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PENGUNGKAPAN INFORMASI KUANTITATIF EKSPOSUR RISIKO
PT. BANK MUAMALAT INDONESIA, Tbk.
POSISI JUNI 2020
Tabel 1.1. Pengungkapan Tagihan Bersih Berdasarkan Wilayah/ IndividualDisclosure of Net Claims by Region
(dalam jutaan rupiah)/ (in million rupiah)
No. Kategori Portofolio/ Portfolio Categories
30-Jun-20
Tagihan Bersih Berdasarkan Wilayah/ Net Claim by Region
Jabodetabek / Jawa / Sumatera / Kalimantan / Lainnya / Total
Greater Jakarta Java Sumatra Borneo Others Total
(1) (2) (3) (4) (5) (6) (7) (9)
1 Tagihan Kepada Pemerintah/ Claim to The Government
2.363.138 - 82 - 52.864 2.416.084
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities
- 94.159 112.418 - 2.435 209.012
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 250.468 65.872 13.830 - 76.475 406.645
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans
2.739.610 1.293.058 704.356 392.567 364.621 5.494.212
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
20.181 9.374 11.484 8.062 6.960 56.061
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
53.540 36.121 17.247 12.008 16.183 135.099
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
2.597.366 1.840.376 427.451 197.620 239.586 5.302.399
9 Tagihan kepada Korporasi/ Claim to Corporate 21.838.094 3.119.563 509.421 94.886 709.041 26.271.005
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - - - -
11 Aset Lainnya/ Others Asset 5.759.881 - - - - 5.759.881
Total 35.622.277 6.458.523 1.796.290 705.143 1.468.165 46.050.398
Tabel 1.2. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak / Disclosure of Net Claims Based Remaining Contract Term
(dalam jutaan rupiah)/ (in million rupiah)
No. Kategori Portofolio/ Portfolio
Categories
30-Jun-20
Tagihan bersih berdasarkan sisa jangka waktu kontrak/ Net Claims Based Remaining Contract Term
< 1 tahun/ < 1 year
>1 thn s.d. 3 thn > 1 year until 3
years
>3 thn s.d. 5 thn
> 3 year until 5 years
> 5 thn > 5 years
Non-Kontraktual
Non-Contractual
Total Total
(1) (2) (3) (4) (5) (6) (7) (8)
1 Tagihan Kepada Pemerintah/ Claim to The Government
1.394.498 218.998 541.626 196.616 64.346 2.416.084
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities
- 112.398 13.966 676 81.971 209.012
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 223.083 53.246 41.852 27.720 60.744 406.645
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans
3.039 51.194 4.204.199 813.709 422.070 5.494.212
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
(126) 896 25.440 23.793 6.059 56.061
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
(38) 13.539 44.310 38.861 38.426 135.099
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
137.839 688.116 2.553.242 840.034 1.083.167 5.302.399
9 Tagihan kepada Korporasi/ Claim to Corporate 856.095 7.734.079 11.302.301 2.858.403 3.520.127 26.271.005
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - - - -
11 Aset Lainnya/ Others Asset - - - - 5.759.881 5.759.881
Total 2.614.391 8.872.467 18.726.936 4.799.812 11.036.792 46.050.398
Tabel 1.3. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi / Disclosure of Net Claims by Economic Sector
(dalam jutaan rupiah)/ (in million rupiah)
No. Sektor Ekonomi/ Economic Sectors
Tagihan Kepada
Pemerintah/ Claim to The Government
Tagihan Kepada Entitas Sektor Publik/ Claim
to Public Sector
Entities
Tagihan Kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional/ Claim to The Multilateral
Development Banks and
International Institutions
Tagihan Kepada Bank/
Claim to The Bank
Pembiayaan Beragun Rumah Tinggal/
Residential Mortgage
Loans
Pembiayaan Beragun Properti
Komersial/ Commercial
Property Mortgage
Loans
Pembiayaan Pegawai/
Pensiunan/ Retired
Employee Credit
Tagihan Kepada Usaha Mikro,
Usaha Kecil dan Portofolio Ritel/ Claim to Micro,
Small dan Retail Portfolio
Tagihan kepada
Korporasi/ Claim to
Corporate
Tagihan yang Telah Jatuh
Tempo/ Claim on past due
Aset Lainnya/
Others Asset
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
1 Pertanian, perburuan dan Kehutanan/ Agriculture, Hunting and Forestry
- 70.045 - - - - - 591.676 671.353 - -
2 Perikanan/ Fisheries - - - - - - - - - - -
3 Pertambangan dan Penggalian/ Mining and Quarrying
- - - - - - - 81.453 3.099.460 - -
4 Industri pengolahan/ Manufacturing Industry - - - - - - - 286.686 5.710.342 - -
5 Listrik, Gas dan Air/ Electricity, Gas and Water - 112.418 - - - - - 17.350 3.232.837 - -
6 Konstruksi/ Construction - - - 17.188 - - - 111.892 2.412.219 - -
7 Perdagangan besar dan eceran/ Wholesale and Retail Trade
- - - 4.320 - - - 270.057 4.351.142 - -
8
Penyediaan akomodasi dan penyediaan makan minum/ Accommodation Providers and food and Beverage Providers
- - - - 1.744 - - 67.111 170.127 - -
9
Transportasi, pergudangan dan komunikasi/ Transportation, Storage and Communication
- - - - 196 - - 101.110 2.537.593 - -
10 Perantara keuangan/ Financial Brokers - - - 385.137 220.124 - - 523.990 1.114.358 - -
11
Real estate, usaha persewaan dan jasa perusahaan/ Real Estate, Rental Business, and orporate Services
- - - - 2.813 - - 824.411 2.394.421 - -
12
Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib/ Public Administration, Defense nd Compulsory Social Security
- - - - - - - 66 - - -
No. Sektor Ekonomi/ Economic Sectors
Tagihan Kepada
Pemerintah/ Claim to The Government
Tagihan Kepada Entitas Sektor Publik/ Claim
to Public Sector
Entities
Tagihan Kepada Bank
Pembangunan Multilateral dan
Lembaga Internasional/ Claim to The Multilateral
Development Banks and
International Institutions
Tagihan Kepada Bank/
Claim to The Bank
Pembiayaan Beragun Rumah Tinggal/
Residential Mortgage
Loans
Pembiayaan Beragun Properti
Komersial/ Commercial
Property Mortgage
Loans
Pembiayaan Pegawai/
Pensiunan/ Retired
Employee Credit
Tagihan Kepada Usaha Mikro,
Usaha Kecil dan Portofolio Ritel/ Claim to Micro,
Small dan Retail Portfolio
Tagihan kepada
Korporasi/ Claim to
Corporate
Tagihan yang Telah Jatuh
Tempo/ Claim on past due
Aset Lainnya/
Others Asset
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13)
13 Jasa pendidikan/ Education Services - 16.259 - - - - - 516.517 187.907 - -
14
Jasa kesehatan dan kegiatan sosial/ Health Services and Social Activities
- - - - - - - 152.527 102.193 - -
15
Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya/ Social Services, Socio-Cultural, Entertainment and Other Individual
- - - - - - - 961.936 287.052 - -
16
Jasa perorangan yang melayani rumah tangga/ Households Personal Services
- 1.246 - - 5.264.905 56.271 133.515 484.194 - - -
17
Badan internasional dan badan ekstra internasional lainnya/ International and Extra International Agencies
- - - - - - - - - - -
18 Kegiatan yang belum jelas batasannya/ Undefined activities
- - - - - - - - - - -
19 Bukan Lapangan Usaha/ Not a Business Field - - - - 4.429 (210) 1.584 311.422 - - -
20 Lainnya/ Others 2.416.084 9.044 - - - - - - - - 5.759.881
Total 2.416.084 209.012 - 406.645 5.494.212 56.061 135.099 5.302.399 26.271.005 - 5.759.881
Tabel 1.4. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah / Disclosure of Bills and Allowance By Region
(dalam jutaan rupiah)/ (in million rupiah)
No. Keterangan/ Information
30-Jun-20
Wilayah/ Region
Jabodetabek / Greater Jakarta
Jawa / Java
Sumatera / Sumatra
Kalimantan / Borneo
Lainnya / Others
Total Total
(1) (2) (3) (4) (5) (6) (7) (10)
1 Tagihan/ Claims 29.919.281 6.617.949 1.820.027 711.416 1.470.803 40.539.476
2
Tagihan yang mengalami penurunan nilai (impaired )/ Impaired Claims
a. Belum jatuh tempo/ Not Past Due Yet 31.872.472 6.346.987 1.567.574 697.282 1.459.345 41.943.659
b. Telah jatuh tempo/ Past Due 585.709 270.962 252.453 14.135 11.458 1.134.717
3 Cadangan kerugian penurunan nilai (CKPN) - Individual/ Provision for Possible Losses – Individual 74.780 105.900 5.316 - - 185.996
4 Cadangan kerugian penurunan nilai (CKPN) - Kolektif/ Provision for Possible Losses - Collective 196.753 64.958 20.848 8.861 14.150 305.569
5 Tagihan yang dihapus buku/ Written-Off Claims 1.201.645 157.910 171.040 25.769 49.028 1.605.392
Tabel 1.5. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi / Disclosure of Claims and Allowance by Economic Sector
(dalam jutaan rupiah)/ (in million rupiah)
No. Sektor Ekonomi/ Economic Sector Tagihan/ Claim
Tagihan yang Mengalami Penurunan Nilai/ Impaired Claims
Cadangan kerugian penurunan nilai
(CKPN) - Individual/ Provision for Possible
Losses – Individual
Cadangan kerugian penurunan nilai
(CKPN) - Kolektif/ Provision for Possible
Losses - Collective
Tagihan yang hapus buku/ Written-Off
Claims Belum Jatuh
Tempo/ Not Past Due Yet
Telah Jatuh Tempo/ Past Due
(1) (2) (3) (4) (5) (6) (7) (8)
1 Pertanian, perburuan dan Kehutanan/ Agriculture, Hunting and Forestry 1.128.714,3 887.117 241.598 4.234 13.672 -
2 Perikanan/ Fisheries 334.552,7 334.553 - - 2.851 -
3 Pertambangan dan Penggalian/ Mining and Quarrying 2.200.168,2 2.200.168 - 12.464 20.603 -
4 Industri pengolahan/ Manufacturing Industry 4.261.991,3 4.095.381 166.610 87.780 39.006 192
5 Listrik, Gas dan Air/ Electricity, Gas and Water 2.332.815,6 2.332.816 - - 21.326 -
6 Konstruksi/ Construction 1.783.598,2 1.705.863 77.735 697 22.448 5.978
7 Perdagangan besar dan eceran/ Wholesale and Retail Trade 3.294.834,7 2.957.831 337.003 56.615 27.290 -
8 Penyediaan akomodasi dan penyediaan makan minum/ Accommodation Providers and food and Beverage Providers
184.093,5 184.093 - 1.082 1.129 -
9 Transportasi, pergudangan dan komunikasi/ Transportation, Storage and Communication 1.848.491,7 1.739.938 108.553 22.569 18.119 -
10 Perantara keuangan/ Financial Brokers 1.933.449,4 1.919.844 13.606 - 19.397 322.733
11 Real estate, usaha persewaan dan jasa perusahaan/ Real Estate, Rental Business, and Corporate Services 2.450.211,1 2.449.907 304 - 18.521 36.037
12 Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib/ Public Administration, Defense nd Compulsory Social Security 65,3 65 - - 1 -
13 Jasa pendidikan/ Education Services 658.926,0 657.555 1.371 - 5.002 1.389
14 Jasa kesehatan dan kegiatan sosial/ Health Services and Social Activities 221.229,3 220.326 903 - 2.086 -
15 Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya/ Social Services, Socio-Cultural, Entertainment and Other Individual 1.156.923,2 1.129.837 27.086 - 12.744 -
16 Jasa perorangan yang melayani rumah tangga/ Households Personal Services 5.956.649,1 5.829.527 127.122 556 62.159 -
No. Sektor Ekonomi/ Economic Sector Tagihan/ Claim
Tagihan yang Mengalami Penurunan Nilai/ Impaired Claims
Cadangan kerugian penurunan nilai
(CKPN) - Individual/ Provision for Possible
Losses – Individual
Cadangan kerugian penurunan nilai
(CKPN) - Kolektif/ Provision for Possible
Losses - Collective
Tagihan yang hapus buku/ Written-Off
Claims Belum Jatuh
Tempo/ Not Past Due Yet
Telah Jatuh Tempo/ Past Due
(1) (2) (3) (4) (5) (6) (7) (8)
17 Badan internasional dan badan ekstra internasional lainnya/ International and Extra International Agencies
- - - - - -
18 Kegiatan yang belum jelas batasannya/ Undefined activities 21.774,7 21.775 - - 208 -
19 Bukan Lapangan Usaha/ Not a Business Field 318.371,0 285.545 32.826 - 5.629 389.548
20 Lainnya/ Others 10.452.616,5 12.991.517 - - 13.379 849.516
Total 40.539.475,6 41.943.659 1.134.717 185.996 305.569 1.605.392
Tabel 1.6. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai / Disclosure of Provision of Possible Losses Mutation Details
(dalam jutaan rupiah)/ (in million rupiah)
No. Keterangan/ Information
30-Jun-20
CKPN Individual/ Provision of Possible Losses - Individual
CKPN Kolektif/ Provision of Possible
Losses - Collective
(1) (2) (3) (4)
1 Saldo awal CKPN/ Provision of Possible Losses Beginning Balance 338.333 295.493
2 Pembentukan (pemulihan) CKPN pada periode berjalan (Net)/ Provisions (Reversal of Provisions) of Possible Losses in Current Year
2.a Pembentukan CKPN pada periode berjalan/ Provisions of Possible Losses in Current Year
2.b Pemulihan CKPN pada periode berjalan/ Reversal of Provisions of Possible Losses in Current Year (23.759) (50.200)
3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan/ Provisions of Possible Losses that used for Write-off in Current Year
- -
4 Pembentukan (pemulihan) lainnya pada periode berjalan/ Other Provisions (Other Reversal of Provisions) in Current Year - -
Saldo akhir CKPN/ Provision of Possible Losses Ending Balance 338.333 295.493
Tabel 1.7. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat / Disclosure of Net Claims by Portfolio Category and Rating Scale (dalam jutaan rupiah)/ (in million rupiah)
No. Kategori Portofolio/ Portfolio
Categories
Lembaga Pemeringkat/
Rating Agencies Peringkat Jangka panjang/ Long Term Rating Peringkat Jangka Pendek/ Long Term Rating
Standard and Poor's
AAA AA+ s.d AA-
A+ s.d A- BBB+ s.d BBB-
BB+ s.d BB- B+ s.d B- Kurang dari B-
A-1 A-2 A-3 Kurang dari A-3
Tanpa Peringkat/ Non rated
Total
Fitch Rating AAA AA+ s.d
AA- A+ s.d A- BBB+ s.d
BBB- BB+ s.d BB- B+ s.d B- Kurang dari
B- F1+ s.d F1 F2 F3 Kurang dari F3
Moody's Aaa Aa1 s.d
Aa3 A1 s.d A3
Baa1 s.d Baa3
Ba1 s.d Ba3 B1 s.d B3 Kurang dari
B3 P-1 P-2 P-3
Kurang dari P-3
PT. Fitch Ratings Indonesia
AAA (idn)
AA+(idn) s.d AA-
(idn)
A+(idn) s.d. A-(idn)
BBB+(idn) s.d BBB-(idn)
BB+(idn) s.d BB-(idn)
B+(idn) s.d B-(idn)
Kurang dari B-(idn)
F1+(idn) s.d F1(idn)
F2(idn) F3(idn) Kurang
dari F3(idn)
PT ICRA Indonesia [Idr]AAA
[Idr]AA+ s.d
[Idr]AA-
[Idr]A+ s.d [Idr]A-
[Idr]BBB+ s.d [Idr]BBB-
[Idr]BB+ s.d [Idr]BB-
[Idr]B+ s.d [Idr]B-
Kurang dari [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A2+ s.d [Idr]A2
[Idr]A3+ s.d [Idr] A3
Kurang dari
[Idr]A3 PT Pemeringkat Efek Indonesia idAAA
idAA+ s.d idAA-
idA+ s.d id A-
id BBB+ s.d id BBB-
id BB+ s.d id BB-
id B+ s.d id B-
Kurang dari idB- idA1 idA2
idA3 s.d id A4
Kurang dari idA4
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14) (15) (16)
1 Tagihan Kepada Pemerintah/ Claim to The Government
- - - - - - - - - - - 2.416.084 2.416.084
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities
- - - 8.320 - - - - - - - 200.692 209.012
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - - - - - - - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 47.528 4.849 5.095 - - - - - - - - 349.173 406.645
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans (9) - - - - - - - - - - 5.494.221 5.494.212
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
- - - - - - - - - - - 56.061 56.061
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
- - - - - - - - - - - 135.099 135.099
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
- - - 284.447 - - - - - - - 5.017.952 5.302.399
9 Tagihan kepada Korporasi/ Claim to Corporate
- - 643.009 554.367 - - - - - - - 25.073.629 26.271.005
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - - - - - - - - - - -
11 Aset Lainnya/ Others Asset - - - - - - - - - - - 5.759.881 5.759.881
TOTAL 47.519 4.849 648.103 847.133 - - - - - - - 44.502.793 46.050.397
Tabel 1.8.a. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Lindung Nilai Syariah Over the Counter/ Disclosure of Counterparty Credit Risk: Sharia Hedging Transactions Over the Counter
(dalam jutaan rupiah)/ (in million rupiah)
No Variabel yang Mendasari/ Underlying Variables
30-Jun-20
Notional Amount Tagihan Derivatif/ Derivative
Claim
Kewajiban Derivatif/ Derivative Liabilties
Tagihan Bersih sebelum MRK/
Net Claim before CRM
MRK/ CRM
Tagihan Bersih setelah MRK/ Net
Claim after CRM
< 1 Tahun < 1 Year
> 1 Tahun - < 5 Tahun
> 1 Year - < 5 Years
> 5 Tahun > 5 Years
1 Shariah Compliant Profit Rate Swap -
2 Shariah Compliant Foreign Currency Swap 961.829
50.651 54.166 2.599.169 - 2.599.169
3 Lainnya -
TOTAL 961.829 - - 50.651 54.166 2.599.169 - 2.599.169
Tabel 1.8.b. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Repo / Disclosure of Counterparty Credit Risk
(dalam jutaan rupiah)/ (in million rupiah)
No Kategori Portofolio
30-Jun-20
Nilai Wajar SSB Repo Kewajiban Repo Tagihan Bersih ATMR
1 Tagihan Kepada Pemerintah 2.538.900 2.538.900 2.538.900 -
2 Tagihan Kepada Entitas Publik - - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional - - - -
4 Tagihan kepada Bank - - - -
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel - - - -
6 Tagihan Kepada Korporasi - - - -
TOTAL 2.538.900 2.538.900 2.538.900 -
Tabel 1.8.c. Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo / Disclosure of Counterparty Credit Risk: Reverse Repo Transactions
Bank tidak memiliki eksposur Transaksi Reverse Repo
Tabel 1.9. Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit / Disclosure of Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation
(dalam jutaan rupiah)/ (in million rupiah)
No. Kategori Portofolio/ Portfolio
Categories
30-Jun-20
ATMR/ RWA Beban Modal/ Capital Charge Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit/ Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
A Eksposur Neraca/ Exposure on Balance Sheet
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.416.084 - - - - - - - - - - -
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 8.892 - - - - 200.120 - - - - 100.060 9.686
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - - - - - - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 29.370 243.637 - - - 133.639 - - - - 115.547 11.185
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans - 1.123.394 4.370.818 - - - - - - - 1.754.465 169.832
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
348 - - - - - - 55.713 - - 55.713 5.393
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
61.637 - - - - 73.462 - - - - 36.731 3.556
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
500.186 42.049 - - - - 4.760.164 - - - 3.578.533 346.402
9 Tagihan kepada Korporasi/ Claim to Corporate 6.444.377 159.345 - - - 482.204 - 19.185.078 - - 19.458.050 1.883.539
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - - - - - - - - - -
11 Aset Lainnya/ Others Asset - - - - - - - - - - - -
Total Eksposur Neraca/ Total Exposure on Balance Sheet 9.460.894 1.568.425 4.370.818 - - 889.425 4.760.164 19.240.792 - - 25.099.098 2.429.593
B
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif/ Exposure on Commitments/ Contingencies for off Balance Sheet Transactions
1 Tagihan Kepada Pemerintah/ Claim to The Government
- -
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 7.404 1.481 143
No. Kategori Portofolio/ Portfolio Categories
30-Jun-20
ATMR/ RWA Beban Modal/ Capital Charge Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit/ Net Claims Based on Risk Weighted After Impact Calculation of Credit Risk Mitigation
0% 20% 35% 40% 45% 50% 75% 100% 150% Lainnya
(1) (2) (3) (4) (5) (6) (7) (8) (9) (10) (11) (12) (13) (14)
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
2.138 1.069 103
4 Tagihan Kepada Bank/ Claim to The Bank - -
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans
- -
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
- -
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
- -
8
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
1.024 768 74
9 Tagihan kepada Korporasi/ Claim to Corporate 44.814 44.814 4.338
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - -
Total Eksposur TRA/ Total Exposure on Off Balance Transactions - 7.404 - - - 2.138 1.024 44.814 - - 48.131 4.659
C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)/ Exposure on Counterparty Credit Risk
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.538.900
- -
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- -
4 Tagihan Kepada Bank/ Claim to The Bank 3.351 56.918 29.129 2.820
5
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
- -
6 Tagihan kepada Korporasi/ Claim to Corporate - -
Total Eksposur Counterparty Credit Risk/ Total Exposure on Counterparty Credit Risk
2.538.900 3.351 - - - 56.918 - - - - 29.129 2.820
Tabel 1.10. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit / Disclosure of Net Claims and Credit Risk Mitigation Techniques
(dalam jutaan rupiah)/ (in million rupiah) 30-Jun-20
No. Kategori Portofolio/ Portfolio Categories Tagihan
Bersih/ Net Claims
Bagian Yang Dijamin Dengan/ Portion which Secured by
Bagian Yang Tidak Dijamin/
Portion which not Secured
Agunan/ Collateral
Garansi/ Guarantee
Asuransi Kredit/ Credit
Insurance
Lainnya/ Others
(1) (2) (3) (4) (5) (6) (7) (8)=(3)-[(4)+(5)+(6)+(7)]
A Eksposur Neraca/ Exposure on Balance Sheet
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.416.084 - - - 2.416.084
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 209.012 9.287 - - 199.725
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 406.645 31.656 - - 374.989
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans 5.494.212 25.936 - - 5.468.276
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans 56.061 350 - -
55.711
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
135.099 113.353 - - 21.746
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
5.302.399 557.163 - - 4.745.236
9 Tagihan kepada Korporasi/ Claim to Corporate 26.271.005 8.608.218 - - 17.662.787
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - - -
11 Aset Lainnya/ Others Asset 5.759.881 5.759.881
Total Eksposur Neraca/ Total Exposure on Balance Sheet 46.050.398 9.345.963 - - - 36.704.435
B
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi Rekening Administratif/ Exposure on Commitments/ Contingencies for off Balance Sheet Transactions
1 Tagihan Kepada Pemerintah/ Claim to The Government - - - - -
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 13.663 - - - 13.663
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 2.138 - - - 2.138
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans
- - - - -
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans - - - -
-
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
- - - - -
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
1.438 - - - 1.438
9 Tagihan kepada Korporasi/ Claim to Corporate 81.842 - - - 81.842
30-Jun-20
No. Kategori Portofolio/ Portfolio Categories Tagihan
Bersih/ Net Claims
Bagian Yang Dijamin Dengan/ Portion which Secured by
Bagian Yang Tidak Dijamin/
Portion which not Secured
Agunan/ Collateral
Garansi/ Guarantee
Asuransi Kredit/ Credit
Insurance
Lainnya/ Others
(1) (2) (3) (4) (5) (6) (7) (8)=(3)-
[(4)+(5)+(6)+(7)]
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - - -
-
Total Eksposur TRA/ Total Exposure on Off Balance Transactions 99.081 - - - - 99.081
C Eksposur akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)/ Exposure on Counterparty Credit Risk
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.538.900 - - -
2.538.900
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities - - - -
-
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - - - -
4 Tagihan Kepada Bank/ Claim to The Bank 60.269 - - - 60.269
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small dan Retail Portfolio
- - - - -
6 Tagihan kepada Korporasi/ Claim to Corporate - - - - -
Total Eksposur Counterparty Credit Risk/ Total Exposure on Counterparty Credit Risk 2.599.169 - - - - 2.599.169
Tabel 1.11. Pengungkapan Transaksi Sekuritisasi Aset/ Disclosure of Securitization Transactions
Bank tidak memiliki eksposur Transaksi Sekuritisasi
Tabel 1.12. Pengungkapan Ringkasan Aktivitas Transaksi Sekuritisasi Bank Bertindak Sebagai Kreditur Asal / Disclosure of Summary Securitization Transaction Activity Bank as Creditor
Bank tidak memiliki eksposur Transaksi Sekuritisasi Bank bertindak sebagai Kreditur Asal
Tabel 1.13.a. Pengungkapan Eksposur Aset di Neraca/ Disclosure of Assets Exposures in Balance Sheet
(dalam jutaan rupiah)/ (in million rupiah)
No Kategori Portofolio/ Portfolio Categories
30-Jun-20
Tagihan Bersih/ Claim Net
ATMR Sebelum MRK/ RWA before
CRM
ATMR Setelah MRK/ RWA after CRM
(1) (2) (3) (4) (5)
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.416.084 - -
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 209.012 104.506 99.863
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - -
4 Tagihan Kepada Bank/ Claim to The Bank 406.645 124.542 109.704
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans 5.494.212 1.509.597 1.501.421
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
56.061 56.061 55.711
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit 135.099 67.550 10.873
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small and Retail Portfolio 5.302.399 3.976.799 3.533.166
9 Tagihan kepada Korporasi/ Claim to Corporate 26.271.005 25.948.948 17.170.450
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - -
11 Aset Lainnya/ Others Asset 5.759.881 - 5.099.775
TOTAL 46.050.398 31.788.002 27.580.962
Tabel 1.13.b. Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif/ Disclosure of Commitments / Contingent Exposure on Balance Sheet
(dalam jutaan rupiah)/ (in million rupiah)
No Kategori Portofolio/ Portfolio Categories
30-Jun-20
Tagihan Bersih/ Claim Net
ATMR Sebelum MRK/ RWA before
CRM
ATMR Setelah MRK/ RWA after CRM
(1) (2) (3) (4) (5)
1 Tagihan Kepada Pemerintah/ Claim to The Government
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities 7.404 3.702 3.702
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
4 Tagihan Kepada Bank/ Claim to The Bank 2.138 1.069 1.069
5 Pembiayaan Beragun Rumah Tinggal/ Residential Mortgage Loans
6 Pembiayaan Beragun Properti Komersial/ Commercial Property Mortgage Loans
7 Pembiayaan Pegawai/Pensiunan/ Retired Employee Credit
8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small and Retail Portfolio 1.024 768 768
9 Tagihan kepada Korporasi/ Claim to Corporate 44.814 44.814 44.814
10 Tagihan yang Telah Jatuh Tempo/ Claim on past due - - -
TOTAL 55.379 50.352 50.352
Tabel 1.13.c. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit Risk)/ Disclosure of Potential credit risk exposure due to failure of competitor (Counterparty Credit Risk)
(dalam jutaan rupiah)/ (in million rupiah)
No Kategori Portofolio/ Portfolio Categories
30-Jun-20
Tagihan Bersih/ Claim Net
ATMR Sebelum MRK/ RWA before
CRM
ATMR Setelah MRK/ RWA after CRM
(1) (2) (3) (4) (5)
1 Tagihan Kepada Pemerintah/ Claim to The Government 2.538.900 - 2.538.900,00
2 Tagihan Kepada Entitas Sektor Publik/ Claim to Public Sector Entities - - -
3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional/ Claim to The Multilateral Development Banks and International Institutions
- - -
4 Tagihan Kepada Bank/ Claim to The Bank 60.269 29.129 29.129
5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel/ Claim to Micro, Small and Retail Portfolio - - -
6 Tagihan kepada Korporasi/ Claim to Corporate - - -
TOTAL 2.599.169 29.129 2.568.029
Tabel 1.13.d. Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Setelmen (settlement risk)/ Disclosure of Potential Credit Risk exposure due to failure of settlement (settlement risk)
Bank tidak memiliki eksposur yang menimbulkan Risiko Kredit akibat kegagalan setelmen
Tabel 1.13.e. Pengungkapan Eksposur Sekuritisasi/ Disclosure of Securitization Exposures
Bank tidak memiliki eksposur yang sekuritisasi
Tabel 1.13.f. Pengungkapan Total Pengukuran Risiko Kredit/ Disclosure of Total Credit Risk Measurement
(dalam jutaan rupiah)/ (in million rupiah) 30-Jun-20
TOTAL ATMR RISIKO KREDIT/ TOTAL OF RISK WEIGHTED ASSETS CREDIT RISK 27.660.444
TOTAL FAKTOR PENGURANG MODAL/ TOTAL OF DEDUCTION FROM CAPITAL FACTOR -
Tabel 2. Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar/ Market Risk Disclosure Based on Standards Method
(dalam jutaan rupiah)/ (in million rupiah)
No. Jenis Risiko
30-Jun-20
Beban Modal/ Capital Charge ATMR/ RWA
(1) (2) (3) (4)
1 Risiko Benchmark Suku Bunga a. Risiko Spesifik - - b. Risiko Umum 103 1.288
2 Risiko Nilai Tukar 585 7.313
3 Risiko Ekuitas *)
4 Risiko Komoditas *)
Total 688 8.600 *) Untuk bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud
Tabel 3.1. Pengungkapan Profil Maturitas Rupiah - Bank secara Individual/ Disclosure of Maturity Profile for Rupiah
(dalam jutaan rupiah)/ (in million rupiah)
30-Jun-20
No. Pos-pos/ Posts Saldo/ Balance
Jatuh Tempo/ Due Date
< 1 bulan < 1 Month
> 1 bln s.d. 3 bln
> 1 Month till 3 Months
> 3 bln s.d. 6 bln
> 3 Month till 6 Months
> 6 bln s.d. 12 bln
> 6 Month till 12 Month
> 12 bulan > 12
Months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA/ ON BALANCE
A Aset/ Asset 41.631.902 6.155.523 1.344.683 1.155.225 3.772.482 29.203.989
1 Kas/ Cash 624.135 624.135 - - - -
2 Penempatan pada Bank Indonesia/ Placement on Bank of Indonesia
1.312.378 1.287.378 - 25.000 - -
3 Penempatan pada bank lain/ Placements on Other Banks 64.013 64.013 - - - -
4 Surat Berharga/ Securities 11.473.651 5.000 - - 11.621 11.457.030
5 Kredit yang diberikan/ Loan 26.434.895 2.452.167 1.344.683 1.130.225 3.760.861 17.746.959
6 Tagihan lainnya/ Others Bills - - - - - -
7 Lain-lain/ Others 1.722.830 1.722.830 - - - -
Total Aset/ Total Assets 41.631.902 6.155.523 1.344.683 1.155.225 3.772.482 29.203.989
B. Kewajiban/ Liabilities 40.974.149 31.475.372 4.455.552 2.125.981 1.170.364 1.746.880
1 Dana Pihak Ketiga/ Third Party Funds 35.340.254 29.216.627 3.288.350 1.785.550 1.049.727 -
2 Kewajiban pada Bank Indonesia/ Liabilities on Bank of Indonesia
2.275.181 924.661 1.069.444 281.076 - -
3 Kewajiban pada bank lain/ Liabilities on Other Banks 904.760 727.010 97.758 59.355 20.637 -
4 Surat Berharga yang Diterbitkan/ Securities Issued 1.746.880 - - - - 1.746.880
5 Pinjaman yang Diterima/ Borrowing 100.000 - - - 100.000 -
6 Kewajiban lainnya/ Other Liabilities 607.074 607.074 - - - -
7 Lain-lain/ Others
Total Kewajiban/ Total Liabillities 40.974.149 31.475.372 4.455.552 2.125.981 1.170.364 1.746.880
Selisih Aset dengan Kewajiban dalam Neraca/ Difference Between Assets with Liabilities in the Balance Sheet
657.753 (25.319.849) (3.110.869) (970.756) 2.602.118 27.457.109
30-Jun-20
No. Pos-pos/ Posts Saldo/ Balance
Jatuh Tempo/ Due Date
< 1 bulan < 1 Month
> 1 bln s.d. 3 bln
> 1 Month till 3 Months
> 3 bln s.d. 6 bln
> 3 Month till 6 Months
> 6 bln s.d. 12 bln
> 6 Month till 12 Month
> 12 bulan > 12
Months
(1) (2) (3) (4) (5) (6) (7) (8)
II REKENING ADMINISTRATIF/ ADMINISTRATIVE ACCOUNT
A. Tagihan Rekening Administratif/ Administrative Account
1 Komitmen/ Commitment
2 Kontijensi/ Contingency
Total Tagihan Rekening Administratif/ Total Administrative Account Claims - - - - - -
B. Kewajiban Rekening Administratif/ Administrative Account Liabilities
1 Komitmen/ Commitment 10.433 195 5.817 4.421 - -
2 Kontijensi/ Contingency 64.204 5.788 16.695 14.868 2.231 24.622
Total Kewajiban Rekening Administratif/ Total Administrative Account Liabilities 74.637 5.983 22.512 19.289 2.231 24.622
Selisih Tagihan dan Kewajiban dalam Rekening Administratif/ Difference Between Charges with Liabilities in the Balance Sheet
(74.637) (5.983) (22.512) (19.289) (2.231) (24.622)
Selisih [(IA-IB)+(IIA-IIB)]/ Difference [(IA-IB)+(IIA-IIB)] 583.116 (25.325.832) (3.133.381) (990.045) 2.599.887 27.432.487
Selisih Kumulatif/ Cummulative Difference
(25.325.832) (28.459.213) (29.449.258) (26.849.371) 583.116
Tabel 3.2. Pengungkapan Profil Maturitas Valas / Disclosure of Maturity Profile for Foreign Currency
(dalam jutaan rupiah)/ (in million rupiah)
30-Jun-20
No. Pos-pos/ Posts Saldo/ Balance
Jatuh Tempo/ Due Date
< 1 bulan < 1 Month
> 1 bln s.d. 3 bln
> 1 Month till 3 Months
> 3 bln s.d. 6 bln
> 3 Month till 6 Months
> 6 bln s.d. 12 bln
> 6 Month till 12 Month
> 12 bulan > 12 Months
(1) (2) (3) (4) (5) (6) (7) (8)
I NERACA/ ON BALANCE
A Aset/ Asset 3.056.115 385.070 104.076 622.473 565.082 1.379.414
1 Kas/ Cash 35.965 35.965 - - - -
2 Penempatan pada Bank Indonesia/ Placement on Bank of Indonesia
180.254 180.254 - - - -
3 Penempatan pada bank lain/ Placements on Other Banks 173.412 - - 173.412 - -
4 Surat Berharga/ Securities
5 Kredit yang diberikan/ Loan 2.632.670 135.038 104.076 449.061 565.082 1.379.414
6 Tagihan lainnya/ Others Bills
7 Lain-lain/ Others 33.813 33.813 - - - -
Total Aset/ Total Assets 3.056.115 385.070 104.076 622.473 565.082 1.379.414
30-Jun-20
No. Pos-pos/ Posts Saldo/ Balance
Jatuh Tempo/ Due Date
< 1 bulan < 1 Month
> 1 bln s.d. 3 bln
> 1 Month till 3 Months
> 3 bln s.d. 6 bln
> 3 Month till 6 Months
> 6 bln s.d. 12 bln
> 6 Month till 12 Month
> 12 bulan > 12 Months
(1) (2) (3) (4) (5) (6) (7) (8)
B. Kewajiban/ Liabilities 3.609.038 2.817.458 596.942 114.596 80.042 -
1 Dana Pihak Ketiga/ Third Party Funds 3.257.396 2.494.326 568.432 114.596 80.042 -
2 Kewajiban pada Bank Indonesia/ Liabilities on Bank of Indonesia
- - - - - -
3 Kewajiban pada bank lain/ Liabilities on Other Banks 342.248 313.738 28.510 - - -
4 Surat Berharga yang Diterbitkan/ Securities Issued
5 Pinjaman yang Diterima/ Borrowing
6 Kewajiban lainnya/ Other Liabilities
7 Lain-lain/ Others 9.394 9.394 - - - -
Total Kewajiban/ Total Liabillities 3.609.038 2.817.458 596.942 114.596 80.042 -
Selisih Aset dengan Kewajiban dalam Neraca/ Difference Between Assets with Liabilities in the Balance Sheet
(552.923) (2.432.388) (492.867) 507.877 485.041 1.379.414
II REKENING ADMINISTRATIF/ ADMINISTRATIVE ACCOUNT
A. Tagihan Rekening Administratif/ Administrative Account
1 Komitmen/ Commitment
2 Kontijensi/ Contingency
Total Tagihan Rekening Administratif/ Total Administrative Account Claims - - - - - -
B. Kewajiban Rekening Administratif/ Administrative Account Liabilities
1 Komitmen/ Commitment 513 - 257 257 - -
2 Kontijensi/ Contingency 14.654 - 4.619 6.058 1.397 2.580
Total Kewajiban Rekening Administratif/ Total Administrative Account Liabilities 15.167 - 4.875 6.315 1.397 2.580
Selisih Tagihan dan Kewajiban dalam Rekening Administratif/ Difference Between Charges with Liabilities in the Balance Sheet
(15.167) - (4.875) (6.315) (1.397) (2.580)
Selisih [(IA-IB)+(IIA-IIB)]/ Difference [(IA-IB)+(IIA-IIB)]
(568.090) (2.432.388) (497.742) 501.562 483.644 1.376.833
Selisih Kumulatif/ Cummulative Difference (2.432.388) (2.930.130) (2.428.567) (1.944.924) (568.090)
Tabel 4. Pengungkapan Kuantitatif Risiko Operasional / Quantitative Disclosures of Operational Risk
(dalam jutaan rupiah)/ (in million rupiah)
No. Pendekatan Yang Digunakan/ Approach Method
30-Jun-20
Pendapatan Bruto (Rata-rata 3 tahun terakhir)/ Gross Income
(Average Last 3 years)
Beban Modal/ Capital Charge ATMR/ RWA
(1) (2) (3) (4) (5)
1 Pendekatan Indikator Dasar/ Basic Indicator Approach 1.338.192 200.729 2.509.110
Total 1.338.192 200.729 2.509.110