PT BANK PERMATA TBK
PT BANK PERMATA TBK
NERACA KONSOLIDASI Per 31 Maret 2005 dan 2004 (Tidak Diaudit ) (dalam jutaan rupiah) No
CONSOLIDATED FINANCIAL STATEMENTS as of March 31, 2005 and 2004 (Unaudited) (in million rupiah)
POS - POS
BANK 31.03.2005
1. 2.
3.
4.
5.
6. 7.
8.
9. 10.
11. 12. 13. 14. 15. 16. 17. 18. 19. 20. 21.
AKTIVA Kas Penempatan pada Bank Indonesia a. Giro Bank Indonesia b. Sertifikat Bank Indonesia c. Lainnya Giro pada bank lain a. Rupiah b. Valuta asing Penempatan pada bank lain a. Rupiah b. Valuta asing PPAP - Penempatan pada bank lain -/Surat berharga yang dimiliki a. Rupiah i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo b. Valuta asing i. Diperdagangkan ii. Tersedia untuk dijual iii. Dimiliki hingga jatuh tempo PPAP - Surat berharga yang dimiliki -/Surat berharga yang dijual dengan janji dibeli kembali Obligasi Pemerintah a. Diperdagangkan b. Tersedia untuk dijual c. Dimiliki hingga jatuh tempo Tagihan atas surat berharga yang dibeli dengan janji dijual kembali ( reverse repo) a. Rupiah b. Valuta asing PPAP-Surat berharga yg dibeli dengan janji dijual kembali (reverse repo)-/Tagihan derivatif PPAP - Tagihan derivatif -/Kredit yang diberikan a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain PPAP - Kredit yang diberikan -/Tagihan akseptasi PPAP - Tagihan akseptasi -/Penyertaan PPAP - Penyertaan -/Pendapatan yang masih akan diterima Biaya dibayar dimuka Uang muka pajak Aktiva pajak tangguhan Aktiva tetap Akumulasi penyusutan aktiva tetap -/Properti terbengkalai PPAP - Properti terbengkalai -/Aktiva sewa guna usaha Akumulasi penyusutan aktiva sewa guna usaha -/Agunan yang diambil alih Aktiva lain-lain
31.03.2004
CONSOLIDATED 31.03.2005 31.03.2004
436,026
350,090
436,454
1,731,225 1,673,165
1,276,733 2,304,532 1,100,000
1,731,225 20,550 1,673,165
7,282 198,604
4,030 124,569
29,732 201,322
380,844 377,913 (19,458)
98,567 1,041,916 (28,746)
422,785 396,617 (19,495)
5,338 88,862
1,800 10,310 163,397
42,997 5,338 88,862
322,734 23,648 416,780 (9,410) -
824,669 40,106 446,754 (23,292) -
322,734 23,648 416,780 (9,410)
1,505,677 250,963 3,906,905 3,431 (49)
3,379,229 557,200 5,497,702 1,418 (14)
1,505,677 250,963 3,906,905 3,431 (49)
7,453 13,714,858
5,076 8,819,910
7,983 13,784,470
2,357,797 (1,024,840) 404,553 (5,228) 155,235 (73,680) 176,783 70,415 37,342 338,357 1,060,793 (303,115) 477,232 874,273
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
2,357,797 (1,025,392) 404,553 (5,228) 79,070 (73,680) 178,775 71,956 38,766 341,972 1,069,894 (308,466) 267 (138) 478,675 897,597
DESCRIPTIONS
ASSETS 350,460 Cash Placement with Bank Indonesia 1,276,733 a. Current Account with Bank Indonesia 2,318,532 b. Certificates of Bank Indonesia 1,100,000 c. Others Current Account with Other Banks 17,565 a. Rupiah 125,382 b. Foreign Currencies Placements with Other Banks 138,764 a. Rupiah 1,060,808 b. Foreign Currencies (28,758) Provision for Possible Losses -/Marketable Securities a. Rupiah 11,644 i. Trading 29,888 ii. Available for Sale 163,397 iii. Held to Maturity b. Foreign Currencies 824,669 i. Trading 40,106 ii. Available for Sale 446,754 iii. Held to Maturity (23,292) Provision for Possible Losses -/Securities Sold under Agreements to Repurchase Government Bonds 3,379,229 a. Trading 557,200 b. Available for Sale 5,497,702 c. Held to Maturity Securities Purchased under Resale Agreements (reverse repo) - a. Rupiah - b. Foreign Currencies - Provision for Possible Losses -/1,418 Derivative Receivables (14) Provision for Possible Losses -/Loans a. Rupiah 5,851 i. Related Parties 8,886,514 ii. Third Parties b. Foreign Currencies i. Related Parties 1,714,867 ii. Third Parties (959,905) Provision for Possible Losses -/117,002 Acceptance Receivables (1,170) Provision for Possible Losses -/85,259 Investments (75,039) Provision for Possible Losses -/240,701 Account Receivables 55,572 Prepaid Expenses 1,917 Prepaid Taxes 406,245 Deffered Tax Assets 1,012,923 Premises and Equipments (310,474) Accumulated Depreciation -/- Unutilized Properties - Provision for Possible Losses -/267 Leased Assets (89) Accumulated Depreciation -/501,741 Foreclosed Assets 798,938 Other Assets
JUMLAH AKTIVA 29,568,708 29,602,654 29,749,102 29,769,307 * 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
CONSOLIDATED FINANCIAL STATEMENTS
Per 31 Maret 2005 dan 2004 (Tidak Diaudit )
as of March 31, 2005 and 2004 (Unaudited)
(dalam jutaan rupiah) No
(Rupiah in million) POS - POS
BANK 31.03.2005
PASIVA 1. Giro a. Rupiah b. Valuta asing 2. Kewajiban segera lainnya 3. Tabungan 4. Simpanan berjangka a. Rupiah i. Pihak terkait dengan bank ii. Pihak lain b. Valuta asing i. Pihak terkait dengan bank ii. Pihak lain 5. Sertifikat deposito a. Rupiah b. Valuta asing 6. Simpanan dari bank lain 7. Kewajiban pembelian kembali surat berharga yang dijual dengan syarat repo 8. Kewajiban derivatif 9. Kewajiban akseptasi 10. Surat berharga yang diterbitkan a. Rupiah b. Valuta asing 11. Pinjaman yang diterima a. Fasilitas pendanaan jangka pendek Bank Indonesia b. Lainnya i. Rupiah - Pihak terkait dengan bank - Pihak lain ii. Valuta asing - Pihak terkait dengan bank - Pihak lain 12 Estimasi kerugian komitmen & kontinjensi 13. Kewajiban sewa guna usaha 14. Beban yang masih harus dibayar 15. Taksiran pajak penghasilan 16. Kewajiban pajak tangguhan 17. Kewajiban lain-lain 18. Pinjaman subordinasi a. Pihak terkait dengan bank b. Pihak lain 19. Modal pinjaman a. Pihak terkait dengan bank b. Pihak lain 20. Hak minoritas 21. Ekuitas a. Modal disetor b. Agio ( Disagio ) c. 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
DESCRIPTIONS
CONSOLIDATED 31.03.2005 31.03.2004
31.03.2004
3,803,246 1,689,135 993,255 4,384,744
5,219,242 2,178,103 861,417 3,564,770
3,799,443 1,687,017 1,032,476 4,399,043
5,214,038 2,175,201 899,691 3,575,812
693,331 11,490,728
14,311 11,661,512
688,395 11,546,117
1,000 11,715,348
114,156 1,091,135
13,979 1,303,525
99,749 1,091,135
12,287 1,303,525
5 211,203 3,388 404,552
5 610,767 3,325 117,002
5 209,957 3,388 404,552
5 609,821 3,325 117,002
-
9,118
-
9,118
-
-
-
-
630,130
720,574
630,130
721,100
89,257 411,694 8,087 47,168 1,031,248
181,934 24,260 60,909 1,216,521
89,257 411,694 8,087 47,993 1,079,149
181,934 24,260 61,117 1,259,331
-
-
-
-
-
-
49,269
44,012
1,300,534 9,067,496 43,574 (3,240,518) 1,180 (4,700,020)
1,300,534 9,067,496 43,574 (3,240,518) (2,455) (5,327,251)
1,300,534 9,067,496 43,574 (3,240,518) 1,180 (4,700,020)
1,300,534 9,067,496 43,574 (3,240,518) (2,455) (5,327,251)
29,568,708
29,602,654
29,749,102
29,769,307
LIABILITIES & STOCKHOLDERS' EQUITY Demand Deposits a. Rupiah b. Foreign Exchange Other Current Liabilities Savings Time Deposits a. Rupiah i. Related Parties ii. Third Parties b. Foreign Exchange i. Related Parties ii. Third Parties Certificates of Deposits a. Rupiah b. Foreign Exchange Deposits of Other Banks Securities Sold under Repurchase Agreements (repo) Derivative Payables Acceptance Payables Securities Issued a. Rupiah b. Foreign Exchange Fund Borrowings a. Short Term Funding Facilities from Bank Indonesia b. Others i. Rupiah - Related Parties - Third Parties ii. Foreign Exchange - Related Parties - Third Parties Estimated Allowance for Possible Losses on Commitment & Contingencies Lease Payables Accruals Estimated Tax Payable Deferred Tax Liabilities Other Liabilities Subordinated Loans a. Related Parties b. Others Loan Capital a. Related Parties b. Others Minority Interest Equity a. Paid Up Capital b. Agio ( Disagio ) c. Prepaid Capital d. Donation Capital e. Difference in Foreign Currency Translation f. Revaluation Increment in Premises and Equipment g. Difference in value arising fr restructuring of entities under common control h. Unrealized Gains/Losses from Marketable Securities & Government Bonds 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 2005 (Tidak Diaudit) (dalam jutaan rupiah) No
CONSOLIDATED STATEMENTS OF INCOMES For Period of January 1 to March 31, 2005 and 2004 (Unaudited) (Rupiah in million)
POS - POS
BANK 31.03.2005
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 premi 3.5. 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 )
31.03.2004
CONSOLIDATED 31.03.2005 31.03.2004
632,347 46,857
606,548 45,510
636,182 46,466
609,652 45,645
59,779 1,848 740,831
39,642 1,631 693,331
59,922 1,848 744,418
39,787 1,631 696,715
328,942 7,104 512 336,558 404,273
297,609 7,770 3,166 308,545 384,786
330,083 7,000 512 337,595 406,823
298,653 7,607 3,166 309,426 387,289
50,844 12,460 (9,258) 35,842 89,888
33,981 10,523 7,672 12,987 65,163
51,101 12,176 (9,565) 9,431 34,796 97,939
(21,667) 649
50,371 (13,628)
(21,638) 649
135,493 163,530 44,547 343,570
106,612 157,485 30,207 294,304
137,102 165,948 48,723 351,773
171,609
118,902
173,978
18,928 3,199 15,729 187,338
11,509 309 11,200 130,102
19,235 3,228 16,007 189,985
53,620 2,270 131,448 (4,831,468) (4,700,020) 17
3,168 126,934 (5,454,185) (5,327,251) 16
55,145 1,832 133,008 1,560 (4,831,468) (4,700,020) 17
33,949 10,493 7,640 8,410 13,402 73,894
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. Gain on Foreign Exchange Transactions 3.3. Gain from Increase in Fair Value of Securities 3.4. Premium Income 3.5. Other Income Total Other Operating Income
50,430 Provision for Possible Losses on Earning Assets (13,628) Estimation for Losses on Commitment & Contingencies Other Operating Expenses 107,670 6.1. General & Administrative Expenses 159,351 6.2. Personnel Expenses - 6.3. Decrease in Value of Securities - 6.4. Losses of Foreign Exchange Transactions 34,870 6.5. Other Expenses 301,891 Total Other Operating Expenses 122,490 NET OPERATING INCOME NON OPERATING INCOME AND EXPENSES 10,218 Non Operating Income 371 Non Operating Expenses 9,847 Net Non Operating Income (Expenses) - Extraordinary Income (Expenses) 132,337 PROFIT/LOSS BEFORE TAX Provision for Income Tax -/861 - Current 3,168 - Deferred*) 128,308 NET INCOME 1,374 Minority Interest -/(5,454,185) Retained Earnings - Beginning Balance - Cash Dividends - Others (5,327,251) RETAINED EARNINGS - Ending Balance 16 EARNING PER SHARE (in Indonesian Rupiah)
PT BANK PERMATA TBK
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 2005 dan 2004 (Tidak Diaudit )
EARNING ASSETS QUALITY as of March 31, 2005 and 2004 (Unaudited)
(dalam jutaan rupiah)
(Rupiah in million) Pos - Pos Current
Special Mention
31 March 2005 Substandard Doubtful
Loss
Total
A. Pihak Terkait
5,310,562
-
-
6,025
-
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
50,449 5,178,409 7,453 7,453 66,951 66,951 6,681 619
-
-
6,025 3,617 2,408 -
-
5,316,587 50,449 5,178,409 7,453 7,453 72,976 70,568 2,408 6,681 619
B. Pihak Tidak Terkait
18,978,304
1,666,045
181,311
143,074
281,350
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
1,395,952 2,560,320 13,951,414 1,119,196 2,230,052 2,230,052 56,860 10,545,306 4,979 4,979 398,190 667,454
516 1,658,296 354,263 165,786 165,785 872,991 265,257 7,233
169,611 18,348 7,456 7,456 99,476 44,331 11,700 11,700 -
143,074 5,222 3,438 3,438 118,921 15,493 -
6,063 220,155 13,212 16,106 16,106 43,341 147,496 55,132 132 55,000 -
24,288,868
1,666,045
181,311
149,099
281,350
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
169,522 227,553 8.02%
83,302 526,799 21.36%
20,308 69,559 10.82%
68,430 95,204 3.65%
215,053 221,636 6.00%
Current
Special Mention
31 March 2004 Substandard Doubtful
DESCRIPTIONS Loss
Total
8,801,596
-
-
6,025
-
8,807,621 Related Parties
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 -
21,250,089
15,576,028
1,405,495
435,114
231,316
326,652
17,974,605 Third Parties
1,402,015 2,560,836 16,142,017 1,510,241 2,422,837 2,422,837 1,191,589 11,017,350 71,811 5,111 66,700 398,190 674,687
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
26,566,673
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%
556,615 1,140,751 9.35% 32.23%
115,390 190,579 18.76%
70,275 198,345 49.06%
571,625 1,111,884 24.14% 48.37%
Placement with Other Banks Marketable Securities Issued by Third Parties or Bank Indonesia* Loans to Third Parties a. Small Scale Business Credit b. Property Loans i. Restructured ii. Unrestructured c. Other Restructured Loans d. Others Investment in Third Parties a. Non Bank Financial Institutions b. Loan Restructuring Program Other Receivables Commitment and Contingencies
Placement with Other Banks Marketable Securities Issued by Third Parties or Bank Indonesia* Loans to Third Parties a. Small Scale Business Credit b. Property Loans i. Restructured ii. Unrestructured c. Other Restructured Loans d. Others Investment in Third Parties a. Non Bank Financial Institutions b. Loan Restructuring Program Other Receivables Commitment and Contingencies TOTAL Compulsory Allowance for Earning Asset Losses Established Allowance for Earning Asset Losses Collateralized Assets a. To Bank Indonesia b. To Third Parties Percentage of Small Scale Business to Total Loans (%) Smal Scale Business Debtors to Total Debtors (%) *Government Bonds in the frame of recapitalization and merger
PT BANK PERMATA TBK
PT BANK PERMATA TBK
KOMITMEN DAN KONTINJENSI KONSOLIDASI
STATEMENT OF COMMITMENTS AND CONTINGENCIES
Per 31 Maret 2005 dan 2004 (Tidak Diaudit )
as of December 31, 2003 and 2002 (Audited)
(dalam jutaan rupiah)
(Rupiah in million) BANK
No
POS - POS
31.03.2005
CONSOLIDATED 31.03.2005 31.03.2004
31.03.2004
DESCRIPTIONS
KOMITMEN
1.
2.
1.
2. 3.
1.
2.
3.
1.
2. 3.
Tagihan Komitmen Fasilitas pinjaman yang diterima dan belum digunakan a. Rupiah b. Valuta asing Lainnya Jumlah Tagihan Komitmen 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
COMMITMENTS
-
-
-
2,653,407 202,857
2,320,063 118,102
2,658,010 202,857
330,675 3,186,939 (3,186,939)
121,063 10,466 2,569,694 (2,569,694)
330,675 3,191,542 (3,191,542)
-
Commitment Receivables Unused Fund Borrowings Facilities a. Rupiah b. Foreign Exchange Others Total Commitment Receivables
Commitment Payables Unused Loan Facilities Granted 2,320,063 a. Rupiah 118,102 b. Foreighn Exhange Outstanding Irrevocable Letters of Credit for 121,063 Import and Export 10,466 Others 2,569,694 Total Commitment Payables (2,569,694) 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
-
-
-
-
26,213 18,859
60,181 15,157 75,338
29,225 18,859 262 48,346
60,181 15,157 75,338
45,072
230,793 113,706 132
86,308 67,392 4,006
230,793 113,706 132
86,308 67,392 4,006
344,631 (299,559)
157,706 (82,368)
344,631 (296,285)
157,706 (82,368)
Contingency Payables Guarantees Issued in the forms of: a. Bank Guarantees - Rupiah - Foreign Currencies b. Others Outstanding Revocable Letters of Credit for Import and Export Others Total Contingency Payables TOTAL NET CONTINGENCIES
PT BANK PERMATA TBK
PT BANK PERMATA TBK
PERHITUNGAN KEWAJIBAN PENYEDIAAN MODAL MINIMUM
CALCULATION OF CAPITAL ADEQUACY RATIO
Per 31 Maret 2005 dan 2004 (Tidak Diaudit )
as of March 31, 2005 and 2004 (Unaudited)
(dalam jutaan rupiah)
(Rupiah in million) POS - POS
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 ( -/- ) - Selisih nilai transaksi restrukturisasi entitas sepengendali 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 (-/-) 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%) C. MODAL PELENGKAP TAMBAHAN YANG MEMENUHI PERSYARATAN D. MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI II. TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B) III. TOTAL MODAL INTI, MODAL PELENGKAP DAN MODAL PELENGKAP TAMBAHAN DIALOKAISKAN UNTUK MENGANTISIPASI RESIKO PASAR (A+B+D) IV. PENYERTAAN ( -/- ) V. TOTAL MODAL UNTUK RESIKO KREDIT ( II - IV ) VI. TOTAL MODAL UNTUK RESIKO KREDIT DAN PASAR ( III - IV ) VII. AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) KREDIT VIII. AKTIVA TERTIMBANG MENURUT RISIKO (ATMR) PASAR IX. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA (V:VII) X. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG TERSEDIA UNTUK RESIKO KREDIT DAN RESIKO PASAR (VI:(VII+VIII)) XI. RASIO KELEBIHAN MODAL PELENGKAP TAMBAHAN ((C-D):(VII+VIII)) XII. RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM YANG DIWAJIBKAN
BANK *) 31.03.2005 31.03.2004
DESCRIPTIONS
2,022,279 1,300,534
1,330,108 1,300,534
9,067,496 (5,000,400) (3,412,212) 66,861 -
9,067,496 (5,690,761) (3,412,212) 65,051 -
-
-
379,195 43,574
338,134 43,574
222,662 112,959 -
154,485 140,075 -
18,608 18,223
-
2,401,474 2,419,697 82,379 2,319,095 2,337,318 17,812,973 320,829 13.0% 12.9%
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 (-/-) - Difference in value arising fr restructuring of entities under common control (-/-) 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 (-/-) 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%) C. TOTAL SUPPLEMENTARY CAPITAL WHICH FULFILL THE REQUIREMENTS D. ADDITIONAL SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATED
1,668,242 II. TOTAL CORE AND SUPPLEMENTARY CAPITAL (A+B) - III. TOTAL CORE, SUPPLEMENTARY CAPITAL AND ADDITIONAL SUPPLEMENTARY CAPITAL OF ANTICIPATED MARKET RISK (A+B+D) 81,619 IV. EQUITY PARTICIPATIONS ( -/- ) 1,586,623 V. TOTAL CAPITAL FOR CREDIT RISK ( II - IV ) - VI. TOTAL CAPITAL FOR CREDIT AND MARKET RISK (III - V) 12,358,790 VII. RISK-WEIGHTED ASSET - VIII. MARKET RISK WEIGHTED ASSET 12.8% IX. CAPITAL ADEQUACY FOR CREDIT RISK RATIO (V:VII) 0.0% X. CAPITAL ADEQUACY OF CREDIT RISK AND MARKET RISK RATIO (VI: (VII+VIII))
0.0% 8.0%
0.0% XI. EXCESS ADDITIONAL SUPPLEMENTARY CAPITAL RATIO ((C-D):(VII+VIII)) 8.0% XII. REQUIRED MINIMUM 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 2005 dan 2004 (Tidak Diaudit )
FINANCIAL RATIO as of March 31, 2005 and 2004 (Unaudited) BANK
No.
RASIO ( % )
31.03.2005
I. Permodalan 1. CAR dengan resiko kredit 2. CAR dengan resiko pasar 3. Aktiva tetap terhadap modal II. Aktiva Produktif 1. Aktiva produktif bermasalah 2. PPAP terhadap aktiva produktif 3. Pemenuhan PPAP 4. NPL - Gross 5. NPL - Net 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
31.03.2004
Capital 12.8% 1. CAR with credit risk 2. CAR with market risk 63.3% 3. Fixed Assets to Capital Earning Assets 3.7% 1. Non-Performing Earning Assets 4.2% 2. Allowance for Earning Assets Losses to Earning Assets 194.5% 3. Compliance of Allowance for Earning Assets Losses 8.3% 4. NPL - Gross 2.6% 5. NPL - Net Rentability 1.8% 1. ROA 39.0% 2. ROE 5.8% 3. NIM 84.3% 4. Operating Expenses to Operating Revenues Liquidity 44.4% LDR Compliance 1. a. Percentage Violation of Legal Lending Limit (LLL) 0.0% a. 1. Related Parties 0.0% a. 2. Non-Related Parties b. Percentage of LLL excess 0.0% b. 1. Related Parties 0.3% b. 2. Non-Related Parties 5.1% 2. Reserve Requirement (Rupiah) 2.8% 3. Net Open Position
13.0% 12.9% 45.4% 2.3% 4.3% 204.9% 3.3% 1.4% 2.5% 26.4% 5.9% 79.3% 69.4%
0.0% 0.0% 0.0% 0.0% 7.1% 5.2%
PENGURUS BANK / MANAGEMENT
RATIO ( % )
PEMILIK BANK / SHAREHOLDERS PT Astra International Tbk
Dewan Komisaris / Board of Commissioners - Komisaris Utama / President Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris / Commissioner - Komisaris Independen / Independent Comm. - Komisaris Independen / Independent Comm. - Komisaris Independen / Independent Comm.
DR. Mulia P. Nasution Rachmat Saptaman DR. Lukita D. Tuwo Mark Edward Hansen Vincent Leo Plant Brian Richard Keelan* Gunawan Geniusahardja DR. Tirta Hidayat Deswandhy Agusman Chandra Purnama
Direksi / Board of Directors - Direktur Utama / President Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur / Director - Direktur Kepatuhan / Compliance Director - Direktur / Director - Direktur / Director
Agus D.W. Martowardojo Hans Jurgen Theilkuhl Daryll John Morton Julius Aslan** Andrew Hardi Hanubrata Ongki Wanadjati Dana Joseph Georgino Godong Elvyn Gahadi Masassya Irman Alvian Zahiruddin Mahdi Syahbuddin
31.55%
Standard Chartered Bank
31.55%
PT Perusahaan Pengelola Aset (PPA) qq. Menteri Keuangan Republik Indonesia
26.16%
Masyarakat Public
10.74%
Jumlah Total
100.00%
* Berlaku efektif setelah mendapat persetujuan Bank Indonesia (Fit and Proper Test) / Effective after approval from Bank Indonesia ** Berlaku efektif sejak yang bersangkutan menyampaikan bukti pelepasan rangkap jabatan / Effectively enters into force as of the time the concern person submits the evidence on relinquishment of the simultaneously held position
PT BANK PERMATA TBK
PT BANK PERMATA TBK
TRANSAKSI VALUTA ASING DAN DERIVATIF Per 31 Maret 2005 dan 2004 (Tidak Diaudit )
FOREIGN EXCHANGE TRANSACTIONS AND DERIVATIVE as of March 31, 2005 and 2004 (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
Others -
232,480
1,879
1,870
-
-
367,865 -
1,558 -
1,518 -
-
-
-
-
-
-
-
-
-
-
-
-
600,345
3,431
3,388
-
Catatan : - Informasi keuangan ini disusun berdasarkan laporan keuangan konsolidasi untuk tiga bulan yang berakhir pada tanggal 31 Maret 2005 dan 2004 (tidak diaudit) serta dilakukan beberapa penyesuaian untuk memenuhi Peraturan Bank Indonesia No. 3/22/PBI/2001 tanggal 13 Desember 2001 tentang transparansi Kondisi Keuangan Bank, Surat Edaran Bank Indonesia No. 3/30/DPNP tanggal 14 Desember 2001 sebagaimana telah diubah dengan surat Edaran Bank Indonesia No. 7/10/DPNP tanggal 31 Maret 2005 perihal Laporan Keuangan Publikasi Triwulanan dan Bulanan Bank Umum serta laporan tertentu yang disampaikan kepada Bank Indonesia, Peraturan No. VIII.G.11 Lampiran Keputusan Bapepam No. Kep-40/PM/2003 tanggal 22 Desember 2003 tentang Tanggung Jawab Direksi atas Laporan Keuangan dan Peraturan No. I-E, Lampiran Keputusan Direksi PT Bursa Efek Jakarta No. kep-306/BEJ/07-2004 tanggal 19 Juli 2004 tentang kewajiban Penyampaian Informasi. - Jardine Matheson Holdings Limited (Bermuda) melalui PT Astra International Tbk, Standard Chartered PLC melalui Standard Chartered Bank dan Negara Republik Indonesia melalui PPA adalah Ultimate shareholder sesuai Peraturan Bank Indonesia No. 5/25/PBI/2003 tanggal 10 November 2003 tentang Penilaian Kemampuan dan Kepatutan (Fit And Proper Test ). - Untuk tujuan perbandingan, beberapa akun dalam informasi keuangan tanggal 31 Maret 2004 telah direklasifikasi agar sesuai dengan penyajian akun didalam informasi keuangan tanggal 31 Maret 2005. - Kurs tukar valuta asing yang digunakan adalah sebagai berikut : Kurs per 31 Maret 2005 : 1 US$ = Rp. 9.471,50 Kurs per 31 Maret 2004 : 1 US$ = Rp. 8.562,50
This financial statement is made based on Consolidated Financial Statements for period of January 1, 2005 to March 31, 2005 and 2004 (unaudited) with several adjustment to comply with Regulation of Bank Indonesia No. 3/22/PBI/2001 dated December 13, 2001 re: Financial Transparency Condition for Banks, Circular Letter of Bank Indonesia No. 3/30/DPNP dated 14 Dec 2001, which altered with circular letter of Bank Indonesia No. 7/10/DPNP dated 31 Maret 2005 re: Quarterly and monthly published financial statements of Commercial Banks . and certain report submitted to Bank Indonesia, Rule No. VIII. G. 11 Attachement to the Decision Letter of Bapepam No. Kep - 40/PM/2003 dated 22 December 2003 re: Director’s responsibility of Financial Report and Rule No. I – E, Attachment of the Decision of Director of PT Bursa Efek Jakarta No. Kep-306/BEJ/07 - 2004 dated July 19, 2004 re: Information Dissemination Compulsory Jardine Matheson Holdings Limited (Bermuda) through PT Astra International Tbk and Standard Chartered PLC through Standard Chartered Bank and Negara Republik Indonesia are the ultimate shareholders, refferring to Regulation of Bank Indonesia No. 5/25/PBI/2003 dated 10 November 2003 re: Fit and Proper Test. For comparation purpose, numbers of account in the financial report for 31 March 2004 have been reclassified to conform with the financial report for 31 March 2005. - The exchange rates: 31 March 2005 31 March 2004
: 1 USD = Rp. 9,471.50 : 1 USD = Rp. 8,562.5
(Rupiah in million) Contract Value with Netting Agreement
Derivative Receivables and Payables Receivables Payables
