PT BANK ANZ INDONESIA - institutional.anz.com · Tagihan Kepada Usaha Mikro, ... Tabel Pengungkapan...
Transcript of PT BANK ANZ INDONESIA - institutional.anz.com · Tagihan Kepada Usaha Mikro, ... Tabel Pengungkapan...
PT BANK ANZ INDONESIA
ANZ TOWER
Jl. Jend. Sudirman Kav. 33a
Jakarta 10220
www.anz.co.id
Informasi Kuantitatif Eksposur Risiko
Quantitative Information of Risk Exposures
Posisi 30 Juni 2017
As at 30 June 2017
Dalam Jutaan Rupiah/In Million Rp
Bank
I
A 6,311,421
1 1,650,000
2 5,144,440
3 -
4 483,019-
5 -
B 225,008
1 225,008
2 -
3 -
C
-
D -
E -
II 6,536,429
III
6,536,429
IV 20,969,331
V 6,955,317
VI
A 1,394,016
B -
VII
22.30%
Eksposur Sekuritisasi
Securitization Exposure
Modal disetor
Paid in CapitalCadangan Tambahan Modal
Additional Capital ReservesModal Inovatif
Innovative CapitalFaktor Pengurang Modal Inti
Factor Reducing Core CapitalKepentingan Non Pengendali
Non Controling Interest
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO PASAR
RISK WEIGHTED ASSETS (RWA) FOR MARKET RISK
RASIO KEWAJIBAN PENYEDIAAN MODAL MINIMUM UNTUK RISIKO KREDIT, RISIKO OPERASIONAL DAN RISIKO
PASAR [III : (IV + V + VI)]
CAPITAL ADEQUACY RATIO - CREDIT RISK, OPERATIONAL RISK AND MARKET RISK [III : (IV + V + VI)]
Metode Standar
Standard ApproachMetode Internal
Internal Approach
Modal Pelengkap Tambahan yang Dialokasikan untuk Mengantisipasi Risiko Pasar
Additional Suplementary Capital which is Allocated To Anticipate Market Risk
TOTAL MODAL INTI DAN MODAL PELENGKAP (A + B - C)
TOTAL 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 CORE CAPITAL, SUPPLEMENTARY CAPITAL, AND ADDITIONALLY SUPPLEMENTARY CAPITAL ALLOCATED
TO ANTICIPATE MARKET RISK (A + B - C + E)
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO KREDIT
RISK WEIGHTED ASSETS (RWA) FOR CREDIT RISK
ASET TERTIMBANG MENURUT RISIKO (ATMR) UNTUK RISIKO OPERASIONAL
RISK WEIGHTED ASSETS (RWA) FOR OPERTIONAL RISK
Tabel 1.a Pengungkapan Kuantitatif Struktur PermodalanTable 1.a Quantitative Disclosure of Capital Structure
KOMPONEN MODAL
CAPITAL COMPONENT
Modal Pelengkap Tambahan Yang Memenuhi Persyaratan (Tier 3)
Additional Suplementary Capital that Satisfies Requirement (Tier 3)
Modal Inti
Core Capital
Modal Pelengkap
Suplementary Capital
30 Juni 2017/
30 June 2017
Faktor Pengurang Modal Inti dan Modal Pelengkap
Factor Reducing Core Capital and Supplementary Capital
KOMPONEN MODAL
CAPITAL COMPONENT
Level Atas
Upper Tier 2Level Bawah (Lower Tier 2) maksimum 50% Modal Inti
Lower Tier 2 maximum 50% of Core CapitalFaktor Pengurang Modal Pelengkap
Factor Reducing Supplementary Capital
Dalam Jutaan Rupiah/In Million Rp
Wilayah 1
Zone 1
Wilayah 2
Zone 2
Wilayah 3
Zone 3
Wilayah 4
Zone 4
Wilayah 5
Zone 5
Jumlah
Total
1Tagihan Kepada Pemerintah
Claims on Sovereign6,184,178 - - - - 6,184,178
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector1,358,113 - - 1,112 3,431 1,362,656
3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Bank and International Institution- - - - - -
4Tagihan Kepada Bank
Claims on Bank2,989,519 - - - - 2,989,519
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property528,989 308,112 232,994 - - 1,070,095
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio3,296,132 1,334,584 1,284,685 576,140 300,486 6,792,027
9Tagihan kepada Korporasi
Claims on Corporate10,343,494 2,030,664 340,334 45,237 58,619 12,818,348
10Tagihan yang Telah Jatuh Tempo
Past Due Claims244,015 52,319 64,478 26,546 13,683 401,041
11Aset Lainnya
Other Assets663,527 15,137 58,784 17,053 7,216 761,717
12Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - - -
Jumlah
Total25,607,967 3,740,816 1,981,275 666,088 383,435 32,379,581
Keterangan/Remark :
Wilayah 1/Zone 1 : DKI Jakarta
Wilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and Banten
Wilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/Central Java, East Java and Bali
Wilayah 4/Zone 4 : Sumatera
Wilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua
Tabel 2.1.a Pengungkapan Tagihan Bersih Berdasarkan Wilayah - Bank secara Individual
Table 2.1.a Net Amount Based On Geography - Bank Only
Tagihan bersih berdasarkan wilayah
Net Amount Based on GeographyNo.Kategori Portofolio
Portfolio Category
30 Juni 2017/30 June 2017
Dalam Jutaan Rupiah/In Million Rp
≤ 1 tahun
≤ 1 year
>1 thn s.d. 3 thn
>1 yr to
3 yrs
>3 thn s.d. 5 thn
>3 yrs to
5 yrs
> 5 thn
> 5 yrs
Non-Kontraktual
Non-Contractual
Jumlah
Total
1Tagihan Kepada Pemerintah
Claims on Sovereign- 2,977,446 883,831 487,665 1,835,236 6,184,178
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector154,087 1,205,138 3,431 - - 1,362,656
3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Bank and International Institution- - - - - -
4Tagihan Kepada Bank
Claims on Bank- 594,156 16,589 19,681 2,359,093 2,989,519
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property- 9,708 54,697 1,005,690 - 1,070,095
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and Retail Portfolio9,399 1,290,990 2,211,124 493,574 2,786,940 6,792,027
9Tagihan kepada Korporasi
Claims on Corporate631,646 7,359,576 3,492,715 1,334,411 - 12,818,348
10Tagihan yang Telah Jatuh Tempo
Past Due Claims124,227 58,851 73,783 45,619 98,561 401,041
11Aset Lainnya
Other Assets- - - - 761,717 761,717
12Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Shariah Unit (if any)- - - - - -
Jumlah
Total919,359 13,495,865 6,736,170 3,386,640 7,841,547 32,379,581
Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - Bank secara Individual
Table 2.2.a Disclosure on Net Amount Based on Contractual Remaining Maturity - Bank Only
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Amount Based on Contractual Remaining MaturityNo.Kategori Portofolio
Portfolio Category
30 Juni 2017/30 June 2017
Dalam Jutaan Rupiah/ In Million Rp
No.Sektor Ekonomi
Economic Sector
Tagihan Kepada
Pemerintah
Claims on
Sovereign
Tagihan Kepada
Entitas Sektor
Publik
Claims on
Public Sector
Tagihan Kepada Bank
Pembangunan
Multilateral dan
Lembaga Internasional
Claims on Multilateral
Development Bank and
International Institution
Tagihan Kepada
Bank
Claims on Bank
Kredit Beragun
Rumah Tinggal
Claims Secured
by Residential
Property
Kredit Beragun
Properti
Komersial
Claims Secured
by Commercial
Real Estate
Kredit
Pegawai/Pensiu
nan Employee
Loan/Pension
Tagihan Kepada
Usaha Mikro,
Usaha Kecil dan
Portofolio Ritel
Claims on Micro
and Small
Enterprise and
retail Portfolio
Tagihan kepada
Korporasi
Claims on
Corporate
Tagihan yang
Telah Jatuh
Tempo
Past Due Claims
Aset Lainnya
Other Assets
Eksposur di Unit Usaha Syariah
(apabila ada)
Exposures at Shariah Unit (if any)
30 Juni 2017/30 June 2017
1Pertanian, perburuan dan Kehutanan
Agriculture, Hunting and Forestry- - - - - - - - 40,260 - - -
2Perikanan
Fishery- - - - - - - - - - - -
3Pertambangan dan Penggalian
Mining and Excavation- 1,072,760 - - - - - - 1,457,429 122,394 - -
4Industri pengolahan
Manufacturing- 3,431 - - - - - 1,387 6,598,671 2,861- - -
5Listrik, Gas dan Air
Electricity, Gas and Water- - - - - - - - 109,887 - - -
6Konstruksi
Construction- - - - - - - 402 362,627 - - -
7Perdagangan besar dan eceran
Whosale and Retail Trading- 160,385 - - - - - 1,530 1,193,644 1,809 - -
8Penyediaan akomodasi dan penyediaan makan minum
Accommodation and Food Providers- - - - - - - - 10,663 - - -
9Transportasi, pergudangan dan komunikasi
Transportation, Warehouse and Communication- 3,520 - - - - - - 1,363,892 - - -
10Perantara keuangan
Financial Brokerage- 80,554 - 2,904,883 - - - 119 869,369 - - -
11Real estate, usaha persewaan dan jasa perusahaan
Real Estate, Leasing and Corporate Services- - - - - - - - 569,518 - - -
12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib
Public Administration, Defense and Compulsory Social Security6,184,178 42,006 - 84,636 - - - - - - - -
13Jasa pendidikan
Education Services- - - - - - - - - - - -
14Jasa kesehatan dan kegiatan sosial
Health and Social Services- - - - - - - - - - - -
15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya
Social Services, Social Culture, Entertainment and Individual Services- - - - - - - - 22,774 - - -
16Jasa perorangan yang melayani rumah tangga
Individual Services for Housing- - - - - - - - - - - -
17Badan internasional dan badan ekstra internasional lainnya
International Agency and Other International Extra Agency- - - - - - - - - - - -
18Kegiatan yang belum jelas batasannya
Other Services- - - - - - - - - - - -
19Bukan Lapangan Usaha
Non Business Activity- - - - 1,070,095 - - 6,788,589 - 279,699 - -
20Lainnya
Others- - - - - - - - 219,614 - 761,717 -
Jumlah
Total6,184,178 1,362,656 - 2,989,519 1,070,095 - - 6,792,027 12,818,348 401,041 761,717 -
Tabel 2.3.a Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 2.3.a Disclosure on Net Amount Based on Economic Sector - Bank Only
Dalam Jutaan Rupiah/In Million Rp
Beban Modal
Capital Charge
ATMR
RWA
1 - -
a. Risiko Spesifik
Specific Risk- -
b. Risiko Umum
General Risk90,316 1,128,952
2 21,205 265,065
3
4
5 - -
111,521 1,394,016
Risiko Ekuitas
Equity RiskRisiko Komoditas
Commodity RiskRisiko Option
Option RiskJumlah
Total
Tabel Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar
Table Market Risk under the Standardized Approach
Jenis Risiko
Type of Risk
Risiko Suku Bunga
Interest Rate Risk
Risiko Nilai Tukar
Foreign Exchange Risk
No.
30 Juni 2017/ 30 June 2017
Bank
Dalam Jutaan Rupiah/In Million Rp
1Pendekatan Indikator Dasar
Basic Indicator Approach3,709,502 556,425 6,955,317
Jumlah
Total3,709,502 556,425 6,955,317
Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual
Table Operational Risk under Basic Indicator Approach - Bank Only
No. Pendekatan Yang Digunakan
Approach
30 Juni 2017/ 30 June 2017
Pendapatan Bruto
(Rata-rata 3 tahun
terakhir)
Gross Income
(Average of last 3
years)
Beban Modal
Capital Charge
ATMR
RWA
Dalam Jutaan Rupiah/In Million Rp
Wilayah 1
Zone 1
Wilayah 2
Zone 2
Wilayah 3
Zone 3
Wilayah 4
Zone 4
Wilayah 5
Zone 5
Jumlah
Total
1Tagihan
Gross Financial Assets22,588,117 3,673,810 1,858,935 622,998 362,628 29,106,488
2Tagihan yang mengalami penurunan nilai (impaired )
Impaired Assets
a. Belum jatuh tempo/Current 12,832 607 1,880 714 85 16,118
b. Telah jatuh tempo/Past Due 455,075 507,157 133,326 29,901 15,382 1,140,841
3Cadangan kerugian penurunan nilai (CKPN) - Individual
Individual Impairment Provision364,078 469,451 61,457 - - 894,986
4Cadangan kerugian penurunan nilai (CKPN) - Kolektif
Portfolio Impairment Provision565,138 147,333 152,000 67,660 35,898 968,029
5Tagihan yang dihapus buku
Write Off Assets6,169,213 103,896 345,490 117,414 18,392 6,754,405
Keterangan/Remark :Wilayah 1/Zone 1 : DKI JakartaWilayah 2/Zone 2 : Jawa Barat dan Banten/West Java and BantenWilayah 3/Zone 3 : Jawa Tengah, Jawa Timur dan Bali/Central Java, East Java and BaliWilayah 4/Zone 4 : SumateraWilayah 5/Zone 5 : Kalimantan, Sulawesi, Nusa Tenggara, Papua
Tabel 2.4.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - Bank secara IndividualTable 2.4.a - Disclosure on Gross Financial Assets and Provision Based on Geography - Bank Only
Wilayah
GeographyNo.
Keterangan
Description
30 Juni 2017/30 June 2017
Dalam Jutaan Rupiah/In Million Rp
Belum Jatuh Tempo
Current
Telah jatuh tempo
Past Due
30 Juni 2016/30 June 2016
1Pertanian, perburuan dan Kehutanan
Agriculture, Hunting and Forestry40,260 - - - 42 -
2Perikanan
Fishery- - - - - -
3Pertambangan dan Penggalian
Mining and Excavation2,530,190 - 260,540 250,969 87,093 -
4Industri pengolahan
Manufacturing6,603,490 - 477,084 501,767 50,414 -
5Listrik, Gas dan Air
Electricity, Gas and Water109,887 - - 55,549 - -
6Konstruksi
Construction363,029 - - - 2,408 -
7Perdagangan besar dan eceran
Whosale and Retail Trading1,355,558 - 85,029 83,220 11,317 187,513
8Penyediaan akomodasi dan penyediaan makan minum
Accommodation and Food Providers10,663 - - - 6 -
9Transportasi, pergudangan dan komunikasi
Transportation, Warehouse and Communication1,367,412 - - - 22,142 9,037
10Perantara keuangan
Financial Brokerage3,854,924 - - - 4,669 -
11Real estate, usaha persewaan dan jasa perusahaan
Real Estate, Leasing and Corporate Services569,518 - - 320 2,835 -
12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib
Public Administration, Defense and Compulsory Social Security3,808,829 - - - 2 -
13Jasa pendidikan
Education Services- - - - - -
14Jasa kesehatan dan kegiatan sosial
Health and Social Services- - - - - -
15Jasa kemasyarakatan, sosial budaya, hiburan dan perorangan lainnya
Social Services, Social Culture, Entertainment and Individual Services22,774 - - - 14 -
16Jasa perorangan yang melayani rumah tangga
Individual Services for Housing- - - - - -
17Badan internasional dan badan ekstra internasional lainnya
International Agency and Other International Extra Agency- - - - - -
18Kegiatan yang belum jelas batasannya
Other Services- - - - - -
19Bukan Lapangan Usaha
Non Business Activity7,844,525 16,118 318,188 3,162 787,087 -
20Lainnya
Others625,429 - - - - 6,557,855
Jumlah
Total 29,106,488 16,118 1,140,841 894,987 968,029 6,754,405
Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara Individual
Table 2.5.a Disclosure on Gross Financial Assets and Provision Based on Economic Sector - Bank Only
Tagihan yang dihapus
buku
Write Off
No.Sektor Ekonomi
Economic Sector
Tagihan
Gross Financial Assets
Tagihan yang Mengalami Penurunan Nilai
Impaired AssetsCadangan Kerugian
Penurunan Nilai (CKPN)-
Individual
Individual Impairment
Provision
Cadangan kerugian
penurunan nilai (CKPN)
- Kolektif
Portfolio Impairment
Provision
Dalam Jutaan Rupiah/In Million Rp
CKPN Individual
Individual Impairment
Provision
CKPN Kolektif
Portfolio Impairment
Provision
1 1,175,431 1,090,727
2
2.a Pembentukan CKPN pada periode berjalan
Charge of Impairment Provision for the Current Year (Net)200,602 135,856-
2.b Pemulihan CKPN pada periode berjalan
Release of Impairment Provision for the Current Year (Net)- -
3 304,597- 111,810-
4 43,703- 7,778-
1,027,733 835,283
CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada periode berjalan
Impairment Provision for Write Off Current Year
Saldo akhir CKPN
Ending Balance of Impairment Provision
Pembentukan (pemulihan) CKPN pada periode berjalan (Net)
Charge (Release) of Impairment Provision for the Current Year (Net)
Saldo awal CKPN
Beginning Balance of Impairment Provision
Pembentukan (pemulihan) lainnya pada periode berjalan
Other Charge (Release) for the Current Year
Tabel 2.6.a Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - Bank secara Individual
Table 2.6.a Disclosure on Detail of Impairment Provision Movement - Bank Only
30 Juni 2017/
30 June 2017
No.Keterangan
Description
Dalam Jutaan Rupiah/ In Million Rp
Lembaga Pemeringkat
Rating Agency
Standard and Poor's AAAAA+ s.d AA-
AA+ to AA-
A+ s.d A-
A+ to A-
BBB+ s.d BBB-
BBB+ to BBB-
BB+ s.d BB-
BB+ to BB-
B+ s.d B-
B+ to B-
Kurang dari B-
Below B-A-1 A-2 A-3
Kurang dari A-3
Below A-3
Fitch Rating AAAAA+ s.d AA-
AA+ to AA-
A+ s.d A-
A+ to A-
BBB+ s.d BBB-
BBB+ to BBB-
BB+ s.d BB-
BB+ to BB-
B+ s.d B-
B+ to B-
Kurang dari B-
Below B-
F1+ s.d F1
F1+ to F1F2 F3
Kurang dari F3
Below F3
Moody's AaaAa1 s.d Aa3
Aa1 to Aa3
A1 s.d A3
A1 to A3
Baa1 s.d Baa3
Baa1 to Baa3
Ba1 s.d Ba3
Ba1 to Ba3
B1 s.d B3
BI to B3
Kurang dari B3
Below B3P-1 P-2 P-3
Kurang dari P-3
Below P-3
PT. Fitch Ratings Indonesia AAA (idn)AA+(idn) s.d AA-(idn)
AA+(idn) to AA-(idn)
A+(idn) s.d. A-(idn)
A+(idn) to A-(idn)
BBB+(idn) s.d BBB-(idn)
BBB+(idn) to BBB-(idn)
BB+(idn) s.d BB-(idn)
BB+(idn) to BB-(idn)
B+(idn) s.d B-(idn)
B+(idn) to B-(idn)
Kurang dari B-(idn)
Below B-(idn)
F1+(idn) s.d F1(idn)
F1+(idn) to F1(idn)F2(idn) F3(idn)
Kurang dari F3(idn)
Below F3(idn)
PT ICRA Indonesia [Idr]AAA[Idr]AA+ s.d [Idr]AA-
[Idr]AA+ to [Idr]AA-
[Idr]A+ s.d [Idr]A-
[Idr]A+ to [Idr]A-
[Idr]BBB+ s.d [Idr]BBB-
[Idr]BBB+ to [Idr]BBB-
[Idr]BB+ s.d [Idr]BB-
[Idr]BB+ to [Idr]BB-
[Idr]B+ s.d [Idr]B-
[Idr]B+ to [Idr]B-
Kurang dari [Idr]B-
Below [Idr]B-
[Idr]A1+ s.d [Idr]A1
[Idr]A1+ to [Idr]A1
[Idr]A2+ s.d A2
[Idr]A2+ to A2
[Idr]A3+ s.d [Idr] A3
[Idr]A3+ to [Idr] A3
Kurang dari [Idr]A3
Below [Idr]A3
PT Pemeringkat Efek Indonesia idAAAidAA+ s.d idAA-
idAA+ to idAA-
idA+ s.d id A-
idA+ to idA-
id BBB+ s.d id BBB-
id BBB+ to id BBB-
id BB+ s.d id BB-
id BB+ to id BB-
id B+ s.d id B-
id B+ to id B-
Kurang dari idB-
Below idB-idA1 idA2
idA3 s.d id A4
idA3 to id A4
Kurang dari idA4
Below idA4
1Tagihan Kepada Pemerintah
Claims on Sovereign- - - - - - - - - - - 6,184,178 6,184,178
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector- - 80,554 - - - - - - - - 1,282,102 1,362,656
3Tagihan Kepada Bank Pembangunan Multilateral
dan Lembaga Internasional- - - - - - - - - - - - -
4Tagihan Kepada Bank
Claims on Bank- 2,369,792 217,731 303,417 11,153 - - - - - - 87,425 2,989,518
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate
7Kredit Pegawai/Pensiunan
Employee Loan/Pension
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan
Portofolio Ritel-
9Tagihan kepada Korporasi
Claims on Corporate- 751,076 19,697 10,830 109,887 - - - - - - 11,926,860 12,818,350
10Tagihan yang Telah Jatuh Tempo
Past Due Claims
11Aset Lainnya
Other Assets
12Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - - - - - - - - - -
JUMLAH
TOTAL- 3,120,868 317,982 314,247 121,040 - - - - - - 19,480,565 23,354,702
Peringkat Jangka Pendek
Short Term Rating
Tanpa
Peringkat
Unrated
Jumlah
Total
Tabel 3.1.a Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - Bank secara IndividualTable 3.1.a Disclosure on Net Amount based on Portfolio Category and Rating - Bank Only
No.Kategori Portofolio
Portfolio Category
Peringkat Jangka panjang
Long Term Rating
30 Juni 2017/30 June 2017Tagihan Bersih/Net Amount
Dalam Jutaan Rupiah/In Million Rp
≤ 1 tahun
≤ 1 year
> 1 tahun - ≤ 5
tahun
> 1 year - ≤ 5
years
≥ 5 tahun
≥ 5 years
1Suku Bunga
Interest Rate9,328,644 9,854,578 1,466,080 53,769 48,306 53,769 - 53,769
2Nilai Tukar
Foreign Exchange- 22,515,878 - 105,392 136,671 105,392 - 105,392
3Lainnya
Others5,775,789 6,021,865 - 157,522 125,781 157,522 - 157,522
JUMLAH
TOTAL15,104,433 38,392,321 1,466,080 316,683 310,758 316,683 - 316,683
Tabel 3.2.a Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Derivatif
Table 3.2.a Disclosure on Counterparty Credit Risk : Derivative Transactions
BANK SECARA INDIVIDUAL
BANK ONLY
No.
Variabel yang Mendasari
Underlying Financial
Instrument
30 Juni 2017/30 June 2016
Nilai Notional
Notional Amount Tagihan
Derivatif
Derivative
Receivable
Kewajiban
Derivatif
Derivative
Payable
Tagihan Bersih
sebelum MRK
Net Amount Before
CRM
MRK (Mitigasi
Risiko Kredit)
CRM (Credit
Risk
Mitigation)
Tagihan Bersih
setelah MRK
Net Amount
After CRM
Dalam Jutaan Rupiah/ In Million Rp
Tagihan Bersih/ Net
Amount
Nilai MRK/
CRM Amount
ATMR setelah MRK/
RWA After CRM
1Tagihan Kepada Pemerintah
Claims on Sovereign- - - -
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector- - - -
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
Claims on Multilateral Development Bank and International
Institution
- - - -
4Tagihan Kepada Bank
Claims on Bank- - - -
5Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio- - - -
6Tagihan kepada Korporasi
Claims on Corporate- - - -
7Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - -
JUMLAH/TOTAL - - - -
Tabel 3.2.c Pengungkapan Risiko Kredit Pihak Lawan: Transaksi Reverse Repo - Bank secara IndividualTable 3.2.c Disclosure on Counterparty Credit Risk : Reverse Repo Transactions - Bank Only
Tagihan Bersih
setelah MRK/
Net Amount After
CRM
No.Kategori Portofolio
Portfolio Category
30 Juni 2017/ 30 June 2017
Dalam Jutaan Rupiah/In Million Rp
0% 20% 35% 40% 45% 50% 75% 100% 150%Lainnya
Others
AEksposur Neraca
On Balance Sheet
1Tagihan Kepada Pemerintah
Claims on Sovereign- - - - - - - - - - - -
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector- - - - - 87,245 - - - - 87,245 6,980
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
Claims on Multilateral Development Bank and International
Institution
- - - - - - - - - - - -
4Tagihan Kepada Bank
Claims on Bank- 530,721 - - - 41,166 - - - - 571,887 45,751
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property- 300,106 85,060 - - - - - 385,166 30,813
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - - - - - - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - - - - - - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio- - - - - - 5,091,329 - - - 5,091,329 407,306
9Tagihan kepada Korporasi
Claims on Corporate- - - - - 3,048 10,719,359 - - 10,722,407 857,793
10Tagihan yang Telah Jatuh Tempo
Past Due Claims- - - - - - - 38,977 543,096 - 582,073 46,566
11Aset Lainnya
Other Assets- - - - - - - 595,755 - - 595,755 47,660
12Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - - - - - - - - -
Total Eksposur Neraca
Total On Balance Sheet- 530,721 300,106 85,060 - 131,459 5,091,329 11,354,091 543,096 - 18,035,862 1,442,869
B
Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi
Rekening Administratif
Off Balance Sheet
- -
1Tagihan Kepada Pemerintah
Claims on Sovereign- - - - - - - - - - - -
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector- - - - - 820,462 - - - - 820,462 65,637
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
Claims on Multilateral Development Bank and International
Institution
- - - - - - - - - - - -
4Tagihan Kepada Bank
Claims on Bank- - - - - - - - - - - -
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property- - - - - - - - - - - -
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - - - - - - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - - - - - - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio- - - - - - - - - - - -
9Tagihan kepada Korporasi
Claims on Corporate- 76,482 - - - 3,191 - 1,463,098 - - 1,542,771 123,422
10Tagihan yang Telah Jatuh Tempo
Past Due Claims- - - - - - - - - - - -
11Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - - - - - - - - -
Total Eksposur TRA
Total Off Balance Sheet- 76,482 - - - 823,653 - 1,463,098 - - 2,363,233 189,059
CEksposur akibat Kegagalan Pihak Lawan
Counterparty Credit Risk- -
1Tagihan Kepada Pemerintah
Claims on Sovereign- - - - - - - - - - - -
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector- - - - - 32,360 - - - - 32,360 2,589
3
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
Claims on Multilateral Development Bank and International
Institution
- - - - - - - - - - - -
4Tagihan Kepada Bank
Claims on Bank- 75,349 87,159 - 30,540 - - 193,048 15,444
5Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio- - - - - - 571 - - - 571 46
6Tagihan kepada Korporasi
Claims on Corporate- - - - - - - 344,257 344,257 27,541
7Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - - - - - - - - -
Total Eksposur akibat Kegagalan Pihak Lawan
Counterparty Credit Risk- 75,349 - - - 119,519 571 374,797 - - 570,236 45,620
Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Bank secara Individual
Table 4.1.a Disclosure on Net Amount based on Risk Weight After Credit Risk Mitigation - Bank Only
No.Kategori Portofolio
Portfolio Category
ATMR
RWA
Beban Modal
Capital Charge
30 Juni 2017/ 30 June 2017
Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit
Net Amount after Credit Risk Mitigation
Dalam Jutaan Rupiah/In Million Rp
Agunan
Cash Collateral
Garansi
Guarantee
Asuransi Kredit
Credit
Insurance
Lainnya
Others
AEksposur Neraca
On Balance Sheet
1Tagihan Kepada Pemerintah
Claims on Sovereign6,184,178 - - - 6,184,178
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector174,490 - - - 174,490
3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Bank and International Institution- - - - -
4Tagihan Kepada Bank
Claims on Bank2,835,933 100,000 - - 2,735,933
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property1,070,095 - - - 1,070,095
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio6,791,906 3,467 - - 6,788,439
9Tagihan kepada Korporasi
Claims on Corporate10,763,160 249,567 - - 10,513,593
10Tagihan yang Telah Jatuh Tempo
Past Due Claims401,041 - - - 401,041
11Aset Lainnya
Other Assets761,717 - - 761,717
12Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - -
Total Eksposur Neraca
Total On Balance Sheet28,982,520 353,034 - - - 28,629,486
BEksposur Rekening Adminsitratif
Off Balance Sheet
1Tagihan Kepada Pemerintah
Claims on Sovereign-
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector1,640,923 - - - 1,640,923
3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Bank and International Institution- - - - -
4Tagihan Kepada Bank
Claims on Bank- - - - -
5Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property- - - - -
6Kredit Beragun Properti Komersial
Claims Secured by Commercial Real Estate- - - - -
7Kredit Pegawai/Pensiunan
Employee Loan/Pension- - - - -
8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio- - - - -
9Tagihan kepada Korporasi
Claims on Corporate2,064,925 233,407 - - 1,831,518
10Tagihan yang Telah Jatuh Tempo
Past Due Claims- - - - -
11Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - -
Total Eksposur Rekening Administratif
Total Off Balance Sheet3,705,848.00 233,407.00 0.00 0.00 0.00 3,472,441
CEksposur akibat Kegagalan Pihak Lawan
Counterparty Credit Risk6,944,882
1Tagihan Kepada Pemerintah
Claims on Sovereign10,733 - - -
2Tagihan Kepada Entitas Sektor Publik
Claims on Public Sector64,718 - - -
3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional
Claims on Multilateral Development Bank and International Institution- - - - -
4Tagihan Kepada Bank
Claims on Bank581,596 - - - 581,596
5Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio761 - - - 761
6Tagihan kepada Korporasi
Claims on Corporate344,257 - - - 344,257
7Eksposur di Unit Usaha Syariah (apabila ada)
Exposures at Sharia Unit (if any)- - - - -
Total Eksposur Akibat Kegagalan Pihak Lawan
Counterparty Credit Risk1,002,065 - - - - 1,002,065
33,690,433 586,441 - - - 33,103,992
Tabel Pengungkapan Tagihan Bersih Dan Teknik Mitigasi Risiko Kredit - Bank secara IndividualTable Net Amount and Credit Risk Mitigation Technique - Bank Only
Tagihan Bersih
Net Amount
Bagian Yang Dijamin Dengan/Secured by
Jumlah (A+B+C)
Total (A+B+C)
No.Kategori Portofolio
Portfolio Category
30 Juni 2017/ 30 June 2017
Bagian Yang
Tidak Dijamin
Unsecured
Exposure
Dalam Jutaan Rupiah/In Million Rp
Tagihan Bersih
Net Amount
ATMR Sebelum MRK
RWA Before CRM
ATMR Setelah MRK
RWA After CRM
1. 6,184,178 - -
2. 174,490 87,245 87,245
3. - - -
4. 2,835,933 591,887 571,887
5. 1,070,095 385,166 385,166
6. - - -
7. - - -
8. 6,791,906 5,093,930 5,091,329
9. 10,763,160 10,760,112 10,546,602
10. 401,041 582,073 582,073
11. 761,717 - 595,755
28,982,520 17,500,413 17,860,057
Tagihan Bersih
Net Amount
ATMR Sebelum MRK
RWA Before CRM
ATMR Setelah MRK
RWA After CRM
1. - - -
2. 1,640,923 820,462 820,462
3. - - -
4. - - -
5. - - -
6. - - -
7. - - -
8. - - -
9. 2,064,925 1,755,805 1,542,771
10. - - -
3,705,848 2,576,267 2,363,233
Kredit Beragun Rumah Tinggal
Claims Secured by Residential Property
Kredit Pegawai/Pensiunan
Employee Loan/Pension
Kredit Beragun Properti Komersial
Claims Secured by Residential PropertyKredit Pegawai/Pensiunan
Employee Loan/PensionTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail PortfolioTagihan Kepada Korporasi
Claims on CorporateTagihan yang Telah Jatuh Tempo
Past Due Claims
Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail Portfolio
Kredit Beragun Properti Komersial
Claims Secured by Residential Property
Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga
InternasionalTagihan Kepada Bank
Claims on BanksKredit Beragun Rumah Tinggal
Claims Secured by Residential Property
Tagihan Kepada Pemerintah
Claims on SovereignTagihan Kepada Entitas Sektor Publik
Claims on Public Sector
Tagihan Kepada Korporasi
Claims on CorporateTagihan yang Telah Jatuh Tempo
Past Due ClaimsJUMLAH
TOTAL
JUMLAH
TOTAL
Tagihan Kepada Pemerintah
Claims on SovereignTagihan Kepada Entitas Sektor Publik
Claims on Public SectorTagihan Kepada Bank Pembangunan Multilateral dan Lembaga
InternasionalTagihan Kepada Bank
Claims on Banks
Dalam Jutaan Rupiah/In Million Rp30 Juni 2017/30 June 2017
Tabel Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif
Table Exposure on Commitment/Contingent Liabilities in Administrative Accounts
No.Kategori Portofolio
Portfolio Category
Aset Lainnya
Other Assets
Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual
30 Juni 2017/ 30 June 2017
Credit RWA Calculation under Standardized Approach - Bank Only
Tabel Pengungkapan Eksposur Aset di Neraca
Table Asset Exposure on Balance Sheet
Kategori Portofolio
Portfolio CategoryNo.
14
Tagihan Bersih
Net Amount
ATMR Sebelum MRK
RWA Before CRM
ATMR Setelah MRK
RWA After CRM
1. 10,733 - -
2. 64,718 32,360 32,360
3. - - -
4. 581,596 193,048 193,048
5. 761 571 571
6. 344,257 344,257 344,257
1,002,065 570,236 570,236
Dalam Jutaan Rupiah/In Million Rp
- TOTAL FAKTOR PENGURANG MODAL
TOTAL CAPITAL DEDUCTION FACTOR
TOTAL ATMR RISIKO KREDIT
TOTAL RWA CREDIT RISK20,793,526
30-Jun-17
Tabel Pengungkapan Total Pengukuran Risiko KreditTable Total Credit Risk
Tagihan Kepada Bank
Claims on BanksTagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel
Claims on Micro and Small Enterprise and retail PortfolioTagihan Kepada Korporasi
Claims on CorporateJUMLAH
TOTAL
Dalam Jutaan Rupiah/In Million Rp
30 Juni 2017/30 June 2017
Tagihan Kepada Pemerintah
Claims on Sovereign
Table Counterparty Credit Risk
Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit
No.Kategori Portofolio
Portfolio Category
Tagihan Kepada Entitas Sektor Publik
Claims on Public SectorTagihan Kepada Bank Pembangunan Multilateral dan Lembaga
Internasional
15
Dalam Jutaan Rupiah/In Million Rp
I
A
1.Kas
Cash120,862 120,862 - - - -
2.Penempatan pada Bank Indonesia
Placement to BI875,619 875,619 - - - -
3.Penempatan pada Bank Lain
Placement to Other Banks39,618 39,618 - - - -
4.Surat Berharga
Marketable Securities4,749,451 28,757 - 893,098 505,860 3,321,736
5.Kredit yang Diberikan
Loans12,502,164 5,650,324 322,714 377,534 1,037,668 5,113,924
6.Tagihan Lainnya
Other Receivables70,643 2,508 66,372 1,763 - -
7.Lain-lain
Others365,712 149,833 204,232 - 11,647 -
18,724,069 6,867,521 593,318 1,272,395 1,555,175 8,435,660
B
1.Dana Pihak Ketiga
Third Party Funds9,556,782 4,946,577 3,861,135 680,299 68,771 -
2.Kewajiban pada Bank Indonesia
Liabilities to BI- - - - - -
3.Kewajiban pada Bank Lain
Liabilities to Other Banks377,801 377,801 - - - -
4.Surat Berharga yang Diterbitkan
Issued Marketable Securities- - - - - -
5.Pinjaman yang Diterima
Borrowing- - - - - -
6.Kewajiban Lainnya
Other Liabilities365,927 297,625 66,611 1,691 - -
7.Lain-lain
Others709,361 54,846 278,626 - 262,827 113,062
11,009,871 5,676,849 4,206,372 681,990 331,598 113,062
7,714,198 1,190,672 3,613,054- 590,405 1,223,577 8,322,598
II
A
1.Komitmen
Commitment- - - - - -
2.Kontinjensi
Contigent- - - - - -
- - - - - -
B
1.Komitmen
Commitment326,585 21,810 132,575 - - 172,200
2.Kontinjensi
Contigent13,257 - - - - 13,257
339,842 21,810 132,575 - - 185,457
339,842.0- 21,810.0- 132,575.0- - - 185,457-
7,374,356 1,168,862 3,745,629- 590,405 1,223,577 8,137,141
- 1,168,862.0 2,576,767.0- 1,986,362.0- 762,785.0- 7,374,356
Tabel Pengungkapan Profil Maturitas Rupiah - Bank Secara IndividualTable Maturity Profile Rupiah - Bank Only
>6 bln s.d. 12
bln
>6 moths to
12 months
>12 bln
>12 months
Saldo
Balance
30 Juni 2017/ 30 June 2017
No. ≤ 1 bulan
≤ 1 month
>1 bln s.d. 3
bln
>1 moth to
3 months
>3 bln s.d. 6
bln
>3 moths to
6 months
Pos-Pos
Account
Selisih Tagihan dan Kewajiban dalam Rekening Administratif
Off Balance Sheet Receivable - Off Balance Sheet Payable
Selisih (IA-IB)+(IIA-IIB)
Difference (IA-IB)+(IIA-IIB)
Selisih Kumulatif
Cummulative Difference
NERACA
ON BALANCE SHEETAset
Asset
Total Aset
Total Asset
Kewajiban
Liabilities
Total Kewajiban
Total Liabilities
Selisih Aset dengan Kewajiban dalam Neraca
Asset - Liabilities
REKENING ADMINISTRATIF
OFF BALANCE SHEETTagihan Rekening Administratif
Off Balance Sheet Receivable
Kewajiban Rekening Administratif
Off Balance Sheet Payable
Total Tagihan Rekening Administratif
Total Off Balance Sheet Receivable
Total Kewajiban Rekening Administratif
Total Off Balance Sheet Payable
Dalam Jutaan Rupiah/In Million Rp
I
A
1.Kas
Cash45,102 45,102 - - - -
2.Penempatan pada Bank Indonesia
Placement to BI1,626,016 1,626,016 - - - -
3.Penempatan pada Bank Lain
Placement to Other Banks2,611,169 2,611,169 - - - -
4.Surat Berharga
Marketable Securities75,197 19,526 45,115 - 10,556 -
5.Kredit yang Diberikan
Loans6,442,676 916,300 209,396 242,316 923,631 4,151,033
6.Tagihan Lainnya
Other Receivables1,132,667 289,058 507,051 155,138 71,105 110,316
7.Lain-lain
Others30,361 29,135 1,146 - 80 -
11,963,188 5,536,305 762,708 397,454 1,005,371 4,261,349
B
1.Dana Pihak Ketiga
Third Party Funds9,640,824 8,453,259 613,848 458,670 86,059 28,988
2.Kewajiban pada Bank Indonesia
Liabilities to BI- - - - - -
3.Kewajiban pada Bank Lain
Liabilities to Other Banks710,356 586,432 123,924 - - -
4.Surat Berharga yang Diterbitkan
Issued Marketable Securities- - - - - -
5.Pinjaman yang Diterima
Borrowing- - - - - -
6.Kewajiban Lainnya
Other Liabilities1,126,696 281,221 503,798 185,086 53,912 102,679
7.Lain-lain
Others222,791 8,583 166,520 18,033 29,655 -
11,700,666 9,329,495 1,408,090 661,789 169,625 131,667
262,522 3,793,189- 645,382- 264,334- 835,746 4,129,681
II
A
1.Komitmen
Commitment13,960,709 5,664,481 2,790,937 2,606,411 2,898,880 -
2.Kontinjensi
Contigent- - - - - -
13,960,709 5,664,481 2,790,937 2,606,411 2,898,880 -
B
1.Komitmen
Commitment13,406,277 5,781,834 2,483,727 2,398,947 1,837,425 904,345
2.Kontinjensi
Contigent610,822 - 16,847 475,943 - 118,033
14,017,100 5,781,834 2,500,573 2,874,890 1,837,425 1,022,378
56,391- 117,353- 290,364 268,479- 1,061,455 1,022,378-
206,131 3,910,542- 355,018- 532,814- 1,897,201 3,107,304
- 3,910,542- 4,265,560- 4,798,374- 2,901,173- 206,131
Tabel Pengungkapan Profil Maturitas Valas - Bank Secara Individual
Table Maturity Profile Foreign Currency - Bank Only
No. Pos-Pos
Account
30 Juni 2017/ 30 June 2017
Saldo
Balance
≤ 1 bulan
≤ 1 month
>1 bln s.d. 3 bln
>1 moth to
3 months
>3 bln s.d. 6 bln
>3 moths to
6 months
Kewajiban
Liabilities
>6 bln s.d. 12
bln
>6 moths to
12 months
>12 bln
>12 months
NERACA
ON BALANCE SHEETAset
Asset
Total Aset
Total Asset
Total Kewajiban Rekening Administratif
Total Off Balance Sheet Payable
Selisih Tagihan dan Kewajiban dalam Rekening Administratif
Off Balance Sheet Receivable - Off Balance Sheet Payable
Selisih (IA-IB)+(IIA-IIB)
Difference (IA-IB)+(IIA-IIB)
Selisih Kumulatif
Cummulative Difference
Total Kewajiban
Total Liabilities
Selisih Aset dengan Kewajiban dalam Neraca
Asset - Liabilities
REKENING ADMINISTRATIF
OFF BALANCE SHEETTagihan Rekening Administratif
Off Balance Sheet Receivable
Total Tagihan Rekening Administratif
Total Off Balance Sheet Receivable
Kewajiban Rekening Administratif
Off Balance Sheet Payable