RECEIVABLES/FINANCING
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
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 8.163.846 74.991 - - 472.459 8.711.296 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
UKM 21.435.460 199.611 74.239 31.508 280.540 22.021.358 SME
Komersial 12.815.982 24.922 - 2.651 52.218 12.895.773 Commercial
Lain-lain 3.412.543 - - - - 3.412.543 Others
Konsumen Consumer
Kredit Kendaraan
Bermotor 11.839.666 1.767.987 35.361 46.773 39.571 13.729.358 Auto loans
Kredit Pemilikan Rumah (KPR) 11.021.441 550.657 35.319 32.451 76.343 11.716.211 Mortgage (KPR) Home equity loans (Maxima) 3.188.430 184.390 7.902 8.980 10.668 3.400.370 Home equity loans (Maxima)
Kartu kredit 2.140.045 126.605 20.345 41.419 - 2.328.414 Credit card
Pinjaman tanpa agunan (PITA) 1.092.513 82.462 7.938 16.364 - 1.199.277 Unsecured loans (PITA)
Pinjaman pendidikan - - - - 19 19 Student loans
Lain-lain 1.176.351 81.594 576 549 70 1.259.140 Others
Syariah 5.460.640 279.758 29.022 10.106 80.889 5.860.415 Sharia
81.746.917 3.372.977 210.702 190.801 1.012.777 86.534.174
Mata uang asing Foreign currencies
Korporasi 7.748.663 814.604 23.571 365.038 1.524.559 10.476.435 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
UKM 1.383.049 - - 4.731 12.206 1.399.986 SME Komersial 2.853.613 - - - 66.477 2.920.090 Commercial Konsumen Consumer Lain-lain 26.107 - - - - 26.107 Others Syariah 2.443.578 - - - 401.337 2.844.915 Sharia 14.455.010 814.604 23.571 369.769 2.004.579 17.667.533 Jumlah 96.201.927 4.187.581 234.273 560.570 3.017.356 104.201.707 Total Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (1.871.461) impairment losses
102.330.246
8010000
(Diaudit/Audited ) 31 Desem ber/December 31, 2015
Per 30 Juni 2016 dan 31 Desember 2015, 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 1,27% dan 1,58%.
As of June 30, 2016 and December 31, 2015, 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 is 1.27% and 1.58%, respectively.
Informasi mengenai jatuh tempo diungkapkan pada Catatan 53.
Information on maturities is disclosed in Note 53.
107
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 30 Juni 2016 dan 31 Desember
2015, jumlah kredit yang diberikan yang dijamin dengan deposito berjangka adalah masing-masing sebesar Rp7.728.217 dan Rp7.586.977.
As of June 30, 2016 and December 31, 2015, total loans which were secured by time deposits amounted to Rp7,728,217 and Rp7,586,977, 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 1.573.557 12.489 1.385 1.760 831 1.590.022 Agriculture and forestry
Pertambangan 788.245 11.420 - 7.098 - 806.763 Mining
Perindustrian 11.281.845 97.740 21.034 32.548 83.652 11.516.819 Manufacturing
Listrik, gas dan air 1.025.463 1.726 - - 464.569 1.491.758 Electricity, gas and water
Konstruksi 3.601.353 42.559 1.045 - 56.126 3.701.083 Construction
Perdagangan, restoran
dan hotel 19.107.261 271.353 71.756 67.877 165.654 19.683.901 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.865.041 17.403 855 41.913 7.250 1.932.462 and communication
Jasa-jasa dunia usaha 12.307.343 46.679 7.988 2.017 37.620 12.401.647 Business services
Jasa-jasa sosial/masyarakat 612.233 13.739 1.730 1.981 38.348 668.031 Social/public services
Lain-lain 32.293.033 3.046.489 160.886 196.530 240.854 35.937.792 Others
84.455.374
3.561.597 266.679 351.724 1.094.904 89.730.278
Mata uang asing Foreign currencies
Pertanian dan perhutanan 1.182.252 - - - 649.635 1.831.887 Agriculture and forestry
Pertambangan 1.432.247 228.570 - - 482.312 2.143.129 Mining
Perindustrian 6.886.942 4.441 - 24.666 27.841 6.943.890 Manufacturing
Listrik, gas dan air 1.587.372 - - - 507.265 2.094.637 Electricity, gas and water
Konstruksi 44.882 20.083 - - - 64.965 Construction
Perdagangan, restoran
dan hotel 1.234.088 - - 171 3.960 1.238.219 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.006.740 633.683 - - 439.316 2.079.739 and communication
Jasa-jasa dunia usaha 1.480.767 85.331 - - 150.133 1.716.231 Business services
Jasa-jasa sosial/masyarakat 34.665 - - - - 34.665 Social/public services
Lain-lain 21.398 - - - - 21.398 Others
14.911.353
972.108 - 24.837 2.260.462 18.168.760
Jumlah 99.366.727 4.533.705 266.679 376.561 3.355.366 107.899.038 Total
Dikurangi: Cadangan Less: Allowance for
kerugian penurunan nilai (2.203.072) impairment losses
105.695.966 (Tidak Diaudit/Unaudited )
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)
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Pertanian dan perhutanan 1.318.079 1.608 1.181 - 1.537 1.322.405 Agriculture and forestry
Pertambangan 811.618 10.659 - 2.651 - 824.928 Mining
Perindustrian 10.058.637 25.972 30.645 10.877 59.782 10.185.913 Manufacturing
Listrik, gas dan air 1.026.626 411 - - 472.456 1.499.493 Electricity, gas and water
Konstruksi 3.416.417 73.524 9.620 157 20.883 3.520.601 Construction
Perdagangan, restoran
dan hotel 18.049.030 139.304 31.153 13.229 208.549 18.441.265 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.720.545 8.185 5.795 - 37.094 1.771.619 and communication
Jasa-jasa dunia usaha 11.323.280 45.969 6.219 7.794 52.473 11.435.735 Business services
Jasa-jasa sosial/masyarakat 559.975 41.770 1.132 - - 602.877 Social/public services
Lain-lain 33.462.710 3.025.575 124.957 156.093 160.003 36.929.338 Others
81.746.917
3.372.977 210.702 190.801 1.012.777 86.534.174
Mata uang asing Foreign currencies
Pertanian dan perhutanan 1.697.367 - - - 677.784 2.375.151 Agriculture and forestry
Pertambangan 1.360.723 - - 365.038 138.173 1.863.934 Mining
Perindustrian 5.938.873 26.729 - 4.731 54.045 6.024.378 Manufacturing
Listrik, gas dan air 1.621.303 - - - 525.182 2.146.485 Electricity, gas and water
Konstruksi 17.870 26.212 - - - 44.082 Construction
Perdagangan, restoran
dan hotel 1.313.569 - - - 4.127 1.317.696 Trading, restaurant and hotel
Angkutan, gudang dan Transportation, warehouses
komunikasi 1.095.159 661.086 - - 458.351 2.214.596 and communication
Jasa-jasa dunia usaha 1.351.474 100.577 23.571 - 146.917 1.622.539 Business services
Jasa-jasa sosial/masyarakat 32.562 - - - - 32.562 Social/public services
Lain-lain 26.110 - - - - 26.110 Others
14.455.010
814.604 23.571 369.769 2.004.579 17.667.533
Jumlah 96.201.927 4.187.581 234.273 560.570 3.017.356 104.201.707 Total
Dikurangi: Less:
Cadangan kerugian Allowance for
penurunan nilai (1.871.461) impairment losses
102.330.246 (Diaudit/Audited )
31 Desember/December 31, 2015
d. Berdasarkan pihak berelasi d. Based on related party
30 Juni/ 31 Desem ber/
June 30, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
# Unaudi ted) Audi ted)
Pihak berelasi (Catatan 43) Rel ated parti es (Note 43)
Pinjaman karyaw an kunci 106.056 120.669 Key management personnel loans
Pihak ketiga 107.792.982 104.081.038 Thi rd parti es
107.899.038
109
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 remai ni ng Based on remai ni ng
08050000_01 l oan peri od unti l l oan peri od unti l
peri od maturi ty peri od maturi ty
Rupiah Rupi ah < = 1 tahun 16.586.943 35.970.200 15.394.961 33.786.095 < = 1 year > 1 - 2 tahun 19.447.890 7.361.631 18.632.161 7.503.273 > 1 - 2 years > 2 - 5 tahun 14.541.555 20.847.530 15.531.110 21.255.779 > 2 - 5 years > 5 tahun 39.153.890 25.550.917 36.975.942 23.989.027 > 5 years 89.730.278 89.730.278 86.534.174 86.534.174
Mata uang asing Forei gn currenci es
< = 1 tahun 5.434.768 8.777.927 2.976.130 8.009.107 < = 1 year > 1 - 2 tahun 2.285.294 1.360.455 3.679.587 1.418.675 > 1 - 2 years > 2 - 5 tahun 2.452.850 3.499.676 2.485.844 3.954.605 > 2 - 5 years > 5 tahun 7.995.848 4.530.702 8.525.972 4.285.146 > 5 years 18.168.760 18.168.760 17.667.533 17.667.533 107.899.038 107.899.038 104.201.707 104.201.707 (Tidak Diaudit/Unaudi ted ) (Diaudit/Audi ted )
30 Juni/June 30, 2016 31 Desem ber/December 31, 2015
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 Juni/ 31 De s e m be r/
June 30, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Una udi ted) Audi ted)
Rupiah 12,97% 13,16% Rupiah
Mata uang asing 5,65% 5,89% Foreign currencies
g. Kredit sindikasi g. Syndicated loans
Jumlah kredit sindikasi yang diberikan oleh Bank per tanggal 30 Juni 2016 dan 31 Desember 2015 adalah masing-masing sebesar Rp3.787.445 dan Rp3.077.730.
Total syndicated loans of the Bank
amounted to Rp3,787,445 and Rp3,077,730 as of June 30, 2016 and December 31, 2015, respectively.
Keikutsertaan Bank sebagai pimpinan
sindikasi dan anggota sindikasi per
30 Juni 2016 adalah antara 7% sampai 70% (31 Desember 2015: 37% sampai 70%) dan antara 1% sampai 38% (31 Desember 2015: 1% sampai 26%) dari jumlah kredit sindikasi.
The participation of the Bank as a leader and a member of the syndicated loans as of June 30, 2016 ranged from 7% to 70% (December 31, 2015: 37% to 70%) and from 1% to 38% (December 31, 2015: 1% to 26%) of total syndicated loans, respectively.
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
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 pada tanggal
30 Juni 2016 dengan WOM adalah sebesar
Rp2.923.174 (31 Desember 2015:
Rp4.406.610) dan dengan MIF adalah sebesar
Rp7.953.204 (31 Desember 2015:
Rp8.057.791). 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 to finance 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 June 30, 2016 with WOM are
Rp2,923,174 (December 31, 2015:
Rp4,406,610) and with MIF are Rp7,953,204 (December 31, 2015: Rp8,057,791). 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) and 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.
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.
30 Juni/ 31 Desem ber/
June 30, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Unaudi ted) Audi ted)
3.341.997
3.522.649
penurunan nilai (541.098) (460.575)
2.800.899
3.062.074
Saldo akhir Endi ng bal ance
Dikurangi: Less:
Cadangan kerugian
Allowance for impairment losses
8110000
Restructured loans Kredit yang direstrukturisasi
111
12. KREDIT YANG DIBERIKAN DAN
PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
k. Kredit bermasalah berdasarkan sektor ekonomi
k. Non-performing loans based on economic sector
Kredit Kredit
berm asalah/ Minim um berm asalah/ Minim um
Non- penyisihan/ Non- penyisihan/
performing M inimum performing M inimum loans allowance *) loans allowance *)
Rupiah Rupiah
Pertanian dan perhutanan 3.976 354 2.718 488 Agriculture and forestry
Pertambangan 7.098 456 2.651 - Mining
Perindustrian 137.234 44.382 101.304 22.487 Manufacturing
Listrik, gas dan air 464.569 439.441 472.456 472.456 Electricity, gas and water
Konstruksi 57.171 50.757 30.660 13.562 Construction
Perdagangan, restoran dan hotel 305.287 92.321 252.931 126.210 Trading, restaurant and hotel Transportation, warehouses
Angkutan, gudang dan komunikasi 50.018 7.694 42.889 20.277 and communication
Jasa-jasa dunia usaha 47.625 30.768 66.486 39.916 Business services
Jasa-jasa sosial/masyarakat 42.059 36.684 1.132 170 Social/public services
Lain-lain 598.270 313.248 441.053 185.483 Others
1.713.307
1.016.105 1.414.280 881.049
Mata uang asing Foreign currencies
Pertanian dan perhutanan 649.635 390.877 677.784 273.273 Agriculture and forestry
Pertambangan 482.312 482.312 503.211 138.173 Mining
Perindustrian 52.507 21.604 58.776 8.599 Manufacturing
Listrik, gas dan air 507.265 507.265 525.182 525.182 Electricity, gas and water
Perdagangan, restoran dan hotel 4.131 3.960 4.127 3.488 Trading, restaurant and hotel Transportation, warehouses
Angkutan, gudang dan komunikasi 439.316 188.153 458.351 63.068 and communication
Jasa-jasa dunia usaha 150.133 108.477 170.488 87.338 Business services
2.285.299
1.702.648 2.397.919 1.099.121 3.998.606
2.718.753 3.812.199 1.980.170 (Tidak Diaudit/Unaudited ) (Diaudit/Audited )
30 Juni/June 30, 2016 31 Desem ber/December 31, 2015
*) Kredit bermasalah merupakan kredit yang diklasifikasikan dalam kolektibilitas kurang lancar, diragukan dan macet sesuai peraturan Bank Indonesia No. 14/15/PBI/2012
*) Non-performing loans are loans classified in collectibility substandard, doubtful and loss in accordance with Bank Indonesia regulation No. 14/15/PBI/2012
Rasio kredit bermasalah (NPL) konsolidasian per tanggal 30 Juni 2016 dan 31 Desember 2015 sesuai dengan Surat Edaran Bank
Indonesia No. 13/30/DPNP tanggal
16 Desember 2011, dihitung secara bruto masing-masing adalah 3,68% dan 3,67% dan dihitung secara neto masing-masing adalah 2,33% dan 2,42%.
The consolidated non-performing loans (NPL) ratio as of June 30, 2016 and December 31, 2015 in accordance with Bank Indonesia
Circular Letter No. 13/30/DPNP dated
December 16, 2011, calculated at gross was 3.68% and 3.67%, respectively, and calculated at net was 2.33% and 2.42%, respectively.
12. KREDIT YANG DIBERIKAN DAN PIUTANG/PEMBIAYAAN SYARIAH (lanjutan)
12. LOANS AND SHARIA
RECEIVABLES/FINANCING (continued)
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:
30 Juni/ 31 Desem ber/
June 30, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited) 1.871.461
1.274.973
dihapusbukukan 33.762 71.333 previously written-off
berjalan (Catatan 36) 779.255 1.829.876 (Note 36)
periode/tahun berjalan (381.490) (1.216.401)
yang diberikan yang
mengalami penurunan nilai individually impaired
secara individual (55.540) (131.022) loans
(44.376)
42.702
2.203.072
1.871.461
Penyisihan selama periode/tahun Provision during the period/year
Penerimaan dari kredit yang telah Recovery of loans
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 enam bulan yang berakhir pada tanggal 30 Juni 2015, penyisihan selama periode berjalan adalah sebesar Rp815.113 (Catatan 36).
For the six-month period ended June 30, 2015, provision during the period amounted to Rp815,113 (Note 36).
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
1.071.961
799.500 684.461 590.512
Recovery of loans dihapusbukukan - 33.762 - 71.333 previously written-off
berjalan 269.625 509.630 1.077.306 752.570
tahun berjalan (1.204) (380.286) (582.316) (634.085) the period/year
yang diberikan yang
mengalami penurunan nilai on individually
secara individual (55.540) - (131.022) - impaired loans (50.275)
5.899 23.532 19.170
Saldo akhir 1.234.567 968.505 1.071.961 799.500 Ending balance
Penghapusan selama periode/ Write-off during
Pendapatan bunga atas kredit
Provision during the period/year
(Tidak Diaudit/Unaudited ) (Diaudit/Audited )
30 Juni/June 30, 2016 31 Desember/December 31, 2015
Beginning balance
Selisih akibat perbedaan kurs Exchange rate differences
Penerimaan dari kredit yang telah Penyisihan selama periode/tahun
Interest income Saldo aw al
113
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)
30 Juni/ 31 Desem ber/
June 30, 2016 December 31, 2015
(Tidak Diaudit/ (Diaudit/
Unaudi ted ) Audi ted )
Individually assessed loans
3.452.635
3.459.659
Collectively assessed loans
104.446.403
100.742.048 107.899.038
104.201.707 dinilai secara kolektif
Nilai kotor/Gross amount
Kredit yang diberikan yang Kredit yang diberikan yang dinilai secara individu
Manajemen berpendapat bahwa jumlah
cadangan kerugian penurunan nilai telah memadai.
Management believes that the allowance for impairment losses is adequate.
Jumlah minimum cadangan kerugian
penurunan nilai atas kredit yang diberikan yang wajib dibentuk sesuai dengan ketentuan Bank Indonesia untuk perhitungan Kewajiban Penyediaan Modal Minimum (KPMM) adalah
masing-masing sebesar Rp3.939.537
dan Rp3.029.803 pada 30 Juni 2016
dan 31 Desember 2015. Rasio pemenuhan cadangan kerugian penurunan nilai untuk kredit yang diberikan sesuai dengan ketentuan Bank Indonesia pada tanggal 30 Juni 2016 dan 31 Desember 2015 adalah sebesar 55.92% dan 61,77%.
Minimum allowance for impairment losses for loans required by Bank Indonesia for Capital Adequacy Ratio (CAR) computation amounted to Rp3,939,537 and Rp3,029,803 as of June
30, 2016 and December 31, 2015,
respectively. Adequacy ratio for allowance for impairment losses on loans which is required by Bank Indonesia as of June 30, 2016 and December 31, 2015 amounted to 55,92% and 61.77%, respectively.
13. PIUTANG PEMBIAYAAN KONSUMEN 13. CONSUMER FINANCING RECEIVABLES
a. Piutang pembiayaan konsumen entitas anak
a. The subsidiaries’ consumer financing
receivables
30 Juni/ 31 De s e m be r/
June 30, December 31,
2016 2015
(Tidak Diaudit/ (Diaudit/
Una udi ted) Audi ted)
Piutang pembiayaan Consumer financing
konsumen - bruto 12.388.875 11.175.482 receivab les - gross
Dikurangi:
Pendapatan pembiayaan Uneamed consumer financing
konsumen yang belum diakui (2.774.207) (2.848.426) receivab les
9.614.668
8.327.056 Dikurangi:
Cadangan kerugian
penurunan nilai (190.785) (167.395) Allowance for impairment losses 9.423.883 8.159.661 Less: 8110000 Pihak k e tiga Rupi a h Thi rd pa rti es Rupiah Less:
13. PIUTANG PEMBIAYAAN KONSUMEN (lanjutan) 13. CONSUMER FINANCING RECEIVABLES