III. Penyertaan saham Investments in shares
10. KREDIT YANG DIBERIKAN (lanjutan) LOANS (continued)
a. Berdasarkan jenis, mata uang dan kolektibilitas (lanjutan)
a. By type, currency and collectibility (continued)
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Korporasi 5.679.127 64.510 - - 96.601 5.840.238 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 13.579.988 60.878 8.919 24.055 306.724 13.980.564 Commercial UKM 5.299.195 45.343 5.381 13.546 105.331 5.468.796 SME Lain-lain 305.704 - - - - 305.704 Others Konsumen
Kredit Kendaraan Consumer
Bermotor 9.316.567 1.709.006 59.740 84.343 40.807 11.210.463 Auto loans Kredit Pemilikan Rumah (KPR) 6.630.420 187.996 5.077 7.153 19.784 6.850.430 Mortgage (KPR) Kartu kredit 1.482.792 114.554 18.071 35.266 - 1.650.683 Credit card Home equity loans (Maxima) 791.952 26.253 476 441 2.452 821.574 Home equity loans (Maxima) Pinjaman karyawan 395.001 1.109 - - - 396.110 Employee loans Pinjaman tanpa agunan (PITA) 104.497 3.308 347 982 105 109.239 Unsecured loans (PITA) Pinjaman pendidikan 10 2 - - 42 54 Student loans Lain-lain 1.292 16 5 3 13 1.329 Others Syariah 329.885 3.644 2.906 622 22.941 359.998 Sharia
43.916.430
2.216.619 100.922 166.411 594.800 46.995.182
Mata uang asing Foreign currencies
Korporasi 11.230.775 15.965 - - 181.350 11.428.090 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 3.717.467 1.855 45.899 - 203.766 3.968.987 Commercial UKM 390.665 1.585 - - 1.913 394.163 SME
Konsumen Consumer
Lain-lain 31 - - - - 31 Others Syariah 21.463 - - - - 21.463 Sharia
15.360.401
19.405 45.899 - 387.029 15.812.734
Jumlah 59.276.831 2.236.024 146.821 166.411 981.829 62.807.916 Total
Dikurangi: Less:
Penyisihan kerugian Allowance for
penurunan nilai (1.116.677) impairment losses
61.691.239 8010000
(Diaudit/Audited ) 31 Desember/December 31, 2011
Per 31 Maret 2012 dan 31 Desember 2011, rasio kredit kepada Usaha Mikro Kecil terhadap kredit yang diberikan sesuai dengan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011 masing-masing sebesar 0,77% dan 0,83%.
As of March 31, 2012 and 31 December 31, 2011, the ratio of micro business loans to loans in accordance with Bank Indonesia Circular Letter No. 13/30/DPNP dated December 16, 2011 was 0.77% and 0.83%, respectively.
Informasi mengenai transaksi dengan pihak berelasi dan jatuh tempo diungkapkan pada Catatan 41 dan 52.
Information in respect of related parties and maturities is disclosed in Notes 41 and 52.
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
b. Jaminan kredit b. Loan collateral
Jaminan pemberian kredit adalah tanah, bangunan, saham, deposito berjangka (Catatan 17), mesin dan persediaan.
Loan collateral is in the form of land, buildings, shares of stock, time deposits (Note 17), machinery and inventories.
Pada tanggal 31 Maret 2012 dan 31 Desember 2011, jumlah kredit yang diberikan yang dijamin dengan deposito berjangka adalah masing-masing sebesar Rp3.566.823 dan Rp3.598.739.
As of March 31, 2012 and December 31, 2011, total loans which were secured by time deposits amounted to Rp3,566,823 and Rp3,598,739.
c. Berdasarkan sektor ekonomi c. By economic sector Klasifikasi kredit berdasarkan sektor ekonomi
adalah sebagai berikut:
Loans classified by economic sector are as follows:
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Pertanian dan perburuan 763.555 1.921 - 75 7.482 773.033 Agriculture and forestry Pertambangan 469.505 1.092 - - 65.681 536.278 Mining Perindustrian 5.461.180 27.118 - - 169.027 5.657.325 Manufacturing Listrik, gas dan air 851.670 - - - - 851.670 Electricity, gas and water Konstruksi 1.755.063 12.852 43 395 67.553 1.835.906 Construction Perdagangan, restoran
dan hotel 10.704.693 67.152 1.393 16.325 121.108 10.910.671 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.032.039 11.885 1.333 2.185 91.141 1.138.583 and communication Jasa-jasa dunia usaha 5.515.600 94.201 8.686 - 8.235 5.626.722 Business services Jasa-jasa sosial/masyarakat 448.789 1.471 - - 4.678 454.938 Social/public services Lain-lain 19.458.819 2.339.985 83.947 122.631 67.116 22.072.498 Others
46.460.913
2.557.677 95.402 141.611 602.021 49.857.624
Mata uang asing Foreign currencies
Pertanian dan perburuan 2.136.148 - - - - 2.136.148 Agriculture and forestry Pertambangan 1.219.727 - - - - 1.219.727 Mining Perindustrian 2.230.242 - - - 153.688 2.383.930 Manufacturing Listrik, gas dan air 1.691.099 - - - - 1.691.099 Electricity, gas and water Konstruksi 367.935 - - - - 367.935 Construction Perdagangan, restoran
dan hotel 2.753.882 155.942 - - 11.430 2.921.254 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 3.136.276 - - - 268.697 3.404.973 and communication Jasa-jasa dunia usaha 1.608.077 - - - - 1.608.077 Business services Jasa-jasa sosial/masyarakat 41.976 - - - - 41.976 Social/public services Lain-lain 25 - - - 194 219 Others
15.185.387
155.942 - - 434.009 15.775.338
Jumlah 61.646.300 2.713.619 95.402 141.611 1.036.030 65.632.962 Total
Dikurangi: Penyisihan Less: Allowance for
kerugian penurunan nilai (1.091.508) impairment losses
64.541.454 (Tidak Diaudit/Unaudited )
31 Maret/March 31, 2012
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
c. Berdasarkan sektor ekonomi (lanjutan) c. By economic sector (continued)
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Pertanian dan perburuan 821.048 2.576 107 - 7.482 831.213 Agriculture and forestry Pertambangan 530.625 4.562 - - 66.257 601.444 Mining Perindustrian 4.849.490 3.088 926 18.528 172.379 5.044.411 Manufacturing Listrik, gas dan air 87.269 - - - - 87.269 Electricity, gas and water Konstruksi 1.725.617 16.514 4.906 3.775 62.610 1.813.422 Construction Perdagangan, restoran
dan hotel 10.442.894 36.698 8.060 6.305 116.246 10.610.203 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.089.906 6.763 2.729 - 89.015 1.188.413 and communication Jasa-jasa dunia usaha 4.532.008 95.533 480 8.994 12.464 4.649.479 Business services Jasa-jasa sosial/masyarakat 711.198 4.732 - - 4.693 720.623 Social/public services Lain-lain 19.126.375 2.046.153 83.714 128.809 63.654 21.448.705 Others
43.916.430
2.216.619 100.922 166.411 594.800 46.995.182
Mata uang asing Foreign currencies
Pertanian dan perburuan 1.639.153 - - - - 1.639.153 Agriculture and forestry Pertambangan 1.924.706 - - - - 1.924.706 Mining Perindustrian 2.936.641 - 45.899 - 106.503 3.089.043 Manufacturing Listrik, gas dan air 2.270.387 - - - - 2.270.387 Electricity, gas and water Konstruksi 215.697 1.855 - - - 217.552 Construction Perdagangan, restoran
dan hotel 1.972.944 15.965 - - 13.248 2.002.157 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 3.106.002 - - - 267.084 3.373.086 and communication Jasa-jasa dunia usaha 1.002.181 1.585 - - - 1.003.766 Business services Jasa-jasa sosial/masyarakat 292.659 - - - - 292.659 Social/public services Lain-lain 31 - - - 194 225 Others
15.360.401
19.405 45.899 - 387.029 15.812.734
Jumlah 59.276.831 2.236.024 146.821 166.411 981.829 62.807.916 Total
Dikurangi: Less:
Penyisihan kerugian Allowance for
penurunan nilai (1.116.677) impairment losses
61.691.239 (Diaudit/Audited )
31 Desember/December 31, 2011
d. Berdasarkan pihak berelasi d. Based on related party
31 Maret/ 31 Desember/
March 31, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
## Unaudited) Audited)
Pihak berelasi (Catatan 41) Related parties (Note 41)
Pinjaman karyawan kunci 65.465 59.168 Key management personnel loans
Pihak ketiga 65.567.497 62.748.748 Third parties
65.632.962
62.807.916
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
e. Berdasarkan periode kredit dan sisa umur jatuh tempo
e. By loan period and maturity
Golongan jangka waktu kredit yang diberikan berdasarkan periode kredit sebagaimana yang tercantum dalam perjanjian kredit dan waktu yang tersisa sampai dengan saat jatuh temponya adalah sebagai berikut:
The classification of loans based on loan period, as stated in the loan agreements, and the remaining period until maturity were as follows:
Berdasarkan Berdasarkan Berdasarkan Berdasarkan
periode sisa umur periode sisa umur
perjanjian jatuh tempo/ perjanjian jatuh tempo/
kredit/ Based on kredit/ Based on
Based on remaining Based on remaining
08050000_01 loan period until loan period until
period maturity period maturity
Rupiah Rupiah
< = 1 tahun 8.813.453 18.829.407 8.277.196 17.674.088 < = 1 year
> 1 - 2 tahun 9.907.163 6.588.167 9.186.737 6.377.935 > 1 - 2 years
> 2 - 5 tahun 17.184.839 16.118.035 16.854.065 14.929.267 > 2 - 5 years
> 5 tahun 13.952.169 8.322.015 12.677.184 8.013.892 > 5 years
49.857.624
49.857.624 46.995.182 46.995.182
Mata uang asing Foreign currencies
< = 1 tahun 3.552.150 5.399.265 3.430.179 5.321.369 < = 1 year
> 1 - 2 tahun 1.675.330 786.242 1.774.632 819.267 > 1 - 2 years
> 2 - 5 tahun 3.439.567 5.500.273 3.298.427 5.464.035 > 2 - 5 years
> 5 tahun 7.108.291 4.089.558 7.309.496 4.208.063 > 5 years
15.775.338
15.775.338 15.812.734 15.812.734
65.632.962
65.632.962 62.807.916 62.807.916
(Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/March 31, 2012 31 Desember/December 31, 2011
f. Tingkat bunga f. Interest rate
Tingkat bunga rata-rata per tahun yang dibebankan kepada debitur oleh Bank adalah sebagai berikut:
The average interest rates per annum charged to debtors by the Bank are as follows:
31 Maret/ 31 Desember/
March 31, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
8060000
Rupiah 12,62% 12,90% Rupiah
Mata uang asing 6,63% 6,53% Foreign currencies
g. Kredit sindikasi g. Syndicated loans
Jumlah kredit sindikasi yang diberikan oleh Bank per tanggal 31 Maret 2012 dan 31 Desember 2011 adalah masing-masing sebesar Rp4.266.490 dan Rp4.580.530.
Total syndicated loans of the Bank amounted to Rp4,266,490 and Rp4,580,530, as of March 31, 2012 and December 31, 2011, respectively.
Keikutsertaan Bank sebagai pimpinan sindikasi dan anggota sindikasi per 31 Maret 2012 adalah antara 17% sampai 50% (31 Desember 2011: 17% sampai 50%) dan masing-masing antara 2% sampai 60%
(31 Desember 2011: 2% sampai 60%) dari jumlah kredit sindikasi.
The participation of the Bank as a leader and a member of the syndicated loans as of March 31, 2012 ranged from 17% to 50%
(December 31, 2011: ranged from 17% to 50%) and ranged from 2% to 60%
(December 31, 2011: ranged from 2% to 60%) of total syndicated loans, respectively.
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)