pt bank anz indonesia - institutional.anz.com · internasional claims on multilateral development...

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 2018

As at 30 June 2018

Dalam Jutaan Rupiah/In Million Rp

Bank

I

A 7.229.725

1 1.650.000

2 5.703.484

3 -

4 123.759-

5 -

B 151.548

1 151.548

2 -

3 -

C

-

D -

E -

II 7.381.273

III

7.381.273

IV 16.133.561

V 3.630.808

VI

A 1.903.332

B -

VII

34,07%

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 2018/

30 June 2018

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


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 Sovereign5.692.326 - - - - 5.692.326

2Tagihan Kepada Entitas Sektor Publik

Claims on Public Sector1.434.040 236.035 - - 2.051 1.672.126

3

Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional

Claims on Multilateral Development Bank and International Institution

- - - - - -

4Tagihan Kepada Bank

Claims on Bank3.871.508 - - - - 3.871.508

5Kredit Beragun Rumah Tinggal

Claims Secured by Residential Property- - - - - -

6Kredit Beragun Properti Komersial

Claims Secured by Commercial Real Estate- - - - - -

7Kredit Pegawai/Pensiunan

Employee Loan/Pension38.176 31.216 312 161 95 69.960

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel

Claims on Micro and Small Enterprise and retail Portfolio1.585.837 1.031.519 - 14.332 17.549 2.649.237

9Tagihan kepada Korporasi

Claims on Corporate8.939.886 1.169.252 55.534 518.586 36.320 10.719.578

10Tagihan yang Telah Jatuh Tempo

Past Due Claims862 25.718 - - 21.934 48.514

11Aset Lainnya

Other Assets372.368 - - - - 372.368

12Eksposur di Unit Usaha Syariah (apabila ada)

Exposures at Sharia Unit (if any)- - - - - -

Jumlah

Total21.935.003 2.493.740 55.846 533.079 77.949 25.095.617

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 2018/30 June 2018


≤ 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


Claims on Sovereign3.655.385 923.821 1.113.120 - - 5.692.326


Claims on Public Sector1.471.126 201.000 - - - 1.672.126

3Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional

Claims on Multilateral Development Bank and International Institution- - - - - -


Claims on Bank1.260.751 423.961 1.326.981 85.873 773.942 3.871.508


Claims Secured by Residential Property- - - - - -


Claims Secured by Commercial Real Estate- - - - - -


Employee Loan/Pension1.342 9.944 10.745 47.929 - 69.960


Claims on Micro and Small Enterprise and Retail Portfolio999.559 783.911 250.534 615.233 - 2.649.237


Claims on Corporate6.116.067 2.336.979 1.735.970 530.562 - 10.719.578


Past Due Claims27.308 20.344 - 862 - 48.514

11Aset Lainnya

Other Assets- - - - 372.368 372.368


Exposures at Shariah Unit (if any)- - - - - -

Jumlah

Total13.531.538 4.699.960 4.437.350 1.280.459 1.146.310 25.095.617

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 2018/30 June 2018

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 2018/30 June 2018

1Pertanian, perburuan dan Kehutanan

Agriculture, Hunting and Forestry- - - - - - - 14.332 4.238 - - -

2Perikanan

Fishery- - - - - - - - - - - -

3Pertambangan dan Penggalian

Mining and Excavation- 1.131.297 - - - - - 17.549 2.660.528 21.934 - -

4Industri pengolahan

Manufacturing- 2.051 - - - - - 2.290.006 2.309.516 25.718 - -

5Listrik, Gas dan Air

Electricity, Gas and Water- - - - - - - - 100.827 - - -

6Konstruksi

Construction- - - - - - - - 81.768 - - -

7Perdagangan besar dan eceran

Whosale and Retail Trading- - - - - - - 91.314 1.608.673 862 - -

8Penyediaan akomodasi dan penyediaan makan minum

Accommodation and Food Providers- - - - - - - - 280 - - -

9Transportasi, pergudangan dan komunikasi

Transportation, Warehouse and Communication- 458.450 - - - - - 236.036 785.831 - - -

10Perantara keuangan

Financial Brokerage- 80.328 - 3.851.695 - - - - 1.890.743 - - -

11Real estate, usaha persewaan dan jasa perusahaan

Real Estate, Leasing and Corporate Services- - - - - - - - 880.763 - - -

12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

Public Administration, Defense and Compulsory Social Security5.692.326 - - 19.813 - - - - - - - -

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- - - - - - - - - - - -

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- - - - - - 69.960 - - - - -

20Lainnya

Others- - - - - - - - 396.411 - 372.368 -

Jumlah

Total5.692.326 1.672.126 - 3.871.508 - - 69.960 2.649.237 10.719.578 48.514 372.368 -

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


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 Assets15.754.301 2.483.779 56.122 533.140 56.094 18.883.436

2Tagihan yang mengalami penurunan nilai (impaired )

Impaired Assets

a. Belum jatuh tempo/Current 62.753 - - - 55.906 118.659

b. Telah jatuh tempo/Past Due - 80.379 - - 94.268 174.647

3Cadangan kerugian penurunan nilai (CKPN) - Individual

Individual Impairment Provision105.512 54.662 - - 128.240 288.414

4Cadangan kerugian penurunan nilai (CKPN) - Kolektif

Portfolio Impairment Provision63.535 25.816 598 5.121 72 95.142

5Tagihan yang dihapus buku

Write Off Assets315 - - - - 315

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 2018/30 June 2018


Belum Jatuh Tempo

Current

Telah jatuh tempo

Past Due

30 Juni 2018/30 June 2018

1Pertanian, perburuan dan Kehutanan

Agriculture, Hunting and Forestry16.084 - - - - -

2Perikanan

Fishery- - - - - -

3Pertambangan dan Penggalian

Mining and Excavation1.354.052 55.906 94.268 128.239 5.178 -

4Industri pengolahan

Manufacturing4.461.864 - 80.379 54.662 37.150 -

5Listrik, Gas dan Air

Electricity, Gas and Water100.805 - - 51.490 - -

6Konstruksi

Construction81.574 - - - 2.067 -

7Perdagangan besar dan eceran

Whosale and Retail Trading1.698.169 54.312 - 53.450 5.554 -

8Penyediaan akomodasi dan penyediaan makan minum

Accommodation and Food Providers- - - - - -

9Transportasi, pergudangan dan komunikasi

Transportation, Warehouse and Communication1.202.658 - - - 14.066 -

10Perantara keuangan

Financial Brokerage3.504.462 - - - 23.550 -

11Real estate, usaha persewaan dan jasa perusahaan

Real Estate, Leasing and Corporate Services644.617 - - - 5.220 -

12Administrasi Pemerintahan, pertahanan dan jaminan sosial wajib

Public Administration, Defense and Compulsory Social Security5.677.467 - - - - -

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- - - - - -

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 Activity120.495 8.441 - 573 2.357 315

20Lainnya

Others21.189 - - - - -

Jumlah

Total 18.883.436 118.659 174.647 288.414 95.142 315

Tabel 2.5.a Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - Bank secara IndividualTable 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


CKPN Individual

Individual Impairment

Provision

CKPN Kolektif

Portfolio Impairment

Provision

1 317.974 737.942

2

2.a Pembentukan CKPN pada periode berjalan

Charge of Impairment Provision for the Current Year (Net)40.770 33.028

2.b Pemulihan CKPN pada periode berjalan

Release of Impairment Provision for the Current Year (Net)

3 82.033-

4 11.702 675.828-

288.414 95.142

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 2018/

30 June 2018

No.Keterangan

Description


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


Claims on Sovereign- - - - - - - - - - - 5.692.326 5.692.326


Claims on Public Sector- - 80.328 - - - - - - - - 1.591.798 1.672.126

3Tagihan Kepada Bank Pembangunan Multilateral

dan Lembaga Internasional- - - - - - - - - - - - -


Claims on Bank2.033 2.348.219 646.768 613.390 429 - - - - - - 260.669 3.871.508


Claims Secured by Residential Property- - - - - - -


Claims Secured by Commercial Real Estate- - - - - - -


Employee Loan/Pension- - - - - - - - - - - 69.960 69.960

8Tagihan Kepada Usaha Mikro, Usaha Kecil dan

Portofolio Ritel- - - - - - - - - - - 2.649.237 2.649.237


Claims on Corporate- - 63.069 28.662 100.827 - - - - - - 10.527.020 10.719.578


Past Due Claims- - - - - - - - - - - 48.514 48.514

11Aset Lainnya

Other Assets- - - - - - - - - - - 372.368 372.368


Exposures at Sharia Unit (if any)- - - - - - - - - - - - -

JUMLAH

TOTAL2.033 2.348.219 790.165 642.052 101.256 - - - - - - 21.211.892 25.095.617

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 IndividuTable 3.1.a Disclosure on Net Amount based on Portfolio Category and Rating - Bank Onl

No.Kategori Portofolio

Portfolio Category

Peringkat Jangka panjang

Long Term Rating

30 Juni 2018/30 June 2018Tagihan Bersih/Net Amount


≤ 1 tahun

≤ 1 year

> 1 tahun - ≤ 5

tahun

> 1 year - ≤ 5

years

≥ 5 tahun

≥ 5 years

1Suku Bunga

Interest Rate25.064.959 1.271.531 - 447.755 275.271 1.066.774 - 1.066.774

2Nilai Tukar

Foreign Exchange12.473.904 12.758.432 1.497.564 175.678 163.847 366.707 - 366.707

3Lainnya

Others5.669.352 19.333.388 - 807.453 1.018.440 2.698.475 - 2.698.475

JUMLAH

TOTAL43.208.215 33.363.351 1.497.564 1.430.886 1.457.558 4.131.956 - 4.131.956

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 2018/30 June 2018

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


Tagihan Bersih/ Net

Amount

Nilai MRK/

CRM Amount

ATMR setelah MRK/

RWA After CRM


Claims on Sovereign- - - -


Claims on Public Sector- - - -

3


Internasional

Claims on Multilateral Development Bank and International

Institution

- - - -


Claims on Bank- - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - -


Claims on Corporate- - - -


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


Portfolio Category

30 Juni 2018/ 30 June 2018


0% 20% 35% 40% 45% 50% 75% 100% 150%Lainnya

Others

AEksposur Neraca

On Balance Sheet


Claims on Sovereign- - - - - - - - - - -


Claims on Public Sector- - - - - 219.069 - - - 219.069 17.526

3


Internasional


Institution

- - - - - - - - - - -


Claims on Bank- 155.128 - - - 9.058 - - - 164.186 13.135


Claims Secured by Residential Property- - - - - - - - -


Claims Secured by Commercial Real Estate- - - - - - - - - - -


Employee Loan/Pension- - - - - - - - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - 49.498 - - 49.498 3.960


Claims on Corporate- - - - - - 10.367.953 - 10.367.953 829.436


Past Due Claims- - - - - - - 3.963 72.771 76.734 6.139

11Aset Lainnya

Other Assets- - - - - - - 359.503 - 359.503 28.760


Exposures at Sharia Unit (if any)- - - - - - - - - - -

Total Eksposur Neraca

Total On Balance Sheet- 155.128 - - - 228.127 49.498 10.731.419 72.771 - 11.236.943 898.956

B

Eksposur Kewajiban Komitmen/Kontinjensi pd Transaksi

Rekening Administratif

Off Balance Sheet

- -





3


Internasional


Institution

- - - - - - - - - - -


Claims on Bank- - - - - - - - - - -


Claims Secured by Residential Property- - - - - - - - - - -


Claims Secured by Commercial Real Estate- - - - - - - - - - -


Employee Loan/Pension- - - - - - - - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - - - - - -


Claims on Corporate- - - - - 15.876 - 900.777 - 916.653 73.332


Past Due Claims- - - - - - - - - - -



Total Eksposur TRA

Total Off Balance Sheet- - - - - 618.853 - 900.777 - - 1.519.630 121.570

CEksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk- -





3


Internasional


Institution

- - - - - - - - - - -


Claims on Bank- 453.579 404.930 - - - 858.509 68.681


Claims on Micro and Small Enterprise and retail Portfolio- - - - - - - - - - -


Claims on Corporate- - - - - - - 1.026.168 1.026.168 82.093



Total Eksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk- 453.579 - - - 418.948 - 1.026.168 - - 1.898.695 151.895

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


Portfolio Category

ATMR

RWA

Beban Modal

Capital Charge

30 Juni 2018/ 30 June 2018

Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit

Net Amount after Credit Risk Mitigation


Agunan

Cash Collateral

Garansi

Guarantee

Asuransi Kredit

Credit

Insurance

Lainnya

Others

AEksposur Neraca

On Balance Sheet


Claims on Sovereign5.692.326 - - - 5.692.326


Claims on Public Sector438.138 - - - 438.138


Claims on Multilateral Development Bank and International Institution- - - - -


Claims on Bank793.757 - - - 793.757


Claims Secured by Residential Property- - - - -


Claims Secured by Commercial Real Estate- - - - -


Employee Loan/Pension- - - - -


Claims on Micro and Small Enterprise and retail Portfolio65.997 - - - 65.997


Claims on Corporate10.494.062 157.638 - - 10.336.424


Past Due Claims52.477 - - - 52.477

11Aset Lainnya

Other Assets372.368 - - 372.368


Exposures at Sharia Unit (if any)- - - - -

Total Eksposur Neraca

Total On Balance Sheet17.909.125 157.638 - - - 17.751.487

BEksposur Rekening Adminsitratif

Off Balance Sheet


Claims on Sovereign-


Claims on Public Sector1.205.954 - - - 1.205.954




Claims on Bank- - - - -


Claims Secured by Residential Property- - - - -


Claims Secured by Commercial Real Estate- - - - -


Employee Loan/Pension- - - - -


Claims on Micro and Small Enterprise and retail Portfolio- - - - -


Claims on Corporate1.848.583 1.121.269 - - 727.314


Past Due Claims- - - - -



Total Eksposur Rekening Administratif

Total Off Balance Sheet3.054.537,00 1.121.269,00 0,00 0,00 0,00 1.933.268

CEksposur akibat Kegagalan Pihak Lawan

Counterparty Credit Risk3.866.536


Claims on Sovereign- - - -


Claims on Public Sector28.034 - - -




Claims on Bank3.077.751 - - - 3.077.751


Claims on Micro and Small Enterprise and retail Portfolio- - - - -


Claims on Corporate1.026.170 - - - 1.026.170



Total Eksposur Akibat Kegagalan Pihak Lawan

Counterparty Credit Risk4.131.955 - - - - 4.131.955

25.095.617 1.278.907 - - - 23.816.710

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)


Portfolio Category

30 Juni 2018/ 30 June 2018Bagian Yang

Tidak Dijamin

Unsecured

Exposure


Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. 5.692.326 - -

2. 438.138 219.069 219.069

3. - - -

4. 793.757 164.186 164.186

5. - - -

6. - - -

7. - - -

8. 65.997 49.498 49.498

9. 10.494.062 10.494.063 10.367.953

10. 52.477 76.734 76.734

11. 372.368 - 359.503

17.909.125 11.003.550 11.236.943

Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. - - -

2. 1.205.954 602.977 602.977

3. - - -

4. - - -

5. - - -

6. - - -

7. - - -

8. - - -

9. 1.848.584 1.832.709 916.653

10. - - -

3.054.538 2.435.686 1.519.630

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


InternasionalTagihan Kepada Bank

Claims on BanksKredit Beragun Rumah Tinggal


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 Claims

Tagihan 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 2018/30 June 2018

Tabel Pengungkapan Eksposur Kewajiban Komitmen/Kontinjensi pada Transaksi Rekening Administratif

Table Exposure on Commitment/Contingent Liabilities in Administrative Accounts


Portfolio Category

Aset Lainnya

Other Assets

Kredit Beragun Rumah Tinggal


Perhitungan ATMR Risiko Kredit Pendekatan Standar - Bank secara Individual

30 Juni 2018/ 30 June 2018

Credit RWA Calculation under Standardized Approach - Bank Only

Tabel Pengungkapan Eksposur Aset di Neraca

Table Asset Exposure on Balance Sheet

Kategori Portofolio

Portfolio CategoryNo.

JUMLAH

TOTAL

JUMLAH

TOTAL


Claims on Sovereign

14

Tagihan Bersih

Net Amount

ATMR Sebelum MRK

RWA Before CRM

ATMR Setelah MRK

RWA After CRM

1. - - -

2. 28.034 14.018 14.018

3. - - -

4. 3.077.751 858.509 858.509

5. - - -

6. 1.026.170 1.026.168 1.026.168

4.131.955 1.898.695 1.898.695


- TOTAL FAKTOR PENGURANG MODAL

TOTAL CAPITAL DEDUCTION FACTOR

TOTAL ATMR RISIKO KREDIT

TOTAL RWA CREDIT RISK16.133.561

30 Juni 2018/30 June 2018

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


30 Juni 2018/30 June 2018


Claims on Sovereign

Table Counterparty Credit Risk

Tabel Pengungkapan Eksposur yang Menimbulkan Risiko Kredit akibat Kegagalan Pihak Lawan (Counterparty Credit


Portfolio Category

Tagihan Kepada Entitas Sektor Publik

Claims on Public SectorTagihan Kepada Bank Pembangunan Multilateral dan Lembaga

Internasional

15


Beban Modal

Capital Charge

ATMR

RWA

1 - -

a. Risiko Spesifik

Specific Risk- -

b. Risiko Umum

General Risk129.785 1.622.310

2 22.482 281.022

3

4

5 - -

152.267 1.903.332

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 2018/ 30 June 2018

Bank


1Pendekatan Indikator Dasar

Basic Indicator Approach1.936.431 290.465 3.630.808

Jumlah

Total1.936.431 290.465 3.630.808

Tabel Pengungkapan Kuantitatif Risiko Operasional - Bank secara Individual

Table Operational Risk under Basic Indicator Approach - Bank Only

No. Pendekatan Yang Digunakan

Approach

30 Juni 2018/ 30 June 2018

Pendapatan Bruto

(Rata-rata 3 tahun

terakhir)

Gross Income

(Average of last 3

years)

Beban Modal

Capital Charge

ATMR

RWA


I

A

1.Kas

Cash10.560 10.560 - - - -

2.Penempatan pada Bank Indonesia

Placement to BI1.054.672 1.054.672 - - - -

3.Penempatan pada Bank Lain

Placement to Other Banks19.291 19.291 - - - -

4.Surat Berharga

Marketable Securities5.389.866 6.224 33.043 683.929 1.853.899 2.812.771

5.Kredit yang Diberikan

Loans5.225.992 364.432 172.054 1.011.269 1.444.219 2.234.018

6.Tagihan Lainnya

Other Receivables694.859 2.375 527.718 164.046 - 720

7.Lain-lain

Others228.027 220.052 - - - 7.975

12.623.267 1.677.606 732.815 1.859.244 3.298.118 5.055.484

B

1.Dana Pihak Ketiga

Third Party Funds3.209.064 3.209.064 - - - -

2.Kewajiban pada Bank Indonesia

Liabilities to BI- - - - - -

3.Kewajiban pada Bank Lain

Liabilities to Other Banks81.454 81.454 - - - -

4.Surat Berharga yang Diterbitkan

Issued Marketable Securities- - - - - -

5.Pinjaman yang Diterima

Borrowing- - - - - -

6.Kewajiban Lainnya

Other Liabilities760.842 2.375 527.718 164.046 - 66.703

7.Lain-lain

Others172.095 172.095 - - - -

4.223.455 3.464.988 527.718 164.046 - 66.703

8.399.812 1.787.382- 205.097 1.695.198 3.298.118 4.988.781

II

A

1.Komitmen

Commitment- - - - - -

2.Kontinjensi

Contigent105.479 105.479 - - - -

105.479 105.479 - - - -

B

1.Komitmen

Commitment2.742.455 154.929 346.230 716.204 1.274.927 250.165

2.Kontinjensi

Contigent930.605 533.848 97.929 86.000 190.494 22.334

3.673.060 688.777 444.159 802.204 1.465.421 272.499

3.567.581,0- 583.298,0- 444.159,0- 802.204,0- 1.465.421,0- 272.499-

4.832.231 2.370.680- 239.062- 892.994 1.832.697 4.716.282

- 2.370.680,0- 2.609.742,0- 1.716.748,0- 115.949,0 4.832.231

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 2018/ 30 June 2018

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


I

A

1.Kas

Cash2.307 2.307 - - - -

2.Penempatan pada Bank Indonesia

Placement to BI659.215 659.215 - - - -

3.Penempatan pada Bank Lain

Placement to Other Banks754.657 754.657 - - - -

4.Surat Berharga

Marketable Securities- - - - - -

5.Kredit yang Diberikan

Loans4.764.617 442.820 433.219 93.551 372.399 3.422.628

6.Tagihan Lainnya

Other Receivables1.959.559 227.673 462.281 244.712 115.062 909.831

7.Lain-lain

Others- - - - - -

8.140.355 2.086.672 895.500 338.263 487.461 4.332.459

B

1.Dana Pihak Ketiga

Third Party Funds5.212.740 5.212.740 - - - -

2.Kewajiban pada Bank Indonesia

Liabilities to BI- - - - - -

3.Kewajiban pada Bank Lain

Liabilities to Other Banks1.870.163 1.870.163 - - - -

4.Surat Berharga yang Diterbitkan

Issued Marketable Securities- - - - - -

5.Pinjaman yang Diterima

Borrowing- - - - - -

6.Kewajiban Lainnya

Other Liabilities1.941.817 261.293 424.104 179.364 120.192 956.864

7.Lain-lain

Others91.608 91.608 - - - -

9.116.328 7.435.804 424.104 179.364 120.192 956.864

975.973- 5.349.131- 471.396 158.899 367.269 3.375.595

II

A

1.Komitmen

Commitment15.914.445 4.916.695 3.983.047 3.599.871 3.403.855 10.977

2.Kontinjensi

Contigent1.996.317 1.996.317 - - - -

17.910.762 6.913.012 3.983.047 3.599.871 3.403.855 10.977

B

1.Komitmen

Commitment19.017.441 8.113.528 3.319.791 3.529.493 2.611.278 1.443.351

2.Kontinjensi

Contigent1.635.942 478.189 161.278 695.858 199.885 100.731

20.653.382 8.591.717 3.481.069 4.225.351 2.811.164 1.544.081

2.742.620- 1.678.704- 501.978 625.480- 592.691 1.533.104-

3.718.592- 7.027.836- 973.373 466.581- 959.960 1.842.491

- 7.027.836- 6.054.462- 6.521.043- 5.561.083- 3.718.592-

Tabel Pengungkapan Profil Maturitas Valas - Bank Secara Individual

Table Maturity Profile Foreign Currency - Bank Only

No. Pos-Pos

Account

30 Juni 2018/ 30 June 2018

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

pt bank anz indonesia - institutional.anz.com · internasional claims on multilateral development...

Documents