Risiko Kredit (Lanjutan) Credit Risk (Continued)
Tabel berikut memberikan kualitas kredit dan analisis umur aset keuangan grup sesuai dengan peringkat kredit debitur grup per 31 Desember sebagai berikut:
The following table provides information regarding the maximum credit risk exposure of the Group as of December 31, are as follows:
Belum Jatuh Tempo dan
Tidak Ada Telah Jatuh
Penurunan Nilai/ Tempo dan
Neither Past Diturunkan Nilai/
Due nor 1 - 30 hari/ 31 - 60 hari/ 61 - 90 hari/ > 91 - 120 hari/ Past Due and
Impaired 1 - 30 days 31 - 60 days 61 - 90 days > 91 - 120 days/ Impaired Total
Kas dan Setara Kas 278.137.316.828 - - - - - 278.137.316.828 Cash and Cash Equivalents
Deposito Berjangka 50.000.000.000 50.000.000.000 Time Deposit
Piutang Usaha: Trade Receivables:
- Pihak Ketiga 1.232.868.333 654.200.412 1.819.343.995 721.221.140 5.392.765.515 - 9.820.399.395 - Third Parties - Pihak Berelasi 5.628.417.395 144.450.000 - - - - 5.772.867.395 - Related Parties
Provisi atas Kerugian Penurunan Nilai - - - - (1.896.407.721) (1.896.407.721) Provision for Impairment Loss
Piutang Lain-lain: Other Receivables:
- Pihak Ketiga 30.335.421 - - - - - 30.335.421 Third Parties - Pihak Berelasi 4.706.195.423 - - - - - 4.706.195.423 - Related Parties
Investasi dalam Instrumen Ekuitas 31.941.820.432 - - - - - 31.941.820.432 Investments in Equity Instruments Jumlah 371.676.953.832 798.650.412 1.819.343.995 721.221.140 3.496.357.794 - 378.512.527.173 Total
2 0 2 0
150
35. MANAJEMEN RISIKO KEUANGAN (Lanjutan) 35. FINANCIAL RISK MANAGEMENT (Continued)
Risiko Kredit (Lanjutan) Credit Risk (Continued)
Belum Jatuh Tempo dan
Tidak Ada Telah Jatuh
Penurunan Nilai/ Tempo dan
Neither Past Diturunkan Nilai/
Due nor 1 - 30 hari/ 31 - 60 hari/ 61 - 90 hari/ > 91 - 120 hari/ Past Due and
Impaired 1 - 30 days 31 - 60 days 61 - 90 days > 91 - 120 days/ Impaired Total
Kas dan Setara Kas 196.029.873.433 - - - - - 196.029.873.433 Cash and Cash Equivalents Deposito Berjangka 5.000.000.000 - - - - - 5.000.000.000 Pledged Time Deposit
Piutang Usaha: Trade Receivables:
- Pihak Ketiga 3.265.221.963 245.230.546 864.872.351 478.980.538 3.194.872.228 - 8.049.177.627 - Third Parties - Pihak Berelasi 4.009.144.759 315.950.107 - - - - 4.325.094.866 - Related Parties
Provisi atas Kerugian Penurunan Nilai (10.546.545) (10.522.545) (121.421.399) (84.160.854) (1.754.148.769) (1.980.800.112) Provision for Impairment Loss
Piutang Lain-lain: Other Receivables:
- Pihak Ketiga 366.107.835 - - - - - 366.107.835 Third Parties - Pihak Berelasi 27.799.726 - - - - - 27.799.726 - Related Parties
Investasi dalam Instrumen Ekuitas 28.095.295.432 - - - - - 28.095.295.432 Investments in Equity Instruments Jumlah 236.782.896.603 550.658.108 743.450.952 394.819.684 1.440.723.459 - 239.912.548.807 Total
2 0 1 9 *
* Disajikan Kembali (Catatan 38) * Restated (Note 38)
35. MANAJEMEN RISIKO KEUANGAN (Lanjutan) 35. FINANCIAL RISK MANAGEMENT (Continued) Risiko Kredit (Lanjutan) Credit Risk (Continued)
Kualitas kredit instrumen keuangan dikelola oleh Grup menggunakan peringkat kredit internal.
Instrumen keuangan diklasifikasikan sebagai
"Belum Jatuh Tempo atau Tidak Mengalami Penurunan Nilai" meliputi instrumen dengan kualitas kredit tinggi karena ada sedikit atau tidak ada pengalaman kegagalan (default) pada kesepakatan berdasarkan surat kuasa, surat jaminan atau promissory note. "Telah Jatuh Tempo tetapi Belum Mengalami Penurunan Nilai" adalah akun-akun dengan pengalaman kegagalan (default) yang sering namun demikian jumlah terhutang masih tertagih. Terakhir, "Telah Jatuh Tempo dan Mengalami Penurunan Nilai" adalah akun yang telah lama belum dilunasi dan telah dibentuk penyisihan kerugian penurunan nilai atas piutang.
The credit quality of financial instruments is managed by the Group using internal credit ratings. Financial instruments classified under
“Neither Past Due nor Impaired” include high grade credit quality instruments because there was few or no history of default on the agreed terms based on the letter of authorization, letter of guarantee or promissory note. “Past Due but Not Impaired” are items with history of frequent default nevertheless the amounts due are still collectible. Lastly, “Past Due and Impaired” are those that are long outstanding and have been provided with allowance for impairment loss on receivables.
Risiko Pasar
Risiko pasar adalah risiko dimana nilai wajar dari arus kas masa depan dari suatu instrumen keuangan akan berfluktuasi karena perubahan harga pasar. Grup dipengaruhi oleh risiko pasar, terutama risiko tingkat suku bunga dan nilai tukar mata uang asing.
Market Risk
Market risk is the risk that the fair value of future cash flows of a financial instrument will fluctuate because of changes in market prices. The Group is exposed to market risk, in particular interest rate risk and foreign currency exchange risk.
Risiko Mata Uang Asing
Risiko mata uang asing adalah risiko dimana nilai wajar atas arus kas masa mendatang dari suatu instrumen keuangan karena perubahan dari nilai tukar mata uang asing. Eksposur fluktuasi nilai tukar atas Grup berasal dari berbagai nilai tukar mata uang terutama sehubungan dengan dolar Amerika. Bagian signifikan dari risiko nilai tukar mata uang asing berasal dari setoran jaminan penyewa.
Foreign Currency Risk
Foreign exchange currency risk is the risk that the fair value of future cash flows of a financial instrument will fluctuate because of changes in foreign exchange rates. The Group is exposed to foreign exchange risk arising from various currency exposures, primarily with respect to the US Dollar.
The significant portion of the foreign exchange risk is contributed by the rental guarantee deposits.
Grup memonitor secara ketat fluktuasi dari nilai tukar mata uang asing sehingga dapat mengambil langkah-langkah yang paling menguntungkan Grup pada waktu yang tepat. Manajemen tidak menganggap perlu untuk melakukan transaksi forward/swap mata uang asing saat ini.
The Company closely monitors the foreign exchange rate fluctuation and market expectation so it can take necessary actions benefited most to the Group in due time. Management currently does not consider the necessity to enter into any currency forward/swaps.
152 1 Tahun atau Lebih dari
Lebih/ 1 Tahun/
1 Year More Than
or Less 1 Year Jumlah/Total
Liabilitas Keuangan Finacial Liabilities
Utang Bank - Jangka
Pendek 15.366.211.392 - 15.366.211.392 Bank Loans - Short-term
Utang Usaha - Pihak Trade Payables - Third
Ketiga 21.316.367.986 - 21.316.367.986 Parties
Utang Lain-lain - Jangka Other Payables -
Pendek: Short-term:
- Pihak Ketiga 2.502.507.504 - 2.502.507.504 - Third Parties - Pihak Berelasi 2.643.511.839 - 2.643.511.839 - Related Parties Beban Akrual 10.048.499.746 - 10.048.499.746 Accrued Expenses
Setoran Jaminan Rental Guarantee
Penyewa 7.084.068.288 10.248.196.235 17.332.264.523 Deposits Utang Bank - Jangka
Panjang 11.358.567.566 455.537.852.272 466.896.419.838 Bank Loans - Long-term Liabilitas Sewa 857.642.578 - 857.642.578 Lease Liabilities
Utang Lain-lain - Jangka Other Payables -
Panjang - 17.690.813.626 17.690.813.626 Long-term Jumlah 71.177.376.899 483.476.862.133 554.654.239.032 Total
2 0 2 0
35. MANAJEMEN RISIKO KEUANGAN (Lanjutan) 35. FINANCIAL RISK MANAGEMENT (Continued)