PERATURAN BANK INDONESIA NOMOR 14 22 PBI
!"
$% &' $
#
. )
.
/
! '0) 0 ! ' - ,
'*
,
!
- ,
$%
#
()* ( + , -
0 )
'&(
-
& 0&(
'0)&(0&) . ) (* *
- ,
)
, . ),& .
! $
-&(& !
!
!
, ,& .
/
- )
. )
$% & 0&( 0 )+ .
/ .
/
( +,
- )
-
&' $
()*
()* ( + ,
!( 0
! $2
0 & .
&' $
'0)&(0&) . ) (* *
()* ( + , -
()*
!(
. )(& 0 . )
! $ - ,
0 & .
+#
,(
1, ' 2
( +, '*
! $
(
(' ' () - 0
( . -
!( 0
. )
! $
(
&' $
(' ' () - 0
( . -
. ),& .
.
&' $
!& 0
)
3
-2-
.
)
- ,
)
(
-
. )
!
!4
-
)
(
7
$&
#
$&
'
$&
)
! )
(
-*
'
-
!
-*
'
'
$&
)
! )
!
-
!
0
0
(
-*
0 &
/
-
!4
0 .
)
!(
+, -
! $2
$&
66
0
.& , (
0
-*
'
$ -
66: 7
66:
.& , (
* *)
!
-
)
! )
-*
8
7
.& , (
$
!
) 0&)
-*
!4
-
!
.& , (
$
* *) 856 92
$&
* *)
8 5 9
:
'
)
666
)
* *)
* *)
!
'
$
-*
-
'
*, $
( ' - ,
! )
0 , $ -&
!
$&)&1 +
* *) 5
0 , $ -&
!4
-
* *) 8
!
-
$&)&1
()*
.& , (
* *)
!
0&
)
-
'
) -0
!
'
!
) 0&)
' $
66
! )
-*
$&)&1
!
-*
. , (& &' $ 2
. )0
-
-
'
-
)
&
!
#
( . '0 '
0 .(
(
! ! 0"
!( 0(
(
('&- - ,
0
(
)- ' )(
. ),&
0
0 ( ' *, $
!(
.&
$%
-#
0&
666 0
0
!
! )
.& , (
;;
$
'
) .
* *) ;
* *) 8: 89
( ,
0 ) ($ )
$&
6
) 0 $
-
!4
!!
-
0
!3
-3-
-
!4
)&
$
$&
-
#
* *)
-&
0 '
666 0
-
!4
-*
'
-
!
0
!
6
!4
)
(
/ ) $ 7
-*
'
$&
)
! )
!4
' $
-
!
()*
! )
.& , (
$
-*
* *)
* *)
-*
< -
5
$
* *) 6; 92
: 0
0
$
* *) :;592
: 0
! $ 7
$&
! )
!
.& , (
6
$&
'
)
8
.& , (
'
-
-*
* *)
! )
* *)
.& , (
!
! )
'
)
0
'
$&
:
+,
!
-*
* *)
.& , (
: 0
-
)
-
-
!
!4
(
7
! )
-
$&
-
$&
)
8#
!
:
.& , (
0
!
)
* *) 68
-*
'
* *) :;;92
"
0 .(
"
#
3
-4-
' ,
,
) 0&)
#
(
&
'
(
!4
- , $
-
!
!
-
/
-
!
(
.&)
(
.&)
!
)( -&-&(
-*
8#
0
( /
('&- !
$&
-
!4
/ ) $ '
!
:0
( /
0
-
!
0
('&- - ,
0
!
!
$&
"
-
66
!
!
!
!
)
(
* *)
$&
-
('&- - ,
)
(
)( -&-&(
/ ) $
- ,& )
! )
#
(/
'
! ) ,&
0
!
)
-*
'
!
! --)(
(-
&,
!
)&
(
-
-
, ( *, $
-*
'
), (& /
$
-
. -
'
(* .*' ' .
)( -&-&(
-
-
,& )
/
-
!4
&,
!
! ' $
! )
!0 , $
!4
!
0
(
-
!
* *) 5
), (& /
'$
-
( -
' #
* *) 5
!
5
66: 0
(
) -0 - , $
-
'
$-
&' $
0
) 0&)
0 0 .
&
- ,& )
$&
66
(
- , $
. )*, $ =
$&
!-
* *)
0*) +
* *)
/
&
'&( (
#
(
!4
'
* *)
0 , $-&
66: -
0 )
-*
) -0'
$&
-
66
!4
-
!
0
!
0
!
* *)
)
('&- - ,
(
$&
'
-
!
!4
-
!
0 , $-&
$
66:#
#
/
3
-5-
#
/
'
)- ' )(
!
-
:0
>#
0
!
' $
-
0 &
(
0
-
&' $
!
' $
. )*)
()*
,( ( ( /
.&,&$ 9
)$ 0& !
& !
0 &
/
/
. , ! )
- $
A 7-&
9#
' ) / . )'
'
!
) -0
) -0 0 &
!
-
0 ' .
)
('&- . -
& 0&( ' ,&)&$ (
0*)
(
) -0 0 &
/
/ 0 7 9 - , (&(
' + )
& #
' ,8
)
'
) -0
!
# ,
-
0 &
('&- - ,
!'& ! ( . -
# 0- ( ,
-
/
' ,
' $
!'& !
*, $
()*
- , (&(
0 &.
/
)'
&
' + ) "
+, -
, ,& ( )< '
(
! $2 -
.*,
0 &
.*,
7' - ( ' 9#
' ,
&$
'
( % <
!
( /
( 0
0&
#
) -0
!
.
('&- - ,
)( -&-&(
'
)
!
' ,
- ,& )
-
0 &
/
' , 8
! ) -
! (
(
0*) +
.&)
!
), (&
) (&0"
0 &
- . )$ 0& !(
) -0
/
'
!
& 0&( .)*-&(
) -0 0 &
('.*)
/
*
! ' - . 0
2
#.
)
3
-9-
# .
)
) -0
,
!'& ! -
0 &
/
- . 0 - , (&(
0 &0- (,
!'& !
, ,& ( )< '
' + )
.*,
' ,>
,
)(
-
('&- - ,
( 0
0&
(
+
' '
# )
# , .*)
-*
'
'
(
/
!
&
'
% <
! 0&)
!
). -*
!
. -
"
(2
!
' )0 , .*)
.& , ( ' 0) %&,
0 )0
-
&,
( & &
0&2
1*)
' -
'
1*)
'. )
/
(& & 2
( &
-# ' '0
0 &
' ,
&,
+# , .*)
# 0)
) -0
0&)2
' .)*-&(
( -
.
!!&
- 0
.)
-
$#
' ,;
(
'
!
'
!
!
# . -*
) -0
&
/
-
!
)(
('&-
- 0&) - ,
) -0
- ,
0 &
/
' ,
( 0
0&
. )*, $
(
-*
'
/
) , (' '
!
! 0&)
"
. )$ 0& !
0 &
/
' 0 0 )0
-
!
!
!!&
&)&0 ) ' (* & 0&( ) ' (*
(
.
- ( 0
'0
- )
/ 0&3
-10-
/ 0&
-
)&.
. )$ 0& !
' $
# .
,
* *0 ) ' (* 0 ! $
( . -
' $
()*
+ ,2
(& , 0 ' ' 0
) -0 0 &
(
/
&
(
/ 0&
&
)&. .
( . -
0 .
' $
(& , 0 '
()*
+, -
! $2
+#
0 '
('
&
/ 0&
)&.
.
/
/ 0&
! +& ,
0 '
)
) $ 0 )0
)&.
/ -
0 )(
) -0
.
-
-
-
. (
('
) -0
0& -
0 .
0 &
-*
'
(& , 0 ' .
.
+
/
&
.
)
,
(
)
) -0 0 &
($&'&' 0 )$ - .
) $4-
.
)
& 0&( .
-# . ), (&
-
.
) -0
/
0 &
/
(
! 0 )(
-
() - 0
0 &
2/
/ -
&
+
-
)& ( . -
!
,
() - 0 ' )0
-
0&) /
!
#
B
' ,5
(
-*
'
-&(& ! .
- . 0
!
)(
!
' $
0&
()*
+, -
( ' - ,
)
!(
! $#
' ,:
0&
# .
( ''
,0
2
# . , 0$
2
+# .
/ -
1*)
!
-
'2-
('&- - ,
' ,5- . 0
)&. "
0 &
-# 1 ' , 0 ' #
' , 63
-11-
' ,6
7 9
$ (4. $ ( /
-
! - . 0
('&- - ,
#
(
(
/
!
+#
!
-#
7 9
/
/ ()*
789
)
- . 0
0
!(
,
!
(
-
0 &
(
()*
+, -
! $2
! $#
('&- . -
(
-*
. , ('
!
$ ,
.
-
0
!
-*
'
.& , (
<
! 0- (
) 0&)
(
-*
'
0&
'
-*
0&
>
'
)
()*
+,
$&
>
'
(
+, -
$&
), (& ' .
-*
.& , (
)
()*
-*
!
) 0&)
!
' $
) 0&)
* *)
* *)
> 89
), (&#
- )
0
(
' $
.& , (
! )
), (&
0
!
! )
)
5 86
!
'
!
)
$
-+
-*
* *) 5 86
,
66
(
( '
0
'
!(
)
-
! )
$
)
> 89 - / 0 (
!
* *)
,
! $7
* *) 66
* *)
)0
-*
!
( 0
'$ 0 0 .
0&
- ,
#
) 0&)
3
-16-
) 0&)
- 0 0 .(
(
'
&,
), (& . -
0
!! ,
#
! ) ' 0 . *)
) 0&)
! )
-*
!
! 0 $& /
(
-*
'
.& , (
-*
'
-
!
) 0 $(
.
. 0
0 0 .(
- 0
& -
!(
- 0
!! ,
/
.
!& -
- ,
!
)
- @ ( )0
!! ,
'
)
- @ ( )0
'
)
5
!"#
.$" (
+" +$)
$% & ' (
+$",+ *
' & *
*$( ()! +! ( .$(' . + ( *
('#($
+$"*
,!
' & *
.$"$!#(#* ( . ' !#('
$($()
'$() ( ! .
0 " () ' (
*$*$(,
+ , -
$ ! .,(
.$" ( ((/
0$"0 )
*$(,(-,!! (
& . () (
$0
(! (
*$*,& ! (
!"#
' ( !$* *., ((/
*
!$"-
( $!#(#* '
' (
& (-,+
/ () ' 0,+, ! ( #&$
$% & ' (
' & * *$*."#',!
/ " ! + +$&
* *.,
( +$" $0,+ $ ()) . ' ) & " ((/
") ! , , (/ ' "
!"#
( +$&
*$*.$"&,
*$*.$"+
$% & ' (
' & * .$"$!#(#* ( (
! (
.$( 1 " (
$($()
+$&
#( & ( *,( *
*$(,(-,!! (
*$()
' .
*0 + ( 0 ! / () 0$" 2 + (+$"( & * ,.,( $! +$"( & $.$"+
.$! .$"*#' & (
" ()!
+
$& *
/ " ! + ' ( .$"+,*0,
!"
$0 ) ( .$"* (+
*$(',!,() + 0 &
$($()
*$*$(,
,*0$" ' /
.$!
* (,
.$"*#' & (
' ( .$*
!"#
" (
& *
$% &
' (
$($()
3
-2-
$($()
.$" (
$"+
' "
.$"0 (! ( (
' '#"#() ,(+,! *$( ()! +! ( .$(/$'
$ ())
0 " () ' (
' . + *$*0$" ! ( ( &
*$(',!,()
$(), + ( ' "
$*0 /
' & * *$()
* ! ,'
'
+
(
&! (
' & !,! (
.$( 1 " ( * ,.,( ' "
/ ()
*$() +,"
"$' +
!$1 - 0 (
+ ,
+$"+$(+, / () .$*$(,
$*0 /
((/
.$( 1 " (
.$(), + ( ' "
.$"* (+
) " .$& !,
!"#
$ ())
'
0 )
.$"* (+
(!
(
(
*,*
,(+,!
'$() ( .$" $(+
' & !,! (
.$(), + ( ' "
4
+ ,
.$( 1 " ( ' & !,! ( (+ " & ( 0$",. .$($"0 + (
*$(/ &,"! (
(/
"$' +
+ *0
+$"% . (/
.$(), + ( 0 ! ' "
,
(
.$"&, +$",
+ ,-
,(
!$+$(+, (
#( & *
$% "
0$"+
.
$
*. ()
' . (' () .$"&, ,(+,! *$& !,! (
( *$& &, .$(/$'
$% & ' (
$($()
(
(+, (
$!(
*$( ()! + !$* *., (
" .! ( ' . + *$*$(,
.$" / " + ( 0 (!
5
(+, (
$!(
' & !,! ( !$. '
!$) + ( ,
/ () ' & !,! ( #&$
.$"0 (! (
' "
) " &$0
!"#
/ () *,()! ( + *0,&
$ ())
#('
'
"$' +
$*0 /
+
+ ,
-,)
''
$*0 /
. '
( .$"0 (! (
(' ()6 (' ()
#*#"
"! ( . '
(
$% "
*$()$+
$% & ' (
$* ! ( +$"+ " ! ,(+,! *$*0$" ! (
) & " ((/
2 !+
+ ,
*
' .
('#($
-,)
, ' ( *$*
$($()
"$' +
+$"
(!
+$"*
,! "
.$"0 (! (
$*0 /
.#"+#2#& #
#( & +$",+ *
,(
7 +$(+ ()
!#
! (
(
"$& + 2 !$% &(/
(
*
"
"$' +
#
+ ,
$- ! ' +$"0 +! ((/
!"#
$% & ' (
$($()
(+,!3
-3-
(+,! *$(',!,() +$"% . (/
.$! !$. +,
(
(!
* ! ,' '
' ( *$() 1
' . !$+$(+, (
(!
' 1 - 0! ( ,(+,! *$(/, ,( ' ( *$& .#"! ( "$(% (
0 (
*$& .#"! ( "$ &
*,* +$"
+
.$(/ &," (
& .#" ( 0,& ( ( 0 (! ,*,*
' & * & .#" ( .,0& !
(!
-,)
+ ,
$0
.$" / " + (
' +$"0 +! (
*$*$(,
.$!
!$+$"0,!
(
+
' (
(
$ ,
+$"&$0
-,)
((/
& (-,+ !$. '
"$' + + , $*0 /
$(% (+,* ( !$+$(+, (6!$+$(+, ( +$" $0,+ '
,(+,!
' & *
' +$+ .! (
+$&
0 (!
(
! ( .$(% .
"$& !
/ ()
$*0 /
*$*.,0& !
& *$*0$" ! (
0$0$" .
!$+$(+, (6!$+$(+, (
$"+
/ () +$&
*,* / () 0$"
' $' ! (
"$' +
*,*
'$() (
'
' * ! ,'! (
*$*.$"*,'
' & *
.$(% " ( !$+$(+, ( / () +$"! + '$() ( .$() +," (
$% & ' (
,&,
!"#
$($()
&
,!,. -$&
&
/ +4 5
()
' * ! ,'
$*0 /
(
9
' 0$" ! ( !$. '
!"#
'$() (
' &
*$*0$" ! (
!"$' +
.$& !, ,
$% & ' (
8 "$' +
+ , .$*0 /
/ () *$*$(,
+ ,
( / ()
!" +$"
$($()
/ + 4 53
-4-
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
/ +4 5
,!,. -$&
,",2
()
' * ! ,'
(!
*,*9
*,*
0 (
' & *
'$() (
' &
8!$* *., (
!$* *., (
*$"$ &
! (
0 (! +$"! + .$*0$" (
$*0 /
(
'$() ( ,*0$" ' /
/ ()
(!
"$(% (
"$' + + ,
' $ , ! (
(!
,",2 0
,!,. -$&
,",2 %
,!,. -$&
,",2 '
,!,. -$&
,",2 $
,!,. -$&
,",2 2
,!,. -$&
/ + 4;5
,!,. -$&
& :3
-5-
&:
,",2
,!,. -$&
,",2 0
()
' * ! ,'
.$*0$" (
'$() (
"$' +
+ ,
8+ ' !
$*0 /
& () ,()9
(
#&$
' &
(!
*,* *$& &, ?
0 (! .$"!"$' + ( " !/ +@
0
0 (! .$*0 /
%
&$*0 )
( " !/ + / "
@' (
!$, () ( (#( 0 (! & ((/
' * ! ,' ' & * !$+$(+, (
*$() +," *$()$(
& <
/ () ' . + ' .$"
(!
$0 ) * (
('#($
/ ()
.$'#* ( .$(/, ,( ( & .#" (
0,& ( ( 0 (! ,*,* / +,
+,&
+ ,
#.$"
*. (
*1 & ' ( &$*0 ) 6&$*0 )
(- *
& ((/
* ! ( '$() ( +,
&
,!,. -$&
&;
,!,. -$&
&=
,!,. -$&
&>
(+, ( $!(
.$()$*0 () (
' 0$" ! ( #&$
!"#
(! ('#($
$% & ' (
,(+,! *$(',!,()
$($()
' & * " ()!
*$( ()! +! (3
-6-
*$( ()! +! ( ! .
+
$!#(#* ' $"
' (
+ , .$()$(' & (
(2&
&7
,",2
$($& + ( / () ' & !,! ( #&$
0$",.
.$($& + ( *$()$(
/ () ' 0 /
.#&
.$*0 /
0 (! ' ( !#*#' +
,()),& (
'
(! ('#($
!"#
$% &
(+ " & (
( !#*#' +
."#',! ' (
,
$($()
/ ()
*. ! ( !$. '
,",2 0
,!,. -$&
,",2 %
$(/$'
#
( (2#"*
(+ " & ( ' . + 0$",. . *$" (
&
.$(% (+,* (
,(+,! *$(' $* (
+ + +! ' (
(2#"*
!"#
$% & ' (
! (
& ((/
(2#"*
&6
' & *
& .$($& + (
+$"! + .$()$*0 () (
$($()
,",2 '
$) + ( 2
!$) + (
!"#
.$(/$'
&+
(+ " & ( !&
+$" (!,0 +#" 0 (
$",.
' & * " ()!
.$()$*0 () (
$% & ' (
(
$($()
+ ,
/ () ' . + ' ',!,() '$() (
" ( ."#',!
&A
/ +4 5
,",2
,!,. -$&
,",2 03
-7-
,",2 0
$*0 )
$*0 /
$($()
& ((/
' &
(
!"#
&$*0 )
$% &
!$, () ( (#( 0 (!
/ () *$(/$' ! ( .$*0 /
!"#
$% &
' (
0,& ( (
0 (!
(- *
( !$. '
$($()
' * ! ,' ' & * !$+$(+, (
*$() +," *$()$(
' (
$0 ) * (
(! ('#($
/ ()
.$'#* ( .$(/, ,( ( & .#" (
,*,*
+,&
/ +,
& <
#.$"
*1 &
&$*0 ) & ((/ / () ' .$"
*. (
' ( &$*0 ) 6
* ! ( '$() ( +,
,",2 %
$*0 )
$(/$'
*$(/$' ! (
.$*0 (
(
$($()
4
5
' &
-
.$(' *. () (
!$. '
+$"*
/ ()
&$*0 )
,!
' (
!"#
$+,)
' !##"' (
! (
$% &
$(/,&,
#&$
/ ()
+ ,
' (
. () (
!$*$(+$" (
+$"! +
,",2 '
,!,. -$&
/ +4 5
,!,. -$&
/ + 4:5
! & ( *$& .,+
!#( ,&+ ( +$( )
(+ "
&
& ( &$*0 )
.$(' ' ! (
+ , &$*0 ) & ((/
/ + 4 53
-8-
/ +4 5
,!,. -$&
&
/ +4 5
()
' * ! ,'
$*$(+$" (
$*$" (+
$*0 )
$"
$) + ( !$"+" +$)
'$() (
8.
!
$*$" (+
' ( &$*0 )
*
& (9
+ ,
(+ "
& (
#(
$*$(+$" (
#
& ((/
' & !,! ( ' & * 0$(+,! !$* +"
(+ " & ( *$& &, B#",*
4
#*,( !
##"' (
5
.$(/$'
(' + 0
$ 0$"
(
' (
*
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
&
/ +4 5
,!,. -$&
/ +4 5
() ' * ! ,' '$() ( 8!" +$"
"
# "$ &
+#+ &
"$' +
"$' +
+ ,
+ ,
+$"+$(+,9
$*0 /
$*0 /
(
(
.$"0 (! (
(+ "
& (
+$"
' .
' (
/ + 4:5
,!,. -$&
&
3
-9-
&
/ +4 5
(!
*,*
' * & ! (/
$($()
$& ( ' . + *$()),( ! ( ' +
*$()$(
.$& !,
/ () + ' !
*$(' . +
"$' +
*$()),( ! (
('#($
$' () ' (
+ ,
(+ "
!"#
$*0 /
& ( ' +
$*$(+$" ( ' (
$% &
' (
+ , 0$&,* .$"(
(
' . + -,)
/ () 0$"
(
/ ()
& ' "
(!
+$"! +
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
/ +4 5
,!,. -$&
& :
,!,. -$&
&
$() ( !$+$(+, ( (
$% &
' (
!$* *., (
/ "
$($()
(! 0 )
* !
+$"
(!
(/ 0$"& !, $& *
"
#
' .
$*0 /
+#+ &
*,*
4
+,5 +
(
$*0 /
/ "
' (
!"#
(
$ ,
(+
,(
& ;
,!,. -$&
& =
,!,. -$&
;:>7
$% &' $
#
. )
.
/
! '0) 0 ! ' - ,
'*
,
!
- ,
$%
#
()* ( + , -
0 )
'&(
-
& 0&(
'0)&(0&) . ) (* *
- ,
)
, . ),& .
! $
-&(& !
!
!
, ,& .
/
- )
. )
$% & 0&( 0 )+ .
/ .
/
( +,
- )
-
&' $
()*
()* ( + ,
!( 0
! $2
0 & .
&' $
'0)&(0&) . ) (* *
()* ( + , -
()*
!(
. )(& 0 . )
! $ - ,
0 & .
+#
,(
1, ' 2
( +, '*
! $
(
(' ' () - 0
( . -
!( 0
. )
! $
(
&' $
(' ' () - 0
( . -
. ),& .
.
&' $
!& 0
)
3
-2-
.
)
- ,
)
(
-
. )
!
!4
-
)
(
7
$&
#
$&
'
$&
)
! )
(
-*
'
-
!
-*
'
'
$&
)
! )
!
-
!
0
0
(
-*
0 &
/
-
!4
0 .
)
!(
+, -
! $2
$&
66
0
.& , (
0
-*
'
$ -
66: 7
66:
.& , (
* *)
!
-
)
! )
-*
8
7
.& , (
$
!
) 0&)
-*
!4
-
!
.& , (
$
* *) 856 92
$&
* *)
8 5 9
:
'
)
666
)
* *)
* *)
!
'
$
-*
-
'
*, $
( ' - ,
! )
0 , $ -&
!
$&)&1 +
* *) 5
0 , $ -&
!4
-
* *) 8
!
-
$&)&1
()*
.& , (
* *)
!
0&
)
-
'
) -0
!
'
!
) 0&)
' $
66
! )
-*
$&)&1
!
-*
. , (& &' $ 2
. )0
-
-
'
-
)
&
!
#
( . '0 '
0 .(
(
! ! 0"
!( 0(
(
('&- - ,
0
(
)- ' )(
. ),&
0
0 ( ' *, $
!(
.&
$%
-#
0&
666 0
0
!
! )
.& , (
;;
$
'
) .
* *) ;
* *) 8: 89
( ,
0 ) ($ )
$&
6
) 0 $
-
!4
!!
-
0
!3
-3-
-
!4
)&
$
$&
-
#
* *)
-&
0 '
666 0
-
!4
-*
'
-
!
0
!
6
!4
)
(
/ ) $ 7
-*
'
$&
)
! )
!4
' $
-
!
()*
! )
.& , (
$
-*
* *)
* *)
-*
< -
5
$
* *) 6; 92
: 0
0
$
* *) :;592
: 0
! $ 7
$&
! )
!
.& , (
6
$&
'
)
8
.& , (
'
-
-*
* *)
! )
* *)
.& , (
!
! )
'
)
0
'
$&
:
+,
!
-*
* *)
.& , (
: 0
-
)
-
-
!
!4
(
7
! )
-
$&
-
$&
)
8#
!
:
.& , (
0
!
)
* *) 68
-*
'
* *) :;;92
"
0 .(
"
#
3
-4-
' ,
,
) 0&)
#
(
&
'
(
!4
- , $
-
!
!
-
/
-
!
(
.&)
(
.&)
!
)( -&-&(
-*
8#
0
( /
('&- !
$&
-
!4
/ ) $ '
!
:0
( /
0
-
!
0
('&- - ,
0
!
!
$&
"
-
66
!
!
!
!
)
(
* *)
$&
-
('&- - ,
)
(
)( -&-&(
/ ) $
- ,& )
! )
#
(/
'
! ) ,&
0
!
)
-*
'
!
! --)(
(-
&,
!
)&
(
-
-
, ( *, $
-*
'
), (& /
$
-
. -
'
(* .*' ' .
)( -&-&(
-
-
,& )
/
-
!4
&,
!
! ' $
! )
!0 , $
!4
!
0
(
-
!
* *) 5
), (& /
'$
-
( -
' #
* *) 5
!
5
66: 0
(
) -0 - , $
-
'
$-
&' $
0
) 0&)
0 0 .
&
- ,& )
$&
66
(
- , $
. )*, $ =
$&
!-
* *)
0*) +
* *)
/
&
'&( (
#
(
!4
'
* *)
0 , $-&
66: -
0 )
-*
) -0'
$&
-
66
!4
-
!
0
!
0
!
* *)
)
('&- - ,
(
$&
'
-
!
!4
-
!
0 , $-&
$
66:#
#
/
3
-5-
#
/
'
)- ' )(
!
-
:0
>#
0
!
' $
-
0 &
(
0
-
&' $
!
' $
. )*)
()*
,( ( ( /
.&,&$ 9
)$ 0& !
& !
0 &
/
/
. , ! )
- $
A 7-&
9#
' ) / . )'
'
!
) -0
) -0 0 &
!
-
0 ' .
)
('&- . -
& 0&( ' ,&)&$ (
0*)
(
) -0 0 &
/
/ 0 7 9 - , (&(
' + )
& #
' ,8
)
'
) -0
!
# ,
-
0 &
('&- - ,
!'& ! ( . -
# 0- ( ,
-
/
' ,
' $
!'& !
*, $
()*
- , (&(
0 &.
/
)'
&
' + ) "
+, -
, ,& ( )< '
(
! $2 -
.*,
0 &
.*,
7' - ( ' 9#
' ,
&$
'
( % <
!
( /
( 0
0&
#
) -0
!
.
('&- - ,
)( -&-&(
'
)
!
' ,
- ,& )
-
0 &
/
' , 8
! ) -
! (
(
0*) +
.&)
!
), (&
) (&0"
0 &
- . )$ 0& !(
) -0
/
'
!
& 0&( .)*-&(
) -0 0 &
('.*)
/
*
! ' - . 0
2
#.
)
3
-9-
# .
)
) -0
,
!'& ! -
0 &
/
- . 0 - , (&(
0 &0- (,
!'& !
, ,& ( )< '
' + )
.*,
' ,>
,
)(
-
('&- - ,
( 0
0&
(
+
' '
# )
# , .*)
-*
'
'
(
/
!
&
'
% <
! 0&)
!
). -*
!
. -
"
(2
!
' )0 , .*)
.& , ( ' 0) %&,
0 )0
-
&,
( & &
0&2
1*)
' -
'
1*)
'. )
/
(& & 2
( &
-# ' '0
0 &
' ,
&,
+# , .*)
# 0)
) -0
0&)2
' .)*-&(
( -
.
!!&
- 0
.)
-
$#
' ,;
(
'
!
'
!
!
# . -*
) -0
&
/
-
!
)(
('&-
- 0&) - ,
) -0
- ,
0 &
/
' ,
( 0
0&
. )*, $
(
-*
'
/
) , (' '
!
! 0&)
"
. )$ 0& !
0 &
/
' 0 0 )0
-
!
!
!!&
&)&0 ) ' (* & 0&( ) ' (*
(
.
- ( 0
'0
- )
/ 0&3
-10-
/ 0&
-
)&.
. )$ 0& !
' $
# .
,
* *0 ) ' (* 0 ! $
( . -
' $
()*
+ ,2
(& , 0 ' ' 0
) -0 0 &
(
/
&
(
/ 0&
&
)&. .
( . -
0 .
' $
(& , 0 '
()*
+, -
! $2
+#
0 '
('
&
/ 0&
)&.
.
/
/ 0&
! +& ,
0 '
)
) $ 0 )0
)&.
/ -
0 )(
) -0
.
-
-
-
. (
('
) -0
0& -
0 .
0 &
-*
'
(& , 0 ' .
.
+
/
&
.
)
,
(
)
) -0 0 &
($&'&' 0 )$ - .
) $4-
.
)
& 0&( .
-# . ), (&
-
.
) -0
/
0 &
/
(
! 0 )(
-
() - 0
0 &
2/
/ -
&
+
-
)& ( . -
!
,
() - 0 ' )0
-
0&) /
!
#
B
' ,5
(
-*
'
-&(& ! .
- . 0
!
)(
!
' $
0&
()*
+, -
( ' - ,
)
!(
! $#
' ,:
0&
# .
( ''
,0
2
# . , 0$
2
+# .
/ -
1*)
!
-
'2-
('&- - ,
' ,5- . 0
)&. "
0 &
-# 1 ' , 0 ' #
' , 63
-11-
' ,6
7 9
$ (4. $ ( /
-
! - . 0
('&- - ,
#
(
(
/
!
+#
!
-#
7 9
/
/ ()*
789
)
- . 0
0
!(
,
!
(
-
0 &
(
()*
+, -
! $2
! $#
('&- . -
(
-*
. , ('
!
$ ,
.
-
0
!
-*
'
.& , (
<
! 0- (
) 0&)
(
-*
'
0&
'
-*
0&
>
'
)
()*
+,
$&
>
'
(
+, -
$&
), (& ' .
-*
.& , (
)
()*
-*
!
) 0&)
!
' $
) 0&)
* *)
* *)
> 89
), (&#
- )
0
(
' $
.& , (
! )
), (&
0
!
! )
)
5 86
!
'
!
)
$
-+
-*
* *) 5 86
,
66
(
( '
0
'
!(
)
-
! )
$
)
> 89 - / 0 (
!
* *)
,
! $7
* *) 66
* *)
)0
-*
!
( 0
'$ 0 0 .
0&
- ,
#
) 0&)
3
-16-
) 0&)
- 0 0 .(
(
'
&,
), (& . -
0
!! ,
#
! ) ' 0 . *)
) 0&)
! )
-*
!
! 0 $& /
(
-*
'
.& , (
-*
'
-
!
) 0 $(
.
. 0
0 0 .(
- 0
& -
!(
- 0
!! ,
/
.
!& -
- ,
!
)
- @ ( )0
!! ,
'
)
- @ ( )0
'
)
5
!"#
.$" (
+" +$)
$% & ' (
+$",+ *
' & *
*$( ()! +! ( .$(' . + ( *
('#($
+$"*
,!
' & *
.$"$!#(#* ( . ' !#('
$($()
'$() ( ! .
0 " () ' (
*$*$(,
+ , -
$ ! .,(
.$" ( ((/
0$"0 )
*$(,(-,!! (
& . () (
$0
(! (
*$*,& ! (
!"#
' ( !$* *., ((/
*
!$"-
( $!#(#* '
' (
& (-,+
/ () ' 0,+, ! ( #&$
$% & ' (
' & * *$*."#',!
/ " ! + +$&
* *.,
( +$" $0,+ $ ()) . ' ) & " ((/
") ! , , (/ ' "
!"#
( +$&
*$*.$"&,
*$*.$"+
$% & ' (
' & * .$"$!#(#* ( (
! (
.$( 1 " (
$($()
+$&
#( & ( *,( *
*$(,(-,!! (
*$()
' .
*0 + ( 0 ! / () 0$" 2 + (+$"( & * ,.,( $! +$"( & $.$"+
.$! .$"*#' & (
" ()!
+
$& *
/ " ! + ' ( .$"+,*0,
!"
$0 ) ( .$"* (+
*$(',!,() + 0 &
$($()
*$*$(,
,*0$" ' /
.$!
* (,
.$"*#' & (
' ( .$*
!"#
" (
& *
$% &
' (
$($()
3
-2-
$($()
.$" (
$"+
' "
.$"0 (! ( (
' '#"#() ,(+,! *$( ()! +! ( .$(/$'
$ ())
0 " () ' (
' . + *$*0$" ! ( ( &
*$(',!,()
$(), + ( ' "
$*0 /
' & * *$()
* ! ,'
'
+
(
&! (
' & !,! (
.$( 1 " ( * ,.,( ' "
/ ()
*$() +,"
"$' +
!$1 - 0 (
+ ,
+$"+$(+, / () .$*$(,
$*0 /
((/
.$( 1 " (
.$(), + ( ' "
.$"* (+
) " .$& !,
!"#
$ ())
'
0 )
.$"* (+
(!
(
(
*,*
,(+,!
'$() ( .$" $(+
' & !,! (
.$(), + ( ' "
4
+ ,
.$( 1 " ( ' & !,! ( (+ " & ( 0$",. .$($"0 + (
*$(/ &,"! (
(/
"$' +
+ *0
+$"% . (/
.$(), + ( 0 ! ' "
,
(
.$"&, +$",
+ ,-
,(
!$+$(+, (
#( & *
$% "
0$"+
.
$
*. ()
' . (' () .$"&, ,(+,! *$& !,! (
( *$& &, .$(/$'
$% & ' (
$($()
(
(+, (
$!(
*$( ()! + !$* *., (
" .! ( ' . + *$*$(,
.$" / " + ( 0 (!
5
(+, (
$!(
' & !,! ( !$. '
!$) + ( ,
/ () ' & !,! ( #&$
.$"0 (! (
' "
) " &$0
!"#
/ () *,()! ( + *0,&
$ ())
#('
'
"$' +
$*0 /
+
+ ,
-,)
''
$*0 /
. '
( .$"0 (! (
(' ()6 (' ()
#*#"
"! ( . '
(
$% "
*$()$+
$% & ' (
$* ! ( +$"+ " ! ,(+,! *$*0$" ! (
) & " ((/
2 !+
+ ,
*
' .
('#($
-,)
, ' ( *$*
$($()
"$' +
+$"
(!
+$"*
,! "
.$"0 (! (
$*0 /
.#"+#2#& #
#( & +$",+ *
,(
7 +$(+ ()
!#
! (
(
"$& + 2 !$% &(/
(
*
"
"$' +
#
+ ,
$- ! ' +$"0 +! ((/
!"#
$% & ' (
$($()
(+,!3
-3-
(+,! *$(',!,() +$"% . (/
.$! !$. +,
(
(!
* ! ,' '
' ( *$() 1
' . !$+$(+, (
(!
' 1 - 0! ( ,(+,! *$(/, ,( ' ( *$& .#"! ( "$(% (
0 (
*$& .#"! ( "$ &
*,* +$"
+
.$(/ &," (
& .#" ( 0,& ( ( 0 (! ,*,*
' & * & .#" ( .,0& !
(!
-,)
+ ,
$0
.$" / " + (
' +$"0 +! (
*$*$(,
.$!
!$+$"0,!
(
+
' (
(
$ ,
+$"&$0
-,)
((/
& (-,+ !$. '
"$' + + , $*0 /
$(% (+,* ( !$+$(+, (6!$+$(+, ( +$" $0,+ '
,(+,!
' & *
' +$+ .! (
+$&
0 (!
(
! ( .$(% .
"$& !
/ ()
$*0 /
*$*.,0& !
& *$*0$" ! (
0$0$" .
!$+$(+, (6!$+$(+, (
$"+
/ () +$&
*,* / () 0$"
' $' ! (
"$' +
*,*
'$() (
'
' * ! ,'! (
*$*.$"*,'
' & *
.$(% " ( !$+$(+, ( / () +$"! + '$() ( .$() +," (
$% & ' (
,&,
!"#
$($()
&
,!,. -$&
&
/ +4 5
()
' * ! ,'
$*0 /
(
9
' 0$" ! ( !$. '
!"#
'$() (
' &
*$*0$" ! (
!"$' +
.$& !, ,
$% & ' (
8 "$' +
+ , .$*0 /
/ () *$*$(,
+ ,
( / ()
!" +$"
$($()
/ + 4 53
-4-
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
/ +4 5
,!,. -$&
,",2
()
' * ! ,'
(!
*,*9
*,*
0 (
' & *
'$() (
' &
8!$* *., (
!$* *., (
*$"$ &
! (
0 (! +$"! + .$*0$" (
$*0 /
(
'$() ( ,*0$" ' /
/ ()
(!
"$(% (
"$' + + ,
' $ , ! (
(!
,",2 0
,!,. -$&
,",2 %
,!,. -$&
,",2 '
,!,. -$&
,",2 $
,!,. -$&
,",2 2
,!,. -$&
/ + 4;5
,!,. -$&
& :3
-5-
&:
,",2
,!,. -$&
,",2 0
()
' * ! ,'
.$*0$" (
'$() (
"$' +
+ ,
8+ ' !
$*0 /
& () ,()9
(
#&$
' &
(!
*,* *$& &, ?
0 (! .$"!"$' + ( " !/ +@
0
0 (! .$*0 /
%
&$*0 )
( " !/ + / "
@' (
!$, () ( (#( 0 (! & ((/
' * ! ,' ' & * !$+$(+, (
*$() +," *$()$(
& <
/ () ' . + ' .$"
(!
$0 ) * (
('#($
/ ()
.$'#* ( .$(/, ,( ( & .#" (
0,& ( ( 0 (! ,*,* / +,
+,&
+ ,
#.$"
*. (
*1 & ' ( &$*0 ) 6&$*0 )
(- *
& ((/
* ! ( '$() ( +,
&
,!,. -$&
&;
,!,. -$&
&=
,!,. -$&
&>
(+, ( $!(
.$()$*0 () (
' 0$" ! ( #&$
!"#
(! ('#($
$% & ' (
,(+,! *$(',!,()
$($()
' & * " ()!
*$( ()! +! (3
-6-
*$( ()! +! ( ! .
+
$!#(#* ' $"
' (
+ , .$()$(' & (
(2&
&7
,",2
$($& + ( / () ' & !,! ( #&$
0$",.
.$($& + ( *$()$(
/ () ' 0 /
.#&
.$*0 /
0 (! ' ( !#*#' +
,()),& (
'
(! ('#($
!"#
$% &
(+ " & (
( !#*#' +
."#',! ' (
,
$($()
/ ()
*. ! ( !$. '
,",2 0
,!,. -$&
,",2 %
$(/$'
#
( (2#"*
(+ " & ( ' . + 0$",. . *$" (
&
.$(% (+,* (
,(+,! *$(' $* (
+ + +! ' (
(2#"*
!"#
$% & ' (
! (
& ((/
(2#"*
&6
' & *
& .$($& + (
+$"! + .$()$*0 () (
$($()
,",2 '
$) + ( 2
!$) + (
!"#
.$(/$'
&+
(+ " & ( !&
+$" (!,0 +#" 0 (
$",.
' & * " ()!
.$()$*0 () (
$% & ' (
(
$($()
+ ,
/ () ' . + ' ',!,() '$() (
" ( ."#',!
&A
/ +4 5
,",2
,!,. -$&
,",2 03
-7-
,",2 0
$*0 )
$*0 /
$($()
& ((/
' &
(
!"#
&$*0 )
$% &
!$, () ( (#( 0 (!
/ () *$(/$' ! ( .$*0 /
!"#
$% &
' (
0,& ( (
0 (!
(- *
( !$. '
$($()
' * ! ,' ' & * !$+$(+, (
*$() +," *$()$(
' (
$0 ) * (
(! ('#($
/ ()
.$'#* ( .$(/, ,( ( & .#" (
,*,*
+,&
/ +,
& <
#.$"
*1 &
&$*0 ) & ((/ / () ' .$"
*. (
' ( &$*0 ) 6
* ! ( '$() ( +,
,",2 %
$*0 )
$(/$'
*$(/$' ! (
.$*0 (
(
$($()
4
5
' &
-
.$(' *. () (
!$. '
+$"*
/ ()
&$*0 )
,!
' (
!"#
$+,)
' !##"' (
! (
$% &
$(/,&,
#&$
/ ()
+ ,
' (
. () (
!$*$(+$" (
+$"! +
,",2 '
,!,. -$&
/ +4 5
,!,. -$&
/ + 4:5
! & ( *$& .,+
!#( ,&+ ( +$( )
(+ "
&
& ( &$*0 )
.$(' ' ! (
+ , &$*0 ) & ((/
/ + 4 53
-8-
/ +4 5
,!,. -$&
&
/ +4 5
()
' * ! ,'
$*$(+$" (
$*$" (+
$*0 )
$"
$) + ( !$"+" +$)
'$() (
8.
!
$*$" (+
' ( &$*0 )
*
& (9
+ ,
(+ "
& (
#(
$*$(+$" (
#
& ((/
' & !,! ( ' & * 0$(+,! !$* +"
(+ " & ( *$& &, B#",*
4
#*,( !
##"' (
5
.$(/$'
(' + 0
$ 0$"
(
' (
*
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
&
/ +4 5
,!,. -$&
/ +4 5
() ' * ! ,' '$() ( 8!" +$"
"
# "$ &
+#+ &
"$' +
"$' +
+ ,
+ ,
+$"+$(+,9
$*0 /
$*0 /
(
(
.$"0 (! (
(+ "
& (
+$"
' .
' (
/ + 4:5
,!,. -$&
&
3
-9-
&
/ +4 5
(!
*,*
' * & ! (/
$($()
$& ( ' . + *$()),( ! ( ' +
*$()$(
.$& !,
/ () + ' !
*$(' . +
"$' +
*$()),( ! (
('#($
$' () ' (
+ ,
(+ "
!"#
$*0 /
& ( ' +
$*$(+$" ( ' (
$% &
' (
+ , 0$&,* .$"(
(
' . + -,)
/ () 0$"
(
/ ()
& ' "
(!
+$"! +
/ +4 5
,!,. -$&
/ + 4:5
,!,. -$&
/ +4 5
,!,. -$&
& :
,!,. -$&
&
$() ( !$+$(+, ( (
$% &
' (
!$* *., (
/ "
$($()
(! 0 )
* !
+$"
(!
(/ 0$"& !, $& *
"
#
' .
$*0 /
+#+ &
*,*
4
+,5 +
(
$*0 /
/ "
' (
!"#
(
$ ,
(+
,(
& ;
,!,. -$&
& =
,!,. -$&
;:>7