Banking interest rate development for 2016

Laporan Tahunan 2016 | BANKALTIM 185 2016 annual report | BANKALTIM Sementara, perhitungan GWM Primer Rupiah yang diberlakukan di BPD Kaltim sesuai SK Direksi No.032SKBPD-PSTII2011 tentang Pedoman dan Ketentuan Pemenuhan GWM Dalam Rupiah BPD Kaltim yaitu ditambahkan sebesar 0,005 di atas persentase GWM yang ditetapkan BI. Penambahan ini dilakukan untuk mengantisipasi pelanggaran atau terjadinya kekurangan dalam pemenuhan GWM Primer. Pemenuhan GWM Primer dan LFR oleh Bank selama tahun 2016 adalah sebagai berikut: Bulan | Month Nominal GWM Primer dan LDR LFR Rupiah | Primary GWM and LDR LFR Amount IDR Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 1,421,471,916,600.00 1,370,881,312,000.00 1,266,847,077,050.00 1,320,167,700,450.00 Februari | February 1,389,226,383,900.00 1,485,492,943,850.00 1,498,957,514,250.00 1,468,842,651,050.00 Maret | March 1,441,843,488,600.00 1,427,952,108,850.00 1,244,529,444,500.00 1,212,664,376,750.00 April | April 1,183,347,317,500.00 1,172,946,538,050.00 1,169,381,993,200.00 1,149,296,244,500.00 Mei | May 1,133,350,863,250.00 1,120,097,511,200.00 1,115,522,869,950.00 1,096,017,952,700.00 Juni | June 1,086,156,632,900.00 1,071,088,971,300.00 1,080,897,600,600.00 1,029,643,925,000.00 Juli | July 996,071,229,700.00 1,027,116,082,000.00 1,205,405,187,050.00 1,184,949,433,950.00 Agustus | August 1,166,884,333,400.00 1,188,811,647,600.00 1,189,963,553,000.00 1,166,175,873,850.00 September | September 1,140,183,129,800.00 1,121,181,049,050.00 1,111,284,602,250.00 1,077,360,246,650.00 Oktober | October 1,040,738,267,550.00 1,037,909,503,250.00 1,080,383,705,600.00 1,050,413,089,000.00 Nopember | November 1,040,291,243,950.00 1,029,291,028,750.00 1,023,040,244,150.00 1,013,404,062,400.00 Desember | December 1,036,113,732,950.00 1,026,485,292,150.00 1,005,427,501,300.00 976,465,484,950.00

b. GWM Sekunder

GWM sekunder yang wajib dipenuhi yaitu sebesar 4 dari rata-rata DPK Rupiah sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan atas GWM Sekunder yang dilakukan oleh BPD Kaltim adalah dalam bentuk SBI, SDBI, SUN dan RR SUN dan atau dilakukan Excess Reserve Tunai sesuai dengan persentase yang ditetapkan oleh Bank Indonesia bila pemenuhan dalam surat berharga tidak mencapai persentase yang ditetapkan. Namun, sepanjang tahun 2016 pemenuhan GWM sekunder melalui Excess Reserve tunai tidak pernah dilakukan. Pemenuhan GWM Sekunder oleh Bank selama tahun 2016 adalah sebagai berikut: Meanwhile, the calculation of IDR Primary GWM enforced in BPD Kaltim according to SK Directors No.032SKBPD-PSTII2011 on BPD Kaltim Fulillment Guidelines and Conditions of GWM in IDR which added 0,005 above the GWM percentage set by BI. The addition is done to anticipate the violations or shortages in primary GWM fulillment. Fulillment of Primary GWM and LFR by the Bank during 2016 were as follows:

b. Secondary Statutory Reserves

Secondary GWM that must be met is equal to 4 of the average IDR TPF according to LBBU period of two weeks earlier. Fulillment of the Secondary Statutory Reserves carried by BPD Kaltim is in SBI, SDBI, SUN and RR SUN and or carried of Excess Reserve Cash in accordance with the percentageset by Bank Indonesia if the fulillment of the securities does not reach the percentage set. However, throughout 2016, the fulillment of secondary reserves through Excess Reserve cash never done. Fulillment of secondary reserve by the Bank during 2016 were as follows: Laporan Tahunan 2016 | BANKALTIM 2016 annual report | BANKALTIM 186 Bulan | Month Nominal GWM Sekunder Rupiah | Secondary GWM Amount IDR Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 757,613,280,000.00 730,649,600,000.00 675,201,640,000.00 703,620,360,000.00 Februari | February 740,427,120,000.00 791,735,080,000.00 798,911,400,000.00 782,860,840,000.00 Maret | March 768,470,880,000.00 761,067,080,000.00 765,275,600,000.00 745,681,400,000.00 April | April 727,654,000,000.00 721,258,440,000.00 719,066,560,000.00 706,715,600,000.00 Mei | May 696,910,600,000.00 688,760,960,000.00 685,947,960,000.00 673,954,160,000.00 Juni | June 667,890,320,000.00 658,625,040,000.00 664,656,480,000.00 633,140,000,000.00 Juli | July 612,495,760,000.00 631,585,600,000.00 741,217,640,000.00 728,639,160,000.00 Agustus | August 717,530,720,000.00 731,014,080,000.00 731,722,400,000.00 717,095,080,000.00 September | September 701,111,840,000.00 689,427,240,000.00 683,341,800,000.00 662,481,320,000.00 Oktober | October 639,962,040,000.00 638,222,600,000.00 664,340,480,000.00 645,911,200,000.00 Nopember | November 639,687,160,000.00 632,923,000,000.00 629,079,320,000.00 623,153,920,000.00 Desember | December 637,118,360,000.00 631,197,720,000.00 618,249,040,000.00 600,439,960,000.00

c. GWM Valuta Asing

GWM Valas yang wajib dipenuhi yaitu sebesar 8 dari rata-rata DPK Valas sesuai LBBU periode 2 minggu sebelumnya. Pemenuhan GWM Valuta Asing oleh Bank selama tahun 2016 adalah sebagai berikut: Bulan | Month Nominal GWM Valas tahun 2016 Dalam USD | foreign currency GWM Amount 2016 in USD Minggu I | 1st week Minggu II | 2nd week Minggu III | 3rd week Minggu IV | 4th week Januari | January 975,569.00 267,847.00 180,032.00 180,112.50 Februari | February 157,928.00 123,917.40 269,288.20 321,560.85 Maret | March 632,475.05 680,585.10 796,097.25 700,277.40 April | April 371,512.05 329,005.50 309,873.55 276,412.65 Mei | May 139,607.20 119,914.90 119,754.80 118,073.75 Juni | June 120,955.55 124,878.00 125,518.40 144,009.50 Juli | July 124,557.80 113,671.00 170,346.40 155,457.10 Agustus | August 135,444.60 113,831.10 270,569.00 674,101.05 September | September 532,652.70 672,179.85 594,691.45 113,190.70 Oktober | October 112,550.30 111,989.95 231,664.70 403,852.25 Nopember | November 410,896.65 391,604.60 590,608.90 392,885.40 Desember | December 391,124.30 390,644.00 396,727.80 394,726.55 Posisi Devisa Neto Nett Open Position PDN NOP BPD Kaltim Tahun 2016 BI mensyaratkan untuk bank dengan status devisa wajib memelihara Posisi Devisa Neto maksimal 20 dari modal bank setiap akhir hari tutup sistem treasury. BPD Kaltim juga menerapkan aturan internal dalam pemeliharaan PDN yaitu sebesar 15 dari modal. Selama tahun 2016, posisi Devisa Neto BPD Kaltim terjaga di bawah batas atau ketentuan maksimal BI dan aturan internal bank. BPD Kaltim juga menerapkan sistem monitoring berbasis IT dalam hal pengawasan PDN yang akan terus disempurnakan. PDN Total BPD Kaltim pada akhir tahun 2016 adalah sebesar 1,70

c. Foreign Currency Statutory Reserves

Foreign Currency Statutory Reserves which must be fulilled is amounted to 8 of the average Foreign Currency Third Party Funds in accordance to regular reports of commercial bank LBBU period of two weeks earlier. Foreign Currency Statutory Reserves fulillment by the Bank during 2016 were as follows: The position of the NOP Net Open Position of BPD Kaltim 2016 BI requires for banks with foreign exchange status must maintain the Net Open Position for a maximum of 20 of bank capital at each end day treasury system closed. BPD Kaltim also adopt internal rules in NOP maintenance amounting to 15 of the capital. During 2016, the net open position of BPD Kaltim maintained below the limit or maximum provision of BI and the internal rules of the bank. BPD Kaltim also implement IT-based monitoring system in terms of Net Open Position supervision which will continue to be reined. NOP total of BPD Kaltim at the end of 2016 is amounted to 1.70.