POSISI DEVISA NETO lanjutan NET OPEN POSITION continued
PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN
Tahun yang Berakhir pada Tanggal 31 Desember 2011 degan Angka Perbandingan
untuk 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain
Indonesian language.
PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS
Year Ended December 31, 2011
With Comparative Figures for 2010
Expressed in Rupiah, unless otherwise stated
115
46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued
b. Risiko Kredit lanjutan b. Credit Risks continued
iii Eksposur maksimum risiko kredit tanpa memperhitungkan agunan dan pendukung
kredit lainnya lanjutan iii Maximum exposure to credit risk before
collateral held or other credit enhancements continued
Konsentrasi risiko aset keuangan dengan eksposur risiko kredit lanjutan
Concentration of risks of financial assets with credit risk exposure continued
a Sektor geografis lanjutan a Geographical sector continued
31 Desember 2011 December 31, 2011 DKI
Luar DKI Jakarta
Jakarta Special District
Outside Jumlah
of Jakarta DKI Jakarta
Total ASET
ASSETS
Current accounts Giro pada Bank Indonesia
1.318.786.907.840 -
1.318.786.907.840 with Bank Indonesia
Current accounts with Giro pada Bank lain
276.872.410.339 25.027.090
276.897.437.429 other banks
Penempatan pada Placement with
Bank Indonesia dan Bank Indonesia and
bank lainnya 2.051.447.914.746
517.958 2.051.448.432.704
other banks Surat berharga
1.695.401.893.784 -
1.695.401.893.784 Securities
Kredit 11.816.259.241.864
1.583.186.099.623 13.399.445.341.487
Loans Aset lainnya
182.522.827.611 10.059.609.517
192.582.437.128 Other assets
Jumlah aset 17.341.291.196.184
1.593.271.254.188 18.934.562.450.372
Total assets 31 Desember 2010 December 31, 2010
DKI Luar DKI
Jakarta Jakarta
Special District Outside
Jumlah of Jakarta
DKI Jakarta Total
ASET ASSETS
Current accounts Giro pada Bank Indonesia
989.938.155.500 -
989.938.155.500 with Bank Indonesia
Current accounts with Giro pada Bank lain
373.335.314.322 24.486.105
373.359.800.427 other banks
Penempatan pada Placement with
Bank Indonesia dan Bank Indonesia and
bank lainnya 2.024.431.564.115
2.100.177.802 2.026.531.741.917
other banks Surat berharga
1.852.631.741.718 -
1.852.631.741.718 Securities
Kredit 10.225.385.696.152
953.465.532.496 11.178.851.228.648
Loans Aset lainnya
202.853.240.739 6.370.452.790
209.223.693.529 Other assets
Jumlah aset 15.668.575.712.546
961.960.649.193 16.630.536.361.739
Total assets
Eksposur risiko kredit atas rekening administratif adalah sebagai berikut:
Credit risk exposure relating to off-statement of financial position items are as follows:
31 Desember 2011 December 31, 2011 DKI
Luar DKI Jakarta
Jakarta Special District
Outside Jumlah
of Jakarta DKI Jakarta
Total Garansi yang diterbitkan
251.230.854.887 28.701.426.045
279.932.280.932 Guarantee issued
PT BANK ARTHA GRAHA INTERNASIONAL Tbk CATATAN ATAS LAPORAN KEUANGAN
Tahun yang Berakhir pada Tanggal 31 Desember 2011 degan Angka Perbandingan
untuk 2010 Dinyatakan dalam Rupiah, kecuali dinyatakan lain
Indonesian language.
PT BANK ARTHA GRAHA INTERNASIONAL Tbk NOTES TO THE FINANCIAL STATEMENTS
Year Ended December 31, 2011
With Comparative Figures for 2010
Expressed in Rupiah, unless otherwise stated
116
46. MANAJEMEN RISIKO lanjutan 46. RISK MANAGEMENT continued
b. Risiko Kredit lanjutan b. Credit Risks continued
iii Eksposur maksimum risiko kredit tanpa memperhitungkan agunan dan pendukung
kredit lainnya lanjutan iii Maximum exposure to credit risk before
collateral held or other credit enhancements continued
Eksposur risiko kredit atas rekening administratif
adalah sebagai
berikut: lanjutan
Credit risk exposure relating to off-statement of financial position items are as follows:
continued a Sektor geografis lanjutan
a Geographical sector continued
31 Desember 2010 December 31, 2010 DKI
Luar DKI Jakarta
Jakarta Special District
Outside Jumlah
of Jakarta DKI Jakarta
Total Garansi yang diterbitkan
310.245.390.603 20.509.541.051
330.754.931.654 Guarantee issued
b Sektor Industri b Industry sector
Tabel berikut menggambarkan rincian eksposur maksimum kredit Bank pada
nilai tercatat tanpa memperhitungkan agunan atau pendukung kredit lainnya,
yang dikategorikan berdasarkan sektor industri pada tanggal 31 Desember
2011 dan 2010. The following table breaks down Bank‟s
maximum credit exposure at their carrying amounts without taking into
account any collateral held or other credit support, as categorised by industry
sectors as at December 31, 2011 and 2010.
dalam jutaan Rupiah
31 Desember 2011December 31, 2011 in millions of
Rupiah
Pemerintah Government
BankBank Lembaga
Keuangan Bukan Bank
Financial Institution
Non Banks Industri
Pengolahan Manufacturing
Jasa-jasa Dunia Usaha
Trade Services
Perusahaan Lainnya dan
Perseorangan Other
Companies and Individual
Jumlah Total
Giro pada Bank Indonesia
1.318.787
- -
- -
-
1.318.787 Current accounts
With Bank Indonesia
Giro pada bank lain
-
276.897
- -
- -
276.897 Current accounts
With Other banks
Penempatan pada Placement with
Bank Indonesia Bank Indonesia
dan bank lain 2.029.746
21.702
- -
- -
2.051.448 and other banks
Surat berharga 1.650.402
45.000 1.695.402
Securities Kredit
12.287 22
2.136.315 2.978.096
8.272.725 13.399.445
Loans Pendapatan bunga
masih harus Accrued interest
diterima -
123 -
19.010 34.460
44.589 98.182
receivables Tagihan akseptasi
85.716 485
6.232 92.433
Acceptances receivable
Tagihan derivatif -
1.968 -
- -
- 1.968
Derivative receivable
Jumlah 5.011.222
300.690 22
2.241.041 3.013.041
8.368.546 18.934.562
Total