BANK LAIN
III. Penyertaan saham Investments in shares
10. KREDIT YANG DIBERIKAN (lanjutan) 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 30 September 2012 dan 31 Desember 2011, jumlah kredit yang diberikan yang dijamin dengan deposito berjangka adalah masing-masing sebesar Rp3.984.391 dan Rp3.320.462.
As of September 30, 2012 and December 31, 2011, total loans which were secured by time deposits amounted to Rp3,984,391 and Rp3,320,462.
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 perhutanan 587.598 6.600 - 256 3.775 598.229 Agriculture and forestry Pertambangan 723.536 8.922 64.184 788 61.588 859.018 Mining Perindustrian 5.226.094 4.275 275 - 148.811 5.379.455 Manufacturing Listrik, gas dan air 745.504 - - - - 745.504 Electricity, gas and water Konstruksi 2.223.236 3.963 - 1.647 43.662 2.272.508 Construction Perdagangan, restoran
dan hotel 13.597.844 75.638 9.224 4.226 150.044 13.836.976 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 842.095 39.267 1.977 1.500 92.735 977.574 and communication Jasa-jasa dunia usaha 6.842.160 96.089 968 5.148 8.236 6.952.601 Business services Jasa-jasa sosial/masyarakat 542.475 3.147 - - 5.154 550.776 Social/public services
Lain-lain 20.367.000 2.402.311 78.482 131.041 119.460 23.098.294 Others
51.697.542
2.640.212 155.110 144.606 633.465 55.270.935
Mata uang asing Foreign currencies
Pertanian dan perhutanan 1.549.860 - - - - 1.549.860 Agriculture and forestry Pertambangan 572.109 - - - - 572.109 Mining Perindustrian 2.376.412 8.255 - - 156.730 2.541.397 Manufacturing Listrik, gas dan air 2.809.943 - - - - 2.809.943 Electricity, gas and water Konstruksi 470.337 - - - - 470.337 Construction Perdagangan, restoran
dan hotel 3.309.556 14.189 - - 184.991 3.508.736 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 2.898.099 - - 190.282 6.180 3.094.561 and communication Jasa-jasa dunia usaha 1.256.899 127.760 - - - 1.384.659 Business services Jasa-jasa sosial/masyarakat 33.555 575 - - - 34.130 Social/public services Lain-lain 965 - - - 204 1.169 Others
15.277.735
150.779 - 190.282 348.105 15.966.901
Jumlah 66.975.277 2.790.991 155.110 334.888 981.570 71.237.836 Total
Dikurangi: Penyisihan Less: Allowance for
kerugian penurunan nilai (1.282.218) impairment losses
69.955.618 (Tidak Diaudit/Unaudited )
30 September/September 30, 2012
90
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 perhutanan 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 perhutanan 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
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
## Unaudited) Audited)
Pihak berelasi (Catatan 41) Related parties (Note 41)
Pinjaman karyawan kunci 70.911 59.168 Key management personnel loans
Pihak ketiga 71.166.925 62.748.748 Third parties
71.237.836
62.807.916
kecuali dinyatakan lain) unless otherwise stated)
91
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 14.770.701 22.055.366 8.277.196 17.674.088 < = 1 year
> 1 - 2 tahun 7.140.712 7.709.939 9.186.737 6.377.935 > 1 - 2 years
> 2 - 5 tahun 17.164.620 16.045.842 16.854.065 14.929.267 > 2 - 5 years
> 5 tahun 16.194.902 9.459.788 12.677.184 8.013.892 > 5 years
55.270.935
55.270.935 46.995.182 46.995.182
Mata uang asing Foreign currencies
< = 1 tahun 3.616.580 5.815.461 3.430.179 5.321.369 < = 1 year
> 1 - 2 tahun 2.065.664 521.140 1.774.632 819.267 > 1 - 2 years
> 2 - 5 tahun 3.039.361 5.948.393 3.298.427 5.464.035 > 2 - 5 years
> 5 tahun 7.245.296 3.681.907 7.309.496 4.208.063 > 5 years
15.966.901
15.966.901 15.812.734 15.812.734 71.237.836
71.237.836 62.807.916 62.807.916
(Tidak Diaudit/Unaudited ) (Diaudit/Audited )
30 September/September 30, 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:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
8060000
Rupiah 12,61% 12,90% Rupiah
Mata uang asing 6,61% 6,53% Foreign currencies
g. Kredit sindikasi g. Syndicated loans
Jumlah kredit sindikasi yang diberikan oleh Bank per tanggal 30 September 2012 dan 31 Desember 2011 adalah masing-masing sebesar Rp4.117.485 dan Rp4.580.530.
Total syndicated loans of the Bank amounted to Rp4,117,485 and Rp4,580,530, as of September 30, 2012 and December 31, 2011, respectively.
Keikutsertaan Bank sebagai pimpinan sindikasi dan anggota sindikasi per 30 September 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 September 30, 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.
92 h. Kredit dalam rangka Pembiayaan Bersama
(joint financing)
h. Joint financing loans
Bank mengadakan perjanjian pemberian fasilitas pembiayaan bersama, terutama dengan entitas anak, yaitu PT Wahana Ottomitra Multiartha Tbk (WOM) dan PT BII Finance Center untuk membiayai kepemilikan kendaraan secara retail. Risiko kredit Bank dalam pembiayaan bersama tersebut berada pada debitur dari entitas anak. Jumlah saldo fasilitas pembiayaan bersama pada tanggal 30 September 2012 dengan WOM adalah sebesar Rp6.227.482 (31 Desember 2011:
Rp6.523.143) dan dengan PT BII Finance Center adalah sebesar Rp4.103.991 (31 Desember 2011: Rp3.975.071). Jumlah tersebut dicatat dalam Kredit Kendaraan Bermotor dan Syariah (Catatan 10a), dan kredit lain-lain (Catatan 10c).
The Bank entered into joint financing arrangements, mainly with the subsidiaries, which are PT Wahana Ottomitra Multiartha Tbk (WOM) and PT BII Finance Center for financing retail purchases of vehicles. The ultimate credit risk of the Bank under the joint financing is with the customers of the subsidiaries. The outstanding balances of these joint financing arrangements as of September 30, 2012 with WOM are Rp6,227,482 (December 31, 2011:
Rp6,523,143) and with PT BII Finance Center are Rp4,103,991 (December 31, 2011:
Rp3,975,071). The amounts are recorded under Auto Loans and Sharia (Note 10a), and loan-others (Note 10c).
i. Pinjaman karyawan i. Loans to employees
Pinjaman karyawan Bank terdiri dari kredit yang iya dibebani bunga khusus dengan jangka waktu berkisar antara 1 (satu) sampai dengan 20 (dua puluh) tahun yang dilunasi melalui pemotongan gaji setiap bulannya.
Loans to the Bank‟s employees consist of loans granted with special interest rates and with terms between 1 (one) to 20 (twenty) years, and are collected through monthly salary deductions.
j. Kredit restrukturisasi j. Restructured loans
Lancar/
Dalam perhatian
khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Current Special mention Substandard Doubtful Loss Total
Rupiah Rupiah
Korporasi 44.534 58.641 - - 70.117 173.292 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 19.187 39.085 - - 64.141 122.413 Commercial UKM 129.450 6.598 5.336 - 62.538 203.922 SME
Konsumen Consumer
Kredit kendaraan bermotor 5.185 11.279 674 813 1.557 19.508 Auto loans Kredit Pemilikan Rumah (KPR) 9.015 5.348 657 434 1.071 16.525 Mortgage (KPR) Home equity loans (Maxima) 1.876 511 144 - - 2.531 Home equity loans (Maxima) Pinjaman Pendidikan - 8 - - - 8 Student loans Syariah 1.699 - - - - 1.699 Sharia
210.946 121.470 6.811 1.247 199.424 539.898
Mata uang asing Foreign currencies
Korporasi 107.314 4.368 - 190.282 - 301.964 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 315.106 - - - 74.224 389.330 Commercial UKM 25.804 - - - 1.053 26.857 SME
448.224 4.368 - 190.282 75.277 718.151
Jumlah 659.170 125.838 6.811 191.529 274.701 1.258.049 Total
Dikurangi: Penyisihan kerugian Less: Allowance for
penurunan nilai (238.932) impairment losses
1.019.117 (Tidak Diaudit/Unaudited )
30 September/September 30, 2012
kecuali dinyatakan lain) unless otherwise stated)
93
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
j. Kredit restrukturisasi (lanjutan) j. Restructured loans (continued)
Lancar/
Dalam perhatian
khusus/ Kurang lancar/ Diragukan/ Macet/ Jumlah/
Current Special mention Substandard Doubtful Loss Total
Rupiah Rupiah
Korporasi 66.396 64.510 - - 76.367 207.273 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 173.803 4.360 - 24.055 137.378 339.596 Commercial UKM 19.507 5.788 705 122 11.842 37.964 SME
Konsumen Consumer
Kredit kendaraan bermotor 6.756 15.262 1.025 1.681 6.939 31.663 Auto loans Kredit Pemilikan Rumah (KPR) 16.703 4.357 322 607 867 22.856 Mortgage (KPR) Home equity loans (Maxima) 3.888 - - - - 3.888 Home equity loans (Maxima) Syariah 1.819 - - - - 1.819 Sharia
288.872 94.277 2.052 26.465 233.393 645.059
Mata uang asing Foreign currencies
Korporasi 126.202 6.897 - - - 133.099 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 34.459 - - - 141.658 176.117 Commercial UKM 3.328 - - - 1.913 5.241 SME
163.989 6.897 - - 143.571 314.457
Jumlah 452.861 101.174 2.052 26.465 376.964 959.516 Total Dikurangi: Penyisihan kerugian
penurunan nilai (192.333) Less: Allowance for impairment losses
767.183 (Diaudit/Audited )
31 Desember/December 31, 2011
Kredit yang diberikan yang direstrukturisasi meliputi antara lain kredit dengan perpanjangan jangka waktu dan penurunan tingkat bunga.
Restructured loans include loans with extensions of credit terms and reduction of interest rates.
94 k. Kredit bermasalah berdasarkan sektor
ekonomi
k. Non-performing loans based on economic sector
Kredit Kredit
bermasalah/ Minimum bermasalah/ Minimum
Non- penyisihan/ Non- penyisihan/
performing Minimum performing Minimum loans allowance *) loans allowance *)
Rupiah Rupiah
Pertanian dan perhutanan 4.031 683 7.589 966 Agriculture and forestry Pertambangan 126.560 56.277 66.257 41.284 Mining Perindustrian 149.086 45.039 191.833 41.316 Manufacturing Konstruksi 45.309 38.211 71.291 36.753 Construction Perdagangan, restoran dan hotel 163.494 74.502 130.611 36.643 Trading, restaurant and hotel Transportation, warehouses Angkutan, gudang dan komunikasi 96.212 79.098 91.744 83.230 and communication Jasa-jasa dunia usaha 14.352 7.978 21.938 11.622 Business services Jasa-jasa sosial/masyarakat 5.154 2.811 4.693 - Social/public services
Lain-lain 328.983 169.931 276.177 32.479 Others
933.181
474.530 862.133 284.293
Mata uang asing Foreign currencies
Perindustrian 156.730 75.452 152.402 22.129 Manufacturing Perdagangan, restoran dan hotel 184.991 170.177 13.248 - Trading, restaurant and hotel Transportation, warehouses Angkutan, gudang dan komunikasi 196.462 101.321 267.084 251.429 and communication Lain-lain 204 204 194 194 Others
538.387
347.154 432.928 273.752 1.471.568
821.684 1.295.061 558.045 (Tidak Diaudit/Unaudited ) (Diaudit/Audited ) 30 September/Septembar 30, 2012 31 Desember/December 31, 2011
*) Sesuai peraturan Bank Indonesia *) in accordance with Bank Indonesia regulation
Rasio kredit bermasalah (NPL) per tanggal 30 September 2012 dan 31 Desember 2011 sesuai dengan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011 (dihitung secara bruto) masing-masing adalah 2,08% dan 2,14% dan NPL rasio (dihitung secara bersih) masing-masing adalah 0,87%
dan 1,10%.
The non-performing loans (NPL) ratio as of September 30, 2012 and December 31, 2011 in accordance with Bank Indonesia Circular Letter No. 13/30/DPNP dated December 16, 2011 (calculated at gross) was 2.08% and 2.14%, respectively, and the NPL ratio (calculated at net) was 0.87% and 1.10%, respectively.
kecuali dinyatakan lain) unless otherwise stated)
95
10. KREDIT YANG DIBERIKAN (lanjutan) 10. LOANS (continued)
l. Penyisihan kerugian penurunan nilai l. Allowance for impairment losses Perubahan penyisihan kerugian penurunan
nilai adalah sebagai berikut:
The changes in the allowance for impairment losses were as follows:
30 September/ 31 Desember/
September 30, December 31,
2012 2011
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
1.116.677
1.351.141
dihapuskan 197.989 535.441 previously written-off
berjalan (Catatan 34) 683.166 905.701 (Note 34)
periode/tahun berjalan (708.430) (1.617.638) yang diberikan yang
mengalami penurunan nilai individually impaired
secara individual (29.608) (41.755) loans
22.424
(16.213) 1.282.218
1.116.677
Penyisihan selama periode/tahun Provision during the period/year
Penerimaan dari kredit yang telah Recovery of loans
8110000
Saldo awal Beginning balance
Saldo akhir Ending balance
Penghapusan selama
Write-off during the period/year
Selisih akibat perbedaan kurs Exchange rate differences
Pendapatan bunga atas kredit
Interest income on
Pada tanggal 30 September 2011, penyisihan selama periode berjalan adalah sebesar Rp724.338 (Catatan 34).
As of September 30, 2011, provision during the period amounted to Rp724,338 (Note 34).
Perubahan penyisihan kerugian penurunan nilai untuk kredit yang diberikan untuk kelompok individual dan kolektif adalah sebagai berikut:
The changes in the allowance for impairment losses on loans for individual and collective are as follows:
Individu/ Kolektif/ Individu/ Kolektif/
Individual Collective Individual Collective Saldo awal 467.299 649.378 557.211 793.930
telah dihapusbukukan
periode/tahun berjalan - 197.989 - 535.441 written-off
periode/tahun berjalan 245.120 438.046 31.282 874.419 the period/year
periode/tahun berjalan (40.940) (667.490) (103.013) (1.514.625) the period/year
yang diberikan yang
mengalami penurunan nilai on individually
secara individual (29.608) - (41.755) - impaired loans 17.891
4.533 23.574 (39.787) Saldo akhir 659.762 622.456 467.299 649.378
Beginning balance
Selisih akibat perbedaan kurs Exchange rate differences
Penerimaan dari kredit yang
Penyisihan selama
Recovery of loans previously
Interest income (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
30 September/September 30, 2012 31 Desember/December 31, 2011
Ending balance Kredit yang dihapusbuku selama
Provision during
Write-off during
Pendapatan bunga atas kredit
Manajemen berpendapat bahwa jumlah penyisihan kerugian penurunan nilai telah memadai.
Management believes that the allowance for impairment losses is adequate.
96 l. Penyisihan kerugian penurunan nilai
(lanjutan)
l. Allowance for impairment losses (continued)
Jumlah minimum penyisihan kerugian penurunan nilai atas kredit yang diberikan yang wajib dibentuk - Bank sesuai dengan ketentuan Bank Indonesia untuk perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) adalah sebesar Rp1.725.925 dan Rp1.348.365 pada 30 September 2012 dan 31 Desember 2011. Rasio pemenuhan penyisihan kerugian penurunan nilai untuk kredit yang diberikan sesuai dengan ketentuan Bank Indonesia pada tanggal 30 September 2012 dan 31 Desember 2011 adalah sebesar 74,29% dan 82,81%.
Minimum allowance for impairment losses for loans - Bank required by Bank Indonesia for capital adequacy ratio (CAR) computation are amounted to Rp1,725,925 and Rp1,348,365 as of September 30, 2012 and December 31, 2011. Adequacy ratio for allowance for impairment losses on loans which is required by Bank Indonesia as of September 30, 2012 and December 31, 2011 are amounting to 74.29% and 82.81%, respectively.
11. PIUTANG PEMBIAYAAN KONSUMEN 11. CONSUMER FINANCING RECEIVABLES