Professional Documents
Culture Documents
C. RWA TARGET
RWA Operational Risk - based on Past Performance Unit (PIC : Mrs Diah Lukitasari - ERM)
RWA Market Risk - based on target 2014 (PIC: Mrs Dian Andriyani - ERM)
RWA Credit Risk - based on target 2014 (PIC: Mr Lugas Prancafitri - ERM)
D. LOSS RESERVE
It can be allocated by proportion of the NPL. (PIC: Mr. Lugas Prancafitri)
(Rp Billion)
UNIT
LOSS RESERVE
BUSINESS BANKING 11,254
LMC1 1,305
LMC2 504
BIN 522
CNS 3,296
BNR 2,331
CMR 3,296
CONSUMER & RETAIL BANKING 1,700
PDM 174
CNR 850
SLN 676
TRESURI & INTERNASIONAL 518
Divisi Tresuri -
Divisi Internasional 259
KCLN Singapore 116
KCLN Hong Kong 36
KCLN Tokyo 22
KCLN New York 17
KCLN London 68
KANTOR WILAYAH 3,996
W01 Medan 216
W02 Padang 220
W03 Palembang 324
W04 Bandung 423
W05 Semarang 353
W06 Surabaya 347
W07 Makassar 479
W08 Denpasar 101
W09 Banjarmasin 254
W10 Jakarta Senayan 274
W11 Manado 148
W12 Jakarta Kota 263
W14 BSD 131
W15 Jakarta Kemayoran 411
W16 Papua 52
TOTAL 17,468
MIRRORING 10,708
(Rp Billion) konversi
MARKET RISK OPERATIONAL RISK 1000
% ATMR %
#DIV/0! 30,271 43.7%
#DIV/0! 3,990 5.8%
#DIV/0! 5,543 8.0%
#DIV/0! 4,308 6.2%
#DIV/0! 7,471 10.8%
#DIV/0! 5,635 8.1%
#DIV/0! 3,324 4.8%
#DIV/0! 19,732 28.5%
#DIV/0! 1,736 2.5%
#DIV/0! 4,811 7.0%
#DIV/0! 13,185 19.1%
#DIV/0! 3,839.81 5.55%
#DIV/0! 3,001.30 4.34%
#DIV/0! 838.51 1.21%
#DIV/0! 30.52 0.04%
#DIV/0! 6.93 0.01%
#DIV/0! 25.25 0.04%
#DIV/0! 9.73 0.01%
#DIV/0! 16.31 0.02%
#DIV/0! 15,364 22.2%
#DIV/0! 824 1.2%
#DIV/0! 935 1.4%
#DIV/0! 789 1.1%
#DIV/0! 501 0.7%
#DIV/0! 1,340 1.9%
#DIV/0! 2,082 3.0%
#DIV/0! 568 0.8%
#DIV/0! 1,015 1.5%
#DIV/0! 1,301 1.9%
#DIV/0! 1,961 2.8%
#DIV/0! 541 0.8%
#DIV/0! 820 1.2%
#DIV/0! 1,064 1.5%
#DIV/0! 1,416 2.0%
#DIV/0! 207 0.3%
#DIV/0! 69,207 100%
22,983.37
REKAP INPUT
D. LOSS RESERVE
It can be allocated by proportion of the NPL. (PIC: Mr. Lugas Prancafitri)
(Rp Billion)
UNIT
LOSS RESERVE
BUSINESS BANKING 11,254
LMC1 1,305
LMC2 504
BIN 522
CNS 3,296
BNR 2,331
CMR 3,296
CONSUMER & RETAIL BANKING 1,700
PDM 174
CNR 850
SLN 676
TRESURI & INTERNASIONAL 518
Divisi Tresuri -
Divisi Internasional 259
KCLN Singapore 116
KCLN Hong Kong 36
KCLN Tokyo 22
KCLN New York 17
KCLN London 68
KANTOR WILAYAH 3,996
W01 Medan 216
W02 Padang 220
W03 Palembang 324
W04 Bandung 423
W05 Semarang 353
W06 Surabaya 347
W07 Makassar 479
W08 Denpasar 101
W09 Banjarmasin 254
W10 Jakarta Senayan 274
W11 Manado 148
W12 Jakarta Kota 263
W14 BSD 131
W15 Jakarta Kemayoran 411
W16 Papua 52
TOTAL 17,468
MIRRORING 10,708
RUPIAH
I. Earning Perspective/ Net Interest Income (NII) Gap
Dampak
terhadap NII Tahunan Time Band
(Juta Rupiah)
120,005.22 <1 bulan
(157,705.90) 1-3 bulan
(5,452.68) 3-6 bulan
(13,140.14) 6-12 bulan
56,293.49 TOTAL
Price Dampak
Sensitivity terhadap
Skala Waktu
Economic Value
(d)=(b)x(c) (Juta Rupiah)
0.08% 5,008.91 <1 bulan
0.32% (30,279.53) 1 - 3 bulan
0.72% (3,140.74) 3 - 6 bulan
1.42% (37,317.99) 6 - 12 bulan
2.76% (680,603.59) 1 - 2 tahun
4.50% 85,766.29 2 - 3 tahun
6.14% 228,242.25 3 - 4 tahun
7.70% 238,278.19 4 - 5 tahun
10.16% 203,934.01 5 - 7 tahun
13.26% 691,186.38 7 - 10 tahun
17.84% 790,703.04 10 - 15 tahun
22.42% 707,813.27 15 - 20 tahun
26.02% 95,386.57 > 20 tahun
Total 2,294,977.06
piah)
hift) Type
atan/Penurunan dalam Currency
Type
Currency
ektif Economic Value
2,294,977.06 Valas
VALAS
ng Perspective/ Net Interest Income (NII) Gap
Eksposur IRRBB
Price Dampak
Sensitivity terhadap
Economic Value
(d)=(b)x(c) (Ribu USD)
0.08% -
0.32% -
0.72% 1.45
1.42% 6,100.75
2.76% -
4.50% -
6.14% -
7.70% -
10.16% -
13.26% -
17.84% -
22.42% -
26.02% -
Total 6,102.20
SD)
shift)
atan/Penurunan dalam
ektif Economic Value
6,102.20
Scenario 5 :
Unit Gross Income 2012 Gross Income 2013
Business Banking 16,144,549,318,686 14,014,944,560,386
LMC1 2,128,155,117,642 2,040,927,107,006
LMC2 2,956,213,230,555 2,638,361,843,345
BIN 2,297,470,746,387 2,449,229,212,942
CNS 3,984,303,297,640 2,935,779,091,063
BNR 3,005,569,990,300 2,501,761,660,963
CMR 1,772,836,936,161 1,448,885,645,067
Consumer & Retail 10,523,879,234,677 9,714,677,840,162
BSK 925,908,418,867 903,230,811,452
CNR 2,565,783,953,423 2,356,565,325,650
SLN 7,032,186,862,386 6,454,881,703,059
Tresuri & Internasional 2,047,898,562,921 1,748,852,940,446
TRS 1,600,693,394,978 1,398,475,670,834
INT 447,205,167,943 350,377,269,612
Singapore 16,277,684,579 17,874,894,652
Hongkong 3,694,280,204 4,052,537,292
Tokyo 13,465,297,798 16,094,030,202
New York 5,187,536,412 5,401,407,286
London 8,696,041,702 8,455,810,428
Kantor Wilayah 8,194,036,892,731 6,492,223,573,749
Kanwil 1-Medan 439,580,288,426 348,563,701,389
Kanwil 2-Padang 498,498,278,037 403,426,568,131
Kanwil 3-Palembang 420,755,546,984 376,719,924,632
Kanwil 4-Bandung 267,183,620,476 (30,171,741,095)
Kanwil 5-Semarang 714,413,439,906 568,347,240,901
Kanwil 6-Surabaya 1,110,300,852,705 958,938,736,252
Kanwil 7-Makassar 302,976,632,001 217,172,459,050
Kanwil 8-Denpasar 541,298,134,724 407,354,313,321
Kanwil 9-Banjarmasin 694,106,970,785 565,482,473,063
Kanwil 10-Jakarta Senayan 1,045,945,049,525 839,853,568,840
Kanwil 11-Manado 288,504,988,491 285,549,877,905
Kanwil 12-Jakarta Kota 437,340,124,841 342,581,291,924
Kanwil 14-Jakarta BSD 567,656,017,860 477,039,130,181
Kanwil 15-Jakarta Kemayora 755,111,973,006 643,324,169,056
Kanwil 16-Papua 110,364,974,963 88,041,860,200
Gross Income 2014 Average
18,274,154,076,985 16,144,549,318,686
2,215,383,128,278 2,128,155,117,642
3,274,064,617,766 2,956,213,230,555
2,145,712,279,832 2,297,470,746,387
5,032,827,504,217 3,984,303,297,640
3,509,378,319,637 3,005,569,990,300
2,096,788,227,256 1,772,836,936,161
11,333,080,629,191 10,523,879,234,677
948,586,026,282 925,908,418,867
2,775,002,581,196 2,565,783,953,423
7,609,492,021,713 7,032,186,862,386
2,346,944,185,396 2,047,898,562,921
1,802,911,119,122 1,600,693,394,978
544,033,066,275 447,205,167,943
14,680,474,507 16,277,684,579
3,336,023,115 3,694,280,204
10,836,565,394 13,465,297,798
4,973,665,538 5,187,536,412
8,936,272,976 8,696,041,702
9,895,850,211,713 8,194,036,892,731
530,596,875,463 439,580,288,426
593,569,987,943 498,498,278,037
464,791,169,336 420,755,546,984
564,538,982,046 267,183,620,476
860,479,638,910 714,413,439,906
1,261,662,969,159 1,110,300,852,705
388,780,804,952 302,976,632,001
675,241,956,128 541,298,134,724
822,731,468,508 694,106,970,785
1,252,036,530,210 1,045,945,049,525
291,460,099,078 288,504,988,491
532,098,957,759 437,340,124,841
658,272,905,540 567,656,017,860
866,899,776,957 755,111,973,006
132,688,089,726 110,364,974,963
DIVISI BUMN & INSTITUTION
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
- - 0.66% -
- - 1.30% -
- - 2.47% -
- - 0.00% -
- - - - 6.45% -
- - 1.63% -
- - 0.46% -
- - - - - 0.00% -
- - 18.27% -
- - 0.00% -
- - 0.00% -
- - 0.00% -
- - - - - -
UL UL/EL
-
-
-
-
-
-
-
-
-
-
-
-
- -
DIVISI LOCAL & MULTINATIONAL COMPANY 1
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
50% 150% 100% (IDR juta) (%) (IDR juta) (IDR juta)
- - 0.66% - -
- - 1.30% - -
- - 2.47% - -
- - 0.00% - -
- - 6.45% - -
- - 1.63% - -
- - 0.46% - -
- - 0.00% - -
- - 18.27% - -
- - 0.00% - -
- - 0.00% - -
- - 0.00% - -
- - - - - -
UL/EL
(rasio)
-
DIVISI LOCAL & MULTINATIONAL COMPANY 2
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
50% 150% 100% (IDR juta) (%) (IDR juta) (IDR juta)
- - 0.66% - -
- - 1.30% - -
- - 2.47% - -
- - 0.00% - -
- - 6.45% - -
- - 1.63% - -
- - 0.46% - -
- - 0.00% - -
- - 18.27% - -
- - 0.00% - -
- - 0.00% - -
- - 0.00% - -
- - - - - -
UL/EL
(rasio)
-
DIVISI COMMERCIAL & SMALL
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko 1000000
1.15
01 WILAYAH MEDAN
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya -
TOTAL - -
02 WILAYAH PADANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
03 WILAYAH PALEMBANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
04 WILAYAH BANDUNG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
05 WILAYAH SEMARANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
06 WILAYAH SURABAYA
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
07 WILAYAH MAKASSAR
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
08 WILAYAH DENPASAR
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
09 WILAYAH BANJARMASIN
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
11 WILAYAH MANADO
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
14 WILAYAH BSD
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
16 WILAYAH PAPUA
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - -
1.1
Small
Small Bank
(plafond s/d NPL Others TOTAL RWA
(plafond >Rp.1milyar) Rp.1milyar) (i.e. KKLK)
2,422,432 - - - - 4,535,817
302,957 - - - - 2,223,757
3,739,980 - - - - 17,313,737
65,746 - - - - 596,926
2,369,795 - - - - 7,688,800
22,239,328 - - - - 35,115,559
1,398,175 - - - - 5,908,833
5,501,539 - - - - 9,452,895
2,671,453 - - - - 4,103,999
- - - - - -
- - - - - -
- - - - - -
40,711,405 - - - - 86,940,323
- -
- -
- -
- -
- -
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- -
- - - - - -
- -
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- - - - - -
- -
- -
- -
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- -
- - - - - -
- -
- -
- -
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- - - - - -
- -
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- - - - - -
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- - - - - -
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- - - - - -
- -
- -
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- - - - - -
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- - - - - -
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- -
- -
- -
- -
- -
- - - - - -
Historical EL UL UL/EL
NPL
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
6.98% - -
8.69% - -
4.16% - -
3.48% - -
4.74% - -
3.89% - -
4.36% - -
1.79% - -
6.45% - -
0.00% - -
0.00% - -
0.00% - -
- - -
DIVISI PRODUCT DEVELOPMENT
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
KPR
Risk Weight TOTAL Kredit Beragun Program
Economic Sectors TARGET Rumah Tinggal Pemerintah
01 WILAYAH MEDAN
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
02 WILAYAH PADANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
03 WILAYAH PALEMBANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
04 WILAYAH BANDUNG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
05 WILAYAH SEMARANG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
06 WILAYAH SURABAYA
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
07 WILAYAH MAKASSAR
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
08 WILAYAH DENPASAR
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
09 WILAYAH BANJARMASIN
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
11 WILAYAH MANADO
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
14 WILAYAH BSD
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
16 WILAYAH PAPUA
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain (Konsumtif)
Perumahan
Lainnya
TOTAL - - -
Retail Kredit Beragun
Kredit Kepada Others
Bank (plafond s/d Properti NPL
Karyawan (Lainnya)
Rp.1milyar) Komersial
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
Historical
TOTAL RWA EL UL UL/EL
NPL
- 7.30% - -
- 26.96% - -
- 7.09% - -
- 4.19% - -
- 10.89% - -
- 5.85% - -
- 8.39% - -
- 5.08% - -
- 3.91% - -
- 0.00% - -
- 1.73% - -
- 0.31% - -
- - - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
- 7.30% - - -
- 26.96% - - -
- 7.09% - - -
- 4.19% - - -
- 10.89% - - -
- 5.85% - - -
- 8.39% - - -
- 5.08% - - -
- 3.91% - - -
- 0.00% - - -
- 1.73% - - -
- 0.31% - - -
- - -
DIVISI BISNIS KARTU
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
- - - - - 0.66% -
- - - - - 1.30% -
- - - - - 2.47% -
- - - - - 0.00% -
- - - - - 6.45% -
- - - - - 1.63% -
- - - - - 0.46% -
- - - - - 0.00% -
- - - - - 18.27% -
- 0.00% -
- 0.00% -
- - 2.21% -
- - - - - -
UL UL/EL
-
-
-
-
-
-
-
-
-
-
-
-
- -
DIVISI INTERNASIONAL
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
KREDIT
INTERNATIONAL DIVISION
1 Pertanian Perburuan & Sarana Pertanian - - -
2 Pertambangan - - -
3 Industri Pengolahan - - -
4 Listrik, Gas & Air - - -
5 Konstruksi - - -
6 Perdagangan, Restoran & Hotel - - -
7 Pengangkutan, pergudangan&komunikasi - - -
8 Jasa2 Dunia Usaha - - -
9 Jasa2 sosial masyarakat - - -
10 Lain-lain - - -
Perumahan - - -
Lainnya - - -
TOTAL - - -
SINGAPORE
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - - -
HONG KONG
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - - -
TOKYO
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - - -
NEW YORK
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - - -
LONDON
1 Pertanian Perburuan & Sarana Pertanian
2 Pertambangan
3 Industri Pengolahan
4 Listrik, Gas & Air
5 Konstruksi
6 Perdagangan, Restoran & Hotel
7 Pengangkutan, pergudangan&komunikasi
8 Jasa2 Dunia Usaha
9 Jasa2 sosial masyarakat
10 Lain-lain
Perumahan
Lainnya
TOTAL - - -
KREDIT SURAT BERH
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
- - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
SURAT BERHARGA PLACEMENT
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
-
-
-
-
-
-
-
-
-
-
-
-
- - - - - -
PLACEMENT
20% 50% (IDR juta) (IDR juta) (%) (IDR juta) (IDR juta) (rasio)
- - - - 0.66% - -
- - - - 1.30% - -
- - - - 2.47% - -
- - - - 0.00% - -
- - - - 6.45% - -
- - - - 1.63% - -
- - - - 0.46% - -
- - - - 0.00% - -
- - - - 18.27% - -
- - - - 0.00% - -
- - - - 1.73% - -
- - - - 0.31% - -
- - - - - - -
- - 0.66% - - -
- - 1.30% - - -
- - 2.47% - - -
- - 0.00% - - -
- - 6.45% - - -
- - 1.63% - - -
- - 0.46% - - -
- - - 0.00% - - -
- - 18.27% - - -
- - 0.00% - - -
- - 1.73% - - -
- - 0.31% - - -
- - - - -
- - 0.66% - - -
- - 1.30% - - -
- - 2.47% - - -
- - 0.00% - - -
- - 6.45% - - -
- - 1.63% - - -
- - 0.46% - - -
- - - 0.00% - - -
- - 18.27% - - -
- - 0.00% - - -
- - 1.73% - - -
- - 0.31% - - -
- - - - -
- - 0.66% - - -
- - 1.30% - - -
- - 2.47% - - -
- - 0.00% - - -
- - 6.45% - - -
- - 1.63% - - -
- - 0.46% - - -
- - - 0.00% - - -
- - 18.27% - - -
- - 0.00% - - -
- - 1.73% - - -
- - 0.31% - - -
- - - - -
- - 0.66% - - -
- - 1.30% - - -
- - 2.47% - - -
- - 0.00% - - -
- - 6.45% - - -
- - 1.63% - - -
- - 0.46% - - -
- - - 0.00% - - -
- - 18.27% - - -
- - 0.00% - - -
- - 1.73% - - -
- - 0.31% - - -
- - - - -
- - 0.66% - - -
- - 1.30% - - -
- - 2.47% - - -
- - 0.00% - - -
- - 6.45% - - -
- - 1.63% - - -
- - 0.46% - - -
- - - 0.00% - - -
- - 18.27% - - -
- - 0.00% - - -
- - 1.73% - - -
- - 0.31% - - -
- - - - -
DIVISI INTERNASIONAL
- - - - - - - - -
- - - - - - - - - -
Posisi Devisa
(equivalen IDR)
0
-
- - - - - - - - - -
Posisi Devisa
(equivalen IDR)
0
-
Posisi Devisa
(equivalen IDR)
0
-
Posisi Devisa
(equivalen IDR)
0
-
Posisi Devisa
(equivalen IDR)
0
-
Posisi Devisa
(equivalen IDR)
0
-
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
- - -
- - - - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - - - -
Risiko Risiko
Total Spesifik Umum
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - - - -
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - - - -
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - - - - -
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - -
- - - - - -
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
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DIVISI TREASURY
Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
SURAT BERHARGA
TOTAL Pemerintah
Risk Weight TARGET Lain Highly
Pemerintah RI
Economic Sectors SURAT Rated
BERHARGA (min AA-)
(IDR juta) 0% 0%
TREASURY DIVISION
1 Pertanian Perburuan & Sarana Pertanian - - -
2 Pertambangan - - -
3 Industri Pengolahan - - -
4 Listrik, Gas & Air - - -
5 Konstruksi - - -
6 Perdagangan, Restoran & Hotel - - -
7 Pengangkutan, pergudangan&komunikasi - - -
8 Jasa2 Dunia Usaha - - -
9 Jasa2 sosial masyarakat - - -
10 Lain-lain - - -
Perumahan - - -
Lainnya - - -
TOTAL - - -
SURAT BERHARGA PLACEMENT
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ACEMENT
TOTAL Historical
Other TOTAL RWA EL UL UL/EL
TARGET NPL
Banks
50% (IDR juta) (IDR juta) (%) (IDR juta) (IDR juta) (rasio)
- - 0.66% - -
- - 1.30% - -
- - 2.47% - -
- - 0.00% - -
- - 6.45% - -
- - 1.63% - -
- - 0.46% - -
- - - 0.00% - -
- - 18.27% - -
- - 0.00% - -
- - 0.00% - -
- - 0.00% - -
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Target Eksposur: Risiko Suku Bunga
Surat Berharga dan Instrumen Derivatif dengan surat berharga sebagai instrumen yang
No. mendasari: < 1 bln
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Posisi Devisa
(equivalen IDR)
0
-
Risiko Risiko
> 15 - Total
> 20 thn Spesifik Umum
20 thn
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Target Eksposur Kredit berdasarkan Sektor Ekonomi dan Bobot Risiko
No. Surat Berharga dan Instrumen Derivatif dengan surat berharga sebagai instrumen yang mendasari:
General Market>>
1 Issued by Pemerintah Indonesia
2 Issued by Pemerintah Negara Lain*
a. High Grade (AAA s.d AA-)
b. Investment Grade (A+ s.d BBB-)
c. Speculative Grade (BB+ s.d B-) dan tanpa peringkat
d. peringkat kurang dari B-
3 Qualified Instruments
4 Other Instruments
a. Issued by Corporate
i. High Grade (AAA s.d AA- atau A-1)
ii. Upper Investment Grade (A+ s.d A- atau A-2)
iii. Investment Grade (BBB+ s.d BB- atau A-3)
iv. Speculative Grade (kurang dari BB- atau A-3) dan tanpa peringkat
b. Issued by Banks
i. Speculative Gade (BB+ s.d B-) dan tanpa peringkat
ii. Lower Speculative Grade (kurang dari B- atau A-3)
c. issued by Public Sector Entities, Multilateral Development Banks, and International Bodies
i. Speculative Grade (BB+ s.d B-) dan tanpa peringkat
ii. Lower Speculative (kurang dari B-)
Sisa Jangka Waktu Sampai dengan Jatuh
< 1 bulan > 1 - 3 bulan > 3 - 6 bulan > 6 - 12 bulan > 1 - 2 tahun > 2 - 3 tahun > 3 - 4 tahun
0.00% 0.20% 0.40% 0.70% 1.25% 1.75% 2.25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%