MANAJEMEN RISIKO KEUANGAN FINANCIAL RISK MANAGEMENT

PT ASTRA INTERNATIONAL Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Dinyatakan dalam miliaran Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in billions of Rupiah, unless otherwise stated Halaman - 100 - Page 36. MANAJEMEN RISIKO KEUANGAN lanjutan 36. FINANCIAL RISK MANAGEMENT continued Faktor-faktor risiko keuangan lanjutan Financial risk factors continued ii Risiko kredit lanjutan ii Credit risk continued b. Piutang pembiayaan lanjutan b. Financing receivables continued 48,631 2012 Piutang pembiayaan konsumen Consumers financing receivables Piutang sewa pembiayaan Finance lease receivables Jumlah Total Belum jatuh tempo 36,346 6,687 43,033 Neither past due nor dan tidak mengalami impaired penurunan nilai Telah jatuh tempo 5,052 2,517 7,569 Past due but not tetapi tidak mengalami impaired penurunan nilai Mengalami penurunan 496 5 501 Impaired nilai 41,894 9,209 51,103 Dikurangi: Less: Penyisihan piutang 2,110 362 2,472 Provision for doubtful ragu-ragu receivables 39,784 8,847 48,631 Provisi penurunan nilai dihitung berdasarkan estimasi historis piutang tak tertagih dan kondisi ekonomi saat ini. Penurunan nilai piutang pembiayaan terutama berasal dari pelanggan ritel, yang ditentukan secara kolektif. The provision for doubtful receivables was made based on estimated historical default experience and current economic conditions. The impaired financing receivables arise mainly from retail customers, which are assessed collectively. Pada tanggal 31 Desember 2013, termasuk dalam piutang pembiayaan yang belum jatuh tempo dan tidak mengalami penurunan nilai sebesar Rp 49,3 triliun 2012: Rp 43,0 triliun, jumlah sebesar Rp 5,9 triliun 2012: Rp 7,0 triliun, merupakan piutang pembiayaan yang pernah menunggak danatau dijadwal ulang. As at 31 December 2013, included in the financing receivables that are neither past due nor impaired of Rp 49.3 trillion 2012: Rp 43.0 trillion, is an amount of Rp 5.9 trillion 2012: Rp 7.0 trillion, which represents financing receivables that have overdue history andor have been rescheduled. Analisa umur piutang pembiayaan yang telah jatuh tempo tetapi tidak mengalami penurunan nilai adalah sebagai berikut: The ageing analysis of financing receivables that were past due but not impaired are as follows: 2013 2012 Piutang pembiayaan konsumen Consumers financing receivables Piutang sewa pembiayaan Finance lease receivables Jumlah Total Piutang pembiayaan konsumen Consumers financing receivables Piutang sewa pembiayaan Finance lease receivables Jumlah Total Lewat jatuh tempo: Overdue: 1 - 30 hari 3,229 2,123 5,352 4,073 1,421 5,494 1 - 30 days 31 - 60 hari 541 91 632 822 1,041 1,863 31 - 60 days 61 - 90 hari 79 - 79 157 55 212 61 - 90 days 3,849 2,214 6,063 5,052 2,517 7,569 l PT ASTRA INTERNATIONAL Tbk DAN ENTITAS ANAKAND SUBSIDIARIES CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN 31 DESEMBER 2013 DAN 2012 Dinyatakan dalam miliaran Rupiah, kecuali dinyatakan lain NOTES TO THE CONSOLIDATED FINANCIAL STATEMENTS 31 DECEMBER 2013 AND 2012 Expressed in billions of Rupiah, unless otherwise stated Halaman - 101 - Page 36. MANAJEMEN RISIKO KEUANGAN lanjutan 36. FINANCIAL RISK MANAGEMENT continued