7DJLKDQ5HNHQLQJGPLQLVWUDWLI .HZDMLEDQ5HNHQLQJGPLQLVWUDWLI

384 MANAJEMEN RISIKO bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO 3RVSRV Post 6DQGL Code 6DOGR Balance 1 minggu 1 week b. Subordinasi Subordinated - - c. Lainnya Other - - 5. Pinjaman yang Diterima Borrowings 335.000 - a. Pinjaman Subordinasi Subordinated Borrowings - - b. Lainnya Other 335.000 - 6. Kewajiban Lainnya Other Liabilities 2.062.916 44.613 a. Kewajiban atas Surat Berharga yang dijual dengan janji dibeli kembali Repo Liability for Securities sold under repurchase agreements Repo 2.062.916 44.613 b. Lainnya Other - - 7. Lain-lain Others - - - 6HOLVLKVHWGHQJDQ.HZDMLEDQGDODP1HUDFD LIIHUHQFHVVHWVWRLDELOLWLHVLQ WKHDODQFH6KHHW 10.486.931 1.949.656 - II. Rekening Administratif Off-Balance Sheet

A. 7DJLKDQ5HNHQLQJGPLQLVWUDWLI

2IIDODQFH6KHHW5HFHLYDEOHV - - 1. Komitmen Commitments - - a. Fasilitas pinjaman yang belum ditarik Undrawn borrowing facilities - - b. Posisi pembelian spot dan derivatif yang masih berjalan Outstanding buying spot and derivative - - 1 Spot - - 2 Derivatif - - c. Lainnya Other - - 2. Kontijensi Contingencies - - -

B. .HZDMLEDQ5HNHQLQJGPLQLVWUDWLI

LDELOLWLHVDODQFH6KHHW 3.083.012 445.557 1. Komitmen Commitments 1.784.439 6.366 a. Fasilitas pinjaman yang belum ditarik Undrawn borrowing facilities 1.736.998 906 b. Irrevocable LC yang masih berjalan Irrevocable L C is still running 47.441 5.460 c. Posisi pembelian spot dan derivatif yang masih berjalan Outstanding buying spot and derivative - - 1 Spot - - 2 Derivatif - - d. Lainnya Other - - 2. Kontijensi Contingencies 1.298.573 439.191 - 6HOLVLK7DJLKDQGDQ.HZDMLEDQGDODP5HNHQLQJGPLQLVWUDWLI LIIHUHQFHLQ FFRXQW5HFHLYDEOHVDQG3D\DEOHVGPLQLVWUDWLYH 3.083.012 445.557 - 6HOLVLK,,,,,, 7.403.919 26.556.159 6HOLVLK.XPXODWLI XPXODWLYHLIIHUHQFHV 26.556.159 MANAJEMEN RISIKO 3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² DQN VHFDUD,QGLYLGXDO7DEHOD Rp Juta 385 RISK MANAGEMENT bank bjb Annual Report 2014 4UPDL0CMJHBUJPOJHIMJHIUT Management Discussion Analysis on Company Performance Good Corporate Governance PSQPSBUF4PDJBM3FTQPOTJCJMJUZ POTPMJEBUFEJOBODJBM4UBUFNFOUT Corporate Data -DWXK7HPSR Maturity PLQJJX minggu 1 weeks - 2 weeks PLQJJXEXODQ 2 weeks- 1 months EXODQ 1 -3 months EXODQ 3 - 6 months EXODQ 6 - 12 months 12 bulan 12 months - - - - - - - - - - - - - - - - - 335.000 - - - - - - - - - - - 335.000 1.304.121 219.698 182.783 311.701 - - 1.304.121 219.698 182.783 311.701 - - - - - - - - - - - - - - - - - - - - 2.636.565 1.822.487 1.768.779 348.849 850.971 11.294.663 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - 63.162 91.472 204.979 457.989 390.568 1.429.285 3.008 16.084 12.495 158.235 235.895 1.352.356 3.008 15.730 10.586 148.207 206.205 1.352.356 - 354 1.909 10.028 29.690 - - - - - - - - - - - - - - - - - - - - - - - - - 60.154 75.388 192.484 299.754 154.673 76.929 - - - - - - 63.162 91.472 204.979 457.989 390.568 1.429.285 - - - - - - 2.388.547 1.599.313 4.772.008 3.741.484 271.791 46.189.639 28.944.706 30.544.019 35.316.027 39.057.511 38.785.720 7.403.919 RISK MANAGEMENT LVFORVXUH RI 5XSLDK 0DWXULW\ 3URÀOH ² DQN 2QO\ Table 9.1.a Rp Million 386 MANAJEMEN RISIKO bank bjb Laporan Tahunan 2014 LIUJTBS4BIBN0CMJHBTJ Analisa Pembahasan atas Kinerja Perseroan 5BUB,FMPMB1FSVTBIBBO 5BOHHVOH+BXBC4PTJBM1FSVTBIBBO -BQPSBO,FVBOHBO,POTPMJEBTJBO BUB1FSVTBIBBO C 1SPmM .BUVSJUBT 3VQJBI o BOL TFDBSB Konsolidasi 3HQJXQJNDSDQ 3URÀO 0DWXULWDV 5XSLDK ² DQN VHFDUD .RQVROLGDVL GHQJDQ 3HUXVDKDDQ QDN Tabel 9.2.a. Rp Juta 3RVSRV Post 6DQGL Code 6DOGR Balance 1 minggu 1 week I. NeracaBalance Sheet

A. Aset