1 2 3 4
567 83 2
3 9
28 : 2
; 2
= ? 14
CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010
Dalam jutaan Rupiah, kecuali dinyatakan lain
NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010
Expressed in million Rupiah, unless otherwise stated
Lampiran – 555 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan
10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas
kredit lanjutan a. By type, currency, and loan quality
continued Kualitas pinjaman yang diberikan berdasarkan
kolektibilitas sesuai ketentuan Bank Indonesia. lanjutan
Loans quality based on collectibility according to Bank Indonesia regulation. continued
2011 Dalam
perhatian Kurang
khusus lancar
Lancar Special
Sub- Diragukan
Macet Jumlah
Current mention
Standard Doubtful
Loss Total
Pihak berelasi Related parties
Rupiah Rupiah
Kredit konsumsi 67,440
- -
- -
67,440 Consumer loans
Kredit modal kerja 32,691
5,876 -
- -
38,567 Working capital loans Kredit investasi
695 -
- -
- 695
Investment loans Sub jumlah
100,826 5,876
- -
- 106,702
Sub total
Pihak ketiga Third parties
Rupiah Rupiah
Kredit konsumsi 2,549,226
37,711 3,900
4,895 23,364
2,619,096 Consumer loans
Kredit modal kerja 449,027
12,264 437
3,608 10,233
475,569 Working capital loans Kredit investasi
49,903 12,003
935 395
7,373 70,609
Investment loans Sub jumlah
3,048,156 61,978
5,272 8,898
40,970 3,165,274
Sub total
Dolar Amerika Serikat United States Dollar
Kredit modal kerja 66,358
- -
- -
66,358 Working capital loans Kredit investasi
3,442 -
- -
- 3,442
Investment loans Sub jumlah
69,800 -
- -
- 69,800
Sub total 3,218,782
67,854 5,272
8,898 40,970
3,341,776 Dikurangi : Cadangan
kerugian penurunan Less : Allowance for
nilai 6,869
3,855 1,021
1,844 16,266
29,855 impairment losses
Jumlah 3,211,913
63,999 4,251
7,054 24,704
3,311,921 Total
A B C
D E FGH
ID C D
J CI
K C L
C M
N O P A
BE
CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010
Dalam jutaan Rupiah, kecuali dinyatakan lain
NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010
Expressed in million Rupiah, unless otherwise stated
Lampiran – 556 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan
10. LOANS continued a. Berdasarkan jenis, mata uang, dan kualitas
kredit lanjutan a. By type, currency, and loan quality
continued Kualitas pinjaman yang diberikan berdasarkan
kolektibilitas sesuai ketentuan Bank Indonesia. lanjutan
Loans quality based on collectibility according to Bank Indonesia regulation. continued
2010 Dalam
Perhatian Kurang
Khusus lancar
Lancar Special
Sub- Diragukan
Macet Jumlah
Current mention
Standard Doubtful
Loss Total
Pihak berelasi Related parties
Rupiah Rupiah
Kredit konsumsi 78,689
- -
- -
78,689 Consumer loans
Kredit modal kerja 33,937
- -
- -
33,937 Working capital loans Kredit investasi
1,204 -
- -
- 1,204
Investment loans Sub jumlah
113,830 -
- -
- 113,830
Sub total
Dolar Amerika Serikat United States Dollar
Kredit modal kerja 205,081
- -
- -
205,081 Working capital loans Sub jumlah
205,081 -
- -
- 205,081
Sub total
Pihak ketiga Third parties
Rupiah Rupiah
Kredit konsumsi 1,837,926
30,628 6,373
8,789 14,610
1,898,326 Consumer loans
Kredit modal kerja 256,999
8,160 1,217
684 6,597
273,657 Working capital loans Kredit investasi
33,580 1,029
3,199 115
3,573 41,496
Investment loans Pinjaman
rekening koran 14,328
5,961 -
- 274
20,563 Current account
Lainnya 2,469
- -
- -
2,469 Others
Sub jumlah 2,145,302
45,778 10,789
9,588 25,054
2,236,511 Sub total
Dolar Amerika Serikat United States Dollar
Kredit modal kerja 360
- -
- -
360 Working capital loans Sub jumlah
360 -
- -
- 360
Sub total 2,464,573
45,778 10,789
9,588 25,054
2,555,782 Dikurangi : Cadangan
kerugian penurunan Less : Allowance for
nilai 22,915
1,696 1,504
4,595 17,657
48,367 impairment losses
Jumlah 2,441,658
44,082 9,285
4,993 7,397
2,507,415 Total
Rasio kredit bermasalah “NPL” dihitung sesuai dengan pedoman perhitungan rasio keuangan
sebagaimana tercantum dalam Surat Edaran Bank Indonesia No.330DPNP tanggal 14
Desember 2001 sebagaimana telah diubah dengan Surat Edaran Bank Indonesia No.
710DPNP tanggal 31 Maret 2005 yang kemudian diubah melalui Surat Edaran Bank
Indonesia No.1211DPNP tanggal 31 Maret 2010. Pada tanggal 31 Desember 2012, NPL
bruto dan neto Bank masing-masing adalah sebesar 1.99 dan 1.31 2011: 1,65 dan
1,08 dan 2010: 1,76 dan 0,86 dan masih lebih rendah dari NPL bruto maksimum 5,00
yang diisyaratkan oleh Bank Indonesia. Non performing loans “NPL” is determined
based on financial ratio calculation guidance as stated in Circular Letter of Bank Indonesia No.
330DPNP dated 14 December 2001 as amended with the Circular Letter of Bank
Indonesia No. 710DPNP dated 31 March 2005 then subsequently amended by Circular Letter of
Bank Indonesia No.1211DPNP dated 31 March 2010. As at 31 December 2012, the percentage
of the Bank’s gross and net NPL is 1.99 and 1.31 2011: 1.65 and 1.08 and 2010: 1.76
and 0.86, respectively, which is lower than maximum gross NPL of 5.00 as required by
Bank Indonesia.
QR S T
U V WXY
QZU T U
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R SV
CATATAN ATAS LAPORAN KEUANGAN 31 DESEMBER 2012, 2011 DAN 2010
Dalam jutaan Rupiah, kecuali dinyatakan lain
NOTES TO THE FINANCIAL STATEMENTS 31 DECEMBER 2012, 2011 AND 2010
Expressed in million Rupiah, unless otherwise stated
Lampiran – 557 – Schedule 10. PINJAMAN YANG DIBERIKAN lanjutan
10. LOANS continued b. Berdasarkan sektor ekonomi
b. By economic sector
Pinjaman yang djiberikan berdasarkan sektor ekonomi dan pinjaman yang mengalami
penurunan nilai dan tidak mengalami penurunan nilai.
Loans based on economic sector and impaired and non-impaired loans.
2012 Tidak
Mengalami mengalami
penurunan penurunan
nilai dan nilai dan
penilaian penilaian
secara secara
kolektif dan kolektif
individual Non-impaired
Impaired and and
collectively and collectively
individually Jumlah
assessed assessed
Total
Rupiah Rupiah
Konsumsi 3,734,680
54,962 3,789,642
Consumer Jasa dunia usaha
730,177 4,255
734,432 Business services
Jasa pelayanan sosial 319,809
12,124 331,933
Social services Industri pengolahan
157,239 8,476
165,715 Processing industry
Pertanian, perburuan Agriculture, hunting and
dan sarana pertanian 61,916
3,953 65,869
agriculture improvements Perdagangan, restoran dan hotel
58,908 23,141
82,049 Trading, restaurant and hotel
Pengangkutan, pergudangan Transportation, warehouse
dan komunikasi 6,352
450 6,802
and communication Konstruksi
5,839 1,647
7,486 Construction
Pertambangan 2,788
- 2,788
Mining Sub jumlah
5,077,708 109,008
5,186,716 Sub total
Dolar Amerika Serikat United States Dollar
Industri pengolahan 28,019
- 28,019
Processing industry Konstruksi
27,308 -
27,308 Construction
Perdagangan, restoran dan hotel 13,828
246 14,074
Trading, restaurant and hotel Pertambangan
4,244 -
4,244 Mining
Pengangkutan, pergudangan Transportation, warehouse
dan komunikasi 483
- 483
and communication Sub jumlah
73,882 246
74,128 Sub total
5,151,590 109,254
5,260,844 Dikurangi: Cadangan
Less: Allowance for kerugian penurunan nilai
impairment losses Kredit konsumsi
8,501 16,830
25,331 Consumer loans
Modal kerja 9,942
9,819 19,761
Working capital loans Investasi
2,970 8,805
11,775 Investment loans
Sub jumlah 21,413
35,454 56,867
Sub total
Jumlah 5,130,177
73,800 5,203,977
Total