BANK LAIN
12. KREDIT YANG DIBERIKAN (lanjutan) LOANS (continued)
b. Jaminan kredit b. Loan collateral
Jaminan pemberian kredit adalah tanah, bangunan, saham, deposito berjangka (Catatan 19), mesin, persediaan dan jaminan lain yang dapat diterima oleh Bank.
Loan collateral is in the form of land, buildings, shares of stock, time deposits (Note 19), machinery, inventories and other collaterals that are acceptable by the Bank.
Pada tanggal 31 Maret 2013 dan 31 Desember 2012 jumlah kredit yang diberikan yang dijamin dengan deposito berjangka adalah masing-masing sebesar Rp4.738.935 dan Rp4.785.971.
As of March 31, 2013 and December 31, 2012 total loans which were secured by time deposits amounted to Rp4,738,935 and Rp4,785,971, respectively.
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 530.000 1.025 - 3.033 2.467 536.525 Agriculture and forestry Pertambangan 980.759 4.297 - - 122.101 1.107.157 Mining Perindustrian 6.238.112 46.717 40 439 131.701 6.417.009 Manufacturing Listrik, gas dan air 854.285 4.158 - - - 858.443 Electricity, gas and water Konstruksi 2.182.860 15.556 - 2.154 28.222 2.228.792 Construction Perdagangan, restoran
dan hotel 13.775.266 306.298 8.715 8.634 117.271 14.216.184 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 943.018 53.542 552 - 10.983 1.008.095 and communication Jasa-jasa dunia usaha 6.829.685 210.681 255 6.976 11.671 7.059.268 Business services Jasa-jasa sosial/masyarakat 498.651 13.425 - - 7.574 519.650 Social/public services
Lain-lain 22.471.909 2.180.382 82.977 109.887 84.741 24.929.896 Others
55.304.545
2.836.081 92.539 131.123 516.731 58.881.019
Mata uang asing Foreign currencies
Pertanian dan perhutanan 1.199.147 - - - - 1.199.147 Agriculture and forestry Pertambangan 930.701 - - - - 930.701 Mining Perindustrian 3.062.643 29.988 - - 119.236 3.211.867 Manufacturing Listrik, gas dan air 2.887.259 - - - - 2.887.259 Electricity, gas and water Konstruksi 457.074 - - - - 457.074 Construction Perdagangan, restoran
dan hotel 3.631.963 19.202 8.442 1.211 - 3.660.818 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 2.546.608 - - 192.912 6.161 2.745.681 and communication Jasa-jasa dunia usaha 980.134 - - - 12 980.146 Business services Jasa-jasa sosial/masyarakat 29.954 - - - - 29.954 Social/public services Lain-lain 30 - - - - 30 Others
15.725.513
49.190 8.442 194.123 125.409 16.102.677
Jumlah 71.030.058 2.885.271 100.981 325.246 642.140 74.983.696 Total
Dikurangi: Penyisihan Less: Allowance for
kerugian penurunan nilai (999.271) impairment losses
73.984.425 (Tidak Diaudit/Unaudited )
31 Maret/March 31, 2013
95
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 529.048 20.699 - - 3.775 553.522 Agriculture and forestry Pertambangan 666.391 4.680 152.651 - 122.261 945.983 Mining Perindustrian 6.280.619 3.789 2.494 - 147.741 6.434.643 Manufacturing Listrik, gas dan air 768.975 - - - - 768.975 Electricity, gas and water Konstruksi 2.381.520 16.006 - - 28.217 2.425.743 Construction Perdagangan, restoran
dan hotel 14.437.985 88.470 7.051 6.003 140.099 14.679.608 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 900.494 45.282 - - 21.394 967.170 and communication Jasa-jasa dunia usaha 7.334.163 204.092 6.165 974 11.987 7.557.381 Business services Jasa-jasa sosial/masyarakat 539.178 12.920 - 400 7.355 559.853 Social/public services
Lain-lain 21.576.136 2.056.386 70.875 121.157 105.649 23.930.203 Others
55.414.509
2.452.324 239.236 128.534 588.478 58.823.081
Mata uang asing Foreign currencies
Pertanian dan perhutanan 967.222 - - - - 967.222 Agriculture and forestry Pertambangan 891.489 198.070 - - - 1.089.559 Mining Perindustrian 3.714.952 - - 8.284 113.199 3.836.435 Manufacturing Listrik, gas dan air 3.016.134 - - - - 3.016.134 Electricity, gas and water Konstruksi 436.229 297 - - - 436.526 Construction Perdagangan, restoran
dan hotel 3.806.847 16.108 - - - 3.822.955 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 2.692.071 - - 191.323 6.111 2.889.505 and communication Jasa-jasa dunia usaha 1.178.271 - - - - 1.178.271 Business services Jasa-jasa sosial/masyarakat 28.179 - - - - 28.179 Social/public services Lain-lain 39 - - - 12 51 Others
16.731.433
214.475 - 199.607 119.322 17.264.837
Jumlah 72.145.942 2.666.799 239.236 328.141 707.800 76.087.918 Total
Dikurangi: Less:
Penyisihan kerugian Allowance for
penurunan nilai (1.052.332) impairment losses
75.035.586 (Diaudit/Audited )
31 Desember/December 31, 2012
d. Berdasarkan pihak berelasi d. Based on related party
31 Maret/ 31 Desember/
March 31, December 31,
2013 2012
(Tidak Diaudit/ (Diaudit/
## Unaudited) Audited)
Pihak berelasi (Catatan 43) Related parties (Note 43)
Pinjaman karyawan kunci 76.936 70.360 Key management personnel loans
Pihak ketiga 74.906.760 76.017.558 Third parties
74.983.696
76.087.918
kecuali dinyatakan lain) unless otherwise stated)
96
12. KREDIT YANG DIBERIKAN (lanjutan) 12. 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 17.055.940 23.231.578 16.871.685 24.039.406 < = 1 year
> 1 - 2 tahun 6.489.744 7.702.745 7.174.269 7.729.303 > 1 - 2 years
> 2 - 5 tahun 16.092.894 16.022.352 16.723.768 15.952.024 > 2 - 5 years
> 5 tahun 19.242.441 11.924.344 18.053.359 11.102.348 > 5 years
58.881.019
58.881.019 58.823.081 58.823.081
Mata uang asing Foreign currencies
< = 1 tahun 3.913.896 5.555.004 4.296.944 5.897.626 < = 1 year
> 1 - 2 tahun 1.499.736 991.258 1.807.314 1.036.926 > 1 - 2 years
> 2 - 5 tahun 2.886.225 6.182.816 3.220.234 6.372.116 > 2 - 5 years
> 5 tahun 7.802.820 3.373.599 7.940.345 3.958.169 > 5 years
16.102.677
16.102.677 17.264.837 17.264.837 74.983.696
74.983.696 76.087.918 76.087.918
(Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/March 31, 2013 31 Desember/December 31, 2012
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,
2013 2012
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
8060000
Rupiah 11,53% 12,42% Rupiah
Mata uang asing 6,48% 6,60% Foreign currencies
g. Kredit sindikasi g. Syndicated loans
Jumlah kredit sindikasi yang diberikan oleh Bank per tanggal 31 Maret 2013 dan 31 Desember 2012 adalah masing-masing sebesar Rp5.769.483 dan Rp4.375.337.
Total syndicated loans of the Bank amounted to Rp5,769,483 and Rp4,375,337, as of March 31, 2013 and December 31, 2012, respectively.
Keikutsertaan Bank sebagai pimpinan sindikasi dan anggota sindikasi per 31 Maret 2013 adalah antara 17% sampai 100% (31 Desember 2012: 17% sampai 50%) dan masing-masing antara 27% sampai 60%
(31 Desember 2012: 15% 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, 2013 ranged from 17% to 100%
(December 31, 2012: ranged from 17% to 50%) and ranged from 27% to 60%
(December 31, 2012: ranged from 15% to 60%) of total syndicated loans, respectively.
97 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 31 Maret 2013 dengan WOM adalah sebesar Rp5.859.463 (31 Desember 2012:
Rp5.917.038) dan dengan PT BII Finance Center adalah sebesar Rp4.847.984 (31 Desember 2012: Rp4.313.115). Jumlah tersebut dicatat dalam Kredit Kendaraan Bermotor dan Syariah (Catatan 12a) dan kredit lain-lain (Catatan 12c).
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 March 31, 2013 with WOM are Rp5,859,463 (December 31, 2012: Rp5,917,038) and with PT BII Finance Center are Rp4,847,984 (December 31, 2012: Rp4,313,115). The amounts are recorded under Auto Loans and Sharia (Note 12a) and loan-others (Note 12c).
i. Pinjaman karyawan i. Loans to employees
Pinjaman karyawan Bank terdiri dari kredit yang 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.
Perbedaan antara tingkat bunga pinjaman karyawan dan suku bunga pasar dibebankan dan dicatat sebagai beban tenaga kerja.
The difference between the employee loan‟s interest rates and market interest rate is expensed and recorded as personnel expenses.
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 30.563 173.066 - - 70.117 273.746 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 30.942 30.713 - - 92.239 153.894 Commercial UKM 104.935 64.159 3.227 1.224 45.104 218.649 SME
Konsumen Consumer
Kredit kendaraan bermotor 3.623 6.329 233 369 395 10.949 Auto loans Kredit Pemilikan Rumah (KPR) 8.403 1.809 623 2.488 921 14.244 Mortgage (KPR) Home equity loans (Maxima) 1.476 671 - - 144 2.291 Home equity loans (Maxima) Pinjaman Pendidikan - 4 - - - 4 Student loans Syariah - - - - - - Sharia
179.942 276.751 4.083 4.081 208.920 673.777
Mata uang asing Foreign currencies
Korporasi 443.215 - - 192.912 - 636.127 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 482.961 - - - 110.899 593.860 Commercial UKM 26.539 - 6.104 - 8.336 40.979 SME
952.715 - 6.104 192.912 119.235 1.270.966
Jumlah 1.132.657 276.751 10.187 196.993 328.155 1.944.743 Total
Dikurangi: Penyisihan kerugian Less: Allowance for
penurunan nilai (383.941) impairment losses
1.560.802 (Tidak Diaudit/Unaudited )
31 Maret/March 31, 2013
kecuali dinyatakan lain) unless otherwise stated)
98
12. KREDIT YANG DIBERIKAN (lanjutan) 12. 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 30.563 175.416 150.783 - 70.117 426.879 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 34.357 32.012 - - 64.148 130.517 Commercial UKM 145.106 23.968 4.891 3.948 47.741 225.654 SME
Konsumen Consumer
Kredit kendaraan bermotor 5.689 7.774 285 635 638 15.021 Auto loans Kredit Pemilikan Rumah (KPR) 7.243 5.617 806 194 1.279 15.139 Mortgage (KPR) Home equity loans (Maxima) 2.218 29 - - 144 2.391 Home equity loans (Maxima) Pinjaman pendidikan - 6 - - - 6 Student loan Syariah 1.654 - - - - 1.654 Sharia
226.830 244.822 156.765 4.777 184.067 817.261
Mata uang asing Foreign currencies
Korporasi 446.224 - - 191.323 - 637.547 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
Komersial 482.514 - - - 64.916 547.430 Commercial UKM 27.063 - - - - 27.063 SME
955.801 - - 191.323 64.916 1.212.040
Jumlah 1.182.631 244.822 156.765 196.100 248.983 2.029.301 Total Dikurangi: Penyisihan kerugian
penurunan nilai (341.748) Less: Allowance for impairment losses
1.687.553 (Diaudit/Audited )
31 Desember/December 31, 2012
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.
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 5.500 1.570 3.775 2.520 Agriculture and forestry
Pertambangan 122.101 78.623 274.912 110.299 Mining
Perindustrian 132.180 77.490 150.235 96.460 Manufacturing
Konstruksi 30.376 24.833 28.217 23.504 Construction
Perdagangan, restoran dan hotel 134.620 71.632 153.153 76.200 Trading, restaurant and hotel Transportation, warehouses Angkutan, gudang dan komunikasi 11.535 9.725 21.394 16.941 and communication
Jasa-jasa dunia usaha 18.902 6.221 19.126 6.243 Business services
Jasa-jasa sosial/masyarakat 7.574 2.937 7.755 2.161 Social/public services
Lain-lain 277.605 137.494 297.681 163.232 Others
740.393
410.525 956.248 497.560
Mata uang asing Foreign currencies
Perindustrian 119.236 77.048 121.483 114.796 Manufacturing
Perdagangan, restoran dan hotel 9.653 1.384 - - Trading, restaurant and hotel Transportation, warehouses Angkutan, gudang dan komunikasi 199.073 102.617 197.434 101.772 and communication Jasa-jasa dunia usaha 12 12 - - Business services
Lain-lain - - 12 12 Others
327.974
181.061 318.929 216.580 1.068.367
591.586 1.275.177 714.140 (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/March 31, 2013 31 Desember/December 31, 2012
*) Sesuai peraturan Bank Indonesia No. 14/15/PBI/2012
*) in accordance with Bank Indonesia regulation No. 14/15/PBI/2012
99 k. Kredit bermasalah berdasarkan sektor
ekonomi (lanjutan)
k. Non-performing loans based on economic sector (continued)
Rasio kredit bermasalah (NPL) per tanggal 31 Maret 2013 dan 31 Desember 2012 sesuai dengan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011 (dihitung secara bruto) masing-masing adalah 1,47% dan 1,70% dan NPL rasio (dihitung secara bersih) masing-masing adalah 0,62%
dan 0,81%.
The non-performing loans (NPL) ratio as of March 31, 2013 and December 31, 2012 in accordance with Bank Indonesia Circular Letter No. 13/30/DPNP dated December 16, 2011 (calculated at gross) was 1.47% and 1.70%, respectively, and the NPL ratio (calculated at net) was 0.62% and 0.81%, respectively.
l. Penyisihan kerugian penurunan nilai l. Allowance for impairment losses Perubahan penyisihan kerugian penurunan
nilai adalah sebagai berikut:
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 31 Maret 2012, penyisihan selama periode berjalan adalah sebesar Rp152.013 (Catatan 36).
As of March 31, 2012, provision during the period amounted to Rp152,013 (Note 36).
Perubahan penyisihan kerugian penurunan nilai untuk kredit yang diberikan untuk kelompok individual dan kolektif adalah sebagai berikut:
Selisih akibat perbedaan kurs Exchange rate differences
Penerimaan dari kredit yang
Penyisihan selama
Interest income (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/March 31, 2013 31 Desember/December 31, 2012
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.
kecuali dinyatakan lain) unless otherwise stated)
100
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
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 sesuai dengan ketentuan Bank Indonesia untuk perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) adalah sebesar Rp1.404.196 dan Rp1.525.913 pada 31 Maret 2013 dan 31 Desember 2012. Rasio pemenuhan penyisihan kerugian penurunan nilai untuk kredit yang diberikan sesuai dengan ketentuan Bank Indonesia pada tanggal 31 Maret 2013 dan 31 Desember 2012 adalah sebesar 71,16% dan 68,96%.
Minimum allowance for impairment losses for loans required by Bank Indonesia for capital adequacy ratio (CAR) computation amounted to Rp1,404,196 and Rp1,525,913 as of March 31, 2013 and December 31, 2012. Adequacy ratio for allowance for impairment losses on loans which is required by Bank Indonesia as of March 31, 2013 and December 31, 2012 amounted to 71.16% and 68.96%, respectively.