d. 5 thn 3 d. 3 thn 1

PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 154 Tabel 2.2.a Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak - PT Bank Artha Graha Internasional Tbk Tabel 2.2.a Disclosures on Net Receivables by Remaining Maturity od Contract - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Kategori Portfolio Portfolio Category 31 Desember 2014 31 December 2014 Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Remaining Maturity Period of Contract 1 tahun 1 year 1 thn s.d. 3 thn 1 year - 3 years 3 thn

s.d. 5 thn 3

years - 5 years 5 tahun 5 years Non - kontraktual Non - Contractual Jumlah Total 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - - 7 Kredit Pegawai Pensiunan Employee Credit Retired - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portofolio Ritel Receivable to Micro, Small Bussines and Retail Portfolio - - - - - - 9 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - - 11 Aset Lainnya Other Asset - - - - - - 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if available - - - - - - Total - - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 155 Tabel 2.2.a Disclosures on Net Receivables by Remaining Maturity od Contract - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah 31 Desember 2013 31 December 2013 Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak Net Receivable Based on Remaining Maturity Period of Contract 1 tahun 1 year 1 thn

s.d. 3 thn 1

year - 3 years 3 thn s.d. 5 thn 3 years - 5 years 5 tahun 5 years Non - kontraktual Non - Contractual Jumlah Total - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - 9,053 9,053 11,523 96,140 201,770 645,716 250 955,398 87,949 141,337 11,141 185,321 - 425,748 236 2,149 313 673 - 3,371 358,034 326,055 246,448 134,400 650 1,065,588 5,935,986 3,085,647 1,908,994 1,988,701 - 12,919,329 7,536 - - - - 7,536 - - - - 33,391 33,391 - - - - - - 6,401,265 3,651,328 2,368,666 2,954,812 43,344 15,419,415 Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 156 Tabel 2.3.a. Pengungkapan Tagihan Bersih Berdasarkan Sektor Ekonomi - PT Bank Artha Graha Internasional Tbk Tabel 2.3.a. Disclosures on Net Receivables by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Sektor Ekonomi Economic Sector Tagihan Kepada Pemerintah Receivable to Government Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution Tagihan Kepada Bank Receivable to Bank Kredit Beragun Rumah Tinggal Collateralized Lean 31 Desember 2014 31 December 2014 1 Pertanian, Perburuan dan Kehutanan Agribusiness and Forestry 2 Perikanan Fishery 3 Pertambangan dan Penggalian Mining and Excavation 4 Industri Pengolahan Processing Industry 5 Listrik, Gas dan Air Electric Gas, and Water 6 Konstruksi Construction 329 7 Perdagangan Besar dan Eceran General Trading and Retail 4,575 8 Penyediaan Akomodasi dan Penyediaan Makan Minum Provider of Accomodation and Food and Beverages 9 Transportasi, Pergudangan dan Komunikasi Transportation, Warehousing and Communication 10 Perantara Keuangan Financial Intermediary 2 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan Real Estate, Rental Business and Services 14,336 12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Government Administration, Defense and Compulsory Social Securities 13 Jasa Pendidikan Education Services 14 Jasa Kesehatan dan Kegiatan Sosial Health Services and Social Activities 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan lainnya Public Service, Social Culture, Entertainment and Other Individua l 16 Jasa Perorangan yang Melayani Rumah Tangga Individual Services Serving Households 17 Badan Internasional dan Badan Ekstra Internasional lainnya International Agencies and Other International Extra Agencies 18 Kegiatan yang Belum Jelas Batasannya Undefi ned Activities 19 Bukan Lapangan Usaha Non-Business Sectors 20 Lainnya Others 1,058,103 Total 2 1,077,343 Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 157 Tabel 2.3.a. Disclosures on Net Receivables by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah Kredit Bangun Property Komersial Commercial Property Collateralized Lean Kredit Pegawai Pensiunan Employee Credit Retired Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio Tagihan Kepada Korporasi Receivable to Corpora- tion Tagihan yang Telah Jatuh Tempo Due Date Receiv- able Aset Lainnya Other Asset Exposure di Unit Usaha Syariah apabila ada Exposure in Syariah Unit Business if existed 26,820 1,196,964 1,257 395,707 - 1,275 1,932,899 3,345 - 18,723 51,690 1,929,230 - 1,232 12,798 - 164,564 40,746 1,494,702 - 39,738 273,163 3,577,155 16 - - - 371 1,947 227,109 - 126,667 259,631 3,866,320 2,871 - Administration, Defense and Compulsory Social - 2,341 1,156 - 3,415 90,490 - 20,035 107,424 - 90 228 - - Undefi ned Activities 791 - - 2,921 3,935 129,588 1,191 70 211,684 - 352,984 3,935 813,228 14,834,166 6,302 211,684 - Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 158 Tabel 2.4.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Wilayah - PT Bank Artha Graha Internasional Tbk Tabel 2.4.a. Disclosures on Net Receivables and Allowance by Region - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Keterangan Information Wilayah 1 Region 1 Wilayah 2 Region 2 Wilayah 3 Region 3 Wilayah 4 Region 4 Wilayah 5 Region 5 1 Tagihan Receivable 1,524,407 2,090,281 674,771 1,275,634 437,601 2 Tagihan yang Mengalami Penurunan Nilai Impaired Impaired Receivable A. Belum Jatuh Tempo Not Matured B. Telah Jatuh Tempo Matured 1,347 3,997 3 Cadangan Kerugian Penurunan Nilai CKPN - Individual Allowance for Impairment Losses - Individual 1,347 652 4 Cadangan Kerugian Penurunan Nilai CKPN - Kolektif Allowance for Impairment Losses - Collective 482 936 1,295 1,274 745 5 Tagihan yang Dihapus Buku Write off Receivable - - - - - No Keterangan Information Wilayah 1 Region 1 Wilayah 2 Region 2 Wilayah 3 Region 3 Wilayah 4 Region 4 Wilayah 5 Region 5 1 Tagihan Receivable 3,223,101 3,020,975 1,372,843 1,177,903 605,225 2 Tagihan yang Mengalami Penurunan Nilai Impaired Impaired Receivable 8,063 163 - 1,347 - A. Belum Jatuh Tempo Not Matured 8,063 163 - - - B. Telah Jatuh Tempo Matured - - - 1,347 - 3 Cadangan Kerugian Penurunan Nilai CKPN - Individual Allowance for Impairment Losses - Individual - - - 1,347 - 4 Cadangan Kerugian Penurunan Nilai CKPN - Kolektif Allowance for Impairment Losses - Collective 8,902 8,142 6,271 2,034 2,210 5 Tagihan yang Dihapus Buku Write off Receivable - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 159 Tabel 2.4.a. Disclosures on Net Receivables and Allowance by Region - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah 31 Desember 2014 31 December 2014 Wilayah 6 Region 6 Wilayah 7 Region 7 Dalam Negeri National Luar Negeri International Jumlah Total 391,371 739,875 - - - - - - - - - - - - - - - 6 1,691 - - - Tagihan yang Dihapus Buku Write off Receivable - - - - - 31 Desember 2013 31 December 2013 Wilayah 6 Region 6 Wilayah 7 Region 7 Dalam Negeri National Luar Negeri International Jumlah Total 340,568 5,690,656 - - 15,431,270 - 305,764 - - 315,337 - 168,785 - - 177,011 - 136,979 - - 138,326 - 28,431 - - 29,777 925 20,536 - - 49,019 Tagihan yang Dihapus Buku Write off Receivable - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 160 Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - PT Bank Artha Graha Internasional Tbk Tabel 2.5.a. Disclosure on Receivables and Allowances by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Sektor Ekonomi Economic Sector Write Off 31 Desember 2014 31 December 2014 1 Pertanian, Perburuan dan Kehutanan Agribusiness and Forestry 2 Perikanan Fishery 3 Pertambangan dan Penggalian Mining and Excavation 4 4 Industri Pengolahan Processing Industry 5 Listrik, Gas dan Air Electric Gas, and Water 6 Konstruksi Construction 7 Perdagangan Besar dan Eceran General Trading and Retail 8 Penyediaan Akomodasi dan Penyediaan Makan Minum Provider of Accomodation and Food and Beverages 9 Transportasi, Pergudangan dan Komunikasi Transportation, Warehousing and Communication 10 Perantara Keuangan Financial Intermediary 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan Real Estate, Rental Business and Services 12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Government Administration, Defense and Compulsory Social Securities 13 Jasa Pendidikan Education Service s 14 Jasa Kesehatan dan Kegiatan Sosial Health Services and Social Activities 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan lainnya Public Service, Social Culture, Entertainment and Other Individual 16 Jasa Perorangan yang Melayani Rumah Tangga Individual Services Serving Households 17 Badan Internasional dan Badan Ekstra Internasional lainnya International Agencies and Other International Extra Agencies 18 Kegiatan yang Belum Jelas Batasannya Undefi ned Activities 19 Bukan Lapangan Usaha Non-Business Sectors 20 Lainnya Others Total Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 161 Tabel 2.5.a. Disclosure on Receivables and Allowances by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah Tagihan Receivable Tagihan yang Mengalami Penurunan Nilai Impaired Receivable Cadangan Kerugian Penurunan Nilai CKPN - Individual Allowance for Impairment Losses - Individual Cadangan Kerugian Penurunan Nilai CKPN - Kolektif Allowance for Impairment Losses - Collective Tagihan yang dihapus buku Write Off receivable Belum Jatuh Tempo Not Matured Telah Jatuh Tempo Matured 1,224,114 - 1,347 1,347 329 - 396,964 - - - - - 1,934,174 - 3,997 652 - - 1,930,932 56,986 30,000 17,061 1,213 - 14,030 - - - - - 1,624,711 99,753 - 23,942 180 - 3,851,775 53,324 - - 10,452 - - - - - - - - - 229,520 - - - 91 - 4,209,442 - 65,698 3,446 1,869 - Sosial Wajib Government Administration, Defense and Compulsory Social Securities - - - - 3,498 - - - - - 93,904 - - - - - 127,469 - - - 9 - 317 - - - - - - - - - Undefi ned Activities 791 - - - - - - - - - 1,409,028 - - - 1,535 - 17,050,668 210,063 101,042 46,449 15,679 - Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 162 Tabel 2.5.a. Pengungkapan Tagihan dan Pencadangan Berdasarkan Sektor Ekonomi - PT Bank Artha Graha Internasional Tbk Tabel 2.5.a. Disclosure on Receivables and Allowances by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Sektor Ekonomi Economic Sector Write Off 31 Desember 2013 31 December 2013 1 Pertanian, Perburuan dan Kehutanan Agribusiness and Forestry 2 Perikanan Fishery 3 Pertambangan dan Penggalian Mining and Excavation 4 Industri Pengolahan Processing Industry 5 Listrik, Gas dan Air Electric Gas, and Water 6 Konstruksi Construction 7 Perdagangan Besar dan Eceran General Trading and Retail 8 Penyediaan Akomodasi dan Penyediaan Makan Minum Provider of Accomodation and Food and Beverages 9 Transportasi, Pergudangan dan Komunikasi Transportation, Warehousing and Communication 10 Perantara Keuangan Financial Intermediary 11 Real Estate, Usaha Persewaan dan Jasa Perusahaan Real Estate, Rental Business and Services 12 Administrasi Pemerintahan, Pertahanan dan Jaminan Sosial Wajib Government Administration, Defense and Compulsory Social Securities 13 Jasa Pendidikan Education Services 14 Jasa Kesehatan dan Kegiatan Sosial Health Services and Social Activities 15 Jasa Kemasyarakatan, Sosial Budaya, Hiburan dan Perorangan lainnya Public Service, Social Culture, Entertainment and Other Individual 16 Jasa Perorangan yang Melayani Rumah Tangga Individual Services Serving Households 17 Badan Internasional dan Badan Ekstra Internasional lainnya International Agencies and Other International Extra Agencies 18 Kegiatan yang Belum Jelas Batasannya Undefi ned Activities 19 Bukan Lapangan Usaha Non-Business Sectors 20 Lainnya Others Total Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 163 Tabel 2.5.a. Disclosure on Receivables and Allowances by Economic Sector - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah Tagihan Receivable Tagihan yang Mengalami Penurunan Nilai Impaired Receivable Cadangan Kerugian Penurunan Nilai CKPN - Individual Allowance for Impairment Losses - Individual Cadangan Kerugian Penurunan Nilai CKPN - Kolektif Allow- ance for Impairment Losses - Collective Tagihan yang dihapus buku Write Off receivable Belum Jatuh Tempo Not Matured Telah Jatuh Tempo Matured 931,537 - 1,347 1,347 3,935 - 417,800 - - - 2,188 - 1,246,327 - - - 4,118 - 2,185,858 56,992 30,000 13,638 5,529 - 62,968 - - - 242 - 1,451,200 - - - 3,537 - 1,574,200 - 41,281 10,401 3,696 - 843,105 - - - 2,309 - 1,478,647 - - - 9,245 - 681,450 8,063 - - 869 - 3,204,947 111,794 65,698 4,392 10,251 - Government Administration, Defense and Compulsory Social Securities - - - - - - 5,643 - - - 23 - 87,854 163 - - 361 - 172,140 - - - 481 - 420 - - - - - - - - - - - Undefi ned Activities 500 - - - - - 1,085,662 - - - 2,233 - 1,015 - - - 2 - 15,431,270 177,011 138,326 29,777 49,019 Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 164 Tabel 2.6.a. Pengungkapan Rincian Mutasi Cadangan Kerugian Penurunan Nilai - PT Bank Artha Graha Internasional Tbk Tabel 2.6.a. Details on Movements of Allowance for Impairment Losses - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Keterangan Information 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 Bank Bank Konsolidasi Consolidated Bank Bank Konsolidasi Consolidated 1 Saldo awal CKPN Beginning Balance of Allowance for Impairment Losses 78.796 78.796 10.201 10.201 2 Pembentukan pemulihan CKPN pada Periode Berjalan Net Formation recovery of CKPN during year NET 53.033 53.033 63.137 63.137 2.a Pembentukan CKPN pada periode berjalan Formation of CKPN during year 62.916 62.916 63.137 63.137 2.b Pemulihan CKPN pada periode berjalan Recovery of CKPN during year 9.883 9.883 - - 3 CKPN yang digunakan untuk melakukan hapus buku atas tagihan pada peride berjalan CKPN that is used to write off receivable during year 320 320 124 124 4 Pembentukan pemulihan lainnya pada periode berjalan Other formation recovery during yea r 518 518 5.582 5.582 Saldo akhir CKPN 132.027 132.027 78.796 78.796 Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 165 Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - PT Bank Artha Graha Internasional Tbk Tabel 3.1.a. Disclosure of Net Receivables by Portofolio Category and Rating Scale - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Kategori Portofolio Portfolio Category Lembaga Pemeringkat Rating Agencies Tagihan Bersih Net Receivables Tanpa Peringkat Total Peringkat Jangka Panjang Longterm Rating Peringkat Jangka Pendek Shorterm Rating Standard and Poor’s AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB BB+ s.d BB- B+ s.d B- Kurang dari B- A-1 A-2 A-3 Kurang dari A-3 Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB- B+ s.d B- Kurang dari B- F1+ s.d F1 F2 F3 Kurang dari F3 Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3 B1 s.d B3 Kurang dari B3 P-1 P-2 P-3 Kurang dari P-3 PT Fitch Ratings Indonesia AAA idn AA+idn s.d AA- idn A+idn s.d. A-idn BBB+idn s.d BBB- idn BB+idn s.d BB- idn B+idn s.d B-idn Kurang dari B-idn F1+idn s.d F1idn F2idn F3idn Kurang dari F3idn PT ICRA Indonesia Idr AAA [Idr]AA+ s.d [Idr] AA- [Idr] A+ s.d [Idr]A- [Idr]BBB+ s.d [Idr] BBB- [Idr]BB+ s.d [Idr] BB- [Idr] B+ s.d [Idr]B- Kurang dari [Idr]B- [Idr]A1+ s.d [Idr] A1 [Idr] A2+ s.d [Idr] A2 [Idr] A3+ s.d [Idr] A3 Kurang dari [Idr] A3 PT Pemeringkat Efek Indonesia idAAA idAA+ s.d idAA idA+ s.d id A- id BBB+ s.d id BBB- id BB+ s.d id BB- id B+ s.d id B Kurang dari idB- idA1 idA2 idA3 s.d id A4 Kurang dari idA4 31 Desember 2014 31 December 2014 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - - - - - - - -0 -0 4 Tagihan Kepada Bank Receivable to Bank - - - - - - - - - - - - 2 2 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - - - - - - - - - - - 1,077,343 1,077,343 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - - - - - - - - 352,984 352,984 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - - - - - - - - - - 3,935 3,935 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - - - - - - - 813,228 813,228 9 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - - - - - - - 14,834,166 14,834,166 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - - - - - - - - 6,302 6,302 11 Aset Lainnya Other Asset - - - - - - - - - - - - 211,684 211,684 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - - - - - - - Jumlah Total 17,299,645 17,299,645 PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 166 Tabel 3.1.a. Pengungkapan Tagihan Bersih Berdasarkan Kategori Portofolio dan Skala Peringkat - PT Bank Artha Graha Internasional Tbk Tabel 3.1.a. Disclosure of Net Receivables by Portofolio Category and Rating Scale - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Kategori Portofolio Portfolio Category Lembaga Pemeringkat Rating Agencies Tagihan Bersih Net Receivables Peringkat Jangka Panjang Longterm Rating Standard and Poor’s AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB BB+ s.d BB- B+ s.d B- Kurang dari B- Fitch Rating AAA AA+ s.d AA- A+ s.d A- BBB+ s.d BBB- BB+ s.d BB- B+ s.d B- Kurang dari B- Moody’s Aaa Aa1 s.d Aa3 A1 s.d A3 Baa1 s.d Baa3 Ba1 s.d Ba3 B1 s.d B3 Kurang dari B3 PT Fitch Ratings Indonesia AAA idn AA+idn s.d AA- idn A+idn s.d. A-idn BBB+idn s.d BBB- idn BB+idn s.d BB- idn B+idn s.d B-idn Kurang dari B-idn PT ICRA Indonesia Idr AAA [Idr]AA+ s.d [Idr] AA- [Idr] A+ s.d [Idr]A- [Idr]BBB+ s.d [Idr] BBB- [Idr]BB+ s.d [Idr] BB- [Idr] B+ s.d [Idr]B- Kurang dari [Idr]B- PT Pemeringkat Efek Indonesia idAAA idAA+ s.d idAA idA+ s.d id A- id BBB+ s.d id BBB- id BB+ s.d id BB- id B+ s.d id B Kurang dari idB- 31 Desember 2013 31 December 2013 1 Tagihan Kepada Pemerintah Receivable to Governmen t - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - - - - 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - - - 9 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - - - 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - - - - 11 Aset Lainnya Other Asset - - - - - - - - 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - - - Jumlah Total Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 167 Tabel 3.1.a. Disclosure of Net Receivables by Portofolio Category and Rating Scale - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah Tanpa Peringkat Total Peringkat Jangka Pendek Shorterm Rating A-1 A-2 A-3 Kurang dari A-3 F1+ s.d F1 F2 F3 Kurang dari F3 P-1 P-2 P-3 Kurang dari P-3 F1+idn s.d F1idn F2idn F3idn Kurang dari F3idn [Idr]A1+ s.d [Idr] A1 [Idr]A2+ s.d [Idr] A2 [Idr]A3+ s.d [Idr] A3 Kurang dari [Idr] A3 idA1 idA2 idA3 s.d id A4 Kurang dari idA4 - - - - - - - - Receivable to Multilateral Development - - - - - - - - 9,053 9,053 - - - - 955,398 955,398 - - - - 425,748 425,748 - - - - 3,371 3,371 - - - - 1,065,588 1,065,588 - - - - 12,919,329 12,919,329 - - - - 7,536 7,536 - - - - 33,391 33,391 - - - - 15,419,415 15,419,415 Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 168 Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - PT Bank Artha Graha Internasional Tbk Tabel 4.1.a Disclosure of Net Receivables on Risk Weighting after Mitigation of Credit Risk Eff ect - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah No Kategori Portofolio Portfolio Category 31 Desember 2014 31 December 2014 Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receiveable After Calcullating Credit Risk Mitigaton Impact 20 35 40 45 50 75 100 150 Lainnya Others A EKSPOSUR NERACA BALANCE SHEET EXPOSURE 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - - - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - 732,645 - - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - - - - - 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - - - - 9 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - - - - 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - - - - - 11 Aset Lainnya Other Asset - - - - - - - - - 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - - - - Total Eksposur Neraca Total Balance Sheet Exposure - - 732,645 - - - - - - - B EKSPOSUR KEWAJIBAN KOMITMEN KONTINJENSI PD TRANSAKSI REKENING ADMINISTRATIF EXPOSURE OF LIABILITIES CONTINGEN ON ADMINISTRATIVE ACCOUNT TRANSACTION 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - 391 - - - - - - - 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - - - - - 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - - - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - - - - 9 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - - - - 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - - - - - 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - - - - Total Eksposur TRA Total TRA Exposure - - 391 - - - - - - - C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN COUNTERPARTY CREDIT RISK 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - - - - 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - - - - 6 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - - - - 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - - - - Total Eksposur Counterparty Credit Risk - - - - - - - - - - 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 169 Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tabel 4.1.a Pengungkapan Tagihan Bersih Berdasarkan Bobot Risiko Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit - Tabel 4.1.a Disclosure of Net Receivables on Risk Weighting after Mitigation of Credit Risk Eff ect - Dalam jutaan Rupiah In million Rupiah ATMR RWA Beban Modal Capital Charge 31 Desember 2013 31 December 2013 ATMR RWA Beban Modal Capital Charge Tagihan Bersih Setelah Memperhitungkan Dampak Mitigasi Risiko Kredit Net Receiveable After Calcullating Credit Risk Mitigaton Impact 20 35 40 45 50 75 100 150 Lainnya Others - - - - - - - - - - - - - - - - - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - 9,053 - - - - 4,527 - - - - - 527,359 370,572 56,041 - - - - - 358,023 - - - - - - - - - - 425,748 - - 425,748 - - - - - - - - 3,371 - - - - 1,686 - - - - - - - - - 1,032,982 - - - 774,736 - - - - - - - - - - 12,110,617 - - 12,110,617 - - - - - - - - - - 1,304 6,233 - 10,653 - - - - - - - - - - - 33,391 - 50,087 - - - - - - - - - - - - - - - - - - - 527,359 370,572 56,041 12,425 1,032,982 12,537,669 39,624 - 13,736,076 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1,276 2,232 - - - - - - 1,340 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 68,018 - - - 51,014 - - - - - - - - - - 93,848 - - 93,848 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 1,276 2,232 - - 68,018 93,848 - - 146,201 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 170 Tabel 4.2.a. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Individual - PT Bank Artha Graha Internasional Tbk Tabel 4.2.a. Disclosure of Net Receivables on Credit Risk Mitigation Technique - Bank Individual - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah No Kategori Portofolio Portfolio Category Posisi Tanggal Laporan Tagihan Bersih Bagian Yang Dijamin Dengan Bagian Yang Tidak Dijamin Agunan Garansi Asuransi Kredit Lainnya A EKSPOSUR NERACA BALANCE SHEET EXPOSURE 1 Tagihan Kepada Pemerintah Receivable to Government - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - 4 Tagihan Kepada Bank Receivable to Bank 2 - - - 2 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan 1,077,343 968 - - - 1,076,375 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan 352,984 - - - 352,984 7 Kredit PegawaiPensiunan Loan to EmployeeRetired 3,935 - - - 3,935 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio 813,228 22,681 - - - 790,548 9 Tagihan Kepada Korporasi Receivable to Corporation 14,834,166 842,556 - - - 13,991,610 10 Tagihan yang Telah Jatuh Tempo Mature Receivable 6,302 - - - 6,302 11 Aset Lainnya Other Asset 211,684 - - - 211,684 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - Total Eksposur Neraca Total Balance Sheet Exposure 17,299,645 866,204 16,433,440 B EKSPOSUR REKENING ADMINSITRATIF 1 Tagihan Kepada Pemerintah Receivable to Government - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan 698 - 391 - - 698 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - - - 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - 9 Tagihan Kepada Korporasi Receivable to Corporation 24,299 - - - - 24,299 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - - - 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - Total Eksposur TRA Total TRA Exposure 24,997 24,997 C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN COUNTERPARTY CREDIT RISK 1 Tagihan Kepada Pemerintah Receivable to Government - - - - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - - - - 4 Tagihan Kepada Bank Receivable to Bank - - - - - - 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - - - - 6 Tagihan Kepada Korporasi Receivable to Corporation - - - - - - 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - - - - Total Eksposur Counterparty Credit Risk 17,324,642 866,204 16,458,438 Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 171 Tabel 4.2.a. Disclosure of Net Receivables on Credit Risk Mitigation Technique - Bank Individual - Dalam jutaan Rupiah In million Rupiah Posisi Tanggal Laporan Tagihan Bersih Bagian Yang Dijamin Dengan Bagian Yang Tidak Dijamin Agunan Garansi Asuransi Kredit Lainnya - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Receivable to Multilateral Development Bank and - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 172 Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tabel 4.2.b. Pengungkapan Tagihan Bersih dan Teknik Mitigasi Risiko Kredit - Bank secara Konsolidasi - PT Bank Artha Graha Internasional Tbk Tabel 4.2.b. Disclosure of Net Receivables on Credit Risk Mitigation Technique - Bank Consolidated - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah No Kategori Portofolio Portfolio Category Posisi Tanggal Laporan Tagihan Bersih Bagian Yang Dijamin Dengan Bagian Yang Tidak Dijamin Agunan Garansi Asuransi Kredit Lainnya A EKSPOSUR NERACA BALANCE SHEET EXPOSURE NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 1 Tagihan Kepada Pemerintah Receivable to Government NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 4 Tagihan Kepada Bank Receivable to Bank NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 7 Kredit PegawaiPensiunan Loan to EmployeeRetired NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 9 Tagihan Kepada Korporasi Receivable to Corporation NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 10 Tagihan yang Telah Jatuh Tempo Mature Receivable NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 11 Aset Lainnya Other Asset NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 12 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Total Eksposur Neraca Total Balance Sheet Exposure NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL B EKSPOSUR REKENING ADMINSITRATIF NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 1 Tagihan Kepada Pemerintah Receivable to Government NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 4 Tagihan Kepada Bank Receivable to Bank NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 7 Kredit PegawaiPensiunan Loan to EmployeeRetired NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 9 Tagihan Kepada Korporasi Receivable to Corporation NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 10 Tagihan yang Telah Jatuh Tempo Mature Receivable NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Total Eksposur TRA Total TRA Exposure NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL C EKSPOSUR AKIBAT KEGAGALAN PIHAK LAWAN COUNTERPARTY CREDIT RISK NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 1 Tagihan Kepada Pemerintah Receivable to Government NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 4 Tagihan Kepada Bank Receivable to Bank NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 5 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 6 Tagihan Kepada Korporasi Receivable to Corporation NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 7 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Total Eksposur Counterparty Credit Risk NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 173 Analisis dan Pembahasan Manajemen Management Discussion and Analysis Tabel 4.2.b. Disclosure of Net Receivables on Credit Risk Mitigation Technique - Bank Consolidated - Dalam jutaan Rupiah In million Rupiah Posisi Tanggal Laporan Tagihan Bersih Bagian Yang Dijamin Dengan Bagian Yang Tidak Dijamin Agunan Garansi Asuransi Kredit Lainnya NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Receivable to Multilateral Development Bank and NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Receivable to Multilateral Development Bank and NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL Receivable to Multilateral Development Bank and NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL NIHIL PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 174 PERHITUNGAN ATMR RISIKO KREDIT PENDEKATAN STANDAR - PT BANK ARTHA GRAHA INTERNASIONAL TBK CREDIT RISK RWA CALCULATION USING STANDARDIZED APPROACH - PT BANK ARTHA GRAHA INTERNASIONAL TBK Tabel 6.1.1. Pengungkapan Eksposur Aset di Neraca Table 6.1.1. Asset Exposure in Balance Sheet Dalam jutaan Rupiah In million Rupiah No. Kategori Portfolio Portfolio Category 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 Tagihan Bersih Net Receivable ATMR Sebelum MRK ATMR Before MRK ATMR Setelah MRK ATMR After MRK Tagihan Bersih Net Receivable ATMR Sebelum MRK ATMR Before MRK ATMR Setelah MRK ATMR After MRK 1 Tagihan Kepada Pemerintah Receivable to Government - - - 2,464,389 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - 4 Tagihan Kepada Bank Receivable to Bank - - - 367,875 103,675 101,565 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan - - - 955,148 358,476 357,928 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - 425,748 425,748 425,748 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - 3,371 1,686 1,686 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio - - - 1,064,938 798,703 774,249 9 Tagihan Kepada Korporasi Receivable to Corporation - - - 12,919,329 12,919,329 12,110,617 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - 7,536 10,652 10,652 11 Eksposur di Unit Usaha Syariah apabila ada Exposure in Syariah Business Unit if Available - - - 1,312,461 - 1,014,156 Total Eksposur TRA Total TRA Exposure - - - 19,520,795 14,618,269 14,796,601 Tabel 6.1.2. Pengungkapan Eksposur Kewajiban Komitmen Kontinjensi pada Transaksi Rekening Administratif Table 6.1.2. Exposure of Liabilities Commitment Contingency on Administrative Account Dalam jutaan Rupiah In million Rupiah No. Kategori Portfolio Portfolio Category 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 Tagihan Bersih Net Receivable ATMR Sebelum MRK ATMR Before MRK ATMR Setelah MRK ATMR After MRK Tagihan Bersih Net Receivable ATMR Sebelum MRK ATMR Before MRK ATMR Setelah MRK ATMR After MRK 1 Tagihan Kepada Pemerintah Receivable to Government - - - 2 Tagihan Kepada Entitas Sektor Publik Receivable to Public Sector Entity 173 86 83 - - - 3 Tagihan Kepada Bank Pembangunan Multilateral dan Lembaga Internasional Receivable to Multilateral Development Bank and International Institution - - - 4 Tagihan Kepada Bank Receivable to Bank - - - 5 Kredit Beragun Rumah Tinggal Residential Collateralized Loan 698 260 260 250 95 95 6 Kredit Beragun Properti Komersial Commercial Property Collateralized Loan - - - 7 Kredit PegawaiPensiunan Loan to EmployeeRetired - - - 8 Tagihan Kepada Usaha Mikro, Usaha Kecil dan Portfolio Ritel Receivable to Micro, Small Business and Retail Portfolio 45,542 34,157 34,157 49,897 37,423 37,423 9 Tagihan Kepada Korporasi Receivable to Corporation 77,015 77,015 77,015 29,752 29,752 29,752 10 Tagihan yang Telah Jatuh Tempo Mature Receivable - - - Total Eksposur TRA Total TRA Exposure 123,428 111,518 111,515 79,899 67,270 -67,270 Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 175 Tabel 6.1.7 Pengungkapan Total Pengukuran Risiko Kredit Tabel 6.1.7 Total Credit Risk Measurement Disclosure Dalam jutaan Rupiah In million Rupiah 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 TOTAL ATMR RISIKO KREDIT TOTAL CREDIT RISK OF RISK WEIGHTED ASSET 16.989.690 14,863,871 TOTAL FAKTOR PENGURANG MODAL TOTAL CAPITAL DEDUCTION FACTOR 319.373.000 363,437.00 Tabel 6.2.7. Pengungkapan Total Pengukuran Risiko Kredit Tabel 6.2.7. Total Credit Risk Measurement Disclosure Dalam jutaan Rupiah In million Rupiah 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 TOTAL ATMR RISIKO KREDIT TOTAL CREDIT RISK OF RISK WEIGHTED ASSET 16,989,690 14,796,601.00 TOTAL FAKTOR PENGURANG MODAL TOTAL CAPITAL DEDUCTION FACTOR 319,305 363,369.00 Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 176 Tabel 7.1. Pengungkapan Risiko Pasar Dengan Menggunakan Metode Standar Tabel 7.1. Market Risk Disclosure Using Standardized Approach Dalam jutaan Rupiah In million Rupiah No. Jenis Risiko Types of Risk 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 Bank Bank Konsolidasi Consolidation Bank Bank Konsolidasi Consolidation Beban Modal Capital Expense ATMR Risk Weighted Assets Beban Modal Capital Expense ATMR Risk Weighted Assets Beban Modal Capital Expense ATMR Risk Weighted Assets Beban Modal Capital Expense ATMR Risk Weighted Assets 1 Risiko Suku Bunga Interest Rate Risk - - - - - - - - a. Risiko Spesifi k Specifi c Risk - - 3,647 45,593 - - b. Risiko Umum General Risk 10,835 135,443 - - 9,437 117,958 - - 2 Risiko Nilai Tukar Foreign Exchange Risk 2,230 27,880 - - 3,011 37,642 - - 3 Risiko Ekuitas Equity Risk - - - - 4 Risiko Komoditas Commodity Risk - - - - 5 Risiko Option Option Risk - - - - Total 13,066 163,323 - - 16,095 201,194 - - Untuk Bank yang memiliki perusahaan anak yang memiliki eksposur risiko dimaksud For Bank with Subsidiaries with referred risk Tabel 7.2.a Pengungkapan Risiko Pasar Dengan Menggunakan Model Internal Vale at RiskVaR - PT Bank Artha Graha Internasional Tbk Tabel 7.2.a Market Risk Disclosure Using Internal Models Vale at RiskVaR - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No. Jenis Risiko Types of Risk 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 VaR Rata- Rata Average VaR VaR Maksimum Maximum VaR VaR Minimum Minimum VaR Var Akhir Periode End Period VaR VaR Rata- Rata Average VaR VaR Maksimum Maximum VaR VaR Minimum Minimum VaR Var Akhir Periode End Period VaR 1 Risiko Suku Bunga Interest Rate Risk - - - - - - - - 2 Risiko Nilai Tukar Foreign Exchange Risk - - - - - - - - 3 Risiko Option Option Risk - - - - - - - - Total - - - - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis 2014 ANNUAL REPORT | PT BANK ARTHA GRAHA INTERNASIONAL Tbk 177 Tabel 8.1.a Pengungkapan Kuantitatif Risiko Operasional - PT Bank Artha Graha Internasional Tbk Tabel 8.1.a Quantitative Disclosure on Operational Risk - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No. Pendekatan yang Digunakan 31 Desember 2014 31 December 2014 31 Desember 2013 31 December 2013 Pendapatan Bruto Rata-rata 3 tahun terakhir Gross Income Average of the Last 3 Years Beban Modal Capital Expenses ATMR Risk Weighted Assets Pendapatan Bruto Rata-rata 3 tahun terakhir Gross Income Average of the Last 3 Years Beban Modal Capital Expenses ATMR Risk Weighted Assets 1 Pendekatan Indikator Dasar Basic Indicator Approach 1,017,167 152,575 1,907,188 880,734 132,110 1,365,109 Total - - - - - - Analisis dan Pembahasan Manajemen Management Discussion and Analysis PT BANK ARTHA GRAHA INTERNASIONAL Tbk | LAPORAN TAHUNAN 2014 178 Tabel 9.1.a. Pengungkapan Profi l Maturitas Rupiah - PT Bank Artha Graha Internasional Tbk Tabel 9.1.a. Disclosure of Rupiah Currency Maturity Profi le - PT Bank Artha Graha Internasional Tbk Dalam jutaan Rupiah In million Rupiah No Kategori Portfolio Portfolio Category 31 Desember 2014 31 December 2014 Saldo Balance Jatuh Tempo Due Date ≤ 1 bulan ≤ 1 month 1 bulan

s.d 3 bulan 1