PT BANK ANZ INDONESIA ANZ TOWER Jl. Jend. Sudirman Kav. 33a Jakarta

PT BANK ANZ INDONESIA ANZ TOWER Jl. Jend. Sudirman Kav. 33a Jakarta 10220 www.anz.co.id

Informasi Kuantitatif Eksposur Risiko Quantitative Information of Risk Exposures Posisi 30 Juni 2017 As at 30 June 2017

Tabel 1.a Pengungkapan Kuantitatif Struktur Permodalan Table 1.a Quantitative Disclosure of Capital Structure Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/ 30 June 2017

KOMPONEN MODAL CAPITAL COMPONENT

Bank I

KOMPONEN MODAL CAPITAL COMPONENT Modal Inti A Core Capital Modal disetor 1 Paid in Capital Cadangan Tambahan Modal 2 Additional Capital Reserves Modal Inovatif 3 Innovative Capital Faktor Pengurang Modal Inti 4 Factor Reducing Core Capital Kepentingan Non Pengendali 5 Non Controling Interest

B

Modal Pelengkap Suplementary Capital Level Atas 1 Upper Tier 2 Level Bawah (Lower Tier 2) maksimum 50% Modal Inti 2 Lower Tier 2 maximum 50% of Core Capital Faktor Pengurang Modal Pelengkap 3 Factor Reducing Supplementary Capital

Faktor Pengurang Modal Inti dan Modal Pelengkap Factor Reducing Core Capital and Supplementary Capital Eksposur Sekuritisasi Securitization Exposure Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) D Additional Suplementary Capital that Satisfies Requirement (Tier 3) Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko Pasar E Additional Suplementary Capital which is Allocated To Anticipate Market Risk

6,311,421 1,650,000 5,144,440 -

483,019 -

225,008 225,008 -

C

TOTAL MODAL INTI DAN MODAL PELENGKAP (A + B - C) TOTAL CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A + B - C) III TOTAL MODAL INTI, MODAL PELENGKAP,DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR (A + B - C + E) TOTAL CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONALLY SUPPLEMENTARY CAPITAL ALLOCATED TO ANTICIPATE MARKET RISK (A + B - C + E) ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT IV RISK WEIGHTED ASSETS (RWA) FOR CREDIT RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL V RISK WEIGHTED ASSETS (RWA) FOR OPERTIONAL RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR VI RISK WEIGHTED ASSETS (RWA) FOR MARKET RISK Metode Standar A Standard Approach Metode Internal B Internal Approach VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III : (IV + V + VI)] CAPITAL ADEQUACY RATIO - CREDIT RISK, OPERATIONAL RISK AND MARKET RISK [III : (IV + V + VI)] II

-

6,536,429

6,536,429

20,969,331 6,955,317

1,394,016 -

22.30%

Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual Table 2.1.a Net Amount Based On Geography - Bank Only Dalam Jutaan Rupiah/In Million Rp

No.

1 2

3

4 5 6 7 8 9 10 11 12

Kategori Portofolio Portfolio Category Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank Claims on Bank Kredit Beragun Rumah Tinggal Claims Secured by Residential Property Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi Claims on Corporate Tagihan yang Telah Jatuh Tempo Past Due Claims Aset Lainnya Other Assets Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Jumlah Total

Keterangan/Remark : Wilayah 1/Zone 1 : DKI Jakarta Wilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and Banten Wilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/ Central Java, East Java and Bali Wilayah 4/Zone 4 : Sumatera Wilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua

Wilayah 1 Zone 1

Wilayah 2 Zone 2

30 Juni 2017/30 June 2017 Tagihan bersih berdasarkan wilayah Net Amount Based on Geography Wilayah 3 Wilayah 4 Wilayah 5 Zone 3 Zone 4 Zone 5

Jumlah Total

6,184,178

-

-

-

-

6,184,178

1,358,113

-

-

1,112

3,431

1,362,656

-

-

-

-

-

-

-

-

-

2,989,519

-

-

1,070,095

-

2,989,519 528,989

308,112

232,994

-

-

-

-

-

-

-

-

-

-

-

-

3,296,132

1,334,584

1,284,685

576,140

300,486

6,792,027

10,343,494

2,030,664

340,334

45,237

58,619

12,818,348

244,015

52,319

64,478

26,546

13,683

401,041

663,527

15,137

58,784

17,053

7,216

761,717

-

-

-

-

25,607,967

3,740,816

1,981,275

666,088

383,435

32,379,581

Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual Table 2.2.a Disclosure on Net Amount Based on Contractual Remaining Maturity - Bank Only Dalam Jutaan Rupiah/ In Million Rp

Kategori Portofolio Portfolio Category

No.

≤ 1 tahun ≤ 1 year

1

Tagihan Kepada Pemerintah Claims on Sovereign

2

Tagihan Kepada Entitas Sektor Publik Claims on Public Sector

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution

-

4

Tagihan Kepada Bank Claims on Bank

-

5

Kredit Beragun Rumah Tinggal Claims Secured by Residential Property

Kredit Beragun Properti Komersial 6 Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan 7 Employee Loan/Pension 8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and Retail Portfolio

Tagihan kepada Korporasi 9 Claims on Corporate Tagihan yang Telah Jatuh Tempo 10 Past Due Claims 11

Aset Lainnya Other Assets

Eksposur di Unit Usaha Syariah (apabila ada) 12 Exposures at Shariah Unit (if any) Jumlah Total

-

>1 thn s.d. 3 thn >1 yr to 3 yrs

30 Juni 2017/30 June 2017 Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Amount Based on Contractual Remaining Maturity >3 thn s.d. 5 thn > 5 thn Non-Kontraktual >3 yrs to > 5 yrs Non-Contractual 5 yrs

2,977,446

883,831

1,205,138

3,431

-

-

1,362,656

-

-

-

-

594,156

16,589

19,681

-

9,708

54,697

1,005,690

-

-

-

-

-

-

154,087

-

487,665

-

-

-

-

-

-

2,211,124

493,574

631,646

7,359,576

3,492,715

1,334,411

124,227

58,851

73,783

45,619

-

-

-

-

-

-

-

-

6,736,170

2,989,519 1,070,095

1,290,990

13,495,865

2,359,093

6,184,178

-

9,399

919,359

1,835,236

Jumlah Total

3,386,640

2,786,940 -

6,792,027 12,818,348

98,561

401,041

761,717

761,717

7,841,547

32,379,581

Tabel 2.3.a Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual Table 2.3.a Disclosure on Net Amount Based on Economic Sector - Bank Only Dalam Jutaan Rupiah/ In Million Rp

No.

1 2 3 4 5 6 7 8 9 10 11 12 13 14

Sektor Ekonomi Economic Sector

30 Juni 2017/30 June 2017 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Excavation Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Whosale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Accommodation and Food Providers Transportasi, pergudangan dan komunikasi Transportation, Warehouse and Communication Perantara keuangan Financial Brokerage Real estate, usaha persewaan dan jasa perusahaan 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 lainnya 15 Social Services, Social Culture, Entertainment and Individual Services 16 17 18 19 20

Jasa perorangan yang melayani rumah tangga Individual Services for Housing Badan internasional dan badan ekstra internasional lainnya International Agency and Other International Extra Agency Kegiatan yang belum jelas batasannya Other Services Bukan Lapangan Usaha Non Business Activity Lainnya Others Jumlah Total

Tagihan Kepada Bank Tagihan Kepada Pembangunan Kredit Beragun Tagihan Kepada Entitas Sektor Multilateral dan Tagihan Kepada Rumah Tinggal Pemerintah Publik Lembaga Internasional Bank Claims Secured Claims on Claims on Claims on Multilateral Claims on Bank by Residential Sovereign Development Bank and Property Public Sector International Institution

Kredit Beragun Properti Kredit Komersial Pegawai/Pensiu nan Employee Claims Secured by Commercial Loan/Pension Real Estate

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tagihan kepada Tagihan yang Telah Jatuh Korporasi Claims on Tempo Corporate Past Due Claims

40,260 -

-

1,072,760

-

-

-

-

-

-

1,457,429

-

3,431

-

-

-

-

-

1,387

6,598,671

-

-

-

-

-

-

-

-

-

160,385

109,887

-

-

-

-

-

402

362,627

-

-

-

-

-

1,530

1,193,644

-

Aset Lainnya Other Assets

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

-

-

-

-

-

-

122,394

-

-

2,861

-

-

-

-

-

-

-

-

1,809

-

-

-

-

-

-

-

-

-

-

10,663

-

-

-

-

3,520

-

-

-

-

-

-

1,363,892

-

-

-

-

80,554

-

-

-

-

119

869,369

-

-

-

-

-

-

-

569,518

-

-

-

6,184,178

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,362,656

-

-

-

6,184,178

42,006

-

2,904,883

-

84,636

2,989,519

1,070,095 1,070,095

6,788,589 6,792,027

22,774

219,614 12,818,348

279,699 401,041

761,717

-

761,717

-

Tabel Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar Table Market Risk under the Standardized Approach Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/ 30 June 2017 No.

1

2 3 4 5

Jenis Risiko Type of Risk Risiko Suku Bunga Interest Rate Risk Risiko Spesifik a. Specific Risk Risiko Umum b. General Risk Risiko Nilai Tukar Foreign Exchange Risk Risiko Ekuitas Equity Risk Risiko Komoditas Commodity Risk Risiko Option Option Risk Jumlah Total

Bank Beban Modal Capital Charge

ATMR RWA -

-

-

-

90,316

1,128,952

21,205

265,065

-

-

111,521

1,394,016

Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual Table Operational Risk under Basic Indicator Approach - Bank Only Dalam Jutaan Rupiah/ In Million Rp

30 Juni 2017/ 30 June 2017

No.

1

Pendekatan Yang Digunakan Approach

Pendekatan Indikator Dasar Basic Indicator Approach Jumlah Total

Pendapatan Bruto (Rata-rata 3 tahun terakhir) Gross Income (Average of last 3 years)

Beban Modal Capital Charge

ATMR RWA

3,709,502

556,425

6,955,317

3,709,502

556,425

6,955,317

Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual Table 2.4.a - Disclosure on Gross Financial Assets and Provision Based on Geography - Bank Only Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/30 June 2017 No.

Keterangan Description

Wilayah Geography Wilayah 4 Wilayah 5 Zone 4 Zone 5

Wilayah 1 Zone 1

Wilayah 2 Zone 2

Wilayah 3 Zone 3

22,588,117

3,673,810

1,858,935

622,998

362,628

29,106,488

a. Belum jatuh tempo/Current

12,832

607

1,880

714

85

16,118

b. Telah jatuh tempo/Past Due

455,075

507,157

133,326

29,901

15,382

1,140,841

3

Cadangan kerugian penurunan nilai (CKPN) - Individual Individual Impairment Provision

364,078

469,451

61,457

-

-

894,986

4

Cadangan kerugian penurunan nilai (CKPN) - Kolektif Portfolio Impairment Provision

565,138

147,333

152,000

67,660

35,898

968,029

345,490

117,414

18,392

6,754,405

1

Tagihan Gross Financial Assets

2

Tagihan yang mengalami penurunan nilai (impaired ) Impaired Assets

Tagihan yang dihapus buku 6,169,213 103,896 Write Off Assets Keterangan/Remark : Wilayah 1/Zone 1 : DKI Jakarta Wilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and Banten Wilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/Central Java, East Java and Bali Wilayah 4/Zone 4 : Sumatera Wilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua 5

Jumlah Total

Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual Table 2.5.a Disclosure on Gross Financial Assets and Provision Based on Economic Sector - Bank Only Dalam Jutaan Rupiah/In Million Rp

Tagihan yang Mengalami Penurunan Nilai Impaired Assets No.

1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20

Sektor Ekonomi Economic Sector

30 Juni 2016/30 June 2016 Pertanian, perburuan dan Kehutanan Agriculture, Hunting and Forestry Perikanan Fishery Pertambangan dan Penggalian Mining and Excavation Industri pengolahan Manufacturing Listrik, Gas dan Air Electricity, Gas and Water Konstruksi Construction Perdagangan besar dan eceran Whosale and Retail Trading Penyediaan akomodasi dan penyediaan makan minum Accommodation and Food Providers Transportasi, pergudangan dan komunikasi Transportation, Warehouse and Communication Perantara keuangan Financial Brokerage Real estate, usaha persewaan dan jasa perusahaan 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 lainnya Social Services, Social Culture, Entertainment and Individual Services Jasa perorangan yang melayani rumah tangga Individual Services for Housing Badan internasional dan badan ekstra internasional lainnya International Agency and Other International Extra Agency Kegiatan yang belum jelas batasannya Other Services Bukan Lapangan Usaha Non Business Activity Lainnya Others Jumlah Total

Tagihan Gross Financial Assets

Belum Jatuh Tempo Current

Telah jatuh tempo Past Due

Cadangan Kerugian Cadangan kerugian Penurunan Nilai (CKPN)- penurunan nilai (CKPN) Individual - Kolektif Individual Impairment Portfolio Impairment Provision Provision

Tagihan yang dihapus buku Write Off

40,260

-

-

-

42

-

-

-

-

-

-

-

2,530,190

-

260,540

250,969

87,093

-

6,603,490

-

477,084

501,767

50,414

-

109,887

-

-

55,549

-

-

363,029

-

-

-

2,408

-

1,355,558

-

85,029

83,220

11,317

187,513

10,663

-

-

-

6

-

1,367,412

-

-

-

22,142

9,037

3,854,924

-

-

-

4,669

-

569,518

-

-

320

2,835

-

3,808,829

-

-

-

2

-

-

-

-

-

-

-

-

-

-

-

-

-

22,774

-

-

-

14

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

3,162

787,087

-

-

-

6,557,855

894,987

968,029

6,754,405

7,844,525 625,429 29,106,488

16,118 16,118

318,188 1,140,841

Tabel 2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual Table 2.6.a Disclosure on Detail of Impairment Provision Movement - Bank Only Dalam Jutaan Rupiah/In Million Rp

No.

30 Juni 2017/ 30 June 2017

Keterangan Description

Saldo awal CKPN Beginning Balance of Impairment Provision Pembentukan (pemulihan) CKPN pada periode berjalan (Net) 2 Charge (Release) of Impairment Provision for the Current Year (Net) Pembentukan CKPN pada periode berjalan 2.a Charge of Impairment Provision for the Current Year (Net) Pemulihan CKPN pada periode berjalan 2.b Release of Impairment Provision for the Current Year (Net) CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan 3 Impairment Provision for Write Off Current Year Pembentukan (pemulihan) lainnya pada periode berjalan 4 Other Charge (Release) for the Current Year Saldo akhir CKPN Ending Balance of Impairment Provision

CKPN Individual Individual Impairment Provision

1

1,175,431

200,602 -

CKPN Kolektif Portfolio Impairment Provision 1,090,727

135,856 -

-

304,597 -

111,810

-

43,703 -

7,778

1,027,733

835,283

Tabel 3.1.a Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual Table 3.1.a Disclosure on Net Amount based on Portfolio Category and Rating - Bank Only Dalam Jutaan Rupiah/ In Million Rp

30 Juni 2017/30 June 2017 Tagihan Bersih/Net Amount Lembaga Pemeringkat Rating Agency

No.


AA+ s.d AAAA+ to AA-

A+ s.d AA+ to A-

BBB+ s.d BBBBBB+ to BBB-

BB+ s.d BBBB+ to BB-

B+ s.d BB+ to B-

Fitch Rating

AAA

AA+ s.d AAAA+ to AA-

A+ s.d AA+ to A-

BBB+ s.d BBBBBB+ to BBB-

BB+ s.d BBBB+ to BB-

Aaa

Aa1 s.d Aa3 Aa1 to Aa3

A1 s.d A3 A1 to A3

Baa1 s.d Baa3 Baa1 to Baa3

Ba1 s.d Ba3 Ba1 to Ba3

AA+(idn) s.d AA-(idn) AA+(idn) to AA-(idn) [Idr]AA+ s.d [Idr]AA[Idr]AA+ to [Idr]AAidAA+ s.d idAAidAA+ to idAA-

A+(idn) s.d. A-(idn) A+(idn) to A-(idn) [Idr]A+ s.d [Idr]A[Idr]A+ to [Idr]AidA+ s.d id AidA+ to idA-

BBB+(idn) s.d BBB-(idn) BBB+(idn) to BBB-(idn) [Idr]BBB+ s.d [Idr]BBB[Idr]BBB+ to [Idr]BBBid BBB+ s.d id BBBid BBB+ to id BBB-

BB+(idn) s.d BB-(idn) BB+(idn) to BB-(idn) [Idr]BB+ s.d [Idr]BB[Idr]BB+ to [Idr]BBid BB+ s.d id BBid BB+ to id BB-

PT. Fitch Ratings Indonesia

AAA (idn)

PT ICRA Indonesia

[Idr]AAA

PT Pemeringkat Efek Indonesia Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2 Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral 3 dan Lembaga Internasional Tagihan Kepada Bank 4 Claims on Bank Kredit Beragun Rumah Tinggal 5 Claims Secured by Residential Property Kredit Beragun Properti Komersial 6 Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan 7 Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan 8 Portofolio Ritel Tagihan kepada Korporasi 9 Claims on Corporate Tagihan yang Telah Jatuh Tempo 10 Past Due Claims Aset Lainnya 11 Other Assets Eksposur di Unit Usaha Syariah (apabila ada) 12 Exposures at Sharia Unit (if any) JUMLAH TOTAL

Peringkat Jangka Pendek Short Term Rating

AAA

Moody's

1

Peringkat Jangka panjang Long Term Rating

Standard and Poor's

idAAA

Kurang dari BBelow B-

A-1

A-2

A-3

Kurang dari A-3 Below A-3

B+ s.d BB+ to B-

Kurang dari BBelow B-

F1+ s.d F1 F1+ to F1

F2

F3

Kurang dari F3 Below F3

B1 s.d B3 BI to B3

Kurang dari B3 Below B3

P-3

Kurang dari P-3 Below P-3

B+(idn) s.d B-(idn) B+(idn) to B-(idn) [Idr]B+ s.d [Idr]B[Idr]B+ to [Idr]Bid B+ s.d id Bid B+ to id B-

Kurang dari B-(idn) Below B-(idn) Kurang dari [Idr]BBelow [Idr]BKurang dari idBBelow idB-

P-1

P-2

F1+(idn) s.d F1(idn) F1+(idn) to F1(idn) [Idr]A1+ s.d [Idr]A1 [Idr]A1+ to [Idr]A1

F2(idn)

F3(idn)

[Idr]A2+ s.d A2 [Idr]A2+ to A2

idA1

idA2

[Idr]A3+ s.d [Idr] A3 [Idr]A3+ to [Idr] A3 idA3 s.d id A4 idA3 to id A4

Tanpa Peringkat Unrated

Jumlah Total

Kurang dari F3(idn) Below F3(idn) Kurang dari [Idr]A3 Below [Idr]A3 Kurang dari idA4 Below idA4

-

-

-

-

-

-

-

-

-

-

-

6,184,178

6,184,178

-

-

80,554

-

-

-

-

-

-

-

-

1,282,102

1,362,656

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

87,425

2,989,518

-

-

-

-

-

-

11,926,860

12,818,350

-

2,369,792

217,731

303,417

11,153

-

751,076

19,697

10,830

109,887

-

-

-

3,120,868

317,982

314,247

121,040

-

-

-

-

-

-

-

-

-

-

-

-

19,480,565

23,354,702

Tabel 3.2.a Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif Table 3.2.a Disclosure on Counterparty Credit Risk : Derivative Transactions Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/30 June 2016

No.

Variabel yang Mendasari Underlying Financial Instrument

BANK SECARA INDIVIDUAL BANK ONLY Suku Bunga 1 Interest Rate Nilai Tukar 2 Foreign Exchange Lainnya 3 Others JUMLAH TOTAL

≤ 1 tahun ≤ 1 year

9,328,644 -

Nilai Notional Notional Amount > 1 tahun - ≤ 5 tahun > 1 year - ≤ 5 years

9,854,578

≥ 5 tahun ≥ 5 years

1,466,080

Tagihan Derivatif Derivative Receivable

Kewajiban Derivatif Derivative Payable

Tagihan Bersih sebelum MRK Net Amount Before CRM

MRK (Mitigasi Risiko Kredit) CRM (Credit Risk Mitigation)

Tagihan Bersih setelah MRK Net Amount After CRM

53,769

48,306

53,769

-

53,769

22,515,878

-

105,392

136,671

105,392

-

105,392

5,775,789

6,021,865

-

157,522

125,781

157,522

-

157,522

15,104,433

38,392,321

316,683

310,758

316,683

1,466,080

-

316,683

Tabel 3.2.c Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara Individual Table 3.2.c Disclosure on Counterparty Credit Risk : Reverse Repo Transactions - Bank Only Dalam Jutaan Rupiah/ In Million Rp

30 Juni 2017/ 30 June 2017 No.

1 2

3

4 5 6 7


Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank Claims on Bank Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi Claims on Corporate Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) JUMLAH/TOTAL

Tagihan Bersih/ Net Amount

Tagihan Bersih setelah MRK/ Net Amount After CRM

Nilai MRK/ CRM Amount

ATMR setelah MRK/ RWA After CRM

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual Table 4.1.a Disclosure on Net Amount based on Risk Weight After Credit Risk Mitigation - Bank Only Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/ 30 June 2017 Kategori Portofolio Portfolio Category

No.

A 1 2 3 4 5 6 7 8 9 10 11 12

20%

1 2 3 4 5 6 7 8 9 10 11

Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank Claims on Bank Kredit Beragun Rumah Tinggal Claims Secured by Residential Property Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi Claims on Corporate Tagihan yang Telah Jatuh Tempo Past Due Claims Aset Lainnya Other Assets Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any)

Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif Off Balance Sheet Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank Claims on Bank Kredit Beragun Rumah Tinggal Claims Secured by Residential Property Kredit Beragun Properti Komersial Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi Claims on Corporate Tagihan yang Telah Jatuh Tempo Past Due Claims Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any) Total Eksposur TRA Total Off Balance Sheet

C 1 2 3 4 5 6 7

35%

40%

45%

50%

75%

100%

Beban Modal Capital Charge

Lainnya Others

150%

Eksposur Neraca On Balance Sheet -

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

87,245

-

-

-

-

87,245

6,980

-

-

-

-

-

-

-

-

-

-

-

-

-

-

41,166

-

-

-

-

571,887

45,751

-

-

-

-

-

385,166

30,813 -

-

530,721

-

300,106

85,060

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

5,091,329

407,306

-

-

-

-

-

3,048

-

-

-

-

-

-

-

38,977

-

-

-

-

-

-

-

595,755

-

-

-

-

-

-

-

Total Eksposur Neraca Total On Balance Sheet B

ATMR RWA

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Amount after Credit Risk Mitigation 0%

-

530,721

300,106

85,060

-

5,091,329

131,459

10,719,359

-

5,091,329

543,096 -

11,354,091

-

10,722,407

857,793

-

582,073

46,566

-

595,755

47,660

-

543,096

-

Total Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk

-

18,035,862

1,442,869

-

-

-

-

-

-

-

-

-

-

-

-

820,462

65,637

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

76,482

-

-

-

3,191

-

-

-

1,542,771

123,422

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,363,233

189,059

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

820,462

1,463,098

-

76,482

-

-

-

823,653

-

1,463,098

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

32,360

-

-

-

-

32,360

2,589

-

-

-

-

-

-

-

-

-

-

-

-

-

75,349

87,159

-

30,540

-

-

193,048

15,444

-

-

-

-

-

-

571

-

-

-

571

46

-

-

-

-

-

-

-

344,257

344,257

27,541

Eksposur akibat Kegagalan Pihak Lawan Counterparty Credit Risk Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank Claims on Bank Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi Claims on Corporate Eksposur di Unit Usaha Syariah (apabila ada) Exposures at Sharia Unit (if any)

-

-

-

-

-

-

-

-

-

-

-

-

-

-

75,349

-

-

-

119,519

571

374,797

-

-

570,236

45,620

Tabel Pengungkapan Tagihan Bersih Dan Teknik Mitigasi Risiko Kredit - Bank secara Individual Table Net Amount and Credit Risk Mitigation Technique - Bank Only Dalam Jutaan Rupiah/In Million Rp

No.


Eksposur Neraca On Balance Sheet Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2 Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank 4 Claims on Bank Kredit Beragun Rumah Tinggal 5 Claims Secured by Residential Property Kredit Beragun Properti Komersial 6 Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan 7 Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8 Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi 9 Claims on Corporate Tagihan yang Telah Jatuh Tempo 10 Past Due Claims Aset Lainnya 11 Other Assets Eksposur di Unit Usaha Syariah (apabila ada) 12 Exposures at Sharia Unit (if any) Total Eksposur Neraca Total On Balance Sheet Eksposur Rekening Adminsitratif B Off Balance Sheet Tagihan Kepada Pemerintah 1 Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2 Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank 4 Claims on Bank Kredit Beragun Rumah Tinggal 5 Claims Secured by Residential Property Kredit Beragun Properti Komersial 6 Claims Secured by Commercial Real Estate Kredit Pegawai/Pensiunan 7 Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8 Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi 9 Claims on Corporate Tagihan yang Telah Jatuh Tempo 10 Past Due Claims Eksposur di Unit Usaha Syariah (apabila ada) 11 Exposures at Sharia Unit (if any) Total Eksposur Rekening Administratif Total Off Balance Sheet Eksposur akibat Kegagalan Pihak Lawan C Counterparty Credit Risk Tagihan Kepada Pemerintah 1 Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2 Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional 3 Claims on Multilateral Development Bank and International Institution Tagihan Kepada Bank 4 Claims on Bank Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 5 Claims on Micro and Small Enterprise and retail Portfolio Tagihan kepada Korporasi 6 Claims on Corporate Eksposur di Unit Usaha Syariah (apabila ada) 7 Exposures at Sharia Unit (if any) Total Eksposur Akibat Kegagalan Pihak Lawan Counterparty Credit Risk Jumlah (A+B+C) Total (A+B+C)

Tagihan Bersih Net Amount

30 Juni 2017/ 30 June 2017 Bagian Yang Dijamin Dengan/Secured by Asuransi Kredit Agunan Garansi Credit Cash Collateral Guarantee Insurance

Bagian Yang Tidak Dijamin Unsecured Exposure

Lainnya Others

A 1

6,184,178

-

-

-

6,184,178

174,490

-

-

-

174,490

-

-

-

-

2,835,933

100,000

-

-

2,735,933

1,070,095

-

-

-

1,070,095

-

-

-

-

-

-

-

-

6,791,906

3,467

-

-

6,788,439

10,763,160

249,567

-

-

10,513,593

401,041

-

-

-

761,717

-

-

-

-

401,041 761,717

-

-

-

-

28,982,520

353,034

-

-

-

1,640,923

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,064,925

233,407

-

-

-

-

-

-

-

-

-

-

-

28,629,486

-

3,705,848.00

233,407.00

0.00

0.00

1,640,923

1,831,518 0.00

3,472,441 6,944,882

10,733

-

-

-

64,718

-

-

-

-

-

-

-

581,596

-

-

-

581,596

761

-

-

-

761

344,257

-

-

-

344,257

-

-

-

-

1,002,065

-

-

-

-

1,002,065

-

33,690,433

586,441

-

-

-

33,103,992

Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual Credit RWA Calculation under Standardized Approach - Bank Only Tabel Pengungkapan Eksposur Aset di Neraca Table Asset Exposure on Balance Sheet Dalam Jutaan Rupiah/ In Million Rp

30 Juni 2017/ 30 June 2017 No.


Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2. Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga 3. Internasional Tagihan Kepada Bank 4. Claims on Banks Kredit Beragun Rumah Tinggal 5. Claims Secured by Residential Property Kredit Beragun Properti Komersial 6. Claims Secured by Residential Property Kredit Pegawai/Pensiunan 7. Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8. Claims on Micro and Small Enterprise and retail Portfolio Tagihan Kepada Korporasi 9. Claims on Corporate Tagihan yang Telah Jatuh Tempo 10. Past Due Claims Aset Lainnya 11. Other Assets JUMLAH TOTAL

1.


ATMR Sebelum MRK RWA Before CRM

6,184,178 174,490 -

ATMR Setelah MRK RWA After CRM

-

-

87,245

87,245

-

-

2,835,933

591,887

571,887

1,070,095

385,166

385,166

-

-

-

-

-

-

6,791,906

5,093,930

5,091,329

10,763,160

10,760,112

10,546,602

401,041

582,073

582,073

761,717 28,982,520

-

595,755

17,500,413

17,860,057

Tabel Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif Table Exposure on Commitment/Contingent Liabilities in Administrative Accounts Dalam Jutaan Rupiah/In Million Rp 30 Juni 2017/30 June 2017 No.


Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2. Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga 3. Internasional Tagihan Kepada Bank 4. Claims on Banks Kredit Beragun Rumah Tinggal 5. Claims Secured by Residential Property Kredit Beragun Properti Komersial 6. Claims Secured by Residential Property Kredit Pegawai/Pensiunan 7. Employee Loan/Pension Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 8. Claims on Micro and Small Enterprise and retail Portfolio Tagihan Kepada Korporasi 9. Claims on Corporate Tagihan yang Telah Jatuh Tempo 10. Past Due Claims JUMLAH TOTAL 1.




-

-

-

1,640,923

820,462

820,462

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2,064,925

1,755,805

1,542,771

-

-

-

3,705,848

2,576,267

2,363,233

14

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Table Counterparty Credit Risk Dalam Jutaan Rupiah/In Million Rp 30 Juni 2017/30 June 2017 No.


Tagihan Kepada Pemerintah Claims on Sovereign Tagihan Kepada Entitas Sektor Publik 2. Claims on Public Sector Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga 3. Internasional Tagihan Kepada Bank 4. Claims on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 5. Claims on Micro and Small Enterprise and retail Portfolio Tagihan Kepada Korporasi 6. Claims on Corporate JUMLAH TOTAL

1.




10,733

-

-

64,718

32,360

32,360

-

-

-

581,596

193,048

193,048

761

571

571

344,257

344,257

344,257

1,002,065

570,236

570,236

Tabel Pengungkapan Total Pengukuran Risiko Kredit Table Total Credit Risk Dalam Jutaan Rupiah/ In Million Rp

30-Jun-17 TOTAL TOTAL TOTAL TOTAL

ATMR RISIKO KREDIT RWA CREDIT RISK FAKTOR PENGURANG MODAL CAPITAL DEDUCTION FACTOR

20,793,526 -

15

Tabel Pengungkapan Profil Maturitas Rupiah - Bank Secara Individual Table Maturity Profile Rupiah - Bank Only Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/ 30 June 2017 Pos-Pos Account

No.

I

Saldo Balance

NERACA ON BALANCE SHEET Aset A Asset Kas 1. Cash Penempatan pada Bank Indonesia 2. Placement to BI Penempatan pada Bank Lain 3. Placement to Other Banks Surat Berharga 4. Marketable Securities Kredit yang Diberikan 5. Loans Tagihan Lainnya 6. Other Receivables Lain-lain 7. Others Total Aset Total Asset Kewajiban B Liabilities Dana Pihak Ketiga 1. Third Party Funds Kewajiban pada Bank Indonesia 2. Liabilities to BI Kewajiban pada Bank Lain 3. Liabilities to Other Banks Surat Berharga yang Diterbitkan 4. Issued Marketable Securities Pinjaman yang Diterima 5. Borrowing Kewajiban Lainnya 6. Other Liabilities Lain-lain 7. Others Total Kewajiban Total Liabilities

II

>12 bln >12 months

120,862

-

-

-

875,619

-

-

-

-

39,618

39,618

-

-

-

-

4,749,451

28,757

12,502,164

5,650,324

-

893,098

505,860

3,321,736

377,534

1,037,668

5,113,924

1,763

-

-

-

11,647

-

70,643

2,508

66,372

149,833

204,232

18,724,069

6,867,521

593,318

1,272,395

1,555,175

9,556,782

4,946,577

3,861,135

680,299

-

377,801 -

8,435,660

68,771

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

365,927

297,625

66,611

1,691

-

709,361

54,846

278,626

11,009,871

5,676,849

4,206,372

1,190,672 -

3,613,054

7,714,198

-

-

322,714

365,712

-

Kewajiban Rekening Administratif Off Balance Sheet Payable Komitmen 1. Commitment Kontinjensi 2. Contigent Total Kewajiban Rekening Administratif Total Off Balance Sheet Payable

>6 bln s.d. 12 bln >6 moths to 12 months

875,619

377,801

REKENING ADMINISTRATIF OFF BALANCE SHEET Tagihan Rekening Administratif A Off Balance Sheet Receivable Komitmen 1. Commitment Kontinjensi 2. Contigent Total Tagihan Rekening Administratif Total Off Balance Sheet Receivable


120,862

-

Selisih Aset dengan Kewajiban dalam Neraca Asset - Liabilities

>1 bln s.d. 3 bln >1 moth to 3 months

≤ 1 bulan ≤ 1 month

-

-

262,827

113,062

681,990

331,598

113,062

590,405

1,223,577

8,322,598

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

B

Selisih Tagihan dan Kewajiban dalam Rekening Administratif Off Balance Sheet Receivable - Off Balance Sheet Payable Selisih (IA-IB)+(IIA-IIB) Difference (IA-IB)+(IIA-IIB) Selisih Kumulatif Cummulative Difference

326,585 13,257

-

21,810

132,575

-

-

-

-

-

13,257

132,575

-

-

185,457

-

-

-

339,842

21,810

339,842.0 -

21,810.0 -

132,575.0

1,168,862 -

3,745,629

7,374,356

-

1,168,862.0

-

2,576,767.0

590,405

-

1,986,362.0

-

172,200

-

185,457

1,223,577

8,137,141

762,785.0

7,374,356

Tabel Pengungkapan Profil Maturitas Valas - Bank Secara Individual Table Maturity Profile Foreign Currency - Bank Only Dalam Jutaan Rupiah/In Million Rp

30 Juni 2017/ 30 June 2017 Pos-Pos Account

No.

I

Saldo Balance

NERACA ON BALANCE SHEET Aset A Asset Kas 1. Cash Penempatan pada Bank Indonesia 2. Placement to BI Penempatan pada Bank Lain 3. Placement to Other Banks Surat Berharga 4. Marketable Securities Kredit yang Diberikan 5. Loans Tagihan Lainnya 6. Other Receivables Lain-lain 7. Others Total Aset Total Asset Kewajiban Liabilities Dana Pihak Ketiga 1. Third Party Funds Kewajiban pada Bank Indonesia 2. Liabilities to BI Kewajiban pada Bank Lain 3. Liabilities to Other Banks Surat Berharga yang Diterbitkan 4. Issued Marketable Securities Pinjaman yang Diterima 5. Borrowing Kewajiban Lainnya 6. Other Liabilities Lain-lain 7. Others Total Kewajiban Total Liabilities

≤ 1 bulan ≤ 1 month


>1 bln s.d. 3 bln >3 bln s.d. 6 bln >1 moth to >3 moths to 3 months 6 months

>12 bln >12 months

45,102

45,102

-

-

-

-

1,626,016

1,626,016

-

-

-

-

2,611,169

2,611,169

-

-

-

-

75,197

19,526

45,115

-

10,556

-

6,442,676

916,300

209,396

242,316

923,631

4,151,033

1,132,667

289,058

507,051

155,138

71,105

110,316

30,361

29,135

1,146

11,963,188

5,536,305

762,708

397,454

1,005,371

4,261,349

9,640,824

8,453,259

613,848

458,670

86,059

28,988

-

80

-

B

710,356

-

-

-

-

-

-

-

-

-

-

-

-

-

-

281,221

503,798

185,086

-

53,912

102,679

222,791

8,583

166,520

18,033

29,655

11,700,666

9,329,495

1,408,090

661,789

169,625

131,667

264,334

835,746

4,129,681

2,606,411

2,898,880

-

13,960,709

3,793,189

-

5,664,481

-

Kewajiban Rekening Administratif Off Balance Sheet Payable Komitmen 1. Commitment Kontinjensi 2. Contigent Total Kewajiban Rekening Administratif Total Off Balance Sheet Payable

123,924

-

-

262,522

REKENING ADMINISTRATIF OFF BALANCE SHEET Tagihan Rekening Administratif A Off Balance Sheet Receivable Komitmen 1. Commitment Kontinjensi 2. Contigent Total Tagihan Rekening Administratif Total Off Balance Sheet Receivable

-

586,432

1,126,696

Selisih Aset dengan Kewajiban dalam Neraca Asset - Liabilities

II

-

645,382

-

2,790,937

-

-

-

-

-

-

-

13,960,709

5,664,481

2,790,937

2,606,411

2,898,880

-

13,406,277

5,781,834

2,483,727

2,398,947

1,837,425

16,847

475,943

5,781,834

2,500,573

2,874,890

1,837,425

290,364

-

268,479

1,061,455

1,897,201

3,107,304

2,901,173

206,131

B

Selisih Tagihan dan Kewajiban dalam Rekening Administratif Off Balance Sheet Receivable - Off Balance Sheet Payable Selisih (IA-IB)+(IIA-IIB) Difference (IA-IB)+(IIA-IIB) Selisih Kumulatif Cummulative Difference

610,822

-

14,017,100

-

56,391

-

117,353

206,131

-

3,910,542

-

355,018

-

532,814

-

3,910,542

-

4,265,560

-

4,798,374

-

904,345

-

-

118,033 1,022,378

-

1,022,378

PT BANK ANZ INDONESIA ANZ TOWER Jl. Jend. Sudirman Kav. 33a Jakarta

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