12. LOANS AND SHARIA
RECEIVABLES/FINANCING (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/ Jum lah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Korporasi 13.137.664 - 448.997 - 40.850 13.627.511 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah ("UKM") Medium Enterprises ("SME")
UKM 17.809.908 220.566 29.444 24.555 422.531 18.507.004 SME
Komersial 17.096.084 83.453 12.787 32.634 520.942 17.745.900 Commercial Lain-lain 3.819.117 - - - - 3.819.117 Others
Konsumen Consumer
Kredit Kendaraan
Bermotor 8.672.697 873.772 14.343 18.809 14.621 9.594.242 Auto loans Kredit Pemilikan Rumah ("KPR") 7.996.880 569.496 58.266 50.060 198.522 8.873.224 Mortgage ("KPR") Home equity loans (Maxima) 2.281.230 255.598 14.535 17.226 54.484 2.623.073 Home equity loans (Maxima) Kartu kredit 2.066.744 141.205 16.969 17.098 10.638 2.252.654 Credit card Pinjaman tanpa agunan ("PITA") 546.355 37.426 3.283 2.083 3.867 593.014 Unsecured loans ("PITA") Lain-lain 2.213.240 298.497 17.448 6.654 6.186 2.542.025 Others
Syariah 15.573.251 362.501 40.316 24.265 162.672 16.163.005 Sharia
91.213.170
2.842.514 656.388 193.384 1.435.313 96.340.769
Mata uang asing Foreign currencies
Korporasi 7.154.530 579.071 37.785 - 535.996 8.307.382 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah ("UKM") Medium Enterprises ("SME")
UKM 626.220 11.518 - - 1.423 639.161 SME Komersial 3.970.302 - - - - 3.970.302 Commercial
Konsumen Consumer
Lain-lain 7.681 - - - - 7.681 Others Syariah 4.157.213 - - - 391.055 4.548.268 Sharia
15.915.946
590.589 37.785 - 928.474 17.472.794
Jum lah 107.129.116 3.433.103 694.173 193.384 2.363.787 113.813.563 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (2.004.112) impairment losses
111.809.451 8010000
(Diaudit/Audited ) 31 Desem ber/December 31, 2017
Per 31 Maret 2018 dan 31 Desember 2017, 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 0,92% dan 0,95%.
As of March 31, 2018 and December 31, 2017, the ratio of micro business loans to the total loans in accordance with Bank Indonesia Circular Letter No. 13/30/DPNP dated December 16, 2011 are 0.92% and 0.95%, respectively.
Informasi mengenai jatuh tempo diungkapkan pada Catatan 54.
Information on maturities is disclosed in Note 54.
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (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 collaterals are in the form of land, buildings, shares of stock, time deposits (Note 19), machinery, inventories and other collaterals that are acceptable to the Bank.
Pada tanggal 31 Maret 2018 dan 31 Desember 2017, jumlah kredit yang diberikan yang dijamin dengan deposito berjangka adalah masing-masing sebesar Rp8.226.622 dan Rp8.397.125.
As of March 31, 2018 and December 31, 2017, total loans which were secured by time deposits amounted to Rp8,226,622 and Rp8,397,125, 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 2.795.537 86.545 1.026 628 7.135 2.890.871 Agriculture and forestry Pertambangan 102.126 - - - 6.195 108.321 Mining Perindustrian 11.864.794 75.912 454.642 7.395 225.665 12.628.408 Manufacturing Listrik, gas dan air 4.301.409 502 - - - 4.301.911 Electricity, gas and water Konstruksi 6.858.754 37.228 448 4.607 26.528 6.927.565 Construction Perdagangan, restoran
dan hotel 19.509.107 337.072 19.919 66.392 708.702 20.641.192 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 2.265.045 10.402 825 23.207 35.124 2.334.603 and communication Jasa-jasa dunia usaha 12.641.515 84.208 7.138 32.775 44.993 12.810.629 Business services Jasa-jasa sosial/masyarakat 526.565 5.534 2.182 1.081 6.832 542.194 Social/public services Lain-lain 27.456.784 2.096.892 174.398 140.791 405.421 30.274.286 Others
88.321.636
2.734.295 660.578 276.876 1.466.595 93.459.980
Mata uang asing Foreign currencies
Pertanian dan perhutanan 446.753 - - - - 446.753 Agriculture and forestry Pertambangan 1.377.406 - - - 527.164 1.904.570 Mining Perindustrian 9.475.336 31.704 37.566 - - 9.544.606 Manufacturing Listrik, gas dan air - - - - 393.034 393.034 Electricity, gas and water Konstruksi 195.398 - - 11.258 - 206.656 Construction Perdagangan, restoran
dan hotel 1.116.345 4.843 - - 1.445 1.122.633 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 567.354 585.729 - - - 1.153.083 and communication Jasa-jasa dunia usaha 1.563.675 - - - 31.690 1.595.365 Business services Jasa-jasa sosial/masyarakat 7.209 - - - - 7.209 Social/public services Lain-lain 200 5.159 - - - 5.359 Others
14.749.676
627.435 37.566 11.258 953.333 16.379.268
Jumlah 103.071.312 3.361.730 698.144 288.134 2.419.928 109.839.248 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (2.039.266) impairment losses
(Tidak Diaudit/Unaudited ) 31 Maret/M arch 31, 2018
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
c. Berdasarkan sektor ekonomi (lanjutan) c. By economic sector (continued) Klasifikasi kredit berdasarkan sektor ekonomi
adalah sebagai berikut: (lanjutan)
Loans classified by economic sector are as follows: (continued)
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Pertanian dan perhutanan 2.874.757 9.184 666 839 7.651 2.893.097 Agriculture and forestry Pertambangan 132.394 - - - 9.262 141.656 Mining Perindustrian 13.328.142 29.308 454.720 724 226.278 14.039.172 Manufacturing Listrik, gas dan air 4.394.261 537 - - - 4.394.798 Electricity, gas and water Konstruksi 7.261.260 22.836 532 301 63.028 7.347.957 Construction Perdagangan, restoran
dan hotel 19.863.639 196.979 24.329 59.018 673.107 20.817.072 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 2.423.267 26.585 13.462 582 24.258 2.488.154 and communication Jasa-jasa dunia usaha 12.244.334 66.731 6.871 2.753 36.649 12.357.338 Business services Jasa-jasa sosial/masyarakat 638.713 5.525 1.698 1.665 5.443 653.044 Social/public services Lain-lain 28.052.403 2.484.829 154.110 127.502 389.637 31.208.481 Others
91.213.170
2.842.514 656.388 193.384 1.435.313 96.340.769
Mata uang asing Foreign currencies
Pertanian dan perhutanan 719.533 - - - - 719.533 Agriculture and forestry Pertambangan 1.370.657 - - - 359.278 1.729.935 Mining Perindustrian 9.561.825 11.518 37.785 - - 9.611.128 Manufacturing Listrik, gas dan air 40.014 - - - 511.727 551.741 Electricity, gas and water Konstruksi 210.928 - - - 12.188 223.116 Construction Perdagangan, restoran
dan hotel 1.224.379 - - - 1.423 1.225.802 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 597.375 579.071 - - - 1.176.446 and communication Jasa-jasa dunia usaha 2.176.355 - - - 43.858 2.220.213 Business services Jasa-jasa sosial/masyarakat 7.201 - - - - 7.201 Social/public services Lain-lain 7.679 - - - - 7.679 Others
15.915.946
590.589 37.785 - 928.474 17.472.794
Jumlah 107.129.116 3.433.103 694.173 193.384 2.363.787 113.813.563 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (2.004.112) impairment losses
111.809.451 (Diaudit/Audited )
31 Desember/December 31, 2017
d. Berdasarkan pihak berelasi d. Based on related party
31 M are t/ 31 De s e m be r/
M a rch 31, December 31,
2018 2017
(Tidak Diaudit/ (Diaudit/
# Una udi ted) Audi ted)
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (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 um ur periode sisa um ur
perjanjian jatuh tem po/ perjanjian jatuh tem po/
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 23.153.516 37.356.814 23.966.241 38.109.742 < = 1 year
> 1 - 2 tahun 14.960.910 8.063.475 15.174.401 9.417.757 > 1 - 2 years
> 2 - 5 tahun 16.697.874 19.246.239 17.770.706 20.051.568 > 2 - 5 years
> 5 tahun 38.647.680 28.793.452 39.429.421 28.761.702 > 5 years
93.459.980
93.459.980 96.340.769 96.340.769
Mata uang asing Foreign currencies
< = 1 tahun 4.348.628 8.756.851 5.989.422 9.952.259 < = 1 year
> 1 - 2 tahun 3.844.471 604.723 2.919.052 605.115 > 1 - 2 years
> 2 - 5 tahun 2.696.114 2.954.004 3.511.646 3.399.796 > 2 - 5 years
> 5 tahun 5.490.055 4.063.690 5.052.674 3.515.624 > 5 years
16.379.268
16.379.268 17.472.794 17.472.794 109.839.248
109.839.248 113.813.563 113.813.563 (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/M arch 31, 2018 31 Desem ber/December 31, 2017
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 Desem ber/
M arch 31, December 31,
2018 2017
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Rupiah 10,91% 11,55% Rupiah
Mata uang asing 4,52% 5,06% Foreign currencies
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
g. Kredit sindikasi g. Syndicated loans
Jumlah kredit sindikasi yang diberikan oleh Bank per tanggal 31 Maret 2018 dan 31 Desember 2017 adalah masing-masing sebesar Rp10.010.652 dan Rp11.918.378.
Total syndicated loans of the Bank amounted to Rp10,010,652 and Rp11,918,378 as of March 31, 2018 and December 31, 2017, respectively.
Keikutsertaan Bank sebagai pimpinan sindikasi dan anggota sindikasi per 31 Maret 2018 adalah antara 5% sampai 70%
(31 Desember 2017: 5% sampai 70%) (tidak diaudit) dan antara 1% sampai 100%
(31 Desember 2017: 1% sampai 100%) (tidak diaudit) dari jumlah kredit sindikasi.
The participation of the Bank as a leader and a member of the syndicated loans as of March 31, 2018 ranged from 5% to 70%
(December 31, 2017: 5% to 70%) (unaudited) and from 1% to 100% (December 31, 2017:
1% to 100%) (unaudited) of total syndicated loans, respectively.
h. Kredit dalam rangka pembiayaan bersama (joint financing)
h. Joint financing loans
Bank mengadakan perjanjian pemberian fasilitas pembiayaan bersama, terutama dengan entitas anak, yaitu WOM dan MIF untuk membiayai kepemilikan kendaraan secara retail. Risiko kredit Bank dalam pembiayaan bersama tersebut berada pada debitur dari entitas anak. Jumlah saldo fasilitas pembiayaan bersama dengan WOM pada tanggal 31 Maret 2018 adalah sebesar Rp864.544 (31 Desember 2017:
Rp1.214.410). Jumlah saldo fasilitas pembiayaan bersama dengan MIF pada tanggal 31 Desember 2017 adalah sebesar Rp7.547.573 (31 Desember 2017:
Rp8.020.592). 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 WOM and MIF 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 balance of the joint financing arrangements with WOM as of March 31, 2018 is Rp864,544 (December 31, 2017: Rp1,214,410).The outstanding balance of the joint financing arrangements with MIF as of March 31, 2018 is Rp7,547,573 (December 31, 2017:
Rp8,020,592). 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 ditangguhkan dan dicatat sebagai beban yang ditangguhkan untuk pinjaman karyawan, bagian dari aset lain-lain dan akan diamortisasi menggunakan EIR.
The difference between the employee loan’s interest rates and market interest rate is deferred and recorded as deferred costs for employee loan, part of other assets and will be amortized using EIR.
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued) j. Kredit restrukturisasi j. Restructured loans
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.
31 M are t/ 31 De s e m be r/
M a rch 31, December 31,
2018 2017
(Tidak Diaudit/ (Diaudit/
Una udi ted) Audi ted)
3.457.749
2.910.124
penurunan nilai (569.859) (309.137) 2.887.890
2.600.987
Saldo ak hir Endi ng ba l a nce
Dikurangi: Less:
Cadangan kerugian
Allowance for impairment losses 8110000
Restructured loans Kredit yang direstrukturisasi
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 M inimum performing M inimum loans allowance *) loans allowance *)
Rupiah Rupiah
Pertanian dan perhutanan 8.789 6.959 9.156 6.898 Agriculture and forestry Pertambangan 6.195 6.195 9.262 9.262 Mining Perindustrian 687.702 146.739 681.722 147.514 Manufacturing Konstruksi 31.583 10.623 63.861 8.718 Construction Perdagangan, restoran dan hotel 795.013 452.959 756.454 382.138 Trading, restaurant and hotel Transportation, warehouses Angkutan, gudang dan komunikasi 59.156 24.313 38.302 14.727 and communication Jasa-jasa dunia usaha 84.906 50.484 46.273 26.524 Business services Jasa-jasa sosial/masyarakat 10.095 5.556 8.806 4.395 Social/public services
Lain-lain 720.610 332.593 671.249 324.429 Others
2.404.049
1.036.421 2.285.085 924.605
Mata uang asing Foreign currencies
Pertambangan 527.164 162.589 359.278 - Mining Perindustrian 37.566 5.635 37.785 5.668 Manufacturing Listrik, gas dan air 393.034 393.034 511.727 511.727 Electricity, gas and water Konstruksi 11.258 5.630 12.188 12.188 Construction Perdagangan, restoran dan hotel 1.445 1.445 1.423 1.423 Trading, restaurant and hotel Jasa-jasa dunia usaha 31.690 31.690 43.858 43.858 Business services
1.002.157
600.023 966.259 574.864 3.406.206
1.636.444 3.251.344 1.499.469 (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/M arch 31, 2018 31 Desember/December 31, 2017
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
k. Kredit bermasalah berdasarkan sektor ekonomi (lanjutan)
k. Non-performing loans based on economic sector (continued)
Rasio kredit bermasalah (“NPL”) konsolidasian per tanggal 31 Maret 2018 dan 31 Desember 2017, sesuai dengan Surat Edaran Bank Indonesia No. 13/30/DPNP tanggal 16 Desember 2011, dihitung secara bruto masing-masing adalah 3,02% dan 2,81% dan dihitung secara neto masing-masing adalah 1,85% dan 1,72%.
The consolidated non-performing loans (“NPL”) ratio as of March 31, 2018 and December 31, 2017, in accordance with Bank Indonesia Circular Letter No. 13/30/DPNP dated December 16, 2011, calculated at gross was 3.02% and 2.81% respectively, and calculated at net were 1.85% and 1.72%, respectively.
l. Cadangan kerugian penurunan nilai l. Allowance for impairment losses Perubahan cadangan kerugian penurunan nilai
adalah sebagai berikut:
The changes in the allowance for impairment losses are as follows:
31 Maret/ 31 Desem ber/
M arch 31, December 31,
2018 2017
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
2.004.112
1.986.314
kelompok lepasan yang
dimiliki untuk dijual - 20.803 group classified as held-for-sale
berjalan (Catatan 38) 148.965 1.780.886 (Note 38)
dihapusbukukan 13.628 123.143 previously written-off
periode/tahun berjalan (113.850) (1.857.686)
yang diberikan yang
mengalami penurunan nilai individually impaired
secara individual (Catatan 33) (24.701) (59.168) loans (Note 33)
11.112
9.820 2.039.266
2.004.112
Penyisihan selama periode/tahun Provision during the period/year
Penerimaan dari kredit yang telah Recovery of loans
Reklasifikasi dari aset atas
Reclassified from assets of disposal
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 8110000
Saldo aw al Beginning balance
Untuk periode tiga bulan yang berakhir pada tanggal 31 Maret 2017, penyisihan selama periode berjalan adalah sebesar Rp278.686 (Catatan 38).
For the three-month period ended March 31, 2017, provision during the period amounted to Rp278,686 (Note 38).
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
l. Cadangan kerugian penurunan nilai (lanjutan)
l. Allowance for impairment losses (continued)
Perubahan cadangan 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 1.230.898
773.214 1.189.187 797.127
lepasan yang dimiliki untuk dijual - - - 20.803 group classified as held-for-sale Recovery of loans dihapusbukukan - 13.628 - 123.143 previously written-off
berjalan 67.332 81.633 1.306.666 474.220
tahun berjalan - (113.850) (1.214.935) (642.751) the period/year
yang diberikan yang
mengalami penurunan nilai on individually
secara individual (24.701) - (59.168) - impaired loans 9.889
1.223 9.148 672
Saldo akhir 1.283.418 755.848 1.230.898 773.214 Ending balance
Penghapusan selama periode/ Write-off during
Pendapatan bunga atas kredit
Provision during the period/year (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
31 Maret/M arch 31, 2018 31 Desember/December 31, 2017
Beginning balance
Selisih akibat perbedaan kurs Exchange rate differences
Penerimaan dari kredit yang telah
Penyisihan selama periode/tahun
Interest income Saldo aw al
Reklasifikasi dari aset atas kelompok Reclassified from assets of disposal
31 Maret/ 31 Desem ber/
M arch 31, 2018 December 31, 2017
(Tidak Diaudit/ (Diaudit/
Unaudited ) Audited )
3.099.503
3.013.043 Individually assessed loans
106.739.745
110.800.520 Collectively assessed loans
109.839.248
113.813.563 dinilai secara kolektif
Nilai kotor/Gross amount
Kredit yang diberikan yang Kredit yang diberikan yang dinilai secara individu
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
l. Cadangan kerugian penurunan nilai (lanjutan)
l. Allowance for impairment losses (continued)
Manajemen berpendapat bahwa jumlah cadangan kerugian penurunan nilai telah memadai.
Management believes that the allowance for impairment losses is adequate.
Jumlah penyisihan penghapusan aset yang wajib dibentuk atas kredit yang diberikan sesuai dengan ketentuan Bank Indonesia untuk perhitungan Kewajiban Penyediaan Modal Minimum (“KPMM”) adalah masing-masing sebesar Rp2.935.419 dan Rp2.779.977 pada 31 Maret 2018 dan 31 Desember 2017. Rasio pemenuhan penyisihan penghapusan aset yang wajib dibentuk untuk kredit yang diberikan sesuai dengan ketentuan Bank Indonesia pada tanggal 31 Maret 2018 dan 31 Desember 2017 adalah sebesar 69,47% dan 72,09%.
Allowance for uncollectible assets required for loans which is in accordance with Bank Indonesia regulation for Capital Adequacy Ratio (“CAR”) computation amounted to Rp2,935,419 and Rp2,779,977 as of March 31, 2018 and December 31, 2017, respectively. Adequacy ratio for allowance for uncollectible assets on loans which is required by Bank Indonesia regulation as of March 31, 2018 and December 31, 2017 amounted to 69.47% and 72.09%, respectively.