ASET DAN Bank Tabungan Negara 2015

Indonesian language. PT BANK TABUNGAN NEGARA PERSERO TBK CATATAN ATAS LAPORAN KEUANGAN Tanggal 31 Desember 2015 dan untuk Tahun yang Berakhir pada Tanggal Tersebut Disajikan dalam jutaan Rupiah, kecuali dinyatakan lain PT BANK TABUNGAN NEGARA PERSERO TBK NOTES TO THE FINANCIAL STATEMENTS As of December 31, 2015 and for the Year Then Ended Expressed in millions of Rupiah, unless otherwise stated 186 43. MANAJEMEN RISIKO lanjutan 43. RISK MANAGEMENT continued Risiko Kredit lanjutan Credit Risk continued ii Konsentrasi risiko aset keuangan dengan eksposur risiko kredit lanjutan ii Concentration of risks of financial assets with credit risk exposure continued a Sektor geografis lanjutan a Geographical sectors continued 31 DesemberDecember 31, 2014 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Kredit yang diberikan dan piutangpembiayaan Loans and sharia financing syariah receivables Konsumer Consumer Pemilikan rumah - 34.041.535 21.083.194 12.156.124 13.312.301 80.593.154 Housing loan Non-kepemilikan rumah - 2.843.182 3.390.827 1.382.952 2.317.350 9.934.311 Non-housing loan Modal kerja - 9.771.313 4.862.873 2.764.057 3.090.061 20.488.304 Working capital Investasi - 1.826.454 1.279.995 405.170 795.043 4.306.662 Investment Sindikasi - 76.978 - - - 76.978 Syndicated Pihak ketiga - 248.051 134.964 65.964 60.866 509.845 Third party Pihak berelasi 4.236 1.526 785 - 6.547 Related party Bunga yang masih akan diterima 95.008 450.108 279.372 163.464 195.537 1.183.489 Interest receivable Aset lain-lain 540.829 3.935 15.947 2.092 2.902 565.705 Other assets Total kotor 26.279.943 49.265.864 31.051.565 16.940.863 19.774.125 143.312.360 Total gross Cadangan kerugian Allowances for penurunan nilai 1.581.156 impairment losses Neto 141.731.204 Net Terdiri dari tagihan kepada pihak ketiga Consists of third party receivables Lain-lain terdiri dari Kalimantan, Sulawesi, Bali, Maluku dan Papua. Others consists of Kalimantan, Sulawesi, Bali, Maluku and Papua. Eksposur risiko kredit atas rekening administratif pada tanggal-tanggal 31 Desember 2015 dan 2014 adalah sebagai berikut: Credit risk exposure related to administrative accounts as of December 31, 2015 and 2014 are as follows: 31 DesemberDecember 31, 2015 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Fasilitas kredit yang belum ditarik - 599.547 629.544 216.797 117.805 1.563.693 Unused loan facilities Garansi yang diterbitkan - 1.149.330 218.680 32.070 59.988 1.460.068 Guarantees issued Total - 1.748.877 848.224 248.867 177.793 3.023.761 Total 31 DesemberDecember 31, 2014 Jawa selain Jabodetabek Kantor Pusat Java other than Lain-lain Head Office Jabodetabek Jabodetabek Sumatera Others Total Fasilitas kredit yang belum ditarik - 951.199 496.952 177.714 118.030 1.743.895 Unused loan facilities Garansi yang diterbitkan - 1.158.851 69.134 17.387 109.480 1.354.852 Guarantees issued Total - 2.110.050 566.086 195.101 227.510 3.098.747 Total Lain-lain Terdiri dari Kalimantan, Sulawesi, Bali, Maluku dan Papua Others consists of Kalimantan, Sulawesi, Bali, Maluku and Papua Hanya fasilitas kredit komitmen yang belum ditarik Only for committed unused loan facility