Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank Umum Table 1.a. Disclosure of Capital Structur of Commercial Bank

Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank Umum Table 1.a. Disclosure of Capital Structur of Commercial Bank (dalam jutaan rupiah - in million rupiah)

KOMPONEN MODAL

I Modal Inti (Tier 1) 1 Modal Inti Utama (CET 1) 1.1 Modal disetor (Setelah dikurangi Saham Treasury) 1.2 Cadangan Tambahan Modal 1) 1.2.1 Agio / Disagio 1.2.2 Modal sumbangan 1.2.3 Cadangan umum 1.2.4 Laba/Rugi tahun-tahun lalu yang dapat diperhitungkan 1.2.5 Laba/Rugi tahun berjalan yang dapat diperhitungkan 1.2.6 Selisih lebih karena penjabaran laporan keuangan 1.2.7 Dana setoran modal 1.2.8 Waran yang diterbitkan 1.2.9 Opsi saham yang diterbitkan dalam rangka program kompensasi berbasis saham 1.2.10 Pendapatan komprehensif lain 1.2.11 Saldo surplus revaluasi aset tetap 1.2.12 Selisih kurang antara PPA dan cadangan kerugian penurunan nilai atas aset produktif 1.2.13 Penyisihan Penghapusan Aset (PPA) atas aset non produktif yang wajib dihitung 1.2.14 Selisih kurang jumlah penyesuaian nilai wajar dari instrumen keuangan dalam trading book 1.3 Kepentingan Non Pengendali yang dapat diperhitungkan 1.4 Faktor Pengurang Modal Inti Utama 1) 1.4.1 Perhitungan pajak tangguhan 1.4.2 Goodwill 1.4.3 Aset tidak berwujud lainnya 1.4.4 Penyertaan yang diperhitungkan sebagai faktor pengurang 1.4.5 Kekurangan modal pada perusahaan anak asuransi 1.4.6 Eksposur sekuritisasi 1.4.7 Faktor Pengurang modal inti lainnya 1.4.8 Investasi pada instrumen AT1 dan Tier 2 pada bank lain 2) 2

1)

Modal Inti Tambahan (AT-1) 2.1 Instrumen yang memenuhi persyaratan AT-1 2.2 Agio / Disagio 2.3 Faktor Pengurang: Investasi pada instrumen AT1 dan Tier 2 pada bank lain 2) II Modal Pelengkap (Tier 2) 1 Instrumen modal dalam bentuk saham atau lainnya yang memenuhi persyaratan 2 Agio atau disagio yang berasal dari penerbitan instrumen modal inti tambahan 3 Cadangan umum aset produktif PPA yang wajib dibentuk (maks 1,25% ATMR Risiko Kredit) 4 Cadangan tujuan 5 Faktor Pengurang Modal Pelengkap 1) 5.1 Sinking Fund 5.2 Investasi pada instrumen Tier 2 pada bank lain 2) Total Modal ASET TERTIMBANG MENURUT RISIKO ATMR RISIKO KREDIT ATMR RISIKO PASAR ATMR RISIKO OPERASIONAL TOTAL ATMR RASIO KPMM SESUAI PROFIL RISIKO RASIO KPMM Rasio CET1 Rasio Tier 1 Rasio Tier 2 Rasio total

30 juni 2017 June 30, 2017

CAPITAL COMPONENT

Bank Bank Only 1.312.006 1.312.006 1.000.000

I Equity Tier 1 1 Common Equity Tier 1 (CET 1) 1.1 Capital Injection (After Shorten By Treasury Stock) 1) 1.2 333.220 Disclosed Reserve 1.2.1 Agio / Disagio 1.2.2 Donation capital 419.311 1.2.3 General reserve 1.2.4 Last years profit taken into account 112.669 1.2.5 Current year profit taken into account 1.2.6 The difference more due to financial statements explanation 1.2.7 Fund paid up capital 1.2.8 Issued Warrant 1.2.9 Stock Options Issued In Order To Stock Based Compensation Programs 1.2.10 Other Comprehensive Income 1.2.11 The balance of revaluation surplus of fixed assets (198.760) 1.2.12 The difference between less PPA for possible loss and loss reserves decline in productive asset 1.2.13 PPA allowance based on calculated non-earning assets 1.2.14 Cash shortage of value adjustments of financial instruments in trading book 1.3 Non interest calculated Control 1) 21.214 1.4 Regulatory Adjustments to Common Equity Tier 1 21.126 1.4.1 Tax Deferred Interest Calculation 1.4.2 Goodwill 88 1.4.3 Other intangible assets 1.4.4 Inclusion as a factor to reckon with termination 1.4.5 shortage of capital in the company of the child insurance 1.4.6 Securitization Exposure 1.4.7 Other Core Capital Reducing Factor 1.4.8 ATI and TIER 2 Investment of other bank -

71.412

71.412 -

1.383.418 5.712.928 1.231.803 6.944.731 8,94%

2

CAR Ratio

18,89% 1,03% 19,92%

1)

Additional Tier 1 (AT-1) 2.1 Ratio requirement instrument AT-1 2.2 Agio / Disagio 2.3 Investment termination factor on the instrument AT 1 and TIER 2 on the other bank II Supplementary Capital (TIER 2) 1 Capital instruments in the form of stock or other ratio requirement 2 Agio or disagio commisioner from the publication of an extra core capital instruments 3 Productive public assets reserves required the formed PPA (max. 1.25% RWA credit risk) 4 Formed reserves 5 Supplementary Capital Termination Factor 5.1 Sinking Fund 5.2 TIER 2 instruments investments in other banks Total Capital MEASUREMENT OF RISK WEIGHTED ASSETS Risk Weighted Assets (RWA) by credit risk Risk Weighted Assets (RWA) by market risk Risk Weighted Assets (RWA) by operational risk TOTAL RWA Risk Weighted Assets (RWA)Ration based on Profile risk CET1 Ratio Tier 1 Ratio Tier 2 Ratio Total Ratio

Tabel 2.1.a. Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual Table 2.1.a. Disclosure of Net Receivables by Area - Bank Only (dalam jutaan rupiah - in million rupiah)

No.

30 Juni 2017 June 30, 2017 Tagihan Bersih Berdasarkan Wilayah Net Receivables by Area

Kategori Portofolio DIY

(1)

(2)

1 Tagihan Kepada Pemerintah

(3)

Jawa Tengah

Lainnya

Total

Central Java

Others

(4)

(5)

(6)

1.968.621 Receivables on Sovereigns

-

-

1.968.621

25.978

-

46.415

-

-

-

4 Tagihan Kepada Bank

145.888

10.069

1.308.196

5 Kredit Beragun Rumah Tinggal

212.372

12.570

3.704

31.402

419

-

810.637

14.266

1.583

3.157.470

130.776

31.710

807.656

483.953

596.753

87.331

2.115

66.988

821.584

-

-

6.100.318

654.168

4.023.970

2 Tagihan Kepada Entitas Sektor Publik 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

6 Kredit Beragun Properti Komersial 7 Kredit Pegawai/Pensiunan 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 9 Tagihan kepada Korporasi 10 Tagihan yang Telah Jatuh Tempo 11 Aset Lainnya Total

Portofolio Category

(2)

72.393 Receivables on Public Sector Entities -

Receivables on Multilateral Development Banks and International Institutions

1.464.153 Receivables on Banks 228.646 Loans Secured by Residential Property 31.821 Loans Secured by Commercial Real Estate 826.486 Employee/Retired Loans 3.319.956 Receivables on Micro, Small Business and Retail Portfolio 1.888.362 Receivables on Corporate 156.434 Past Due Receivables 821.584 Other Assets 10.778.456 Total

Tabel 2.2.a. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara individual Table 2.2.a. Disclosure of Net Receivables by Contractual Maturity - Bank Only (dalam jutaan rupiah - in million rupiah)

30 Juni 2017 No.

June 30, 2017 Tagihan bersih berdasarkan sisa jangka waktu kontrak Net Receivables by Contractual Maturity > 1 - 3 thn > 3 - 5 thn > 5 thn Non-Kontraktual 1 - 3 years 3 - 5 years > 5 years Non-Contractual

Kategori Portofolio < 1 tahun < 1 year

(1)

(2)


(3)

(4)

(5)

(6)

(7)

Portofolio Category Total (8)

(2)

1.682.421

95.265

171.546

19.389

-

2 Tagihan Kepada Entitas Sektor Publik

-

33.915

38.101

377

-

3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

-

-

-

-

-

1.309.064

29.873

107.713

17.503

-


1.335

17.174

45.331

164.806

-

6 Kredit Beragun Properti Komersial

6.014

14.521

10.573

713

-

19.391

152.692

214.955

439.448

-

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

331.637

988.092

811.307

1.188.921

-

3.319.956 Receivables on Micro, Small Business and Retail Portfolio

9 Tagihan kepada Korporasi

312.333

523.084

301.191

751.755

-

1.888.362 Receivables on Corporate

17.900

12.734

72.069

53.731

-

-

-

-

-

821.584

3.680.095

1.867.349

1.772.786

2.636.643

821.584


7 Kredit Pegawai/Pensiunan

10 Tagihan yang Telah Jatuh Tempo 11 Aset Lainnya Total

1.968.621 Receivables on Sovereigns 72.393 Receivables on Public Sector Entities -


1.464.153 Receivables on Banks 228.646 Loans Secured by Residential Property 31.821 Loans Secured by Commercial Real Estate 826.486 Employee/Retired Loans

156.434 Past Due Receivables 821.584 Other Assets 10.778.456 Total

Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara Individual Tabel 2.3.a. Disclosure of Net Receivables by Economic Sectors - Bank Only

Tagihan Kepada Pemerintah No.

Sektor Ekonomi

(1)

(2)

Tagihan Kepada Entitas Sektor Publik

Receivables Receivables on on Sovereigns Public Sector Entities

(3)

(4)

Tagihan Kepada Bank Tagihan Kepada Kredit Beragun Kredit Pembangunan Tagihan Kredit Beragun Usaha Mikro, Properti Pegawai/Pens Usaha Kecil dan Multilateral dan Kepada Bank Rumah Tinggal Komersial iunan Portofolio Ritel Lembaga Internasional Receivables on Multilateral Development Banks and International Institutions

Receivables on Loans Secured Loans Secured Banks by Residential by Commercial Property Real Estate

(5)

(6)

(7)

(8)

Tagihan kepada Korporasi

Tagihan yang Telah Jatuh Tempo

Aset Lainnya

Employee/ Retired Loans

Receivables on Micro, Small Business & Retail Portfolio

Receivables on Corporate Portfolio

Past Due Receivables

Other Assets

(9)

(10)

(11)

(12)

(13)

Sektor Ekonomi

(2)

30 Juni 2017

June 30, 2017

1 Pertanian, perburuan dan Kehutanan

-

-

-

-

68

-

866

89.268

12.177

1.196

2 Perikanan

-

-

-

-

167

66

406

25.243

17

564

3 Pertambangan dan Penggalian

-

-

-

-

-

-

-

1.283

2.559

29

4 Industri pengolahan

-

-

-

-

-

1.467

70

79.521

269.653

5.871

5 Listrik, Gas dan Air

-

9.062

-

-

-

-

-

2.262

1.330

-

6 Konstruksi

-

-

-

-

-

4.564

81

99.566

118.570

1.389

7 Perdagangan besar dan eceran

-

-

-

-

609

12.925

3.303

668.772

310.352

15.540

- Wholesale and Retail Trading

8 Penyediaan akomodasi dan penyediaan makan minum

-

-

-

-

138

10.536

133

71.314

304.585

114.393

- Hotel and Food & Beverage

9 Transportasi, pergudangan dan komunikasi

-

-

-

-

-

-

-

17.489

403.220

477

1.968.621

37.352

-

1.464.153

-

-

-

20.628

315.355

23

11 Real estate, usaha persewaan dan jasa perusahaan

-

-

-

-

-

-

-

32.277

34.005

573

12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

-

-

-

-

-

-

-

-

-

-

- Public Administration, Defense and Compulsory Social Security

13 Jasa pendidikan

-

-

-

-

-

500

51

23.164

87.839

-

- Education Services

14 Jasa kesehatan dan kegiatan sosial

-

21.367

-

-

-

-

71

14.691

8.710

14

15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya

-

4.612

-

-

-

1.457

1.073

129.324

12.133

8.154

16 Jasa perorangan yang melayani rumah tangga

-

-

-

-

-

-

-

6.793

342

175

17 Badan internasional dan badan ekstra internasional lainnya

-

-

-

-

-

-

-

-

-

-

- International Institution and Other Extra International Agencies

18 Kegiatan yang belum jelas batasannya

-

-

-

-

-

-

-

-

-

-

- Undefined Activities

19 Bukan Lapangan Usaha

-

-

-

-

227.665

308

820.432

2.038.359

7.516

8.035

- Non Business Field

20 Lainnya

-

-

-

-

-

-

-

-

-

-

1.968.621

72.393

1.464.153

228.647

31.823

826.486

3.319.954

1.888.362

156.433

10 Perantara keuangan

Total

-

- Agriculture, Hunting and Forestry - Fishery - Mining and Quarrying - Manufacturing - Electricity, Gas and Water - Construction

- Transportation, Warehousing and Communications - Financial Intermediary - Real Estate, Rental and Business Services

- Human Health and Social Work Activities - Public, Socio-Culture, Entertainment and Other Personal Services - Activities of Households as Employers

821.584 Others 821.584 Total

Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara Individual Table 2.4.a. Disclosure of Receivables and Provisioning Based on Area - Bank Only (dalam jutaan rupiah - in million rupiah)

No.

30 Juni 2017 June 30, 2017 Wilayah Area Jawa Lainnya Tengah Central Java Others

Keterangan DIY

(1)

(2)

1 Tagihan 2 Tagihan yang mengalami penurunan nilai (impaired loans )

(3)

(4)

6.011.932

(5)

551.664

Description Total (6)

3.920.767

(2)

10.484.363 Receivables

-

-

-

a. Belum jatuh tempo

82.761

20.596

-

b. Telah jatuh tempo

122.720

3.497

77.079

3 Cadangan kerugian penurunan nilai (CKPN) - Individual

1.515

38

10.125

11.679 Allowance for Impairment Losses - Individual

4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif

49.746

2.212

238

52.196 Allowance for Impairment Losses - Collective

5 Tagihan yang dihapus buku

38.107

222

4.180

-

Impairment Receivables

103.357 a. Non Past Due 203.296 b. Past Due

42.509 Written-Off Receivables

Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual Table 2.5.a Disclosure of Receivables and Provisioning Based on Economic Sectors - Bank Only (dalam jutaan rupiah - in million rupiah) Tagihan yang Mengalami Penurunan Nilai Tagihan No.

Sektor Ekonomi

(1)

(2)

Cadangan kerugian penurunan nilai (CKPN) Individual

Impaired Receivables

Receivables

Belum Jatuh Tempo Non Past Due

Telah jatuh tempo Past Due

(3)

(4)

(5)

Allowance for Impairment Losses (6)

Cadangan kerugian Tagihan yang penurunan nilai dihapus buku (CKPN) Kolektif Allowance for Impairment Losses (7)

Economic Sectors

Written-Off Receivables (8)

(2)

30 Juni 2017 1

Pertanian, perburuan dan Kehutanan

2

Perikanan

3

Pertambangan dan Penggalian

4

June 30, 2017 105.264

3.615

3.158

-

2.496

26.678

1.152

804

-

290

3.870

8

44

-

20

Industri pengolahan

354.990

3.779

8.296

5

Listrik, Gas dan Air

11.379

2.252

-

-

7

6

Konstruksi

176.116

33.098

1.566

-

860

7

Perdagangan besar dan eceran

979.611

6.017

32.257

1.404

22.006

8

Penyediaan akomodasi dan penyediaan makan minum

503.628

17.428

128.446

10.009

4.521

168 Hotel and Food & Beverage

9

Transportasi, pergudangan dan komunikasi

321.667

3.212

1.674

26

3.873

142 Transportation, Warehousing and Communications

42

139

1.269

-

1.541

-

1.078

797 Real Estate, Rental and Business Services

-

-

-

-

-

Public Administration, Defense and Compulsory Social Security

111.140

250

-

-

598

-

Education Services

44.642

107

17

-

103

-

Human Health and Social Work Activities

153.835

4.870

12.633

-

5.283

7.385

205

341

-

194

-

Activities of Households as Employers

Fishery 31 Mining and Quarrying

417 Manufacturing -

Electricity, Gas and Water

2.709 Construction 15.527 Wholesale and Retail Trading

Perantara keuangan

11

Real estate, usaha persewaan dan jasa perusahaan

12

Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

13

Jasa pendidikan

14

Jasa kesehatan dan kegiatan sosial

15

Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya

16

Jasa perorangan yang melayani rumah tangga

17

Badan internasional dan badan ekstra internasional lainnya

-

-

-

-

-

-

International Institution and Other Extra International Agencies

18

Kegiatan yang belum jelas batasannya

-

-

-

-

-

-

Undefined Activities

19

Bukan Lapangan Usaha

26.514

12.477

20

Lainnya

-

-

58.893 -

3.108.205 821.584 10.484.363

-

3.804

-

10

Total

3.695.476

4

1.921 Agriculture, Hunting and Forestry

850

103.357

203.296

97

5.795

-

-

11.679

52.196

Financial Intermediary

10.913 Public, Socio-Culture, Entertainment and Other Personal Services

9.883 Non Business Field -

Others

42.509 Total

Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual Table 2.6.a. Movements of Impairment Provision Disclosure - Bank Only (dalam jutaan rupiah - in million rupiah)

30 Juni 2017 June 30, 2017 No.

Keterangan

(1)

(2)

1 Saldo awal CKPN

CKPN Individual

CKPN Kolektif

Allowance for Impairment Losses Individual

Allowance for Impairment Losses Collective

(3)

(4)

7.666

2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)

Description

(2)

59.723 Beginning Balance - Allowance for Impairmnet Losses Additional (reversal) allowance for impairment losses during the year-net

2.a

Pembentukan CKPN pada periode berjalan

8.474

24.722 2.a

Additional allowance for impairment losses during the year

2.b

Pemulihan CKPN pada periode berjalan

(4.462)

(13.088) 2.b

Reversal allowance for impairment losses during the year

3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan

-

4 Pembentukan (pemulihan) lainnya pada periode berjalan

-

Saldo akhir CKPN

11.679

(19.161) Allowance for impairment losses used for written off receivables during the year - Other additional allowance during the year

52.196 Ending Balance-Allowance for Impairment Losses

Tabel 3.1.a Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara Individual Table 3.1.a Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only

30 Juni 2017 June 30, 2017 Tagihan Bersih Net Receivables

No.

Lembaga Pemeringkat Rating Company Standard and Poor's

AAA

Fitch Rating

AAA

Moody's

Aaa

Kategori Portofolio

PT. Fitch Ratings Indonesia

AAA (idn)

PT ICRA Indonesia

[Idr]AAA

PT Pemeringkat Efek Indonesia (1)

(2)


(3)

idAAA (4)

AA+ s.d AAAA+ to AAAA+ s.d AAAA+ to AAAa1 s.d Aa3 Aa1 to Aa3 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+ s.d AA+ to AA+ s.d AA+ to AA1 s.d A3 A1 to A3 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 id A-

(5)

(6)

Peringkat Jangka panjang Long Term Rating BBB+ s.d BBBBB+ s.d BBBBB+ to BBBBB+ to BBBBB+ s.d BBBBB+ s.d BBBBB+ to BBBBB+ to BBBaa1 s.d Baa3 Ba1 s.d Ba3 Baa1 to Baa3 Ba1 to Ba3 BBB+(idn) s.d BBB-(idn) BB+(idn) s.d BB-(idn) BBB+(idn) to BBB-(idn) BB+(idn) to BB-(idn) [Idr]BBB+ s.d [Idr]BBB- [Idr]BB+ s.d [Idr]BB[Idr]BBB+ to [Idr]BBB- [Idr]BB+ to [Idr]BBid BBB+ s.d id BBB- id BB+ s.d id BBid BBB+ to id BBBid BB+ to id BB(7)

(8)

B+ s.d BKurang dari BB+ to BLower than BB+ s.d BKurang dari BB+ to BLower than BB1 s.d B3 Kurang dari B3 B1 to B3 Lower than B3 B+(idn) s.d B-(idn) Kurang dari B-(idn) B+(idn) to B-(idn) Lower than B-(idn) [Idr]B+ s.d [Idr]B- Kurang dari [Idr]B[Idr]B+ to [Idr]B- Lower than [Idr]Bid B+ s.d id BKurang dari idBid B+ to id BLower than [Idr]B(9)

(10)

Peringkat Jangka Pendek Short Term Rating A-2 A-3

A-1 F1+ s.d F1 F1+ to F1 P-1 F1+(idn) s.d F1(idn) F1+(idn) to F1(idn) [Idr]A1+ s.d [Idr]A1 [Idr]A1+ to [Idr]A1 idA1 (11)

Kurang dari A-3 Tanpa Peringkat Lower than A-3 F2 F3 Kurang dari F3 Lower than F3 P-2 P-3 Kurang dari P-3 Lower than P-3 F2(idn) F3(idn) Kurang dari F3(idn) Unrated Lower than F3(idn) [Idr]A2+ s.d A2 [Idr]A3+ s.d [Idr] A3 Kurang dari [Idr]A3 [Idr]A2+ to A2 [Idr]A3+ to [Idr] A3 Lower than [Idr]A3 idA2 idA3 s.d id A4 Kurang dari idA4 idA3 to id A4 Lower than idA4 (12)

(13)

(14)

(15)

(16)

-

-

-

-

-

-

-

-

-

-

-

1.968.621


59.516

-

-

-

-

-

-

-

-

-

-

12.877


-

-

-

-

-

-

-

-

-

-

-

-


-

-

91.458

-

-

-

-

-

-

-

30.923

1.341.772


228.646


31.821


826.486

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 9 Tagihan kepada Korporasi

-

-

-

-

-

-

-

-

-

-

-

Portfolio Category Total

(2)

1.968.621 Receivables on Sovereigns 72.393 Receivables on Public Sector Entities -


1.464.153 Receivables on Banks 228.646 Loans Secured by Residential Property 31.821 Loans Secured by Commercial Real Estate 826.486 Employee/Retired Loans

3.319.956


1.888.362


10 Tagihan yang Telah Jatuh Tempo

156.434

156.434 Past Due Receivables

11 Aset Lainnya

821.584

821.584 Other Assets

TOTAL

59.516

1.341.772

-

91.458

-

-

-

-

-

-

-

9.285.710

10.778.456

TOTAL

Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual Table 4.1.a. Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 June 30, 2017

No.

(1)

Beban Modal

ATMR

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receivables after Calculation of Credit Risk Mitigation Impact

Kategori Portofolio

(2)

Portfolio Category

0%

20%

35%

40%

45%

50%

75%

100%

150%

Lainnya Others

RWA

Capital Charge

(3)

(4)

(5)

(6)

(7)

(8)

(9)

(10)

(11)

(12)

(13)

(14)

A Eksposur Neraca

(2)

Balance Sheet Exposures


1.968.621

-

-

-

-

-

-

-

-

-


-

59.516

-

-

-

-

-

-

-

11.903


-

-

-

-

-

-

-

-

-

-


-

1.347.576

-

-

-

109.074

-

-

-

324.053


-

-

228.646

-

-

-

-

-

-

80.026

6.402 Loans Secured by Residential Property


-

-

-

-

-

-

-

30.673

-

30.673

2.454 Loans Secured by Commercial Real Estate

566

-

-

-

-

825.920

-

-

-

412.960


- Receivables on Sovereigns 952 Receivables on Public Sector Entities - Receivables on Multilateral Development Banks and International Institutions 25.924 Receivables on Banks

33.037 Employee/Retired Loans


52.896

-

-

-

-

-

3.191.598

-

-

2.393.699

191.496 Receivables on Micro, Small Business and Retail Portfolio


31.672

-

-

-

-

-

-

1.600.157

-

1.600.157

128.013 Receivables on Corporate

-

-

-

-

-

-

-

64

156.370

234.619


514.844

-

-

-

-

-

-

306.740

-

306.740

24.539 Other Assets

2.568.599

1.407.092

228.646

-

-

934.994

3.191.598

1.937.634

156.370

10 Tagihan yang Telah Jatuh Tempo 11 Aset Lainnya Total Eksposur Neraca

-

5.394.831

B Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif

Off Balance Sheet Commitment/Contigency Receivables Exposures


-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

12.877

-

-

-

6.439


-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

7.503

-

-

-

3.752


-

-

-

-

-

-

-

-

-

-


-

-

-

-

-

1.149

-

-

-

1.149


-

-

-

-

-

-

-

-

-

-

8.497

-

-

-

-

66.965

-

-

-

50.224

8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel 9 Tagihan kepada Korporasi

-

-

-

-

-

256.533

-

-

-

256.533

10 Tagihan yang Telah Jatuh Tempo

-

-

-

-

-

-

-

-

-

-

8.497

-

-

-

-

345.027

-

-

-

Total Eksposur TRA

431.586 Total Balance Sheet Exposures

-

318.097

C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)

- Receivables on Sovereigns 515 Receivables on Public Sector Entities - Receivables on Multilateral Development Banks and International Institutions 300 Receivables on Banks - Loans Secured by Residential Property 92 Loans Secured by Commercial Real Estate - Employee/Retired Loans 4.018 Receivables on Micro, Small Business and Retail Portfolio 20.523 Receivables on Corporate - Past Due Receivables 25.448 Total Off Balance Sheet Commitment/Contigency Receivables Exposures Counterparty Credit Risk


-

-

-

-

-

-

-

-

-

-

- Receivables on Sovereigns


-

-

-

-

-

-

-

-

-

-

- Receivables on Public Sector Entities


-

-

-

-

-

-

-

-

-

-

- Receivables on Multilateral Development Banks and International Institutions


-

-

-

-

-

-

-

-

-

-

- Receivables on Banks


-

-

-

-

-

-

-

-

-

-

- Receivables on Micro, Small Business and Retail Portfolio


-

-

-

-

-

-

-

-

-

-

- Receivables on Corporate

-

-

-

-

-

-

-

-

-

-

- Total Counterparty Credit Risk

Total Eksposur Counterparty Credit Risk

-

Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual Table 4.2.a. Disclosure of Net Receivables and Credit Risk Mitigation - Bank Only (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 June 30, 2017

No.

Tagihan Bersih

Kategori Portofolio

(1)

(2)

Bagian Yang Dijamin Dengan Portion Secured By Asuransi Garansi Kredit Credit Guarantee Insurance

Agunan

Net Receivable

Collateral

(3)

(4)

(5)

(6)

Bagian Yang Tidak Dijamin

Lainnya

Portfolio Category

Others

Unsecured Portion

(7)

(8) = (3)-[(4)+(5)+(6)+(7)]

(2)

A

Eksposur Neraca

1

Tagihan Kepada Pemerintah

2


3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

4

Tagihan Kepada Bank

5

Kredit Beragun Rumah Tinggal

6

Kredit Beragun Properti Komersial

7

Kredit Pegawai/Pensiunan

8

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

3.244.494

-

-


9


1.631.829

-

-


Balance Sheet Exposures 1.968.621

-

-

-

59.516

-

-

-

-

-

-

-

1.456.650

-

-

-

228.646

-

-

-

30.673

-

-

-

-

-

826.486

1.968.621 Receivables on Sovereigns 59.516 Receivables on Public Sector Entities - Receivables on Multilateral Development Banks and International Institutions 1.456.650 Receivables on Banks 228.646 Loans Secured by Residential Property 30.673 Loans Secured by Commercial Real Estate 826.486 Employee/Retired Loans

10

Tagihan yang Telah Jatuh Tempo

156.434

-

-

-


11

Aset Lainnya

821.584

-

-

-

821.584 Other Assets

10.424.933

-

-

-

Total Eksposur Neraca B

Eksposur Rekening Adminsitratif

1


2


3


4

Tagihan Kepada Bank

5


6


7


8


9


10

-

10.424.933 Total Balance Sheet Exposures Off Balance Sheet Commitment/Contigency Receivables Exposures

-

-

-

-

12.877

-

-

-

-

-

-

-

7.503

-

-

-

-

-

-

-

1.149

-

-

-

-

-

-

-

-

-

75.462 256.533

-

-

-

-

-

-

-

353.524

-

-

-

Tagihan yang Telah Jatuh Tempo Total Eksposur Rekening Administratif

- Receivables on Sovereigns 12.877 Receivables on Public Sector Entities - Receivables on Multilateral Development Banks and International Institutions 7.503 Receivables on Banks - Loans Secured by Residential Property 1.149 Loans Secured by Commercial Real Estate - Employee/Retired Loans 75.462 Receivables on Micro, Small Business and Retail Portfolio 256.533 Receivables on Corporate - Past Due Receivables -

353.524 Total Off Balance Sheet Commitment/Contigency Receivables Exposures

C

Eksposur Counterparty Credit Risk

1


-

-

-

-

- Receivables on Sovereigns

2


-

-

-

-

- Receivables on Public Sector Entities

3


-

-

-

-

- Receivables on Multilateral Development Banks and International Institutions

4

Tagihan Kepada Bank

-

-

-

-

- Receivables on Banks

5


-

-

-

-

- Receivables on Micro, Small Business and Retail Portfolio

6


-

-

-

-

- Receivables on Corporate

-

-

-

-

-

10.778.457

-

-

-

-

Total Eksposure Counterparty Credit Risk

Total (A+B+C)

Counterparty Credit Risk

- Total Counterparty Credit Risk

10.778.457

Total (A+B+C)

Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual Calculation of Risk Weighted Assets for Credit Risk under Standardized Approach - Bank Only Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca Table 6.1.1. Disclosure On Balance Sheet Assets Exposure (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 June 30, 2017

No.

Kategori Portfolio

(1)

(2)

1


2


3


4

Tagihan Kepada Bank

5


6


7


8

9

Tagihan Bersih

ATMR Sebelum MRK

ATMR Setelah MRK

Net Receivables

RWA Before CRM

RWA After CRM

(3)

(4)

(5)

Portfolio Category

(2)

1.968.621

-

59.516

11.903

-

-

1.456.650

324.052

228.646

80.026

80.026 Loans Secured by Residential Property

30.673

30.672

30.673 Loans Secured by Commercial Real Estate

826.486

413.243


3.244.494

2.433.370

2.393.699


1.631.829

1.631.829


10

Tagihan Yang Telah Jatuh Tempo

156.434

234.619

11

Aset Lainnya

821.584

-

10.424.933

5.159.714

TOTAL

- Receivables on Sovereigns 11.903 Receivables on Public Sector Entities -


324.053 Receivables on Banks

412.960 Employee/Retired Loans Receivables on Micro, Small Business and Retail Portfolio

234.619 Past Due Receivables 306.740 Other Assets 5.394.831 TOTAL

Tabel 6.1.7. Pengungkapan Total Pengukuran Risiko Kredit Table 6.1.7. Disclosure of Total Credit Risk Measurement (dalam jutaan rupiah - in million rupiah)

30 Juni 2017 Jenis Transaksi

TOTAL ATMR RISIKO KREDIT TOTAL FAKTOR PENGURANG MODAL

Transaction Type

June 30, 2017

5.712.928 TOTAL RWA FOR CREDIT RISK - TOTAL CAPITAL DEDUCTION FACTOR

Tabel 8.1.a. Pengungkapan Risiko Operasional - Bank secara Individul Table 8.1.a. Quantitative Disclosure of Operational Risk -Bank Only (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 June 30, 2017

No. Pendekatan Yang Digunakan

Pendapatan Bruto (Rata-rata 3 tahun terakhir) Average Gross Income in the past 3 years

(1)

1

(2)

(3)

Beban Modal

ATMR

Capital Charge

RWA

(4)

(5)

Indicator Approach

(2)

Pendekatan Indikator Dasar

656.962

98.544

1.231.803 Basic Indicator Approach

Total

656.962

98.544

1.231.803 Total

Tabel 9.1.a. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual Table 9.1.a. Disclosure of Rupiah Maturity Profile - Bank Only (dalam jutaan rupiah - in million rupiah) 30 Juni 2017 June 30, 2017

No.

Saldo

(1)

I

< 1 bulan < 1 months

> 1 - 3 bln > 1 - 3 months

Jatuh Tempo Maturity > 3 - 6 bln > 3 - 6 months

(4)

(5)

(6)

Pos-pos

(2)

(3)

Account > 6 - 12 bln > 6 - 12 months

> 12 bulan > 12 months

(7)

(8)

(2)

NERACA

BALANCE SHEET

A Aset 1. Kas

A 507.207

-

-

-

-

1.

Cash

2. Penempatan pada Bank Indonesia

1.504.667

1.504.667

-

-

-

-

2.

Current accounts with Bank Indonesia

3. Penempatan pada bank lain

1.255.804

1.255.804

-

-

-

-

3.

Current accounts with other banks

513.573

-

30.024

14.985

51.172

417.392

4.

Marketable Securities

5.814.189

47.575

100.963

126.683

399.974

5.138.994

5.

Loans

6. Tagihan lainnya

-

-

-

-

-

-

6.

Other receivables

7. Lain-lain

-

-

-

-

-

-

7.

Others

9.595.440

3.315.253

130.987

141.668

451.146

5.556.386 Total Assets

8.124.548

2.476.793

390.177

242.086

457.654

4.557.838

1.

Deposits from Customer

11

11

-

-

-

-

2.

Liabilities with Bank Indonesia

55.120

55.120

-

-

-

-

3.

Liabilities with Other Banks

-

-

-

-

-

-

4.

Securities issued

50.958

-

-

-

-

50.958

5.

Borrowings

6. Kewajiban lainnya

-

-

-

-

-

-

6.

Other Liabilities

7. Lain-lain

-

-

-

-

-

-

7.

Lain-lain

Total Kewajiban

8.230.637

2.531.924

390.177

242.086

457.654

Selisih Aset dengan Kewajiban dalam Neraca

1.364.803

783.329

(259.190)

(100.418)

4. Surat Berharga 5. Kredit yang diberikan

Total Aset B. Kewajiban 1. Dana Pihak Ketiga 2. Kewajiban pada Bank Indonesia 3. Kewajiban pada bank lain 4. Surat Berharga yang Diterbitkan 5. Pinjaman yang Diterima

II

Asset

507.207

B.

(6.508)

4.608.796 Total Liabilities

947.590

REKENING ADMINISTRATIF A.

Liabilities

On Balance Sheet Asset and Liabilities Differences

OFF BALANCE SHEET

Tagihan Rekening Administratif

A. Off Balance Sheet Receivables

1. Komitmen

-

-

-

-

-

-

1.

Commitment

2. Kontijensi

31.006

1.251

2.501

3.751

7.502

16.001

2.

Contingency

31.006

1.251

2.501

3.751

7.502

16.001 Total Tagihan Rekening Administratif

1. Komitmen

740.861

24.812

49.625

74.438

148.875

443.111

1.

Commitment

2. Kontijensi

65.563

1.971

3.941

5.912

11.824

41.915

2.

Contingency

806.424

26.783

53.566

80.350

160.699

(775.418)

(25.532)

(51.065)

(76.599)

(153.197)

Total Tagihan Rekening Administratif

B. Kewajiban Rekening Administratif

Total Kewajiban Rekening Administratif

Selisih Tagihan dan Kewajiban dalam Rekening Administratif

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

Selisih Kumulatif

B.

589.385

757.797

(310.255)

(177.017)

(159.705)

-

757.797

447.542

270.525

110.820

Off Balance Sheet Liabilities

485.026 Total Off Balance Sheet Liabilities

(469.025) Off Balance Sheet Asset and Liabilities Differences

478.565 Differences [(IA-IB)+(IIA-IIB)]

589.385 Cummulative Differences

Tabel 1.a. Pengungkapan Kuantitatif Struktur Permodalan Bank Umum Table 1.a. Disclosure of Capital Structur of Commercial Bank

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