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 Juni 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 June 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 Juni 2017/30 June 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 2.612 (11) 2.601 27.789 (75) 27.714 - Third parties
- Pihak berelasi 1 - 1 - - - - Related parties
Nasabah Customers
- Pihak ketiga 492.025 (889) 491.136 635.197 (2.745) 632.452 - Third parties
494.638 (900) 493.738 662.986 (2.820) 660.166
Valuta Asing Foreign Currencies
Bank-bank lain Other banks
- Pihak ketiga 35.508 (213) 35.295 29.787 (146) 29.641 - Third parties
Nasabah Customers
- Pihak ketiga 2.743.311 (23.425) 2.719.886 3.289.950 (86.314) 3.203.636 - Third parties
2.778.819 (23.638) 2.755.181 3.319.737 (86.460) 3.233.277
Jumlah 3.273.457 (24.538) 3.248.919 3.982.723 (89.280) 3.893.443 Total
Rincian utang akseptasi adalah sebagai berikut: The details of acceptance payables were as follows: 30 Juni 2017/
30 June 2017
31 Desember 2016/ 31 December 2016
Rupiah Rupiah
Bank-bank lain Other banks
- Pihak ketiga 484.830 631.389 - Third parties
- Pihak berelasi 252 1.076 - Related parties
Nasabah Customers
- Pihak ketiga 10.295 31.663 - Third parties
495.377 664.128
Valuta Asing Foreign Currencies
Bank-bank lain Other banks
- Pihak ketiga 2.670.738 3.205.491 - Third parties
- Pihak berelasi 82.234 90.743 - Related parties
Nasabah Customers
- Pihak ketiga 35.507 29.788 - Third parties
2.788.479 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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)
Perubahan cadangan kerugian penurunan nilai adalah sebagai berikut:
The movement of allowance for impairment losses were as follows:
30 Juni 2017/30 June 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 (1.920) (7.460) (9.380) - (54.481) (54.481) (63.861)
Addition (reversal) of allowance during the period
Selisih kurs - (89) (89) - (792) (792) (881) Exchange rate difference
Saldo, akhir periode 900 5.301 6.201 - 18.337 18.337 24.538 Balance, end of period
30 Juni 2016/30 June 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 periode
berjalan 103 3.733 3.836 - (5.249) (5.249) (1.413)
Addition (reversal) of allowance during the period
Selisih kurs - (461) (461) - (19) (19) (480) Exchange rate difference
Saldo, akhir periode 815 15.814 16.629 - - - 16.629 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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 Juni 2017/ 30 June 2017
31 Desember 2016/ 31 December 2016
Rupiah Rupiah
Modal kerja 33.386.774 35.397.405 Working capital
Konsumsi 18.609.789 19.254.772 Consumer
Investasi 11.150.323 14.436.919 Investment
Syariah 11.361.268 10.531.278 Sharia
74.508.154 79.620.374
Valuta Asing Foreign Currencies
Modal kerja 6.906.084 8.349.304 Working capital
Investasi 4.841.152 6.418.303 Investment
Syariah 230.916 394.683 Sharia
11.978.152 15.162.290
Jumlah 86.486.306 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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 Juni 2017/30 June 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 27.441.898 (296.440) 27.145.458
Personal loans for housing, motor vehicles, and others
Industri pengolahan 22.685.738 (1.761.400) 20.924.338 Manufacturing
Perdagangan besar dan kecil 21.450.173 (1.638.373) 19.811.800 Wholesale and retail trading
Transportasi, pergudangan dan
komunikasi 4.535.481 (922.645) 3.612.836
Transportation, warehousing and communication Real estate, usaha persewaan dan
jasa perusahaan 2.759.074 (66.512) 2.692.562
Real estate, leasing and corporate services
Pertanian, perburuan dan kehutanan 3.123.875 (513.799) 2.610.076 Agriculture, hunting and forestry
Perantara keuangan 3.634.046 (5.954) 3.628.092 Financial intermediaries
Pertambangan dan penggalian 2.836.207 (1.806.641) 1.029.566 Mining and excavation
Konstruksi 3.002.022 (300.115) 2.701.907 Construction
Listrik, gas dan air 501.704 (6.065) 495.639 Electricity, gas and water
Penyediaan akomodasi dan
penyediaan makanan 670.018 (3.136) 666.882
Accommodation and food providers
Jasa kemasyarakatan, sosial budaya,
hiburan dan perorangan 414.694 (2.628) 412.066
Social services, social culture, entertainment and individual services
Perikanan 65.290 (2.782) 62.508 Fishery
Jasa pendidikan 80.828 (180) 80.648 Education services
Jasa kesehatan dan kegiatan sosial 55.204 (93) 55.111 Health and social services
Lain-lain 568.218 (11.401) 556.817 Others Jumlah 93.824.470 (7.338.164) 86.486.306 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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 Juni 2017/30 June 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 31.773.689 5.945.052 37.718.741 33.212.137 7.084.204 40.296.341 Less than 1 year
1 - 2 tahun 7.247.007 580.531 7.827.538 8.282.111 1.183.939 9.466.050 1 - 2 years
>2 - 5 tahun 17.399.087 3.516.659 20.915.746 19.624.685 4.472.157 24.096.842 >2 - 5 years
Lebih dari 5 tahun 18.088.371 1.935.910 20.024.281 18.501.441 2.421.990 20.923.431 More than 5 years
Jumlah 74.508.154 11.978.152 86.486.306 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 Juni 2017 dan 31 Desember 2016, jumlah kredit yang diberikan yang dijamin dengan giro, tabungan dan deposito berjangka masing-masing sebesar Rp5.527.572 dan Rp5.618.474.
As of 30 June 2017 and 31 December 2016, total loans which were secured by demand deposits, savings and time deposits amounted to Rp5,527,572 and Rp5,618,474, respectively.
b...Pada periode enam bulan yang berakhir tanggal 30 Juni 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 six-month period ended 30 June 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 tercatat kredit yang diberikan yang telah dinegosiasi ulang pada tanggal 30 Juni 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 carrying amount of loans whose terms have been renegotiated as of 30 June 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 2017 and 2016 (Expressed in millions of Rupiah,
unless otherwise stated)
* Diaudit Audited *
95
12. KREDIT YANG DIBERIKAN (lanjutan) 12. LOANS (continued)
30 Juni 2017/30 June 2017 Lancar/ Current Dalam perhatian khusus/ Special mention Kurang lancar/ Substandard Diragukan/ Doubtful Macet/ Loss Jumlah/ Total Rupiah Rupiah
Modal kerja 129.732 793.706 52.882 10.786 71.420 1.058.526 Working capital
Investasi 2.095.133 1.968.226 304.798 17.260 437.763 4.823.180 Investment
Syariah 3.534 42.682 13.075 - 5.123 64.414 Sharia
Konsumsi 810 12.547 263 57 4.181 17.858 Consumer
2.229.209 2.817.161 371.018 28.103 518.487 5.963.978
Valuta Asing Foreign Currencies
Modal kerja 359.436 1.379.098 40.067 5.235 - 1.783.836 Working capital
Investasi 704.469 2.474.512 165.450 - 817.769 4.162.200 Investment Syariah 13.281 11.765 30.794 - 84.392 140.232 Sharia 1.077.186 3.865.375 236.311 5.235 902.161 6.086.268 Jumlah 3.306.395 6.682.536 607.329 33.338 1.420.648 12.050.246 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 Juni 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 June 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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 Juni 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 June 2017 and 31 December 2016,
non-performing loans (“NPL”) ratios of the Bank based on prevailing Bank Indonesia regulation were as follows: 30 Juni 2017/ 30 June 2017 31 Desember 2016/ 31 December 2016 NPL bruto 4,72% 8,83% Gross NPL NPL neto 1,79% 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 Juni 2017/ 30 June 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 1.330.109 (653.738) 2.083.167 (1.520.631) Wholesale and retail trading
Industri pengolahan 451.090 (156.517) 3.488.060 (2.999.740) Manufacturing
Pertambangan dan penggalian 848.093 (795.299) 1.114.256 (922.747) Mining and excavation
Pertanian, perburuan dan kehutanan 536.525 (435.724) 886.782 (744.394) Agriculture, hunting and forestry
Transportasi, pergudangan
dan komunikasi 262.795 (203.591) 728.428 (346.611)
Transportation, warehousing and communication
Kredit individual untuk pemilikan rumah, pemilikan kendaraan
bermotor, dan lain-lain 438.438 (173.626) 394.301 (150.391)
Personal loans for housing, motor vehicles, and others Real estate, usaha persewaan dan
jasa perusahaan 107.257 (53.059) 221.366 (42.163)
Real estate, leasing and corporate services
Konstruksi 364.571 (284.743) 567.751 (459.538) Construction
Perikanan 22.030 (2.683) 24.918 (2.567) Fishery
Jasa kemasyarakatan, sosial budaya,
hiburan, dan perorangan 2.308 (1.029) 15.589 (3.351)
Social services, social culture, entertainment,and individual
services
Lain-lain 83.186 (7.110) 86.985 (7.524) Others
Jumlah 4.446.402 (2.767.119) 9.611.603 (7.199.657) Total
e. Pada tanggal 30 Juni 2017, Bank secara individu maupun konsolidasi telah memenuhi ketentuan Batas Maksimum Pemberian Kredit (BMPK) untuk pihak ketiga.
e. As of 30 June 2017, the Bank, individually and at consolidated level, has complied with Legal Lending Limit (LLL) requirements for third parties.
Pada tanggal 31 Desember 2016, Bank secara individu maupun konsolidasi telah memenuhi ketentuan BMPK, baik untuk pihak berelasi maupun 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 both related parties and 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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 Juni 2017/30 June 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 (52.288) 17.902 (34.386) 1.222.743 176.951 1.399.694 1.365.308 Addition (reversal) of allowance during the period Penghapusbu-kuan selama
periode berjalan - - - (1.346.980) (681.310) (2.028.290) (2.028.290) the period Write-off during
Penerimaan kembali kredit yang telah dihapusbu-kukan - - - 147.125 38.707 185.832 185.832 Recovery of loans previously written-off
Efek diskonto - - - (68.089) (31.658) (99.747) (99.747) discounting Effect of
Penjualan - - - (3.027.626) (595.020) (3.622.646) (3.622.646) Sales
Selisih kurs - (1.350) (1.350) - (50.735) (50.735) (52.085) difference Exchange rate
Saldo, akhir
periode 468.548 156.776 625.324 3.077.298 3.635.542 6.712.840 7.338.164 Balance, end of period
30 Juni 2016/30 June 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 (pemulihan) cadangan selama periode berjalan 33.362 (32.478) 884 2.551.680 765.009 3.316.689 3.317.573 Addition (reversal) of allowance during the period Penghapusbu-kuan selama periode berjalan - - - (456.246) (696.017) (1.152.263) (1.152.263) Write-off during the period Penerimaan kembali kredit yang telah dihapusbu-kukan - - - 102.060 9.030 111.090 111.090 Recovery of loans previously written-off
Efek diskonto - - - (94.209) (29.326) (123.535) (123.535) discounting Effect of
Selisih kurs - (9.765) (9.765) - (46.206) (46.206) (55.971) difference Exchange rate
Saldo, akhir
periode 532.181 113.293 645.474 3.885.887 1.184.988 5.070.875 5.716.349 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 Juni 2017, 31 Desember 2016* dan Periode Enam Bulan Berakhir
30 Juni 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 June 2017, 31 December 2016* and
Six-Months Periods Ended 30 June 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, SBSF, AMF dan SESF akan bertindak sebagai manajer fasilitas dan manajer jaminan. Bank, FIF, ASF, SBSF, AMF dan SESF menanggung risiko kerugian atas piutang yang tidak tertagih sebesar porsi masing-masing dalam pembiayaan bersama tersebut. Jumlah saldo porsi Bank dalam transaksi pembiayaan bersama pada tanggal 30 Juni 2017 dan 31 Desember 2016, masing-masing sebesar Rp9.986.069 dan Rp10.630.694.
g. The Bank entered into joint financing agreements