BANK LAIN
11. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan)
11. DERIVATIVES RECEIVABLE AND PAYABLE (continued)
a. Berdasarkan jenis, mata uang dan pihak berelasi (lanjutan)
a. By type, currency and related party (continued)
Nilai notional (kontrak) (ekuivalen dengan Rp)/
Notional
amount Tagihan Liabilitas
(contract) derivatif/ derivatif/
(equivalent Derivatives Derivatives
to Rp) receivable payable
Dolar Amerika Serikat 1.147.142 2.532 5.450 United States Dollar
Mata uang asing lainnya 191.210 610 1.403 Other foreign currencies
Dolar Amerika Serikat 6.237.149 23.511 15.654 United States Dollar
Mata uang asing lainnya 419.432 1.673 482 Other foreign currencies
7.994.933
28.326 22.989
Dolar Amerika Serikat 2.448.021 - 38.786 United States Dollar
Dolar Amerika Serikat 2.158.897 77.964 - United States Dollar
Mata uang asing lainnya 150.000 4.586 - Other foreign currencies 2.308.897
82.550
-Mata uang asing lainnya 2.634.909 125.072 76.112 Other foreign currencies
15.386.760
235.948 137.887
Terkait dengan suku bunga Related to interest rate
(Diaudit/Audited )
Terkait dengan kontrak Related to exchange rate
31 Desember/December 31, 2012
nilai tukar contracts
Swap
Third parties Pihak ketiga
Forward Forward
Swap
Pihak berelasi (Catatan 43) Related parties (Note 43)
Swap Swap
nilai tukar dan suku bunga contracts and interest rate
Pihak ketiga Third parties
Swap Swap
Terkait dengan kontrak Related to exchange rate
Pihak ketiga Third parties
Jumlah Total
Swap Swap
Informasi mengenai jatuh tempo diungkapkan pada Catatan 53.
Information on maturities is disclosed in Note 53.
kecuali dinyatakan lain)
95 11. TAGIHAN DAN LIABILITAS DERIVATIF
(lanjutan)
11. DERIVATIVES RECEIVABLE AND PAYABLE (continued)
a. Berdasarkan jenis, mata uang dan pihak berelasi (lanjutan)
a. By type, currency and related party (continued)
Bank memiliki transaksi kontrak valuta berjangka pertukaran mata uang asing dan suku bunga dengan beberapa bank asing dan debitur untuk pengelolaan likuiditas dan menghadapi risiko perubahan suku bunga atas aset dan liabilitas Bank. Berdasarkan perjanjian ini, Bank wajib membayar pokok pinjaman beserta bunga dengan suku bunga mengambang atau tetap. Bunga dibayarkan dalam mata uang Rupiah dan USD setiap satu atau tiga bulan sampai dengan tanggal jatuh tempo. Per tanggal 30 September 2013 dan 31 Desember 2012, transaksi kontrak valuta berjangka pertukaran mata uang asing dan suku bunga tersebut akan jatuh tempo dari tanggal 3 Maret 2014 sampai dengan 12 Juli 2017 dan tanggal 23 September 2013 sampai dengan 12 Juli 2017.
The Bank has outstanding cross currency swap transaction with several foreign banks and debtors for liquidity management and to cover the interest rate fluctuation as part of asset and liabilities management of the Bank.
Based on the agreement, the Bank should pay principal and variable or fixed interest rate. The interest is paid in Rupiah and USD currencies on a monthly or quarterly basis until maturity date. As of September 30, 2013 and December 31, 2012, the cross currency swap transactions will mature from March 3, 2014 until July 12, 2017 and September 23, 2013 until July 12, 2017.
Bank memiliki transaksi kontrak pertukaran suku bunga dengan beberapa bank asing tertentu untuk pengelolaan risiko perubahan suku bunga atas aset dan liabilitas Bank.
Berdasarkan perjanjian ini, Bank wajib membayar bunga mengambang setiap tiga bulan hingga tanggal jatuh tempo. Per tanggal 30 September 2013 dan 31 Desember 2012, transaksi kontrak pertukaran suku bunga tersebut akan jatuh tempo dari tanggal yang berkisar 11 Juli 2014 hingga 21 Nopember 2017 dan 18 Februari 2013 hingga 21 Nopember 2017.
The Bank has outstanding interest rate swap transaction with several banks for liquidity management and to cover the interest rate fluctuation as part of asset and liabilities management of the Bank. Based on the agreement, the Bank should pay variable interest rate on quarterly basis until maturity date. As of September 30, 2013 and December 31, 2012, interest rate swap transactions will mature from July 11, 2014 until November 21, 2017 and February 18, 2013 until November 21, 2017.
b. Berdasarkan jatuh tempo dan kolektibilitas b. By maturity and collectibility
Per 30 September 2013 dan 31 Desember 2012 jangka waktu kontrak forward mata uang asing masing-masing adalah antara 6 - 369 hari dan 6 - 361 hari, jangka waktu kontrak swap mata uang asing masing-masing adalah antara 1 - 370 hari dan 5 - 369 hari.
As of September 30, 2013 and December 31, 2012, the tenure of the forward foreign currency contracts were between 6 - 369 days and 6 - 361 days, foreign currency swaps were between 1 - 370 days and 5 - 369 days.
Kolektibilitas tagihan derivatif pada tanggal 30 September 2013 dan 31 Desember 2012 adalah lancar.
The collectibility of derivatives receivable as of September 30, 2013 and December 31, 2012 was current.
kecuali dinyatakan lain)
11. TAGIHAN DAN LIABILITAS DERIVATIF (lanjutan)
11. DERIVATIVES RECEIVABLE AND PAYABLE (continued)
c. Suku bunga kontraktual c. Contractual interest rate
Suku bunga kontraktual untuk periode/tahun yang berakhir pada tanggal 30 September 2013 dan 31 Desember 2012 untuk transaksi swap suku bunga dan swap mata uang dan suku bunga adalah sebagai berikut:
Contractual effective interest rate per annum for the period/year ended September 30, 2013 and December 31, 2012 for interest rate swap and cross currency rate swap deals were as follows:
30 September/ 31 Desember/
September 30, December 31,
2013 2012
(Tidak Diaudit/ (Diaudit/
Unaudited) Audited)
Swap Suku Bunga Interest rate Swap
Rupiah Rupiah
Yang akan dibayar To be paid
Suku bunga mengambang 1MTD - 3M SBI 1MTD - 3M SBI Variable interest rate
Yang akan diterima To be received
Suku bunga tetap 7,60% 7,60% - 8,10% Fixed interest rate
Mata uang asing Foreign currencies
Yang akan dibayar To be paid
1M Libor+575 - 1M Libor+575 -
Suku bunga mengambang 3M Libor+600 3M Libor+600 Variable interest rate
Suku bunga tetap 0,61% - 7,79% 0,61% - 7,79% Fixed interest rate
Yang akan diterima To be received
1M Libor+575 - 1M Libor+575 -
Suku bunga mengambang 3M Libor+600 3M Libor+600 Variable interest rate
Suku bunga tetap 3,25% - 8,60% 7,10% - 8,60% Fixed interest rate
Swap Suku Bunga dan Mata Uang Cross currency rate Swap
Rupiah Rupiah
Yang akan dibayar To be paid
Suku bunga tetap 6,81% - 11,33% 6,67% - 11,33% Fixed interest rate
Yang akan diterima To be received
Suku bunga tetap 5,40% - 12,10% 5,70% - 12,10% Fixed interest rate
Mata uang asing Foreign currencies
Yang akan dibayar To be paid
1M Libor+465- 1M Libor+465 -
Suku bunga mengambang 6M Libor+0 6M Libor+180 Variable interest rate
Yang akan diterima To be received
1M Libor+465 - 1M Libor+465 -
Suku bunga mengambang 3M Libor+180 3M Libor+180 Variable interest rate
Suku bunga tetap 4,75% - 7,00% 4,75% - 7,00% Fixed interest rate
Pertukaran tingkat suku bunga dan mata uang dilakukan setiap bulanan, kuartalan, dan semesteran.
The interest rate and currency exchanges are exercised on a monthly, quarterly, and semi annually.
Pada tanggal 30 September 2013 dan 31 Desember 2012, jangka waktu kontrak swap suku bunga berkisar antara 3 - 5 tahun dan 2 - 5 tahun. Pada tanggal 30 September 2013 dan 31 Desember 2012, sisa jangka waktu kontrak dari swap suku bunga dan swap suku bunga dan mata uang berkisar antara 2 sampai 5 tahun dan 2 sampai 5 tahun.
As of September 30, 2013 and December 31, 2012, the contract period of interest rate swaps ranged between 3 - 5 years and 2 - 5 years. As at September 30, 2013 and December 31, 2012, the remaining contract period of cross currency rate swap ranged between 2 until 5 years and 2 until 5 years.
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97
12. KREDIT YANG DIBERIKAN 12. LOANS
a. Berdasarkan jenis, mata uang dan kolektibilitas
a. By type, currency and collectibility
Dalam perhatian
khusus/ Kurang
Lancar/ Special lancar/ Diragukan/ Macet/ Jumlah/
Current mention Substandard Doubtful Loss Total
Rupiah Rupiah
Korporasi 11.387.058 67.753 130.265 - 210.649 11.795.725 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
UKM 22.614.335 205.056 20.877 65.275 164.705 23.070.248 SME
Komersial 3.270.935 75.087 - - 30.074 3.376.096 Commercial Lain-lain 1.821.118 - - - - 1.821.118 Others
Konsumen Consumer
Kredit Pemilikan Rumah (KPR) 9.765.124 309.434 9.537 10.839 24.555 10.119.489 Mortgage (KPR) Kredit Kendaraan
Bermotor 8.624.721 1.388.996 22.388 34.147 32.420 10.102.672 Auto loans
Home equity loans (Maxima) 1.876.662 51.814 1.548 1.216 2.026 1.933.266 Home equity loans (Maxima) Kartu kredit 1.679.340 105.233 15.896 28.367 - 1.828.836 Credit card Pinjaman karyawan 525.959 2.132 - - - 528.091 Employee loans Pinjaman tanpa agunan (PITA) 433.230 27.797 1.641 1.626 240 464.534 Unsecured loans (PITA) Pinjaman pendidikan - - - - 19 19 Student loans Lain-lain 56.704 8.782 - 2 805 66.293 Others
Syariah 1.963.847 439.575 45.802 32.255 11.550 2.493.029 Sharia
64.019.033
2.681.659 247.954 173.727 477.043 67.599.416
Mata uang asing Foreign currencies
Korporasi 12.074.157 997.647 416.019 79.931 50.743 13.618.497 Corporate
Komersial/Usaha Commercial/Small and
Kecil Menengah (UKM) Medium Enterprises (SME)
UKM 2.313.882 6.400 66 4.199 24.335 2.348.882 SME
Komersial 1.246.766 22.197 - - - 1.268.963 Commercial
Konsumen Consumer
Lain-lain 18 - - - - 18 Others Syariah 465.221 - - - - 465.221 Sharia
16.100.044
1.026.244 416.085 84.130 75.078 17.701.581
Jumlah 80.119.077 3.707.903 664.039 257.857 552.121 85.300.997 Total
Dikurangi: Penyisihan Less: Allowance for
kerugian penurunan nilai (1.005.027) impairment losses
84.295.970 8010000
(Tidak Diaudit/Unaudited ) 30 September/September 30, 2 013
kecuali dinyatakan lain)