13. Risk Management Table - mizuhobank.co.id · 78 PT Bank Mizuho Indonesia, 2010 Annual Report 78 PT Bank Mizuho Indonesia, 2013 Annual Report Tagihan Kepada Pemerintah / Receivables

75PT Bank Mizuho Indonesia, 2010 Annual Report

71PT Bank Mizuho Indonesia, 2012 Annual Report 75PT Bank Mizuho Indonesia, 2013 Annual Report

TABEL MANAJEMEN RISIKO | Risk Management Table

Tabel Manajemen RisikoRisk Management Table

I KOMPONEN MODAL / CAPITAL COMPONENT

A . Modal Inti / Core Capital (Tier-1)

1. Modal disetor / Paid-in Capital

2. Cadangan Tambahan Modal / Additional Reserve Capital

3. Modal Inovatif / Innovative Capital Instruments

4. Faktor Pengurang Modal Inti / 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)

3. Faktor Pengurang Modal Pelengkap / 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

II TOTAL MODAL INTI DAN MODAL PELENGKAP (A+B-C) /

TOTAL OF 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 OF CORE CAPITAL, SUPPLEMENTARY CAPITAL,

AND ADDITIONAL SUPPLEMENTARY FOR MARKET RISK ANTICIPATION (A+B-C+E)

IV ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT /

RISK WEIGHTED ASSET FOR CREDIT RISK

V ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL /

RISK WEIGHTED ASSET FOR OPERATIONAL RISK

VI ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR /

RISK WEIGHTED ASSET FOR MARKET RISK

A Metode Standar / Standardized Method

B Model Internal / Internal Model

VII RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO

KREDIT, RISIKO OPERASIONAL DAN RISIKO PASAR [III: (IV+V+VI)] /

RISK AND MARKET RISK [III: (IV+V+VI)]

3.278.485

1.323.574

1.954.911

-

-

-

228.920

228.920

-

-

-

-

-

-

3.507.405

3.507.405

19.178.233

1.234.935

72.929

72.929

-

17,12%

31 Desember 2012

December 31, 2012

Tabel 1 Pengungkapan Struktur Permodalan - Bank secara Individual / Table 1 Disclosure of Capital Structure – Bank Only

5.582.185

3.269.574

2.312.611

-

-

-

364.896

364.896

-

-

-

-

-

-

5.947.081

5.947.081

29.485.660

1.324.525

67.805

67.805

-

19,26%

31 Desember 2013 December 31, 2013

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

175.662

(14.716)

121.110

(135.826)

-

6.907

167.853

(Jutaan Rupiah / Million Rupiah)

Tabel 2.1 Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank Individual Table 2.1 Movements of Allowance for Impairment Losses Disclosure - Bank Only

100.000

77.412

127.412

(50.000)

-

-

177.412

CKPN Individual /Allowance for

Impairment Losses - Individual

CKPN Kolektif /Allowance for

Impairment Losses - Collective

31 Desember 2012 / December 31, 2012

Keterangan /

Description

167.853

104.297

183.110

(78.813)

-

45.327

317.477

177.412

328

133.728

(133.400)

-

33.599

211.339

CKPN Individual /Allowance for

Impairment Losses - Individual

CKPN Kolektif /Allowance for

Impairment Losses - Collective




76 PT Bank Mizuho Indonesia, 2013 Annual Report

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

Eksposur di Unit Syariah /

Exposures at Sharia

Based Business Activity Unit

Jumlah / Total

-

-

-

-

-

-

-

3

140.761

-

-

-

140.764

-

-

-

-

-

-

-

-

730.023

-

-

-

730.023

-

-

-

-

-

-

-

-

1.967.806

-

-

-

1.967.806

-

916.478

-

-

-

-

-

5

7.302

-

-

-

923.785

-

-

-

597.262

-

-

-

-

948.951

-

-

-

1.546.213

5.265.316

3.072.191

-

4.783.833

-

-

-

42.142

30.252.989

-

60.864

-

43.477.335

Area 3 Area 4 Area 5 Area 6 Area 7 Total

Tabel 2.2 Pengungkapan Tagihan Bersih berdasarkan Wilayah - Bank secara IndividualTable 2.2 Disclosure of Net Receivables by Area - Bank Only

31 Desember 2013 / December 31 2013

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Area 2Area 1

Kategori Portofolio /

Portfolio Category

5.265.316

1.810.280

-

4.186.571

-

-

-

16.620

14.347.633

-

60.864

-

25.687.284

-

345.433

-

-

-

-

-

25.514

12.110.513

-

-

-

12.481.460

Area 1 : Jakarta

Area 2 : Jawa Barat - West Java

Area 3 : Jawa Tengah - Central Java

Area 4 : Jawa Timur - East 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




-

-

-

-

-

-

-

-

119.810

-

-

-

119.810

-

-

-

-

-

-

-

-

531.615

-

-

-

531.615

-

-

-

-

-

-

-

10

1.163.593

-

-

-

1.163.603

-

-

-

-

-

-

-

12

4.821

-

-

-

4.833

-

-

-

582.672

-

-

-

-

1.014.724

-

-

-

1.597.396

2.954.643

2.102.691

-

3.017.464

-

-

-

36.447

20.877.703

-

57.125

-

29.046.073

(Jutaan Rupiah / Millions Rupiah)


31 Desember 2012 / December 31 2012

Tagihan Bersih Berdasarkan Wilayah / Net Receivables by Area

Area 2Area 1

2.954.643

1.792.603

-

2.434.792

-

-

-

14.413

11.652.555

-

57.125

-

18.906.131

-

310.088

-

-

-

-

-

22.012

6.390.585

-

-

-

6.722.685





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




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 /


Tagihan Yang Telah Jatuh Tempo /

Past Due Receivables

Aset Lainnya /

Other Assets


Exposures at Sharia Based Business Activity Unit

Jumlah / Total

2.231.446

895.301

-

3.346.558

-

-

-

390

21.276.141

-

-

-

27.749.836

-

91.567

-

1.209.127

-

-

-

1.936

4.185.167

-

-

-

5.487.797

-

1.739.890

-

87.381

-

-

-

4.026

2.829.796

-

-

-

4.661.093

187.330

345.433

-

4.558

-

-

-

35.790

1.961.885

-

-

-

2.534.996

2.846.540

-

-

136.209

-

-

-

-

-

-

60.864

-

3.043.613

5.265.316

3.072.191

-

4.783.833

-

-

-

42.142

30.252.989

-

60.864

-

43.477.335

>1 tahun - 3 tahun>1 year – 3 year

>3 tahun – 5 tahun

>3 year – 5 year

> 5 tahun> 5 year

Non-KontraktualNon-Contractual

Total

Tabel 2.3 Pengungkapan Tagihan Bersih berdasarkan Sisa Jangka Waktu Kontrak - Bank secara IndividualTable 2.3 Disclosure of Net Receivables by Contractual Maturity – Bank Only


Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual MaturityKategori Portofolio /

Portfolio Category




966.938

958.423

-

1.589.526

-

-

-

322

15.359.665

-

-

-

18.874.874

-

-

-

871.631

-

-

-

2.278

2.741.308

-

-

-

3.615.217

-

834.180

-

25.470

-

-

-

2.367

1.009.678

-

-

-

1.871.695

192.775

310.088

-

14.241

-

-

-

31.480

1,767.052

-

-

-

2.315.636

1.794.930

-

-

516.596

-

-

-

-

-

-

57.125

-

2.368.651

2.954.643

2.102.691

-

3.017.464

-

-

-

36.447

20.877.703

-

57.125

-

29.046.073


>1 tahun - 3 tahun>1 year – 3 year

>3 tahun – 5 tahun

>3 year – 5 year

> 5 tahun> 5 year

Non-KontraktualNon-Contractual

Total


Tagihan Bersih Berdasarkan Sisa Jangka Waktu / Net Receivables by Contractual Maturity



-

-------

-

4.650.932-

614.384

--

-

-

-

---

5.265.316 -

-------

-

2.760.269-

194.374

--

-

-

-

---

2.954.643

-

-2.726.758

-345.433

---

-

--

-

--

-

-

-

---

3.072.191 -

-1.792.603

-310.088

---

-

--

-

--

-

-

-

---

2.102.691

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

4.783.833-

-

--

-

-

-

---

4.783.833 -

-------

-

3.017.464-

-

--

-

-

-

---

3.017.464

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----



TagihanKepada Entitas Sektor Publik /

Receivables on Public

Sector Entities

Tagihan Kepada Bank Pembangunan

Multilateral dan Lembaga Internasional /

Receivables on Multilateral

Development Banks and International

Institutions



Kredit Beragun Rumah Tinggal /Loans Secured by

Residential Property

Tabel 2.4 Pengungkapan Tagihan Bersih berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.4 Disclosure of Net Receivables by Economic Sectors - Bank Only

Sektor Ekonomi /

Economic Sectors


31 Desember 2013 / December 31, 2013Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian / Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale & Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total31 Desember 2012 / December 31, 2012Pertanian, Perburuan dan Kehutanan / Agriculture, Hunting and ForestryPerikanan / FisheryPertambangan dan Penggalian /Industri Pengolahan / ManufacturingListrik, Gas dan Air / Electricity, Gas and WaterKonstruksi / ConstructionPerdagangan Besar dan Eceran / Wholesale &Retail TradingPenyediaan Akomodasi dan Penyedian Makan Minum / Hotel and Food & BeverageTransportasi, Pergudangan dan Komunikasi / Transportation, Warehousing and CommunicationsPerantara Keuangan / Financial IntermediaryReal Estate, Usaha Persewaan dan Jasa Perusahaan / Real Estate, Rental and Business ServicesAdministrasi Pemerintah, Pertahanan dan Jaminan Sosial Wajib / Public Administration, Defense & Compulsory Social SecurityJasa Pendidikan / Education ServicesJasa Kesehatan dan Kegiatan Sosial / Human Health and Social Work ActivitiesJasa Kemasyarakatan, Sosial Budaya, Hiburan Perorangan Lainnya / Public, Socio-Culture, Entertainment and Other Personal ServicesJasa Perorangan yang Melayani Rumah Tangga / Activities of Households as EmployersBadan Internasional dan Badan Ekstra Internasional Lainnya/ International Institution & Other Extra International AgenciesKegiatan yang Belum Jelas Batasannya / Bukan Lapangan Usaha / Non Business FieldLainnya / OthersJumlah / Total




-

-------

-

--

-

--

-

-

-

-41.163

97942.142

-

-------

-

--

-

--

-

-

-

-35.248

1.19936.447

1.093.426

-256.379

16.869.372-

533.6152.542.984

-

716.877

6.735.4681.504.868

-

--

-

-

-

---

30.252.989

693.460

1482.787

10.113.490-

418.9252.539.035

-

808.779

5.095.5531.125.660

-

--

-

-

-

---

20.877.703

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

--

60.86460.864

-

-------

-

--

-

--

-

-

-

--

57.12557.125

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----


Tagihan Kepada Usaha Mikro, Usaha

Kecil danPortofolio Ritel /

Receivables on Micro, Small Business &

Retail Portfolio

Tagihan KepadaKorporasi /


Tagihan Yang Telah Jatuh Tempo /

Past Due Receivables

Aset Lainnya /

Other Assets


Exposures at Sharia Based Business Activity

Unit

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----

-

-------

-

--

-

--

-

-

-

----



Kredit Pegawai/ Pensiunan /

Employee /Retired Loans




Tagihan /

Receivables

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

132.323

266.729

-

211.339

457

-

705.438

-

-

-

14.219

-

1.809.532

-

-

-

75.561

-

923.785

-

-

-

2.009

-

522.235

-

-

-

1.020

-

40.882.787

266.729

-

211.339

317.477

-


Tabel 2.5 Pengungkapan Tagihan dan Pencadangan berdasarkan Wilayah - Bank secara Individual Table 2.5 Disclosure of Receivables and Provisioning based on Area - Bank Only


Tagihan Berdasarkan Wilayah / Receivables by Area

Area 2Area 1

Keterangan /

Description

24.800.856

-

-

-

125.022

-

11.988.618

-

-

-

99.189

-

Area 1 : Jakarta

Area 2 : Jawa Barat - West Java

Area 3 : Jawa Tengah - Central Java

Area 4 : Jawa Timur - East 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




113.262

227.412

-

177.412

222

-

519.590

-

-

-

15.850

-

1.041.708

-

-

-

22.716

-

4.832

-

-

-

42

-

523.382

-

-

-

551

-

26.820.029

227.412

-

177.412

167.853

-




Tagihan Berdasarkan Wilayah / Receivables by Area

Area 2Area 1

18.341.910

-

-

-

89.460

-

6.275.345

-

-

-

39.012

-



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 & Eceran /Wholesale & 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 & Jaminan Sosial

Wajib / Public Administration, Defense & Compulsory Social

Security

Jasa Pendidikan / Education Services

Jasa Kesehatan dan Kegiatan Sosial /Health Services and

Social Activity

Jasa Kemasyarakatan, Sosial Budaya, Hiburan & Perorangan

Lainnya /Public, Socio-Culture, Entertainment and Other

Personal Services

Jasa Perorangan yang Melayani Rumah Tangga / Personal

Services Serving Households

Badan Internasional & Badan Ekstra Internasional Lainnya /

International Institution & Other Extra International Agencies

Kegiatan yang Belum Jelas Batasannya /

Bukan Lapangan Usaha / Non Business Field

Lainnya / Others

Jumlah / Total

1.093.426

-

2.977.752

15.366.890

345.433

290.642

2.333.414

-

832.416

15.475.285

1.450.139

614.384

-

-

-

-

-

-

41.163

61.843

40.882.787

-

-

-

-

-

-

-

-

266.729

-

-

-

-

-

-

-

-

-

-

-

266.729

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

211.339

-

-

-

-

-

-

-

-

-

-

-

211.339

7.447

-

6.534

267.093

750

1.957

7.978

-

3.038

11.074

11.199

407

-

-

-

-

-

-

-

-

317.477

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

Tagihan /Receivables

Belum Jatuh Tempo /

Non Past Due

Telah Jatuh Tempo /Past Due

Cadangan kerugian

Penurunan nilai (CKPN)-

Individual /Allowance for Impairment

Losses - Individual

Cadangan kerugian


Kolektiif /Allowance for Impairment

Losses - Collective

Tagihan yangyang dihapus

buku /Written-Off

Receivables

Tabel 2.6 Pengungkapan Tagihan dan Pencadangan berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.6 Disclosure of Receivables and Provisioning based on Economic Sectors - Bank Only

Sektor Ekonomi /

Economic Sectors

Tagihan yang mengalamipenurunan nilai /

Impaired Receivable





687.222

-

1.866.211

8.849.891

310.088

197.242

2.241.360

-

914.392

10.404.867

1.060.810

194.374

-

-

-

-

-

-

35.248

58.324

26.820.029

-

-

-

-

-

-

-

-

227.412

-

-

-

-

-

-

-

-

-

-

-

227.412

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

177.412

-

-

-

-

-

-

-

-

-

-

-

177.412

2.970

-

2.326

140.926

379

615

7.082

-

927

8.700

3.692

236

-

-

-

-

-

-

-

-

167.853

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-


Tagihan /Receivables

Belum Jatuh Tempo /

Non Past Due

Telah Jatuh Tempo /Past Due

Cadangan kerugian


Individual /Allowance for Impairment

Losses - Individual

Cadangan kerugian


Kolektiif /Allowance for Impairment

Losses - Collective

Tagihan yangyang dihapus

buku /Written-Off

Receivables

Tagihan yang mengalamipenurunan nilai /

Impaired Receivable





Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL

Standard and

Poor’s

Fitch Rating

Moody’s

PT. Fitch

Ratings

Indonesia

PT. ICRA

Indonesia

PT. PEFINDO

AAA

AAA

Aaa

AAA (idn)

[Idr]AAA

idAAA

AA+ to AA-

AA+ to AA-

Aa1 to Aa3

AA+(idn) to AA-

(idn)

[Idr]AA+ to [Idr]

AA-

idAA+ to idAA-

Lembaga Peringkat /Rating Company

Peringkat Jangka Panjang / Long Term Rating

Tabel 3.1 Pengungkapan Tagihan Bersih berdasarkan Kategori Porfolio dan Skala Peringkat - Bank secara IndividualTable 3.1 Disclosure of Net Receivables by Portfolio and Rating Category - Bank Only


Portfolio Category

Tagihan Bersih / Net Receivables

-

-

-

1.041.689-

-

--

1.651.319---

2.693.008

-

-

-

5.924-

-

--

262.633---

268.557

-

-

-

23.052-

-

--

----

23.052

-

-

-

70.441-

-

--

2.663.039---

2.733.480

A+ to A-

A+ to A-

A1 to A3

A+(idn) to A-

(idn)

[Idr]A+ to

[Idr]A-

idA to idA-

BBB+ to BBB-

BBB+ to BBB-

Baa1 to Baa3

BBB+(idn) to

BBB-(idn)

[Idr]BBB+ to

[Idr]BBB-

idBBB+ to

idBBB-


Tagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik /Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal /Loans Secured by Residential PropertyKredit Beragun Properti Komersial /Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /Receivables on Micro, Small Business & Retail PortfolioTagihan kepada Korporasi / Receivables on CorporateTagihan yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Usaha Syariah /Exposures at Sharia Based Business Activity Unit JUMLAH / TOTAL

-

-

-

850.382-

-

--

1.160.305---

2.010.687

-

-

-

1.171-

-

--

457.463---

458.634

-

-

-

1.291-

-

--

----

1.291

-

-

-

36.248-

-

--

2.113.052---

2.149.300





-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

2.288.805-

-

-42.142

24.465.064-

60.864-

26.856.875

5.265.316

3.072.191

-

4.783.833-

-

-42.142

30.252.989-

60.864-

43.477.335

Tanpa Peringkat

UnratedTotal

5.265.316

2.155.713

-

1.353.922-

-

--

1.155.544---

9.930.495

-

916.478

-

--

-

--

----

916.478

-

-

-

--

-

--

55.390---

55.390

-

-

-

--

-

--

----

-

A-2

F2

P-2

F2(idn)

[Idr]A2+ to

[Idr]A2

idA2

A-3.

F3

P-3

F3(idn)

[Idr]A3+ to

[Idr] A3

idA3 to

idA4

BB+ to BB-

BB+ to BB-

Ba1 to Ba3

BB+(idn) to

BB-(idn)

[Idr]BB+ to

[Idr]BB-

idBB to idBB-

B+ to B-

B+ to B-

B1 to B3

B+(idn) to

B-(idn)

[Idr]B+ to [Idr]B-

idB+ to B-

Kurang dari B-

Lower than B-

Kurang dari B-Lower than B-

Kurang dari B3Lower than B3

Kurang dari B-(idn)

Lower than B-(idn)

Kurang dari [Idr]B-

Lower than [Idr]B-

Kurang dari id B-

Lower than idB-

A-1

F1+ to F1

P-1

F1+(idn) to

F1(idn)

[Idr]A1+ to

[Idr]A1

idA1

Kurang dari A-3

Lower than A-3

Kurang dari F3Lower than F3

Kurang dari P-3Lower than P-3

Kurang dari F3(idn)

Lower than F3(idn)

Kurang dari [Idr]A3

Lower than [Idr]A3

Kurang dari id A4

Lower than id A4

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

--

-

--

----

-

-

-

-

1.298.420-

-

-36.447

16.183.092-

57.125-

17.575.084

2.954.643

2.102.691

-

3.017.464-

-

-36.447

20.877.703-

57.125-

29.046.073

2.954.643

2.102.691

-

829.952-

-

--

913.791---

6.801.077

-

-

-

--

-

--

----

-

-

-

-

--

-

--

50.000---

50.000

-

-

-

--

-

--

----

-

Peringkat Jangka Pendek / Short Term RatingPeringkat Jangka Panjang / Long Term Rating

Tagihan Bersih / Net Receivables



BANK SECARA INDIVIDUAL

Suku Bunga / Interest Rate

Nilai Tukar / Foreign Exchange

Lainnya / Others

TOTAL

101.281

-

-

101.281

16.596

381.889

-

398.485

13.405

368.242

-

381.647

158.529

550.339

-

708.868

2.794

307

-

3.101

155.735

550.032

-

705.767

2.257.378

2.329.482

-

4.586.860

866.178

4.032.913

-

4.899.091

> 5 Tahun /> 5 year

TagihanDerivatif /Derivative

Receivables

KewajibanDerivatif /Derivative Liabilities

Tagihan Bersih

sebelumMRK /

Net Receivables before CRM

MRK /CRM

Tagihan BersihsetelahMRK /

Net Receivables after CRM

Tabel 3.2 Pengungkapan Risiko Kredit Pihak Lawan: Transaksi DerivatifTable 3.2 Disclosure of Counterparty Credit Risk : Derivative Transaction

Variabel yang Mendasari /

Underlying Variables< 1 Tahun / > 1 Tahun -

< 5 Tahun /

Notional Amount





BANK SECARA INDIVIDUAL

Suku Bunga / Interest Rate

Nilai Tukar / Foreign Exchange

Lainnya / Others

TOTAL

315.834

-

-

315.834

21.366

175.651

-

197.017

14.478

164.865

-

179.343

133.430

356.417

-

489.847

1.613

3.758

-

5.371

131.817

352.659

-

484.476


> 5 Tahun /> 5 year

TagihanDerivatif /Derivative

Receivables

KewajibanDerivatif /Derivative Liabilities

Tagihan Bersih

sebelumMRK /

Net Receivables before CRM

MRK /CRM

Tagihan BersihsetelahMRK /

Net Receivables after CRM

Variabel yang Mendasari /

Underlying Variables

1.510.557

2.201.499

-

3.712.056

55.782

5.968.488

-

6.024.270

< 1 Tahun / > 1 Tahun - < 5 Tahun /

Notional Amount




Eksposur Neraca / Balance Sheet Exposures

Tagihan Kepada Pemerintah / Receivables on Sovereigns



Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional /

Receivables on Multilateral Development Banks and International

Institutions

Tagihan Kepada Bank / Receivables on Banks





Kredit Pegawai/Pensiunan / Employee/Retired Loans

Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel /


Tagihan Kepada Korporasi / Receivables on Corporate

Tagihan Yang Telah Jatuh Tempo / Past Due Receivables

Aset Lainnya / Other Assets



Total Eksposur Neraca / Total Exposures - Balance Sheet

Eksposur Kewajban Komitmen/Kontinjensi pada Transaksi

Rekening Administratif /

Off Balance Sheet Commitment/Contigency Receivables

Exposures





Internasional / Receivables on Multilateral Development Banks

and International Institutions













Total Eksposur TRA / Total Exposures - Off Balance Sheets

Eksposur akibat Kegagalan Pihak Lawan /

Counterparty Credit Risk





Internasional / Receivables on Multilateral Development Banks

and International Institutions







Total Eksposur Counterparty Credit Risk /

Total Exposures - Counterparty Credit Risk

5.265.316

-

-

-

-

-

-

-

87.928

-

4.940

-

5.358.184

-

-

-

-

-

-

-

-

2.296

-

-

2.296

-

-

-

-

-

3.101

-

3.101

-

-

-

2.539.898

-

-

-

-

2.575.974

-

-

-

5.115.872

-

-

-

-

-

-

-

-

36.682

-

-

36.682

-

-

-

83.123

-

50.382

-

133.505

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0% 20% 35% 40% 45%

Tabel 4.1 Pengungkapan Tagihan Bersih berdasarkan Bobot Risiko Setelah Memperhitungankan Dampak Mitigasi Risiko Kredit - Bank secara Individual Table 4.1 Disclosure of Net Receivables by Risk Weight after Credit Risk Mitigation - Bank Only


Portfolio Category

-

1.354.673

-

975.645

-

-

-

-

20.352.711

-

55.924

-

22.738.953

-

-

-

-

-

-

-

-

1.053.960

-

-

1.053.960

-

-

-

-

-

104.437

-

104.437

-

-

-

-

-

-

-

-

55.390

-

-

-

55.390

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

100% 150%Lainnya /

Others

-

1.717.518

-

732.768

-

-

-

-

4.910.621

-

-

-

7.360.907

-

-

-

-

-

-

-

-

1.004.081

-

-

1.004.081

-

-

-

452.399

-

15.426

-

467.825

-

-

-

-

-

-

-

42.142

-

-

-

-

42.142

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

50% 75%

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

31 Desember 2013 /December 31, 2013




-

2.213.432

-

1.850.009

-

-

-

31.607

23.406.301

-

55.924

-

27.557.273

-

-

-

-

-

-

-

-

1.563.337

-

-

1.563.337

-

-

-

242.824

-

122.226

-

365.050

-

177.075

-

148.001

-

-

-

2.529

1.872.504

-

4.474

-

2.204.582

-

-

-

-

-

-

-

-

125.067

-

-

125.067

-

-

-

19.426

-

9.778

-

29.204


ATMR /RWA

Beban Modal /Capital Charge

2.952.715

-

-

-

-

-

-

-

15.950

-

4.156

2.972.821

-

-

-

-

-

-

-

-

2.367

-

-

2.367

1.928

-

-

-

-

5.372

-

7.300

-

-

-

1.302.996

-

-

-

-

2.007.073

-

-

-

3.310.069

-

-

-

-

-

-

-

-

25.243

-

-

25.243

-

-

-

45.409

-

80.736

-

126.145

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

0% 20% 35% 40% 45%

-

900.444

-

483.576

-

-

-

-

11.864.146

-

52.969

-

13.301.135

-

-

-

-

-

-

-

-

825.450

-

-

825.450

-

-

-

289

-

124.657

-

124.946

-

-

-

-

-

-

-

-

50.000

-

-

-

50.000

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

1.501.568

-

1.224.995

-

-

-

27.335

14.744.690

-

52.969

-

17.551.557

-

-

-

-

-

-

-

-

1.360.773

-

-

1.360.773

-

-

-

121.148

-

144.756

-

265.904

-

120.125

-

98.000

-

-

-

2.187

1.179.575

-

4.238

-

1.404.125

-

-

-

-

-

-

-

-

108.862

-

-

108.862

-

-

-

9.692

-

11.580

-

21.272

100% 150%Lainnya /

Others

ATMR /RWA


-

1.202.247

-

961.640

-

-

-

-

4.808.258

-

-

-

6.972.145

-

-

-

-

-

-

-

-

1.060.548

-

-

1.060.548

-

-

-

223.554

-

7.903

-

231.457

-

-

-

-

-

-

-

36.447

-

-

-

-

36.447

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

-

50% 75%

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

31 Desember 2012 /December 31, 2012



Eksposur Neraca / Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai / Pensiunan / Employee / Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesAset Lainnya / Other AssetsEksposur di Unit Syariah / Exposures at Sharia Based Business Activity UnitTotal Eksposur Neraca / Total Exposures - Balance sheetEksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif / Off Balance Sheet ExposuresTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksKredit Beragun Rumah Tinggal / Loans Secured by Residential PropertyKredit Beragun Properti Komersial / Loans Secured by Commercial Real EstateKredit Pegawai/Pensiunan / Employee/Retired LoansTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business & Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateTagihan Yang Telah Jatuh Tempo / Past Due ReceivablesEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur TRA /Total Exposures - Off Balance Sheets

Eksposur akibat Kegagalan Pihak Lawan / Counterparty Credit RiskTagihan Kepada Pemerintah / Receivables on SovereignsTagihan Kepada Entitas Sektor Publik / Receivables on Public Sector EntitiesTagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional / Receivables on Multilateral Development Banks and International InstitutionsTagihan Kepada Bank / Receivables on BanksTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel / Receivables on Micro, Small Business and Retail PortfolioTagihan Kepada Korporasi / Receivables on CorporateEksposur di Unit Syariah /Exposures at Sharia Based Business Activity UnitTotal Eksposur Counterparty Credir Risk / Total Exposures - Counterparty Credit Risk

Total (A+B+C)

5.265.3163.072.191

-

4.248.311-

-

-42.142

27.982.624-

60.864-

40.671.448

--

-

--

-

--

2.097.019--

2.097.019

--

-

535.522-

173.346-

708.868

43.477.335

-1.717.518

-

365.100-

-

--

2.167.477--

-4.250.095

--

-

--

-

--

610.490--

610.490

--

-

--

--

-

4.860.585

--

-

--

-

--

2.092.762---

2.092.762

--

-

--

-

--

390.502--

390.502

--

-

--

3.101-

3.101

2.486.365

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

5.265.3161.354.673

-

3.883.211-

-

-42.142

23.722.385-

60.864-

34.328.591

--

-

--

-

--

1.096.027--

1.096.027

--

-

535.522-

170.245-

705.767

36.130.385

Tagihan Bersih /Net Receivables

Agunan /Collateral

Garansi /Guarantee

AsuransiKredit /Credit

Insurance

Lainnya /Others

Bagian YangTidak Dijamin /

Unsecured Portion

Tabel 4.2 Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual Table 4.2 Disclosure of Net Receivables and Credit Risk Mitigation Techniques - Bank Only


Portfolio Category

Bagian yang Dijamin Dengan /Portion Secured by





2.952.7152.102.691

-

2.748.212-

-

-36.447

18.745.427-

57.125-

26.642.617

--

-

--

-

--

1.913.608--

1.913.608

1.928-

-

269.252-

218.668-

489.848

29.046.073

-1.202.247

-

289.125-

-

--

2.975.549---

4.466.921

--

-

--

-

--

804.177--

804.177

--

-

--

--

-

5.271.098

--

-

--

-

--

1.675.592---

1.675.592

--

-

--

-

--

249.450--

249.450

--

-

--

10.744-

10.744

1.935.786

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

--

-

--

-

--

----

-

--

-

--

-

--

---

-

--

-

--

--

-

-

2.952.715900.444

-

2.459.087-

-

-36.447

14.094.286-

57.125-

20.500.104

--

-

--

-

--

859.981--

859.981

1.928-

-

269.252-

207.924-

479.104

21.839.189


Tagihan Bersih /Net Receivables

Agunan /Collateral

Garansi /Guarantee

AsuransiKredit /Credit

Insurance

Lainnya /Others

Bagian YangTidak Dijamin /

Unsecured Portion

Bagian yang Dijamin Dengan /Portion Secured by





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


Kredit Beragun Rumah Tinggal / Loans Secured by Residential Property

Kredit Beragun Properti Komersial / Loans Secured by Commercial Real Estate



Receivables on Micro, Small Business and Retail Portfolio



Aset Lainnya / Other Assets

TOTAL

-

1.501.568

-

1.224.995

-

-

-

27.335

14.744.689

-

52.969

17.551.556

(Jutaan rupiah / Million Rupiah)

Tabel 5.1 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Aset di Neraca Table 5.1. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method

-

2.102.691

-

1.369.558

-

-

-

27.335

16.863.138

-

52.969

20.415.691

ATMR Sebelum

MRK / RWA before CRM

ATMR SetelahMRK /RWA after CRM

31 Desember 2012 / December 31, 2012Kategori Portofolio /

Portfolio Category

2.952.715

2.102.691

-

2.748.212

-

-

-

36.447

18.745.427

-

57.125

26.642.617

TagihanBersih /Net Receivables

-

2.213.432

-

1.850.009

-

-

-

31.607

23.406.301

-

55.924

27.557.273

-

3.072.191

-

2.032.559

-

-

-

31.607

25.368.175

-

-

30.504.532

ATMR Sebelum

MRK / RWA before CRM


5.265.316

3.072.191

-

4.248.311

-

-

-

42.142

27.982.624

-

60.864

40.671.448

TagihanBersih /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


Kredit Beragun Rumah Tinggal / Loans Secured by

Residential Property

Kredit Beragun Properti Komersial / Loans Secured by

Commercial Real Estate


Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio

Ritel / Receivables on Micro, Small Business & Retail

Portfolio



TOTAL

-

-

-

-

-

-

-

-

1.360.773

-

1.360.773


Tabel 5.2 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening AdministratifTable 5.2. Calculation of RWA for Credit Risk under Standardized Approach: Off Balance Sheet Commitment/Contingency Exposures

-

-

-

-

-

-

-

-

1.618.844

-

1.618.844

ATMR SebelumMRK /

RWA before CRM

ATMR SetelahMRK /

RWA after CRM


Portfolio Category

-

-

-

-

-

-

-

-

1.913.608

-

1.913.608

TagihanBersih /

Net Receivables

-

-

-

-

-

-

-

-

1.563.337

-

1.563.337

-

-

-

-

-

-

-

-

1.831.092

-

1.831.092

ATMR SebelumMRK /

RWA before CRM

ATMR SetelahMRK /

RWA after CRM

-

-

-

-

-

-

-

-

2.097.019

-

2.097.019

TagihanBersih /

Net Receivables








Internasional /

Receivables on Multilateral Development Banks and International

Institutions





TOTAL

-

-

-

242.824

-

122.226

365.050


Tabel 5.3 Perhitungan ATMR Risiko Kredit Pendekatan Standar: Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk) Table 5.3. Calculation of Risk Weighted Assets for Credit Risk under Standardized Method: Counterparty Credit Risk Exposure

-

-

-

242.824

-

125.327

368.151

ATMR Sebelum MRK /RWA before

CRM



Portfolio Category

-

-

-

535.522

-

173.346

708.868

TagihanBersih /

Net Receivables



---

Tagihan Kepada Bank / Receivables on Banks 242.824242.824535.522

TOTAL ATMR RISIKO KREDIT /TOTAL RWA FOR CREDIT RISKTOTAL FAKTOR PENGURANG MODAL /TOTAL CAPITAL DEDUCTION FACTOR

19.178.233-


Tabel 5.4 Pengungkapan Total Pengukuran Risiko Kredit - Bank secara IndividualTable 5.4. Disclosure of Total Credit Risk Measurement - Bank Only

29.485.660-


-

-

-

121.148

-

144.756

265.904

-

-

-

121.148

-

150.128

271.276

ATMR Sebelum MRK / RWA before

CRM


1.928

-

-

269.252

-

218.668

489.848

TagihanBersih /

Net Receivables







Pendekatan Indikator Dasar / Basic Indicator Approach

Total


Pendekatan Indikator Dasar / Basic Indicator Approach

Total

1.324.525

1.324.525

1.234.935

1.234.935

Tabel 7 Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual

105.962

105.962

98.795

98.795


ATMR /RWA

(jutaan rupiah / million Rupiah) Pendekatan Yang Digunakan /

Indicator ApproachPendapatan Bruto (Rata-rata 3 tahun terakhir) / Average Gross

Income in the past 3 years

Risiko Suku Bunga / Interest Rate Risk

b. Risiko Umum / General Risk

Risiko Nilai Tukar / Foreign Exchange Risk

Risiko Ekuitas / Equity Risk

Risiko Komoditas / Commodity Risk

Risiko Option / Option Risk

Total

-

45.758

27.171

-

-

-

72.929


Tabel 6 Pengungkapan Risiko Pasar dengan Menggunakan Metode Standar - Bank secara IndividualTable 6 Disclosure of Market Risk Using Standardized Method - Bank Only

ATMR / RWA

31 Desember 2012 / December 31, 2012Jenis Risiko /

Type of Risk

-

3.661

2.174

-

-

-

5.835


Bank

-

36.525

31.275

-

-

67.800

ATMR / RWA

-

2.922

2.502

-

-

-

5.424



706.415

706.415

658.632

658.632



Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia /

Placement with Bank Indonesia

3. Penempatan pada bank lain /

Placement with other Bank

4. Surat Berharga / Marketable 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

3. Liabilitas kepada bank lain /

Liabilities with other bank

4. Surat Berharga yang Diterbitkan /

Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities


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



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

2.216

2.384.452

483.415

427.054

9.095.880

745.928

107.466

13.246.411

5.828.469

-

5.133

-

2.374

714.680

157.667

6.708.323

6.538.088

3.179.106

11.503

3.190.609

3.665.455

3.665.455

(474.846)

6.063.242

6.063.242

2.216

2.185.804

483.415

78.565

4.745.867

491.437

107.466

8.094.770

5.746.994

-

5.133

-

-

462.812

157.667

6.372.606

1.722.164

476.341

476.341

358.590

358.590

117.751

1.839.915

1.839.915

-

198.648

1.105.931

13.115

1.317.694

77.475

17

10.721

88.213

1.229.481

281.542

281.542

377.429

377.429

(95.887)

1.133.594

2.973.509

-

12.044

350.775

241.376

604.195

4.000

-

241.147

245.147

359.048

151.537

151.537

155.516

155.516

(3.979)

355.069

3.328.578

-

336.445

893.133

1.229.578

374

-

374

1.229.204

415.292

415.292

532.485

532.485

(117.193)

1.112.011

4.440.589

-

2.000.174

2.000.174

1.983

-

1.983

1.998.191

1.854.394

11.503

1.865.897

2.241.435

2.241.435

(375.538)

1.622.653

6.063.242

Saldo /Balance

< 1 bulan /< 1 month

>1 bln - 3 bln />1 month- 3 months

>3 bln - 6 bln />3 months - 6 months


>12 bulan /> 12 months

Pos-pos /

Account

31 Desember 2013/ December 31, 2013

I

II

No




1.470

1.361.578

149.240

1.828

6.899.030

273.015

62.053

8.748.214

3.869.802

1.463

4.496

-

-

256.494

157.460

4.289.715

4.458.499

3.862.053

20.072

3.882.125

4.388.693

-

4.388.693

(506.568)

3.951.931

3.951.931

1.470

753.040

149.240

-

4.096.892

184.919

62.053

5.247.614

3.812.157

531

4.496

-

-

168.709

157.460

4.143.353

1.104.261

654.662

-

654.662

1.313.974

-

1.313.974

(659.312)

444.949

444.949

-

74.585

-

229

923.600

88.096

-

1.086.510

57.645

277

-

-

-

87.785

-

145.707

940.803

569.549

-

569.549

372.681

-

372.681

196.868

1.137.671

1.582.620

-

313.996

-

-

476.580

-

-

790.576

-

655

-

-

-

-

-

655

789.921

285.259

-

285.259

249.300

-

249.300

35.959

825.880

2.408.500

-

219.957

-

1.599

388.257

-

-

609.813

-

-

-

-

-

-

-

-

-

609.813

1.303.029

-

1.303.029

1.023.795

-

1.023.795

279.234

889.047

3.297.547

-

-

-

-

1.013.701

-

-

1.013.701

-

-

-

-

-

-

-

-

1.013.701

1.049.554

20.072

1.069.626

1.428.943

-

1.428.943

(359.317)

654.384

3.951.931

Saldo /Balance


>1 bln - 3 bln />1 month- 3 months








Neraca / Balance Sheet

A. Aset / Assets

1. Kas / Cash

2. Penempatan pada Bank Indonesia /

Placement with Bank Indonesia

3. Penempatan pada bank lain /

Placement with other Bank

4. Surat Berharga / Marketable Securities

5. Kredit yang diberikan / Loans

6. Tagihan Lainnya / Other Receivables


Total Aset / Total Assets

B. Liabilitas / Liabilities

1. Dana Pihak Ketiga / Deposits from Customer

2. Liabilitas kepada Bank Indonesia /

Liabilities with Bank Indonesia

3. Liabilitas kepada bank lain /

Liabilities with other bank

4. Surat Berharga yang Diterbitkan /

Securities Issued

5. Pinjaman yang Diterima / Borrowings

6. Liabilitas Lainnya / Other Liabilities


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



Total Tagihan Rekening Administratif /

Total Off Balance Sheet Receivables

A. Liabilitas Rekening Administratif /

Off Balance Sheet Liabilities



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

224

186.235

18.912

179.412

1.783.709

127.355

4.638

2.300.485

589.552

-

139.326

-

1.475.667

62.535

28.532

2.295.612

4.873

542.785

1.060

543.845

713.355

-

713.355

(169.510)

(164.637)

(164.637)

224

186.235

18.912

144.294

562.074

42.031

4.638

958.408

568.192

-

139.326

-

95.000

22.055

28.532

853.105

105.303

104.267

-

104.267

133.102

-

133.102

(28.835)

76.468

76.468

-

-

-

12.496

221.238

65.806

-

299.540

8.384

-

-

-

-

31.674

-

40.058

259.482

36.997

-

36.997

137.205

-

137.205

(100.208)

159.274

235.742

-

-

-

22.622

67.111

19.518

-

109.251

12.476

-

-

-

225.000

8.806

-

246.282

(137.031)

15.968

-

15.968

21.555

-

21.555

(5.587)

(142.618)

93.124

-

-

-

-

206.007

-

-

206.007

500

-

-

-

596.156

-

-

596.656

(390.649)

70.315

-

70.315

79.147

-

79.147

(8.832)

(399.481)

(306.357)

-

-

-

-

727.279

-

-

727.279

-

-

-

-

559.511

-

-

559.511

167.768

315.238

1.060

316.298

342.346

-

342.346

(26.048)

141.720

(164.637)

Saldo /Balance


>1 bln s.d. 3 bln /

>1 month - 3 months

>3 bln s.d.6 bln /

>3 months - 6 months

>6 bln s.d.12 bln /



Pos-pos /

Account


I

II

No



2.689

1.396.763

512.356

1.317.438

13.782.074

1.178.628

45.177

18.235.125

5.366.644

-

1.264.659

-

11.426.133

614.273

31.168

18.702.877

(467.752)

6.401.280

-

6.401.280

7.651.297

-

7.651.297

(1.250.017)

(1.717.769)

(1.717.769)

2.689

1.396.763

512.356

727.690

6.637.664

400.072

43.693

9.720.927

5.285.640

-

1.264.659

-

289.125

246.420

31.168

7.117.012

2.603.915

1.759.714

-

1.759.714

1.376.543

-

1.376.543

383.171

2.987.086

2.987.086

-

-

-

351.065

1.527.043

520.435

1.484

2.400.027

36.507

-

-

-

481.875

267.874

-

786.256

1.613.771

747.003

-

747.003

1.495.335

-

1.495.335

(748.332)

865.439

3.852.525

-

-

-

234.847

437.485

258.121

-

930.453

15.584

-

-

-

2.625.216

99.979

-

2.740.779

(1.810.326)

248.937

-

248.937

343.712

-

343.712

(94.775)

(1.905.101)

1.947.424

-

-

-

3.836

1.048.507

-

-

1.052.343

28.913

-

-

-

7.114.354

-

-

7.143.267

(6.090.924)

1.163.025

-

1.163.025

1.664.367

-

1.664.367

(501.342)

(6.592.266)

(4.644.842)

-

-

-

-

4.131.375

-

-

4.131.375

-

-

-

-

915.563

-

-

915.563

3.215.812

2.482.601

-

2.482.601

2.771.340

-

2.771.340

(288.739)

2.927.073

(1.717.769)

Saldo /Balance


>1 bln s.d. 3 bln /

>1 month - 3 months

>3 bln s.d.6 bln /


>6 bln s.d.12 bln /






Documents

13. Risk Management Table - mizuhobank.co.id · 78 PT Bank Mizuho Indonesia, 2010 Annual Report 78 PT Bank Mizuho Indonesia, 2013 Annual Report Tagihan Kepada Pemerintah / Receivables