Analisa Pembahasan at as Kiner ja Per ser oan
Management Discussion Analysis on Company Per f or mance
292
bank bjb Lapor an Tahunan
20 15 Annual Repor t
c. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak – Bank Secara
Secara Individual Tabel 2.2.a
Rp Juta No
Kategori Portof olio 31 Desember 20 15 December 31, 20 15
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun
1 year 1 -3 t ahun
1 - 3 year s 3-5 t ahun
3 - 5 year s 5 t ahun
5 year s Non
Kont r akt ual Non
Cont r act ual Tot al
1 2
- 1
16.482.163 948.683
17.430 .846 2
Tagihan Kepada Ent it as Sekt or Publik 1.160 .695
8.675 1.169.370
3 Tagihan Kepada Bank Pembangunan Mult ilat er al dan
Lembaga Int er nasional -
4 Tagihan Kepada Bank
5.0 77.463 326.60 8
660 .956 6.0 65.0 27
5 Kr edit Ber agun Rumah Tinggal
59.152 20 2.229
280 .0 68 3.942.324
4.483.773 6
Kr edit Ber agun Pr oper t i Komer sial -
7 Kr edit Pegawai Pensiunan
614.814 3.177.991
6.0 71.30 4 28.684.552
38.548.661 8
Tagihan Kepada Usaha Mikr o, Usaha Kecil dan Por t of olio Rit el
1.0 65.0 69 1.0 0 4.685
130 .412 18.223
2.218.389 9
Tagihan kepada Kor por asi 4.224.556
1.832.540 1.522.80 9
1.70 1.0 46 9.280 .951
10 Tagihan yang Telah Jat uh Tempo
- 11
Aset Lainnya 3.225.810
3.225.810 12
Eksposur di Unit Usaha Syar iah apabila ada -
Total 31.90 9.721
6.552.728 9.614.232
34.346.145 -
82.422.826
d. Pengungkapan Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak – Bank Secara
Konsolidasi dengan Perusahaan Anak Tabel 2.2.b
Rp Juta No
Kategori Portof olio 31 Desember 20 15 December 31, 20 15
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun
1 year 1 -3 t ahun
1 - 3 year s 3-5 t ahun
3 - 5 year s 5 t ahun
5 year s Non
Kont r akt ual Non
Cont r act ual Tot al
1 2
- 1
Tagihan Kepada Pemer int ah 17.380 .312
- 948.683
- 18.328.995
2 Tagihan Kepada Ent it as Sekt or Publik
1.160 .695 8.675
- -
1.169.370 3
Tagihan Kepada Bank Pembangunan Mult ilat er al dan Lembaga Int er nasional
- -
- -
- 4
Tagihan Kepada Bank 5.490 .963
326.60 8 660 .956
- 6.478.527
5 Kr edit Ber agun Rumah Tinggal
149.851 20 2.229
280 .0 68 3.942.324
4.574.472 6
Kr edit Ber agun Pr oper t i Komer sial -
- -
- -
7 Kr edit Pegawai Pensiunan
614.814 3.177.991
6.0 71.30 4 31.146.80 8
41.0 10 .917 8
Tagihan Kepada Usaha Mikr o, Usaha Kecil dan Por t of olio Rit el
1.0 65.0 69 1.0 0 4.685
385.752 18.223
2.473.729 9
Tagihan kepada Kor por asi 4.224.556
1.832.540 1.522.80 9
4.328.0 15 11.90 7.920
10 Tagihan yang Telah Jat uh Tempo
- -
- -
- 11
Aset Lainnya 3.245.539
- -
- 3.245.539
12 Eksposur di Unit Usaha Syar iah apabila ada
- -
- -
-
Total 33.331.798
6.552.728 9.869.572
39.435.370 89.189.468
293
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
31 Desember 20 14 December 31, 20 14 Portf olio Category
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun
1 year 1 -3 t ahun
1 - 3 year s 3-5 t ahun
3 - 5 year s 5 t ahun
5 year s Non
Kont r akt ual Non
Cont r act ual Tot al
3 4
5 6
7 8
2 12.316.385
855.186 79.2280
13.963.851 Claims on Gover nment Sover eign
58.0 0 0 62.0 0 0
50 .837 170 .837
Claims on Public Sect or Ent it ies -
Claims on Mult ilat er al Development Banks and Int er nat ional Ent it ies
2.824.432 33.8736
35.3478 14.10 8
3.530 .754 Claims on Banks
11.250 16.8471
316.499 3.90 2.477
4.398.697 Claims Secur ed by Resident ial Pr oper t y
- Claims Secur ed by Commer cial Real Est at e
25.0 343 2.186.565
54.45.623 26.0 0 7.119
33.889.650 Claims on Pension Loans
899.650 2.433.225
510 .843 31.158
3.874.876 Claims on Micr o, Small, and Ret ail Por t f olio
2.498.837 1.598.0 0 6
191.955 2.0 76.883
6.365.681 Claims on Cor por at e
- Claims on Past Due Exposur es
3.231.698 3.231.698
Ot her Asset s Shar ia Exposur es if any
22.0 90 .595 7.642.189
7.661.515 32.0 31.745
69.426.0 44 Total
31 Desember 20 14 December 31, 20 14 Portf olio Category
Tagihan Bersih Berdasarkan Sisa Jangka Waktu Kontrak
Net Receivable Based on Cont r act ual Mat ur it y 1 t ahun
1 year 1 -3 t ahun
1 - 3 year s 3-5 t ahun
3 - 5 year s 5 t ahun
5 year s Non
Kont r akt ual Non
Cont r act ual Tot al
3 4
5 6
7 8
2 12.524.675
855.186 792.280
- -
14.172.141 Claims on Gover nment Sover eign
58.0 0 0 62.0 0 0
50 .837 -
- 170 .837
Claims on Public Sect or Ent it ies -
- -
- -
- Claims on Mult ilat er al Development Banks
and Int er nat ional Ent it ies 2.220 .0 34
338.736 353.478
14.10 8 -
2.926.356 Claims on Banks
11.250 168.471
316.499 3.90 2.478
- 4.398.698
Claims Secur ed by Resident ial Pr oper t y -
- -
- -
- Claims Secur ed by Commer cial Real Est at e
250 .343 2.186.565
5.445.623 26.0 0 7.120
- 33.889.651
Claims on Pension Loans 1.648.599
4.155.924 2.579.158
31.158 -
8.414.839 Claims on Micr o, Small, and Ret ail Por t f olio
2.50 3.691 1.598.0 0 6
191.955 2.0 76.883
- 6.370 .535
Claims on Cor por at e -
- -
- -
- Claims on Past Due Exposur es
3.271.571 -
- -
- 3.271.571
Ot her Asset s -
- -
- -
- Shar ia Exposur es if any
22.488.163 9.364.888
9.729.830 32.0 31.747
- 73.614.628
Total
c. Disclosure of Net Receivable by Remaining Maturity of the Contract – Bank Only
Table 2.2.a
Rp Million
d. Disclosure of Net Receivable by
Remaining Maturity of the Contract – Bank Consolidated Table 2.2.b
Rp Million