ProdukHukum BankIndonesia
Attachment 1
PARTICIPANT BANKS
NO
BANK
TOTAL ASSET *) TIER I CAPITAL
(Rp. Million)
(Rp. Million)
GROUP I
1
2
3
4
5
6
7
8
9
10
11
Bank Liman Internasional
Bank Akita
Bank UIB
Bank Dipo Internasional
Bank Hagakita
Bank Shinta
Bank Kesejahteraan
Bank Ganesha
Bank Swadesi
Bank Inter Pacific
Maybank Indocorp
12
13
14
15
16
17
18
19
20
21
22
23
24
Bank Harda
Bank Kesawan
Bank Haga
Bank Victoria
Bank Bumi Artha
Bank Agroniaga
Bank Artha Graha
Rabobank Int'l Indonesia
BPD DKI
Bank Mizuho Indonesia
UFJ Bank
DBS Indonesia
Bank of Tokyo Mitsubishi
141.598
573.994
610.698
567.937
900.530
464.015
352.815
867.708
869.02
287.664
293.398
62.672
64.645
77.268
81.664
82.985
86.155
99.528
104.773
105.804
146.658
151.458
GROUP 2
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
1,014,865
1,654,383
2,984,187
1,819,074
1,385,018
1,993,669
8,550,362
3,271,843
7,322,019
6,154,749
7,139,811
6,523,760
9,150,845
GROUP 3
Standard Chartered Bank
20,554,514
Bank Mega
18,595,471
HSBC
23,846,839
Bank Tabungan Negara
26,064,220
Bank Buana
14,970,404
Bank Permata
29,681,891
Bank Lippo
27,251,805
Citibank
27,102,219
Bank Niaga
32,279,063
Bank Internasional Indonesia
39,173,470
Bank Pan Indonesia (Panin)
27,169,297
Bank Danamon
59,618,353
Bank Central Asia
148,468,647
Bank Rakyat Indonesia
107,745,551
Bank Negara Indonesia
134,488,032
Bank Mandiri
247,628,484
Total Asset Bank Participants
1,049,532,222
Total Banks' Asset
1,312,752,007
Share of Bank Participants
79,95%
*) as of April 2005
67.885
105.872
170.958
172.427
204.185
253.986
362.759
554.049
647.726
843.072
1,019,778
1,429,913
2,767,488
1,130,559
1,287,912
1,636,340
1,751,160
2,075,722
2,227,105
2,461,577
2,739,812
2,754,897
3,953,135
4,136,020
10,109,977
14,166,433
14,169,516
14,795,904
32,288,385
Attachment 2
DEFINITION AND NATION DISCRETION
I. Credit Risk
a. Definition of portfolio classification and risk weighted
No
Category
Description
Risk Weighted
Basel II
Current
Regulation
100%
Based on rating
1 Corporate
including State
Owned Enterprise
2 Sovereign
Exposure from corporate debitur with
total credit of > Rp. 5 Billion
Exposure from government and central bank
0%
Based on rating
3 Bank
Exposure from banks
a. Short term, original maturity = 3 months
b. Long term, original maturity < 3 months
Exposures that meet retail criteria in Basel II
a.Residential mortgages
b. Non residential mortgages
Exposures that do not meet retail criteria
in Basel II, and are classified as:
a. Retail, total credit = Rp. 500 million
b. Corporate, if total credit > 500 million
a. Residential Mortgages
? Special Allowance < 20% of total exposures
? Special Allowance = 20% of total exposures
b. Non residential Mortgages
? Special Allowance < 20% of total exposures
? Special Allowance 20%-50%
? Special Allowance = 50%
20%
Based on rating
50%
100%
100%
35%
75%
4 Retail
5 SME
6 Past Due (> 90 days)
Discretion
-
Scenario 1: 100%
Scenario 2: 50%
-
-
75%
Based on rating
100%
100%
100%
50%
100%
100%
100%
150%
100%
50%
75%
b. Accredited rating agencies:
Standard & Poor, Moodys, Fitch, PT.Pefindo, and PT. Kasnic
II. Operational Risk
The definition of gross income to calculate capital adequacy is profit/loss before tax
that is adjusted to the following criteria:
1. Includes all allowance/depreciation/amortization
2. Includes operational and services expenditure
3. Excludes profit/loss recognition from securities capital gain in portfolio
banking book
PARTICIPANT BANKS
NO
BANK
TOTAL ASSET *) TIER I CAPITAL
(Rp. Million)
(Rp. Million)
GROUP I
1
2
3
4
5
6
7
8
9
10
11
Bank Liman Internasional
Bank Akita
Bank UIB
Bank Dipo Internasional
Bank Hagakita
Bank Shinta
Bank Kesejahteraan
Bank Ganesha
Bank Swadesi
Bank Inter Pacific
Maybank Indocorp
12
13
14
15
16
17
18
19
20
21
22
23
24
Bank Harda
Bank Kesawan
Bank Haga
Bank Victoria
Bank Bumi Artha
Bank Agroniaga
Bank Artha Graha
Rabobank Int'l Indonesia
BPD DKI
Bank Mizuho Indonesia
UFJ Bank
DBS Indonesia
Bank of Tokyo Mitsubishi
141.598
573.994
610.698
567.937
900.530
464.015
352.815
867.708
869.02
287.664
293.398
62.672
64.645
77.268
81.664
82.985
86.155
99.528
104.773
105.804
146.658
151.458
GROUP 2
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
1,014,865
1,654,383
2,984,187
1,819,074
1,385,018
1,993,669
8,550,362
3,271,843
7,322,019
6,154,749
7,139,811
6,523,760
9,150,845
GROUP 3
Standard Chartered Bank
20,554,514
Bank Mega
18,595,471
HSBC
23,846,839
Bank Tabungan Negara
26,064,220
Bank Buana
14,970,404
Bank Permata
29,681,891
Bank Lippo
27,251,805
Citibank
27,102,219
Bank Niaga
32,279,063
Bank Internasional Indonesia
39,173,470
Bank Pan Indonesia (Panin)
27,169,297
Bank Danamon
59,618,353
Bank Central Asia
148,468,647
Bank Rakyat Indonesia
107,745,551
Bank Negara Indonesia
134,488,032
Bank Mandiri
247,628,484
Total Asset Bank Participants
1,049,532,222
Total Banks' Asset
1,312,752,007
Share of Bank Participants
79,95%
*) as of April 2005
67.885
105.872
170.958
172.427
204.185
253.986
362.759
554.049
647.726
843.072
1,019,778
1,429,913
2,767,488
1,130,559
1,287,912
1,636,340
1,751,160
2,075,722
2,227,105
2,461,577
2,739,812
2,754,897
3,953,135
4,136,020
10,109,977
14,166,433
14,169,516
14,795,904
32,288,385
Attachment 2
DEFINITION AND NATION DISCRETION
I. Credit Risk
a. Definition of portfolio classification and risk weighted
No
Category
Description
Risk Weighted
Basel II
Current
Regulation
100%
Based on rating
1 Corporate
including State
Owned Enterprise
2 Sovereign
Exposure from corporate debitur with
total credit of > Rp. 5 Billion
Exposure from government and central bank
0%
Based on rating
3 Bank
Exposure from banks
a. Short term, original maturity = 3 months
b. Long term, original maturity < 3 months
Exposures that meet retail criteria in Basel II
a.Residential mortgages
b. Non residential mortgages
Exposures that do not meet retail criteria
in Basel II, and are classified as:
a. Retail, total credit = Rp. 500 million
b. Corporate, if total credit > 500 million
a. Residential Mortgages
? Special Allowance < 20% of total exposures
? Special Allowance = 20% of total exposures
b. Non residential Mortgages
? Special Allowance < 20% of total exposures
? Special Allowance 20%-50%
? Special Allowance = 50%
20%
Based on rating
50%
100%
100%
35%
75%
4 Retail
5 SME
6 Past Due (> 90 days)
Discretion
-
Scenario 1: 100%
Scenario 2: 50%
-
-
75%
Based on rating
100%
100%
100%
50%
100%
100%
100%
150%
100%
50%
75%
b. Accredited rating agencies:
Standard & Poor, Moodys, Fitch, PT.Pefindo, and PT. Kasnic
II. Operational Risk
The definition of gross income to calculate capital adequacy is profit/loss before tax
that is adjusted to the following criteria:
1. Includes all allowance/depreciation/amortization
2. Includes operational and services expenditure
3. Excludes profit/loss recognition from securities capital gain in portfolio
banking book