III. Penyertaan saham (lanjutan) Investments in shares (continued) Penyertaan lainnya merupakan penyertaan
11. DERIVATIVES RECEIVABLE AND PAYABLE (continued)
a. Berdasarkan jenis, mata uang dan pihak berelasi (lanjutan)
a. By type, currency and related party (continued)
31 Desember/December 31, 2014
Nilai notional
(kontrak) (ekuivalen
dengan Rp)/
Notional amount Tagihan Liabilitas
(contract) derivatif/ derivatif/
(equivalent Derivatives Derivatives
to Rp) receivable payable
Terkait dengan kontrak Related to exchange rate
nilai tukar contracts
Pihak berelasi (Catatan 43) Related parties (Note 43)
Forward Forward
Dolar Amerika Serikat 105.273 1.371 - United States Dollar
Pihak ketiga Third parties
Forward Forward
Dolar Amerika Serikat 2.489.226 21.214 52.090 United States Dollar
Mata uang asing lainnya 171.852 1.591 1.658 Other foreign currencies
Swap Swap
Dolar Amerika Serikat 10.683.549 53.976 13.798 United States Dollar
Mata uang asing lainnya 2.913 - 24 Other foreign currencies
13.347.540 76.781 67.570
Terkait dengan suku bunga Related to interest rate
Pihak berelasi (Catatan 43) Related parties (Note 43)
Swap Swap
Dolar Amerika Serikat 2.238.931 3.339 6.780 United States Dollar
Pihak ketiga Third parties
Swap Swap
Dolar Amerika Serikat 2.182.855 21.424 59 United States Dollar
Terkait dengan kontrak Related to exchange rate
nilai tukar dan suku bunga contracts and interest rate
Pihak ketiga Third parties
Swap Swap
Dolar Amerika Serikat 1.341.417 103.081 147.550 United States Dollar
Mata uang asing lainnya 145.056 - 2.139 Other foreign currencies
1.486.473 103.081 149.689
Jumlah 19.361.072 205.996 224.098 Total
Dikurangi: cadangan Less: Allowance for impairment
kerugian penurunan nilai (517) losses
205.479
Informasi mengenai transaksi dengan pihak berelasi dan jatuh tempo diungkapkan pada Catatan 43 dan 53.
Information on related parties and maturities are disclosed in Notes 43 and 53.
102
(lanjutan) (continued)
a. Berdasarkan jenis, mata uang dan pihak berelasi (lanjutan)
a. By type, currency and related party (continued)
Bank memiliki transaksi kontrak valuta berjangka pertukaran mata uang asing dan suku bunga dengan beberapa bank asing dan debitur untuk pengelolaan likuiditas dan menghadapi risiko perubahan suku bunga atas aset dan liabilitas Bank. Berdasarkan perjanjian ini, Bank wajib membayar pokok pinjaman beserta bunga dengan suku bunga mengambang atau tetap. Bunga dibayarkan dalam mata uang Rupiah dan USD setiap enam bulan, tiga bulan, dan satu bulan sampai dengan tanggal jatuh tempo. Per tanggal 31 Desember 2015 dan 2014 transaksi kontrak valuta berjangka pertukaran mata uang asing dan suku bunga tersebut masing-masing akan jatuh tempo dari tanggal 8 April 2016 sampai dengan 23 Desember 2020 dan tanggal 12 April 2015 sampai dengan 4 November 2017.
The Bank has outstanding cross currency swap transaction with several foreign banks and debtors for liquidity management and to cover the interest rate fluctuation as part of asset and liabilities management of the Bank.
Based on the agreement, the Bank should pay principal and variable or fixed interest rate. The interest is paid in Rupiah and USD currencies on a semester, quarterly, and monthly basis until maturity date. As of December 31, 2015 and 2014 the cross currency and interest rate swap transactions will mature from April 8, 2016 until December 23, 2020 and April 12, 2015 until November 4, 2017, respectively.
Bank memiliki transaksi kontrak pertukaran suku bunga dengan beberapa bank asing tertentu untuk pengelolaan risiko perubahan suku bunga atas aset dan liabilitas Bank.
Berdasarkan perjanjian ini, Bank wajib membayar bunga mengambang setiap enam bulan, tiga bulan, dan satu bulan hingga tanggal jatuh tempo. Per tanggal 31 Desember 2015 dan 2014, transaksi kontrak pertukaran suku bunga tersebut masing-masing akan jatuh tempo dari tanggal yang berkisar 25 April 2016 sampai dengan 23 Desember 2020 dan 25 April 2016 sampai dengan 27 Oktober 2019.
The Bank has outstanding interest rate swap transaction with several banks for liquidity management and to cover the interest rate fluctuation as part of asset and liabilities management of the Bank. Based on the agreement, the Bank should pay variable interest rate on semester, quarterly, and monthly basis until maturity date. As of December 31, 2015 and 2014, interest rate swap transactions will mature from April 25, 2016 until December 23, 2020 and April 25, 2016 until October 27, 2019, respectively.
b. Berdasarkan jatuh tempo b. By maturity Per 31 Desember 2015 dan 2014 jangka waktu
kontrak forward mata uang asing masing-masing adalah antara 7 - 375 hari dan 14 - 735 hari, jangka waktu kontrak swap mata uang asing masing-masing adalah antara 5 - 371 hari dan 5 - 371 hari.
As of December 31, 2015 and 2014, the tenure of the forward foreign currency contracts were between 7 - 375 days and 14 - 735 days, foreign currency swaps were between 5 - 371 days and between 5 - 371 days.
c. Berdasarkan kolektibilitas c. By collectibility
31 Desember/December 31
2015 2014
Klasifikasi Classifications
Lancar 349.294 195.648 Current
Dalam perhatian khusus - 10.348 Special mention
Macet 4.047 - Loss
Saldo akhir 353.341 205.996 Ending balance
11. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan)
11. DERIVATIVES RECEIVABLE AND PAYABLE (continued)
d. Cadangan kerugian penurunan nilai d. Allowance for impairment losses Perubahan cadangan kerugian penurunan nilai
sebagai berikut:
The changes in allowance for impairment losses were as follows:
31 Desember/ 31 Desember/
December 31, 2015 December 31, 2014
Saldo awal 517 - Beginning balance
Penyisihan selama tahun Provision during the
berjalan (Catatan 37) 3.286 519 year (Note 37)
Selisih akibat perbedaan kurs 244 (2) Exchange rate differences
Saldo akhir 4.047 517 Ending balance
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai telah memadai.
Management believes that the allowance for impairment losses is adequate.
e. Suku bunga kontraktual e. Contractual interest rate
31 Desember/December 31
2015 2014
Mata uang asing Foreign currencies
Yang akan dibayar To be paid
1M Libor+567 - 1M Libor+525 -
Suku bunga mengambang 3M Libor +600 3M Libor +600 Variable interest rate
Suku bunga tetap 0,61% - 7,01% 0,61% - 7,01% Fixed interest rate
Yang akan diterima To be received
1M Libor+575 - 1M Libor+575 -
Suku bunga mengambang 6M Libor 6M Libor Variable interest rate
Suku bunga tetap 2,61% - 7,85% - Fixed interest rate
Swap Suku Bunga dan Mata Uang Cross currency rate Swap
Rupiah Rupiah
Yang akan dibayar To be paid
Suku bunga tetap 8,75% - 10,75% 9,00% - 10,75% Fixed interest rate
Yang akan diterima To be received
Suku bunga tetap 5,70% - 9,65% 5,40% - 9,56% Fixed interest rate
Mata uang asing Foreign currencies
Yang akan dibayar To be paid
3M Libor+150 - 3M Libor+185 -
Suku bunga mengambang 6M Libor 6M Libor Variable interest rate
Yang akan diterima To be received
Suku bunga mengambang 6M Libor - Variable interest rate
Suku bunga tetap 2,90% - 7,00% - Fixed interest rate
104
(lanjutan) (continued)
e. Suku bunga kontraktual (lanjutan) e. Contractual interest rate (continued) Pertukaran tingkat suku bunga dan mata uang
dilakukan setiap bulanan, kuartalan, dan semesteran.
The interest rate and currency exchanges are exercised on a monthly, quarterly, and semi annually.
Pada tanggal 31 Desember 2015 dan 2014 jangka waktu kontrak swap suku bunga berkisar antara 2 - 5 tahun. Pada tanggal 31 Desember 2015 dan 2014, sisa jangka waktu kontrak dari swap suku bunga dan swap suku bunga dan mata uang berkisar antara 1 sampai 5 tahun dan 2 sampai 5 tahun.
As of December 31, 2015 and 2014, the contract period of interest rate swaps ranged from 2 to 5 years. As of December 31, 2015 and 2014, the remaining contract period of cross currency rate swap ranged from 1 to 5 years and 2 to 5 years.
12. KREDIT YANG DIBERIKAN DAN