Liquidity Risk Laporan Tahunan bank bjb 2015 AR BJB 2015 (web)

bank bjb Lapor an Tahunan 20 15 Annual Repor t Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance bank bjb Lapor an Tahunan 20 15 Annual Repor t 354 Risiko likuidit as dapat dikat egor ikan sebagai ber ikut : • Risiko Likuidit as Pasar , yait u r isiko yang t imbul kar ena bank t idak mampu melakukan of f set t ing posisi t er t ent u dengan har ga pasar kar ena kondisi likuidit as pasar yang t idak memadai at au t er jadi gangguan di pasar mar ket disr upt ion; • Risiko Likuidit as Pendanaan, yait u r isiko yang t imbul kar ena bank t idak mampu mencair kan aset nya at au memper oleh pendanaan dar i sumber dana lain.

1. Pengawasan Aktif Dewan Komisaris dan Direksi

Dewan Komisar is dan Dir eksi ber t anggungjawab at as ef ekt ivit as pener apan Manajemen Risiko Likuidit as di Bank. Ter kait wewenang dan t anggung jawab pengawasan akt if Dewan Komisar is dan Dir eksi bank bjb, Dewan Komisar is dan Dir eksi selalu memper oleh inf or masi yang jelas mengenai evaluasi dan pener apan manajemen r isiko eksposur r isiko likuidit as, pemant auan limit secar a har ian ser t a langkah- langkah yang diambil oleh Risk Taking Unit khususnya t er kait adanya pelampauan limit . Dalam pelaksanaan pengawasannya, Dewan Komisar is dibant u oleh Komit e Pemant au Risiko KPR bank yang secar a ber kala melakukan pengawasan melalui koor dinasi dengan Sat uan Ker ja Manajemen Risiko. Media koor dinasi yang digunakan dapat ber upa lapor an pemant auan r isiko oleh SKMR yang disampaikan kepada Komit e Pemant au Risiko maupun melalui media r apat ant ar a kedua belah pihak. Adapun r apat yang diadakan t er sebut pada umumnya membahas pener apan manajemen r isiko di bank bjb menyangkut diant ar anya pener apan pengukur an r isk t oler ance r isiko likuidit as, st r ess t est ing likuidit as, pembahasan pr of il r isiko likuidit as yang ber sif at mat er ial, dan kecukupan met odologi pengukur an yang diper gunakan Sat uan Ker ja Manajemen Risiko. Pengawasan yang dilakukan oleh Dir eksi yait u memant au pener apan limit Tr easur y secar a ber kala baik t er jadi pelampauan limit br each limit maupun t idak t er jadi pelampauan limit , melakukan per set ujuan at as limit yang ber sif at bar u at aupun per ubahannya. Pembahasan t ent ang pengelolaan r isiko likuidit as seper t i komposisi deposan int i, mat ur it y pr of ile bank dilakukan dalam Rapat Liquidit y r isk can be cat egor ized as f ollows: • Mar ket liquidit y r isk, namely t he r isk ar ising f rom t he bank’s inabilit y t o of f set a cer t ain posit ion wit h t he mar ket pr ice due t o inadequat e mar ket liquidit y condit ions or mar ket disr upt ion; • Funding liquidit y r isk, namely t he r isk ar ising fr om t he bank’s inabilit y t o disbur se it s asset s or obt ain f unding f r om ot her sour ces.

1. Active Supervision by the Board of Commissioners and the Board of Directors

The Boar d of Commissioner s and t he Boar d of Dir ect or s ar e r esponsible f or t he ef f ect ive implement at ion of Liquidit y Risk Management of t he Bank. In r elat ions t o t he act ive super vision aut hor it y and r esponsibilit y of t he Boar d of Commissioner s and Boar d of Dir ect or s of bank bjb, t he Boar d of Commissioner s and t he Boar d of Dir ect or s always obt ain clear inf or mat ion on t he evaluat ion and implement at ion of r isk management of liquidit y r isk exposur e, super vision of limit on a daily basis as well as st eps employed by t he Risk Taking Unit specif ically r elat ed t o t he lending limit . In t he implement at ion of it s super vision, t he Boar d of Commissioner s is assist ed by t he bank’s Risk Monit or ing Commit t ee RMC which per iodically conduct super vision in coor dinat ion wit h t he Risk Management Unit . The coor dinat ion media ut ilized can be in t he f or m of r isk monit or ing r epor t s by t he SKMR which is submit t ed t o t he Risk Monit or ing Commit t ee or t hr ough t he media of meet ings bet ween t he t wo par t ies. The meet ing implement ed gener ally discusses t he implement at ion of r isk management in bank bjb concer ning among ot her s t he r isk t oler ance measur ement applicat ion of t he liquidit y r isk, liquidit y st r ess t est ing, mat er ial liquidit y r isk pr of iles, and adequacy of t he measur ement met hodology ut ilized by t he Risk Management Unit . Super vision car r ied out by t he Boar d of Dir ect or s is t hr ough t he monit or ing of t he implement at ion of t he Tr easur y limit per iodically in t he event of br each limit occur r ences or not , and t he pr ovision of limit appr oval t hat ar e new or af t er being amended. Discussions on t he management of t he liquidit y r isk, such as t he cor e deposit or s’ composit ion, mat ur it y pr of ile of t he bank, ar e car r ied out in t he ALCO Asset bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a 355 ALCO Asset Liabilit y Commit t ee sedangkan pembahasan eksposur r isiko likuidit as seper t i pr of il r isiko likuidit as yang ber sif at mat er ial, liquidit y st r ess t est ing, dan eksposur r isiko likuidit as lainnya dibahas dalam r apat Komit e Manajemen Risiko RMC. Ter kait limit r isiko likuidit as dan r isk appet it e bank dievaluasi secar a per iodik namun dapat diper cepat sesuai dengan per ubahan lingkungan bisnis bank.

2. Kecukupan Kebijakan, Prosedur dan Penetapan Limit

Sebagai upaya menghadapi per masalahan likuidit as mendasar , bank t elah memiliki kebijakan dan pedoman t er kait pener apan manajemen r isiko likuidit as. Kebijakan dan pedoman t er sebut memuat diant ar anya pr osedur pengukur an r isiko likuidit as, st r ess t est ing likuidit as yang memuat skenar io gener al mar ket cr isis dan bank specif ic cr isis. Ter kait kebijakan pener apan limit gap likuidit as, pr osedur eskalasi pelampauan limit , r encana kont injensi pendanaan likuidit as, saat ini bank masih menyusun pr osedur dan langkah- langkahnya ber sama r isk t aking unit dimana unt uk ke depannya akan dijadikan kebijakan at ur an yang per lu dipat uhi oleh r isk t aking unit . Penet apan limit likuidit as yang ber jalan di bank yait u penet apan limit pr imar y r eser ve, secondar y r eser ve dan ekses r eser ve GWM sedangkan unt uk penet apan pagu kas di Cabang Oper asional dilakukan oleh Divisi Oper asional. Sat uan Ker ja Manajemen Risiko selalu melakukan evaluasi at as kebijakan, pr osedur dan analisis kiner ja bank t er hadap limit yang dit er apkan. Adapun per ubahan limit dilakukan oleh r isk t aking unit unt uk kemudian dilakukan evaluasi melalui pengukur an yang t elah dist andar isasi oleh Sat uan Ker ja Manajemen Risiko. Liabilit y Commit t ee Meet ing, while discussions on t he liquidit y r isk exposur es such as mat er ial liquidit y r isk pr of iles, liquidit y st r ess t est ing, and ot her liquidit y r isk exposur es ar e discussed in t he Risk Management Commit t ee meet ings. The limit of t he bank’s mar ket r isk and r isk appet it e ar e evaluat ed per iodically or at any t ime deemed needed t o be evaluat ed in accor dance wit h t he bank’s changing business envir onment .

2. Adequacy of Policy, Procedure, and

Establishment of Limit As an ef f or t t o encount er f undament al liquidit y issues, t he bank has est ablished policies and guidelines r elat ed t o liquidit y r isk management . The policies and guidelines cont ain among ot her s pr ocedur es f or liquidit y r isk measur ement , liquidit y st r ess t est ing which includes gener al mar ket cr isis and bank specif ic cr isis scenar ios. In r elat ions t o t he policy implement at ion of liquidit y gap limit s, limit br eaches escalat ion pr ocedur es, f unding liquidit y cont ingency plan, t he bank is cur r ent ly st ill f or mulat ing t he pr ocedur es and met hods wit h t he r isk t aking unit which in t he f ut ur e will be used as a policy pr ovisions which needs t o be adher ed by t he r isk t aking unit . The det er minat ion of liquidit y limit s which will be per f or med by t he bank ar e namely t he limit det er minat ion of pr imar y r eser ve, secondar y r eser ve and excess r eser ve of t he St at ut or y Reser ves while t he det er minat ion of maximum cash at Oper at ional Br anches will be conduct ed by t he Oper at ional Division. The Risk Management Unit cont inuously evaluat es t he policies, pr ocedur es and per f or mance analysis of t he bank t owar ds t he applied limit . While limit changes ar e conduct ed by t he r isk- t aking unit s t o t hen be evaluat ed t hr ough a measur ement t hat has been st andar dized by t he Risk Management Unit . bank bjb Lapor an Tahunan 20 15 Annual Repor t Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance bank bjb Lapor an Tahunan 20 15 Annual Repor t 356

3. Kecukupan Proses Identif ikasi, Pengukuran, Pemantauan, dan Pengendalian Risiko, serta

Sistem Inf ormasi Manajemen Risiko Kebijakan r isiko likuidit as mencakup r isiko yang menyebabkan bank mender it a ker ugian akibat meningkat nya biaya dana at au adanya hambat an ket er bat asan dalam memenuhi kewajiban yang jat uh t empo. Sebagian besar t r ansaksi f inansial at au komit men mempunyai dampak t er hadap likuidit as bank. Oleh kar ena it u, bank sangat r ent an t er hadap masalah likuidit as, baik bagi bank it u sendir i maupun pengar uhnya t er hadap indust r i per bankan secar a keselur uhan. Bank ber kewajiban memenuhi kewajiban keuangannya secar a t epat wakt u sehingga bank har us mampu memelihar a suat u t ingkat likuidit as yang memadai set iap wakt u. Dalam menent ukan limit r isiko likuidit as, bank memper hat ikan kondisi likuidit as dar i akt iva- pasiva bank. Likuidit as yang cukup besar per lu dikelola secar a baik dan dijadikan indikat or dalam mener apkan limit r isiko likuidit as unt uk mendukung upaya peningkat an pr of it abilit as bank, kar ena likuidit as yang cukup besar just r u akan meningkat kan idle f und dan akan mer ugikan bagi bank t er ut ama bank yang didanai nasabah kor por asi. Gap likuidit as secar a hist or is dapat dijadikan pat okan dalam menent ukan limit r isiko likuidit as bagi bank. Pener apan limit likuidit as yang ber jalan di bank yait u penet apan limit pr imar y r eser ve, secondar y r eser ve dan ekses r eser ve GWM sedangkan unt uk penet apan pagu kas di Cabang Oper asional dilakukan oleh Divisi Oper asional. Saat ini bank sedang mengembangkan sist em inf or masi pengukur an r isiko likuidit as seper t i mat ur it y pr of ile yang t er int egr asi. Sat uan Ker ja Manajemen Risiko ber sama Risk Taking Unit dalam t ahapan int egr asi sist em inf or masi mat ur it y pr of ile t er sebut selalu diadakan r apat sebagai upaya menget ahui ut ilisasi pr ogr es yang t elah dilakukan. Sist em pelapor an mat ur it y pr of ile valas t elah t er int egr asi dan t er validasi dengan memadai sehingga pelapor annya t idak memer lukan pr oses manual lagi.

3. Adequacy of Identif ication Process,

Measurement, Monitoring, and Risk Control, as well as Risk Management Inf ormation System Liquidit y r isk policy cover s r isks t hat caused t he bank t o suf f er losses due t o t he r ising cost of f unds or t he pr esence of bar r ier s limit at ions t o meet it s mat ur ing obligat ions. Most f inancial t r ansact ions or commit ment s have impact s on t he liquidit y of t he bank. Ther ef or e, banks ar e highly vulner able t o liquidit y issues, bot h f or t he bank it self and it s impact on t he banking indust r y as a whole. The bank is obliged t o meet it s f inancial obligat ions in a t imely manner , t her ef or e, t he bank must be able t o maint ain an adequat e level of liquidit y at all t imes. In det er mining t he liquidit y r isk limit s, t he bank consider s t he liquidit y condit ion of t he bank’s asset s and liabilit ies. Subst ant ial liquidit y needs t o be managed well and used as indicat or s in t he implement at ion of liquidit y r isk limit s t o suppor t t he ef f or t s t o incr ease t he pr of it abilit y of t he bank, because a lar ge liquidit y will incr ease idle f unds and would be det r iment al t o t he bank, especially banks t hat ar e f unded by cor por at e cust omer s. Hist or ic liquidit y gap can be used as a benchmar k in det er mining t he liquidit y r isk limit s f or a bank. The implement at ion of liquidit y limit per f or med by t he bank ar e namely t he limit det er minat ion of pr imar y r eser ve, secondar y r eser ve, and excess r eser ve of t he St at uar y Reser ve while t he det er minat ion of maximum cash at Oper at ional Br anches will be conduct ed by t he Oper at ional Division. Cur r ent ly t he bank is developing a liquidit y r isk measur ement inf or mat ion syst ems such as an int egr at ed mat ur it y pr of ile. The Risk Management Unit along wit h t he Risk Taking Unit in t he int egr at ion st age of t he mat ur it y pr of ile inf or mat ion syst em conduct meet ings in an at t empt t o know t he ut ilizat ion of pr ogr ess t hat have been per f or med. The mat ur it y pr of ile of f or eign cur r ency r epor t ing syst em has been suf f icient ly int egr at ed and validat ed t hat it s r epor t ing does not r equir e any manual pr ocess. bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a 357 Sebagai langkah koor dinasi manajemen bank dalam menghadapi kejadian kr isis likuidit as dikemudian har i, bank sedang menyusun Tim Manajemen Kr isis Likuidit as Liquidit y Cr isis Management Team sebagai langkah ant isipat if dalam menyikapi kr isis likuidit as dengan menjalankan pr osedur r encana pendanaan dar ur at sesuai dengan ker angka ker ja Cont ingency Funding Plan Scenar io yang t elah dit et apkan ber dasar kan hasil r apat ALCO Asset Liabilit y Commit t ee. Dalam pr oses pemant auan limit Risk Taking Unit , Sat uan Ker ja Manajemen Risiko selalu melakukan pemant auan limit secar a har ian dan dilapor kan kepada Dir eksi secar a ber kala. Adapun apabila t er jadi eskalasi pelampauan limit maka akan seger a dilapor kan kepada Dir eksi t er masuk upaya cont ingency plan yang akan dilakukan oleh Risk Taking Unit . Ter kait menuju implement asi Basel III yang t er f okus kepada per masalahan likuidit as, Sat uan Ker ja Manajemen Risiko beker ja sama dengan Unit Bisnis dan Suppor t ing Unit melakukan pengukur an dampak Basel III t er hadap bank dengan melakukan simulasi per hit ungan r asio LCR Liquidit y Cover age Rat io dan NSFR Net St able Funding Rat io yang dibut uhkan oleh bank agar t er hindar i dar i dampak r isiko likuidit as dan kepat uhan int er nal maupun ekst er nal.

4. Sistem Pengendalian Intern yang Menyeluruh

Dalam r angka pengembangan pener apan manajemen r isiko yang dinamis, Sat uan Ker ja Manajemen Risiko selalu melakukan evaluasi at as kebijakan, pr osedur dan limit r isiko likuidit as secar a ber kala. Sebagai upaya pengendalian r isiko pasar ber upa kecukupan kebijakan dan pr osedur Sat uan Ker ja Manajemen Risiko, kaji ulang at as kebijakan dan pr osedur dilakukan oleh unit independen baik di int er nal at aupun pihak ekst er nal. Sat uan Ker ja Manajemen Risiko pun melakukan st r ess t est ing likuidit as bank bjb dan member ikan inf or masi kondisi kecukupan aset likuid yang dipandang memadai unt uk meng cover penar ikan dana oleh nasabah secar a t iba-t iba dan dalam jumlah besar . Lapor an t er sebut diinf or masikan kepada Dir eksi dan r isk t aking unit agar mendapat kan f eed back dan mencipt akan r isk awar eness. As a coor dinat ive measur e by t he bank’s management in f acing liquidit y cr isis occur r ences in t he f ut ur e, t he bank is f or ming t he Liquidit y Cr isis Management Team as an ant icipat or y measur e in r esponse t o t he liquidit y cr isis by execut ing emer gency pr ocedur es in accor dance wit h t he Cont ingency Funding Plan Scenar io f r amewor k which has been est ablished based on t he ALCO Asset Liabilit y Commit t ee meet ing r esult s. In t he Risk Taking Unit limit monit or ing pr ocess, t he Risk Management Unit cont inuously monit or s t he daily limit and r epor t it t o t he Boar d of Dir ect or s on a r egular basis. Limit escalat ion br each occur r ences will be immediat ely r epor t ed t o t he Boar d of Dir ect or s including cont ingency plan ef f or t s which will be conduct ed by t he Risk Taking Unit . In r elat ions t o t he implement at ion of Basel III, which f ocuses on liquidit y issues, t he Risk Management Unit is wor king wit h t he Business Unit and Suppor t ing Unit in measur ing t he impact s of Basel III on t he bank and calculat e t he r at io of t he LCR and NSFR r equir ed by t he bank in or der t o avoid t he impact of liquidit y r isk and int er nal and ext er nal compliance.

4. Comprehensive Internal Control System

In or der t o develop a dynamic r isk management , t he Risk Management Unit cont inuously evaluat es t he policies, pr ocedur es and limit s f or liquidit y r isk on a r egular basis. In an ef f or t t o cont r ol t he mar ket r isk in t he f or m of t he adequacy of policies and pr ocedur es of t he Risk Management Unit , r eviews on t he policies and pr ocedur es ar e car r ied out by an independent unit by bot h int er nal and ext er nal par t ies. The Risk Management Unit also conduct s bank bjb’s liquidit y st r ess t est ing and pr ovide inf or mat ion on t he liquid asset s adequacy condit ions t hat ar e deemed suf f icient t o cover a sudden and in lar ge amount f unds wit hdr awal by cust omer s. The r epor t is conveyed t o t he Boar d of Dir ect or s and t he r isk t aking unit in or der t o obt ain f eed back and cr eat e r isk awar eness. bank bjb Lapor an Tahunan 20 15 Annual Repor t Analisa Pembahasan at as Kiner ja Per ser oan Management Discussion Analysis on Company Per f or mance bank bjb Lapor an Tahunan 20 15 Annual Repor t 358

5. Pengungkapan Kuantitatif Risiko Likuiditas a. Prof il Maturitas Rupiah – Bank secara

Individual Pengungkapan Prof il Maturitas Rupiah - Bank secara Konsolidasi dengan Individual Tabel 9.1.a. Rp Juta Pos-pos Post Sandi Code Saldo Balance 1 minggu 1 week I. Ner aca Balance Sheet

A. Aset

Assets 79.670 .767 11.363.282 1. Kas Cash 2.347.192 2.347.192 2. Penempat an pada Bank Indonesia Placement t o Bank Indonesia 6.0 15.652 6.0 15.652 a. Gir o Cur r ent Account s 5.715.789 5.715.789 b. SBI - c. Lainnya Ot her Depo Facilit y, Ter m Deposit Rever se Repo 299.863 299.863 3. Penempat an pada bank lain Int er bank placement 2.0 70 .513 1.0 47.262 4. Sur at Ber har ga Secur it ies 12.80 4.70 6 - a. SUN 9.0 73.60 0 - 1 diper dagangkan t r ading 340 .879 2 t er sedia unt uk dijual available f or sale - 3 dimiliki hingga jat uh t empo held t o mat ur it y 8.732.721 4 pinjaman yang diber ikan dan piut ang loans and r eceivables - b. Sur at Ber har ga Kor por asi Cor por at e Secur it ies 3.731.10 6 - 1 diper dagangkan t r ading 745.419 2 t er sedia unt uk dijual available f or sale - 3 dimiliki hingga jat uh t empo held t o mat ur it y 2.985.687 4 pinjaman yang diber ikan dan piut ang loans and r eceivables - c. Lainnya Ot her - 5. Kr edit yang Diber ikan Loans 55.123.944 644.416 a. Belum Jat uh Tempo Non Past Due 55.123.944 644.416 b. Sudah Jat uh Tempo Past Due - 6. Tagihan Lainnya Ot her Receivable 1.30 8.760 1.30 8.760 a. Tagihan at as Sur at Ber har ga yang dibeli dengan janji dijual kembali RR Claims on Secur it ies pur chased under agr eement s t o r esell RR 1.30 8.760 1.30 8.760 b. Lainnya Ot her - 7. Lain-lain Ot her s - -

B. Kewajiban

Liabilities 66.866.885

43.0 84.20 7

1. Dana Pihak Ket iga Thir d Par t y Funds 61.292.333 40 .214.0 32 a. Gir o Cur r ent Account s 18.584.152 18.584.152 b. Tabungan Saving Account s 14.236.644 14.236.644 c. Simpanan Ber jangka Time Deposit s 28.471.537 7.393.236 1 Deposit o on call - 2 Deposit o ber jangka Time Deposit s 28.471.537 7.393.236 3 Lainnya Ot her - 2. Kewajiban kepada Bank Indonesia Liabilit ies on Bank Indonesia - 3. Kewajiban kepada bank lain Liabilit ies on Ot her Bank 3.513.10 2 2.531.60 9 4. Sur at Ber har ga yang Dit er bit kan Secur it ies Issued 1.722.884 - a. Obligasi Bonds 1.722.884 b. Subor dinasi Subor dinat ed - c. Lainnya Ot her - 5. Pinjaman yang Dit er ima Bor r owings 338.566 338.566 a. Pinjaman Subor dinasi Subor dinat ed Bor r owings - b. Lainnya Ot her 338.566 338.566 6. Kewajiban Lainnya Ot her Liabilit ies - - a. Kewajiban at as Sur at Ber har ga yang dijual dengan janji dibeli kembali Repo Liabilit y f or Secur it ies sold under r epur chase agr eement s Repo - bank bjb Lapor an Tahunan 20 15 Annual Repor t bank bjb Lapor an Tahunan 20 15 Annual Repor t St ock Obligat ion Highlight s Management Discussion Analysis Good Cor por at e Gover nance Cor por at e Social Responsibilit y Consolidat ed Financial St at ement s Cor por at e Dat a 359 Jatuh Tempo Mat ur it y 1 minggu - 2 minggu 1 weeks - 2 weeks 2 minggu - 1 bulan 2 weeks- 1 mont hs 1 - 3 bulan 1 -3 mont hs 3 - 6 bulan 3 - 6 mont hs 6 - 12 bulan 6 - 12 mont hs 12 bulan 12 mont hs 349.80 9 459.219 1.537.489 1.239.469

2.20 0 .0 90 62.521.40 9

- - - - - - - - - - - - 320 .0 0 0 255.0 0 0 422.950 25.30 1 - - - - 340 .879 12.463.827 - - - - 340 .879 8.732.721 340 .879 8.732.721 - - - - - 3.731.10 6 745.419 2.985.687 29.80 9 20 4.219 1.114.539 1.214.168 1.859.211 50 .0 57.582 29.80 9 20 4.219 1.114.539 1.214.168 1.859.211 50 .0 57.582 - - - - - - - - - - - - 3.335.480 2.118.482

5.0 55.774 4.993.678

2.40 1.752 3.0 12.496

3.0 71.947 9.727.70 1

8.517.262 1.150 .990 176.846 1.137.932 2.737.575 9.337.390 7.668.171 1.142.660 176.846 15.659 2.737.575 9.337.390 7.668.171 1.142.660 176.846 15.659 2.737.575 9.337.390 7.668.171 1.142.660 176.846 15.659 334.372 390 .311 248.480 8.330 - - 60 0 .611 - - 1.122.273 60 0 .611 1.122.273 - - - - - - - - - - - -

5. Quantitative Disclosure of the Liquidity Risk a. Individual Rupiah – Bank Maturity Prof ile

Disclosure of Rupiah Maturity Prof ile – Bank Only Table 9.1.a Rp Million