsi Unit Manajemen Risiko adalah untuk pertanggungjawaban dalam rangka pengembangan, pengukuran dan pemeliharaan kerangka kerja manajemen risiko. c. Unit Kepatuhan untuk mengawasi penerapan praktek good corporate governance dan memastikan kepatuhan bank terhadap peraturan dan hukum yang berlaku.

Meanwhile, Board of Director or called Branch Management (Pimpinan) of Bangkok Bank Indonesia who is chaired by General Manager, and Deputy General Manager and Compliance Director. The Branch Management or Pimpinan shall lead the Branch Management Committee who is responsible for the formulation and execution of strategies and financial objectives of the bank as well as reviewing and discussing matters related to banking operation. The Branch management is also responsible for supervising: a. Internal Audit and Control Unit for ensuring the execution of internal audit function and taking action based on regular internal audit findings. b. Risk Management Unit function is to take overall accountability for the development, measurement and maintenance of the bank’s risk management framework. c. Compliance Unit for overseeing the implementation of good corporate governance practices and ensuring bank’s compliance with the prevailing laws and regulations.

1.2.

1.2 Structures, Membership, Duties Responsibilities of the Committees.

Struktur, Keanggotaan, Tanggung Jawab Komite

Tugas

dan

and

Di Kantor Pusat Bangkok Bank, Thailand, komite-komite tersebut telah diatur untuk memonitor dan mengawasi operasional bank dan melaporkan kemajuan yang terjadi ke NonExecutive Direksi secara periodik. Komite-komite ini terdiri dari Komite Audit, Komite Nominasi dan Remunerasi, Komite Risk Monitoring, dan Komite Manajemen. Sementara itu Bangkok Bank Kantor Cabang Jakarta, sebagai kantor cabang bank asing tidak diharuskan untuk membentuk komite tersebut sejak Dewan Direksi di Kantor Pusat telah membentuknya.

In Bangkok Bank- Head Office, Thailand, the committees have been set up to closely monitor and oversee the bank’s operation and report the progress to the Non- Executive Board of Directors on a regular basis. These committees include the Audit Committee, Nomination and Remuneration Committee, Risk Monitoring Committee and Management Committee. Meanwhile, Bangkok Bank, Jakarta branch as foreign branch office in this regard does not have to form such committees since Board of Directors at Head Office has established them.

Bagaimanapun di kantor pusat fungsi dari tiap komite-komite tersebut telah diterapkan dengan baik dan dibawah kontrol International Banking Group (IBG) untuk mengawasi kinerja manajemen dari kantor cabang Jakarta. Dan laporan fungsi pengawasan dari International Banking Group (IBG) juga telah diterima oleh kantor cabang Jakarta setiap 3 bulan sekali.

However, the functions of such committees have properly implemented in Head Office and it has been conducted under International Banking Group (IBG) to oversee the Jakarta’s branch management performance in respective committee function. The oversight function report from International Banking Group (IBG) has also been received by Jakarta branch on quarterly basis.


7

Fungsi dari masing-masing komite itu dapat dideskripsikan sebagai berikut:  Komite Audit bertugas untuk membantu Dewan Komisaris dalam proses audit laporan keuangan, internal control dan audit, dan pemilihan dan penunjukkan eksternal audit bank.  Komite Risk Monitoring bertugas untuk mengawasi dan memastikan profil manajemen risiko bank apakah sudah cukup memadai, sistematis, efisien, efektif dan memaksimalkan nilai terhadap kinerja bank, dan juga apakah sudah sejalan dengan rencana strategis bank dan kebijakan manajemen risiko secara keseluruhan.  Komite Nominasi dan Remunerasi bertugas untuk memilih dan menunjuk orang yang tepat untuk posisi pekerjaan yang ditentukan dan juga untuk mengevaluasi kinerja secara individu, dan kebijakan penggajian dan paket benefit yang diterima oleh level eksekutif dan staffnya.

The function of each committee can be described as follows:  The objectives of the Audit Committee are to assist the Board of Commissioners with regard to process audit of financial reports, internal control and internal audit and to select and appoint the bank’s external auditors.  The objective of Risk Monitoring Committee is to oversee and ensure that bank’s management risk profile is adequate, systematic, efficient, and effective and maximizes value to the bank and is also to be in-line with the bank’s strategic plan and overall risk management policy.

Kinerja semua komite diatas telah diterapkan dengan baik di Kantor Pusat. Sedangkan penerapan strategi dan rencana bisnis Bangkok Bank Indonesia diatur oleh komite sebagai berikut:

All performance of committees above has already been properly implemented in Head Office. However, in implementing the strategic and business plan of the bank, Bangkok Bank Indonesia is managed under following committees:

a.

a.

Komite Manajemen Untuk memastikan efisiensi kinerja bank yang mencakup penelahaan secara periodik, pengarahan operasional bank, kebijakan, strategi, ALMA dan juga masalah kepegawaian serta bagian umum yang akan dibicarakan di dalam komite. Komite Manajemen diketuai oleh General Manager selaku Pimpinan Cabang dan dibantu oleh : - 3 Deputy General Manager - Kepala Unit Treasury - Kepala Unit Operation - Kepala Unit Compliance - Kepala Unit Risk Management - Kepala Unit Internal Audit - Kepala Unit Marketing - Kepala Unit Budget&Planning Pertemuan rutin Komite Manajemen dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.



The objective of Nomination and Remuneration Committee is to select and nominate suitable persons for appointment job position as well as to evaluate individual performance and policy of remuneration or benefit package for executive level and its staffs.

Management Committee To ensure proper and efficient running of the entire operation covering periodical review and directions of bank operation, policy, and strategy, ALMA as well as personnel and general affairs matters. Management Committee is chaired by the General Manager and assisted by: - 3 Deputy General Manager - Head of Treasury - Head of Operation - Head of Compliance - Head of Risk Management - Head of Internal Audit - Head of Marketing - Head of Budget & Planning

Management Committee conducted regular meetings at least 1 (one) time in a month and the results are recorded in the minutes of the meeting which is circulated to committee members and submitted to Headquarters IBG.


8

b.

c.

Komite Kredit Komite ini bertanggung jawab untuk mengakses dan mempertimbangkan semua portfolio bank, yang tercakup di dalamnya nasabah kredit lancar maupun pinjaman kredit bermasalah.

b.

Loan Committee This committee is responsible to assess and consider all banks’ portfolio, which include active and non-performing loan accounts.

Komite kredit akan bertemu secara periodik untuk menelaah dan mendiskusikan aktivitas dari aplikasi kredit yang masuk, suku bunga kredit, dan strategi marketingnya.

The Loan Committee will meet periodically to review and discuss the following activities of loan application, loan pricing and marketing strategies.

Fungsi dari Komite Kredit adalah bertanggung jawab untuk menyetujui atau menolak, merekomendasi aplikasi kredit berdasarkan kewenangan kantor cabang. Pertemuan rutin Komite kredit diadakan setiap 2 minggu sekali atau disesuaikan dengan kebutuhan dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

The Loan Committee responsibility and function is to approve or reject, recommend or decline credit application according to branch authorization. The routine meetings are held in every two weeks or more often to match with the requirement and the results recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.

Komite Kredit diketuai oleh General Manager selaku Pimpinan Cabang dan Deputy General Manager bidang Operation selaku wakil, yang dibantu oleh : - Deputy General Manager bidang Marketing - Deputy General Manager bidang Risk Management Unit and Credit Acceptance Unit (non-voting) - Kepala Unit Marketing - Kepala Unit Treasury - Kepala Unit Operation - Kepala Unit Compliance (non-voting) - Kepala Unit Risk Management (nonvoting) - Kepala Unit Internal Audit (non-voting) - Kepala Unit Credit Acceptance Unit (non-voting)

Credit Committee is chaired by the General Manager as Branch Manager and Deputy General Manager of Operation. Members of Credit Committee are : - Deputy General Manager of Marketing - Deputy General Manager of Risk Management Unit and Credit Acceptance Unit (non-voting) - Head of Marketing - Head of Treasury - Head of Operation - Head of Compliance (non-voting) - Head of Risk Management (non-voting) - Head of Internal Audit (non-voting) - Head of Credit Acceptance Unit (nonvoting)

Komite Manajemen Risiko Komite ini bertanggung jawab untuk mengawasi penerapan kerangka kerja dan strategi majemen risiko, komposisi risiko dari setiap tipe risiko itu dan juga memeriksa secara periodik prosedur dari manajemen risiko. Bangkok Bank Indonesia menggunakan peringkat kredit yang handal sebelum menyetujui semua kredit baru ataupun perpanjangan fasilitas kredit. Penilaian ini menjadi alat yang penting bagi manajemen risiko kredit dan digunakan sebagai standar

c.

Risk Management Committee This committee is responsible to monitor the implementation of risk management framework and strategy, composition of risk for each type of risks as well as periodically review on risk management procedure.

Bangkok Bank Indonesia requires a valid credit rating prior approval of any new or renewed credit facility. Rating is one of the most important tools of credit risk management and used in the underwriting standards as well as in pricing guidelines. LAPORAN TAHUNAN 2014 ANNUAL REPORT

9

underwritting dan juga panduan penetapan harga.

d.

Komite Manajemen Risiko diketuai oleh Deputy General Manager bidang Manajemen Risiko, dengan dibantu oleh Head of Compliance sedangkan General Manager diundang dan hadir dalam pertemuan rutin Komite Manajemen Risiko,

The Risk Management Committee is chaired by the Deputy General Manager of Risk Management, and assisted by Head of Compliance Unit, meanwhile General Manager is invited in the Risk Management Committee meeting.

anggota dari Komite Manajemen Risiko : - 3 Deputy General Manager - Kepala Unit Treasury - Kepala Unit Operation - Kepala Unit Risk Management - Kepala Unit Internal Audit - Kepala Unit Marketing

Members of the Risk Management Committee: - 3 Deputy General Manager - Head of Treasury - Head of Operation - Head of Risk Management - Head of Internal Audit - Head of Marketing

Pertemuan rutin Komite Manajemen Risiko dilakukan minimal 1 (satu) kali dalam tiga bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat.

Regular meetings of the Risk Management Committee conducted a minimum of 1 (one) time in 3 month and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG.

Komite Aset dan Liabilitas (ALCO) Komite ini bertanggungjawab untuk mengatur kinerja dari aset – aset dan liabilitas yang dimiliki oleh Bank (ALMA). Dalam melaksanakan tanggungjawab tersebut, Komite ALCO melakukan langkah-langkah sebagai berikut : a. Memformulasikan dan memantau penerapan strategi ALMA sesuai dengan rencana bisnis Bank. b. Memantau penetapan strategi harga untuk memastikan hasil optimum, mengurangi biaya penggunaan dana, dan menjaga keseimbangan neraca keuangan Bank. c. Mengevaluasi posisi risiko suku bunga bank dimana harus konsisten dengan manajemen risiko suku bunga d. Berkoordinasi dengan Departemen Treasuri Kantor Pusat dan Overseas Treasury Center (OTC) dalam melakukan manajemen aset dan liabilitas Bank. Komite ALCO diketuai oleh General Manager selaku Pimpinan Cabang dan dibantu oleh : - 3 Deputy General Manager - Kepala Unit Treasury - Kepala Unit Operation - Kepala Unit Compliance - Kepala Unit Risk Management - Kepala Unit Internal Audit - Kepala Unit Marketing - Kepala Unit Budget&Planning

d.

Asset and Liability Committee (ALCO) This committee is responsible for managing the performance of assets - assets and liabilities held by the Bank ( ALMA ) . In carrying out these responsibilities, ALCO Committee perform the following steps : a.mFormulating and monitoring the implementation of the strategy ALMA accordance with the Bank's business plan. b. Monitor price -setting strategies to ensure optimum results , reduce the financing cost , and maintaining the balance of the Bank 's balance sheet c. Evaluate the bank's interest rate risk position which must be consistent with the interest rate risk management d.cCoordinate with Treasury Department Headquarters and Overseas Treasury Center ( OTC ) in managing the assets and liabilities of the Bank. ALCO Committee is chaired by the General Manager. Members of ALCO are : - 3 Deputy General Manager - Head of Treasury - Head of Operation - Head of Compliance - Head of Risk Management - Head of Internal Audit - Head of Marketing - Head of Budget & Planning LAPORAN TAHUNAN 2014 ANNUAL REPORT

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Pertemuan rutin ALCO dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat. e.

Komite Kredit Bermasalah Komite Kredit Bermasalah (NPL Committee) bertanggungjawab untuk membahas pinjaman nasabah kepada Bank yang memiliki kualitas/kategori Kurang Lancar (2) hingga Macet (5). Komite Kredit Bermasalah diketuai oleh General Manager selaku Pimpinan Cabang yang dibantu oleh : - 3 Deputy General Manager - Kepala Unit Operation - Kepala Unit Compliance - Kepala Unit Marketing - Kepala Unit Internal Audit

Regular meetings of ALCO performed at least 1 (one) time in a month , and the results are recorded in the minutes of the meeting circulated to committee members and submitted to Headquarters IBG. e.

NPL Committee is chaired by General Manager as Branch Manager. Mmebers of NPL Committee are : - 3 Deputy General Manager - Head of Operation - Head of Compliance - Head of Marketing - Head of Internal Audit

Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu bulan, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite dan disampaikan kepada IBG Kantor Pusat. f.

Komite Teknologi Informasi Komite ini bertanggungjawab menyampaikan rekomendasi penggunaan sistem IT kepada manajemen guna mendukung pertumbuhan bisnis dan efisiensi operasi Bank dalam strategi jangka pendek dan menengah. Komite Teknologi Informasi diketuai oleh Deputy General Manager bidang Operation dan Overseas Support Center (OSC) selaku penasehat IT, anggota komite adalah : - Kepala Unit Operation - Kepala Unit Compliance - Kepala Unit Support&Service - Kepala Unit Internal Audit&Control - Staff EDP Pertemuan rutin dilakukan minimal 1 (satu) kali dalam satu tahun, dan hasil pertemuan dicatat dalam notulen yang diedarkan kepada anggota komite.

Non-Performing Loans Committee (NPL Committee) NPL Committee is responsible for the customer to discuss the bank loan that has a quality / Subcategory (2) to Loss (5).

Regular meetings conducted at least 1 (one) time in a month, and the results are recorded in the minutes of the meeting are circulated to committee members and submitted to Headquarters IBG. f.

Information Technology Steering Committee This committee is responsible for providing recommendations to the management of the use of IT systems to support business growth and operating efficiencies in the Bank's short-term and medium-term strategy. Information Technology Steering Committee, chaired by the Deputy General Manager of Operations and Overseas Support Center (OSC) as an IT advisor, committee members are: - Head of Operation - Head of Compliance - Head of Support&Service - Head of Internal Audit&Control - Staff EDP Regular meetings conducted at least 1 (one) times a year, and the results are recorded in the minutes of the meeting are circulated to committee members.


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Adapun frekuensi rapat yang telah dilakukan oleh masing-masing Komite selama tahun 2014 adalah sebagai berikut : Komite Komite Manajemen Komite Kredit Komite Manajemen Risiko Komite Aset dan Liabilitas Komite Kredit Bermasalah Komite Teknologi Informasi

1.3.

Frekuensi 12x 36x 4x 12x 7x 2x

The frequency of meetings has been done by each committee during 2014 are as follows:

Committee Management Committee Loan Committee Risk Management Committee Asset and Liability Committee Non Performing Loan Committee Information Technology Steering Committee

Frequency 12x 36x 4x 12x 7x 2x

Kinerja dari Departemen Kepatuhan, Internal Audit dan Eksternal Audit

1.3 Performance of Compliance functions, internal audit and external audit.

Unit Kepatuhan dibentuk untuk membantu manajemen dalam pengawasan internal operasional dan juga kepatuhan pada peraturan dari otoritas lokal. Unit kepatuhan bertangung jawab dalam mengkoordinasi unit operasional dan mengumpulkan informasi guna tersedianya informasi dalam pengkinian panduan kerja. Unit kepatuhan harus bekerja secara independen dan berdampingan dengan manajemen dan staf di berbagai bisnis unit. Peraturan Bank Indonesia dan peraturan perundangan yang berlaku telah disosialisaikan kepada unit terkait dan dibahas dalam rapat komite manajemen terutama yang memiliki dampak terhadap kegiatan operational ,bisnis dan stategi bank. Memastikan komitmen bank yang dibuat kepada Bank Indonesia telah dipenuhi secara tepat waktu. Satuan Kerja Kepatuhan telah melaporkan pelaksanaan tugas dan tanggung jawabnya kepada manajemen bank secara triwulanan. Satuan Kerja Kepatuhan juga memastikan bahwa tindakan yang memadai telah dilaksanakan guna mencegah terjadinya risiko kepatuhan yang mungkin terjadi dan mendorong terciptanya budaya kepatuhan dalam bank.. Satuan Kerja Kepatuhan dan petugas UKK juga mengkontrol pelaksanaan Prinsip Mengenal Nasabah (KYC) dan aktifitas anti pencucian uang (Anti Money Laundering) sesuai dengan ketentuan yang berlaku. Dalam upaya meningkatkan

Compliance unit has been established to assist the management in overseeing its internal operation so as to be in compliance with the regulation of authorities. The compliance unit has the responsibility in coordinating with operation units and colleting the information for the availability and updating of work guidelines. The compliance function shall have independence and work closely with management and staff in various business units. BI regulations and prevailing laws have been socialized to the relevant units and also been discussed in the Management Committee meeting, especially for regulations which have significant impact to the operations, business and strategy of the bank. Ensuring the bank’s commitments made to Bank Indonesia has been rectified in timely manner.

Compliance unit also ensures that appropriate action has been taken to prevent the potential compliance risks which may occur and promote the compliance culture within the bank. Compliance unit has set up proper monitoring procedure in preventing compliance failure in submitting BI reporting requirement by each responsible unit and escalated the monitoring result in monthly Management Meeting. Compliance unit has reported their activity and responsibility to Branch Manager on quarterly


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pemahaman atas penerapan KYC dan AML, Satuan Kerja Kepatuhan akan terus melakukan sosialisasi kepada unit bisnis terkait untuk meyakinkan efektifitas tugasnya.

basis. Compliance unit and AML (UKK) officer are also in control of Know Your Customer and Anti-Money Laundering implementation pursuant to regulation. In the effort to better understanding for implementation of KYC/ and AML, the compliance unit would continuously perform socialization to relevant business unit ensuring effectiveness of duty.

Kewajiban penerapan FATCA telah diimplementasikan dengan mengidentifikasi nasabah (perorangan/organisasi) sebagai warga negara Amerika/ non-warga negara Amerika lewat analisa atas dokumen self declaration dan self certification, juga melalui pencarian secara elektronis untuk indikasi indicia. Hingga saat ini, Bangkok Bank Indonesia tidak memiliki nasabah warga negara Amerika. Karena BBL Indonesia mengikuti metode IGA 1. sehingga BBL Indonesia tidak wajib menyampaikan laporan 8966 (warga negara Amerika yang memiliki rekening di BBL), laporan 1042 (pelaporan pendapatan yang menjadi subyek pemotongan pajak selama tahun pelaporan) dan laporan 1042 (pelaporan jumlah pajak yang dipotong).

FATCA requirement has been implemented by identifying customers (individual/entity) as USP / NUSP through analyzing self declaration and self certification, also through indicia electronic search. Currently, BBL Indonesia does not have US customers recorded. Since BBL Indonesia following IGA1 method, so that BBL Indonesia does not have to fulfil reporting obligation for from 8966(US specified persons who hold an account at BBL), form 1042 (to report income type payments that are subject to withholding tax during the reportable year and form 1042 (report the annual withholding amount).

Internal audit bank (SKAI) telah menyusun rencana audit operasional dan setiap tahun memeriksa semua unit bisnis berdasarkan jadwal rencana auditnya. Untuk tahun 2014 SKAI telah melakukan fungsi kerjanya dengan independen dan objektif. Pada saat melakukan fungsi kerjanya, SKAI telah mengevaluasi efisiensi dan keefektifan internal kontrol bank dan kepatuhan pada perundangan-undangan yang berlaku dan peraturan Bank Indonesia. Semua hasil temuan audit telah dilaporkan ke manajemen kantor cabang dan divisi internal audit kontrol Kantor Pusat dan informasi rekomendasi audit akan disebarkan ke unit bisnis yang bersangkutan untuk dilakukan tindakan perbaikan selanjutnya. Internal Audit (SKAI) juga mengawasi dan mengikuti kemajuan perkembangan dan perbaikan yang dibuat oleh unit bisnis yang terlibat. Internal Audit (SKAI) juga akan melakukan pemeriksaan tahunan mengenai kecukupan keamanan audit dan pengawasan internal dari BI-RTGS dan Sistem Kliring Nasional Bank Indonesia (SKNBI) apakah telah mematuhi peraturan yang berlaku.

Banks’ Internal audit (SKAI) has already arranged the operational audit plan and has annually reviewed to all business units according to its audit-planning schedule. For year 2014, the bank’s SKAI has performed its function independently and objectively. In performing its audit function, SKAI has conducted and evaluated toward the efficiency and effectiveness of the bank’s internal control and compliance to the prevailing laws and Bank Indonesia regulations. All audit findings have been reported to branch management and internal audit control and division – Head Office and disseminate its audit recommendation to the business unit concerned for further action to be taken. Internal audit (SKAI) has also monitored and followed up the progress development and improvement made by business units involved. Internal audit (SKAI) has also performed annual review on the adequacy of security audit and internal review for BI-RTGS and National Clearing System (SKNBI) in order to be in compliance with the regulation.


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Setiap 3 tahun, Audit Eksternal Independen ditunjuk untuk memeriksa keefektifan kinerja dari SKAI termasuk kaji ulang atas fungsi internal audit atas penggunaan Teknologi Informasi. Pemeriksaan terakhir yaitu pada bulan Mei-Juli 2014 dengan hasil yang cukup memadai. Sedangkan pemeriksaan Audit Eksternal Independen terhadap kinerja SKAI akan jatuh-tempo pada bulan September 2017, paling lambat. Bank telah menunjuk KAP J. Tanzil untuk melakukan pemeriksaan terhadap kinerja SKAI. Sementara itu, untuk laporan eksternal audit tahunan dan persiapan laporan tahunan, bank telah menunjuk akuntan publik independen yang terdaftar dalam list Bank Indonesia yang bisa melakukan audit. Penetapan kerja audit dari akuntan publik meliputi kapasitas dari kantor akuntan publik, bidang kerja audit, dan profesionalisme pemeriksa. Penunjukan akuntan publik untuk melakukan audit laporan keuangan kantor cabang untuk tahun 2014 telah disetujui oleh Komite Audit Kantor Pusat. Untuk tahun buku 2014, Akuntan Publik Osman Bing Satrio dan Eni, yang merupakan anggota Deloitte Tohmatsu telah ditunjuk untuk melakukan audit keuangan bank dengan hasil pendapat Wajar Tanpa Pengecualian.

Every 3 (three) years, an Independent External Reviewer/Auditor is appointed to review the effectiveness of SKAI work performance including review on internal audit function on Information Technology use. The last review was in May-July 2014 with satisfactory result. While the External Audit examination to SKAI performance is no later than September 2017. Bank has appointed J. Tanzil external auditor to conduct work performance examination on Bank’s Internal Audit.

1.4. Kinerja Manajemen Risiko dan Fungsi Internal Kontrol.

1.4 Performance of Risk Management and Internal Control Function.

Fungsi Manajemen Risiko bank mempunyai tanggung jawab untuk berbagai macam aspek risiko mencakup kredit, pasar, likuiditas, operasional, legal, strategi, reputasi, dan risiko kepatuhan dari bank. Secara umum, manajemen kantor cabang telah aktif memonitor dan mengawasi kebijakan dan prosedur serta pengaturan limit untuk setiap jenis risiko guna memelihara kondisi manajemen risiko internal bank yang baik.

The risk management function of the bank has responsibility for various risk aspects covering of credit, market, liquidity, and operational, legal, strategic, reputation and compliance risks of the bank. In general, branch management has actively monitored and supervised the policy and procedure as well as limit arrangement type of each risk in order to maintain the soundness of bank internal risk management condition.

Unit Manajemen Risiko secara periodik menyampaikan laporan profil risiko bank setiap 3 bulan sekali dalam rangka menganalisa dan mengatur kecukupan dari setiap risiko. Laporan tiga bulanan profil risiko bank telah diajukan ke Bank Indonesia secara tepat waktu.

Risk management unit has periodically submitted the bank’s risk profile reports on quarterly basis for analyzing and managing the adequacy of each risk. This quarterly bank’s risk profile has been timely submitted to Bank Indonesia.

Unit Manajemen Risiko juga telah secara periodik menyampaikan laporan anti fraud

Risk management unit has periodically submitted the bank’s anti fraud reports on semi

Meanwhile, for annual external audit performance and preparing financial report, bank has appointed independent public accountant that registered under Bank Indonesia’s approved list to conduct an audit. The assignment of audit work to public accountant covers the capacity of the assigned public accountant firm, scope of audit work and professionalism of the auditor. The appointment of public accountant to conduct the audit of branch financial report for year 2014 has been approved by Head OfficeAudit Committee. For the year 2014, the Public Accountant Osman Bing Satrio dan Eni under member of Deloitte Tohmatsu has been appointed to conduct financial audit of the bank with result Unqualified Opinion.


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setiap 6 bulan sekali dalam rangka memantau dan melakukan pencegahan risiko kejadian fraud. Laporan enam bulanan anti fraud bank telah disampaikan ke Bank Indonesia secara tepat waktu.

annually basis for monitoring and conduct fraud prevention.

Unit Manajemen Risiko juga telah mengadopsi model perhitungan Pendapatan Bunga Bersih (NII) dan model Nilai Modal Ekonomis (EVE) dari kantor regional Hong Kong guna memonitor risiko suku bunga sehubungan dengan risiko pasar. Unit Manajemen Risiko juga telah melakukan stress testing untuk risiko pasar, risiko liquidity dan risiko foreign exchange serta melakukan verifikasi terhadap kertas kerja laporan bulanan risiko operasional dan disamping itu juga memonitor posisi harian dan limit-limit serta membuat laporan bulanan analisa kredit portfolio.

Risk management unit has adopted the Net Interest Income (NII) and Economic Value of Equity (EVE) models from Hong Kong regional office for monitoring interest rate risk relating to market risk. RMU has also performed general stress stesting for market risk, liquidity risk and foreign exchange risk as well as verification to monthly operational risk self assessment report, besides monitoring daily position and limit as well as providing monthly portfolio credit analysis.

Bank telah memenuhi kewajiban Sertifikasi Manajemen Risiko bagi Manajer dan staff sesuai regulasi yang berlaku.

Bank has complied with Risk Management Certification for Managers and officers as required by regulation.

1.5 Prinsip Kehati-hatian dalam Pemberian Kredit kepada Pihak-Terkait dan Grup Debitur Besar.

1.5 Prudential principles in fund provision to Related-parties and in Large-exposures.

Bank tidak diperbolehkan masuk ke dalam suatu kondisi atau perjanjian dimana bank diharuskan memberikan dana yang melanggar BMPK (Batas Minimum Pemberian Kredit) dan batas pemberian fasilitas kredit. Berdasarkan Peraturan Bank Indonesia pemberian kredit kepada pihak-terkait dan atau kelompok debitur besar masing-masing tidak boleh melebihi 10% dan 25% dari modal bank. Tidak ada pelanggaran BMPK kepada kelompok debitur besar dan pihak-terkait.

The bank is prohibited to enter into condition or agreement that obligate bank to provide fund, which will violate the LLL and credit facility limit granted.

Semua keputusan pemberian kredit harus disetujui oleh komite kredit yang para anggotanya akan memeriksa dan memberi komentar atas masalah yang ada di aplikasi kredit. Bank telah mengkinikan internal limit guna memonitor terjadinya pelampauan BMPK. Selama penilaian aplikasi kredit, account officer harus memeriksa latar belakang profil perusahaan dan manajemennya, dan juga informasi yang relevan menurut faktor-faktor yang diperhitungkan mengenai pihak-terkait dan grup debitur.

This semi annually bank’s anti fraud report has been timely submitted to Bank Indonesia.

Fund provision to Related- party and /or in Large- exposures are in accordance with Bank Indonesia regulation, which the Legal Lending Limit for related-party and in large exposure not exceeded 10 % and 25 %, respectively of the bank capital. There was no breach on the Legal Lending Limit for large exposures and Relatedparty. Any credit decision made must be approved by Loan committee meeting and member of Loan committee will review and comment on the credit application on certain issues. Bank has updated the internal limit for monitoring the LLL impelemtation. During the credit application assessment, account officer must check on the back- ground of the company profile and management, as well as relevant information according to factors counted as related party and or group borrower. LAPORAN TAHUNAN 2014 ANNUAL REPORT

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Per tanggal 31 Desember 2014, saldo pemberian kredit (dalam jutaan rupiah): a. Pihak-terkait : Rp. Nihil b. Debitur Inti: - Individual Rp. 2.861.739 - Kelompok Rp. 3.577.173

1,6

Rencana Strategi Bisnis Bank

As of December 31, 2014 the outstanding balance of ( in million of Rupiah): a. Related- party Rp. None b. Core debtor : - Individual Rp 2.861.739 - Group Rp 3.577.173

1.6 Bank’s strategic business plan

Target Jangka Pendek 1 tahun, menurut misi dan visi bank.

Short Term Target 1 year, according to the bank's mission and vision.

Untuk tahun 2015, Bank merencanakan untuk peningkatan atas portfolio pinjamanya sekitar 19% dibandingkan dengan saldo pinjaman pada akhir 2014. Penambahan ini dikontribusi oleh debitur baru and juga peningkatan pinjaman bagi debitur lama. Dengan ini, di tahun 2014, bank tetap berfokus pada prudent banking principle untuk menjaga kualitas kredit nasabah yang ada. Sedangkan untuk kredit bermasalah (NPL) masih di bawah ketentuan di tahun 2014. Tingkat kredit bermasalah secara gross berada pada level 0,44% dan Tingkat kredit bermasalah secara net berada pada level 0,00%

For the year 2015, Bank plans to increase its loan portfolio approximately 19% compared to the loan balance at the end of 2014. This increase due to potential new debtor and also the loans increase to existing borrowers. Thus, in 2014, Bank remains focused on prudent banking principle to maintain the credit quality of existing customers.

Dalam hal penanganan kredit bermasalah (NPL), bank tetap memberikan perhatian khusus untuk menurunkan saldo rekening kredit bermasalah. Hal yang telah dilakukan bank dalam usaha penurunan rasio kredit bermasalah yaitu dengan melakukan eksekusi agunan dan arus kas nasabah.

In terms of handling non-performing loans (NPL), Bank still pays special attention to lower account balances of nonperforming loans. This has been done in an attempt to decrease the bank NPL ratio by performing collateral and cash flows of customers.

Dilain hal, guna mendukung pertumbuhan kredit, bank merencanakan meningkatkan pertumbuhan Dana Pihak Ketiga (DPK) melalui Cabang Jakarta dan Cabang Pembantu Surabaya dan Medan.

On the other hand, in order to support the growth of credit, Bank plans to increase the growth of Third Party Funds (TPF) Branch through Jakarta and Surabaya and Medan Branch.

Di tahun 2015, bank memproyeksikan peningkatan pendapatan bunga bersih dibandingkan tahun 2014. Untuk mencapai tujuan ini, bank akan menerapkan 3 strategi kunci dengan peran aktif para pihak baik di cabang Jakarta serta cabang pembantu Surabaya dan Medan sebagai berikut: Pertama, mendukung usaha debitur-debitur yang memiliki sikap Good Corporate Governance (GCG). Dalam hal ini bank secara tidak langsung dapat melaksanakan prudential banking principle, karena kecenderungan perusahaan yang memiliki good corporate governance akan lebih transparan, sehingga

In 2015, Bank is projecting an increase in net interest income compared to the year 2014. To achieve this goal, Bank will implement three key strategies with the active participation of Jakarta branch and sub-branch of Surabaya and Medan as follows:

As for non-performing loans (NPLs) are still under the provisions in the year 2014. NPL gross is maintained at level 0.44%, while NPL nett is maintained at level 0.00%

First, it supports business of borrowers who have the attitude of Good Corporate Governance (GCG). In this case the bank could indirectly implement prudential banking principle, due to the tendency of companies that have good corporate governance will be more transparent, so that the bank can properly LAPORAN TAHUNAN 2014 ANNUAL REPORT

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bank dapat secara layak memantau perkembangan usaha nasabah terkait.

monitor the development of the customer's business related.

Kedua, penambahan declared dana usaha dan modal disetor guna mendukung kelanjutan dari rencana pertumbuhan portofolio kredit untuk mencapai target pinjaman untuk nasabah.

Second, the addition of declared working capital and paid up capital to support the continuation of the loan portfolio growth plan to achieve the target of lending to customers.

Ketiga, kerja sama antara team marketing dengan bagian treasury untuk meyakinkan nasabah-nasabah kredit dan deposito untuk melalukan penempatan dananya pada bank dengan diberikan bunga yang menarik, sehingga bank tetap dapat terus memperoleh sumber pendanaan yang berkesinambungan dengan peningkatan kredit Bank mendukung usaha dari nasabah-nasabah yang mempunyai proyek terkait dengan pelayanan (services) dan produksi baik untuk orientasi pasar lokal dan ekspor. Selain itu, direncanakan pada tahun 2015, seorang Deputy General Manager (DGM) baru akan bergabung dengan Bangkok Bank cabang Jakarta guna melakukan supervisi dan mengembangkan kantor cabang Pembantu Surabaya dan Medan, Peran dari DGM baru ini adalah untuk membantu General Manager (GM) dalam pengembangan bisnis bank ke depan. Selain itu, dengan adanya satuan Japanese Desk di kantor Cabang Jakarta yang di kepalai oleh seorang tenaga asing dengan jabatan advisory guna memberikan pelayanan bagi nasabah Jepang yang di perkenalkan oleh kantor pusat. Diharapkan, Japanese Desk akan dapat memberikan kontribusi yang cukup berarti bagi portfolio pinjaman bagi Bank.

Third, cooperation between the marketing team and treasury unit to ensure loan and deposit clients to place its fund in bank by providing competitive interest, so that banks can continue to obtain sustainable funding source to credit enhancement

Sebagai kesimpulan, strategi bank adalah mendukung perbankan di Indonesia yaitu memberikan pinjaman kepada sektor korporasi dengan tujuan untuk mempertahankan pertumbuhan ekonomi Indonesia di tahun 2015 dan mendatang. Dalam hal ini bank akan mendukung nasabah yang membutuhkan pinjaman investasi dan pendanaan atas exportimport.

In conclusion, Bank's strategy is to support banking in Indonesia, which lend to the corporate sector with the aim to sustain economic growth in Indonesia in 2015 and the coming years. In this case the bank will support customers who need loans and investments over the export-import financing.

Sedangkan untuk sumber pendanaan, bank merencanakan untuk terus menggunakan dana pihak ketiga, dana dari kantor pusat dalam bentuk Dana Usaha dan modal disetor untuk dapat di salurkan dalam bentuk pinjaman bagi korporasi dan UMKM. Di tahun 2015, bank berencana untuk menambah Dana Usaha baru sebesar USD 100 Juta yang akan digunakan untuk terus mendukung kebutuhan pinjaman

As for the source of funding, Bank plans to continue to use third-party funds, the funds from the head office in the form of Working Capital and paid-up capital to be granted in the form of loans to corporations and SMEs. In 2015, Bank plans to add an additional Working Capital amount of USD 100 Million that will be used to continue to support the borrowing needs of the borrowes in Rupiah and USD.

Bank supports the efforts of clients who have service-related projects (services) and good production for the local market and export orientation. In addition, planned in 2015, a new Deputy General Manager (DGM) will join the Jakarta branch to supervise and develop the sub branch of Surabaya and Medan, The role of this new DGM is to assist the General Manager (GM) in the bank's future business development. In addition, Japanese Desk has already joined in Jakarta branch and headed by a foreign power to advisory positions in order to provide services to Japanese customers that are introduced by the head office. Bank expected Japanese Desk will be able to provide significant contribution to the Bank's loan portfolio.


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pada nasabah dalam mata uang Rupiah dan USD. Bank telah menempatkan dan memelihara Asset yang digolongkan sebagai CEMA sebesar Rp 1,40 triliun, di atas kewajiban minimum sebesar Rp 1 Triliun dalam bentuk Surat Berharga Negara Indonesia.

Bank has already placed and maintained CEMA Asset for IDR 1.040 Trillion,above minimum Rp 1 Trilion in the form of Indonesian Government Bond.

Dalam hal pemindahan Data Center (DC), Bank merencanakan langkah strategis dalam mempersiapkan pemindahan Data Center dan Data Recovery Center kembali ke wilayah Indonesia dalam jangka waktu 4(empat) tahun ke depan, sesuai dengan implementasi Peraturan Pemerintah no.82 tahun 2012 tertanggal 12 Oktober 2012 tentang penyelenggaraan sistem dan transaksi elektronik. Dalam hal ini bank akan mempersiapkan infrastruktur internal dan sumber daya manusia yang memadai guna pemindahaan tersebut dapat terealisasi.

In the case of the transfer of the Data Center (DC), the Bank planned strategic step in preparing for the transfer of Data Center and Data Recovery Center back to Indonesia in a period of 4 (four) years, in accordance with the implementation of Government Regulation No.82 of 2012 dated October 12 2012 on the implementation of systems and electronic transactions. In this case the bank will prepare internal infrastructure and adequate human resources for the implementation of its onshoring.

Target Jangka Menengah (3 tahun) sesuai dengan misi dan visi bank.

Medium Term Targets (3 years) in accordance with the mission and vision of the bank.

Dalam beberapa tahun terakhir ini, bank telah mencapai kinerja keuangan yang positif sesuai pertumbuhan organik. Bank juga bekerja sama dengan nasabah-nasabah utama dan kelompok nasabah dalam rangka pengembangan aktivitasnya didalam industri perbankan.

In recent years, the bank has achieved positive financial performance in accordance organic growth. Bank is also working with major borrower and groups borrower in order to develop its activities in the banking industry.

Ada 4 strategi kunci untuk mendukung target kami, seperti: 1. Secara keuangan, bank akan tetap berusaha untuk melaksanakan prudent banking, serta tetap memelihara stabilitas jangka menengah dan panjang dari pertumbuhan aktiva dan modal dan pendapatan. 2. Dalam hal pendekatan pada pasar / nasabah, bank akan terus berusaha meningkatan dana pihak dari individual dan perusahaan. 3. Meningkatkan pelayanan kepada nasabah melalui pelatihan staff dan pengembangan keahlian. 4. Bank akan terus memonitor kinerja keuangan bank, sehingga bank dapat mengkaji ulang dengan langkah-langkah untuk memperbaiki kinerja dan strategi.

There are 4 key strategies to support our target, such as: 1. Financially, Bank will continue to strive to implement prudent banking, while maintaining the stability of the mediumand long-term growth and capital assets and income. 2. In terms of the approach to the market / customer, the bank will continue to increase funding from individual and corporate parties. 3. Improve customer service through staff training and skills development. 4. Bank will continue to monitor the financial performance of the bank, so the bank can monitor with measures to improve performance and strategy.


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Target Jangka Panjang (5 tahun) sesuai dengan arahan dari Kantor Pusat.

Long Term Target (5 years) in accordance with the directives of the Central Office.

 Mengembangkan investasi antar negara bagi para nasabah Bank dengan melakukan referral antar Kantor Pusat dan cabangcabang Bank di Luar Negeri, dan Japanese Desk untuk mengembangkan usaha nasabah Jepang yang di perkenalkan oleh Kantor Pusat di Jakarta.  Memilih untuk mendanai industri-industri di Jakarta yang dapat menyerap permintaan yang tinggi dan berkelanjutan dalam negeri maupun ekspor ke Luar Negeri.  Perkuatan jaringan aktivitas cabang di kawasan Asia dan Asia Tenggara guna menyokong Program Ekonomi Asia Tenggara. Dalam hal ini, peran cabang Jakarta diharapkan dapat memberikan kontribusi yang berarti dalam menyongsong program Ekonomi Asia Tenggara.

• Develop inter-state investment bank for its customers by making referrals between the Head Office and branches of overseas Bank, and Japanese Desk to develop business for Japanese customers in Jakarta. • Choosing to fund industries in Jakarta that absorb high demand and sustainable in domestic market and export to overseas. • Strengthening the network activity of branches in Asia and Southeast Asia to support the Southeast Asian Economic Program. In this case, the role of the Jakarta branch is expected to make a significant contribution to Southeast Asian Economic programs.

1.7 Transparansi Kondisi Keuangan dan NonKeuangan Bank telah menyiapkan dan memenuhi semua laporan sesuai prosedur seperti yang ditetapkan di dalam peraturan Bank Indonesia. Bank menyadari pentingnya mengkontribusikan informasi ke masyarakat, pemegang saham, dan komunitas. Untuk masalah ini, Bangkok Bank kantor cabang Jakarta percaya bahwa laporan ke pemegang saham seperti disebutkan diatas akan meningkatkan nilai organisasi kantor cabang dan akan mempertahankan kestabilan kondisi keuangan. Bank juga menerbitkan informasi keuangan di surat kabar lokal dan laporan tahunan bank. Sementara untuk informasi non-keuangan seperti informasi produk bank, informasi mediasi bank, dan Lembaga Penjamin Simpanan (LPS) diumumkan di lobi kantor bank. Bank telah mempunyai local website sendiri yaitu (www.bangkokbank.co.id) untuk menyediakan informasi secara elektronik ke publik.

1.7 Financial and transparency.

Non-financial

conditions

Bank has prepared and complied with all reports requirement with procedures and coverage as stated in Bank Indonesia regulation. The bank realizes the importance of contributing information to public, stakeholder and community. In this regard Bangkok Bank, Jakarta branch believes that its treatment of stakeholders in the previously mentioned ways will help increase the value of the branch organization and will sustain its stable financial condition. Bank has also quarterly published financial information in local newspaper and bank’s annual report. While, for non- financial information such as banking product information, banking mediation information and Deposit Fund Guarantee (LPS) have been announced in the bank’s banking hall. Bank has already provided local website alone by using homepage/website (www.bangkokbank.co.id) in order to allow public to electronically access the Bank’s financial and non- financial information.


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1.8 Informasi Kepemilikan Saham dalam Hubungannya dengan Dewan Komisaris dan Direksi

1.8 Shares ownership information in relation to Board of Commissioners and Board of Directors

Bangkok Bank Cabang Jakarta adalah kantor cabang dari Kantor Pusat Bangkok Bank di Thailand, dalam hal ini tidak ada informasi kepemilikan saham bank yang dilaporkan dan juga tidak ada hubungan keuangan dan keluarga diantara anggota manajemen dengan pemegang saham bank.

Bangkok Bank, Jakarta branch is a branch office of Bangkok Bank – Head Office, Thailand, therefore, there was no shares ownership information of the bank to be declared and also there were no financial and family relationship among management members with bank’s controlling shareholders.

2

Paket Remunerasi kepada Dewan Komisaris dan Direksi

2.

of

Paket Remunerasi untuk Pimpinan Bangkok Bank dapat dijabarkan sebagai berikut: a. Paket Remunerasi seperti gaji, bonus dan tunjangan rutin dan fasilitas lain berkisar antara Rp 8.077.534.842 per tahun untuk 5 orang.

Remuneration package for Bangkok Bank /branch management can be described as follows: a. Remuneration package such as salary, bonus, routine allowance and other facility non benefit in-kind are Rp. 8,077,534,842 per year for 5 persons

b.

b.

Fasilitas lain dalam bentuk tunjangan seperti rumah, transport, dan asuransi kesehatan sebagai berikut: yang akan dimiliki : Rp. Nihil - yang akan dipakai tapi tidak dimiliki: Rp 766.140.000 per tahun untuk 3 orang (General Manager, 2 Deputy General Manager dan Direktur Kepatuhan). - Fasilitas Asuransi Kesehatan untuk manajemen lokal adalah Rp 23.844.800

Total paket remunerasi selama tahun 2014 adalah sebagai berikut: Jumlah > Rp 2milyar Rp 1 s/d 2 milyar Rp 500jt s/d 1 milyar < Rp 500 jt

3

Remuneration package of Board Commissioners and Board of Directors

Direksi/Man 1

Komisaris Nihil

3

Nihil

1

Nihil

Nihil

Nihil

Shares dan Option Karena merupakan kantor cabang dari bank asing maka tidak ada kepemilikan saham dan option yang diberikan dan dilakukan oleh manajemen Bangkok Bank Kantor Cabang Jakarta.

Other facilities in form of benefit in-kind such as housing, transportation and health insurance that: Will be owned: Rp None - Will be used and not owned: Rp 766,140,000 per year for 3 persons (General Manager, 2 Deputy General Manager and Compliance Director). - Health Insurance facility for local management are Rp.23,844,800 Total remuneration package during year 2014 as follows:

Above Rp 2 billion. Rp 1 bilion up to Rp 2 billion Rp 500 million up to Rp 1 billion. Below Rp 500 million 3.

Management 1

Commissary None

3

None

1

None

None

None

Shares and Option Due to as a foreign branch office, there was no Shares owned and Option have been given and executed by Bangkok Bank Indonesia’s branch management.


20

4

Salary Ratio  Rasio gaji karyawan tertinggi dan terendah = 19 : 1  Rasio gaji direksi tertinggi dan terendah = 7:1  Rasio gaji komisaris tertinggi dan terendah = nihil  Rasio gaji Direksi dan karyawan teringgi = 3:1

4.

Salary ratio  The highest and the lowest of employee salary ratio = 19 : 1  The highest and the lowest of Director salary ratio = 7 : 1  The highest and the lowest of Commissioner salary ratio = None  The highest salary of Director and Employee ratio = 3 : 1

5

Pertemuan Dewan Komisaris Karena Bangkok Bank kantor Cabang Jakarta tidak mempunyai Dewan Komisaris di Kantor Cabang, oleh karena itu tidak ada pertemuan Dewan Komisaris yang diadakan di kantor cabang Jakarta.

5.

Board of Commissioners meetings Bangkok Bank, Jakarta branch does not have Board of Commissioner in the branch office, therefore there was no Board of Commissioners meetings were held in Jakarta branch office.

6

Penyimpangan Internal Bank tidak memiliki penyimpangan internal selama tahun 2014. Bank dalam menjalankan usahanya selalu memperhatikan asas kehati-hatian (prudential banking).

6.

Internal Fraud Bank has no internal fraud during 2014. The Bank is always excerted effort ensuring full attention to prudential banking.

7

Permasahan Kasus Hukum Selama tahun 2014 tidak terdapat kasus hukum yang muncul.

7.

Legal matters During 2014 there was no legal case occurs.

8

Transaksi yang menyebabkan Benturan Kepentingan Selama tahun 2014, tidak terdapat transaksi yang menyebabkan benturan kepentingan di kantor cabang kami. Bank tidak akan menentukan kondisi khusus untuk transaksi yang berhubungan keterlibatan manajemen. Bank telah membentuk komite kredit untuk mengelola dan memonitor fasilitas kredit yang akan dan telah diberikan kepada debitur and tidak ada otorisasi dilakukan sendiri dalam pemberian fasiltias kredit. Bank telah menerapkan praktek yang baik yaitu meminta otorisasi dua tingkat untuk semua transaksi dan juga dalam pemisahan tugas.

8.

Transaction that pose conflict of interest

Pembelian kembali saham dan pembelian kembali obligasi Selama tahun 2014, bank tidak mempunyai transaksi untuk pembelian kembali saham dan pembelian kembali obligasi.

9.

9

10 Pemberian Dana kepada Aktivitas Politik dan Sosial Selama 2014, bank tidak menyediakan pemberian dana bagi aktivitas sosial dan juga tidak memberikan sumbangan ke aktivitas politik.

During 2014, there was no transaction that poses conflict of interest that occurs in our branch. Bank will not prescribe special condition for connected transaction in favors of management involved. The credit committee has been formed to manage and monitor the credit facilities will be given and already given to borrower and there shall be no single authority in granting credit facilities. Bank has implemented good practices for dual control authorization level requirement on any transactions as well as segregation of task.

Buy back shares and buy back bonds During 2014, the bank does not have any transaction for buy back shares and buy back bonds.

10. Fund provision to social and political activities. During 2014, the bank does not have provided fund provision to social activity and there was also no donation to political activity.


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II. Penilaian Good Corporate Governance Bank

II. Good Corporate Governance Self – assessment

Sebagai bentuk komitmen dalam memenuhi Peraturan Bank Indonesia No.8/4/PBI/2006 tanggal 30 Januari 2006 sebagaimana diubah dengan PBI No.8/14/PBI/2006 tanggal 5 Oktober 2006 dan SE BI No.15/15/DPNP tanggal 29 April 2013 perihal Pelaksanaan Good Corporate Governance Bagi Bank Umum, maka Bangkok Bank secara rutin telah melakukan Self Assessment yang dilakukan secara komprehensif dan terstruktur dengan mengintegrasikan faktor-faktor penilaian ke dalam 3 (tiga) aspek governance, yaitu governance structure, governance process, dan governance outcome.

As a commitment to meet the Bank Indonesia Regulation No.8/4/PBI/2006 dated January 30, 2006 as amended by PBI No.8/14/PBI/2006 dated October 5, 2006 and BI SE 29th No.15/15/DPNP April 2013 concerning the implementation of Good Corporate Governance for Banks, the Bangkok Bank routinely performs self assessment in comprehensively and structured using three (3) aspects of governance, ie governance structure, governance, process, and governance outcome.

Penilaian Good Corporate Governance Bank telah dikaji ulang secara periodik dan dinilai setidaknya setiap semester. Hasil penilaian Good Corporate Governance bank merupakan bagian terintegrasi dari laporan penerapan Good Corporate Governance.

Assessment of Good Corporate Governance Bank has periodically reviewed and assessed at least every semester. The assessment result of good corporate governance of banks is an integrated part of the implementation of good corporate governance report.

Pelaksanaan prinsip Good Corporate Governance (GCG) Bangkok Bank cabang Jakarta telah berlandaskan pada 5 prinsip dasar yang telah dipatuhi dan penilaian kecukupan dan efektivitas pelaksanaan prinsip GCG dilakukan secara komprehensif dan terstruktur atas ketiga aspek governance, yaitu governance structure, governance process dan governance outcome.

Implementation of Good Corporate Governance (GCG) Bangkok Bank Jakarta branch has been based on five basic principles that have been followed and the assessment of the adequacy and effectiveness of the implementation of corporate governance principles to be comprehensive and structured of the three aspects of governance, ie governance structure, governance and process governance outcomes.

Dari penilaian sendiri atas pelaksanaan GCG, berikut adalah aspek pada GCG yaitu : a. Governance Structure Bank telah memiliki kecukupan struktur tata kelola dalam proses pelaksanaan prinsip GCG dimana komposisi anggota manajemen Bank telah sesuai dengan ketentuan kompleksitas dan skala bisnis usaha Bank. Mayoritas anggota manajemen Bank memiliki pengalaman di bidang operasional perbankan.

Self-assessment for the implementation of good corporate governance, the following are aspects of the GCG namely: a. Governance Structure The Bank has adequate governance structures in the implementation of corporate governance principles in which the composition of the Bank's management in accordance with the terms of the complexity and scale of the Bank's business. The majority of members of the Bank's management have experience in banking operations.

Bank telah membentuk fungsi kepatuhan, SKAI dan SKMR yang independent dari satuan kerja operation dan Bank juga telah memiliki infrastruktur yang memadai dalam bentuk SDM, IT, jaringan kantor, kebijakan dan prosedur dalam menerapkan prinsip GCG dan didukung openuh oleh yang didukung penuh oleh IBG kantor pusat yang menjalankan fungsi selaku Dewan komisaris. Adapun fungsi dewan komisaris dan komitekomite dilakukan oleh IBG, Kantor Pusat terhadap kinerja kantor cabang Jakarta yang hasilnya

Bank has established a compliance function, Internal Audit and Risk Management independent from operations unit and the Bank has adequate infrastructure in the form of HR, IT, office networks, policies and procedures in applying the principles of good corporate governance and is fully supported by IBG headquarters which perform the function as the Board of Commissioner. The functions of the board of commissioners and committees made by IBG, to assess performance of the Jakarta branch office which results in monitoring reports which sent periodically every 3 LAPORAN TAHUNAN 2014 ANNUAL REPORT

22

berupa laporan pengawasan dari IBG yang dikirim secara berkala tiap 3 bulan kepada kantor cabang Bangkok Bank Jakarta. Guna mendukung transparansi, Bank telah memiliki local website yang memuat informasi finansial dan non finansial serta produk perbankan yang dimiliki.

months to the Bangkok Bank branch office in Jakarta. In order to support transparency, the Bank has a local website that contains financial and non financial information and bank owned products.

Terkait implementasi prinsip kepatuhan, Bank senantiaa mensosialisasikan kepada seluruh jenjang dalam Bank tentang ketentuan-ketentuan baru, prinsip kehati-hatian, prinsip manajemen risiko, budaya kepatuhan, pengendalian internal. Manajemen mendukung penuh proses yang menjamin implementasi GCG dalam Bank.

Related to the implementation of the principle of compliance, Bank always disseminates about the new provisions, the precautionary principle, the principle of risk management, a culture of compliance, internal control to all levels within the Bank. Management fully supports the process that ensures the implementation of GCG in Bank.

Selain itu, kantor pusat Bangkok Bank mendukung penuh rencana bisnis Bank dalam rangka peningkatan pertumbuhan kredit portfolio dan penambahan modal disetor dan dana usaha guna memperkuat struktur permodalan Bank.

Additionally, the headquarters of Bangkok Bank fully supports the Bank's business plan in order to increase loan portfolio growth and additional paid-in capital and operating funds to strengthen the Bank's capital structure.

b. Governance Process Fungsi pengawasan dewan komisaris dilakukan oleh International Banking Group (IBG). Hasil pengawasan tersebut diungkapkan dalam laporan berkala yang telah disampaikan kepada Kantor Cabang Jakarta.

b. Governance Process Commissioners’ oversight function performed by the International Banking Group (IBG). The monitoring results are disclosed in the periodic reports that have been submitted to the Branch Office in Jakarta.

Bank telah memiliki komite-komite untuk membantu manajemen Bank, yaitu : Komite Manajemen, Komite Manajemen Risiko, Komite NPL, IT Steering Committee. Rapat komite dilakukan secara berkala,

The Bank has committees to assist management of the Bank, namely: Management Committee, Risk Management Committee, and NPL Committee, the IT Steering Committee. Committee meetings are conducted regularly,

c. Governance Outcome Seluruh hasil rapat manajemen dan komite telah dituangkan dalam risalah rapat dan Bank telah melaporkan kepada OJK terkait pelaksanaan tugas dan fungsi kepatuhan, internal audit, dan SKMR serta pelaporan terkait pelaksanaan GCG.

c. Governance Outcome All the results of management meetings and committees have been set forth in the minutes of meetings and the Bank has reported to the OJK regarding the conduct of the duties and functions of compliance, audit internal, and Risk management and reporting related to the implementation of GCG.

Penilaian sendiri Bank didasarkan pada prinsip Good Corporate Governance yang terdiri dari - Kecukupan transparansi laporan; - Kepatuhan terhadap peraturan perundangundangan; - Perlindungan konsumen; - Oyektivitas dalam melakukan assessment/audit; - Kinerja Bank seperti rentabilitas, efisiensi, dan permodalan; dan/atau - Kepatuhan terhadap ketentuan yang berlaku.

Bank's self assessment based on the principles of good corporate governance consists of - The adequacy of transparency reports; - Compliance with laws and regulations; - The protection of consumers; - Objectivity in performing assessment / audit; - The performance of the Bank such as profitability, efficiency, and capital; and / or - Compliance with applicable regulations.


23

Dari hasil penilaian sendiri dapat dilihat bahwa peringkat penerapan GCG memiliki peringkat 2 atau ‘Baik’. Kesimpulan Umum Pelaksanaan Good Corporate Governance

From the results of the self assessment can be seen that the application of corporate governance ratings have a rating of 2 or 'Good' General Conclusions Implementation of Good Corporate Governance

Penilaian hasil laporan self-assessment tahun 2014 ilakukan oleh Bank telah sesuai dengan ketentuan yang berlaku dan tidak ada hal-hal yang signifikan ditemukan selama pemeriksaan GCG oleh pemeriksa Otoritas Jasa Keuangan (OJK) per posisi 31 Dember 2014 Bank telah menindak lanjuti rekomendasi yang dibuat oleh Pemeriksa Otoritas Jasa Keuangan (OJK).

Assessment reports results of self-assessment in 2014 conducted by the Bank in accordance with applicable regulations and no significant matters discovered by the examiner during the examination GCG Otoritas Jasa Keuangan (OJK) as of December 31, 2014, however Bank has followed up on recommendations made by Otoritas Jasa Keuangan (OJK) auditors.


24

PEREKONOMIAN INDONESIA 2014 Indonesia Economy in 2014 Selama tahun 2014 indikator makro ekonomi Indonesia menunjukan fundamental ekonomi yang melambat. Nilai tukar rupiah terhadap USD melemah dibandingkan dengan tahun 2013 seiring dengan pertumbuhan ekonomi Indonesia sebesar 5,02%.

During 2014 Indonesia’s macroeconomic indicators, in general, showed slows economic fundamentals. The exchange rate of IDR against USD was weakens maintained, and Indonesia experienced 5.02% in economic growth.

Nilai Tukar

Exchange Rate

Nilai tukar USD pada tahun 2014 mengalami pelemahan sebesar 215 nilai dasar dari Rp. 12.170 / 1 USD pada akhir tahun 2013 menjadi Rp. 12.385 / 1 USD pada akhir tahun 2014. Selama tahun 2014, Rupiah berada dalam tren melemah yang disebabkan oleh kuatnya apresiasi dolar AS yang juga didorong oleh sentimen terkait melambatnya perekonomian global, gejolak geopolitik global, dan dampak rambatan krisis di Rusia. Dari domestik,pelemahan dipengaruhi oleh sentimen terhadap defisit transaksi berjalan dan kebutuhan pembayaran Utang Luar Negeri (ULN). Pergerakan Rupiah ke depan diperkirakan masih akan dipengaruhi oleh perkembangan ekonomi global. Pergerakan Rupiah sejalan dengan mata uang kawasan akan diwarnai oleh tekanan dari apresiasi dolar AS. Dolar AS diperkirakan akan menguat secara across the board terkait rencana normalisasi the Fed yang menopang penguatan Dolar Indeks.

The USD exchange rate in year 2014 was fell against IDR by 215 basis points from Rp. 12,170 / 1 USD at the end year 2013 to become Rp. 12,385 / 1 USD at the end of year 2014. Rupiah is trending lower due to the strong appreciation of the US dollar which is also driven by sentiment related to the global economic slowdown, global geopolitical turmoil and contagion effects of the crisis in Russia. In domestic, influenced by weakening sentiment towards the current account deficit and foreign debt payment requirements. Rupiah movement forward will still be influenced by global economic developments. Rupiah movement in line with regional currencies will be colored by the pressure from the appreciation of the US dollar. The US dollar is expected to be strengthened across the board related to the normalization of the Fed's plans that support the strengthening dollar index.

Tingkat Inflasi

Inflation Rate

Inflasi 2014 tercatat sebesar 8,36% (yoy), lebih baik dibanding inflasi 2013 sebesar 8,38% (yoy). Dari sisi harga, terdapat tekanan administered prices yang bersumber dari penyesuaian subsidi BBM dan Tarif Tenaga Listrik (TTL).

Inflation in 2014 was recorded at 8.36% (yoy), better than inflation in 2013 amounted to 8.38% (yoy). From the price, the pressure was coming from administered prices of fuel subsidies and price adjustments Power.

Suku Bunga

Interest Rate

Suku bunga acuan Bank Indonesia pada akhir Desember 2014 sebesar 7,75%, dengan suku bunga Lending Facility naik sebesar 50 bps menjadi 8,00% dan suku bunga Deposit Facility tetap pada level 5,75%.

Bank Indonesia benchmark interest rate at the end of December 2014 amounted to 7.75%, with interest rates Lending Facility increased by 50 bps to 8.00% and Deposit Facility interest rate fixed at 5.75%.


25

Kondisi Sektor Perbankan

Banking Sector Condition

Ketahanan industry perbankan tetap kuat dengan risiko kredit, likuiditas dan pasar yang cukup terjaga, serta dukungan modal uang kuat. Pada tahun 2014, rasio kecukupan modal (Capital Adequacy ratio/CAR) masih tinggi, sebesar 19,40%, jauh diatas ketentuan minimum 8%, sedangkan rasio kredit bermasalah (Non Performing Loan/NPL) tetap rendah dan stabil di kisaran 2,0%. Kondisi Likuiditas membaik terutama didorong oleh ekspansi rekening pemerintah. Pertum,bnuhan Kredit sebesar 11,6% dan pertumbuhan DPK tercatat sebesar 12,3%.

The resilience of the banking industry remains strong with credit risk, market liquidity and fairly maintained, as well as the support of a strong financial capital. In 2014, the capital adequacy ratio (Capital Adequacy Ratio / CAR) is still high, at 19.40%, well above the minimum requirement of 8%, while the NPL (Non Performing Loan / NPL) remain low and stable in the range of 2.0 %. Liquidity conditions improved mainly driven by the expansion of government accounts. Pertum, bnuhan credit of 11.6% and deposit growth stood at 12.3%.


26

LAPORAN MANAGEMEN Management Report Selama periode tahun 2014, Bangkok Bank secara berkesinambungan telah meningkatkan kinerjanya dengan berbagai cara. Beberapa aspek yang berkaitan dengan hal tersebut adalah sebagai berikut:

During the 2014 period, Bangkok Bank has continued to improve its performance in many ways. Some of the specific aspects are mentioned below:

Produk dan Jasa Fokus usaha bank adalah pada sektor korporasi perbankan dengan lingkup bisnis utamanya didalam transaksi perdagangan luar negeri. Bank menyediakan berbagai macam produk dan jasa perbankan untuk melayani kebutuhan yang spesifik dari nasabah. Untuk menarik lebih banyak nasabah dan untuk meningkatkan kualitas pelayanan bank dengan tingkat harga yang kompetitif. Produk dan Jasa yang ditawarkan bank adalah: 1. Pinjaman 2. Deposito 3. Pengiriman uang 4. Kegiatan Ekspor dan Impor 5. Jaminan Bank 6. Transaksi Valuta Asing

Product and Services The bank focuses on corporate banking sector with scope of business is primarily to engage in International trade finance. Bank provides a broad variety of banking products and services catering for the specific needs of our customers. In order to attract more customers and to increase our service quality at competitive price. Products and services offered by the bank are : 1. Loans 2. Deposit 3. Remittance 4. Export and Import 5. Bank Guarantee 5. Foreign Exchange

Teknologi Informasi Untuk meningkatkan efisiensi dan produktivitas kerja dan untuk menyediakan pelayanan yang lebih baik untuk nasabah, bank memandang bahwa teknologi mempunyai peranan yang sangat penting. Bank terus bekerja sama dengan bagian informasi teknologi kantor pusat guna memperkenalkan dan memperbaharui teknologi informasi, Bank secara berkesinambungan melaksanakan proyek pemutakhiran sistim pelaporan ke Bank Indonesia dan juga telah berhasil mengimplementasikan sistem KYC dan AML dengan aplikasi yang di sediakan oleh kantor pusar, dan bank juga melakukan pengembangan atas sistem program pemantauan transaksi / aktivitas yang mencurigakan. Lebih dari itu, bank melakukan peningkatan atas sistem giro, kliring, kas bank dengan mengimplemetasikan Cashier System.

Information Technology In order to increase the efficiency and work productivity as well as providing better services to our customers, bank viewed technology as vital role. Bank is continuously working with Head Office Information Technology Department to introduce and upgrade new information technology system. Bank continuously improve Bank’s reporting system process to Bank Indonesia and Bank has also successfully implemented KYC and AML system from Head Office, and bank has developed a system to monitor suspicious acitivity on a daily basis. More than that, bank has successfully upgraded our current account, clearing, cash system through the implementation of Cashier System

Struktur Organisasi Selama tahun berjalan, Bank telah memulai suatu program untuk meningkatkan kualitas pelayanan dengan memperbaiki prosedur operasi. Lebih dari itu, struktur organisasi ditinjau kembali minimum sekali dalam setahun, seperti meninjau tingkatan perintah, dan memperbaiki komunikasi internal. Bank yakin bahwa kualitas dan usaha dari karyawan merupakan kunci sukses, oleh karenanya bank membangun kekuatan dan budaya kerja dengan motto “Pelayanan yang berkualitas dengan kerja sama yang baik dalam tim kerja.”

Organizational Structure During the year, the Bank has initiated a program to enhance the quality of customer service by improving the operational procedures. Moreover, the organizational structure was revised minimum once a year, so as to review the chain of command, and improve internal communication. Bank recognizes that the quality and effort of our staff is the key to our success and our competitive advantage. Bank are, therefore, building on our traditional strength, which is the culture of providing “Service excellence with quality and team work “


27

Manajemen Risiko

Risk Management

Dalam melakukan kegiatan usaha bank sering dihadapkan pada risiko – risiko sehari-hari seperti risiko pasar, risiko likuiditas, risiko kredit, risiko legal, risiko operasonal, dan risiko terkait lainnya. Berdasarkan peraturan Bank Indonesia no. 5/8/PBI/2003 tanggal 19 Mei 2003, Bank wajib membentuk Komite Manajemen Risiko. Bank telah membentuk Komite Manajemen Risiko (KMR) pada tanggal 30 Oktober tahun 2003, sesuai peraturan Bank Indonesia dan Surat Edaran Bank Indonesia SE no.5/21/DPNP mengenai penerapan manajemen risiko dalam industri perbankan.

In conducting the bank’s business it is constantly exposed to daily risks such as market risk, liquidity risk, credit risk, legal risk, operational risk, and other risks, which relates to the bank’s business. Based on Bank Indonesia regulation no. 5/8/PBI /2003 dated May 19, 2003, it is mandatory for a bank to establish a Risk Management Committee. Bank has established its Risk Management Committee (RMC) on October 30, 2003 to comply with Bank Indonesia regulation, and its circular letter SE No.5/21/DPNP regarding the implementation of risk management in banking industry.

Adapun fungsi dan tanggung jawab Komite Manajemen Risiko adalah memberikan rekomendasi kepada General Manager, yang sekurang-kurangnya meliputi: 1. Penyusunan kebijakan, strategi, dan pedoman penerapan manajemen risiko. 2. Perbaikan atau penyempurnaan pelaksanaan manajemen risiko berdasarkan hasil evaluasi pelaksanaan yang dimaksud. 3. Penetapan hal-hal yang terkait dengan keputusan bisnis yang menyimpang dari prosedur normal.

The function and responsibility of Risk Management Committee are to provide recommendation to General Manager covering at least the following: 1. Formulation of policy, strategy, and guidelines for implementation of risk management. 2. Correction or improvements for risk management implementation based on the risk management evaluation. 3. Justification on matters pertaining to business decision made in irregularities from normal procedure.

Bank sudah mematuhi kewajiban Bank Indonesia atas pelaporan profil risiko. Keseluruhan pedoman manajemen risiko telah diserahkan kepada Bank Indonesia.

Our bank has complied with Bank Indonesia requirement on risk profile report submission. Full set of risk management guideline has already been submitted to Bank Indonesia.

Bank telah melakukan antisipasi terhadap 8 (delapan) risiko yang melekat di bisnis perbankan sebagai berikut:

Bank are anticipating 8 risks inherent attached in the bank business as follows:

Risiko Kredit

Credit Risk

Risiko kredit adalah risiko yang terjadi akibat kegagalan pihak lawan (counterparty) memenuhi kewajibannya. Risiko kredit dapat bersumber dari berbagai aktivitas fungsional bank seperti perkreditan (penyediaan dana), treasuri dan investasi, dan pembiayaan perdagangan, yang tercatat dalam banking book maupun trading book. Terkait dengan Risiko Kredit, Bank telah menerapkan Manajemen Risiko sebagai berikut:

Credit risk is the risk of default by counterparty. Credit risk may arise from various business lines of the Bank, such as credit (provision of funds), treasury and investment, and trade financing, recorded both in the banking book and the trading book. In relation to credit risk, Bank has implemented the following Risk Management:

 Menetapkan kebijakan dan prosedur kredit, termasuk Credit Risk Rating (CRR) serta General Underwriting Standard (GUS), yang berlaku sebagai acuan dalam melakukan analisa kredit.  Melakukan review atas lending policy, untuk dikinikan sesuai dengan rekomendasi Unit





Establishing Lending Policy and Procedures, including Credit Risk Rating (CRR) and General Underwriting Standard (GUS), which are used as a guideline in analyzing credit. Evaluating and updating the Lending Policy to be in accordance with the


28

Kepatuhan, Bank Indonesia, Kantor Pusat, serta peraturan-peraturan baru yang berlaku.  Membentuk Credit Acceptance Unit (CAU), untuk membantu proses review dan evaluasi aplikasi kredit yang diajukan oleh bagian Marketing.  Melakukan Loan Committee Meeting untuk memutuskan pemberian kredit baru, perpanjangan, maupun merekomendasikan aplikasi kredit ke kantor pusat.  Melakukan analisa portfolio kredit berdasarkan konsentrasi sektor industri, customer concentration







recommendations from Compliance, Bank Indonesia, Head Office, as well as other prevailing new regulations. Establishing Credit Acceptance Unit (CAU) to help in reviewing and evaluating the credit applications proposed by the Marketing. Conducting Loan committee Meeting to approve new credit, facility extension, as well as recommending credit application to Head Office for further approval. Performing credit portfolio analysis, based on industry concentrations, as well as customer concentrations.

Risiko Pasar dan Risiko Likuiditas

Market Risk and Liquidity Risk

Risiko Pasar merupakan risiko yang timbul karena adanya pergerakan variable pasar dari portfolio yang dimiliki oleh Bank, yang dapat merugikan Bank. Risiko Pasar terdiri dari risiko suku bunga, risiko posisi modal, risiko komoditas, risiko nilai tukar, dan risiko harga option. Dalam hal ini bank hanya mempertimbangkan risiko nilai tukar mata uang asing dalam risiko pasar. Bank telah mampu mengatur dan mengendalikan risiko ini dengan melakukan pemantauan melalui laporan harian yang dihasilkan oleh sistem komputer.

Market risk is the risk arising from movement in market variables in portfolios held by the Bank that could incur losses for the bank. Market risk consists of interest rate risk, equity position risk, commodity risk, foreign exchange risk and option price risk. Bank is exposed to only foreign exchange risk in this matter. Bank is able to manage and control this risk by monitoring with daily report generated by in-house computer system.

Risiko Likuiditas adalah risiko yang antara lain disebabkan Bank tidak mampu memenuhi kewajiban yang telah jatuh waktu.

Liquidity risk is the risk caused among others by the inability of the Bank to settle its liabilities as it falls due.

Bank membentuk Asset & Liability Committee (ALCO) yang mempunyai fungsi untuk mengatur tingkat bunga dan likuiditas Bank.

Bank has established Asset & Liability Committee (ALCO) with the function of regulating the interest rate and Bank’s liquidity.

Risiko Operasional

Operational Risk

Risiko Operasional adalah risiko yang antara lain disebabkan ketidakcukupan dan atau tidak berfungsinya proses internal, kesalahan manusia, kegagalan system dan adanya problem eksternal yang mempengaruhi operasional Bank. Manajemen Risiko dan proses risiko adalah bagian dari keseluruhan kerangka pengendalian internal. Manajemen bertugas membuat dan memelihara proses pengendalian internal secara efektif. Untuk itu, Bank telah menyusun kebijakan dan prosedur operasional sebagai panduan dalam menjalankan kegiatan bisnisnya.

Operational risk is the risk caused among others by inadequacy and/or dysfunction of internal processes, human error, system failure, and external problems affecting the operations of the Bank. Risk management and risk processes are part of the overall internal control framework of the institution. The senior management is tasked with creating and maintaining an internal control process and monitoring its effectiveness. For that, Bank has established operational policy and procedures as a guideline in operating its business activities.


29

Risiko Hukum

Legal Risk

Risiko hukum adalah risiko yang disebabkan oleh adanya kelemahan aspek yuridis, yang antara lain disebabkan adanya tuntutan hukum, ketiadaan peraturan perundangundangan yang mendukung, atau kelemahan perikatan seperti tidak dipenuhinya syarat sahnya kontrak dan pengikatan agunan yang tidak sempurna. Bank melakukan review atas dokumen-dokumen legal.

Legal risk is the risk arising from legal weaknesses, among others resulting from legal actions, absence of supporting provisions in laws and regulations, or weakness of legally binding provisions, such as failure to comply with legal requirements for contracts and loopholes in binding of collateral. Bank performs reviews on all legal documents.

Risiko Reputasi

Reputation Risk

Risiko reputasi adalah risiko yang antara lain disebabkan oleh adanya publikasi negatif yang terkait dengan kegiatan usaha Bank atau persepsi negatif terhadap Bank. Bank telah membentuk Complaint Unit untuk menangani keluhan nasabah.

Reputation risk is risk brought about among others by negative publicity concerning the operations of the Bank or negative perceptions of the Bank. Bank has established a Complaint unit, with function of handling any customer complaints.

Risiko Strategik

Strategic Risk

Risiko strategik adalah risiko yang antara lain disebabkan oleh pengambilan keputusan bisnis yang tidak tepat atau kurang responsifnya Bank terhadap perubahan eksternal. Bank melakukan pemantauan serta analisis terhadap kinerja Bank secara periodical serta melakukan koreksi atas perbedaan yang signifikan.

Strategic risk is risk among others brought about by poor setting and implementation of the Bank strategy, poor business decision-making, or lack of responsiveness of the Bank to external changes. Bank carry out periodical monitoring as well as analysis on bank’s performance and carry out corrective action s on any deviations.

Risiko Kepatuhan

Compliance Risk

Risiko kepatuhan merupakan risiko yang disebabkan Bank tidak mematuhi atau tidak melaksanakan peraturan perundang-undangan dan ketentuan lain yang berlaku.  Terdapatnya fungsi pengawasan oleh Direktur Kepatuhan, untuk memastikan kepatuhan Bank terhadap peraturan yang berlaku.  Menginformasikan serta mengsosialisasikan peraturan-peraturan baru dan terkini kepada manajemen serta setiap departemen yang bersangkutan.

Compliance risk is the risk arising from failure of the Bank to comply with or implement laws, regulations, and other applicable legal provisions.  Monitoring function are carried out by the Compliance Director, to ensure the Bank’s compliance towards all prevailing regulations  Circulating as well as socializing all new and updated regulations to the Management, as well as all related department.


30

Sumber Daya Manusia

Human Resources

Bank menyadari pentingnya pelatihan pegawai dan pengembangannya untuk mencapai tingkat kualitas pelayanan yang tinggi dan juga mempertahankan tingkat persaingannya. Pada tahun 2014, bank mengadakan pelatihan yang meliputi pelatihan teknis dan peningkatan keahlian karyawan. Pelatihan ini guna memperbaiki efisiensi dan produktivitas sumber daya manusia dan untuk memperbaiki pemahaman mereka akan segala aspek kebijakan perbankan. Bank memiliki kelompok karyawan yang kompak dan berdedikasi tinggi. Salah satu prioritas utama bank saat ini adalah mempersiapkan karyawan untuk menyongsong tantangan masa depan.

Bank recognizes the importance of personnel training and development for ensuring our high services quality and thus maintaining our competitive edge. In year 2014, bank has conducted trainings for both technical and self-improvement skills. The training courses were to improve human resources efficiency and productivity as well as to enhance their understanding of all aspects of the banking policies. Bank has a solid group of employee with high integrities. One of our major priorities is to prepare our staffs for a future challenge.

Dalam tahun 2014, 85 Karyawan telah mengikuti berbagai pelatihan yang terdiri dari ; Pelatihan Bank Payment Obligation (BPO), Manajemen Risiko (BSMR), Know Your Customers (KYC), dan sebagainya.

In 2014, 85 employees have participated in various training consists of ; training Bank Payment Obligation (BPO), Risk Management (BSMR), Know Your Customers (KYC), and so on.

Profil Karyawan berdasarkan latar belakang pendidikan Employee profiles by education level

Desember 2014 December 2014

Senior high school Diploma ( D1 - D4) S1 S2

Jumlah | Total

Desember 2013 December 2013

1 4 68 12

1 6 60 13

85

80

Rencana

Outlook

Dalam tahun yang akan datang, pertumbuhan ekonomi Indonesia diperkirakan pada level 5,4% - 5,8%. Hal ini dikarenakan pemulihan pertumbuhan global di sektor riil dan keuangan. Maka, di harapkan sektor perbankan akan tetap mengalami penguatan ditengah keadaan membaiknya perlambatan ekonomi dunia secara umum. Dalam hal ini, peranan bank dalam hal pendanaan akan membuat peranan penting dengan menawarkan suku bunga pinjaman yang bersaing. Sektor yang akan mendukung peningkatan aktivitas ekonomi tahun 2015 akan tetap berasal dari pertumbuhan di sektor-sektor: pertambangan, manufaktur, perdagangan, hotel dan restaurant, transportasi dan komunikasi.

In the coming years, Indonesian economic growth is expected to be at level range of 5.4% - 5.8%. This is due to the global economic recovery that causes the decrease in real and financial sectors. Therefore, The banking sector is still expected to strengthen amidst the global economic recovery. To promote economic growth, bank’s role in financing will play major role in the economy, and this can be accomplished by offering competitive lending rates. Supporting sectors that will increase economic activity in 2015 are still from high growth in the mining, manufacturing, trade, hotels and restaurants and the transport and communications sector.

Oleh karena itu, dari keterangan ini, bank telah berupaya untuk meningkatkan pinjaman yang aktif. Bank berencana untuk memfokuskan diri meningkatkan portfolio pinjaman dari debitur lama dan menawarkan pinjaman kepada debitur potensial. Strategi bank adalah memberikan

Therefore, in this particular, bank has been exerting effort to increase the active cash loan outstanding. Bank is planning to focus increasing its loan portfolio from existing borrowers and to offer credit lines to potential borrowers. Our strategy LAPORAN TAHUNAN 2014 ANNUAL REPORT

31

prioritas kepada pasar dan kostumer yang berkaitan dengan bidang jasa atau produksi dan manufaktur.

would give priority to market and customer that have project involve in services or production and manufacturing.

Bank akan berfokus pada penyediaan pelayanan dan dukungan aktif pada nasabah, mengintensifkan pemasaran dan menjaga konsistensi dalam kualitas pelayanan bank. Hal ini termasuk membantu staf bank dalam memperbaiki keahlian dan kemampuan mereka dalam peningkatan kualitas kerja, perbaikan sistem teknologi informasi, dan menyediakan dukungan teknis yang memadai

Bank will focus on providing proactive assistance and supports to our customers, intensify our marketing and maintain consistency in our service quality. This will include helping our people to improve their skills and abilities in order to produce work of a higher quality, enhancing our information technology system, and providing the appropriate technical support

KEPATUHAN KEPADA PERATURAN BANK INDONESIA

COMPLIANCE TO BANK INDONESIA REGULATION

Bank terus memonitor kepatuhan terhadap peraturan Bank Indonesia dengan seksama, terutama kepatuhan atas praktek perbankan yang sehat seperti Batas Maksimum Pemberian Kredit, kecukupan modal, giro wajib minimum, posisi devisa netto dan non performing ratio.

Bank strictly monitor our compliance to Bank Indonesia regulations especially toward prudent banking principles, such as legal lending limit, capital adequacy (CAR), statutory requirement, net open position and non performing ratio (NPL). Compliance officer through the respective head of department ensures that all internal procedures as well as all other procedures related to the compliance’s issues have been well carried out, such as procedures for credit approval, legal lending limit and other operational procedures. Compliance officer is independent from bank operational duties. The officer is responsible for the implementation and the oversight of compliance program. One of many tasks is to ensure that bank’s policy is verified against compliance’s requirement.

Pejabat Kepatuhan, melalui Kepala bagian terkait mengawasi bahwa prosedur internal dan prosedur – prosedur lainnya yang berkaitan dengan kepatuhan seperti persetujuan kredit, batas maksimum pemberian kredit dan prosedur operasional lainnya telah dilaksanakan dengan baik. Pejabat kepatuhan adalah merupakan pihak independen dari tugas dan kegiatan operasional bank, yang bertanggung jawab untuk pelaksanaan dan kelalaian dari program kepatuhan Salah satu tugasnya adalah meyakinkan bahwa kebijakan bank dapat diverifikasi terhadap permintaan kepatuhan.


32

KINERJA BANGKOK BANK Bangkok Bank’s Performance

Hasil operasi Bangkok Bank Jakarta selama tahun 2014 telah menunjukkan peningkatan dalam kinerja keuangannya. Kemajuan utama dicapai sebagai dorongan untuk memajukan dasar-dasar operasi bank dan membangun tingkat pertumbuhan pendapatan. Aktiva dan Kewajiban Total keseluruhan pinjaman yang diberikan pada akhir tahun 2014 mencapai Rp. 15.514 milyar, terdapat peningkatan sebesar 30.44% dari Rp. 11.894 milyar pada tahun 2013. Peningkatan terjadi pada sektor industri sebesar 81% Total pencadangan untuk pinjaman yang tak tertagih mengalami peningkatan dari Rp. 350,76 milyar menjadi Rp. 520,76 milyar, terdapat peningkatan 48.47%. Total aktiva Bank naik dari Rp. 15.162 milyar menjadi Rp. 22.742 milyar pada akhir tahun 2014. Total simpanan mengalami kenaikan sebesar 69,34% menjadi Rp. 4.421 milyar pada akhir tahun 2014. Sedangkan, rasio pinjaman (LDR) yang diberikan terhadap simpanan mencapai 350,91%

The operating results of Bangkok Bank Jakarta in 2014 have shown improvement in its financial performance. The major progress was made on key initiatives to strengthen the bank’s operating fundamentals and build revenue growth. Assets and Liabilities Total net outstanding loans at year-end 2014 amounted to Rp. 15,514 billion, an increase of 30,44% from Rp. 11,894 billion in 2013. The increase on loan portfolio occurred in industrial sector by 81%. The allowance for possible loan losses has increased from Rp 350.76 billion to become Rp. 520.76 billion, or increased by 48.47%. Total assets of the Bank increased from Rp. 15,162 billion to Rp. 22,742 billion at the end of year 2014. Total deposit increased by 69.34% to become Rp. 4,421 billion at year-end 2014. Moreover our loan to deposit ratio has reached up to 455.58%.

Pendapatan – Biaya

Income – Expenses

Pada tahun 2014, pendapatan bunga bersih naik dari Rp. 595,66 milyar menjadi Rp 1.006.274,26 milyar, atau naik sebesar 68,93%, dikarenakan peningkatan jumlah pinjaman yang diberikan. Pada tahun 2014, laba operasi mencapai Rp. 625,55 milyar naik sebesar 92,43% jika dibandingkan dengan laba operasi pada tahun 2013 sebesar Rp.324,56 milyar. Secara keseluruhan, laba bersih setelah pajak pada akhir tahun 2014 naik dari Rp. 191,63 milyar menjadi Rp.371,06 milyar berbanding tahun 2013.

In year 2014, interest revenue has increased from Rp. 595.66 billion to Rp. 1,006,274.26 billion, or increased by 68.93%, due to increase in loan given to customers). In year 2014, the operating profit amounted to Rp. 625.55 billion increased by 92.43%, compared to Rp. 324.56 billion in year 2013. Overall, the Bank’s Net Profit after Tax at yearend has increased from Rp. 191.63 billion in year 2014 to become Rp. 371.06 billion compared with year 2013.


33

Modal dan Kecukupan Modal

Capital and Capital Adequacy Ratio

Total modal pada akhir tahun 2014 adalah sebesar Rp. 15.449,86 milyar, meningkat sebesar 33,18% dibandingkan dengan tahun 2013. Menurut Peraturan Bank Indonesia No. 3 / 21 / PBI / 2001 tertanggal 13 Desember 2001 mengenai “Rasio Kecukupan Modal Minimum”, Bank diwajibkan untuk memiliki modal minimum sebesar 8% dari Aktiva Tertimbang Menurut Risiko yang dihitung pada akhir Desember 2014. Rasio kecukupan modal minimum pada Bangkok Bank tahun 2014 masing-masing sebesar 69,16% dan 67,09% pada tahun 2013.

The total capital fund stood at Rp. 15,449.86 billion as at year-end 2014, increased by 33.18% compared to 2013. According to Bank Indonesia Regulation No. 3 / 21 / PBI / 2001 dated 13 December 2001 regarding “Minimum Capital Adequacy Requirement”, Bank is obliged to have minimum capital adequacy ratio as much as 8 percent from Risk Weighted Assets counted at the end of December 2014. Bangkok Bank’s capital adequacy ratio has increased to 69.16% in year 2014 from 67.09% in year 2013.

Kredit Bermasalah

Non Performing Loans

Pada tahun 2014, Persentase Kredit Bermasalah bersih adalah sebesar 0,00%, kredit bermasalah pada tahun 2014 Rp. 75,36 milyar dan Rp. 80,48 milyar pada tahun 2013. Selama tahun 2014. Manajemen melaksanakan langkah strategis khusus untuk penyelesaian masalah kredit macet, melalui proses hukum, lelang umum dan pembayaran cicilan. Bank sedang terus menerus menyesuaikan pendekatan kehati-hatian terhadap cadangan pinjaman dan juga akan lebih memperhatikan dalam memperbaiki manajemen atas Kredit bermasalah.

In year 2014, the percentage of Net Non Performing Loans (NPL) stood at 0.00%, nonperforming loan decreased to Rp. 75.36 billion from Rp 80.48 billion in year 2013. During the year 2014, our management has been giving special attention to solve NPL problem, through legal process, public auction and installment. The Bank is continuing to adopt a prudent approach to loan loss reserves and also will continue to focus on improving its management on Non Performing Loans.

Peristiwa penting

Subsequent Event

Pada tanggal 6 januari 2015, Bank telah mentransfer laba bersih periode sebelumnya ke Kantor Pusat sebesar IDR 158.530,75 Juta.

On January 6, 2015, Bank has remitted previous year’s net income to Head Office in IDR 158,530.75 Million.


34

PENGUNGKAPAN PERMODALAN SERTA PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO BANK Capital disclosure and the Disclosure of risk exposures and Risk Management Bank a. Struktur Permodalan Tabel Pengungkapan Kuantitatif Struktur Permodalan Bank Asing

a. Capital Structure Table of Quantitative Foreign Bank Capital Structure (Dalam jutaan rupiah | In Milion Rupiah )

KOMPONEN MODAL | COMPONENTS (2) (1) I KOMPONEN MODAL | COMPONENTS A Dana Usaha | Net inter office fund 1 Dana Usaha | Net inter office fund 2 Modal Disetor | Paid up capital B Cadangan | Reserves 1 Cadangan Umum | General reserves 2 Cadangan Tujuan | Specific reserves C Laba (rugi) tahun-tahun lalu yang dapat diperhitungkan (100%) Previous years profit (loss) which can be calculated into capital (100%) D Laba (rugi) tahun berjalan yang dapat diperhitungkan (50%) Current year profit which can be calculated into capital (loss) (50%) E Dana Setoran Modal | Fund for paid up capital F Pendapatan Komprehensif Lainnya: kerugian berasal dari penurunan penyertaan dalam kelompok tersedia untuk dijual (100%) Other comprehensive income : losses from equity investment for sale (100%) G Pendapatan Komprehensif Lainnya: keuntungan berasal dari peningkatan penyertaan Other comprehensive income : Gain from equity investment for sale (45%) H Revaluasi Aset Tetap (45%) Receives of Fixed assets revaluation (45%) I Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif Differences between regulatory provision and impairment of earning assets J Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung Required regulatory provision on non productive assets K Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book Differences on adjustment of fair value on financial instrument in the trading book Cadangan umum aset produktif (maks, 1,25% dari ATMR) General provision of earning assets (maximum 1,25% of RWA) M Faktor Pengurang Modal | Capital deduction factor Eksposur Sekuritisasi | Exposure on securitisation MODAL BANK ASING ( Jumlah 1 s.d 12 - 13 ) FOREIGN BANK CAPITAL ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR |RISK WEIGHTED ASSET A Metode Standar | Standardized Method B Metode Internal | Internal Method RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO CAPITAL ADEQUACY RATIO FOR CREDIT RISK,OPERATIONAL RISK AND MARKET RISK [II : (III + IV + V)] L

II III IV V

VI

31 Desember 2014 31 Desember 2013 31 December 2014 31 December 2013 (3) (3)

10,592,252 3,690,957

8,706,707 1,942,569

718,394

647,243

185,529

95,813

262,732

208,451

15,449,864

11,600,783

21,140,883

16,676,101

633,995

442,503

565,234

174,027

69.16%

67.09%


35

b. Geografis dari objek yang didanai oleh Bangkok Bank Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual

No

Kategori Portofolio | Portfolio Category

(2) (1) 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Aset Lainnya Other Assets 12 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) TOTAL Keterangan: Wilayah I : Indonesia Bagian Barat Wilayah II : Indonesia Bagian Tengah Wilayah III : Indonesia Bagian Timur Wilayah IV : Luar Negeri

b. Geography of object being financed by Bangkok Bank Table of Net Amount based on Geography - Bank Only

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Berdasarkan Wilayah | Net Amount Based on Geography Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Total Zone 1 Zone 2 Zone 3 Zone 4 (3) (4) (5) (6) (7) 2,940,567 0 0 0 2,940,567 0

0

0

0

0

0

0

0

0

0

2,114,863

0

0

33,812

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

16,168,424

429,296

19,347

186,238

0

0

0

186,238

302,978

0

0

1,002,390

1,305,368

0

0

0

0

0

21,713,070

429,296

19,347 Remarks Zone I Zone II Zone III Zone IV

0 16,617,067

1,036,202 23,197,915 : : West of Indonesia : Central of Indonesia : East of Indonesia : Overseas


36

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Berdasarkan Wilayah | Net Amount Based on Geography Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Total Zone 1 Zone 2 Zone 3 Zone 4 (3) (4) (5) (6) 1.450.326 0 0 0 1.450.326 0

0

0

0

0

0

0

0

0

0

1.097.481

0

0

95.499

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.035.046

317.843

29.482

550.303

0

0

0

550.303

559.644

0

0

0

559.644

0

0

0

0

0

14.692.800

317.843

29.482 Remarks Zone I Zone II Zone III Zone IV

0 11.382.371

95.499 15.135.624 : : West of Indonesia : Central of Indonesia : East of Indonesia : Overseas


37

c. Sisa jangka waktu aset

c. Remaining maturity of the assets

Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa jangka waktu Kontrak - Bank secara Individual

No

Kategori Portofolio Portfolio Category

(1) (2) 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Aset Lainnya Other Assets 12 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) TOTAL

Table of Net Amount based on Contractual Remaining Maturity- Bank Only

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount based on Remaining Maturity >1 thn s.d. >3 thn s.d. Non< 1 tahun > 5 thn 3 thn 5 thn Kontraktual Total >1 yr s.d. 3 >3 yrs s.d. Non< 1 year > 5 yrs yrs 5 yrs Contractual (3) (4) (5) (6) (7) (8) 2,478,211 0 0 0 462,356 2,940,567 0

0

0

0

0

0

0

0

0

0

0

0

2,066,405

0

0

0

82,270

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5,334,532

2,685,031

469,206

8,128,298

186,238

0

0

0

0

186,238

0

0

0

0

1,305,368

1,305,368

0

0

0

0

0

0

10,065,386

2,685,031

469,206

8,128,298

0 16,617,067

1,849,994 23,197,915


38

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount based on Remaining Maturity >1 thn s.d. >3 thn s.d. Non< 1 tahun > 5 thn 3 thn 5 thn Kontraktual Total >1 yr s.d. 3 >3 yrs s.d. Non< 1 year > 5 yrs yrs 5 yrs Contractual (3) (4) (5) (6) (7) (8) 1.168.721 0 0 0 281.605 1.450.326 0

0

0

0

0

0

0

0

0

0

0

0

1.096.570

0

0

0

96.410

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.259.208

272.928

1.659.011

4.191.224

550.303

0

0

0

0

550.303

0

0

0

0

559.644

559.644

0

0

0

0

0

0

8.074.802

272.928

1.659.011

4.191.224

0 11.382.371

937.659 15.135.624


39

d. Sektor Ekonomi

d. Economic Sectors asssets

Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual

Table of Net Amount based on Economic Sectors

- Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

No Sektor Ekonomi Economic Sector

(1) (2) 1 Pertanian, Perburuan dan Kehutanan Agriculture, Hunting and Forestry 2 Perikanan Fishery 3 Pertambangan dan Penggalian Mining and Excavation 4 Industri Pengolahan Manufacturing 5 Listrik, Gas dan Air Electricity, Gas and Water 6 Konstruksi Construction 7 Perdagangan Besar dan Eceran Wholesale and Retail Trading 8 Penyediaan Akomodasi dan Penyediaan Makan Minum Accommodation and food providers 9 Transportasi, Pergudangan dan Komunikasi Transportation, Warehouse and Communication 10 Perantara Keuangan Financial Brokerage 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan

12

13 14 15

16 17

18 19 20

Real Estate, Leasing and Corporate Services Administrasi pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense, and Compulsory Social Security Jasa Pendidikan Education Services Jasa Kesehatan dan Kegiatan Sosial Health and Social Services Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainya Social Services, Social Culture, Entertainment and Individual Services Jasa perorangan yang melayani rumah tangga Individual Services for Housing Badan Internasional Badan Ekstra Internasional Lainnya International Agencies and Other International Extra Agencies Kegiatan yang Belum Jelas Batasannya Other Services Bukan Lapangan Usaha Non-Business Activity Lainnya Others Total

Tagihan Kepada Bank Pembanguna n Multilateral Tagihan dan Lembaga Kepada Internasional Bank Claims on Claims on Multilateral Banks Development Banks and International Institutions

Tagihan Kepada Tagihan Entitas Kepada Sektor Pemerintah Publik Claims on Claims on Sovereign Public Sector Entity

(3)

(4)

(5)

(6)

Kredit Beragun Rumah Tinggal Claims Secured by Residential Property

(7)

Tagihan Kepada Usaha Mikro, Kredit Usaha Kecil Beragun Kredit dan Properti Pegawai / Portofolio Komersial Pensiunan Ritel Claims Employee Claims on Secured by Loan / Micro and Commercial Pension Small Real Estate Enterprise, and Retail Portfolio (8)

(9)

Tagihan Tagihan Yang Kepada Telah Jatuh Korporasi Tempo Claims on Past Due Corporate Claims

(10)

(11)

(12)

Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any)

Aset Lainnya Other Assets

(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

31,732

0

0

0

0

0

0

0

0

0

0

0

23,416

54,762

0

0

0

0

0

0

0

0

0

0 12,607,231

131,476

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

94,424

0

0

0

0

0

0

0

0

0

0

0

661,325

0

0

0

0

0

0

0

0

0

0

0

424,153

0

0

0

0

0

0

0

0

0

0

0

38,815

0

0

0

2,940,567

0

0 2,148,675

0

0

0

0

600,000

0

0

0

0

0

0

0

0

0

0

0

966,062

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1,169,909

0

1,305,368

0

2,940,567

0

0 2,148,675

0

0

0

0 16,617,067

186,238

1,305,368

0


40

No

Sektor Ekonomi Economic Sector


12

13 14 15

16 17

18 19 20




(3)

(4)

(5)

(6)

31 Desember 2013 | 31 December 2013 Tagihan Kepada Usaha Mikro, Kredit Kredit Usaha Kecil Beragun Beragun Kredit dan Rumah Properti Pegawai / Portofolio Tinggal Komersial Pensiunan Ritel Claims Claims Employee Claims on Secured by Secured by Loan / Micro and Residential Commercial Pension Small Property Real Estate Enterprise, and Retail Portfolio (7)

(8)

(9)


(10)

(11)

(12)



(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

29.482

0

0

0

0

0

0

0

0

0

0

0

4.333

53.812

0

0

0

0

0

0

0

0

0

0

8.995.008

421.056

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

850.242

75.435

0

0

0

0

0

0

0

0

0

0

317.843

0

0

0

0

0

0

0

0

0

0

0

85.207

0

0

0

1.450.326

0

0 1.192.980

0

0

0

0

668.000

0

0

0

0

0

0

0

0

0

0

0

426.857

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.399

0

0

0

0

0

0

0

0

0

0

0

0

0

559.644

0

1.450.326

0

0 1.192.980

0

0

0

0 11.382.371

550.303

559.644

0


41

e. Geografis Pencadangan dari objek yang didanai oleh Bangkok Bank

e. Geography by provision of object being financed by Bangkok Bank

Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual

Table of Gross Financial Assets and Provision based on Geography - Bank Only

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 No

Area | Geography

Keterangan | Description

(2)

(1) 1 Tagihan

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(3)

(4)

(5)

(6)

(7)

5,055,430

0

0

33,812

5,089,242

0

0

0

0

0

16,168,424

429,296

19,347

0

16,617,067

186,238

0

0

0

186,238

75,357

0

0

0

75,357

474,572

8,657

390

0

483,620

0

0

0

0

0

Gross Financial Assets 2 Tagihan yang Mengalami Penurunan Nilai (Impaired) Impaired Assets a. Belum Jatuh Tempo a. Current (≤90dpd) b. Telah Jatuh Tempo b. Past Due (>90dpd) 3 Cadangan Kerugian Penurunan Nilai (CKPN) - Individual Individual Impairment Provision 4 Cadangan Kerugian Penurunan Nilai (CKPN) - Kolektif Portfolio Impairment Provision 5 Tagihan yang Dihapus Buku Write-off Keterangan :

Remarks :

Wilayah I

: Indonesia Bagian Barat

Zone I : West of Indonesia

Wilayah II

: Indonesia Bagian Tengah

Zone II : Central of Indonesia

Wilayah III

: Indonesia Bagian Timur

Zone III : East of Indonesia

Wilayah IV

: Luar Negeri

Zone IV : Overseas


42


Area | Geography


(2)

(1) 1 Tagihan

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(3)

(4)

(5)

(6)

(7)

9.511.280

135.154

29.482

95.499

9.771.415

0

0

0

0

0

4.621.876

182.689

0

0

4.804.565

0

0

0

0

0

76.431

0

0

0

76.431

266.258

7.381

685

0

274.324

0

0

0

0

0


Remarks :

Wilayah I



Wilayah II



Wilayah III



Wilayah IV

: Luar Negeri

Zone IV : Overseas


43

f. Pencadangan berdasarkan Sektor Ekonomi

f. Provision by Economic Sectors assets

Tabel Pengungkapan Tagihan dan Pencadangan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual

Table of Gross Financial Assets based on Economic Sectors - Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Cadangan Kerugian Cadangan penurunan nilai Kerugian Tagihan yang (CKPN) penurunan nilai dihapus Individual (CKPN) - Kolektif buku Individual Portfolio Write off Spececific Impairement Provision Provision

Tagihan yang mengalami Penurunan Nilai Impairment Asset No Sektor Ekonomi Economic Sector

(1)

(2) 1 Pertanian, Perburuan dan Kehutanan

Tagihan Gross Financial Assets (3)

Belum Jatuh Tempo Current (≤90dpd)

Telah Jatuh Tempo Past Due (>90dpd)

(4)

(5)

(6)

(7)

(8)

0

0

0

0

0

0

0

31,732

0

0

640

0

0

0

78,178

75,357

0

0

0

12,552,469

186,238

0

428,725

0

0

0

0

0

0

0

0

94,424

0

0

0

0

0

661,325

0

0

13,337

0

0

424,153

0

0

8,554

0

0

38,815

0

0

783

0

5,089,242

600,000

0

0

12,100

0

0

966,062

0

0

19,482

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,475,277

0

0

0

0

0

7,564,519

15,368,980

264,416

75,357

483,620

0

Agriculture, Hunting and Forestry 2 Perikanan Fishery 3 Pertambangan dan Penggalian Mining and Excavation 4 Industri Pengolahan Manufacturing 5 Listrik, Gas dan Air Electricity, Gas and Water 6 Konstruksi Construction 7 Perdagangan Besar dan Eceran Wholesale and Retail Trading 8 Penyediaan Akomodasi dan Penyediaan Makan Minum Accommodation and food providers 9 Transportasi, Pergudangan dan Komunikasi Transportation, Warehouse and Communication 10 Perantara Keuangan Financial Brokerage 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan Real Estate, Leasing and Corporate Services 12 Administrasi pemerintahan, pertahanan dan jaminan sosial wajib Public Administration, Defense, and Compulsory Social Security 13 Jasa Pendidikan Education Services 14 Jasa Kesehatan dan Kegiatan Sosial Health and Social Services 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainya Social Services, Social Culture, Entertainment and Individual Services 16 Jasa perorangan yang melayani rumah tangga Individual Services for Housing 17 Badan Internasional Badan Ekstra Internasional Lainnya International Agencies and Other International Extra Agencies 18 Kegiatan yang Belum Jelas Batasannya Other Services 19 Bukan Lapangan Usaha Non-Business Activity 20 Lainnya Others Total


44

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Cadangan Kerugian Cadangan penurunan nilai Kerugian Tagihan yang (CKPN) penurunan nilai dihapus Individual (CKPN) - Kolektif buku Individual Portfolio Write off Spececific Impairement Provision Provision

Tagihan yang mengalami Penurunan Nilai Impairment Asset No

(1)






(4)

(5)

(6)

(7)

(8)

0

0

0

0

0

0

29.482

0

0

0

685

0

58.145

0

0

49.763

101

0

5.246.931

4.169.133

0

26.668

217.133

199.103

0

0

0

0

0

0

0

0

0

0

0

0

925.677

0

0

0

21.495

0

135.154

182.689

0

0

7.381

0

59.380

25.827

0

0

1.979

0

3.311.306

0

0

0

15.512

0

0

426.857

0

0

9.912

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.340

59

0

0

126

0

0

0

0

0

0

0

9.771.415

4.804.565

0

76.431

274.324

199.103



45

g. Keseluruhan penurunan nilai cadangan sepanjang g. Overall impairment provision movement tahun during the year Tabel Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai Ekonomi - Bank secara Individual

No


Table of Detail of Impairment Position Movement

- Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 CKPN Individual CKPN Kolektif Individual Impairment Portfolio Impairment Provision Provision (3) (4) 76,431 274,324

(1) (2) 1 Saldo Awal CKPN Beginning Balance of Impairment Provision 2 Pembentukan (Pemulihan) CKPN pada Periode Berjalan (Net) Charge/Release of Impairment Provision for the Current Year (Net) 2.a. Pembentukan CKPN pada Periode Berjalan 2.a. Charge of Impairment Provision for the Current Year 2.b. Pemulihan CKPN pada periode berjalan 2.b. Release of Impairment Provision for the Current Year 3 CKPN yang Digunakan untuk Melakukan Hapus Buku Atas Tagihan pada Periode Berjalan Impairment Provision for Write-off 4 Pembentukan (Pemulihan) Lainnya pada Periode Berjalan Other Charge/Release for the Current Year Total CKPN | Ending Balance of Impairment Provision

No


209,295

1,074

0

0

0

0

0

75,357

483,619

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 CKPN Individual CKPN Kolektif Individual Impairment Portfolio Impairment Provision Provision (3) (4) 182.222 132.297


0

93.312

142.027

0

0

199.103

0

0

0

76.431

274.324


46

h. Skala Peringkat Tabel Pengungkapan Tagihan Bersih Berdasarkan Kategoi Portofolio dan Skala Peringkat - Bank secara Individual Tabel di halaman selanjutnya

h. Rating Table Net Amount based on Portfolio Category and Rating - Bank Only

Table in the next page


47


48


49

idAAA

PT Pemeringkat Efek Indonesia

TOTAL

Exposures at Sharia Unit (if any)

12 Eksposur di Unit Usaha Syariah (apabila ada)

Other Assets

11 Aset Lainnya

Past Due Claims

10 Tagihan Yang Telah Jatuh Tempo

Claims on Corporate

9 Tagihan Kepada Korporasi

Claims on Micro and Small Enterprise, and Retail Portfolio

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Employee Loan/Pension

7 Kredit Pegawai/Pensiunan

Claims Secured by Commercial Real Estate

6 Kredit Beragun Properti Komersial

Claims Secured by Residential Property

5 Kredit Beragun Rumah Tinggal

Claims on Banks

4 Tagihan Kepada Bank

Claims on Multilateral Development Banks and International Institutions

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

0

0

0

0

0

0

0

0

0

0

0

0

Claims on Public Sector Entity

Claims on Sovereign

2 Tagihan Kepada Entitas Sektor Publik

(4)

(idr)AAA

PT ICRA Indonesia

(3)

AAA (idn)

PT Fitch Rating Indonesia

0

(2)

Aaa

Moody's

AAA

Fitch Rating

1 Tagihan Kepada Pemerintah

(1)

No


AAA

Standard and Poor's

Rating Agency

Lembaga Pemeringkat

0

0

0

0

0

0

0

0

0

0

0

0

0

A1+ to A3

Baa1+ to Baa3

Baa1+ s.d Baa3

BBB+ to BBB-

BBB+ s.d BBB-

BBB+ to BBB-

BBB+ s.d BBB-

Ba1+ to Ba3

Ba1+ s.d Ba3

BB+ to BB-

BB+ s.d BB-

BB+ to BB-

BB+ s.d BB-

B1 to B3

B1 s.d B3

B+ to B-

B+ s.d B-

B+ to B-

B+ s.d B-

Below B3

Kurang dari B3

Below B-

Kurang dari B-

Below B-

Kurang dari B-

Tagihan Bersih | Net Amount

P-1

F1+ s.d F1

A-1

F3(idn)

P-3

F3

A-3

Kurang dari F3(idn) Below F3(idn)

Below P-3

Kurang dari P-3

Below F-3

Kurang dari F-3

Below A-3

Kurang dari A-3

(5) 0

538.000

0

0

0

538.000

0

0

0

0

0

0

0

(6)

0

0

0

0

0

0

0

0

66.935

0

0

0

66.935

idA+ to idA-

idA+ s.d idA-

idAA+ s.d idAAidAA+ to idAA-

(Idr)A+ to (Idr)A-

(Idr)AA+ to (Idr)AA-

(7)

idBBB+ to idBBB-

idBBB+ s.d idBBB-

(Idr)BBB+ to (Idr)BBB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(8)

idBB+ to idBB-

idBB+ s.d idBB-

(Idr)BB+ to (Idr)BB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(9)

idB+ to idB-

idB+ s.d idB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)B+ to (Idr)B-

Below (Idr)B-

(10)

Below idB-

Kurang dari idB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(11)

idA1

(Idr)A1+ to (Idr)A1

0

0

0

0

0

0

0

0

0

0

0

0

0

(12)

idA2

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)A2+ to (Idr)A2

(13)

idA3 to idA4

idA3 s.d idA4

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)A3+ to (Idr)A3

Below (Idr)A3

(14)

Below idA4

Kurang dari idA4

0

0

0

0

0

0

0

0

0

0

0

0

0

14.530.689

0

559.644

550.303

10.777.436

0

0

0

0

1.192.980

0

0

1.450.326

(15)

Unrated

Tanpa Peringkat

15.135.624

0

559.644

550.303

11.382.371

0

0

0

0

1.192.980

0

0

1.450.326

(15)

TOTAL

(Dalam jutaan rupiah | In Milion Rupiah )

(Idr)AA+ s.d (Idr)AA- (Idr)A+ s.d (Idr)A- (Idr)BBB+ s.d (Idr)BBB- (Idr)BB+ s.d (Idr)BB- (Idr)B+ s.d (Idr)B- Kurang dari (Idr)B- (Idr)A1+ s.d (Idr)A1 (Idr)A2+ s.d (Idr)A2 (Idr)A3+ s.d (Idr)A3 Kurang dari (Idr)A3

F2(idn)

P-2

F2

A-2

Peringkat Jangka Pendek | Short term Rating

AA+(idn) s.d AA-(idn) A+(idn) s.d A-(idn) BBB+(idn) s.d BBB-(idn) BB+(idn) s.d BB-(idn) B+(idn) s.d B-(idn) Kurang dari B-(idn) F1+(idn) s.d F1(idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Below B-(idn) F1+(idn) to F1(idn)

Aa1+ to Aa3

A+ to AA1+ s.d A3

A+ s.d A-

AA+ s.d AAAA+ to AA-

A+ to A-

AA+ to AA-

Aa1+ s.d Aa3

A+ s.d A-

AA+ s.d AA-

Peringkat Jagka Panjang | Long Term Rating

31 Desember 2013 | 31 December 2013

i. Transaksi Derivatif

i. Derivative Transaction

Tabel Pengungkapan Risiko Kredit Pihak Lawan : Transaksi Derivatif

Table of Counterparty Credit Risk Derivative Transactions (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

Nilai Notional | Notional Amount No

Variabel yang mendasari Underlying Financial Instrument

< 1 Tahun

>1 Tahun - <5 Tahun

>5 Tahun

< 1 Year

>1 Year - <5 Year

>5 Year

Bank secara Individual | Bank Only 1 Suku Bunga Interest Rate 2 Nilai Tukar Foreign Exchange 3 Lainya Others Total

Tagihan Derivatif Derivative Receivable

Kewajiban Derivatif Derivative Payable

Tagihan Bersih Sebelum MRK Net amount before CRM

MRK (Mitigasi Tagihan Bersih Risiko Kredit) setelah MRK CRM (Credit Net Amount Risk after CRM Mitigation)

866,950

0

0

2,795

1,949

0

0

0

1,070,796

0

0

20,801

27,955

28,140

17,513

12,781

0

0

0

0

0

0

0

0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Nilai Notional | Notional Amount No


< 1 Tahun

>1 Tahun - <5 Tahun

>5 Tahun

< 1 Year

>1 Year - <5 Year

>5 Year






0

0

0

0

0

0

0

0

653.809

0

0

49.854

47.886

24.646

17.189

14.007

0

0

0

0

0

0

0

0

j. Mitigasi Risiko Kredit

j. Credit Risk Mitigation

Tabel Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual

Table of Net Amount based on Risk Weight after

Tabel di halaman selanjutnya


Credit Risk Mitigation - Bank Only


50

No


(1) (2) 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk Mitigation ATMR Beban Lainnya RWA Capital 0% 20% 35% 40% 45% 50% 75% 100% 150% Others Charge (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) 2,940,567 0 0 0 0 0 0 0 0 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0 2,148,675

0

0

0

0

0

0

0

0

429,735

34,379

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

470,000

0

0

0

110,000

0

15,891,988

0

0 16,040,988

1,283,279

0

0

0

0

0

0

0

0

186,238

0

279,357

22,349

0

0

0

0

0

0

0

1,294,925

0

0

1,294,925

103,594

0

0

0

0

0

0

0

0

0

0

0

0

2,940,567 2,618,675

0

0

0

110,000

0

17,186,913

186,238

0 18,045,005

1,443,601

Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Aset Lainnya Other Assets 12 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Neraca | Total of Balance Sheet B

Eksposur Rekening Administratif | Off Balance Sheet 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Rekening Administratif | Total Off Balance Sheet C

Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,772,507

0

0

2,772,507

221,801

0

0

0

0

0

0

0

0

207,059

0

310,589

24,847

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,772,507

207,059

0

3,083,096

246,648

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

485

0

0

0

8,688

0

0

0

0

4,441

355

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

8,340

0

0

8,340

667

0

0

0

0

0

0

0

0

0

0

0

0

0

485

0

0

0

8,688

0

8,340

0

0

12,781

1,022

Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate 7 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


51

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk ATMR Beban Lainnya RWA Capital 0% 20% 35% 40% 45% 50% 75% 100% 150% Others Charge (3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0 1.192.980

0

0

0

0

0

0

0

0

238.596

19.088

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

588.000

0

0

0

66.935

0

10.604.990

0

0 10.756.058

860.485

0

0

0

0

0

0

0

0

546.219

0

819.329

65.546

0

0

0

0

0

0

0

551.440

0

0

551.440

44.115

0

0

0

0

0

0

0

0

0

0

0

0

0 1.780.980

0

0

0

66.935

0

11.156.430

546.219

0 12.365.422

989.234

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.108.774

0

0

4.108.774

328.702

0

0

0

0

0

0

0

0

125.265

0

187.898

15.032

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.108.774

125.265

0

4.296.672

343.734

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1.289

0

0

0

4.302

0

0

0

0

2.409

193

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.598

0

0

11.598

928

0

0

0

0

0

0

0

0

0

0

0

0

0

1.289

0

0

0

4.302

0

11.598

0

0

14.007

1.121




Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate 7 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


52

Tabel Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual

No


(1) A

(2) Eksposur Neraca | On Balance Sheet 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Aset Lainnya Other Assets 12 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Neraca | Total On Balance Sheet Eksposur Rekening Administratif | Off Balance Sheet 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims 11 Aset Lainnya Other Assets 12 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Rekening Administratif | Total Off Balance Sheet

Table Net Amount and Credit Risk Mitigation Technique –Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Bagian Yang Tidak Bagian Yang Dijamin Dengan | Exposure Which is Secured by Dijamin Agunan Garansi Asuransi Kredit Lainnya Unsecured Exposure Cash Collateral Guarantee Credit Insurance Others (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]

Tagihan Bersih Net Amount (3) 2,940,567

0

0

0

0

2,940,567

0

0

0

0

0

0

0

0

0

0

0

0

2,148,675

0

0

0

0

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

16,617,067

145,079

0

0

0

16,471,988

186,238

0

0

0

0

186,238

1,305,368

0

0

0

0

1,305,368

0

0

0

0

0

0

23,197,915

145,079

0

0

0

23,052,836

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

6,086,553

89,701

0

0

0

5,996,852

1,035,294

4,085

0

0

0

1,031,209

0

0

0

0

0

0

B

Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate 7 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk Total (A+B+C)

0

0

0

0

0

0

7,121,847

93,786

0

0

0

7,028,061

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

15,294

0

0

0

0

15,294

0

0

0

0

0

0

5,790

0

0

0

0

5,790

0

0

0

0

0

0

21,084 30,340,846

0 238,865

0 0

0 0

0 0

21,084 30,101,981

C


53

No


(1) A


(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Bagian Yang Tidak Bagian Yang Dijamin Dengan | Exposure Which is Secured by Dijamin Agunan Garansi Asuransi Kredit Lainnya Unsecured Exposure Cash Collateral Guarantee Credit Insurance Others (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]

Tagihan Bersih Net Amount (3) 1.450.326

0

0

0

0

1.450.326

0

0

0

0

0

0

0

0

0

0

0

0

1.192.980

0

0

0

0

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.382.371

122.446

0

0

0

11.259.925

550.303

4.084

0

0

0

546.219

559.644

0

0

0

0

559.644

0

0

0

0

0

0

15.135.624

126.530

0

0

0

15.009.094

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

B


0

0

0

0

0

0

8.458.553

263.262

0

0

0

8.195.291

619.184

4.084

0

0

0

615.100

0

0

0

0

0

0

0

0

0

0

0

0

9.077.737

267.346

0

0

0

8.810.391

0

0

0

0

0

0

0

0

0

0

0

0

C

0

0

0

0

0

0

15.047

0

0

0

0

15.047

0

0

0

0

0

0

11.598

0

0

0

0

11.598

0

0

0

0

0

0

26.645 24.240.006

0 393.876

0 0

0 0

0 0

26.645 23.846.130


54

k. Perhitungan ATMR Risiko Kredit pendekatan Standar – Bank secara Individual Tabel Pengungkapan Eksposur Aset di Neraca

No

Kategori Portofolio Portfolio Category (2)

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

No



k. Credit RWA Calculation under Standardized Approach – Bank Only Table of Asset Exposure on Balance Sheet (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 2,940,567 0 0 0

0

0

0

0

0

2,148,675

429,735

429,735

0

0

0

0

0

0

0

0

0

0

0

0

16,617,067

16,186,067

16,040,988

186,239

279,358

279,358

1,305,368

0

1,294,925

23,197,916

16,895,160

18,045,006

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 1.450.326 0 0 0

0

0

0

0

0

1.192.980

238.596

238.596

0

0

0

0

0

0

0

0

0

0

0

0

11.382.371

10.878.504

10.756.058

550.303

825.455

819.329

559.644

0

551.440

15.135.624

11.942.555

12.365.423


55

Tabel Pengungkapan Eksposur Kewajiban Komitmen / Kontinjensi pada Transaksi Rekening Administratif

No


(1) 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Kredit Beragun Rumah Tinggal Claims Secured by Residential Property 6 Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate 7 Kredit Pegawai/Pensiunan Employee Loan/Pension 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 9 Tagihan Kepada Korporasi Claims on Corporate 10 Tagihan Yang Telah Jatuh Tempo Past Due Claims Total

No



Table of Exposure on Commitment / Contigent liabilities in Administrative Accounts (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,862,209

2,862,209

2,772,507

207,059

310,588

310,588

3,069,268

3,172,797

3,083,095

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.372.037

4.372.037

4.108.775

129.349

194.023

187.897

4.501.386

4.566.060

4.296.672


56

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat kegagalan Pihak Lawan

No


(1) 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate Total

No



Table of Counter Party Risk


0

0

0

0

0

19,799

9,172

4,441

0

0

0

8,340

8,340

8,340

28,139

17,512

12,781


0

0

0

0

0

15.048

5.591

2.409

0

0

0

11.598

11.598

11.598

26.646

17.189

14.007


57

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat kegagalan Setelmen

No

Jenis Transaksi Type of Transaction (2)

(1) 1 Delivery versus payment Delivery versus payment a. Beban Modal 8% (5-15 hari) a. Capital Charge 8% (5-15 days) b. Beban Modal 50% (16-30 hari) a. Capital Charge 50% (16-30 days) c. Beban Modal 75% (31-45 hari) a. Capital Charge 75% (31-45 days) d. Beban Modal 100% (lebih dari 45 hari) a. Capital Charge 100% (more than 45 days) 2 Non-delivery versus payment Non-delivery versus payment Total

No



Tabel Pengungkapan Eksposur Sekuritisasi

Table of Settlement Risk

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Faktor Pengurang Modal ATMR Setelah MRK Net Amount Capital Deduction Factor RWA After CRM (3) (4) (5) 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0


0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Table of Disclosure of Securitization Exposures (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

No

Jenis Transaksi Type of Transaction

(1) (2) 1 Fasilitas Kredit Pendukung yang memenuhi persyaratan supporting Credit Facility that meets the requirements 2 Fasilitas Kredit Pendukung yang tidak memenuhi persyaratan supporting Credit Facility that do not meets the requirements 3 Fasilitas Likuiditas Pendukung yang memenuhi persyaratan Liquidity facilities that meet the requirements 4 Fasilitas Likuiditas Pendukung yang tidak memenuhi persyaratan Liquidity facilities that do not meet the requirements 5 Pembelian Efek Beragun Aset yang memenuhi persyaratan Purchase of Asset-Backed Securities that meet the requirements 6 Pembelian Efek Beragun Aset yang tidak memenuhi persyaratan Purchase of Asset-Backed Securities that do not meet the requierments Eksposur Sekuritisasi yang tidak tercakup dalam ketentuan Bank Indonesia 7 mengenai prinsip-prinsip kehati-hatian dalam aktivitas sekuritisasi aset Securitisation exposures that are not covered by the provisions of Bank Indonesia on the principles of prudence in asset securitization for banks. Total

Faktor Pengurang Modal Capital Deduction Factor

ATMR RWA

(3)

(4) 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0


58




Tabel Pengungkapan di Unit Usaha Syariah

No (1) 1 Total Eksposur Total Exposure




Tabel Pengungkapan Total Pengukuran Risiko Kredit Jenis Transaksi Type of Transaction Total ATMR Risiko Kredit Total Credit Risk Weighted Asset Total Faktor Pengurang Modal Total Capital Deduction Factor

Jenis Transaksi Type of Transaction Total ATMR Risiko Kredit Total Credit Risk Weighted Asset Total Faktor Pengurang Modal Total Capital Deduction Factor


ATMR RWA

(3)

(4) 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Table of Exposure in Sharia Unit (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Faktor Pengurang Modal ATMR Capital Deduction Factor RWA (3) (4) 0 0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Faktor Pengurang Modal ATMR Capital Deduction Factor RWA (3) (4) 0 0

Table of Total Credit Risk (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 31 December 2014 21,140,883 0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 31 December 2013 16.676.101 0


59

l. Perhitungan ATMR Risiko Pasar pendekatan Standar – Bank secara Individual Tabel Pengungkapan Risiko Pasar dengan

Menggunakan Metode Standar

Jenis Risiko Type of Risk

No (1)

(2) 1 Risiko Suku Bunga Interest Rate Risk a. Risiko Spesifik a. Specific Risk b. Risiko Umum b. General Risk 2 Risiko Nilai Tukar Foreign Exchange Risk 3 Risiko Ekuitas *) Equity Risk *) 4 Risiko Komoditas *) Commodity Risk *) 5 Risiko Option Option Risk

Total

No (1)

Total

Jenis Risiko Type of Risk (2) 1 Risiko Suku Bunga Interest Rate Risk a. Risiko Spesifik a. Specific Risk b. Risiko Umum b. General Risk 2 Risiko Nilai Tukar Foreign Exchange Risk 3 Risiko Ekuitas *) Equity Risk *) 4 Risiko Komoditas *) Commodity Risk *) 5 Risiko Option Option Risk

l. Market RWA Calculation under Standardized Approach – Bank Only Table of Market Risk under the Standardized Approach

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Bank Beban Modal ATMR Capital Charge RWA (3) (4)

38

474

44,732

559,148

449

5,612

0

0

0

0

0

0

45,219

565,234


0

0

1.901

23.763

12.021

150.264

0

0

0

0

0

0

13.922

174.027


60

m. Perhitungan ATMR Risiko Operasional – Bank secara Individual Tabel Pengungkapan Kuantitatif Risiko Operasional

No

Pendekatan Yang Digunakan Approach

(1) (2) 1 Pendekatan Indikator Dasar Basic Indicator Approach

No



m. Operational RWA Calculation– Bank Only

Table of Operational Risk Under Basic Indicator Approach

(Dalam jutaan rupiah | In Milion Rupia h) 31 Desember 2014 | 31 December 2014 Pendapatan Bruto Beban Modal ATMR (Rata-rata 3 tahun terakhir)*) Gross Income Capital Charge RWA (Average of last 3 years)*) (3) (4) (5) 338,131 50,720 633,995

(Dalam jutaan rupiah | In Milion Rupia h) 31 Desember 2013 | 31 December 2013 Pendapatan Bruto Beban Modal ATMR (Rata-rata 3 tahun terakhir)*) Gross Income Capital Charge RWA (Average of last 3 years)*) (3) (4) (5) 236.000 35.400 442.503


61

n. Profil Maturitas

n. Maturity Profile

Tabel Pengungkapan Profil Maturitas Rupiah Bank secara Individual Rekening Account

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2 Penempatan pada Bank Indonesia Placement to BI 3 Penempatan pada bank lain Placement to Other Bank 4 Surat Berharga | Marketable Securities 5 Kredit yang diberikan | Loan 6 Tagihan lainnya | Other Receivables 7 Lain-lain | Others Jumlah Aset | Total Asset Kewajiban | Liabilities 1 Dana pihak ketiga Deposit from Customer 2 Kewajiban kepada Bank Indonesia Liabilities to BI 3 Kewajiban kepada Bank lain Liabilities to Bank 4 Surat berharga yang diterbitkan Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 6 Kewajiban lainnya | Other Liablities 7 Lain-lain | Others Jumlah Kewajiban | Total Liabilities

Table of Maturity Profile Rupiah – Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Jatuh Tempo | Maturity > 1 bln s.d 3 > 3 bln s.d 6 > 6 bln s.d bln bln 12 bln > 12 bulan >1 month >3 months >6 months >12 months to 3 months to 6 months to 12 months

Tagihan Bersih Net Amount

< 1 bulan up to 1 month

7,834 756,354

7,834 318,892

-

437,462

-

-

1,410,385

720,385

-

690,000

-

-

1,472,723 3,957,018 7,604,314

170,030 1,217,141

338,178 338,178

542,872 1,670,334

936,358 936,358

1,472,723 1,969,580 3,442,303

2,722,090

1,326,964

417,086

30,853

944,803

2,384

-

-

-

-

-

-

80,145

80,145

-

-

-

-

-

-

-

-

-

-

4,245 2,806,480

4,245 1,411,354

417,086

30,853

944,803

2,384

B.

Selisih Aset dengan kewajiban dalam neraca Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. Tagihan rekening administratif | Administrative Receivable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Tagihan rekening administratif Total Administrative Receivable Kewajiban rekening administratif | Administrative Payable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Kewajiban rekening administratif Total Administrative Payavle

4,797,834

(194,213)

(78,908)

1,639,481

(8,445)

3,439,919

-

-

-

-

-

-

1,784,991 32,277 1,817,268

33,269 7,596 40,865

118,292 2,356 120,648

462,127 11,898 474,025

113,148 10,427 123,575

1,058,155 1,058,155

(1,817,268)

(40,865)

(120,648)

(474,025)

(123,575)

(1,058,155)

2,980,566

(235,078)

(199,556)

1,165,456

(132,020)

2,381,764

-

(235,078)

(434,634)

730,822

598,802

2,980,566

B.

Selisih tagihan dan kewajiban dalam rekening administratif Derivative Receivable - Derivative Payable Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] Selisih kumulatif | Cummulative Difference


62

Rekening Account


31 Desember 2013 | 31 December 2013 Jatuh Tempo | Maturity > 1 bln s.d 3 > 3 bln s.d 6 > 6 bln s.d bln bln 12 bln > 12 bulan >1 month >3 months >6 months >12 months to 3 months to 6 months to 12 months



5.685 102.705

5.685 102.705

-

-

-

-

910.950

910.950

-

-

-

-

1.349.599 2.328.195 203.840 4.900.974

17.079 302.324 203.840 1.542.583

426.416 162.435 588.851

713.727 132.051 845.778

358.336 358.336

192.377 1.373.049 1.565.426

735.446

519.074

166.650

46.367

3.355

-

335.134

285.000

50.000

-

-

134

-

-

-

-

-

-

1.146 1.071.726

1.146 805.220

216.650

46.367

3.355

134

3.829.248

737.363

372.201

799.411

354.981

1.565.292

-

-

-

-

-

-

1.940.946 48.416 1.989.362

131.419 20.802 152.221

486.440 15.794 502.234

755.510 7.159 762.669

59.454 3.524 62.978

508.123 1.137 509.260

(1.989.362)

(152.221)

(502.234)

(762.669)

(62.978)

(509.260)

1.839.886

585.142

(130.033)

36.742

292.003

1.056.032

-

585.142

455.109

491.851

783.854

1.839.886

B.


-

B.



63

Tabel Pengungkapan Profil Maturitas Valas - Bank secara Individual Rekening Account

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2 Penempatan pada Bank Indonesia Placement to BI 3 Penempatan pada bank lain Placement to Other Bank 4 Surat Berharga | Marketable Securities 5 Kredit yang diberikan | Loan 6 Tagihan lainnya | Other Receivables 7 Lain-lain | Others Jumlah Aset | Total Asset B. Kewajiban | Liabilities 1 Dana pihak ketiga Deposit from Customer 2 Kewajiban kepada Bank Indonesia Liabilities to BI 3 Kewajiban kepada Bank lain Liabilities to Bank 4 Surat berharga yang diterbitkan Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 6 Kewajiban lainnya | Other Liablities 7 Lain-lain | Others Jumlah Kewajiban | Total Liabilities Selisih Aset dengan kewajiban dalam neraca Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. Tagihan rekening administratif | Administrative Receivable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Tagihan rekening administratif Total Administrative Receivable B. Kewajiban rekening administratif | Administrative Payable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Kewajiban rekening administratif Total Administrative Payable

Table of Maturity Profile Foreign Currency – Bank Only


(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Jatuh Tempo | Maturity > 1 bln s.d 3 > 3 bln s.d 6 > 6 bln s.d 12 < 1 bulan bln bln bln > 12 bulan up to 1 month >1 month to >3 months to >6 months >12 months 3 months 6 months to 12 months

2,601 1,154,282

2,601 1,154,282

-

690,216

690,216

-

15,023 11,643,188 1,062,509 991,060 15,558,879

15,023 300,448 838,105 991,060 3,991,735

913,468 171,879 1,085,347

1,569,588 52,525 1,622,113

2,069,905 2,069,905

6,789,779 -

1,664,619

1,452,650

205,207

6,762

-

-

-

-

-

6,789,779

-

-

-

-

-

-

-

-

11,765,750 30,331 5,326 13,466,026

1,052,725 28,944 5,326 2,539,645

1,387

-

5,015,925 -

5,697,100 -

206,594

6,762

5,015,925

5,697,100

2,092,853

1,452,090

878,753

1,615,351

(2,946,020)

1,092,679

1,592,153 1,592,153

1,055,152 1,055,152

279,604 279,604

105,396

152,001

-

105,396

152,001

-

1,827,459 69,083 7,278,381

1,658,835 272 1,659,107

1,457,331 359 1,457,690

713,042 29,464 742,506

1,370,896 38,988 1,409,884

2,009,194 2,009,194

(1,178,086)

(637,110)

(1,257,883)

(2,009,194)

978,241

(4,203,903)

(916,515)

1,527,043

(2,676,860)

(3,593,375)

Selisih Tagihan dan Kewajiban dalam rekening administratif Administrative Receivable - Administrative Payable

(5,686,228)

(603,955)

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)]

(3,593,375)

848,135

(299,333)

848,135

548,802

Selisih kumulatif | Cummulative Difference

-

-


64

Rekening Account

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2 Penempatan pada Bank Indonesia Placement to BI 3 Penempatan pada bank lain Placement to Other Bank 4 Surat Berharga | Marketable Securities 5 Kredit yang diberikan | Loan 6 Tagihan lainnya | Other Receivables 7 Lain-lain | Others Jumlah Aset | Total Asset B. Kewajiban | Liabilities 1 Dana pihak ketiga Deposit from Customer 2 Kewajiban kepada Bank Indonesia Liabilities to BI 3 Kewajiban kepada Bank lain Liabilities to Bank 4 Surat berharga yang diterbitkan Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 6 Kewajiban lainnya | Other Liablities 7 Lain-lain | Others Jumlah Kewajiban | Total Liabilities Selisih Aset dengan kewajiban dalam neraca Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. Tagihan rekening administratif | Administrative Receivable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Tagihan rekening administratif Total Administrative Receivable



2.518 178.899

2.518 178.899

-

282.030

3.982

182.550

13.618 9.604.479 347.600 10.429.144

13.618 5.966.367 75.588 6.240.972

417.553 212.549 812.652

165.390 53.682 219.072

672.551 5.781 773.830

2.382.618 -

1.875.324

1.732.533

132.349

10.442

-

-

-

-

-

95.498

2.382.618

-

-

-

-

-

-

-

-

8.885.256 1.044.554 1.156 11.806.290

1.887.506 387.456 1.156 4.008.651

4.563.750 326.752

2.434.000 322.882

6.207

1.257

5.022.851

2.767.324

6.207

1.257

(1.377.146)

2.232.321

(4.210.199)

(2.548.252)

767.623

2.381.361

689.431 689.431

416.908 416.908

78.375 78.375

194.148

-

-

194.148

-

-

1.827.459 116.941 7.558.141

1.822.993 4.466 1.827.459

1.061.991 17.269 1.079.260

1.439.151 89.352 1.528.503

2.277.591 5.197 2.282.788

839.474 657 840.131


(6.868.710)

(1.410.551)

(1.000.885)

(1.334.355)

(2.282.788)

(840.131)


(8.245.856)

821.770

(5.211.084)

(3.882.607)

(1.515.165)

1.541.230

821.770

(4.389.314)

(8.271.921)

(9.787.086)

(8.245.856)

B. Kewajiban rekening administratif | Administrative Payable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Kewajiban rekening administratif Total Administrative Payable


-


65

MANAJEMEN The Management KOMITE–KOMITE INTERNAL Peraturan Bank Indonesia no 2/27/PBI/2000 tanggal 15 Desember 2000 mengenai Bank umum menyebutkan bahwa pejabat eksekutif adalah pejabat yang mempunyai pengaruh terhadap kebijakan dan operasional bank serta bertanggung jawab langsung kepada Direksi. Keputusan yang dibuat dan diambil atas semua kebijakan harus mendapat persetujuan dari komite yang terkait.

INTERNAL COMMITTEES Bank Indonesia regulation No 2/27/PBI/2000 dated December 15, 2000 regarding Commercial bank defines Executive Officer as any position exerting influence on bank policy and operations and is directly responsible to the Boards of Directors. Relevant committee approved decisions on policies and directions of the bank.

Komite-komite yang terdapat dalam bank adalah:

Established committees in the bank are:

i. KOMITE MANAJEMEN Komite ini bertanggung jawab atas efisiensi kinerja bank. Termasuk penelahaan secara periodik dan pengarahan operasional, personalia, serta bagian umum yang akan dibawa dan dibicarakan didalam komite. Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan.

i. MANAGEMENT COMMITTEE The committee is responsible to ensure proper and efficient bank performance running. It covers the periodical review and direction of operations, personnel and general affairs. Any matters arise during the course of operation will be brought up by appropriate members for further deliberation of the committee. The meeting will be held monthly or as often as required. The current members are: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf. - Heru Purwanto - Louis Chandra - Mario Prayitno

Anggota komite saat ini adalah: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno ii. KOMITE ASET dan KEWAJIBAN ALCO adalah komite yang specific dibentuk dibawah IBG (International Banking Group – HO) yang bertanggung jawab dalam mengelola asset dan kewajiban bank sekaligus melaporkannya pada IBG. Beranggotakan sebagai berikut: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno

ii. ASSETS AND LIABILITIES COMMITTEE ALCO is a specific committee delegated by IBG to be responsible for managing bank’s assets and liabilities as well as to report to IBG through Management Committee. With the following members: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno


66

iii. KOMITE KREDIT iii. LOAN COMMITTEE Tanggung jawab utama dari komite ini adalah The main responsibility of this committee is to assess mengakses dan menganalisa seluruh portofolio and analyze all the banks’ loan portfolio, which includes pinjaman dari bank termasuk baik rekening pinjaman active and non-performing loan accounts. The meeting lancar maupun pinjaman bermasalah. will be held weekly and attended by members Rapat diadakan setiap minggu dan dihadiri oleh anggota specifically approved by Head Office. yang spesifik telah disetujui oleh Kantor Pusat. Anggota komite saat ini adalah: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Mario Prayitno

iiii. KOMITE MANAGEMEN RESIKO Komite ini bertanggung jawab atas pemantauan penerapan kebijakan managemen resiko, memantau posisi resiko untuk setiap jenis resiko dan aktivitas fungsional serta memeriksa secara berkala mengenai managemen resiko. Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan. Anggota komite yang sekarang adalah: - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Heru Purwanto - Anwar Munaf - Mario Prayitno - Frederick Wolfe

The current members are: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Mario Prayitno

iiii. RISK MANAGEMENT COMMITTE The Committee is responsible to monitor the implementation of risk management strategy, composite risk position for each type and functional activity and periodically review on risk management procedure. The meeting will be held monthly basis or as often as required. The current members are: - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Heru Purwanto - Anwar Munaf - Mario Prayitno - Frederick Wolfe


67

Pejabat Eksekutif / Executives: Chalit Tayjasanant, Senior Vice President General Manager, lahir pada tanggal 24 Mei 1953, sebelum penunjukkannya pada bulan Maret 2002, beliau menjabat sebagai Pejabat Kepala Eksekutif dan Direktur Eksekutif dari Bangkok Bank Berhad, Kuala lumpur. Setelah mendapat gelar Bachelor of Science dari Michigan Technological University, dan Master of Science dari University of Dallas, beliau bergabung dengan Bangkok Bank Kantor pusat pada bulan Januari 1981

General Manager, born on May 24, 1953, before his appointment in March 2002, he was formerly Chief Executive Officer & Executive Director of Bangkok Bank Berhad, Kuala Lumpur. After receiving his Bachelor of Science from Michigan Technological University and Master of Science from University of Dallas, he joined Bangkok Bank, Head Office in January 1981.

Joko Chahjono, Senior Vice President Deputy General Manager, lahir pada tanggal 23 Maret 1962. Beliau bergabung dengan Bangkok Bank, Jakarta tahun 1989 sebagai Operation Officer. Pada tahun 2001, diangkat sebagai Vice President yang membawahi Departemen Operasional. Selanjutnya di tahun 2008, beliau diangkat sebagai Deputy General Manager yang membawahi Departmen Operasional dan Supports & Services. Beliau meraih gelar Sarjana Ekonomi dalam bidang Akuntansi dari Universitas Tarumanegara, Jakarta pada tahun 1986.

Deputy General Manager, born on March 23, 1962, He joined Bangkok Bank, Jakarta in 1989 as Operation Officer. In 2001, he was promoted to Vice President and supervises Operation Department. Subsequently, in 2008, he was promoted to Deputy General Manager to supervise both Operations and Supports & Services Department. He obtained his Bachelor of Economics in Accounting from University of Tarumanegara, Jakarta in 1986.

Nilubol Isarankura Na Ayudhya, Vice President Deputy General Manager, lahir pada tanggal 14 Agustus 1971. sebelum penunjukkannya pada bulan Juni 2012, beliau menjabat sebagai Vice President di International Banking Group Bangkok Bank Kantor Pusat, beliau diangkat sebagai Deputy General Manager yang membawahi Departemen Marketing dan Departemen Treasury. Beliau meraih gelar Bachelor of Financial and Banking dari Thammasat University di Bangkok, Thailand pada tahun 1989 dan Master of Business Administration dari University of Central Oklahoma, di Oklahoma, Amerika Serikat, pada tahun 1994.

Udomsab Srirojanakul, Assisten Vice President Deputy General Manager, lahir pada tanggal 11 Agustus 1968. sebelum penunjukkannya pada bulan Juni 2012, beliau menjabat sebagai Assisten Vice President di International Branch Business Department Bangkok Bank Kantor Pusat, beliau diangkat sebagai Deputy General Manager yang membawahi Departemen Managemen Risiko dan Credit Acceptance. Beliau meraih gelar Bachelor of Business Administration dari Assumption University di Bangkok, Thailand pada tahun 1992 dan Master of Business Administration dari University of Central Oklahoma di Amerika Serikat pada tahun 1995.

Deputy General Manager, born on August 14, 1971, before her appointment in June 2012, she was formerly Vice President International Bangking Group of Bangkok Bank, Head Office. he was promoted to Deputy General Manager to supervise both Marketing and Treasury Department. She obtained her Bachelor of Fiancial adnd Banking from Thammasat University in Bangkok, Thailand in 1989 and Master of Business Administration from University of Central Oklahoma in United Stated of America in 1994.

Deputy General Manager, born on August 11, 1968, before her appointment in June 2012, she was formerly Assisten Vice President International Branch Business Department of Bangkok Bank, Head Office. he was promoted to Deputy General Manager to supervise both Risk Management and Credit Acceptance Department. She obtained her Bachelor of Business from Assumption University in Bangkok, Thailand in 1992 and Master of Business Administration from University of Central Oklahoma in United Stated of America in 1995.


68

Lily Darmawati Eman, Vice President Head of Operations, lahir pada tanggal 17 Maret 1964, bergabung dengan Bangkok Bank sejak tahun 1986 dimulai dari bagian Credit Administration dan menjadi kepala Customer Services pada tahun 2004. Di angkat sebagai Asisstant Vice president di tahun 2007. Selanjutnya, di tahun 2008, beliau di promosikan menjadi Vice President yang mengepalai Operations Department. Beliau memperoleh gelar Sarjana Muda dalam bidang Ilmu Kesekretarisan dari Akademi Sekretaris LPK Tarakanita di tahun 1986 dan Sarjana Ekonomi dalam bidang Manajemen Keuangan dari Universitas Indonesia di tahun 1995.

Head of Operations, born on March 17, 1964, joined with Bangkok Bank since 1986. In the beginning, she started her career in Credit Administation unit, and became Head of Customer Services in 2004. She was promoted to Asisstant Vice President in 2007. Next, in 2008, she was promoted to Vice President of Operations Department. She obtained her diploma degree in Secretrarial Knowledge from LPK Tarakanita College in 1986 and Bachelor of Economics in Financial Management from University of Indonesia in 1995.

Michael Anthony Kosman, Vice President Head of Marketing, lahir pada tanggal 17 April 1969, bergabung dengan Bangkok Bank sejak tahun 2006 dimulai sebagai Marketing Officer dan menjadi Vice President /Head of Marketing pada tahun 2009. Beliau memperoleh gelar Bachelor of Science dalam bidang Accounting dari Rutger’s State University of New Jersey (AS) dan Master in Business Administration dalam bidang Keuangan dari ST. John’s University di New York (AS).

Head of Marketing, born on April 17, 1969, joined with Bangkok Bank since 2006. In the beginning, he started his career as a Marketing Officer, and became Head of Marketing in 2009. He obtained his Bachelor of Science in Accounting from Rutger’s State University of New Jersey (USA) and Master in Business Administration major in Finance from Saint John’s University in New York (USA).

Anwar Munaf, Assistant Vice President Direktur Kepatuhan, lahir pada tanggal 20 April 1959, bergabung dengan Bangkok Bank, Jakarta tahun 1989 dimulai dari posisi akunting supervisor hingga Kepala bagian ekspor impor. Pada tahun 2002 diangkat sebagai Assistant Vice President, membawahi departemen budget dan planning. Dan sejak 14 November 2005 ditunjuk sebagai Direktur Kepatuhan. Meraih gelar Sarjana Ekonomi dalam bidang Akuntansi dari Sekolah Tinggi Ekonomi Indonesia, Jakarta pada tahun 1986.

Louis Chandra, Assistant Vice President Head of Supports and Services, lahir pada tanggal 08 December 1977, bergabung dengan Bangkok Bank sejak tahun 2007 dan sekarang ini menjabat sebagai Assistant Vice President. Beliau memperoleh pengalaman di bidang akuntansi dan audit dari Deloitte Accounting Firm dan berbagai program pelatihan. Beliau memperoleh gelar Sarjana Ekonomi dari City University of New York (AS) di tahun 2003.

Compliance Director, born on April 20, 1959, he joined Bangkok Bank Jakarta in 1989 started from Accounting Supervisor to Head to Bills department. In 2002, he was promoted to Assistant Vice President and supervises Budget and Planning Department. And starting November 14, 2005 he was appointed to take position as Compliance Officer. He obtained his bachelor of Economics in Accounting from Sekolah Tinggi Ekonomi Indonesia, Jakarta in 1986.

Head of Supports and Services, born on December 08, 1977, joined with Bangkok Bank since 2007, and hold a position as Assitant Vice president. He obtained accounting and auditing experiences from Deloitte Accounting Firm and various training programs. He obtained Bachelor of Business Administration from City University of New York (U.S.A) in 2003.

Mario Prayitno, Assistant Vice President Head of Audit and Control, lahir pada tanggal 28 April 1979, bergabung dengan Bangkok Bank sejak tahun 2005 dan sekarang ini menjabat sebagai Assistant Vice President. Beliau memperoleh pengalaman di bidang akuntansi dan audit dari Arthur Andersen auditing Firm and Public Accountant Drs. J. Tanzil & Co., dan berbagai program pelatihan. Beliau memperoleh gelar Sarjana Ekonomi dari Universitas Atma Jaya di tahun 2001.

Head of Audit and Control, born on April 28, 1979, joined with Bangkok Bank since 2005, and hold a position as Assitant Vice president. He obtained accounting and auditing experiences from Arthur Andersen auditing Firm and Public Accountant Drs. J. Tanzil & Co and various training programs. He obtained Bachelor of Economy from University of Atma Jaya in 2001.


69

Heru Purwanto, Assistant Vice President Head of Treasury, lahir pada tanggal 15 Juni 1975, bergabung dengan Bangkok Bank sejak tahun 2010 dimulai sebagai Senior Dealer dan menjadi Head of Treasury pada November 2010. Beliau memperoleh gelar Sarjana Ekonomi dalam bidang Business Administration dari Sekolah Tinggi Ilmu Administrasi di Malang, Indonesia

Head of Treasury, born on June 15, 1975, joined with Bangkok Bank since 2010. In the beginning, he started his career as a Senior Dealer, and became Head of Treasury in November 2010. He obtained his Bachelor of Business Administration from Sekolah Tinggi Ilmu Administrasi in Malang, Indonesia.

Ridwan Martawidjaja, Assistant Vice President Head of Credit Acceptance Unit, lahir pada tanggal 3 Juli 1978, bergabung dengan Bangkok Bank Jakarta sejak tahun 2008. Beliau memulai karirnya dengan menjadi Credit Acceptance Unit Officer, dan kemudian menjadi Head of Credit Acceptance Unit pada bulan Februari 2010. Beliau memperoleh gelar Sarjana Managmen Keuangan dari Universitas Curtin di Perth, Australia pada tahun 2000.

Head of Credit Acceptance Unit, born on July 03, 1978, joined with Bangkok Bank Jakarta since 2008. In the beginning, he started his career as a Credit Acceptance Unit Officer, and become Head of Credit Acceptance Unit in February 2010. He obtained his Bachelor of Commerce majoring in Finance from Curtin University in Perth, Australia in 2000.

Benjaporn Wongwatana, Assistant Vice President

Head of Human Resources and General Administration, born on January 10, 1967, gained Indonesia citizenship in 1996, joined with Bangkok Bank Jakarta in May 2010, and hold a position as Assistant Vice President. She obtained her Bachelor of Art majoring in Accounting Theory from Chulalongkorn University in Bangkok, Thailand in 1988, Master of Science in Administration majoring in Organizational Policy from Boston University in Boston, USA in 1992 and Master of Business Administration majoring in Finance from Suffolk University in Boston, USA in 1993.

Head of Human Resources and General Administration, lahir pada tanggal 10 Januari 1967, memperoleh kewarganegaraan Indonesia pada tahun 1996, bergabung dengan Bangkok Bank Jakarta pada bulan Mei 2010, dan menjabat sebagai Assistant Vice President. Beliau memperoleh gelar Sarjana Akuntansi dari Universitas Chulalongkorn di Bangkok, Thailand pada tahun 1988, memperoleh gelar Master of Science in Administration dari Universitas Boston di Boston, USA pada tahun 1992 and Master Bisnis Administrasi Keuangan dari Universitas Suffolk di Boston, USA pada tahun 1993.

Frederick Wolfe, Chief Officer Head of Risk Management, lahir pada tanggal 31 Mei 1984, bergabung dengan Bangkok Bank Jakarta sejak Agustus 2010. Memulai karirnya sebagai Risk Management Officer, dan menjadi Head of Risk Management pada tahun 2012. Beliau memperoleh gelar Master of Bussiness dari Sekolah Tinggi Ilmu Ekonomi Prasetiya Mulya di Jakarta, Indonesia.

Head of Risk Management, born on Mei 31, 1984, joined with Bangkok Bank Jakarta since August 2010. In the beginning, he started his career as a Risk Management Unit Officer, and become Head of Risk Management in 2012. He obtained his Master of Bussiness Managemet from Sekolah Tinggi Ilmu Ekonomi Prasetiya Mulya in Jakarta, Indonesia.

Joko Susanto, Chief Officer Head of Support and Services, lahir pada tanggal 22 Maret 1985, bergabung dengan Bangkok Bank Jakarta sejak Desember 2011. Memulai karirnya sebagai Accounting Officer, dan menjadi Head of Support and Services pada tahun 2013. Beliau memperoleh gelar Sarjana Administrasi Publik dengan kejuruan Akuntansi Perpajakan dari Sekolah Tinggi Ilmu Administrasi Mandala Indonesia di Jakarta, Indonesia.

Head of Support and Services, born on March 22, 1985, joined with Bangkok Bank Jakarta since December 2011. In the beginning, he started his career as an Accounting Unit Officer, and become Head of Support and Services in 2013. He obtained his Bachelor of Public Administration majoring in Tax Accounting from Sekolah Tinggi Ilmu Administrasi Mandala Indonesia in Jakarta, Indonesia. .

Zainal Karnadi, Chief Officer Sub-branch Manager, lahir pada tanggal 24 Maret 1970, bergabung dengan Bangkok Bank sejak tahun 2012 dimulai sebagai Sub-branch Manager cabang Surabaya pada Februarit 2012. Beliau memperoleh gelar Sarjana Hukum Bisnis dari Universitas Airlangga di Surabaya, Indonesia

Sub-branch, born on March 24, 1970, joined with Bangkok Bank since 2012. In the beginning, he started his career as a Sub-branch Manager of Surabaya Sub-branch in February 2012. He obtained his Bachelor of Commercial Law from Airlangga University in Surabaya, Indonesia


70

Hartono, Chief Officer Sub-branch Manager, lahir pada tanggal 19 November 1979, bergabung dengan Bangkok Bank sejak tahun 2013 dimulai sebagai Sub-branch Manager cabang Medan pada Oktober 2013. Beliau memperoleh gelar Sarjana Ekonomi dalam bidang Managemen dari Sekolah Tinggi Ilmu Ekonomi Harapan di Medan, Indonesia

Sub-branch Manager, born on June 15, 1975, joined with Bangkok Bank since 2013. In the beginning, he started his career as a Sub-branch Manager of Medan Sub-branch in October 2013. He obtained his Bachelor of Business Management from Sekolah Tinggi Ilmu Ekonimi Harapan in Medan, Indonesia.

*****


71


72

PENGUNGKAPAN PERMODALAN SERTA PENGUNGKAPAN EKSPOSUR RISIKO DAN PENERAPAN MANAJEMEN RISIKO BANK Capital disclosure and the Disclosure of risk exposures and Risk Management Bank a. Struktur Permodalan Tabel Pengungkapan Kuantitatif Struktur Permodalan Bank Asing

a. Capital Structure Table of Quantitative Foreign Bank Capital Structure (Dalam jutaan rupiah | In Milion Rupiah )

KOMPONEN MODAL | COMPONENTS (2) (1) I KOMPONEN MODAL | COMPONENTS A Dana Usaha | Net inter office fund 1 Dana Usaha | Net inter office fund 2 Modal Disetor | Paid up capital B Cadangan | Reserves 1 Cadangan Umum | General reserves 2 Cadangan Tujuan | Specific reserves C Laba (rugi) tahun-tahun lalu yang dapat diperhitungkan (100%) Previous years profit (loss) which can be calculated into capital (100%) D Laba (rugi) tahun berjalan yang dapat diperhitungkan (50%) Current year profit which can be calculated into capital (loss) (50%) E Dana Setoran Modal | Fund for paid up capital F Pendapatan Komprehensif Lainnya: kerugian berasal dari penurunan penyertaan dalam kelompok tersedia untuk dijual (100%) Other comprehensive income : losses from equity investment for sale (100%) G Pendapatan Komprehensif Lainnya: keuntungan berasal dari peningkatan penyertaan Other comprehensive income : Gain from equity investment for sale (45%) H Revaluasi Aset Tetap (45%) Receives of Fixed assets revaluation (45%) I Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif Differences between regulatory provision and impairment of earning assets J Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung Required regulatory provision on non productive assets K Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book Differences on adjustment of fair value on financial instrument in the trading book Cadangan umum aset produktif (maks, 1,25% dari ATMR) General provision of earning assets (maximum 1,25% of RWA) M Faktor Pengurang Modal | Capital deduction factor Eksposur Sekuritisasi | Exposure on securitisation MODAL BANK ASING ( Jumlah 1 s.d 12 - 13 ) FOREIGN BANK CAPITAL ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT RISK WEIGHTED ASSET (RWA) FOR CREDIT RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL RISK WEIGHTED ASSET (RWA) FOR OPERATIONAL RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR |RISK WEIGHTED ASSET A Metode Standar | Standardized Method B Metode Internal | Internal Method RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO CAPITAL ADEQUACY RATIO FOR CREDIT RISK,OPERATIONAL RISK AND MARKET RISK [II : (III + IV + V)] L

II III IV V

VI

31 Desember 2014 31 Desember 2013 31 December 2014 31 December 2013 (3) (3)

10,592,252 3,690,957

8,706,707 1,942,569

718,394

647,243

185,529

95,813

262,732

208,451

15,449,864

11,600,783

21,140,883

16,676,101

633,995

442,503

565,234

174,027

69.16%

67.09%


35

b. Geografis dari objek yang didanai oleh Bangkok Bank Tabel Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual

No



b. Geography of object being financed by Bangkok Bank Table of Net Amount based on Geography - Bank Only

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Berdasarkan Wilayah | Net Amount Based on Geography Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Total Zone 1 Zone 2 Zone 3 Zone 4 (3) (4) (5) (6) (7) 2,940,567 0 0 0 2,940,567 0

0

0

0

0

0

0

0

0

0

2,114,863

0

0

33,812

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

16,168,424

429,296

19,347

186,238

0

0

0

186,238

302,978

0

0

1,002,390

1,305,368

0

0

0

0

0

21,713,070

429,296

19,347 Remarks Zone I Zone II Zone III Zone IV

0 16,617,067

1,036,202 23,197,915 : : West of Indonesia : Central of Indonesia : East of Indonesia : Overseas


36

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Berdasarkan Wilayah | Net Amount Based on Geography Wilayah 1 Wilayah 2 Wilayah 3 Wilayah 4 Total Zone 1 Zone 2 Zone 3 Zone 4 (3) (4) (5) (6) 1.450.326 0 0 0 1.450.326 0

0

0

0

0

0

0

0

0

0

1.097.481

0

0

95.499

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.035.046

317.843

29.482

550.303

0

0

0

550.303

559.644

0

0

0

559.644

0

0

0

0

0

14.692.800

317.843

29.482 Remarks Zone I Zone II Zone III Zone IV

0 11.382.371

95.499 15.135.624 : : West of Indonesia : Central of Indonesia : East of Indonesia : Overseas


37

c. Sisa jangka waktu aset

c. Remaining maturity of the assets

Tabel Pengungkapan Tagihan Bersih Berdasarkan Sisa jangka waktu Kontrak - Bank secara Individual

No



Table of Net Amount based on Contractual Remaining Maturity- Bank Only

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount based on Remaining Maturity >1 thn s.d. >3 thn s.d. Non< 1 tahun > 5 thn 3 thn 5 thn Kontraktual Total >1 yr s.d. 3 >3 yrs s.d. Non< 1 year > 5 yrs yrs 5 yrs Contractual (3) (4) (5) (6) (7) (8) 2,478,211 0 0 0 462,356 2,940,567 0

0

0

0

0

0

0

0

0

0

0

0

2,066,405

0

0

0

82,270

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5,334,532

2,685,031

469,206

8,128,298

186,238

0

0

0

0

186,238

0

0

0

0

1,305,368

1,305,368

0

0

0

0

0

0

10,065,386

2,685,031

469,206

8,128,298

0 16,617,067

1,849,994 23,197,915


38

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Berdasarkan sisa jangka waktu kontrak | Net Amount based on Remaining Maturity >1 thn s.d. >3 thn s.d. Non< 1 tahun > 5 thn 3 thn 5 thn Kontraktual Total >1 yr s.d. 3 >3 yrs s.d. Non< 1 year > 5 yrs yrs 5 yrs Contractual (3) (4) (5) (6) (7) (8) 1.168.721 0 0 0 281.605 1.450.326 0

0

0

0

0

0

0

0

0

0

0

0

1.096.570

0

0

0

96.410

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.259.208

272.928

1.659.011

4.191.224

550.303

0

0

0

0

550.303

0

0

0

0

559.644

559.644

0

0

0

0

0

0

8.074.802

272.928

1.659.011

4.191.224

0 11.382.371

937.659 15.135.624


39

d. Sektor Ekonomi

d. Economic Sectors asssets

Tabel Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual

Table of Net Amount based on Economic Sectors

- Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

No Sektor Ekonomi Economic Sector


12

13 14 15

16 17

18 19 20




(3)

(4)

(5)

(6)

Kredit Beragun Rumah Tinggal Claims Secured by Residential Property

(7)

Tagihan Kepada Usaha Mikro, Kredit Usaha Kecil Beragun Kredit dan Properti Pegawai / Portofolio Komersial Pensiunan Ritel Claims Employee Claims on Secured by Loan / Micro and Commercial Pension Small Real Estate Enterprise, and Retail Portfolio (8)

(9)


(10)

(11)

(12)



(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

31,732

0

0

0

0

0

0

0

0

0

0

0

23,416

54,762

0

0

0

0

0

0

0

0

0

0 12,607,231

131,476

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

94,424

0

0

0

0

0

0

0

0

0

0

0

661,325

0

0

0

0

0

0

0

0

0

0

0

424,153

0

0

0

0

0

0

0

0

0

0

0

38,815

0

0

0

2,940,567

0

0 2,148,675

0

0

0

0

600,000

0

0

0

0

0

0

0

0

0

0

0

966,062

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1,169,909

0

1,305,368

0

2,940,567

0

0 2,148,675

0

0

0

0 16,617,067

186,238

1,305,368

0


40

No



12

13 14 15

16 17

18 19 20




(3)

(4)

(5)

(6)

31 Desember 2013 | 31 December 2013 Tagihan Kepada Usaha Mikro, Kredit Kredit Usaha Kecil Beragun Beragun Kredit dan Rumah Properti Pegawai / Portofolio Tinggal Komersial Pensiunan Ritel Claims Claims Employee Claims on Secured by Secured by Loan / Micro and Residential Commercial Pension Small Property Real Estate Enterprise, and Retail Portfolio (7)

(8)

(9)


(10)

(11)

(12)



(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

29.482

0

0

0

0

0

0

0

0

0

0

0

4.333

53.812

0

0

0

0

0

0

0

0

0

0

8.995.008

421.056

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

850.242

75.435

0

0

0

0

0

0

0

0

0

0

317.843

0

0

0

0

0

0

0

0

0

0

0

85.207

0

0

0

1.450.326

0

0 1.192.980

0

0

0

0

668.000

0

0

0

0

0

0

0

0

0

0

0

426.857

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.399

0

0

0

0

0

0

0

0

0

0

0

0

0

559.644

0

1.450.326

0

0 1.192.980

0

0

0

0 11.382.371

550.303

559.644

0


41

e. Geografis Pencadangan dari objek yang didanai oleh Bangkok Bank

e. Geography by provision of object being financed by Bangkok Bank

Tabel Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual

Table of Gross Financial Assets and Provision based on Geography - Bank Only


Area | Geography


(2)

(1) 1 Tagihan

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(3)

(4)

(5)

(6)

(7)

5,055,430

0

0

33,812

5,089,242

0

0

0

0

0

16,168,424

429,296

19,347

0

16,617,067

186,238

0

0

0

186,238

75,357

0

0

0

75,357

474,572

8,657

390

0

483,620

0

0

0

0

0


Remarks :

Wilayah I



Wilayah II



Wilayah III



Wilayah IV

: Luar Negeri

Zone IV : Overseas


42


Area | Geography


(2)

(1) 1 Tagihan

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

Wilayah 4 Zone 4

Total

(3)

(4)

(5)

(6)

(7)

9.511.280

135.154

29.482

95.499

9.771.415

0

0

0

0

0

4.621.876

182.689

0

0

4.804.565

0

0

0

0

0

76.431

0

0

0

76.431

266.258

7.381

685

0

274.324

0

0

0

0

0


Remarks :

Wilayah I



Wilayah II



Wilayah III



Wilayah IV

: Luar Negeri

Zone IV : Overseas


43

f. Pencadangan berdasarkan Sektor Ekonomi

f. Provision by Economic Sectors assets

Tabel Pengungkapan Tagihan dan Pencadangan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual

Table of Gross Financial Assets based on Economic Sectors - Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Cadangan Kerugian Cadangan penurunan nilai Kerugian Tagihan yang (CKPN) penurunan nilai dihapus Individual (CKPN) - Kolektif buku Individual Portfolio Write off Spececific Impairement Provision Provision

Tagihan yang mengalami Penurunan Nilai Impairment Asset No Sektor Ekonomi Economic Sector

(1)





(4)

(5)

(6)

(7)

(8)

0

0

0

0

0

0

0

31,732

0

0

640

0

0

0

78,178

75,357

0

0

0

12,552,469

186,238

0

428,725

0

0

0

0

0

0

0

0

94,424

0

0

0

0

0

661,325

0

0

13,337

0

0

424,153

0

0

8,554

0

0

38,815

0

0

783

0

5,089,242

600,000

0

0

12,100

0

0

966,062

0

0

19,482

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,475,277

0

0

0

0

0

7,564,519

15,368,980

264,416

75,357

483,620

0



44

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Cadangan Kerugian Cadangan penurunan nilai Kerugian Tagihan yang (CKPN) penurunan nilai dihapus Individual (CKPN) - Kolektif buku Individual Portfolio Write off Spececific Impairement Provision Provision

Tagihan yang mengalami Penurunan Nilai Impairment Asset No

(1)






(4)

(5)

(6)

(7)

(8)

0

0

0

0

0

0

29.482

0

0

0

685

0

58.145

0

0

49.763

101

0

5.246.931

4.169.133

0

26.668

217.133

199.103

0

0

0

0

0

0

0

0

0

0

0

0

925.677

0

0

0

21.495

0

135.154

182.689

0

0

7.381

0

59.380

25.827

0

0

1.979

0

3.311.306

0

0

0

15.512

0

0

426.857

0

0

9.912

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

5.340

59

0

0

126

0

0

0

0

0

0

0

9.771.415

4.804.565

0

76.431

274.324

199.103



45

g. Keseluruhan penurunan nilai cadangan sepanjang g. Overall impairment provision movement tahun during the year Tabel Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai Ekonomi - Bank secara Individual

No


Table of Detail of Impairment Position Movement

- Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 CKPN Individual CKPN Kolektif Individual Impairment Portfolio Impairment Provision Provision (3) (4) 76,431 274,324


No


209,295

1,074

0

0

0

0

0

75,357

483,619

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 CKPN Individual CKPN Kolektif Individual Impairment Portfolio Impairment Provision Provision (3) (4) 182.222 132.297


0

93.312

142.027

0

0

199.103

0

0

0

76.431

274.324


46

h. Skala Peringkat Tabel Pengungkapan Tagihan Bersih Berdasarkan Kategoi Portofolio dan Skala Peringkat - Bank secara Individual Tabel di halaman selanjutnya

h. Rating Table Net Amount based on Portfolio Category and Rating - Bank Only



47


48


49

idAAA

PT Pemeringkat Efek Indonesia

TOTAL

Exposures at Sharia Unit (if any)

12 Eksposur di Unit Usaha Syariah (apabila ada)

Other Assets

11 Aset Lainnya

Past Due Claims

10 Tagihan Yang Telah Jatuh Tempo

Claims on Corporate

9 Tagihan Kepada Korporasi

Claims on Micro and Small Enterprise, and Retail Portfolio

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Employee Loan/Pension

7 Kredit Pegawai/Pensiunan

Claims Secured by Commercial Real Estate

6 Kredit Beragun Properti Komersial

Claims Secured by Residential Property

5 Kredit Beragun Rumah Tinggal

Claims on Banks

4 Tagihan Kepada Bank

Claims on Multilateral Development Banks and International Institutions

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

0

0

0

0

0

0

0

0

0

0

0

0

Claims on Public Sector Entity

Claims on Sovereign

2 Tagihan Kepada Entitas Sektor Publik

(4)

(idr)AAA

PT ICRA Indonesia

(3)

AAA (idn)

PT Fitch Rating Indonesia

0

(2)

Aaa

Moody's

AAA

Fitch Rating

1 Tagihan Kepada Pemerintah

(1)

No


AAA

Standard and Poor's

Rating Agency

Lembaga Pemeringkat

0

0

0

0

0

0

0

0

0

0

0

0

0

A1+ to A3

Baa1+ to Baa3

Baa1+ s.d Baa3

BBB+ to BBB-

BBB+ s.d BBB-

BBB+ to BBB-

BBB+ s.d BBB-

Ba1+ to Ba3

Ba1+ s.d Ba3

BB+ to BB-

BB+ s.d BB-

BB+ to BB-

BB+ s.d BB-

B1 to B3

B1 s.d B3

B+ to B-

B+ s.d B-

B+ to B-

B+ s.d B-

Below B3

Kurang dari B3

Below B-

Kurang dari B-

Below B-

Kurang dari B-

Tagihan Bersih | Net Amount

P-1

F1+ s.d F1

A-1

F3(idn)

P-3

F3

A-3

Kurang dari F3(idn) Below F3(idn)

Below P-3

Kurang dari P-3

Below F-3

Kurang dari F-3

Below A-3

Kurang dari A-3

(5) 0

538.000

0

0

0

538.000

0

0

0

0

0

0

0

(6)

0

0

0

0

0

0

0

0

66.935

0

0

0

66.935

idA+ to idA-

idA+ s.d idA-

idAA+ s.d idAAidAA+ to idAA-

(Idr)A+ to (Idr)A-

(Idr)AA+ to (Idr)AA-

(7)

idBBB+ to idBBB-

idBBB+ s.d idBBB-

(Idr)BBB+ to (Idr)BBB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(8)

idBB+ to idBB-

idBB+ s.d idBB-

(Idr)BB+ to (Idr)BB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(9)

idB+ to idB-

idB+ s.d idB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)B+ to (Idr)B-

Below (Idr)B-

(10)

Below idB-

Kurang dari idB-

0

0

0

0

0

0

0

0

0

0

0

0

0

(11)

idA1

(Idr)A1+ to (Idr)A1

0

0

0

0

0

0

0

0

0

0

0

0

0

(12)

idA2

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)A2+ to (Idr)A2

(13)

idA3 to idA4

idA3 s.d idA4

0

0

0

0

0

0

0

0

0

0

0

0

0

(Idr)A3+ to (Idr)A3

Below (Idr)A3

(14)

Below idA4

Kurang dari idA4

0

0

0

0

0

0

0

0

0

0

0

0

0

14.530.689

0

559.644

550.303

10.777.436

0

0

0

0

1.192.980

0

0

1.450.326

(15)

Unrated

Tanpa Peringkat

15.135.624

0

559.644

550.303

11.382.371

0

0

0

0

1.192.980

0

0

1.450.326

(15)

TOTAL

(Dalam jutaan rupiah | In Milion Rupiah )

(Idr)AA+ s.d (Idr)AA- (Idr)A+ s.d (Idr)A- (Idr)BBB+ s.d (Idr)BBB- (Idr)BB+ s.d (Idr)BB- (Idr)B+ s.d (Idr)B- Kurang dari (Idr)B- (Idr)A1+ s.d (Idr)A1 (Idr)A2+ s.d (Idr)A2 (Idr)A3+ s.d (Idr)A3 Kurang dari (Idr)A3

F2(idn)

P-2

F2

A-2

Peringkat Jangka Pendek | Short term Rating

AA+(idn) s.d AA-(idn) A+(idn) s.d A-(idn) BBB+(idn) s.d BBB-(idn) BB+(idn) s.d BB-(idn) B+(idn) s.d B-(idn) Kurang dari B-(idn) F1+(idn) s.d F1(idn) AA+(idn) to AA-(idn) A+(idn) to A-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) B+(idn) to B-(idn) Below B-(idn) F1+(idn) to F1(idn)

Aa1+ to Aa3

A+ to AA1+ s.d A3

A+ s.d A-

AA+ s.d AAAA+ to AA-

A+ to A-

AA+ to AA-

Aa1+ s.d Aa3

A+ s.d A-

AA+ s.d AA-

Peringkat Jagka Panjang | Long Term Rating

31 Desember 2013 | 31 December 2013

i. Transaksi Derivatif

i. Derivative Transaction

Tabel Pengungkapan Risiko Kredit Pihak Lawan : Transaksi Derivatif

Table of Counterparty Credit Risk Derivative Transactions (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

Nilai Notional | Notional Amount No


< 1 Tahun

>1 Tahun - <5 Tahun

>5 Tahun

< 1 Year

>1 Year - <5 Year

>5 Year






866,950

0

0

2,795

1,949

0

0

0

1,070,796

0

0

20,801

27,955

28,140

17,513

12,781

0

0

0

0

0

0

0

0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Nilai Notional | Notional Amount No


< 1 Tahun

>1 Tahun - <5 Tahun

>5 Tahun

< 1 Year

>1 Year - <5 Year

>5 Year






0

0

0

0

0

0

0

0

653.809

0

0

49.854

47.886

24.646

17.189

14.007

0

0

0

0

0

0

0

0

j. Mitigasi Risiko Kredit

j. Credit Risk Mitigation

Tabel Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual

Table of Net Amount based on Risk Weight after

Tabel di halaman selanjutnya


Credit Risk Mitigation - Bank Only


50

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk Mitigation ATMR Beban Lainnya RWA Capital 0% 20% 35% 40% 45% 50% 75% 100% 150% Others Charge (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) 2,940,567 0 0 0 0 0 0 0 0 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0 2,148,675

0

0

0

0

0

0

0

0

429,735

34,379

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

470,000

0

0

0

110,000

0

15,891,988

0

0 16,040,988

1,283,279

0

0

0

0

0

0

0

0

186,238

0

279,357

22,349

0

0

0

0

0

0

0

1,294,925

0

0

1,294,925

103,594

0

0

0

0

0

0

0

0

0

0

0

0

2,940,567 2,618,675

0

0

0

110,000

0

17,186,913

186,238

0 18,045,005

1,443,601




Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,772,507

0

0

2,772,507

221,801

0

0

0

0

0

0

0

0

207,059

0

310,589

24,847

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,772,507

207,059

0

3,083,096

246,648

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

485

0

0

0

8,688

0

0

0

0

4,441

355

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

8,340

0

0

8,340

667

0

0

0

0

0

0

0

0

0

0

0

0

0

485

0

0

0

8,688

0

8,340

0

0

12,781

1,022

Claims on Multilateral Development Banks and International Institutions 4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate 7 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


51

No



(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit | Net Amount After Credit Risk ATMR Beban Lainnya RWA Capital 0% 20% 35% 40% 45% 50% 75% 100% 150% Others Charge (3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0 1.192.980

0

0

0

0

0

0

0

0

238.596

19.088

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

588.000

0

0

0

66.935

0

10.604.990

0

0 10.756.058

860.485

0

0

0

0

0

0

0

0

546.219

0

819.329

65.546

0

0

0

0

0

0

0

551.440

0

0

551.440

44.115

0

0

0

0

0

0

0

0

0

0

0

0

0 1.780.980

0

0

0

66.935

0

11.156.430

546.219

0 12.365.422

989.234

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.108.774

0

0

4.108.774

328.702

0

0

0

0

0

0

0

0

125.265

0

187.898

15.032

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.108.774

125.265

0

4.296.672

343.734

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1.289

0

0

0

4.302

0

0

0

0

2.409

193

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.598

0

0

11.598

928

0

0

0

0

0

0

0

0

0

0

0

0

0

1.289

0

0

0

4.302

0

11.598

0

0

14.007

1.121




Eksposur Counterparty Credit Risk | Counterparty Credit Risk 1 Tagihan Kepada Pemerintah Claims on Sovereign 2 Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Entity 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Banks and International Institutions

4 Tagihan Kepada Bank Claims on Banks 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise, and Retail Portfolio 6 Tagihan Kepada Korporasi Claims on Corporate 7 Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur Counterparty Credit Risk | Total Counterparty Credit Risk


52

Tabel Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual

No


(1) A


Table Net Amount and Credit Risk Mitigation Technique –Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Bagian Yang Tidak Bagian Yang Dijamin Dengan | Exposure Which is Secured by Dijamin Agunan Garansi Asuransi Kredit Lainnya Unsecured Exposure Cash Collateral Guarantee Credit Insurance Others (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]

Tagihan Bersih Net Amount (3) 2,940,567

0

0

0

0

2,940,567

0

0

0

0

0

0

0

0

0

0

0

0

2,148,675

0

0

0

0

2,148,675

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

16,617,067

145,079

0

0

0

16,471,988

186,238

0

0

0

0

186,238

1,305,368

0

0

0

0

1,305,368

0

0

0

0

0

0

23,197,915

145,079

0

0

0

23,052,836

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

6,086,553

89,701

0

0

0

5,996,852

1,035,294

4,085

0

0

0

1,031,209

0

0

0

0

0

0

B


0

0

0

0

0

0

7,121,847

93,786

0

0

0

7,028,061

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

15,294

0

0

0

0

15,294

0

0

0

0

0

0

5,790

0

0

0

0

5,790

0

0

0

0

0

0

21,084 30,340,846

0 238,865

0 0

0 0

0 0

21,084 30,101,981

C


53

No


(1) A


(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Bagian Yang Tidak Bagian Yang Dijamin Dengan | Exposure Which is Secured by Dijamin Agunan Garansi Asuransi Kredit Lainnya Unsecured Exposure Cash Collateral Guarantee Credit Insurance Others (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]

Tagihan Bersih Net Amount (3) 1.450.326

0

0

0

0

1.450.326

0

0

0

0

0

0

0

0

0

0

0

0

1.192.980

0

0

0

0

1.192.980

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

11.382.371

122.446

0

0

0

11.259.925

550.303

4.084

0

0

0

546.219

559.644

0

0

0

0

559.644

0

0

0

0

0

0

15.135.624

126.530

0

0

0

15.009.094

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

B


0

0

0

0

0

0

8.458.553

263.262

0

0

0

8.195.291

619.184

4.084

0

0

0

615.100

0

0

0

0

0

0

0

0

0

0

0

0

9.077.737

267.346

0

0

0

8.810.391

0

0

0

0

0

0

0

0

0

0

0

0

C

0

0

0

0

0

0

15.047

0

0

0

0

15.047

0

0

0

0

0

0

11.598

0

0

0

0

11.598

0

0

0

0

0

0

26.645 24.240.006

0 393.876

0 0

0 0

0 0

26.645 23.846.130


54

k. Perhitungan ATMR Risiko Kredit pendekatan Standar – Bank secara Individual Tabel Pengungkapan Eksposur Aset di Neraca

No



No



k. Credit RWA Calculation under Standardized Approach – Bank Only Table of Asset Exposure on Balance Sheet (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 2,940,567 0 0 0

0

0

0

0

0

2,148,675

429,735

429,735

0

0

0

0

0

0

0

0

0

0

0

0

16,617,067

16,186,067

16,040,988

186,239

279,358

279,358

1,305,368

0

1,294,925

23,197,916

16,895,160

18,045,006

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 1.450.326 0 0 0

0

0

0

0

0

1.192.980

238.596

238.596

0

0

0

0

0

0

0

0

0

0

0

0

11.382.371

10.878.504

10.756.058

550.303

825.455

819.329

559.644

0

551.440

15.135.624

11.942.555

12.365.423


55

Tabel Pengungkapan Eksposur Kewajiban Komitmen / Kontinjensi pada Transaksi Rekening Administratif

No



No



Table of Exposure on Commitment / Contigent liabilities in Administrative Accounts (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Tagihan Bersih ATMR Sebelum MRK ATMR Setelah MRK Net Amount RWA Before CRM RWA After CRM (3) (4) (5) 0 0 0 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2,862,209

2,862,209

2,772,507

207,059

310,588

310,588

3,069,268

3,172,797

3,083,095


0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

4.372.037

4.372.037

4.108.775

129.349

194.023

187.897

4.501.386

4.566.060

4.296.672


56

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat kegagalan Pihak Lawan

No



No



Table of Counter Party Risk


0

0

0

0

0

19,799

9,172

4,441

0

0

0

8,340

8,340

8,340

28,139

17,512

12,781


0

0

0

0

0

15.048

5.591

2.409

0

0

0

11.598

11.598

11.598

26.646

17.189

14.007


57

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat kegagalan Setelmen

No



No



Tabel Pengungkapan Eksposur Sekuritisasi

Table of Settlement Risk


0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0


0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Table of Disclosure of Securitization Exposures (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014

No




ATMR RWA

(3)

(4) 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0


58




Tabel Pengungkapan di Unit Usaha Syariah





Tabel Pengungkapan Total Pengukuran Risiko Kredit Jenis Transaksi Type of Transaction Total ATMR Risiko Kredit Total Credit Risk Weighted Asset Total Faktor Pengurang Modal Total Capital Deduction Factor

Jenis Transaksi Type of Transaction Total ATMR Risiko Kredit Total Credit Risk Weighted Asset Total Faktor Pengurang Modal Total Capital Deduction Factor


ATMR RWA

(3)

(4) 0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

Table of Exposure in Sharia Unit (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Faktor Pengurang Modal ATMR Capital Deduction Factor RWA (3) (4) 0 0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 | 31 December 2013 Faktor Pengurang Modal ATMR Capital Deduction Factor RWA (3) (4) 0 0

Table of Total Credit Risk (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 31 December 2014 21,140,883 0

(Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2013 31 December 2013 16.676.101 0


59

l. Perhitungan ATMR Risiko Pasar pendekatan Standar – Bank secara Individual Tabel Pengungkapan Risiko Pasar dengan

Menggunakan Metode Standar

Jenis Risiko Type of Risk

No (1)

(2) 1 Risiko Suku Bunga Interest Rate Risk a. Risiko Spesifik a. Specific Risk b. Risiko Umum b. General Risk 2 Risiko Nilai Tukar Foreign Exchange Risk 3 Risiko Ekuitas *) Equity Risk *) 4 Risiko Komoditas *) Commodity Risk *) 5 Risiko Option Option Risk

Total

No (1)

Total

Jenis Risiko Type of Risk (2) 1 Risiko Suku Bunga Interest Rate Risk a. Risiko Spesifik a. Specific Risk b. Risiko Umum b. General Risk 2 Risiko Nilai Tukar Foreign Exchange Risk 3 Risiko Ekuitas *) Equity Risk *) 4 Risiko Komoditas *) Commodity Risk *) 5 Risiko Option Option Risk

l. Market RWA Calculation under Standardized Approach – Bank Only Table of Market Risk under the Standardized Approach


38

474

44,732

559,148

449

5,612

0

0

0

0

0

0

45,219

565,234


0

0

1.901

23.763

12.021

150.264

0

0

0

0

0

0

13.922

174.027


60

m. Perhitungan ATMR Risiko Operasional – Bank secara Individual Tabel Pengungkapan Kuantitatif Risiko Operasional

No



No



m. Operational RWA Calculation– Bank Only

Table of Operational Risk Under Basic Indicator Approach

(Dalam jutaan rupiah | In Milion Rupia h) 31 Desember 2014 | 31 December 2014 Pendapatan Bruto Beban Modal ATMR (Rata-rata 3 tahun terakhir)*) Gross Income Capital Charge RWA (Average of last 3 years)*) (3) (4) (5) 338,131 50,720 633,995

(Dalam jutaan rupiah | In Milion Rupia h) 31 Desember 2013 | 31 December 2013 Pendapatan Bruto Beban Modal ATMR (Rata-rata 3 tahun terakhir)*) Gross Income Capital Charge RWA (Average of last 3 years)*) (3) (4) (5) 236.000 35.400 442.503


61

n. Profil Maturitas

n. Maturity Profile

Tabel Pengungkapan Profil Maturitas Rupiah Bank secara Individual Rekening Account


Table of Maturity Profile Rupiah – Bank Only (Dalam jutaan rupiah | In Milion Rupiah ) 31 Desember 2014 | 31 December 2014 Jatuh Tempo | Maturity > 1 bln s.d 3 > 3 bln s.d 6 > 6 bln s.d bln bln 12 bln > 12 bulan >1 month >3 months >6 months >12 months to 3 months to 6 months to 12 months



7,834 756,354

7,834 318,892

-

437,462

-

-

1,410,385

720,385

-

690,000

-

-

1,472,723 3,957,018 7,604,314

170,030 1,217,141

338,178 338,178

542,872 1,670,334

936,358 936,358

1,472,723 1,969,580 3,442,303

2,722,090

1,326,964

417,086

30,853

944,803

2,384

-

-

-

-

-

-

80,145

80,145

-

-

-

-

-

-

-

-

-

-

4,245 2,806,480

4,245 1,411,354

417,086

30,853

944,803

2,384

B.


4,797,834

(194,213)

(78,908)

1,639,481

(8,445)

3,439,919

-

-

-

-

-

-

1,784,991 32,277 1,817,268

33,269 7,596 40,865

118,292 2,356 120,648

462,127 11,898 474,025

113,148 10,427 123,575

1,058,155 1,058,155

(1,817,268)

(40,865)

(120,648)

(474,025)

(123,575)

(1,058,155)

2,980,566

(235,078)

(199,556)

1,165,456

(132,020)

2,381,764

-

(235,078)

(434,634)

730,822

598,802

2,980,566

B.



62

Rekening Account


31 Desember 2013 | 31 December 2013 Jatuh Tempo | Maturity > 1 bln s.d 3 > 3 bln s.d 6 > 6 bln s.d bln bln 12 bln > 12 bulan >1 month >3 months >6 months >12 months to 3 months to 6 months to 12 months



5.685 102.705

5.685 102.705

-

-

-

-

910.950

910.950

-

-

-

-

1.349.599 2.328.195 203.840 4.900.974

17.079 302.324 203.840 1.542.583

426.416 162.435 588.851

713.727 132.051 845.778

358.336 358.336

192.377 1.373.049 1.565.426

735.446

519.074

166.650

46.367

3.355

-

335.134

285.000

50.000

-

-

134

-

-

-

-

-

-

1.146 1.071.726

1.146 805.220

216.650

46.367

3.355

134

3.829.248

737.363

372.201

799.411

354.981

1.565.292

-

-

-

-

-

-

1.940.946 48.416 1.989.362

131.419 20.802 152.221

486.440 15.794 502.234

755.510 7.159 762.669

59.454 3.524 62.978

508.123 1.137 509.260

(1.989.362)

(152.221)

(502.234)

(762.669)

(62.978)

(509.260)

1.839.886

585.142

(130.033)

36.742

292.003

1.056.032

-

585.142

455.109

491.851

783.854

1.839.886

B.


-

B.



63

Tabel Pengungkapan Profil Maturitas Valas - Bank secara Individual Rekening Account

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2 Penempatan pada Bank Indonesia Placement to BI 3 Penempatan pada bank lain Placement to Other Bank 4 Surat Berharga | Marketable Securities 5 Kredit yang diberikan | Loan 6 Tagihan lainnya | Other Receivables 7 Lain-lain | Others Jumlah Aset | Total Asset B. Kewajiban | Liabilities 1 Dana pihak ketiga Deposit from Customer 2 Kewajiban kepada Bank Indonesia Liabilities to BI 3 Kewajiban kepada Bank lain Liabilities to Bank 4 Surat berharga yang diterbitkan Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 6 Kewajiban lainnya | Other Liablities 7 Lain-lain | Others Jumlah Kewajiban | Total Liabilities Selisih Aset dengan kewajiban dalam neraca Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. Tagihan rekening administratif | Administrative Receivable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Tagihan rekening administratif Total Administrative Receivable B. Kewajiban rekening administratif | Administrative Payable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Kewajiban rekening administratif Total Administrative Payable

Table of Maturity Profile Foreign Currency – Bank Only



2,601 1,154,282

2,601 1,154,282

-

690,216

690,216

-

15,023 11,643,188 1,062,509 991,060 15,558,879

15,023 300,448 838,105 991,060 3,991,735

913,468 171,879 1,085,347

1,569,588 52,525 1,622,113

2,069,905 2,069,905

6,789,779 -

1,664,619

1,452,650

205,207

6,762

-

-

-

-

-

6,789,779

-

-

-

-

-

-

-

-

11,765,750 30,331 5,326 13,466,026

1,052,725 28,944 5,326 2,539,645

1,387

-

5,015,925 -

5,697,100 -

206,594

6,762

5,015,925

5,697,100

2,092,853

1,452,090

878,753

1,615,351

(2,946,020)

1,092,679

1,592,153 1,592,153

1,055,152 1,055,152

279,604 279,604

105,396

152,001

-

105,396

152,001

-

1,827,459 69,083 7,278,381

1,658,835 272 1,659,107

1,457,331 359 1,457,690

713,042 29,464 742,506

1,370,896 38,988 1,409,884

2,009,194 2,009,194

(1,178,086)

(637,110)

(1,257,883)

(2,009,194)

978,241

(4,203,903)

(916,515)

1,527,043

(2,676,860)

(3,593,375)


(5,686,228)

(603,955)


(3,593,375)

848,135

(299,333)

848,135

548,802


-

-


64

Rekening Account

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2 Penempatan pada Bank Indonesia Placement to BI 3 Penempatan pada bank lain Placement to Other Bank 4 Surat Berharga | Marketable Securities 5 Kredit yang diberikan | Loan 6 Tagihan lainnya | Other Receivables 7 Lain-lain | Others Jumlah Aset | Total Asset B. Kewajiban | Liabilities 1 Dana pihak ketiga Deposit from Customer 2 Kewajiban kepada Bank Indonesia Liabilities to BI 3 Kewajiban kepada Bank lain Liabilities to Bank 4 Surat berharga yang diterbitkan Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 6 Kewajiban lainnya | Other Liablities 7 Lain-lain | Others Jumlah Kewajiban | Total Liabilities Selisih Aset dengan kewajiban dalam neraca Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. Tagihan rekening administratif | Administrative Receivable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Tagihan rekening administratif Total Administrative Receivable



2.518 178.899

2.518 178.899

-

282.030

3.982

182.550

13.618 9.604.479 347.600 10.429.144

13.618 5.966.367 75.588 6.240.972

417.553 212.549 812.652

165.390 53.682 219.072

672.551 5.781 773.830

2.382.618 -

1.875.324

1.732.533

132.349

10.442

-

-

-

-

-

95.498

2.382.618

-

-

-

-

-

-

-

-

8.885.256 1.044.554 1.156 11.806.290

1.887.506 387.456 1.156 4.008.651

4.563.750 326.752

2.434.000 322.882

6.207

1.257

5.022.851

2.767.324

6.207

1.257

(1.377.146)

2.232.321

(4.210.199)

(2.548.252)

767.623

2.381.361

689.431 689.431

416.908 416.908

78.375 78.375

194.148

-

-

194.148

-

-

1.827.459 116.941 7.558.141

1.822.993 4.466 1.827.459

1.061.991 17.269 1.079.260

1.439.151 89.352 1.528.503

2.277.591 5.197 2.282.788

839.474 657 840.131


(6.868.710)

(1.410.551)

(1.000.885)

(1.334.355)

(2.282.788)

(840.131)


(8.245.856)

821.770

(5.211.084)

(3.882.607)

(1.515.165)

1.541.230

821.770

(4.389.314)

(8.271.921)

(9.787.086)

(8.245.856)

B. Kewajiban rekening administratif | Administrative Payable 1 Komitmen | Commitment 2 Kontijensi | Contingent Jumlah Kewajiban rekening administratif Total Administrative Payable


-


65



           



                      



      

        

                    

   

   

   

 

   

























   

  

  

   

  

    

  

   



    



 

    

  

   

  



 





 



    

        

 

 



 

   



 

        







     







     























 





 

 



   

   

   

 

   













   

  

   

  

   

  

   

  









  

   

  

   

  

   

  

   















































 











  

 

 

 





 









































 

 



 

 

 



   

   

    

 



 

 

 

  











 

  

  

  









  

 

 

  









  

 

 

  

















 





 

























     

 

 

 







    













    

  





 

 





 

 

 



  

 



  

    

    

    

    



































 









   







   









































 











    









  













 

 



   

                             

   

 

 





    

    

 

 





            





 

   

   

       

       

              









  

  

  

  









 

 



   

   

 

 

   

  

  

   

 







   

  

  

   









 





 







 







 

      

  

  









 

       

 



                                                                                                                                                     

                                                                                                                                                                 

    

                                                             

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    

                                                       

                                                                         

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    

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                                                                   

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                                                                                               

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                                   

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                                                

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                                           

                                                   

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     

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                                                                                   

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    

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                          

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                         

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                                                      

                                                                                

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                                                                                                                                   

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                                                                                                              

                                                                     

                                                

 

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                                                                                  

                                                     

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     

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          

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                                                          



  

                                                                                    

                                                                                                                                                                                                                                           

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                                                                                                                          

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              

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                     

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

            

     

                       

                                                                                                                                                                                                                 

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    

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         

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          

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                                        

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  



                      

                                                        

                                                           

                                                                                                                                                                                                                                                       

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                                            

                

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        

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                                                                                                                                                                                 

                                                                                                                                                          

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                                                                                                                                                   

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                                                                                                                          

                                                                                                                                             

                                                                                                                                                                                                                 

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                                                                                                 

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                

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           

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       

                 

                

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                                                             

                                                                                                                                                                        

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                                                                                                                              

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                                                                                                                                                                                                                                                                   

                                         

                                                                                                                                                                                                                               



                                                                                                                                          



   





                                                                            

                   

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                                                    

                     

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         

                                                                                                                                                                             

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        

           

             

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                                   

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

                                                                                                    

                                           

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                                         

                       

                      

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                          

             

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                                       

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    

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                                                   



                 

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                                                   

                                                                                                                                                                                                                                          

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                                                                                                                                                       

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                                      

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            

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                 

                      

                                                                                                                                                                    

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    

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                        

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                                

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       

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           

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         

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      

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             

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                  

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                                                                                                                                                                                                                                              

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                                                                              

                       

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                                                                                           

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                               

                             

                       

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   

 

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   

   

   

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             

                    

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   





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                                                                            

                                                                                   

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

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



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                                   

                           

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  



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                                               

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  

                                                     

                                                                                 

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                                    

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                                

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                    

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              



         

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   

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           

                                                        

    

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          

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         

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   

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                      

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                                

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                                                                                                                                                                                                                                         

                                                                                                                                             

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                                                                                      

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                                                                                                                                                                                                                                                                                         

                                                                                                                                                                                               

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                                                

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                                                      

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                                

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                                                                                                      

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                                          

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                                                                                                                                                                                                    

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                                                                                       

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                      

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                                                                                                                                              

                                         

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                                                                                                                                                                                                                                                               

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    

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                    

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                                                                                                                                                                  

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                                                                                                             

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      

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                                                                                                                                                                     

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                                                                                                                                                              

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                                                                                                                                                 

       

                                                                                                                              

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

                             

               

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  





                      

   

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 

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

        

  

       

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 

              

        

         

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    

                                      

              

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

                                           

                          

            

                

                          

                

                

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

              

     

                   

        

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                                      

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

                                     

                        

                   

               

       

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                                                          

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                 



                                                                 

                     

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

       

                   

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   

            

  

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

     

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      

     

  

        

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    

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

     

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         

    

       

                                                                                                                                                     





                                                                                    

                                                               

                 



                 

     

              





                 





        

   





     



    

             



                                     

              

                      

         



        

         





                   



                 





              

   

                   

       

              



  

 

            

        

     

      

 

 

  

 

  

  

  

  

  

  













     

              

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    

   

  

  

   

 

 

 

 

  

  

  

  

 

 

 

 

  

  

  

  





                                      

            

                                      

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                                                                 



                                                            

        

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       

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             

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

          

        

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      

    

  

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

                     

        

          



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    

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

          

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         

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   

  

        

         

  

 

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

                               

        

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

                           

      

        

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       

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                                                                                                                                                                                                               

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                                                                                                                                                                                                    

                                                                                                                                                                                                                                                                            

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                                                                                    



                             

                                                                                                    

            

                                                                                                                                                                     

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                                             

                                                                                               

        

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                                                                                                                                                   

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       

                                                                                                                              

 

        

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      

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                       

                   

                 

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

  

              

        

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   

    

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 

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  

                                                                                               



                                                                                           

              

            

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        

        

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                                     

             

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

                                      

               

                       

              

               

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       



                  

               

              

          

       

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 

               



  

    

          





       

       



  

                          

                              

                  

                 

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

                        

    

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                   

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

     

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

   

                

          

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

             

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            

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       

           

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



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 

         

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                                                                                      

                                                                    

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

                  

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                            

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                                                                                                                                                                                                

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                                                                                                                                                                                     

                                                                                                                                                                                                                                                                               

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                                                                                                                           

                                                                                                                      

                                                                                                                            

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                                                                                                                                              

                

    

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                    

                                     

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     

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

     



        



    

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 

        

   











    

 

 

 











   

 





 









            



                                                                            



                                                                 

                    

                                                                                              

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                                                                             

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  

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                

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                                                    

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                                



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           

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  

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

                                                 

                                                  

                                

                      

                   

       

         

 

    





               

 





           

                          

                                    

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                          

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

                   

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     

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                                                                                                                                                       

    

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                                       

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                                           

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                    

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                   



                                                                                                           

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                                                             



                                                                  

           

                                                                     

                             

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                    

                                                                      

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                           

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                                                                                                                   

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                                         

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                                 

                           

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

                        

     

                                                                                                                               

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    

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                                                                          

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                                              

                                                                                                    

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                                                                                     

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                                                        

                                                                                      

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                                                              

                                                                                                                                                                                                                                                    



     

                         

                                                                                                              

                                                                            

     

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    

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               

                  

      

          

 

 









 

 









 

 

 

 

 

     

     

     

     









          





          

           



    

           

 

 









 

 









 

 

 

 

 

     

     

     

     



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



          

          

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                                                                                       



                                                                                 

    

                    

                       

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                                        



                                      

           

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      

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               

      

           

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                    

                       

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                                                                                                                



                                                                                                         

                                                                         

                           

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

                                                      

                   

     



                                                                                                           



    

                                                                                                        

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     

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    

                                                                                    



               

                        

              

                                                                                              

                          

              

  

                        

             

               

















  

     



    





                    





                   

         

                                   

                         

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



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                                        

                                         

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                                                                                       

                                                                                 



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                                           

                            

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            





 

 

 

 

        













                                                 



                                                                  

    





















 















  









  

















































 

 



 



  











 



 





 



  













 

 











































 





   

     



    

    





































 









 



















 



















 

 



























 



 

  









 













 

 















 















































 



                                                           

                                                    





     

    

  

  

  

  

  

 

 

 

 

 

 

 

 

 

 

 

 











    

 

     

  

  

  

  

  

   

  

  

  

  

  

  

   

























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                      

                      

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     

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    

                                                                                                                                                                                                                                       

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                                                                                                                                 

                                                                                                          

                                                                                                                                                                                 

                                                                                          

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 

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                

                                           

                      

 



Laporan Tahunan 2014 Annual Report 2014

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