PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2004 dan 2003 (Tidak Diaudit ) (dalam jutaan rupiah) No
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2004 and 2003 (Unaudited) (in million rupiah)
POS - POS
BANK 31.03.2004
AKTIVA 1. Kas 2. Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya 3. Giro pada bank lain a. Rupiah b. Valuta asing 4. Penempatan pada bank lain a. Rupiah b. Valuta asing PPAP - Penempatan pada bank lain -/5. Surat berharga yang dimiliki a. Rupiah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo b. Valuta asing i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPAP - Surat berharga yang dimiliki -/6. Obligasi Pemerintah* a. Diperdagangkan b. Tersedia untuk dijual c. Dimiliki hingga jatuh tempo 7. Surat berharga yang dibeli dengan janji dijual kembali ( reverse repo) a. Rupiah b. Valuta asing PPAP-Surat berharga yg dibeli dengan janji dijual kembali (reverse repo)-/8. Tagihan derivatif PPAP - Tagihan derivatif -/9. Kredit yang diberikan a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPAP - Kredit yang diberikan -/10. Tagihan akseptasi PPAP - Tagihan akseptasi -/11. Penyertaan PPAP - Penyertaan -/12. Pendapatan yang masih akan diterima 13. Biaya dibayar dimuka 14. Uang muka pajak 15. Aktiva pajak tangguhan 16. Aktiva tetap Akumulasi penyusutan aktiva tetap -/17. Aktiva sewa guna usaha Akumulasi penyusutan aktiva sewa guna usaha -/18. Agunan yang diambil alih 19. Aktiva lain-lain
CONSOLIDATED 31.03.2004 31.03.2003
31.03.2003
350.090
361.604
350.460
1.276.733 2.304.532 1.100.000
1.332.709 2.393.697 7.500
1.276.733 2.318.532 1.100.000
4.030 124.569
2.891 76.744
17.565 125.382
98.567 1.041.916 (28.746)
388.956 379.089 (94.499)
138.764 1.060.808 (28.758)
53.438 3.600 118.466
14.234 10.711 106.172
63.282 23.178 118.466
742.870 568.662 (23.292)
1.266.131 329.864 (32.240)
742.870 568.662 (23.292)
3.379.229 557.200 5.497.702
1.418 (14)
2.775.864 632.412 8.270.674 650 (6)
3.379.229 557.200 5.497.702 1.418 (14)
5.076 8.819.910
3.602 6.652.112
5.851 8.886.514
1.714.867 (959.363) 117.002 (1.170) 155.841 (75.039) 238.249 54.436 1.073 405.101 1.003.821 (304.791) 501.081 755.590
1.763.833 (1.420.932) 97.098 (1.025) 151.814 (57.597) 365.676 32.385 19 382.932 1.022.859 (295.799) 467.096 726.283
1.714.867 (959.905) 117.002 (1.170) 85.259 (75.039) 240.701 55.572 1.917 406.245 1.012.923 (310.474) 267 (89) 501.741 798.938
DESCRIPTIONS
ASSETS 361.911 1. Cash 2. Placement with Bank Indonesia 1.332.709 a. Current Account with Bank Indonesia 2.415.697 b. Certificates of Bank Indonesia 7.500 c. Others 3. Current Account with Other Banks 16.701 a. Rupiah 78.137 b. Foreign Currencies 4. Placements with Other Banks 425.892 a. Rupiah 408.249 b. Foreign Currencies (94.513) Provision for Possible Losses -/5. Marketable Securities a. Rupiah 23.949 i. Trading 13.727 ii. Available for Sale 106.172 iii. Held to Maturity b. Foreign Currencies 1.266.131 i. Trading ii. Available for Sale 329.864 iii. Held to Maturity (32.240) Provision for Possible Losses -/6. Government Bond 2.775.864 a. Trading 641.944 b. Available for Sale 8.270.674 c. Held to Maturity 7. Securities Purchased under Repurchase Agreement a. Rupiah b. Foreign Currencies Provision for Possible Losses -/650 8. Derivative Receivables (6) Provision for Possible Losses -/9. Loans a. Rupiah 5.003 i. Related Parties 6.720.742 ii. Third Parties b. Foreign Currencies i. Related Parties 1.763.833 ii. Third Parties (1.421.509) Provision for Possible Losses -/97.098 10. Acceptance Receivables (1.025) Provision for Possible Losses -/85.726 11. Investments (57.597) Provision for Possible Losses -/368.207 12. Account Receivables 33.492 13. Prepaid Expenses 295 14. Prepaid Taxes 384.215 15. Deffered Tax Assets 1.031.213 16. Premises and Equipments (300.296) Accumulated Depreciation -/267 17. Leased Assets (35) Accumulated Depreciation -/467.287 18. Foreclosed Assets 750.927 19. Other Assets
JUMLAH AKTIVA 29.602.654 28.113.513 29.769.307 28.276.855 * Merupakan obligasi Pemerintah dalam rangka rekapitalisasi dan peleburan usaha, termasuk obligasi Pemerintah dalam rangka program rekapitalisasi bank umum yang dibeli dari pasar sekunder * Goverment bond in the frame of recapitalization and merger, including government (recap.) bond bought from secondary market
TOTAL ASSETS
PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2004 dan 2003 (Tidak Diaudit ) (dalam jutaan rupiah) No
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2004 and 2003 (Unaudited) (Rupiah in million)
POS - POS
BANK 31.03.2004
1.
2. 3. 4.
5.
6. 7. 8. 9. 10.
11.
12 13. 14. 15. 16. 17. 18.
19.
20. 21.
PASIVA Giro a. Rupiah b. Valuta asing Kewajiban segera lainnya Tabungan Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain Sertifikat deposito a. Rupiah b. Valuta asing Simpanan dari bank lain Surat berharga yang dijual dengan janji dibeli kembali (repo) Kewajiban derivatif Kewajiban akseptasi Surat berharga yang diterbitkan a. Rupiah b. Valuta asing Pinjaman yang diterima a. Fasilitas pendanaan jangka pendek Bank Indonesia b. Lainnya i. Rupiah - Pihak terkait dengan bank - Pihak lain ii. Valuta asing - Pihak terkait dengan bank - Pihak lain Estimasi kerugian komitmen & kontinjensi Kewajiban sewa guna usaha Beban yang masih harus dibayar Taksiran pajak penghasilan Kewajiban pajak tangguhan Kewajiban lain-lain Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain Hak minoritas Ekuitas a. Modal disetor b. Agio ( Disagio ) c. Uang muka setoran modal d. Modal sumbangan e. Selisih penjabaran laporan keuangan f. Selisih penilaian kembali aktiva tetap g. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali h. Laba ( rugi ) yang belum direalisasi dari surat berharga i. Pendapatan komprehensif lainnya j. Saldo laba ( rugi ) JUMLAH PASIVA
CONSOLIDATED 31.03.2004 31.03.2003
31.03.2003
LIABILITIES & STOCKHOLDERS' EQUITY 1. Demand Deposits 2.269.665 a. Rupiah 1.430.846 b. Foreign Exchange 926.683 2. Other Current Liabilities 2.729.535 3. Saving Deposits 4. Time Deposits a. Rupiah 1.700 i. Related Parties 14.258.998 ii. Third Parties b. Foreign Exchange 13.086 i. Related Parties 1.577.039 ii. Third Parties 5. Certificates of Deposits 2.005 a. Rupiah b. Foreign Exchange 51.654 6. Deposits of Other Banks - 7. Securities Sold under Repurchase Agreement 131 8. Derivative Liabilities 97.098 9. Acceptance Liabilities 10. Securities Issued 455.601 a. Rupiah 8.698 b. Foreign Exchange 11. Fund Borrowings a. Short Term Facilities from Bank Indonesia b. Others i. Rupiah - Related Parties 973.122 - Third Parties ii. Foreign Exchange - Related Parties 530.945 - Third Parties 17.489 12. Estimation for Losses on Commitment & Contingensies - 13. Liabilities in Direct Financing Leases 127.690 14. Payable Expenses 833 15. Provision for Income Tax - 16. Liabilities in Deferred Tax 1.496.603 17. Other Liabilities 18. Subordinated Loans a. Related Parties b. Others 19. Capital Loans a. Related Parties b. Others 42.424 20. Minority Interest 21. Equity 1.300.534 a. Paid Up Capital 9.067.496 b. Agio ( Disagio ) c. Prepaid Capital d. Donation Capital e. Cummulative Translation Adjustment
5.219.242 2.178.103 861.417 3.564.770
2.274.355 1.431.974 904.171 2.721.977
5.214.038 2.175.201 899.691 3.575.812
14.311 11.661.512
4.824 14.195.862
1.000 11.715.348
13.979 1.303.525
17.540 1.577.039
12.287 1.303.525
5 610.767 3.325 117.002
2.005 51.654 131 97.098
5 609.821 3.325 117.002
9.118
455.601 8.698
9.118
-
-
720.574
972.555
721.100
181.934 24.260 60.909 1.216.521
530.945 17.489 127.157 1.457.428
181.934 24.260 61.117 819 1.258.512
-
-
-
-
-
44.012
1.300.534 9.067.496
1.300.534 9.067.496 -
1.300.534 9.067.496
43.574 (3.240.518) (2.455) (5.327.251)
43.574 (3.240.518) 3.908 (5.909.984)
43.574 (3.240.518) (2.455) (5.327.251)
43.574 (3.240.518) 3.908 (5.909.984)
29.602.654
28.113.513
29.769.307
28.276.855
-
DESCRIPTIONS
f. Revaluation Increment in Premises and Equipment g. Difference in value arising fr restructuring of entities under common contro
h. Unrealized Gains/Losses of Securities i. Other Comprehensive Income j. Retained Earnings TOTAL LIABILITIES & STOCKHOLDER'S EQUITY
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN LABA - RUGI DAN SALDO LABA KONSOLIDASI Untuk periode 3 bulan yang berakhir pada tanggal 31 Maret 2004 (Tidak Diaudit) (dalam jutaan rupiah) No
CONSOLIDATED STATEMENTS OF INCOMES For Period of January 1 to March 31, 2004 and 2003 (Unaudited) (Rupiah in million)
POS - POS
BANK 31.03.2004
1.
2.
3.
4.
5. 6.
7. 8. 9 10 11
12 13 14 15 16. 17.
PENDAPATAN DAN BEBAN OPERASIONAL Pendapatan Bunga 1.1. Hasil bunga a. Rupiah b. Valuta asing 1.2. Provisi dan komisi a. Rupiah b. Valuta asing Jumlah Pendapatan Bunga Beban Bunga 2.1. Beban bunga a. Rupiah b. Valuta asing 2.2. Komisi dan provisi Jumlah Beban Bunga Pendapatan Bunga Bersih Pendapatan Operasional Lainnya 3.1. Pendapatan provisi, komisi, fee 3.2. Pendapatan transaksi valuta asing 3.3. Pendapatan kenaikan nilai surat berharga 3.4. Pendapatan lainnya Jumlah Pendapatan Operasional Lainnya Beban (Pendapatan) Penghapusan Aktiva Produktif Beban Estimasi Kerugian Komitmen & Kontinjensi Beban Operasional Lainnya 6.1. Beban administrasi dan umum 6.2. Beban personalia 6.3. Beban penurunan nilai surat berharga 6.4. Beban transaksi valas 6.5. Beban lainnya Jumlah Beban Operasional Lainnya LABA ( RUGI ) OPERASIONAL PENDAPATAN DAN BEBAN NON OPERASIONAL Pendapatan Non Operasional Beban Non Operasional Pendapatan ( Beban ) Non Operasional Pendapatan/Beban Luar Biasa LABA/RUGI SEBELUM PAJAK PENGHASILAN Taksiran Pajak Penghasilan -/Tahun berjalan Ditangguhkan *) LABA/RUGI TAHUN BERJALAN Hak Minoritas -/Saldo Laba (Rugi) Awal Tahun Dividen Lainnya SALDO LABA ( RUGI ) AKHIR PERIODE LABA BERSIH PER SAHAM ( dalam satuan Rupiah )
31.03.2003
CONSOLIDATED 31.03.2004 31.03.2003
606.548 45.510
822.191 39.265
609.652 45.645
828.776 39.507
39.642 1.631 693.331
31.489 127 893.072
39.787 1.631 696.715
31.730 127 900.140
297.609 7.770 3.166 308.545 384.786
627.027 23.529 706 651.262 241.810
298.653 7.607 3.166 309.426 387.289
629.645 23.484 706 653.835 246.305
33.981 10.523 7.672 12.987 65.163
29.755 10.607 10.012 6.005 56.379
34.200 10.493 7.640 21.527 73.860
30.318 10.508 10.096 17.432 68.354
50.371
42.212
50.430
(13.628)
(22.801)
(13.628)
106.612 157.485 30.207 294.304
85.397 81.906 24.685 191.988
107.670 159.351 34.869 301.890
118.902
86.790
122.457
11.509 309 11.200 130.102
15.582 83 15.499 102.289
10.218 338 9.880 132.337
3.168 126.934 (5.454.185) (5.327.251) 0,7
102.289 (6.012.273) (5.909.984) 0,5
861 3.168 128.308 1.374 (5.454.185) (5.327.251) 0,7
DESCRIPTIONS OPERATING INCOME AND EXPENSES Interest Income 1.1. Interest Income a. Rupiah b. Foreign Exchange 1.2. Fees and Commissions a. Rupiah b. Foreign Exchange Total Interest Income Interest Expenses 2.1. Interest Expenses a. Rupiah b. Foreign Exchange 2.2. Other Expenses Total Interest Expenses Net Interest Income Other Operating Income 3.1. Other Provision, Commissions and Fees 3.2. Foreign Exchange Income 3.3. Increase in Securities Trading Value Income 3.4. Others Total Other Operating Income
42.255 Provision for Possible Losses on Earning Assets (22.801) Estimation for Losses on Commitment & Contingencies Other Operating Expenses 87.405 6.1. General & Administrative Expenses 85.370 6.2. Personnel Expenses - 6.3. Decline in Securities Value Expenses - 6.4. Foreign Exchange Expenses 28.891 6.5. Other Expenses 201.666 Total Other Operating Expenses 93.539 NET OPERATING INCOME NON OPERATING INCOME AND EXPENSES 14.474 Non Operating Income 87 Non Operating Expenses 14.387 Net Non Operating Income (Expenses) - Extraordinary Income (Expenses) 107.926 PROFIT/LOSS BEFORE TAX Provision for Income Tax -/1.407 - Current - - Deferred*) 106.519 NET INCOME 4.230 Minority Interest -/(6.012.273) Retained Earnings - Beginning Balance - Cash Dividends - Others (5.909.984) RETAINED EARNINGS - Ending Balance 0,6 EARNING PER SHARE (in Indonesian Rupiah)
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI Per 31 Maret 2004 dan 2003 (Tidak Diaudit )
STATEMENT OF COMMITMENTS AND CONTINGENCIES as of March 31, 2004 and 2003 (Unaudited)
(dalam jutaan rupiah)
(Rupiah in million) BANK
No
1.
2.
1.
2. 3.
1.
2.
3.
1.
2. 3.
POS - POS
31.03.2004
CONSOLIDATED 31.03.2004 31.03.2003
31.03.2003
DESCRIPTIONS
KOMITMEN
COMMITMENTS
Tagihan Komitmen Fasilitas pinjaman yang diterima dan belum digunakan a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Komitmen
Commitment Receivables Unused Fund Borrowings Facilities a. Rupiah b. Foreign Exchange Others Total Commitment Receivables
Kewajiban Komitmen Fasilitas kredit kepada nasabah yang belum ditarik a. Rupiah b. Valuta asing Irrevocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Komitmen JUMLAH KOMITMEN BERSIH
-
-
-
-
2.320.063 118.102
1.578.723 224.572
2.320.063 118.102
1.578.723 224.572
121.063 10.466 2.569.694 (2.569.694)
71.783 1.875.078 (1.875.078)
121.063 10.466 2.569.694 (2.569.694)
71.783 1.875.078 (1.875.078)
Commitment Payables Unused Loan Facilities Granted a. Rupiah b. Foreighn Exhange Outstanding Irrevocable Letters of Credit for Import and Export Others Total Commitment Payables TOTAL NET COMMITMENTS
KONTINJENSI
CONTINGENCIES
Tagihan Kontinjensi Garansi yang diterima a. Rupiah b. Valuta asing Pendapatan bunga dalam penyelesaian a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Kontinjensi
Contingenciy Receivables Bank Guarantees Received a. Rupiah b. Foreign Currencies Interest Receivables on Non-Performing Loans a. Rupiah b. Foreign Currencies Others Total Contingencies Receivables
Kewajiban Kontinjensi Garansi yang diberikan a. Bank garansi - Rupiah - Valuta asing b. Lainnya Revocable L/C yang masih berjalan dalam rangka impor dan ekspor Lainnya Jumlah Kewajiban Kontinjensi JUMLAH KONTINJENSI BERSIH
-
-
-
-
60.181 15.157 75.338
97.729 99.480 197.209
60.181 15.157 75.338
97.729 99.480 197.209
86.308 67.392 4.006
106.009 343.971 3.395
86.308 67.392 4.006
106.009 343.971 3.395
157.706 (82.368)
453.375 (256.166)
157.706 (82.368)
453.375 (256.166)
Contingency Payables Guarantees Issued in the forms of: a. Bank Guarantees - Rupiah - Foreign Currencies b. Others Outstanding Revocable Letters of Credit for Import and Export Others Total Contingency Payables TOTAL NET CONTINGENCIES
PT BANK PERMATA TBK K U A L I T A S A K T I V A P R O D U K T I F DAN I N F O R M A S I L A I N N Y A Per 31 Maret 2004 dan 2003 (Tidak Diaudit ) (dalam jutaan rupiah) Pos - Pos Current
Special Mention
31 March 2004 Substandard Doubtful
Loss
Total
A. Pihak Terkait
8.801.596
-
-
6.025
-
8.807.621
1. Penempatan pada bank lain 2. Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia* 3. Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya 4. Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit 5. Tagihan lain kepada pihak ketiga 6. Komitmen dan Kontinjensi kepada pihak ketiga
9.855 8.719.880 5.076 5.076 66.785 66.785 -
-
-
6.025 3.617 2.408 -
-
9.855 8.719.880 5.076 5.076 72.810 70.402 2.408 -
15.576.028
1.405.495
435.114
231.316
326.652
17.974.605
2.283.871 4.585.918 8.331.717 1.563.779 1.359.669 1.359.669 77.260 5.331.009 4.979 4.979 114.183 255.360
1.405.495 689.537 62.321 62.321 507.929 145.708 -
420.614 284.570 14.910 14.910 79.295 41.839 12.500 12.500 2.000
231.316 8.942 2.989 2.989 119.596 99.789 -
6.063 8.507 234.978 18.872 13.908 13.908 633 201.565 55.698 698 55.000 21.406
2.289.934 4.594.425 10.624.120 2.565.700 1.453.797 1.453.797 784.713 5.819.910 73.177 5.677 67.500 114.183 278.766
24.377.624
1.405.495
435.114
237.341
326.652
26.782.226
60.117 287.117 67,66%
75.490 135.490 3,87%
250.353 300.353 8,03%
B. Pihak Tidak Terkait 1. Penempatan pada bank lain 2. Surat-surat Berharga kepada pihak ketiga dan Bank Indonesia 3. Kredit kepada pihak ketiga a. KUK b. Kredit properti i. Direstrukturisasi ii. Tidak direstrukturisasi c. Kredit lain yang direstrukturisasi d. Lainnya 4. Penyertaan pada pihak ketiga a. Pada perusahaan keuangan non bank b. Dalam rangka restrukturisasi kredit 5. Tagihan lain kepada pihak ketiga 6. Komitmen dan Kontinjensi kepada pihak ketiga JUMLAH PPAP yang wajib dibentuk PPAP yang telah dibentuk Total asset bank yang dijaminkan a. Pada Bank Indonesia b. Pada Pihak Lain Persentase KUK terhadap total kredit Persentase Jumlah Debitur KUK terhadap Total Debitur *Merupakan obligasi pemerintah dalam rangka rekapitalisasi dan peleburan usaha
115.390 190.579 18,76%
70.275 198.345 49,06%
571.625 1.111.884 24,14% 48,37%
PT BANK PERMATA TBK EARNING ASSETS QUALITY as of March 31, 2004 and 2003 (Unaudited) (Rupiah in million) Current
Special Mention
31 March 2003 Substandard Doubtful
DESCRIPTIONS Loss
Total
11.754.619
-
6.025
-
-
11.760.644 A. Related Parties
8.518 11.678.950 3.602 3.602 63.549 63.549 -
-
6.025 3.617 2.408 -
-
-
8.518 11.678.950 3.602 3.602 69.574 67.166 2.408 -
10.501.325
1.339.699
627.440
185.246
1.447.280
2.085.072 2.909.272 5.272.463 1.347.027 479.965 479.965 164.858 3.280.613 717 717 53.217 180.584
1.011.561 598.826 47.955 47.955 66.712 298.068 12.500 12.500 315.638
625.656 286.075 8.108 8.108 85.259 246.214 1.135 1.135 649
185.246 9.528 7.856 7.856 104.168 63.694 -
6.063 15.120 1.327.821 142.703 177.439 177.439 674.933 332.746 55.128 128 55.000 14.860 28.288
2.091.135 2.924.392 8.422.747 2.384.159 721.323 721.323 1.095.930 4.221.335 69.480 1.980 67.500 68.077 525.159
1. Placement with Other Banks 2. Marketable Securities 3. Loans a. Small Business b. Property Loans i. Restructured Loans ii. Unrestructured Loans c. Other Restructured Loans d. Others 4. Investment in Third Parties a. Financial Institutions (Non Bank) b. Loan Restructuring Program 5. Other Receivables 6. Commitment and Contingencies
22.255.944
1.339.699
633.465
185.246
1.447.280
25.861.634
TOTAL
75.835 125.835 45,72%
72.995 122.995 5,14%
896.310 1.176.015 10,75%
81.893 131.893 25,53%
67.052 67.052 59,20% 0
1. Placement with Other Banks 2. Marketable Securities 3. Loans a. Small Business b. Property Loans i. Restructured Loans ii. Unrestructured Loans c. Other Restructured Loans d. Others 4. Investment in Related Parties a. Financial Institutions (Non Bank) b. Loan Restructuring Program 5. Other Receivables 6. Commitment and Contingencies
14.100.990 B. Third Parties
1.194.085 1.623.790 28,29% 42,64%
Compulsory Allowance for Earning Asset Losses Established Allowance for Earning Asset Losses Total for Guaranteed Bank Assets a. In Bank Indonesia b. In Third Parties Small Business to Total Loans (%) Smal Business Debtors to Total Debtors (%) *Government bond in the frame of recapitalization and merger
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM Per 31 Maret 2004 dan 2003 (Tidak Diaudit )
CALCULATION OF CAPITAL ADEQUACY RATIO as of March 31, 2004 and 2003 (Unaudited)
( dalam jutaan rupiah )
(Rupiah in million) KETERANGAN
I. KOMPONEN MODAL A. MODAL INTI 1. Modal Disetor 2. Cadangan Tambahan Modal ( Disclosed Reserves ) a. Agio Saham b. Disagio ( -/- ) c. Modal Sumbangan d. Cadangan Umum dan Tujuan e. Laba tahun-tahun lalu setelah diperhitungkan pajak f. Rugi tahun-tahun lalu ( -/- ) g. Laba tahun berjalan setelah diperhitungkan pajak ( 50% ) h. Rugi tahun berjalan ( -/- ) i. Selisih penjabaran laporan keuangan Kantor Cabang Luar Negeri 1) Selisih lebih 2) Selisih kurang ( -/- ) j. Dana Setoran Modal k. Penurunan nilai Penyertaan pada portofolio tersedia untuk dijual (-/-) i. Selisih Nilai Transaksi Restrukturisasi Entitas Sepengendali 3. Goodwill ( -/- )
B. MODAL PELENGKAP ( Maks. 100 % dari Modal Inti ) 1. Cadangan Revaluasi Aktiva Tetap 2. Cadangan Umum Penyisihan Penghapusan Aktiva Produktif/ PPAP (maks. 1,25% dari ATMR) 3. Modal Pinjaman 4. Pinjaman Subordinasi (maks. 50% dari Modal Inti) 5. Peningkatan harga saham pada portofolio tersedia untuk dijual (45%) II. III. IV. V. VI.
TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B) PENYERTAAN ( -/- ) TOTAL MODAL ( II - III ) AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA ( IV:V ) VII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG DIWAJIBKAN
BANK *) 31.03.2004 31.03.2003
1.330.108 1.300.534
787.444 1.300.534
9.067.496 (5.690.761) (3.412.212) 65.051 -
9.067.496 (6.223.503) (3.412.212) 51.221 0 3.908
0 -
338.134 43.574
331.116 43.574
154.485 140.075
125.732 161.810 1.118.560 81.065 1.037.495 10.058.614
1.668.242 81.619 1.586.623 12.358.790 12,8% 8,0%
I. COMPONENTS A. CORE CAPITAL 1. Paid Up Capital 2. Disclosed Reserves a. Agio b. Disagio ( -/- ) c. Donated Capital d. General and Appropriated Reserves e. Previous Years Profit After Tax f. Previous Years Losses (-/-) g. Current Year Profit after Tax ( 50% ) h. Current Year Losses ( -/- ) i. Translation Adjustment of Overseas Branch Office Financial Statement 1) Positive Adjustment 2) Negative Adjustment ( -/- ) j. Funds for Paid Up Capital k. Loss in Value of Equity Participation in Portfolio Available for Sale (-/-) i. Difference in Value fr. Restructuring of Entities Under Common Control 3. Goodwill ( -/- )
B. SUPPLEMENTARY CAPITAL ( Max. 100 % of Core Capital) 1. Reserves of Fixed Asset Revaluation 2.General Reserves of Allowance for Earning Asset (max. 1,25% of Risk Weighted Assets) 3. Loan Capital 4. Subordinated Loan (max 50% of Core Capital) 5. Gain in Value of Equity Participation in Portfolio Available for Sale (45%) II. III. IV. V.
TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B) EQUITY PARTICIPATIONS ( -/- ) TOTAL CAPITAL ( II - III ) RISK-WEIGHTED ASSET
10,3% VI. ESTABLISHED CAPITAL ADEQUACY RATIO (IV:V) 8,0% VII. REQUIRED CAPITAL ADEQUACY RATIO
*) Disajikan dengan tidak memperhitungkan dampak aktiva pajak tangguhan sesuai dengan Peraturan Bank Indonesia No.3/21/PBI/2001 tanggal 13 Desember 2001. *) Presented without calculating the effect of deferred tax asset with respect to Bank Indonesia's regulation No.3/21/PBI/2001 dated 13 December 2001.
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN RASIO KEUANGAN Per 31 Maret 2004 dan 2003 (Tidak Diaudit )
FINANCIAL RATIO as of March 31, 2004 and 2003 (Unaudited)
No.
BANK 31.03.2003 31.03.2004
RASIO ( % )
I. Permodalan 1. CAR 2. Aktiva tetap terhadap modal II. Aktiva Produktif 1. Aktiva produktif bermasalah 2. NPL Gross 3. NPL Net 4. PPAP terhadap aktiva produktif 5. Pemenuhan PPAP III. Rentabilitas 1. ROA 2. ROE 3. NIM 4. BOPO IV. Likuiditas LDR V. Kepatuhan (Compliance) 1. a. Persentase Pelanggaran BMPK a. 1. Pihak Terkait a. 2. Pihak Tidak Terkait b. Persentase Pelampauan BMPK b. 1. Pihak Terkait b. 2. Pihak Tidak Terkait 2. GWM Rupiah 3. PDN
12,8% 63,3%
10,3% 98,6%
3,7% 8,3% 2,6% 4,2% 194,5%
8,8% 25,4% 9,7% 6,3% 135,6%
1,8% 39,0% 5,8% 84,3%
1,4% 10,0% 3,6% 90,9%
44,4%
37,9%
0,0% 0,0%
0,0% 0,0%
0,0% 0,3% 5,1% 2,8%
0,0% 13,4% 5,1% 16,2%
PENGURUS BANK / MANAGEMENT Dewan Komisaris - Komisaris Utama - Komisaris - Komisaris - Komisaris - Komisaris - Komisaris Independen - Komisaris Independen Direksi - Direktur Utama - Wakil Direktur Utama - Direktur Kepatuhan - Direktur - Direktur - Direktur - Direktur - Direktur * Pemegang saham pengendali
RATIO ( % ) I. Capital 1. CAR 2. Fixed Assets to Capital II. Earning Assets 1. Non-Performing Earning Assets 2. NPL Gross 3. NPL Nett 4. Allowance for Earning Assets Losses to Earning Assets 5. Compliance of Allowance for Earning Assets Losses III. Rentability 1. ROA 2. ROE 3. NIM 4. Operating Expenses to Operating Revenues IV. Liquidity LDR V. Compliance 1. a. Percentage Violation of Legal Lending Limit (LLL) a. 1. Related Parties a. 2. Non-Related Parties b. Percentage of LLL excess b. 1. Related Parties b. 2. Non-Related Parties 2. Reserve Requirement (Rupiah) 3. Net Open Position
PEMILIK BANK / OWNERS
DR. Aditiawan Chandra Dradjat Bagus Prasetyo DR. Lukita D. Tuwo Deswandhy Agusman Rachmat Saptaman DR. Tirta Hidayat Ichsanuddin Noorsy Agus D.W. Martowardojo Chandra Purnama Elvyn Gahadi Masassya Joseph Georgino Godong Andrew Hardi Hanubrata Ongki Wanadjati Dana Mahdi Syahbuddin Irman Alvian Zahiruddin
Badan Penyehatan Perbankan Nasional* Indonesian Banking Restructuring Agency* Negara Republik Indonesia* The Republic of Indonesia Masyarakat Public Jumlah Total
* Controlling shareholders
91.33%
5.84%
2.83%
100.00%
PT BANK PERMATA TBK
PT BANK PERMATA TBK
TRANSAKSI VALUTA ASING DAN DERIVATIF Per 31 Maret 2004 dan 2003 (Tidak Diaudit )
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE as of March 31, 2004 and 2003 (Unaudited)
( dalam jutaan rupiah ) Market Value of the Contract TRANSACTION Hedging
No. A. 1. 2. 3.
Related to Exchange Rate Spot Forward Option a. Purchased b. Written 4. Future 5. Swap 6. Others
B. Related to Interest Rate 1. Forward 2. Option a. Purchased b. Written 3. Future 4. Swap 5. Others C.
Others JUMLAH / TOTAL
(Rupiah in million) Contract Value with Netting Agreement
Derivative Receivables and Payables Receivables Payables
Others -
-
-
-
-
-
482.085 -
1.418 -
3.325 -
-
-
-
-
-
-
-
-
-
-
-
-
482.085
1.418
3.325
-
Catatan : - Informasi keuangan ini disusun untuk memenuhi Peraturan Bank Indonesia No.3/22/PBI tanggal 13 Desember 2001 tentang Transparansi Kondisi Keuangan Bank, Surat Edaran Bank Indonesia No. 3/30/DPNP tanggal 14 Desember 2001 tentang Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta Laporan Tertentu yang Disampaikan kepada Bank Indonesia, dan peraturan No. VIII.G.7 Lampiran Keputusan Ketua Bapepam No.Kep-06/PM/2000 tanggal 13 Maret 2000 tentang Pedoman Penyajian Laporan Keuangan jo Surat Edaran Ketua Bapepam No. SE-02/PM/2002 tanggal 27 Desember 2002 tentang Pedoman Penyajian dan Pengungkapan Laporan Keuangan Emiten atau Perusahaan Publik, peraturan No.X.K.2 Lampiran Keputusan Ketua Bapepam No.Kep-36/PM/2003 tanggal 30 September 2003 tentang Kewajiban Penyampaian Laporan Keuangan Berkala. - Berdasarkan keputusan Presiden Republik Indonesia No.15 tahun 2004 tentang pengakhiran tugas dan pembubaran BPPN, dalam pasal 6 dinyatakan bahwa dengan berakhirnya tugas BPPN sebagaimana dimaksud dalam pasal 1 dan/atau dibubarkannya BPPN sebagaimana dimaksud dalam pasal 2, segala kekayaan BPPN menjadi kekayaan Negara yang dikelola oleh Menteri Keuangan. - BPPN dan Negara Republik Indonesia adalah ultimate shareholders sesuai Peraturan Bank Indonesia No.5/25/PBI/2003 tanggal 10 November 2003 tentang Penilaian Kemampuan dan Kepatutan. - Untuk tujuan perbandingan, beberapa akun dalam informasi keuangan periode 3 bulan untuk tahun yang berakhir 31 Maret 2003 telah direklasifikasi agar sesuai dengan penyajian akun didalam informasi keuangan tanggal 31 Maret 2004. - Kurs tukar valuta asing yang digunakan adalah sebagai berikut : Kurs per 31 Maret 2004
: 1 US$ = Rp. 8.562,5
Kurs per 31 Maret 2003
: 1 US$ = Rp. 8.902
Note: - This financial statement is based on Regulation of Bank Indonesia No.3/22/PBI dated 13 December 2001 re: Financial Transparency Condition for Banks, Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 Dec 2001 re: Monthly and Quarterly Published Financial Statement of Commercial Bank, and Specific Report to Bank Indonesia, Rule No. VIII.G.7 attached to Decision Letter of the Capital Market Supervisory Agency (Bapepam) No. Kep-06/PM/2000 re: Guidelines of the Presentation of Financial Statements, Circular Letter of the Chairman of Bapepam No. SE-02/PM/2002 re: Guidelines of the Presentation and Disclosure of Listed Company's Financial Statements, and Rule No. X.K.2 Decision of the Director of PT Bursa Efek Jakarta No. Kep-01/BEJ/1992 dated February 17, 1992, re: Rule of the Jakarta Stock Exchange. - Based on the decision of the President of the Republic of Indonesia No.15, yr 2004 re: Termination and liquidation of IBRA, article 6 stated that due to the termination of IBRA's duty refered to article 1 and/or IBRA liquidation as stated on article 2, the assets of IBRA are to be controlled by the Republic of Indonesia, under the supervision of Ministry of Finance. - IBRA and the Republic of Indonesia were the ultimate shareholders refer to the regulation of Bank Indonesia No.5/25/PBI/2003 dated 10 November 2003 re: Fit and Proper - For comparation purpose, a number of account in the financial report for the period of Jan 1, 2003 to Mar 31, 2003 had been reclassified to be align with the financial report for the period of Jan1, 2004 to Mar 31, 2004. - The exchange rates: 31 March 2004
: 1 USD = Rp. 8,562,5
31 March 2003
: 1 USD = Rp. 8,902
