FOR TRADING
10. SECURITIES PURCHASED UNDER RESALE AGREEMENTS (continued)
Manajemen menyatakan bahwa tidak ada saldo cadangan kerugian penurunan nilai untuk efek-efek yang dibeli dengan janji dijual kembali yang perlu diakui pada tanggal 30 September 2017 dan 31 Desember 2016.
Management has determined that there were no impairment losses on securities purchased under resale agreements to be recognized as of 30 September 2017 and 31 December 2016. Informasi mengenai klasifikasi dan nilai wajar atas
efek-efek yang dibeli dengan janji dijual kembali diungkapkan pada Catatan 41.
Information with regards to the classification and fair value of securities purchased under resale agreements is disclosed in Note 41.
11. TAGIHAN DAN UTANG AKSEPTASI 11. ACCEPTANCE RECEIVABLES AND PAYABLES
Rincian tagihan akseptasi adalah sebagai berikut: The details of acceptance receivables were as follows: 30 September 2017/30 September 2017 31 Desember 2016/31 December 2016
Cadangan Cadangan
Kerugian Kerugian
Penurunan Penurunan
Nilai/ Nilai/
Allowance Nilai Allowance Nilai
for Tercatat/ for Tercatat/
Jumlah/ Impairment Carrying Jumlah/ Impairment Carrying
Amount Losses Amount Amount Losses Amount
Rupiah Rupiah
Bank-bank lain Other banks
- Pihak ketiga 2.488 (17) 2.471 27.789 (75) 27.714 - Third parties
Nasabah Customers
- Pihak ketiga 621.119 (1.087) 620.032 635.197 (2.745) 632.452 - Third parties
623.607 (1.104) 622.503 662.986 (2.820) 660.166
Valuta Asing Foreign Currencies
Bank-bank lain Other banks
- Pihak ketiga 16.255 (87) 16.168 29.787 (146) 29.641 - Third parties
Nasabah Customers
- Pihak ketiga 2.717.787 (11.449) 2.706.338 3.289.950 (86.314) 3.203.636 - Third parties
- Pihak berelasi 43.475 (2) 43.473 - - - - Related parties
2.777.517 (11.538) 2.765.979 3.319.737 (86.460) 3.233.277
Jumlah 3.401.124 (12.642) 3.388.482 3.982.723 (89.280) 3.893.443 Total
Rincian utang akseptasi adalah sebagai berikut: The details of acceptance payables were as follows: 30 September 2017/
30 September 2017
31 Desember 2016/ 31 December 2016
Rupiah Rupiah
Bank-bank lain Other banks
- Pihak ketiga 619.570 631.389 - Third parties
- Pihak berelasi 185 1.076 - Related parties
Nasabah Customers
- Pihak ketiga 4.681 31.663 - Third parties
624.436 664.128
Valuta Asing Foreign Currencies
Bank-bank lain Other banks
- Pihak ketiga 2.729.265 3.205.491 - Third parties
- Pihak berelasi 36.796 90.743 - Related parties
Nasabah Customers
- Pihak ketiga 16.254 29.788 - Third parties
2.782.315 3.326.022
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
91
11. TAGIHAN DAN UTANG AKSEPTASI (lanjutan) 11. ACCEPTANCE RECEIVABLES AND PAYABLES
(continued)
Tagihan dan liabilitas akseptasi berdasarkan jangka waktu perjanjian adalah sebagai berikut:
The acceptance receivables and payables classified based on the term of the agreement are as follows: 30 September 2017/ 30 September 2017 31 Desember 2016/ 31 December 2016 Tagihan/ Receivable Liabilitas/ Payable Tagihan/ Receivable Liabilitas/ Payable ≤ 1 bulan 60.996 61.146 65.326 65.661 ≤ 1 month > 1 – 3 bulan 540.822 542.367 724.402 727.570 > 1 – 3 months > 3 – 6 bulan 2.678.751 2.694.978 2.950.320 3.042.859 > 3 – 6 months > 6 – 12 bulan 95.365 95.645 84.272 84.589 > 6 – 12 months > 12 bulan 12.548 12.615 69.123 69.471 > 12 months Jumlah 3.388.482 3.406.751 3.893.443 3.990.150 Total
Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut:
The movement of allowance for impairment losses were as follows:
30 September 2017/30 September 2017 Cadangan Kerugian Penurunan
Nilai Kolektif/ Collective Impairment Losses
Cadangan Kerugian Penurunan Nilai Individual/ Individual Impairment Losses
Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-total Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-total Jumlah/ Total
Saldo, awal periode 2.820 12.850 15.670 - 73.610 73.610 89.280
Balance, beginning of period
Penambahan (pemulihan) cadangan selama periode
berjalan (1.716) (5.957) (7.673) - (68.214) (68.214) (75.887)
Addition (reversal) of allowance during the period
Selisih kurs - (7) (7) (744) (744) (751) Exchange rate difference
Saldo, akhir periode 1.104 6.886 7.990 - 4.652 4.652 12.642 Balance, end of period
30 September 2016/30 September 2016 Cadangan Kerugian Penurunan
Nilai Kolektif/ Collective Impairment Losses
Cadangan Kerugian Penurunan Nilai Individual/ Individual Impairment Losses
Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-total Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-total Jumlah/ Total
Saldo, awal periode 712 12.542 13.254 - 5.268 5.268 18.522
Balance, beginning of period
Penambahan (pemulihan) cadangan selama period
berjalan 780 3.429 4.209 - (5.249) (5.249) (1.040)
Addition (reversal) of allowance during the period
Selisih kurs - (673) (673) - (19) (19) (692) Exchange rate difference
Saldo, akhir periode 1.492 15.298 16.790 - - - 16.790 Balance, end of period
Manajemen menyatakan bahwa saldo cadangan kerugian penurunan nilai yang dibentuk adalah cukup untuk menutupi kemungkinan kerugian yang timbul akibat tidak tertagihnya tagihan akseptasi.
Management has determined that the allowance for impairment losses was adequate to cover possible losses on uncollectible acceptance receivables.
Tagihan dan utang akseptasi pada pihak berelasi diungkapkan pada Catatan 43. Informasi mengenai klasifikasi tagihan dan utang akseptasi diungkapkan pada Catatan 41.
Acceptance receivables and payables with related parties are disclosed in Note 43. Information with regards to the classification of acceptance receivables and payables is disclosed in Note 41.
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
92
12. KREDIT YANG DIBERIKAN 12. LOANS
Kredit yang diberikan terdiri dari: Loans consist of the followings:
a. Berdasarkan Jenis Kredit dan Mata Uang a. By Type and Currency
30 September 2017/ 30 September 2017
31 Desember 2016/ 31 December 2016
Rupiah Rupiah
Modal kerja 32.476.621 35.397.405 Working capital
Konsumsi 18.480.024 19.254.772 Consumer
Investasi 11.115.978 14.436.919 Investment
Syariah 12.345.008 10.531.278 Sharia
74.417.631 79.620.374
Valuta Asing Foreign Currencies
Modal kerja 7.210.533 8.349.304 Working capital
Investasi 4.295.534 6.418.303 Investment
Syariah 192.595 394.683 Sharia
11.698.662 15.162.290
Jumlah 86.116.293 94.782.664 Total
Pembiayaan syariah yang diberikan kepada debitur merupakan kredit modal kerja, investasi, dan konsumsi.
Sharia financing extended to debtors represent working capital, investment, and consumer loans.
Kredit modal kerja dan investasi diberikan kepada debitur untuk kepentingan modal kerja dan barang-barang modalnya. Kredit modal kerja mencakup kredit dalam bentuk rekening koran dan cerukan.
Working capital loans and investment loans were extended to customers for working capital and capital goods. Working capital loans include current accounts and overdraft.
Kredit konsumsi terdiri dari kredit pemilikan rumah, kredit kendaraan bermotor dan kredit perorangan lainnya.
Consumer loans consist of housing, motor vehicles and other personal loans.
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
93
12.iiKREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
b. Berdasarkan Sektor Ekonomi b. By Economic Sector
30 September 2017/30 September 2017 Jumlah/ Amount Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses Nilai Tercatat/ Carrying Amount
Kredit individual untuk pemilikan rumah, pemilikan kendaraan
bermotor, dan lain-lain 28.274.596 (284.611) 27.989.985
Personal loans for housing, motor vehicles, and others
Industri pengolahan 22.509.802 (2.114.620) 20.395.182 Manufacturing
Perdagangan besar dan kecil 21.113.422 (1.810.673) 19.302.749 Wholesale and retail trading
Transportasi, pergudangan dan
komunikasi 4.347.889 (788.652) 3.559.237
Transportation, warehousing and communication
Perantara keuangan 3.628.051 (5.563) 3.622.488 Financial intermediaries
Pertanian, perburuan dan kehutanan 3.123.426 (500.582) 2.622.844 Agriculture, hunting and forestry
Konstruksi 3.043.780 (299.684) 2.744.096 Construction
Pertambangan dan penggalian 2.773.190 (1.773.275) 999.915 Mining and excavation Real estate, usaha persewaan dan
jasa perusahaan 2.584.595 (63.263) 2.521.332
Real estate, leasing and corporate services
Penyediaan akomodasi dan
penyediaan makanan 658.176 (7.272) 650.904
Accommodation and food providers
Listrik, gas dan air 499.729 (4.028) 495.701 Electricity, gas and water
Jasa kemasyarakatan, sosial budaya,
hiburan dan perorangan 391.914 (3.948) 387.966
Social services, social culture, entertainment and individual services
Jasa pendidikan 244.577 (182) 244.395 Education services
Perikanan 81.794 (2.716) 79.078 Fishery
Jasa kesehatan dan kegiatan sosial 42.848 (64) 42.784 Health and social services
Lain-lain 468.279 (10.642) 457.637 Others Jumlah 93.786.068 (7.669.775) 86.116.293 Total 31 Desember 2016/31 December 2016 Jumlah/ Amount Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses Nilai Tercatat/ Carrying Amount
Industri pengolahan 27.578.411 (4.712.442) 22.865.969 Manufacturing
Kredit individual untuk pemilikan rumah, pemilikan kendaraan
bermotor, dan lain-lain 27.346.366 (263.703) 27.082.663
Personal loans for housing, motor vehicles, and others
Perdagangan besar dan kecil 23.371.243 (2.216.733) 21.154.510 Wholesale and retail trading
Transportasi, pergudangan dan
komunikasi 5.386.318 (997.401) 4.388.917
Transportation, warehousing and communication Real estate, usaha persewaan dan
jasa perusahaan 4.738.913 (54.784) 4.684.129
Real estate, leasing and corporate services
Pertanian, perburuan dan kehutanan 4.139.581 (813.785) 3.325.796 Agriculture, hunting and forestry
Konstruksi 3.909.218 (641.625) 3.267.593 Construction
Pertambangan dan penggalian 3.738.787 (1.854.838) 1.883.949 Mining and excavation
Perantara keuangan 3.390.995 (4.166) 3.386.829 Financial intermediaries
Listrik, gas dan air 1.018.192 (10.216) 1.007.976 Electricity, gas and water
Penyediaan akomodasi dan
penyediaan makanan 641.312 (2.873) 638.439
Accommodation and food providers
Jasa kemasyarakatan, sosial budaya,
hiburan dan perorangan 456.217 (4.667) 451.550
Social services, social culture, entertainment and individual services
Perikanan 158.133 (2.798) 155.335 Fishery
Jasa pendidikan 115.669 (244) 115.425 Education services
Jasa kesehatan dan kegiatan sosial 53.255 (75) 53.180 Health and social services
Lain-lain 329.846 (9.442) 320.404 Others
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
94
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
c. Jangka Waktu c. Loan Period
Rincian kredit menurut jangka waktu sesuai perjanjian kredit adalah sebagai berikut:
Details of loans by loan period based on loan agreements were as follows:
30 September 2017/30 September 2017 31 Desember 2016/31 December 2016
Rupiah/
Valuta Asing/
Foreign Jumlah/ Rupiah/
Valuta Asing/
Foreign Jumlah/
Rupiah Currencies Total Rupiah Currencies Total
Kurang dari 1 tahun 31.849.571 6.152.713 38.002.284 33.212.137 7.084.204 40.296.341 Less than 1 year
1 - 2 tahun 7.648.587 509.855 8.158.442 8.282.111 1.183.939 9.466.050 1 - 2 years
>2 - 5 tahun 17.235.781 3.371.054 20.606.835 19.624.685 4.472.157 24.096.842 >2 - 5 years
Lebih dari 5 tahun 17.683.692 1.665.040 19.348.732 18.501.441 2.421.990 20.923.431 More than 5 years
Jumlah 74.417.631 11.698.662 86.116.293 79.620.374 15.162.290 94.782.664 Total
Informasi pokok lainnya sehubungan dengan kredit yang diberikan adalah sebagai berikut:
Other significant information relating to loans is as follows:
a. Kredit yang diberikan pada umumnya dijamin dengan giro, tabungan, deposito berjangka atau harta tak bergerak yang diaktakan dengan akta pemberian hak tanggungan atau surat kuasa memasang hak tanggungan atau surat kuasa untuk menjual, atau jaminan lain yang umumnya diterima oleh Bank.
a. Loans are generally secured by demand deposits, savings, time deposits or by registered mortgages or by powers of attorney to mortgage or sell, or by other guarantees acceptable to the Bank.
Pada tanggal 30 September 2017 dan 31 Desember 2016, jumlah kredit yang diberikan yang dijamin dengan giro, tabungan dan deposito berjangka masing-masing sebesar Rp5.576.758 dan Rp5.618.474.
As of 30 September 2017 and 31 December 2016, total loans which were secured by demand deposits, savings and time deposits amounted to Rp5,576,758 and Rp5,618,474, respectively.
b...Pada periode sembilan bulan yang berakhir tanggal 30 September 2017 dan tahun yang berakhir tanggal 31 Desember 2016, kredit yang direstrukturisasi dilakukan dengan mengubah persyaratan pokok dan bunga, serta perpanjangan jangka waktu kredit.
b. For the nine-month period ended 30 September 2017 and year ended 31 December 2016, loan restructurings were conducted by the Bank through modification of terms on principal and interest, and extension on terms.
Kredit dengan persyaratan yang dinegosiasi ulang adalah kredit yang telah direstrukturisasi karena adanya kekhawatiran akan kemampuan nasabah untuk melakukan pembayaran kontraktual ketika jatuh tempo dan ketika Bank memberikan konsesi yang mana tidak akan dipertimbangkan dalam kondisi normal. Jumlah kredit yang diberikan yang telah dinegosiasi ulang pada tanggal 30 September 2017 dan 31 Desember 2016 berdasarkan kolektibilitas menurut peraturan Bank Indonesia yang berlaku adalah sebagai berikut:
Loans with renegotiated terms are loans that have been restructured due to concerns about the borrower’s ability to meet contractual payments when due and where the Bank has made concessions that it would not be otherwise considered. The amount of loans whose terms have been renegotiated as of 30 September 2017 and 31 December 2016, by grading based on prevailing Bank Indonesia regulations were as follows:
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
95
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
30 September 2017/30 September 2017 Lancar/ Current Dalam perhatian khusus/ Special mention Kurang lancar/ Substandard Diragukan/ Doubtful Macet/ Loss Jumlah/ Total Rupiah Rupiah
Modal kerja 55.738 759.113 79.363 101.647 59.231 1.055.092 Working capital
Investasi 2.357.344 1.954.943 232.470 64.148 438.042 5.046.947 Investment
Syariah 9.351 34.360 2.815 12.712 5.122 64.360 Sharia
Konsumsi 15.189 2.064 368 - 77 17.698 Consumer
2.437.622 2.750.480 315.016 178.507 502.472 6.184.097
Valuta Asing Foreign Currencies
Modal kerja 99.975 1.783.843 40.327 23.037 - 1.947.182 Working capital
Investasi 391.481 3.040.211 858.927 - 32.529 4.323.148 Investment Syariah 12.050 12.546 - - 17.480 42.076 Sharia 503.506 4.836.600 899.254 23.037 50.009 6.312.406 Jumlah 2.941.128 7.587.080 1.214.270 201.544 552.481 12.496.503 Total 31 Desember 2016/31 December 2016 Lancar/ Current Dalam perhatian khusus/ Special mention Kurang lancar/ Substandard Diragukan/ Doubtful Macet/ Loss Jumlah/ Total Rupiah Rupiah
Modal kerja 304.427 461.979 643.455 1.397.129 672.998 3.479.988 Working capital
Investasi 1.577.733 2.539.987 739.941 93.964 134.700 5.086.325 Investment
Syariah 17.704 14.765 200.563 - - 233.032 Sharia
Konsumsi 1.444 945 50 183 5 2.627 Consumer
1.901.308 3.017.676 1.584.009 1.491.276 807.703 8.801.972
Valuta Asing Foreign Currencies
Modal kerja 418.407 1.055.515 252.410 5.685 - 1.732.017 Working capital
Investasi 652.666 1.838.437 744.833 720.545 93.695 4.050.176 Investment
Syariah - 14.872 518.241 - - 533.113 Sharia
1.071.073 2.908.824 1.515.484 726.230 93.695 6.315.306
Jumlah 2.972.381 5.926.500 3.099.493 2.217.506 901.398 15.117.278 Total
c....Kredit sindikasi merupakan kredit yang diberikan kepada nasabah berdasarkan perjanjian pembiayaan bersama (sindikasi) dengan bank- bank lain dan umumnya digunakan untuk memenuhi kebutuhan modal kerja dan investasi. Dalam kredit sindikasi, Bank dapat bertindak sebagai anggota dan/atau arranger dan/atau security agency. Sindikasi dilakukan dengan bank-bank di Indonesia. Keikutsertaan Bank sebagai anggota dan/atau arranger dalam kredit sindikasi berkisar antara 0,70% sampai dengan 70,00% dan 0,74% sampai dengan 70,00%, dari setiap fasilitas kredit sindikasi masing-masing pada tanggal 30 September 2017 dan 31 Desember 2016.
c. Syndicated loans represent loans provided to customers under syndication agreements with other banks and it is generally used to support the working capital needs and investment. In syndicated loans, Bank may act as a member and/or arranger and/or security agency. Syndication is done with several banks in Indonesia. Total participation of the Bank in syndicated loans, in which the Bank acted as a member and/or arranger, ranged from 0,70% up to 70,00% and 0.74% up to 70.00%, of each syndicated loan facility as of 30 September 2017 and 31 December 2016.
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
96
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
d. Pada tanggal 30 September 2017 dan 31 Desember 2016, rasio non-performing loans (“NPL”) Bank sesuai dengan peraturan Bank Indonesia yang berlaku adalah sebagai berikut:
d. As of 30 September 2017 and 31 December 2016, non-performing loans (“NPL”) ratios of the Bank based on prevailing Bank Indonesia regulation were as follows:
30 September 2017/ 30 September 2017 31 Desember 2016/ 31 December 2016 NPL bruto 4,70% 8,83% Gross NPL NPL neto 1,75% 2,24% Net NPL
Kredit non-performing yang diberikan Bank (kolektibilitas kurang lancar, diragukan dan macet menurut peraturan Bank Indonesia yang berlaku) serta cadangan kerugian penurunan nilainya per sektor ekonomi adalah sebagai berikut:
The Bank’s non-performing loans grading (substandard, doubtful and loss based on prevailing Bank Indonesia regulations) and the related allowance for impairment losses by economic sector were as follows:
30 September 2017/ 30 September 2017 31 Desem ber 2016/ 31 December 2016 Pokok/ Principal Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses Pokok/ Principal Cadangan Kerugian Penurunan Nilai/ Allowance for Impairment Losses
Perdagangan besar dan kecil 1.571.577 (841.101) 2.083.167 (1.520.631) Wholesale and retail trading
Pertambangan dan penggalian 810.559 (758.722) 1.114.256 (922.747) Mining and excavation
Pertanian, perburuan dan kehutanan 526.377 (432.272) 886.782 (744.394) Agriculture, hunting and forestry
Industri pengolahan 472.642 (206.036) 3.488.060 (2.999.740) Manufacturing
Kredit individual untuk pemilikan rumah, pemilikan kendaraan
bermotor, dan lain-lain 441.414 (169.238) 394.301 (150.391)
Personal loans for housing, motor vehicles, and others
Konstruksi 322.577 (273.333) 567.751 (459.538) Construction Real estate, usaha persewaan dan
jasa perusahaan 75.670 (42.160) 221.366 (42.163)
Real estate, leasing and corporate services Transportasi, pergudangan dan komunikasi 69.924 (21.921) 728.428 (346.611) Transportation, warehousing and communication Perikanan 21.141 (2.567) 24.918 (2.567) Fishery
Jasa kemasyarakatan, sosial budaya,
hiburan, dan perorangan 1.688 (362) 15.589 (3.351)
Social services, social culture, entertainment,and individual
services
Lain-lain 88.013 (10.994) 86.985 (7.524) Others
Jumlah 4.401.582 (2.758.706) 9.611.603 (7.199.657) Total
e. Pada tanggal 30 September 2017, Bank secara individu maupun konsolidasi telah memenuhi ketentuan Batas Maksimum Pemberian Kredit (BMPK) baik untuk pihak berelasi maupun untuk pihak ketiga.
e. As of 30 September 2017, the Bank, individually and at consolidated level, has complied with Legal Lending Limit (LLL) requirements for both related parties and third parties.
Pada tanggal 31 Desember 2016, Bank secara individu maupun konsolidasi telah memenuhi ketentuan BMPK untuk pihak ketiga. Untuk pihak berelasi, Bank mengalami pelampauan BMPK yang disebabkan karena penurunan modal Bank sebagai dampak dari kenaikan signifikan cadangan kerugian penurunan nilai atas kredit yang diberikan pada akhir tahun 2016. Sehubungan dengan pelampauan BMPK tersebut, Bank berencana menempuh langkah-langkah penyelesaian yaitu (i) melakukan penambahan modal pada tahun 2017; dan (ii) menerima tambahan agunan tunai sebagai pengurang eksposur kepada pihak berelasi.
As of 31 December 2016, the Bank, individually and at consolidated level, has complied with LLL requirements for third parties. For related parties, the Bank has exceeded the LLL due to lower capital as a result of significant increase in the allowance for impairment losses for loans in the end of 2016. With regards to the excess in LLL, the Bank plans to resolve it through (i) capital injection in 2017; and (ii) requiring additional cash collaterals as deductions for related parties exposures.
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
97
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
f.i Perubahan cadangan kerugian penurunan nilai
adalah sebagai berikut:
f. The movement of the allowance for impairment losses was as follows: 30 September 2017/30 September 2017
Cadangan Kerugian Penurunan Nilai Kolektif/Collective
Impairment Losses
Cadangan Kerugian Penurunan Nilai Individual/Individual Impairment
Losses Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub- total Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub- total Jumlah/ Total Saldo, awal periode 520.836 140.224 661.060 6.150.125 4.778.607 10.928.732 11.589.792 Balance, beginning of period Penambahan (pemulihan) cadangan selama periode berjalan (38.715) (10.467) (49.182) 1.558.260 580.647 2.138.907 2.089.725 Addition (reversal) of allowance during the period Penghapusbu-kuan selama
periode berjalan - - - (1.601.152) (892.919) (2.494.071) (2.494.071) the period Write-off during
Penerimaan kembali kredit yang telah dihapusbu-kukan - - - 221.205 57.459 278.664 278.664 Recovery of loans previously written-off
Efek diskonto - - - (109.427) (51.595) (161.022) (161.022) discounting Effect of
Penjualan - - - (3.027.626) (595.020) (3.622.646) (3.622.646) Sales
Selisih kurs - 136 136 - (10.803) (10.803) (10.667) difference Exchange rate
Saldo, akhir
periode 482.121 129.893 612.014 3.191.385 3.866.376 7.057.761 7.669.775 Balance, end of period
30 September 2016/30 September 2016
Cadangan Kerugian Penurunan Nilai Kolektif/Collective
Impairment Losses
Cadangan Kerugian Penurunan Nilai Individual/Individual Impairment
Losses Rupiah/ Rupiah Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-
total Rupiah/ Rupiah
Valuta Asing/ Foreign Currencies Sub- jumlah/ Sub-
total Jumlah/ Total
Saldo, awal periode 498.819 155.536 654.355 1.782.602 1.182.498 2.965.100 3.619.455 Balance, beginning of period Penambahan cadangan selama periode berjalan 40.791 51.704 92.495 3.806.646 1.002.034 4.808.680 4.901.175 Addition of allowance during the period Penghapusbu-kuan selama
periode berjalan - - - (1.975.571) (835.453) (2.811.024) (2.811.024) the period Write-off during
Penerimaan kembali kredit yang telah dihapusbu-kukan - - - 130.479 9.030 139.509 139.509 Recovery of loans previously written-off
Efek diskonto - - - (154.942) (50.420) (205.362) (205.362) discounting Effect of
Selisih kurs - (12.443) (12.443) - (62.102) (62.102) (74.545) difference Exchange rate
Saldo, akhir
periode 539.610 194.797 734.407 3.589.214 1.245.587 4.834.801 5.569.208 Balance, end of period
Manajemen Bank menyatakan bahwa jumlah cadangan kerugian penurunan nilai yang dibentuk adalah cukup untuk menutupi kemungkinan kerugian yang timbul akibat tidak tertagihnya kredit yang diberikan.
Management has determined that the allowance for impairment losses was adequate to cover possible losses on uncollectible loans.
Financial statement captions and notes have been translated to English for convenience only.
PT BANK PERMATA Tbk DAN ENTITAS ANAK CATATAN ATAS LAPORAN KEUANGAN KONSOLIDASIAN INTERIM 30 September 2017, 31 Desember 2016* dan
Periode Sembilan Bulan Berakhir 30 September 2017 dan 2016 (Dinyatakan dalam jutaan Rupiah, kecuali dinyatakan secara khusus)
PT BANK PERMATA Tbk AND ITS SUBSIDIARY
NOTES TO THE CONSOLIDATED INTERIM FINANCIAL STATEMENTS
30 September 2017, 31 December 2016* and Nine-Months Periods Ended 30 September 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
98
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
g. Bank mengadakan perjanjian kerjasama pemberian fasilitas pembiayaan bersama dengan PT Federal International Finance (FIF), PT Astra Sedaya Finance (ASF), PT Swadharma Bhakti Sedaya Finance (SBSF), PT Astra Multi Finance (AMF) dan PT Staco Estika Sedaya Finance (SESF), kelimanya merupakan entitas dalam kelompok PT Astra International Tbk (pemegang saham - Catatan 28), untuk menyalurkan kredit kendaraan motor dan mobil. Berdasarkan perjanjian-perjanjian tersebut diatas, FIF, ASF,