m Perhitungan ATMR Risiko Operasional m Operational R W A Calculation– Bank Onl y – Bank secara Individual

TabelPengungkapanKuantitatifRisikoOperasional TableofOperationalRiskUnderBasicIndicator

A

pproach

Pendapatan Bruto

(Rata-rata3tahunterakhir)*) Beban Modal ATMR

Approach GrossIncome

(Averageoflast3 years)*) CapitalCharge RWA

(1) (2) (3) (4) (5)

1PendekatanIndikatorDasar 816,360 122,454 1,530,675 BasicIndicatorApproach

No PendekatanYang Digunakan

31 Desember 2016 | 31December2016

(Dalamjutaanrupiah|InMilionRupiah)

Pendapatan Bruto

(Rata-rata3tahunterakhir)*) Beban Modal ATMR

Approach GrossIncome

(Averageoflast3 years)*) CapitalCharge RWA

(1) (2) (3) (4) (5)

1PendekatanIndikatorDasar 555.849 83.377 1.042.218

BasicIndicatorApproach

No PendekatanYang Digunakan

31 Desember 2015 | 31December2015

LAPORAN TAHUNAN 2016 74

ANNUAL REPORT

n. Profil Maturitas

n. Maturity Profile

TabelPengungkapanProfilMaturitasRupiah TableofMaturity ProfileRupiah – BankOnly

BanksecaraIndividual

Tagihan Bersih Net Amount < 1 bulan > 1 bln s.d 3 bln > 3bln s.d 6 bln > 6bln s.d 12 bln > 12 bulan up to 1 month >1month to 3 months >3 months to 6 months >6 months to 12 months >12 months

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset

1Kas|Cash 7,621 7,621 - - - - 2 Penempatanpada BankIndonesia 215,222 215,222 - - - -

Placement to BI

3Penempatanpada banklain 101,637 101,637 - - - - Placement to Other Bank

4 Surat Berharga|Marketable Securities 1,556,221 133,958 349,911 244,049 52,601 775,702 5Kredityangdiberikan|Loan 6,714,365 710,142 1,099,640 511,504 1,239,258 3,153,821 6Tagihanlainnya|Other Receivables - - - - - - 7 Lain-lain|Others 589,728 589,728 - - - - Jumlah Aset | Total Asset 9,184,794 1,758,308 1,449,551 755,553 1,291,859 3,929,523

B. Kewajiban | Liabilities

1Danapihakketiga 2,434,684 1,445,140 839,372 102,168 48,004 - Deposit fromCustomer

2 Kewajibankepada BankIndonesia - - - - - - Liabilities to BI

3Kewajibankepada Banklain 461,073 461,073 - - - - Liabilities to Bank

4 Surat berhargayangditerbitkan - - - - - - IssuedMarketable Securities

5Pinjamanyangditerima|Borrowing - - - - - - 6Kewajibanlainnya| OtherLiablities - - - - - - 7 Lain-lain|Others 250,013 250,013 - - - - Jumlah Kewajiban | Total Liabilities 3,145,770 2,156,226 839,372 102,168 48,004 -

Selisih Aset dengan kewajiban dalam neraca 6,039,024 (397,918) 610,179 653,385 1,243,855 3,929,523 Asset - Liabilities

II. Rekening Administratif | OffBalance Sheet A.

1Komitmen|Commitment - - - - - - 2 Kontijensi|Contingent - - - - - -

-

- - - - - Total Administrative Receivable

B.

1Komitmen|Commitment 1,535,252 509,679 177,888 35,850 314,719 497,116 2 Kontijensi|Contingent 34,171 6,670 2,879 7,128 2,395 15,099 Jumlah Kewajiban rekening administratif 1,569,423 516,349 180,767 42,978 317,114 512,215 Total Administrative Payavle

Selisih tagihan dan kewajiban dalam rekening administratif (1,569,423) (516,349) (180,767) (42,978) (317,114) (512,215) Derivative Receivable - Derivative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] 4,469,601 (914,267) 429,412 610,407 926,741 3,417,308

Selisih kumulatif | Cummulative Difference - (914,267) (484,855) 125,552 1,052,293 4,469,601 (Dalam jutaanrupiah|In Milion Rupiah) 31 Desember 2016 | 31 December 2016

Account

Rekening Jatuh Tempo | Maturity

Tagihan rekening administratif | Administrative Receivable

Kewajiban rekening administratif | Administrative Payable

Tagihan Bersih Net Amount < 1 bulan > 1 bln s.d 3 bln > 3bln s.d 6 bln > 6bln s.d 12 bln > 12 bulan up to 1 month >1month to 3 months >3 months to 6 months >6 months to 12 months >12 months

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset

1Kas|Cash 7.237 7.237 - - - - 2 Penempatanpada BankIndonesia 280.474 280.474 - - - -

Placement to BI

3Penempatanpada banklain 283.143 283.143 - - - - Placement to Other Bank

4 Surat Berharga|Marketable Securities 1.220.170 - 109.449 203.115 274.855 632.751 5Kredityangdiberikan|Loan 6.335.766 169.905 687.759 309.498 1.981.886 3.186.718 6Tagihanlainnya|Other Receivables - - - - - - 7 Lain-lain|Others - - - - - - Jumlah Aset | Total Asset 8.126.790 740.759 797.208 512.613 2.256.741 3.819.469

B. Kewajiban | Liabilities

1Danapihakketiga 2.177.456 1.481.620 617.262 36.531 42.043 - Deposit fromCustomer

2 Kewajibankepada BankIndonesia - - - - - - Liabilities to BI

3Kewajibankepada Banklain 471.342 471.342 - - - - Liabilities to Bank

4 Surat berhargayangditerbitkan - - - - - - IssuedMarketable Securities

5Pinjamanyangditerima|Borrowing - - - - - - 6Kewajibanlainnya| OtherLiablities - - - - - - 7 Lain-lain|Others 11.386 11.386 - - - - Jumlah Kewajiban | Total Liabilities 2.660.184 1.964.348 617.262 36.531 42.043 -

Selisih Aset dengan kewajiban dalam neraca 5.466.606 (1.223.589) 179.946 476.082 2.214.698 3.819.469 Asset - Liabilities

II. Rekening Administratif | OffBalance Sheet A.

1Komitmen|Commitment - - - - - - 2 Kontijensi|Contingent - - - - - -

-

- - - - - Total Administrative Receivable

B.

1Komitmen|Commitment 6.340.450 187.624 687.759 844.998 1.446.389 3.173.680 2 Kontijensi|Contingent 97.078 55.138 3.181 26.981 11.778 - Jumlah Kewajiban rekening administratif 6.437.528 242.762 690.940 871.979 1.458.167 3.173.680 Total Administrative Payavle

Selisih tagihan dan kewajiban dalam rekening administratif (6.437.528) (242.762) (690.940) (871.979) (1.458.167) (3.173.680) Derivative Receivable - Derivative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] (970.922) (1.466.351) (510.994) (395.897) 756.531 645.789

Selisih kumulatif | Cummulative Difference - (1.466.351) (1.977.345) (2.373.242) (1.616.711) (970.922) (Dalam jutaanrupiah|In Milion Rupiah) 31 Desember 2015 | 31 December 2015

Account

Rekening Jatuh Tempo | Maturity

Tagihan rekening administratif | Administrative Receivable

Kewajiban rekening administratif | Administrative Payable

LAPORAN TAHUNAN 2016 76

ANNUAL REPORT

TabelPengungkapanProfilMaturitasValas TableofMaturity Profile ForeignCurrency

- BanksecaraIndividual – BankOnly

Tagihan Bersih Net Amount < 1 bulan > 1 bln s.d 3 bln > 3bln s.d 6 bln > 6bln s.d 12 bln > 12 bulan up to 1month >1month to 3 months >3 months to 6 months >6 months to 12 months >12 months

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset

1Kas|Cash 4,149 4,149

2 Penempatanpada BankIndonesia 1,064,327 390,702 673,625 - - - Placement to BI

3Penempatanpada banklain 558,195 356,107 202,088 - - - Placement to Other Bank

4 Surat Berharga|Marketable Securities 41,776 41,776 - - - - 5Kredityangdiberikan|Loan 13,592,147 322,455 338,564 601,291 1,771,755 10,558,082 6Tagihanlainnya|Other Receivables 1,426,078 117,189 605,400 703,489 - - 7 Lain-lain|Others 34,379 34,379 - - -

Jumlah Aset|Total Asset 16,721,051 1,266,757 1,819,677 1,304,780 1,771,755 10,558,082

B. Kewajiban | Liabilities

1Danapihakketiga 4,049,604 866,214 765,130 2,109,605 296,395 12,260 Deposit fromCustomer

2 Kewajibankepada BankIndonesia - Liabilities to BI

3Kewajibankepada Banklain - - Liabilities to Bank

4 Surat berhargayangditerbitkan - - - - - - IssuedMarketable Securities

5Pinjamanyangditerima|Borrowing 12,327,392 - 673,679 2,088,238 2,963,950 6,601,525 6Kewajibanlainnya| OtherLiablities - - - - - - 7 Lain-lain|Others 303,395 303,395 - - - - Jumlah Kewajiban | Total Liabilities 16,680,391 1,169,609 1,438,809 4,197,843 3,260,345 6,613,785

Selisih Aset dengan kewajiban dalam neraca 40,660 97,148 380,868 (2,893,063) (1,488,590) 3,944,297 Asset - Liabilities

II. Rekening Administratif | OffBalance Sheet A.

1Komitmen|Commitment 2,540,865 870,826 888,595 368,556 412,888 - 2 Kontijensi|Contingent - - -

2,540,865

870,826 888,595 368,556 412,888 - Total Administrative Receivable

B.

1Komitmen|Commitment 1,827,459 1,182,119 2,108,554 545,348 2,271,368 2,859,767 2 Kontijensi|Contingent 78,946 - - 32,422 - 46,524 Jumlah Kewajiban rekening administratif 9,046,102 1,182,119 2,108,554 577,770 2,271,368 2,906,291 Total Administrative Payable

Selisih Tagihan dan Kewajiban dalam rekening administratif (6,505,237) (311,293) (1,219,959) (209,214) (1,858,480) (2,906,291) Administrative Receivable - Administrative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] (6,464,577) (214,145) (839,091) (3,102,277) (3,347,070) 1,038,006

Selisih kumulatif | Cummulative Difference - (214,145) (1,053,236) (4,155,513) (7,502,583) (6,464,577) Tagihan rekening administratif | Administrative

Receivable

Kewajiban rekening administratif | Administrative Payable

Jumlah Tagihan rekening administratif

(Dalam jutaanrupiah|In Milion Rupiah) 31 Desember 2016 | 31 December 2016

Rekening Jatuh Tempo | Maturity

Tagihan Bersih Net Amount < 1 bulan > 1 bln s.d 3 bln > 3bln s.d 6 bln > 6bln s.d 12 bln > 12 bulan up to 1month >1month to 3 months >3 months to 6 months >6 months to 12 months >12 months

I. Eksposur Neraca | On Balance Sheet A. Aset | Asset

1Kas|Cash 5.073 5.073

2 Penempatanpada BankIndonesia 1.020.021 882.199 - 137.822 - - Placement to BI

3Penempatanpada banklain 218.878 218.878 - - Placement to Other Bank

4 Surat Berharga|Marketable Securities 3.819.135 1.035.943 2.783.192 - - - 5Kredityangdiberikan|Loan 13.805.330 163.869 442.392 705.873 2.214.994 10.278.202 6Tagihanlainnya|Other Receivables 771.422 225.605 154.695 391.122 - - 7 Lain-lain|Others 422.662 422.662 - - -

Jumlah Aset|Total Asset 20.062.521 2.954.229 3.380.279 1.234.817 2.214.994 10.278.202

B. Kewajiban | Liabilities

1Danapihakketiga 2.940.836 2.430.695 383.457 45.573 81.111 - Deposit fromCustomer

2 Kewajibankepada BankIndonesia - Liabilities to BI

3Kewajibankepada Banklain - - Liabilities to Bank

4 Surat berhargayangditerbitkan - - - - - - IssuedMarketable Securities

5Pinjamanyangditerima|Borrowing 11.924.025 - 1.102.800 3.239.475 2.412.375 5.169.375 6Kewajibanlainnya| OtherLiablities 11.828 11.828 - - - - 7 Lain-lain|Others 337.347 137.106 84.543 44.636 71.062

Jumlah Kewajiban | Total Liabilities 15.214.036 2.579.629 1.570.800 3.329.684 2.564.548 5.169.375

Selisih Aset dengan kewajiban dalam neraca 4.848.485 374.600 1.809.479 (2.094.867) (349.554) 5.108.827 Asset - Liabilities

II. Rekening Administratif | OffBalance Sheet A.

1Komitmen|Commitment 2.540.865 870.826 888.595 368.556 412.888 - 2 Kontijensi|Contingent - - -

2.540.865

870.826 888.595 368.556 412.888 - Total Administrative Receivable

B.

1Komitmen|Commitment 1.827.459 1.182.119 2.108.554 545.348 2.271.368 2.859.767 2 Kontijensi|Contingent 78.946 - - 32.422 - 46.524 Jumlah Kewajiban rekening administratif 9.046.102 1.182.119 2.108.554 577.770 2.271.368 2.906.291 Total Administrative Payable

Selisih Tagihan dan Kewajiban dalam rekening administratif (6.505.237) (311.293) (1.219.959) (209.214) (1.858.480) (2.906.291) Administrative Receivable - Administrative Payable

Selisih [(IA-IB) + (IIA-IIB)] | Difference [(IA-IB) + (IIA-IIB)] (1.656.752) 63.307 589.520 (2.304.081) (2.208.034) 2.202.536

Selisih kumulatif | Cummulative Difference - 63.307 652.827 (1.651.254) (3.859.288) (1.656.752) Tagihan rekening administratif | Administrative

Receivable

Kewajiban rekening administratif | Administrative Payable

Jumlah Tagihan rekening administratif

(Dalam jutaanrupiah|In Milion Rupiah) 31 Desember 2015 | 31 December 2015

Rekening Jatuh Tempo | Maturity

LAPORAN TAHUNAN 2016

78

ANNUAL REPORT

MANAJEMEN