Bonds II BII Finance Year 2013 with Fixed Interest Rates
OBLIGATIONS OF COMMERCIAL BANKS
Sejak tahun 1998, Pemerintah menjamin liabilitas bank umum meliputi giro, tabungan, deposito berjangka dan deposito on call, obligasi, surat berharga, pinjaman antar bank, pinjaman yang diterima, letters of credit, akseptasi, swap mata uang dan liabilitas kontinjensi lainnya seperti bank garansi, standby letters of credit, performance bonds dan liabilitas sejenis selain yang dikecualikan dalam keputusan ini seperti obligasi subordinasi dan liabilitas kepada direktur, komisaris dan pihak berelasi dengan Bank.
Since 1998, the Government guarantees the obligations of private banks including demand deposits, savings deposits, time deposits and deposits on call, bonds, marketable securities, interbank borrowings, fund borrowings, letters of credit, acceptances, currency swap and other contingent liabilities such as bank guarantees, standby letters of credit, performance bonds and other kinds of liabilities other than those excluded in this regulation such as subordinated bonds, liabilities to directors, commissioners and related parties of the Bank.
Pada tanggal 13 Oktober 2008, Presiden Republik Indonesia menetapkan Peraturan Pemerintah No. 66 Tahun 2008 tentang besaran nilai simpanan yang dijamin Lempaga Penjamin Simpanan (LPS).
Berdasarkan Peraturan tersebut, nilai simpanan yang dijamin untuk setiap nasabah pada satu bank yang semula berdasarkan Undang-Undang No. 24 Tahun 2004 ditetapkan maksimum Rp100 diubah menjadi maksimum Rp2.000.
On October 13, 2008, the President of the Republic of Indonesia approved Government Regulation No. 66 year 2008 regarding the amount of deposits guaranteed by Indonesia Deposit Guarantee Corporation (LPS). Based on such Regulation, the guaranteed deposit amount for each customer in a bank which previously according to Law No. 24 year 2004 amounted to a maximum of Rp100 was amended to a maximum amount of Rp2,000.
Berdasarkan Undang-undang Republik Indonesia No. 7 Tahun 2009, Peraturan Pemerintah Pengganti Undang-undang tentang Lembaga Penjaminan Simpanan telah ditetapkan menjadi Undang-undang sejak tanggal 13 Januari 2009.
Based on the Law of the Republic of Indonesia No. 7 year 2009, Government Regulation in Lieu of Law on Lembaga Penjamin Simpanan (LPS) has been set into law since January 13, 2009.
50. MANAJEMEN RISIKO 50. RISK MANAGEMENT
Penerapan Manajemen Risiko berdasarkan 4 (empat) pilar yang mencakup:
Risk Management implementation is based on 4 (four) pillars that covers:
1. Pengawasan aktif Dewan Komisaris dan Direksi;
2. Kecukupan kebijakan, prosedur dan penetapan limit;
3. Kecukupan proses identifikasi, pengukuran, pemantauan dan pengendalian risiko serta Sistem Informasi Manajemen Risiko; dan 4. Sistem pengendalian intern yang menyeluruh.
1. Board of Commissioners and Director‟s supervision;
2. Sufficiency of policy, procedure and limit setting;
3. Sufficiency of identification process, measurement, monitoring & risk control, also Risk Management Information System; and 4. The comprehensive of internal control system
Untuk mewujudkan keempat pilar, skema 3 (tiga) Lini Pertahanan diterapkan dan Organisasi Manajemen Risiko dibentuk agar mengikuti Tata Kelola Perusahaan yang Baik.
In the implementation of these four pillars, the 3 (three) lines of defense scheme is applied and Risk Management Organization is created following the principle of Good Corporate Governance.
50. MANAJEMEN RISIKO (lanjutan) 50. RISK MANAGEMENT (continued) Adapun Organisasi Manajemen Risiko memiliki
beberapa Komite dan Satuan Kerja yang terdiri dari:
The Risk Management Organization has several committees and units that consist of:
1. Pada tingkat Dewan Komisaris, yaitu Komite Pemantau Risiko
1. At Board of Commisioners level, there is Risk Oversight Committee (ROC)
2. Pada Tingkat Direksi, yaitu:
a. Komite Manajemen Risiko
b. Komite Pengarah Teknologi Informasi c. Komite Aset & Liabilitas
2. At Board of Directors level, there are:
a. Risk Management Committee (RMC) b. Information Technology Steering
Committee (ITSC)
c. Asset & Liability Unit & Committee (ALCO)
3. Satuan Kerja Manajemen Risiko (SKMR) dan Unit Kerja Kepatuhan
3. Risk Management Unit (SKMR) & Compliance Unit
4. Satuan Kerja Audit Intern (SKAI) 4. Internal Audit Unit (SKAI)
Profil Risiko Risk Profile
Secara berkala, Bank membuat profil risiko yang mencerminkan tingkat risiko yang dimiliki Bank berdasarkan 8 (delapan) jenis risiko yang ditetapkan Bank Indonesia, yaitu: risiko kredit, risiko pasar, risiko likuiditas, risiko operasional, risiko hukum, risiko kepatuhan, risiko reputasi, dan risiko stratejik.
On a regular basis, the Bank prepares a risk profile that reflects the Bank‟s risk in accordance with Bank Indonesia‟s 8 (eight) types of risks, that are:
credit risk, market risk, liquidity risk, operational risk, legal risk, compliance risk, reputation risk and strategic risk.
Sejalan dengan Surat Edaran (SE) Bank Indonesia No. 13/6/DPNP tentang Pedoman Perhitungan Aset Tertimbang Menurut Risiko untuk Risiko Kredit Menggunakan Pendekatan Standar, Bank telah mengimplementasikan sistem perhitungan kecukupan modal risiko sesuai dengan arahan SE Bank Indonesia tersebut.
In line with Bank Indonesia Circular Letter No. 13/6/DPNP regarding the guidance on risk weighted asset calculation for credit risk under standardized approach, the Bank has implemented system to calculate capital adequacy for credit risk to be complied with the said Circular Letter.
Sebagai bagian dari implementasi Basel II risiko kredit, untuk kepentingan internal Bank juga mempersiapkan untuk penggunaan metode Pendekatan Internal Rating (Internal Rating Based Approach/IRBA).
As a part of Basel II implementation credit risk, the Bank has also prepared for the internal use of Internal Rating (Internal Rating Based Approach/IRBA).
Risiko Kredit Credit Risk
Risiko kredit adalah risiko yang terjadi akibat kegagalan pihak lawan (counterparty) dalam memenuhi liabilitasnya. Risiko kredit dikelola baik pada tingkat transaksi maupun portofolio.
Pengelolaan risiko kredit dirancang untuk menjaga independensi dan integritas proses penilaian risiko, serta diversifikasi risiko kredit.
Credit risk is the risk of loss resulting from defaulting obligor or counterparty in fulfilling their obligations. This risk is managed both at the transaction and portfolio levels. Credit risk management practices are designed to preserve the independence and integrity of the risk assessment process, and also to diversify the credit risk.
a) Risiko kredit maksimum a) Maximum credit risk Untuk aset keuangan yang diakui di laporan
posisi keuangan, eksposur maksimum terhadap risiko kredit sama dengan nilai tercatat. Untuk bank garansi dan irrevocable L/C, eksposur maksimum terhadap risiko kredit adalah nilai maksimum yang harus dibayarkan oleh Bank jika liabilitas atas bank garansi dan irrevocable L/C terjadi.
For financial assets recognized on the statements of financial position, the maximum exposure to credit risk equals with their carrying amount. For bank guarantees and irrevocable L/C, the maximum exposure to credit risk is the maximum amount that the Bank would have to pay if the obligations of the bank guarantees and irrevocable L/C issued are called upon.
kecuali dinyatakan lain) unless otherwise stated)
50. MANAJEMEN RISIKO (lanjutan) 50. RISK MANAGEMENT (continued) a) Risiko kredit maksimum (lanjutan) a) Maximum credit risk (continued)
Tabel berikut menyajikan eksposur maksimum konsolidasian terhadap risiko kredit untuk instrumen keuangan pada laporan posisi keuangan (on-statement of financial position) dan rekening administratif (off-balance sheet), tanpa memperhitungkan agunan yang dimiliki atau perlindungan kredit lainnya.
The following table presents the consolidated maximum exposure to credit risk of on-statements of financial position and off-balance sheet financial instruments, without taking into account any collateral held or other credit enhancement.
30 Juni/ 31 Desember/
June 30, December 31,
2013 2012
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Laporan posisi keuangan Consolidated statements of
konsolidasian financial position
Current accounts with
Giro pada Bank Indonesia 8.195.790 7.784.483 Bank Indonesia
Giro pada bank lain 722.062 1.649.550 Current accounts with other banks
Penempatan pada Bank Indonesia Placements with Bank Indonesia
dan bank lain 11.435.612 9.049.010 and other banks
Efek-efek yang diperdagangkan 507.803 1.648.063 Trading securities
Investasi keuangan 9.084.525 8.621.991 Financial investments
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - bersih - 466.455 agreement - net
Tagihan derivatif 225.706 235.948 Derivatives receivable
Kredit yang diberikan 79.232.312 76.087.918 Loans
Piutang pembiayaan konsumen 5.872.387 4.860.799 Consumer financing receivables
Tagihan akseptasi 1.231.536 793.362 Acceptances receivable
Beban dibayar dimuka dan Prepayments and other
aset lain-lain 706.988 763.297 assets
117.214.721 111.960.876
Dikurangi: Penyisihan kerugian Less: Allowance for
penurunan nilai (1.301.596) (1.389.084) impairment losses
115.913.125 110.571.792
Rekening administratif Off balance sheets
Fasilitas pinjaman kepada Unused loan commitments
nasabah yang belum ditarik 1.095.141 720.708 granted to customers L/C irrevocable yang masih berjalan 1.092.261 1.398.630 Outstanding irrevocable L/Cs
Garansi yang diberikan: Guarantees issued in the form of:
Bank garansi 2.951.574 2.649.408 Bank guarantees
5.138.976 4.768.746
50. MANAJEMEN RISIKO (lanjutan) 50. RISK MANAGEMENT (continued) Risiko Kredit (lanjutan) Credit Risk (continued)
b) Risiko kredit konsentrasi b) Concentration credit risk Pengungkapan konsentrasi risiko kredit
maksimum berdasarkan kategori portofolio adalah sebagai berikut:
The disclosure on the maximum credit risk concentration by portfolio category is as follows:
30 Juni/June 30, 2013 (Tidak diaudit/Unaudited)
Lembaga
keuangan
bukan
Bank/ Perusahaan
Financial lainnya/
Pemerintah/ Bank/ institution Other Perorangan/ Jumlah/
Government Bank non-Banks company Individual Total
Laporan posisi keuangan Consolidated statements of
konsolidasian financial position
Giro pada Bank Indonesia 8.195.790 - - - - 8.195.790 Current accounts with Bank Indonesia
Giro pada bank lain - 722.062 - - - 722.062 Current accounts with other banks
Penempatan pada
Bank Indonesia Placements with Bank Indonesia
dan bank lain 7.342.348 4.093.264 - - - 11.435.612 and other banks
Efek-efek yang
diperdagangkan 297.423 64.046 39.493 106.841 - 507.803 Trading securities
Investasi keuangan 7.750.412 471.180 473.537 389.396 - 9.084.525 Financial investments
Tagihan derivatif - 112.159 - 113.186 361 225.706 Derivatives receivable
Kredit yang diberikan - 1.702.847 833.198 42.108.436 34.587.831 79.232.312 Loans
Piutang pembiayaan konsumen - - - - 5.872.387 5.872.387 Consumer financing receivables
Tagihan akseptasi - 16.027 - 1.215.509 - 1.231.536 Acceptance receivables
Beban dibayar dimuka dan
aset lain-lain - 13.675 17.473 398.073 277.767 706.988 Prepayments and other assets
23.585.973 7.195.260 1.363.701 44.331.441 40.738.346 117.214.721
Dikurangi: Penyisihan kerugian Less: Allowance for
penurunan nilai (1.301.596) impairment losses
115.913.125
Rekening administratif Off balance sheets
Fasilitas pinjaman kepada Unused loan commitments
nasabah yang belum ditarik - 3.967 - 465.385 625.789 1.095.141 granted to customers
L/C irrevocable yang masih berjalan - - - 1.092.261 - 1.092.261 Outstanding irrevocable L/Cs
Garansi yang diberikan: Guarantees issued in the form of:
Bank garansi - - - 2.766.826 184.748 2.951.574 Bank guarantees
- 3.967 - 4.324.472 810.537 5.138.976
31 Desember/December 31, 2012 (Diaudit/Audited)
Lembaga
keuangan
bukan
Bank/ Perusahaan
Financial lainnya/
Pemerintah/ Bank/ institution Other Perorangan/ Jumlah/
Government Bank non-Banks company Individual Total
Laporan posisi keuangan Consolidated statements of
konsolidasian financial position
Giro pada Bank Indonesia 7.784.483 - - - - 7.784.483 Current accounts with Bank Indonesia
Giro pada bank lain - 1.649.550 - - - 1.649.550 Current accounts with other banks
Penempatan pada
Bank Indonesia Placements with Bank Indonesia
dan bank lain 5.669.830 3.379.180 - - - 9.049.010 and other banks
Efek-efek yang
diperdagangkan 1.564.008 19.055 65.000 - - 1.648.063 Trading securities
Investasi keuangan 7.447.343 378.472 509.689 286.487 - 8.621.991 Financial investments
Efek-efek yang dibeli Securities purchased
dengan janji dijual under resale
kembali - 466.455 - - - 466.455 agreement
Tagihan derivatif - 112.191 - 123.675 82 235.948 Derivatives receivable
Kredit yang diberikan - 1.041.274 1.097.327 42.376.124 31.573.193 76.087.918 Loans
Piutang pembiayaan konsumen - - - - 4.860.799 4.860.799 Consumer financing receivables
Tagihan akseptasi - 3.226 - 790.136 - 793.362 Acceptance receivables
Beban dibayar dimuka dan
aset lain-lain - 8.488 50.291 447.142 257.376 763.297 Prepayments and other assets
22.465.664 7.057.891 1.722.307 44.023.564 36.691.450 111.960.876
Dikurangi: Penyisihan kerugian Less: Allowance for
penurunan nilai (1.389.084) impairment losses
110.571.792
Rekening administratif Off balance sheets
Fasilitas pinjaman kepada Unused loan commitments
nasabah yang belum ditarik - 4.195 - 396.048 320.465 720.708 granted to customers
L/C irrevocable yang masih berjalan - - - 1.398.630 - 1.398.630 Outstanding irrevocable L/Cs
Garansi yang diberikan: Guarantees issued in the form of:
Bank garansi - - - 2.484.606 164.802 2.649.408 Bank guarantees
- 4.195 - 4.279.284 485.267 4.768.746