Tabel Manajemen Risiko Risk Management Table

Tabel Manajemen Risiko | RISK MANAGEMENT TABLE

Tabel Manajemen Risiko Risk Management Table

Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual Table 1 Disclosure of Capital Structure – Bank Only (Jutaan Rupiah / Million Rupiah) 'HVHPEHU December 31, 2012 I

II III

IV V VI

VII

KOMPONEN MODAL / CAPITAL COMPONENT A . Modal Inti / Core Capital (Tier-1) 1. Modal disetor / Paid-in Capital 2. Cadangan Tambahan Modal / Additional Reserve Capital 0RGDO,QRYDWLI Innovative Capital Instruments )DNWRU3HQJXUDQJ0RGDO,QWL / Tier-1 Capital Deduction Factor 5. Kepentingan Non Pengendali / Non-controlling Interest B . Modal Pelengkap / Supplementary Capital (Tier-2) 1. Level Atas / Upper Tier-2 2. Level Bawah maksimum 50% Modal Inti / Lower Tier-2 (maximum 50% of Tier-1 Capital) )DNWRU3HQJXUDQJ0RGDO3HOHQJNDS Tier-2 Capital Deduction Factor C. Faktor Pengurang Modal Inti dan Modal Pelengkap / Tier-1 and Tier-2 Capital Deduction Factor Eksposur Sekuritisasi / Securitization Exposures D. Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3) / Additional Supplementary Capital (Tier-3) E. Modal Pelengkap Tambahan Yang Dialokasikan Untuk Mengantisipasi Risiko Pasar / Additional Supplementary Capital For Market Risk Anticipation TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) / TOTAL OF CORE CAPITAL AND SUPPLEMENTARY CAPITAL (A+B-C) TOTAL MODAL INTI, MODAL PELENGKAP, DAN MODAL PELENGKAP TAMBAHAN YANG DIALOKASIKAN UNTUK MENGANTISIPASI RISIKO PASAR (A+B-C+E) / TOTAL OF CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONAL SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+B-C+E) ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT / RISK WEIGHTED ASSET FOR CREDIT RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL / RISK WEIGHTED ASSET FOR OPERATIONAL RISK ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR / RISK WEIGHTED ASSET FOR MARKET RISK A Metode Standar / Standardized Method B Model Internal / Internal Model RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III: (IV+V+VI)] / MINIMUM CAPITAL ADEQUACY RATIO FOR CREDIT RISK, OPERATIONAL 5,6.$1'0$5.(75,6.>,,,,999, @

-

72.929 72.929 -

17,12%

PT Bank Mizuho Indonesia, 2012 Annual Report


71

71


Tabel 2.1 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara Individual Table 2.1 Disclosure of Net Receivables by Area - Bank Only (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31 2012 Kategori Portofolio / Portfolio Category

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area Area 1

Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor

$UHD

Area 2

$UHD

Area 5

Area 6

Area 7

Total

-

-

-

-

-

-

-

-

-

-

-

2.102.691

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

22.012

-

-

10

12

-

-

-

-

-

-

-

-

-

57.125

-

-

-

-

-

-

57.125

-

-

-

-

-

-

-

-

Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate 11.652.555 Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit

Area 1 : Jakarta Area 2 : Jawa Barat - West Java $UHD-DZD7HQJDKCentral Java $UHD-DZD7LPXUEast Java Area 5 : Sumatera & Kalimantan Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) Area 7 : Di luar Indonesia - Overseas

72 PTPT Bank Mizuho Indonesia, 2012 Annual Report Bank Mizuho Indonesia, 2010 Annual Report

72


Tabel 2.2 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual Table 2.2 Disclosure of Net Receivables by Contractual Maturity – Bank Only (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31, 2012

Kategori Portofolio / Portfolio Category

Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity !WDKXQ² !WDKXQWDKXQ tahun >1 year – 3 year >3 year – 5 year

< 1 tahun < 1 year

Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan

> 5 tahun > 5 year

Non-Kontraktual Non-Contractual

Total

192.775

-

2.102.691

-

-

-

-

-

516.596

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1,767.052

-

-

-

-

-

Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables

-

-

-

-

-

-

Aset Lainnya / Other Assets Eksposur di Unit Syariah /

-

-

-

-

57.125

57.125

Exposures at Sharia Based Business Activity Unit

-

-

-

-

-

-



73


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ6HNWRU(NRQRPL%DQNVHFDUD,QGLYLGXDO Table 2.3 Disclosure of Net Receivables by Economic Sectors - Bank Only (Jutaan Rupiah / Millions Rupiah)

Sektor Ekonomi / Economic Sectors

Tagihan Kepada Pemerintah / Receivables on Sovereigns

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional /

Tagihan Kepada Entitas Sektor Publik /

Receivables on Multilateral Development Banks and International Institutions

Receivables on Public Sector Entities

Tagihan Kepada Bank /

Kredit Beragun Rumah Tinggal /

Receivables on Banks

Loans Secured by Residential Property

'HVHPEHU December 31, 2012 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry Perikanan / Fishery

-

-

-

-

-

Pertambangan dan Penggalian / Mining and Quarrying Industri Pengolahan / Manufacturing Listrik, Gas dan Air / Electricity, Gas and Water

-

-

-

-

-

-

-

Konstruksi / Construction Perdagangan Besar dan Eceran / Wholesale and Retail Trading Penyediaan Akomodasi dan Penyedian Makan Minum /

-

-

-

-

-

-

-

-

-

-

Hotel and Food & Beverage Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications

-

-

-

-

-

-

-

-

-

-

2.760.269

-

-

-

-

-

-

-

-

-

-

-

-

-

Human Health and Social Work Activities Jasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal Services Jasa Perorangan yang Melayani Rumah Tangga /

-

-

-

-

-

-

-

-

-

-

Activities of Households as Employers Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies Kegiatan yang Belum Jelas Batasannya /

-

-

-

-

-

-

-

-

-

-

8QGHÀQHG$FWLYLWLHV Bukan Lapangan Usaha / Non Business Field

-

-

-

-

-

-

-

-

-

-

2.102.691

-

-

Perantara Keuangan / Financial Intermediary Real Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services Administrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense and Compulsory Social Security Jasa Pendidikan / Education Services Jasa Kesehatan dan Kegiatan Sosial /

Lainnya / Others Total

74

PT Bank Mizuho Indonesia, 2012 Annual Report PT Bank Mizuho Indonesia, 2010 Annual Report


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ6HNWRU(NRQRPL%DQNVHFDUD,QGLYLGXDO Table 2.3 Disclosure of Net Receivables by Economic Sectors - Bank Only (Jutaan Rupiah / Millions Rupiah)

Kredit Beragun Properti Komersial /

Kredit Pegawai/ Pensiunan /

Loans Secured by Commercial Real Estate

Employee / Retired Loans

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio

Tagihan Kepada Korporasi /

Tagihan Yang Telah Jatuh Tempo /

Aset Lainnya /

Receivables on Corporate

Past Due Receivables

Other Assets

Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.125.660

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.199

-

57.125 57.125

-

-



75

75


7DEHO3HQJXQJNDSDQ7DJLKDQGDQ3HQFDGDQJDQEHUGDVDUNDQ:LOD\DK%DQNVHFDUD,QGLYLGXDO Table 2.4 Disclosure of Receivables and Provisioning based on Area - Bank Only (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31, 2012 Keterangan / Description

Tagihan / Receivables

Tagihan Berdasarkan Wilayah / Receivables by Area $UHD

$UHD

Area 1

Area 2

Area 5

-

-

-

-

-

-

-

-

-

Area 6

Area 7

Total

-

-

-

-

-

-

-

-

-

-

-

-

222

22.716

551

-

-

-

-

-

-

-

519.590

Tagihan yang mengalami penurunan nilai / Impaired Receivables a. Belum Jatuh Tempo / Non Past Due b. Telah jatuh tempo / Past Due Cadangan kerugian penurunan nilai (CKPN) – Individual / Allowance for Impairment Losses - Individual Cadangan kerugian penurunan nilai (CKPN) – Kolektif / Allowance for Impairment Losses - Collective Tagihan yang dihapus buku / Written-Off Receivables

Area 1 : Jakarta Area 2 : Jawa Barat - West Java $UHD-DZD7HQJDK Central Java $UHD-DZD7LPXUEast Java Area 5 : Sumatera & Kalimantan Area 6 : Indonesia Timur (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) - Eastern Indonesia (Bali, Sulawesi, Nusa Tenggara, Maluku & Papua) Area 7 : Di luar Indonesia - Overseas

76

76

PT Bank Mizuho Indonesia, 2012 Annual Report PT Bank Mizuho Indonesia, 2010 Annual Report


Tabel 2.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara Individual Table 2.5 Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only (Jutaan Rupiah / Millions Rupiah)

Sektor Ekonomi / Economic Sectors

Tagihan yang mengalami penurunan nilai / Impaired Receivable

Tagihan / Receivables

Belum Jatuh Tempo / Non Past Due

Telah Jatuh Tempo / Past Due

Cadangan Cadangan kerugian kerugian Penurunan nilai Penurunan nilai (CKPN)(CKPN)Kolektiif / Individual / Allowance for Allowance for Impairment Impairment Losses Losses Collective Individual

Tagihan yang yang dihapus buku / Written-Off Receivables

'HVHPEHU December 31, 2012 Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and Forestry Perikanan / Fishery Pertambangan dan Penggalian / Mining and Quarrying

-

-

-

2.970

-

Industri Pengolahan / Manufacturing Listrik, Gas dan Air / Electricity, Gas and Water Konstruksi / Construction

-

-

-

615

-

-

-

-

-

-

-

-

-

-

-

Perdagangan Besar dan Eceran / Wholesale and Retail Trading Penyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & Beverage Transportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and Communications Perantara Keuangan / Financial Intermediary Real Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business Services Administrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense and Compulsory Social Security Jasa Pendidikan / Education Services Jasa Kesehatan dan Kegiatan Sosial / Health Services and Social Activity

-

927

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal Services Jasa Perorangan yang Melayani Rumah Tangga / Personal Services Serving Households Badan Internasional dan Badan Ekstra Internasional Lainnya / International Institution and Other Extra International Agencies Kegiatan yang Belum Jelas Batasannya / 8QGHÀQHG$FWLYLWLHV Bukan Lapangan Usaha / Non Business Field Lainnya / Others Total



77

77


Tabel 2.6 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual 7DEOH0RYHPHQWVRI$OORZDQFHIRU,PSDLUPHQW/RVVHV'LVFORVXUH%DQN2QO\ (Jutaan Rupiah / Million Rupiah)

Keterangan / Description

Saldo awal CKPN / Beginning Balance - Allowance for Impairment Losses Pembentukan (pemulihan) CKPN pada periode berjalan (Bersih) / Additional (reversal) allowance for impairment losses during the year (Net) 2.a Pembentukan CKPN pada periode berjalan / Additional allowance for impairment losses during the year 2.b Pemulihan CKPN pada periode berjalan / Reversal allowance for impairment losses during the year CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan / Allowance for impairment losses used for written off receivables during the year Pembentukan (pemulihan) lainnya pada periode berjalan / Other additional (reversal) of allowance during the year Saldo akhir CKPN / Ending Balance

PTPT Bank Mizuho Indonesia, 2012 Annual Report Bank Mizuho Indonesia, 2010 Annual Report

78

'HVHPEHU December 31, 2012 CKPN Kolektif / CKPN Individual / Allowance for Allowance for Impairment Losses Impairment Losses Individual Collective 100.000

175.662

(50.000)

121.110

-

-

6.907


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ.DWHJRUL3RUIROLRG Table 3.1 Disclosure of Net Receivables by Portfolio and

'HVHPEHUDecember 31, 2

Lembaga Peringkat /

Peringkat Jangka Panjang /

Rating Company

Long Term Rating

Standard and Kategori Portofolio / Portfolio Category

Poor’s Fitch Rating

AAA

A+ to A-

AA+ to AA-

BBB+ to BBB-

BB+ to BB-

AAA

AA+ to AA-

A+ to A-

BBB+ to BBB-

Moody’s PT. Fitch

Aaa

$DWR$D

$WR$

%DDWR%DD

BB+ to BB%DWR%D

Ratings Indonesia

AAA (idn)

AA+(idn) to AA(idn)

A+(idn) to A(idn)

BBB+(idn) to BBB-(idn)

BB+(idn) to BB-(idn)

PT. ICRA Indonesia

[Idr]AAA

[Idr]AA+ to [Idr] AA-

[Idr]A+ to

[Idr]BB+ to

PT. PEFINDO

idAAA

idAA+ to idAA-

idA to idA-

[Idr]BBB+ to [Idr]BBBidBBB+ to

[Idr]A-

[Idr]BBidBB to idBB-

idBBB-

Tagihan Kepada Pemerintah / Receivables on Sovereigns

-

-

-

-

Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities

-

-

-

-

2.102.691

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and

-

-

-

-

1.291

1.171

-

1.291

International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan kepada Korporasi / Receivables on Corporate Tagihan yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Usaha Syariah / Exposures at Sharia Based Business Activity Unit TOTAL



79

79


7DEHO3HQJXQJNDSDQ5LVLNR.UHGLW3LKDN/DZDQ7UDQVDNVL'HULYDWLI 7DEOH'LVFORVXUHRI&RXQWHUSDUW\&UHGLW5LVN'HULYDWLYH7UDQVDFWLRQ (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31, 2012

< 1 Tahun / \HDU

> 1 Tahun < 5 Tahun / !\HDU\HDUV

> 5 Tahun / > 5 year

Tagihan Derivatif / Derivative Receivables

Tagihan Bersih sebelum MRK / Net Receivables before CRM

MRK / CRM

Tagihan Bersih setelah MRK / Net Receivables after CRM

BANK SECARA INDIVIDUAL Suku Bunga / Interest Rate Nilai Tukar / Foreign Exchange

1.510.557

-

175.651

Lainnya / Others TOTAL

197.017


80

Kewajiban Derivatif / Derivative Liabilities

Notional Amount

Variabel yang Mendasari / Underlying Variables


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKEHUGDVDUNDQ%RERW5LVLNR6HW Memperhitungankan Dampak Mitigasi Risiko Kredit - Bank secara Indiv Table 4.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigati 'HVHPEHU December 31, 2012

Kategori Portofolio /

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

Portfolio Category 0%

Eksposur Neraca / Balance Sheet Exposures Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur Neraca / Total Exposures - Balance Sheet Eksposur Kewajban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet Commitment/Contigency Receivables Exposures Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur TRA / Total Exposures - Off Balance Sheets Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur Counterparty Credit Risk / Total Exposures - Counterparty Credit Risk

20%

50%

75%

2.952.715

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

15.950

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-



81


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKGDQ7HNQLN0LWLJDVL5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31, 2012


A Eksposur Neraca / Balance Sheet Exposures Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai / Pensiunan / Employee / Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur Neraca / Total Exposures - Balance sheet B Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet Exposures Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur TRA / Total Exposures - Off Balance Sheets


82

Bagian yang Dijamin Dengan / Portion Secured by

Tagihan Bersih / Net Receivables Agunan / Collateral

Asuransi Kredit / Credit Insurance

Garansi / Guarantee

Bagian Yang Tidak Dijamin / Unsecured Portion

Lainnya / Others

2.952.715

-

-

-

2.952.715

2.102.691

-

-

-

-

-

-

-

-

-

-

-

-

-

-

57.125

-

1.675.592 -

-

57.125

-

-

-

-

-

-

1.675.592

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-


7DEHO3HQJXQJNDSDQ7DJLKDQ%HUVLKGDQ7HNQLN0LWLJDVL5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO/DQMXWDQ Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only (Continued) (Jutaan Rupiah / Millions Rupiah) 'HVHPEHUDecember 31, 2012


C Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit Risk Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Eksposur di Unit Syariah / Exposures at Sharia Based Business Activity Unit Total Eksposur Counterparty Credir Risk Total Exposures - Counterparty Credit Risk Total (A+B+C)

Bagian yang Dijamin Dengan / Portion Secured by

Tagihan Bersih / Net Receivables Agunan / Collateral

Asuransi Kredit / Credit Insurance

Garansi/ Guarantee

Bagian Yang Tidak Dijamin / Unsecured Portion

Lainnya / Others

-

-

-

-

-

-

-

-

-

-

269.252

-

-

-

-

269.252

-

-

-

-

-

-

-

-

-

-

-



83


Tabel 5.1.1 Pengungkapan Eksposur Aset di Neraca - Bank secara Individual Table 5.1.1. Calculation of Risk Weighted Assets for Credit Risk under Standardized $SSURDFK2Q%DODQFH6KHHW$VVHWV([SRVXUHV%DQN2QO\ (Jutaan rupiah / Million Rupiah)

'HVHPEHU / December 31, 2012


ATMR Sebelum MRK / RWA before CRM

Tagihan Bersih / Net Receivables

Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables Aset Lainnya / Other Assets TOTAL

ATMR Setelah MRK / RWA after CRM

2.952.715 2.102.691

2.102.691

-

-

-

57.125

52.969

52.969 17.551.556

Tabel 5.1.2 Pengungkapan Eksposur Kewajiban Komitmen/ Kontinjensi pada Transaksi Rekening Administratif - Bank secara Individual 7DEOH&DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVNXQGHU6WDQGDUGL]HG$SSURDFK Off Balance Sheet Commitment/Contingency Exposures - Bank Only (Jutaan rupiah / Million Rupiah)



Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate Kredit Pegawai/Pensiunan / Employee/Retired Loans Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate Tagihan Yang Telah Jatuh Tempo / Past Due Receivables TOTAL


84

Tagihan Bersih / Net Receivables



-

-

-

-

-

-

-

-

-

-

-

-


7DEHO3HQJXQJNDSDQ(NVSRVXU\DQJ0HQLPEXONDQ5LVLNR.UHGLWDNLEDW.HJDJDODQ3LKDN/DZDQ (Counterparty Credit Risk) - Bank secara Individual 7DEOH&DOFXODWLRQRI5LVN:HLJKWHG$VVHWVIRU&UHGLW5LVNXQGHU6WDQGDUGL]HG$SSURDFK Counterparty Credit Risk Exposures - Bank Only (Jutaan rupiah / Million Rupiah)





-

-

-

-

-

269.252

271.276

Tagihan Bersih / Net Receivables Tagihan Kepada Pemerintah / Receivables on Sovereigns Tagihan Kepada Entitas Sektor Publik / Receivables on Public Sector Entities Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International Institutions Tagihan Kepada Bank / Receivables on Banks Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail Portfolio Tagihan Kepada Korporasi / Receivables on Corporate TOTAL

7DEHO3HQJXQJNDSDQ7RWDO3HQJXNXUDQ5LVLNR.UHGLW%DQNVHFDUD,QGLYLGXDO Table 5.1.4. Disclosure of Total Credit Risk Measurement - Bank Only (Jutaan rupiah / Million Rupiah) 'HVHPEHU December 31, 2012 TOTAL ATMR RISIKO KREDIT / TOTAL RWA FOR CREDIT RISK TOTAL FAKTOR PENGURANG MODAL / TOTAL CAPITAL DEDUCTION FACTOR

-

Tabel 6.1 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara Individual 7DEOH'LVFORVXUHRI0DUNHW5LVN8VLQJ6WDQGDUGL]HG0HWKRG%DQN2QO\ (Jutaan Rupiah / Million Rupiah)

Jenis Risiko / Type of Risk Risiko Suku Bunga / Interest Rate Risk D5LVLNR6SHVLÀN6SHFLÀF5LVN b. Risiko Umum / General Risk Risiko Nilai Tukar / Foreign Exchange Risk Risiko Ekuitas / Equity Risk Risiko Komoditas / Commodity Risk Risiko Option / Option Risk Total

'HVHPEHU / December 31, 2012 Bank Beban Modal / Capital Charge

ATMR / RWA

27.171 72.929



85


Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual Table 7. Quantitative Disclosure of Operational Risk - Bank Only (jutaan rupiah / million Rupiah)

Pendekatan Yang Digunakan / Indicator Approach

'HVHPEHU

/ December 31, 2012

3HQGDSDWDQ%UXWR5DWDUDWD tahun terakhir) / Average Gross Income in the past 3 years

Beban Modal / Capital Charge

Pendekatan Indikator Dasar / Basic Indicator Approach Total

ATMR / RWA

7DEHO3HQJXQJNDSDQ3URÀO0DWXULWDV5XSLDK%DQNVHFDUD,QGLYLGXDO 7DEHO'LVFORVXUHRI5XSLDK0DWXULW\3URÀOH No

I

II

Pos-pos / Account Neraca / Balance Sheet A. Aset / Assets 1. Kas / Cash 2. Penempatan pada Bank Indonesia / Placement with Bank Indonesia 3HQHPSDWDQSDGDEDQNODLQ Placement with other Bank 6XUDW%HUKDUJDMarketable Securities 5. Kredit yang diberikan / Loans 6. Tagihan Lainnya / Other Receivables 7. Lain-lain / Others Total Aset / Total Assets B. Liabilitas / Liabilities 1. Dana Pihak Ketiga / Deposits from Customer 2. Liabilitas kepada Bank Indonesia / Liabilities with Bank Indonesia Liabilitas kepada bank lain / Liabilities with other bank 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ Securities Issued 5. Pinjaman yang Diterima / Borrowings 6. Liabilitas Lainnya / Other Liabilities 7. Lain-lain / Others Total Liabilitas / Total Liabilities Selisih Aset dengan Liabilitas dalam Neraca / On Balance Sheet Asset and Liabilities Differences Rekening Administratif / Off Balance Sheet A. Tagihan Rekening Administratif / Off Balance Sheet Receivables 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables A. Liabilitas Rekening Administratif / Off Balance Sheet Liabilities 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total Liabilitas Rekening Administratif / Total Off Balance Sheet Liabilities Selisih Tagihan dan Liabilitas Rekening Administratif / Off Balance Sheet Assets and Liabilities Differences Selisih [(IA-IB) + (IIA-IIB)] / Differences Selisih Kumulatif / Cummulative Differences


86

'HVHPEHUDecember 31, 2012 Saldo / Balance

< 1 bulan / < 1 month

!EOQEOQ >1 month3 months

!EOQEOQ >3 months PRQWKV

>6 bln - 12 bln / !PRQWKV 12 months

>12 bulan / > 12 months

-

-

-

-

219.957

-

229

790.576

1.599

-

-

-

277

655

-

-

-

-

-

-

655

-

-

20.072

-

-

-

-

20.072

1.069.626

-

-

-

-

-


7DEHO3HQJXQJNDSDQ3URÀO0DWXULWDV9DODV%DQNVHFDUD,QGLYLGXDO 7DEHO'LVFORVXUHRI)RUHLJQ([FKDQJH0DWXULW\3URÀOH 'HVHPEHUDecember 31, 2012

No

I

II

Pos-pos / Account

Saldo / Balance

< 1 bulan / < 1 month

Neraca / Balance Sheet A. Aset / Assets 1. Kas / Cash 2. Penempatan pada Bank Indonesia / Placement with Bank Indonesia 3HQHPSDWDQSDGDEDQNODLQ Placement with other Bank 6XUDW%HUKDUJDMarketable Securities 727.690 5. Kredit yang diberikan / Loans 6. Tagihan Lainnya / Other Receivables 7. Lain-lain / Others 9.720.927 Total Aset / Total Assets B. Liabilitas / Liabilities 1. Dana Pihak Ketiga / Deposits from Customer 2. Liabilitas kepada Bank Indonesia / Liabilities with Bank Indonesia Liabilitas kepada bank lain / Liabilities with other bank 6XUDW%HUKDUJD\DQJ'LWHUELWNDQ Securities Issued 5. Pinjaman yang Diterima / Borrowings 6. Liabilitas Lainnya / Other Liabilities 7. Lain-lain / Others Total Liabilitas / Total Liabilities 7.117.012 Selisih Aset dengan Liabilitas dalam Neraca / On Balance Sheet Asset and Liabilities Differences Rekening Administratif / Off Balance Sheet A. Tagihan Rekening Administratif / Off Balance Sheet Receivables 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total Tagihan Rekening Administratif / Total Off Balance Sheet Receivables A. Liabilitas Rekening Administratif / Off Balance Sheet Liabilities 1. Komitmen / Commitment 2. Kontinjensi / Contingency Total Liabilitas Rekening Administratif / Total Off Balance Sheet Liabilities Selisih Tagihan danLiabilitas Rekening Administratif / Off Balance Sheet Assets and Liabilities Differences Selisih [(IA-IB) + (IIA-IIB)] / Differences Selisih Kumulatif / Cummulative Differences

!EOQVG 6 bln / >3 months PRQWKV

>1 bln s.d. EOQ >1 month 3 months

>6 bln s.d. 12 bln / !PRQWKV 12 months

>12 bulan / > 12 months

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

2.625.216 99.979

-

-

-

-

-

-

7.651.297 -

-

-

-

-

7.651.297

(1.250.017) (1.717.769) (1.905.101) (6.592.266) (1.717.769) (1.717.769)



87

Tabel Manajemen Risiko Risk Management Table

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