Profil Maturitas Maturity Profile

LAPORAN TAHUNAN 2014 63 ANNUAL REPORT Tagihan Bersih Net Amount 1 bulan 1 bln s.d 3 bln 3 bln s.d 6 bln 6 bln s.d 12 bln 12 bulan up to 1 month 1 month to 3 months 3 months to 6 months 6 months to 12 months 12 months I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 5.685 5.685 - - - - 2 Penempatan pada Bank Indonesia 102.705 102.705 - - - - Placement to BI 3 Penempatan pada bank lain 910.950 910.950 - - - - Placement to Other Bank 4 Surat Berharga | Marketable Securities 1.349.599 17.079 426.416 713.727 - 192.377 5 Kredit yang diberikan | Loan 2.328.195 302.324 162.435 132.051 358.336 1.373.049 6 Tagihan lainnya | Other Receivables - - - - - - 7 Lain-lain | Others 203.840 203.840 - - - - Jumlah Aset | Total Asset 4.900.974 1.542.583 588.851 845.778 358.336 1.565.426 B. Kewajiban | Liabilities 1 Dana pihak ketiga 735.446 519.074 166.650 46.367 3.355 - Deposit from Customer 2 Kewajiban kepada Bank Indonesia - Liabilities to BI 3 Kewajiban kepada Bank lain 335.134 285.000 50.000 - - 134 Liabilities to Bank 4 Surat berharga yang diterbitkan - - - - - - Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing - - - - - - 6 Kewajiban lainnya | Other Liablities - - - - - - 7 Lain-lain | Others 1.146 1.146 - - - - Jumlah Kewajiban | Total Liabilities 1.071.726 805.220 216.650 46.367 3.355 134 Selisih Aset dengan kewajiban dalam neraca 3.829.248 737.363 372.201 799.411 354.981 1.565.292 Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. 1 Komitmen | Commitment - - - - - - 2 Kontijensi | Contingent - - - - - - - - - - - - Total Administrative Receivable B. 1 Komitmen | Commitment 1.940.946 131.419 486.440 755.510 59.454 508.123 2 Kontijensi | Contingent 48.416 20.802 15.794 7.159 3.524 1.137 Jumlah Kewajiban rekening administratif 1.989.362 152.221 502.234 762.669 62.978 509.260 Total Administrative Payavle Selisih tagihan dan kewajiban dalam rekening administratif 1.989.362 152.221 502.234 762.669 62.978 509.260 Derivative Receivable - Derivative Payable Selisih [IA-IB + IIA-IIB] | Difference [IA-IB + IIA-IIB] 1.839.886 585.142 130.033 36.742 292.003 1.056.032 Selisih kumulatif | Cummulative Difference - 585.142 455.109 491.851 783.854 1.839.886 31 Desember 2013 | 31 December 2013 Account Rekening Jatuh Tempo | Maturity Tagihan rekening administratif | Administrative Receivable Kewajiban rekening administratif | Administrative Payable Jumlah Tagihan rekening administratif LAPORAN TAHUNAN 2014 64 ANNUAL REPORT Tabel Pengungkapan Profil Maturitas Valas Table of Maturity Profile Foreign Currency - Bank secara Individual – Bank Only Tagihan Bersih Net Amount 1 bulan 1 bln s.d 3 bln 3 bln s.d 6 bln 6 bln s.d 12 bln 12 bulan up to 1 month 1 month to 3 months 3 months to 6 months 6 months to 12 months 12 months I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2,601 2,601 2 Penempatan pada Bank Indonesia 1,154,282 1,154,282 - - - - Placement to BI 3 Penempatan pada bank lain 690,216 690,216 - - Placement to Other Bank 4 Surat Berharga | Marketable Securities 15,023 15,023 - - - - 5 Kredit yang diberikan | Loan 11,643,188 300,448 913,468 1,569,588 2,069,905 6,789,779 6 Tagihan lainnya | Other Receivables 1,062,509 838,105 171,879 52,525 - - 7 Lain-lain | Others 991,060 991,060 - - - Jumlah Aset | Total Asset 15,558,879 3,991,735 1,085,347 1,622,113 2,069,905 6,789,779 B. Kewajiban | Liabilities 1 Dana pihak ketiga 1,664,619 1,452,650 205,207 6,762 - - Deposit from Customer 2 Kewajiban kepada Bank Indonesia - Liabilities to BI 3 Kewajiban kepada Bank lain - - Liabilities to Bank 4 Surat berharga yang diterbitkan - - - - - - Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 11,765,750 1,052,725 - - 5,015,925 5,697,100 6 Kewajiban lainnya | Other Liablities 30,331 28,944 1,387 - - - 7 Lain-lain | Others 5,326 5,326 Jumlah Kewajiban | Total Liabilities 13,466,026 2,539,645 206,594 6,762 5,015,925 5,697,100 Selisih Aset dengan kewajiban dalam neraca 2,092,853 1,452,090 878,753 1,615,351 2,946,020 1,092,679 Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. 1 Komitmen | Commitment 1,592,153 1,055,152 279,604 105,396 152,001 - 2 Kontijensi | Contingent - - - 1,592,153 1,055,152 279,604 105,396 152,001 - Total Administrative Receivable B. 1 Komitmen | Commitment 1,827,459 1,658,835 1,457,331 713,042 1,370,896 2,009,194 2 Kontijensi | Contingent 69,083 272 359 29,464 38,988 - Jumlah Kewajiban rekening administratif 7,278,381 1,659,107 1,457,690 742,506 1,409,884 2,009,194 Total Administrative Payable Selisih Tagihan dan Kewajiban dalam rekening administratif 5,686,228 603,955 1,178,086 637,110 1,257,883 2,009,194 Administrative Receivable - Administrative Payable Selisih [IA-IB + IIA-IIB] | Difference [IA-IB + IIA-IIB] 3,593,375 848,135 299,333 978,241 4,203,903 916,515 Selisih kumulatif | Cummulative Difference - 848,135 548,802 1,527,043 2,676,860 3,593,375 Tagihan rekening administratif | Administrative Receivable Kewajiban rekening administratif | Administrative Payable Jumlah Tagihan rekening administratif Dalam jutaan rupiah | In Milion Rupiah 31 Desember 2014 | 31 December 2014 Rekening Jatuh Tempo | Maturity Account LAPORAN TAHUNAN 2014 65 ANNUAL REPORT Tagihan Bersih Net Amount 1 bulan 1 bln s.d 3 bln 3 bln s.d 6 bln 6 bln s.d 12 bln 12 bulan up to 1 month 1 month to 3 months 3 months to 6 months 6 months to 12 months 12 months I. Eksposur Neraca | On Balance Sheet A. Aset | Asset 1 Kas | Cash 2.518 2.518 2 Penempatan pada Bank Indonesia 178.899 178.899 - - - - Placement to BI 3 Penempatan pada bank lain 282.030 3.982 182.550 95.498 Placement to Other Bank 4 Surat Berharga | Marketable Securities 13.618 13.618 - - - - 5 Kredit yang diberikan | Loan 9.604.479 5.966.367 417.553 165.390 672.551 2.382.618 6 Tagihan lainnya | Other Receivables - - - - - - 7 Lain-lain | Others 347.600 75.588 212.549 53.682 5.781 Jumlah Aset | Total Asset 10.429.144 6.240.972 812.652 219.072 773.830 2.382.618 B. Kewajiban | Liabilities 1 Dana pihak ketiga 1.875.324 1.732.533 132.349 10.442 - - Deposit from Customer 2 Kewajiban kepada Bank Indonesia - Liabilities to BI 3 Kewajiban kepada Bank lain - - Liabilities to Bank 4 Surat berharga yang diterbitkan - - - - - - Issued Marketable Securities 5 Pinjaman yang diterima | Borrowing 8.885.256 1.887.506 4.563.750 2.434.000 - - 6 Kewajiban lainnya | Other Liablities 1.044.554 387.456 326.752 322.882 6.207 1.257 7 Lain-lain | Others 1.156 1.156 Jumlah Kewajiban | Total Liabilities 11.806.290 4.008.651 5.022.851 2.767.324 6.207 1.257 Selisih Aset dengan kewajiban dalam neraca 1.377.146 2.232.321 4.210.199 2.548.252 767.623 2.381.361 Asset - Liabilities II. Rekening Administratif | Off Balance Sheet A. 1 Komitmen | Commitment 689.431 416.908 78.375 194.148 - - 2 Kontijensi | Contingent - - - 689.431 416.908 78.375 194.148 - - Total Administrative Receivable B. 1 Komitmen | Commitment 1.827.459 1.822.993 1.061.991 1.439.151 2.277.591 839.474 2 Kontijensi | Contingent 116.941 4.466 17.269 89.352 5.197 657 Jumlah Kewajiban rekening administratif 7.558.141 1.827.459 1.079.260 1.528.503 2.282.788 840.131 Total Administrative Payable Selisih Tagihan dan Kewajiban dalam rekening administratif 6.868.710 1.410.551 1.000.885 1.334.355 2.282.788 840.131 Administrative Receivable - Administrative Payable Selisih [IA-IB + IIA-IIB] | Difference [IA-IB + IIA-IIB] 8.245.856 821.770 5.211.084 3.882.607 1.515.165 1.541.230 Selisih kumulatif | Cummulative Difference - 821.770 4.389.314 8.271.921 9.787.086 8.245.856 Tagihan rekening administratif | Administrative Receivable Kewajiban rekening administratif | Administrative Payable Jumlah Tagihan rekening administratif Dalam jutaan rupiah | In Milion Rupiah 31 Desember 2013 | 31 December 2013 Rekening Jatuh Tempo | Maturity Account LAPORAN TAHUNAN 2014 66 ANNUAL REPORT MANAJEMEN The Management KOMITE–KOMITE INTERNAL Peraturan Bank Indonesia no 227PBI2000 tanggal 15 Desember 2000 mengenai Bank umum menyebutkan bahwa pejabat eksekutif adalah pejabat yang mempunyai pengaruh terhadap kebijakan dan operasional bank serta bertanggung jawab langsung kepada Direksi. Keputusan yang dibuat dan diambil atas semua kebijakan harus mendapat persetujuan dari komite yang terkait. Komite-komite yang terdapat dalam bank adalah:

i. KOMITE MANAJEMEN

Komite ini bertanggung jawab atas efisiensi kinerja bank. Termasuk penelahaan secara periodik dan pengarahan operasional, personalia, serta bagian umum yang akan dibawa dan dibicarakan didalam komite. Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan. Anggota komite saat ini adalah: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno ii. KOMITE ASET dan KEWAJIBAN ALCO adalah komite yang specific dibentuk dibawah IBG International Banking Group – HO yang bertanggung jawab dalam mengelola asset dan kewajiban bank sekaligus melaporkannya pada IBG. Beranggotakan sebagai berikut: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno INTERNAL COMMITTEES Bank Indonesia regulation No 227PBI2000 dated December 15, 2000 regarding Commercial bank defines Executive Officer as any position exerting influence on bank policy and operations and is directly responsible to the Boards of Directors. Relevant committee approved decisions on policies and directions of the bank. Established committees in the bank are:

i. MANAGEMENT COMMITTEE

The committee is responsible to ensure proper and efficient bank performance running. It covers the periodical review and direction of operations, personnel and general affairs. Any matters arise during the course of operation will be brought up by appropriate members for further deliberation of the committee. The meeting will be held monthly or as often as required. The current members are: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf. - Heru Purwanto - Louis Chandra - Mario Prayitno ii. ASSETS AND LIABILITIES COMMITTEE ALCO is a specific committee delegated by IBG to be responsible for managing bank’s assets and liabilities as well as to report to IBG through Management Committee. With the following members: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Louis Chandra - Mario Prayitno LAPORAN TAHUNAN 2014 67 ANNUAL REPORT iii. KOMITE KREDIT Tanggung jawab utama dari komite ini adalah mengakses dan menganalisa seluruh portofolio pinjaman dari bank termasuk baik rekening pinjaman lancar maupun pinjaman bermasalah. Rapat diadakan setiap minggu dan dihadiri oleh anggota yang spesifik telah disetujui oleh Kantor Pusat. Anggota komite saat ini adalah: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Mario Prayitno iiii. KOMITE MANAGEMEN RESIKO Komite ini bertanggung jawab atas pemantauan penerapan kebijakan managemen resiko, memantau posisi resiko untuk setiap jenis resiko dan aktivitas fungsional serta memeriksa secara berkala mengenai managemen resiko. Rapat akan diadakan setiap bulan atau sesuai dengan kebutuhan. Anggota komite yang sekarang adalah: - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Heru Purwanto - Anwar Munaf - Mario Prayitno - Frederick Wolfe iii. LOAN COMMITTEE The main responsibility of this committee is to assess and analyze all the banks’ loan portfolio, which includes active and non-performing loan accounts. The meeting will be held weekly and attended by members specifically approved by Head Office. The current members are: - Chalit Tayjasanant - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Lily D. Eman - Michael Anthony Kosman - Anwar Munaf - Heru Purwanto - Mario Prayitno iiii. RISK MANAGEMENT COMMITTE The Committee is responsible to monitor the implementation of risk management strategy, composite risk position for each type and functional activity and periodically review on risk management procedure. The meeting will be held monthly basis or as often as required. The current members are: - Joko Chahjono - Nilubol Isarankura Na Ayudhya - Udomsab Srirojanakul - Heru Purwanto - Anwar Munaf - Mario Prayitno - Frederick Wolfe